*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{color:#2c2c2c;-webkit-font-smoothing:antialiased;background:#fff;font-family:DM Sans,sans-serif;font-weight:400;line-height:1.6}:root{--charcoal:#2c2c2c;--gold:#c9913a;--gold-dark:#b07d2e;--grey:#8a8a8a;--white:#fff;--light-grey:#f4f4f4;--error:#c0392b;--amber:#f39c12;--gold-bg:#fef9ee;--amber-bg:#fff8e1;--gold-glow:#c9913a26}.header{background:var(--white);z-index:100;border-bottom:1px solid #eaeaea;justify-content:center;align-items:center;height:62px;padding:0 24px;display:flex;position:relative}.logo-wrap{align-items:center;gap:16px;display:flex}.logo-icon{flex-shrink:0;width:auto;height:38px;display:block}.logo-text{flex-direction:column;justify-content:center;display:flex}.logo-wordmark{letter-spacing:.01em;font-family:Montserrat,sans-serif;font-size:19px;font-weight:800;line-height:1.05}.logo-wordmark .account{color:var(--charcoal)}.logo-wordmark .ability{color:var(--gold)}.logo-subtitle{color:var(--grey);letter-spacing:.16em;text-transform:uppercase;margin-top:3px;font-family:Montserrat,sans-serif;font-size:10px;font-weight:400}.header-title{display:none}.progress-bar{background:var(--white);border-bottom:1px solid #eee;padding:28px 24px 20px}.progress-inner{justify-content:space-between;align-items:flex-start;max-width:780px;margin:0 auto;display:flex;position:relative}.progress-line{z-index:0;background:#dcdcdc;height:3px;position:absolute;top:18px;left:40px;right:40px}.progress-line-fill{background:var(--gold);height:100%;transition:width .4s}.step-item{z-index:1;cursor:default;flex-direction:column;flex:1;align-items:center;display:flex}.step-circle{background:var(--white);width:36px;height:36px;color:var(--grey);border:3px solid #dcdcdc;border-radius:50%;justify-content:center;align-items:center;font-family:Montserrat,sans-serif;font-size:14px;font-weight:700;transition:all .3s;display:flex}.step-circle.active,.step-circle.complete{background:var(--gold);border-color:var(--gold);color:var(--white)}.step-label{color:var(--grey);text-align:center;max-width:110px;margin-top:6px;font-family:DM Sans,sans-serif;font-size:11px;line-height:1.3}.form-body{max-width:780px;margin:0 auto;padding:40px 24px 60px}.card{background:var(--white);border-top:4px solid var(--charcoal);border-radius:10px;margin-bottom:24px;padding:32px;box-shadow:0 2px 16px #00000012}.card h2{color:var(--charcoal);margin-bottom:6px;font-family:Montserrat,sans-serif;font-size:22px;font-weight:600}.card h3{color:var(--charcoal);margin-top:20px;margin-bottom:4px;font-family:Montserrat,sans-serif;font-size:17px;font-weight:600}.card h3:first-child{margin-top:0}.info-box{border-radius:8px;margin:16px 0;padding:16px 20px;font-size:14px;line-height:1.6}.info-box.gold{background:var(--gold-bg);border-left:4px solid var(--gold)}.info-box.grey{background:var(--light-grey);border-left:4px solid #ccc}.info-box.amber{background:var(--amber-bg);border-left:4px solid var(--amber)}.info-box.green{background:#f0faf0;border-left:4px solid #27ae60}.info-box strong{font-weight:600}.info-box a{color:var(--gold);text-decoration:underline}.field-group{margin-bottom:20px}.field-row{gap:16px;margin-bottom:0;display:flex}.field-row .field-group{flex:1}.field-row .field-group.w65{flex:0 0 65%}.field-row .field-group.w30{flex:0 0 30%}label,.field-label{color:var(--charcoal);margin-bottom:6px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:500;display:block}label .req{color:var(--gold);margin-left:2px;font-weight:700}.helper{color:var(--grey);margin-top:4px;font-size:13px;font-style:italic}input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],select,textarea{width:100%;color:var(--charcoal);background:var(--white);appearance:none;border:1.5px solid #d5d5d5;border-radius:8px;outline:none;padding:12px 14px;font-family:DM Sans,sans-serif;font-size:15px;transition:border .2s,box-shadow .2s}input:focus,select:focus,textarea:focus{border:2px solid var(--gold);box-shadow:0 0 0 3px var(--gold-glow)}textarea{resize:vertical;min-height:80px}select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238A8A8A' stroke-width='2' fill='none'/%3E%3C/svg%3E");background-position:right 14px center;background-repeat:no-repeat;padding-right:36px}.currency-wrap{position:relative}.currency-wrap:before{content:"$";color:var(--grey);font-family:DM Sans,sans-serif;font-size:15px;position:absolute;top:50%;left:14px;transform:translateY(-50%)}.currency-wrap input{padding-left:28px}.radio-group,.checkbox-group{flex-wrap:wrap;gap:24px;margin-top:6px;display:flex}.radio-item,.checkbox-item{cursor:pointer;align-items:center;gap:8px;font-size:14px;display:flex}.radio-item input[type=radio],.checkbox-item input[type=checkbox]{display:none}.radio-custom{border:2px solid var(--charcoal);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:20px;height:20px;transition:all .2s;display:flex}.radio-item input:checked+.radio-custom{border-color:var(--gold);background:var(--gold)}.radio-item input:checked+.radio-custom:after{content:"";background:var(--white);border-radius:50%;width:8px;height:8px}.check-custom{border:2px solid var(--charcoal);border-radius:4px;flex-shrink:0;justify-content:center;align-items:center;width:20px;height:20px;transition:all .2s;display:flex}.checkbox-item input:checked+.check-custom{border-color:var(--gold);background:var(--gold)}.checkbox-item input:checked+.check-custom:after{content:"✓";color:var(--white);font-size:13px;font-weight:700}.file-upload-btn{border:2px dashed var(--gold);background:var(--gold-bg);color:var(--gold);cursor:pointer;border-radius:8px;align-items:center;gap:8px;padding:10px 20px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:500;transition:background .2s;display:inline-flex}.file-upload-btn:hover{background:#f5ecd8}.file-upload-btn input[type=file]{display:none}.file-name{color:var(--grey);margin-top:4px;font-size:13px}.conditional{opacity:0;max-height:0;margin-top:0;transition:max-height .4s,opacity .3s,margin .3s;overflow:hidden}.conditional.show{opacity:1;max-height:2000px;margin-top:16px}.divider{border:none;border-top:1px solid #c9913a4d;margin:24px 0}.btn-gold{background:var(--gold);color:var(--white);cursor:pointer;border:none;border-radius:8px;padding:14px 32px;font-family:Montserrat,sans-serif;font-size:15px;font-weight:600;transition:background .2s}.btn-gold:hover{background:var(--gold-dark)}.btn-outline{color:var(--gold);border:2px solid var(--gold);cursor:pointer;background:0 0;border-radius:8px;padding:14px 32px;font-family:Montserrat,sans-serif;font-size:15px;font-weight:600;transition:all .2s}.btn-outline:hover{background:var(--gold-bg)}.btn-back{color:var(--grey);cursor:pointer;background:0 0;border:none;align-items:center;gap:4px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:500;display:flex}.btn-back:hover{color:var(--charcoal)}.btn-submit{background:var(--gold);width:100%;color:var(--white);cursor:pointer;border:none;border-radius:8px;justify-content:center;align-items:center;gap:8px;height:56px;padding:0;font-family:Montserrat,sans-serif;font-size:18px;font-weight:700;transition:background .2s;display:flex}.btn-submit:hover{background:var(--gold-dark)}.btn-submit.loading{pointer-events:none;opacity:.8}.btn-add{color:var(--gold);border:2px solid var(--gold);cursor:pointer;background:0 0;border-radius:8px;align-items:center;gap:6px;margin-top:8px;padding:10px 20px;font-family:DM Sans,sans-serif;font-size:14px;font-weight:500;transition:all .2s;display:inline-flex}.btn-add:hover{background:var(--gold-bg)}.step-nav{border-top:1px solid #eee;justify-content:space-between;align-items:center;margin-top:32px;padding-top:20px;display:flex}.step-nav .page-num{color:var(--grey);font-family:DM Sans,sans-serif;font-size:14px;font-weight:500}.step-nav .nav-right{gap:12px;display:flex}.field-error input,.field-error select,.field-error textarea{border-color:var(--error)!important}.error-msg{color:var(--error);margin-top:4px;font-size:12px;display:none}.field-error .error-msg{display:block}.submit-error{color:var(--error);margin-top:12px;font-size:14px;display:none}.confirmation{text-align:center;max-width:600px;margin:60px auto;padding:40px;display:none}.confirmation .card{border-top:4px solid var(--gold);padding:48px 40px}.confirmation h2{color:var(--charcoal);margin-bottom:16px;font-family:Montserrat,sans-serif;font-size:26px;font-weight:700}.confirmation p{color:#555;margin-bottom:12px;font-size:15px;line-height:1.7}.confirmation strong{color:var(--charcoal)}.confirmation .sig{color:var(--grey);margin-top:24px;font-style:italic}.step-section{display:none}.step-section.active{display:block}.intro-text{color:var(--grey);margin-bottom:20px;font-size:15px;font-style:italic}.eligibility-label{color:#27ae60;text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px;font-family:Montserrat,sans-serif;font-size:12px;font-weight:700}.footer{background:var(--charcoal);text-align:center;padding:24px}.footer p{color:var(--grey);font-family:DM Sans,sans-serif;font-size:13px}.spinner{border:3px solid #ffffff4d;border-top-color:var(--white);border-radius:50%;width:20px;height:20px;animation:.7s linear infinite spin;display:none}.btn-submit.loading .spinner{display:block}.btn-submit.loading .btn-text{display:none}.btn-submit.loading .btn-loading{align-items:center;gap:8px;display:flex}.btn-loading{display:none}@keyframes spin{to{transform:rotate(360deg)}}.dependent-block{background:var(--light-grey);border-radius:8px;margin-bottom:16px;padding:20px;position:relative}.dependent-block h4{margin-bottom:12px;font-family:Montserrat,sans-serif;font-size:15px;font-weight:600}.remove-dep{color:var(--error);cursor:pointer;background:0 0;border:none;font-size:20px;font-weight:700;position:absolute;top:12px;right:16px}@media (width<=768px){.header{height:54px;padding:0 14px}.logo-wrap{gap:10px}.logo-icon{height:32px}.logo-wordmark{font-size:16px}.logo-subtitle{letter-spacing:.12em;font-size:8.5px}.progress-inner{flex-wrap:nowrap;gap:0;overflow-x:auto}.step-label{max-width:70px;font-size:9px}.step-circle{width:30px;height:30px;font-size:12px}.form-body{padding:20px 12px 40px}.card{padding:20px 16px}.field-row{flex-direction:column;gap:0}.field-row .field-group.w65,.field-row .field-group.w30{flex:1}.step-nav{flex-wrap:wrap;gap:12px}.btn-gold,.btn-outline{padding:12px 20px;font-size:14px}}@media print{.header,.footer,.progress-bar,.step-nav,.btn-gold,.btn-outline,.btn-back,.btn-submit,.btn-add,.file-upload-btn{display:none!important}.step-section{display:block!important}.conditional{opacity:1!important;max-height:none!important;overflow:visible!important}.card{box-shadow:none;page-break-inside:avoid;border:1px solid #ddd}body{font-size:12px}}