/* =========================================================
   RAHMATPAY — APPLICATION PAGE
   Premium responsive styling
   ========================================================= */

.apply-page {
    min-height: 100vh;
    background:
        radial-gradient(ellipse at 12% 8%, rgba(58, 123, 255, 0.07), transparent 34%),
        linear-gradient(180deg, #F8FAFF 0%, #F3F6FC 100%);
    color: #18243A;
}

.apply-page *,
.apply-page *::before,
.apply-page *::after {
    box-sizing: border-box;
}

.apply-page [hidden] {
    display: none !important;
}

.apply-page .skip-link {
    position: absolute;
    top: -100px;
    left: 16px;
    z-index: 1000;
    padding: 12px 18px;
    border-radius: 10px;
    background: #0F2B5B;
    color: #FFFFFF;
}

.apply-page .skip-link:focus {
    top: 12px;
}

/* Header */

.apply-header {
    position: relative;
    z-index: 5;
    width: 100%;
    border-bottom: 1px solid rgba(228, 234, 244, 0.9);
    background: rgba(255, 255, 255, 0.88);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
}

.apply-header-inner {
    width: min(1180px, calc(100% - 48px));
    min-height: 88px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
}

.apply-brand {
    display: inline-flex;
    align-items: center;
    min-width: 0;
}

.apply-brand img {
    display: block;
    width: min(220px, 48vw);
    max-height: 62px;
    object-fit: contain;
    object-position: left center;
}

.apply-back-link {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    color: #52617A;
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: color 180ms ease;
}

.apply-back-link:hover {
    color: #0F2B5B;
}

.apply-back-link span {
    font-size: 19px;
}

/* Main layout */

.apply-main {
    width: min(1180px, calc(100% - 48px));
    margin: 0 auto;
    padding: 62px 0 34px;
}

.apply-intro {
    max-width: 720px;
    margin: 0 auto 38px;
    text-align: center;
}

.apply-eyebrow,
.apply-progress-eyebrow {
    display: inline-block;
    color: #A47B42;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 2.2px;
    text-transform: uppercase;
}

.apply-intro h1 {
    margin: 14px 0 13px;
    color: #0F2B5B;
    font-size: clamp(32px, 4.5vw, 48px);
    font-weight: 800;
    letter-spacing: -1.8px;
    line-height: 1.12;
}

.apply-intro > p {
    max-width: 610px;
    margin: 0 auto;
    color: #66738A;
    font-size: 15px;
    line-height: 1.8;
}

.apply-trust-note {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-top: 20px;
    padding: 9px 15px;
    border: 1px solid rgba(212, 175, 124, 0.28);
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.72);
    color: #66738A;
    font-size: 11px;
    font-weight: 600;
}

.apply-trust-note span {
    color: #C49A5A;
    font-size: 15px;
}

/* Workspace */

.apply-workspace {
    display: grid;
    grid-template-columns: 310px minmax(0, 1fr);
    overflow: hidden;
    border: 1px solid #E4EAF4;
    border-radius: 22px;
    background: #FFFFFF;
    box-shadow:
        0 24px 70px rgba(15, 43, 91, 0.075),
        0 3px 12px rgba(15, 43, 91, 0.025);
}

/* Progress sidebar */

.apply-progress-panel {
    position: relative;
    display: flex;
    flex-direction: column;
    padding: 34px 27px;
    background:
        radial-gradient(circle at 10% 0%, rgba(255, 255, 255, 0.10), transparent 42%),
        linear-gradient(155deg, #153A72 0%, #0F2B5B 56%, #0A2047 100%);
    color: #FFFFFF;
}

.apply-progress-heading {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 12px;
}

.apply-progress-eyebrow {
    color: #E1C18D;
    font-size: 9px;
    letter-spacing: 1.8px;
}

.apply-progress-heading h2 {
    margin: 8px 0 0;
    color: #FFFFFF;
    font-size: 20px;
    font-weight: 700;
    letter-spacing: -0.4px;
}

#step-counter {
    flex-shrink: 0;
    margin-top: 24px;
    color: #E1C18D;
    font-size: 11px;
    font-weight: 700;
    white-space: nowrap;
}

.apply-progress-track {
    height: 5px;
    overflow: hidden;
    margin-top: 26px;
    border-radius: 20px;
    background: rgba(255, 255, 255, 0.17);
}

#progress-fill {
    display: block;
    width: 25%;
    height: 100%;
    border-radius: inherit;
    background: linear-gradient(90deg, #D4AF7C, #F2D9AD);
    transition: width 300ms ease;
}

.apply-step-list {
    display: flex;
    flex-direction: column;
    gap: 25px;
    margin: 35px 0 0;
    padding: 0;
    list-style: none;
}

.apply-step-indicator {
    position: relative;
    display: flex;
    align-items: center;
    gap: 14px;
    min-width: 0;
    opacity: 0.58;
    transition: opacity 200ms ease;
}

.apply-step-indicator:not(:last-child)::after {
    position: absolute;
    top: 43px;
    left: 17px;
    width: 1px;
    height: 16px;
    background: rgba(255, 255, 255, 0.2);
    content: "";
}

.apply-step-indicator.is-active,
.apply-step-indicator.is-complete {
    opacity: 1;
}

.apply-step-number {
    display: grid;
    flex: 0 0 36px;
    width: 36px;
    height: 36px;
    place-items: center;
    border: 1px solid rgba(255, 255, 255, 0.28);
    border-radius: 50%;
    color: #FFFFFF;
    font-size: 10px;
    font-weight: 800;
    transition: all 200ms ease;
}

.apply-step-indicator.is-active .apply-step-number,
.apply-step-indicator.is-complete .apply-step-number {
    border-color: #D4AF7C;
    background: #D4AF7C;
    color: #142B4E;
}

.apply-step-indicator strong,
.apply-step-indicator small {
    display: block;
}

.apply-step-indicator strong {
    color: #FFFFFF;
    font-size: 12px;
    font-weight: 700;
    line-height: 1.45;
}

.apply-step-indicator small {
    margin-top: 4px;
    color: rgba(255, 255, 255, 0.63);
    font-size: 10px;
    line-height: 1.4;
}

.apply-sidebar-note {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    margin-top: auto;
    padding: 16px 14px;
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.065);
}

.apply-sidebar-note > span {
    color: #E1C18D;
    font-size: 19px;
}

.apply-sidebar-note p {
    margin: 0;
    color: rgba(255, 255, 255, 0.76);
    font-size: 10px;
    line-height: 1.7;
}

/* Form panel */

.apply-form-panel {
    min-width: 0;
    padding: 38px 42px 30px;
}

.apply-form-step {
    min-width: 0;
}

.apply-form-heading {
    margin-bottom: 28px;
}

.apply-section-number {
    display: inline-block;
    color: #B38A50;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.8px;
}

.apply-form-heading h2 {
    margin: 9px 0 8px;
    color: #0F2B5B;
    font-size: 25px;
    font-weight: 800;
    letter-spacing: -0.7px;
    line-height: 1.25;
}

.apply-form-heading p {
    margin: 0;
    color: #7A879B;
    font-size: 12px;
    line-height: 1.7;
}

/* Fields */

.apply-field-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 19px 17px;
}

.apply-field-full {
    grid-column: 1 / -1;
}

.apply-page .form-group {
    min-width: 0;
    margin: 0;
}

.apply-page .form-label {
    display: block;
    margin-bottom: 8px;
    color: #293A55;
    font-size: 11px;
    font-weight: 700;
    line-height: 1.5;
}

.apply-page .form-label span {
    color: #C28A55;
}

.apply-page .form-control {
    display: block;
    width: 100%;
    min-height: 47px;
    padding: 12px 14px;
    border: 1px solid #DFE6F0;
    border-radius: 9px;
    outline: none;
    background-color: #FBFCFE;
    color: #18243A;
    font-family: inherit;
    font-size: 12px;
    line-height: 1.5;
    box-shadow: 0 1px 2px rgba(15, 43, 91, 0.02);
    transition:
        border-color 180ms ease,
        background-color 180ms ease,
        box-shadow 180ms ease;
}

.apply-page textarea.form-control {
    min-height: 112px;
    resize: vertical;
}

.apply-page .form-control::placeholder {
    color: #A2ADBD;
    opacity: 1;
}

.apply-page .form-control:hover {
    border-color: #C6D2E3;
}

.apply-page .form-control:focus {
    border-color: #6F9DEB;
    background-color: #FFFFFF;
    box-shadow: 0 0 0 3px rgba(58, 123, 255, 0.10);
}

.apply-page .form-control:invalid:not(:placeholder-shown) {
    border-color: #D77A7A;
}

.apply-field-help {
    display: block;
    margin-top: 7px;
    color: #8A96A8;
    font-size: 10px;
    line-height: 1.5;
}

/* Upload panel */

.apply-upload-panel {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    padding: 19px;
    border: 1px dashed #C9D5E7;
    border-radius: 12px;
    background: #F8FAFE;
}

.apply-upload-panel strong {
    display: block;
    color: #263A59;
    font-size: 12px;
}

.apply-upload-panel p {
    margin: 5px 0 0;
    color: #7D899C;
    font-size: 10px;
    line-height: 1.6;
}

.apply-upload-label {
    padding: 10px 14px;
    border: 1px solid #D8E0EC;
    border-radius: 8px;
    background: #FFFFFF;
    color: #718097;
    font-size: 10px;
    font-weight: 700;
    cursor: not-allowed;
    opacity: 0.75;
}

.apply-upload-panel input[type="file"] {
    display: none;
}

.apply-upload-panel > small {
    flex-basis: 100%;
    color: #8995A7;
    font-size: 10px;
    line-height: 1.5;
}

/* Review */

.apply-review-panel {
    overflow: hidden;
    margin-bottom: 22px;
    border: 1px solid #E5EAF2;
    border-radius: 12px;
    background: #FBFCFE;
}

.apply-review-placeholder {
    margin: 0;
    padding: 20px;
    color: #7A879B;
    font-size: 12px;
}

.apply-review-group {
    padding: 17px 19px;
    border-bottom: 1px solid #E8EDF4;
}

.apply-review-group:last-child {
    border-bottom: 0;
}

.apply-review-group h3 {
    margin: 0 0 12px;
    color: #0F2B5B;
    font-size: 12px;
    font-weight: 800;
}

.apply-review-row {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    padding: 7px 0;
    color: #78869A;
    font-size: 11px;
    line-height: 1.55;
}

.apply-review-row strong {
    max-width: 60%;
    color: #273A57;
    font-weight: 600;
    text-align: right;
    overflow-wrap: anywhere;
}

.apply-declaration-panel {
    display: flex;
    flex-direction: column;
    gap: 14px;
    padding: 18px;
    border: 1px solid #E5EAF2;
    border-radius: 12px;
    background: #FFFFFF;
}

.apply-checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    color: #596980;
    font-size: 11px;
    line-height: 1.7;
    cursor: pointer;
}

.apply-checkbox-label input {
    flex: 0 0 16px;
    width: 16px;
    height: 16px;
    margin: 2px 0 0;
    accent-color: #0F2B5B;
    cursor: pointer;
}

.apply-refund-note {
    margin-top: 17px;
    padding: 16px 18px;
    border: 1px solid rgba(212, 175, 124, 0.36);
    border-radius: 11px;
    background: linear-gradient(135deg, #FFFCF6, #FFFFFF);
}

.apply-refund-note strong {
    color: #74552D;
    font-size: 11px;
    font-weight: 800;
}

.apply-refund-note p {
    margin: 7px 0 0;
    color: #756B5D;
    font-size: 10px;
    line-height: 1.75;
}

/* Navigation */

.apply-form-navigation {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 31px;
    padding-top: 23px;
    border-top: 1px solid #E9EDF4;
}

.apply-navigation-spacer {
    flex: 1;
}

.apply-page .apply-form-navigation .btn {
    display: inline-flex;
    min-height: 46px;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 0 22px;
    border-radius: 9px;
    font-family: inherit;
    font-size: 11px;
    font-weight: 800;
    text-decoration: none;
    cursor: pointer;
    transition:
        transform 180ms ease,
        box-shadow 180ms ease,
        background 180ms ease;
}

.apply-page .apply-form-navigation .btn:active {
    transform: translateY(1px);
}

.apply-page .apply-form-navigation .btn-primary {
    border: 1px solid #B88D54;
    background: linear-gradient(135deg, #E6C995 0%, #D4AF7C 48%, #C39A60 100%);
    color: #172C4B;
    box-shadow: 0 5px 14px rgba(173, 133, 76, 0.18);
}

.apply-page .apply-form-navigation .btn-primary:hover {
    box-shadow: 0 8px 20px rgba(173, 133, 76, 0.27);
    transform: translateY(-1px);
}

.apply-page .apply-form-navigation .btn-secondary {
    border: 1px solid #DDE5F0;
    background: #FFFFFF;
    color: #42536D;
}

.apply-page .apply-form-navigation .btn-secondary:hover {
    border-color: #B9C8DC;
    background: #F7F9FC;
}

.apply-form-error {
    margin-top: 18px;
    padding: 12px 15px;
    border: 1px solid #F0CACA;
    border-radius: 9px;
    background: #FFF7F7;
    color: #A33E3E;
    font-size: 11px;
    line-height: 1.6;
}

.apply-form-disclaimer {
    margin: 18px 0 0;
    color: #98A3B2;
    font-size: 10px;
    line-height: 1.7;
    text-align: center;
}

/* Footer */

.apply-footer {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 9px 20px;
    padding: 27px 12px 5px;
    color: #8B97A9;
    font-size: 10px;
    text-align: center;
}

.apply-footer a {
    color: #526681;
    font-weight: 700;
    text-decoration: none;
}

.apply-footer a:hover {
    color: #0F2B5B;
}

/* Responsive */

@media (max-width: 900px) {
    .apply-workspace {
        grid-template-columns: 255px minmax(0, 1fr);
    }

    .apply-progress-panel {
        padding: 29px 21px;
    }

    .apply-form-panel {
        padding: 32px 27px 27px;
    }

    .apply-progress-heading {
        flex-wrap: wrap;
    }

    #step-counter {
        margin-top: 10px;
    }
}

@media (max-width: 700px) {
    .apply-header-inner {
        width: calc(100% - 36px);
        min-height: 72px;
    }

    .apply-brand img {
        width: min(185px, 47vw);
        max-height: 52px;
    }

    .apply-back-link {
        gap: 5px;
        font-size: 11px;
    }

    .apply-main {
        width: calc(100% - 28px);
        padding-top: 39px;
    }

    .apply-intro {
        margin-bottom: 27px;
    }

    .apply-intro h1 {
        font-size: clamp(30px, 8vw, 39px);
        letter-spacing: -1.2px;
    }

    .apply-intro > p {
        font-size: 13px;
    }

    .apply-trust-note {
        font-size: 10px;
    }

    .apply-workspace {
        grid-template-columns: minmax(0, 1fr);
        border-radius: 17px;
    }

    .apply-progress-panel {
        padding: 22px 21px 19px;
    }

    .apply-progress-heading {
        align-items: center;
        flex-wrap: nowrap;
    }

    .apply-progress-heading h2 {
        font-size: 17px;
    }

    #step-counter {
        margin-top: 17px;
        font-size: 10px;
    }

    .apply-progress-track {
        margin-top: 17px;
    }

    .apply-step-list {
        display: grid;
        grid-template-columns: repeat(4, minmax(0, 1fr));
        gap: 7px;
        margin-top: 19px;
    }

    .apply-step-indicator {
        flex-direction: column;
        align-items: center;
        gap: 7px;
        text-align: center;
    }

    .apply-step-indicator:not(:last-child)::after {
        display: none;
    }

    .apply-step-number {
        flex-basis: 32px;
        width: 32px;
        height: 32px;
        font-size: 9px;
    }

    .apply-step-indicator strong {
        font-size: 9px;
        line-height: 1.4;
        overflow-wrap: anywhere;
    }

    .apply-step-indicator small {
        display: none;
    }

    .apply-sidebar-note {
        margin-top: 18px;
        padding: 10px 12px;
    }

    .apply-sidebar-note p {
        font-size: 9px;
    }

    .apply-form-panel {
        padding: 27px 21px 23px;
    }

    .apply-form-heading {
        margin-bottom: 23px;
    }

    .apply-form-heading h2 {
        font-size: 22px;
    }

    .apply-field-grid {
        gap: 17px 13px;
    }

    .apply-page .form-control {
        min-height: 46px;
        font-size: 12px;
    }

    .apply-page textarea.form-control {
        min-height: 100px;
    }

    .apply-form-navigation {
        margin-top: 25px;
        padding-top: 19px;
    }

    .apply-page .apply-form-navigation .btn {
        min-height: 44px;
        padding: 0 16px;
        font-size: 10px;
    }
}

@media (max-width: 430px) {
    .apply-header-inner {
        width: calc(100% - 26px);
        gap: 10px;
    }

    .apply-brand img {
        width: min(160px, 45vw);
    }

    .apply-back-link {
        font-size: 10px;
    }

    .apply-main {
        width: calc(100% - 20px);
    }

    .apply-field-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .apply-field-full {
        grid-column: auto;
    }

    .apply-form-panel {
        padding-right: 17px;
        padding-left: 17px;
    }

    .apply-progress-panel {
        padding-right: 15px;
        padding-left: 15px;
    }

    .apply-step-indicator strong {
        font-size: 8px;
    }

    .apply-form-navigation {
        flex-wrap: wrap;
    }

    .apply-navigation-spacer {
        display: none;
    }

    .apply-page .apply-form-navigation .btn {
        flex: 1 1 auto;
    }

    .apply-review-row {
        flex-direction: column;
        gap: 3px;
    }

    .apply-review-row strong {
        max-width: 100%;
        text-align: left;
    }

    .apply-footer {
        flex-direction: column;
        gap: 7px;
    }
}

@media (prefers-reduced-motion: reduce) {
    .apply-page *,
    .apply-page *::before,
    .apply-page *::after {
        scroll-behavior: auto !important;
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
    }
}
/* Application input prefixes: country code and masked identifiers */
.apply-input-prefix {
    display: flex;
    align-items: stretch;
    width: 100%;
    min-width: 0;
}

.apply-input-prefix-label {
    display: flex;
    flex: 0 0 auto;
    align-items: center;
    justify-content: center;
    min-width: 54px;
    padding: 0 13px;
    border: 1px solid #DFE6F0;
    border-right: 0;
    border-radius: 10px 0 0 10px;
    background: #F0F4FB;
    color: #173968;
    font-size: 13px;
    font-weight: 700;
}

.apply-input-prefix .form-control {
    flex: 1 1 auto;
    width: 1%;
    min-width: 0;
    border-radius: 0 10px 10px 0;
}

.apply-input-prefix:focus-within .apply-input-prefix-label {
    border-color: #6F9DEB;
    background: #E8F1FF;
}

/* RAHMATPAY - Assistance and repayment planner */

.apply-planner-field {
    padding: 19px;
    background: #F8FAFF;
    border: 1px solid #E4EAF4;
    border-radius: 13px;
}

.apply-planner-value {
    display: flex;
    align-items: baseline;
    gap: 5px;
    margin: 12px 0 14px;
    color: #0F2B5B;
}

.apply-planner-value strong {
    font-size: 25px;
    font-weight: 800;
    letter-spacing: -0.6px;
    font-variant-numeric: tabular-nums;
}

.apply-planner-value > span:first-child {
    font-size: 18px;
    font-weight: 700;
}

.apply-planner-period {
    color: #7A879B;
    font-size: 12px;
}

.apply-range-control {
    display: block;
    width: 100%;
    height: 7px;
    margin: 15px 0 12px;
    padding: 0;
    accent-color: #C99D5D;
    cursor: pointer;
}

.apply-range-control:focus-visible {
    outline: 3px solid rgba(58, 123, 255, 0.25);
    outline-offset: 5px;
}

.apply-range-limits {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    color: #7A879B;
    font-size: 11px;
}

.apply-repayment-panel {
    padding: 22px;
    border: 1px solid #DCE5F3;
    border-radius: 14px;
    background: linear-gradient(135deg, #F8FAFF 0%, #FFFFFF 100%);
}

.apply-repayment-heading h3 {
    margin: 7px 0;
    color: #0F2B5B;
    font-size: 19px;
    font-weight: 800;
}

.apply-repayment-heading p {
    margin: 0 0 18px;
    color: #7A879B;
    font-size: 12px;
    line-height: 1.6;
}

.apply-repayment-results {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 11px;
}

.apply-repayment-result {
    display: flex;
    flex-direction: column;
    gap: 8px;
    min-width: 0;
    padding: 15px;
    border: 1px solid #E5EAF2;
    border-radius: 10px;
    background: #FFFFFF;
}

.apply-repayment-result span {
    color: #7A879B;
    font-size: 11px;
}

.apply-repayment-result strong {
    color: #0F2B5B;
    font-size: 19px;
    font-weight: 800;
    font-variant-numeric: tabular-nums;
}

.apply-repayment-disclaimer {
    margin: 17px 0 0;
    padding-top: 13px;
    border-top: 1px solid #E5EAF2;
    color: #7A879B;
    font-size: 10px;
    line-height: 1.7;
}

@media (max-width: 600px) {
    .apply-planner-field,
    .apply-repayment-panel {
        padding: 15px;
    }

    .apply-planner-value strong {
        font-size: 23px;
    }

    .apply-repayment-results {
        grid-template-columns: minmax(0, 1fr);
    }
}

/* Zero-interest principle highlight */
.apply-zero-interest-highlight {
    display: flex;
    align-items: center;
    gap: 17px;
    margin: 0 0 18px;
    padding: 19px 21px;
    border: 1px solid #D9BD8F;
    border-left: 4px solid #C99B54;
    border-radius: 12px;
    background: linear-gradient(115deg, #FFF9EF 0%, #FFFDF8 58%, #FFFFFF 100%);
    box-shadow: 0 5px 18px rgba(153, 116, 57, 0.07);
}

.apply-zero-interest-mark {
    display: flex;
    flex: 0 0 57px;
    align-items: center;
    justify-content: center;
    width: 57px;
    height: 57px;
    border: 1px solid #D9BD8F;
    border-radius: 50%;
    background: #F5E8D1;
    color: #8C642F;
    font-size: 21px;
    font-weight: 900;
    letter-spacing: -1px;
}

.apply-zero-interest-content {
    min-width: 0;
}

.apply-zero-interest-eyebrow {
    display: block;
    margin-bottom: 5px;
    color: #A7793E;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.7px;
}

.apply-zero-interest-content h4 {
    margin: 0 0 5px;
    color: #0F2B5B;
    font-size: 17px;
    font-weight: 800;
    line-height: 1.35;
}

.apply-zero-interest-content p {
    margin: 0;
    color: #68758A;
    font-size: 12px;
    line-height: 1.7;
}

@media (max-width: 600px) {
    .apply-zero-interest-highlight {
        align-items: flex-start;
        gap: 12px;
        padding: 15px 13px;
    }

    .apply-zero-interest-mark {
        flex-basis: 46px;
        width: 46px;
        height: 46px;
        font-size: 18px;
    }

    .apply-zero-interest-content h4 {
        font-size: 15px;
    }

    .apply-zero-interest-content p {
        font-size: 11px;
    }
}

/* =========================================================
   RAHMATPAY STEP 32E PREMIUM POLICY STYLES
   ========================================================= */

.apply-refund-note {
    position: relative;
    margin-top: 22px;
    padding: 22px 24px;
    overflow: hidden;
    border: 1px solid rgba(212, 175, 124, 0.48);
    border-radius: 15px;
    background:
        radial-gradient(circle at 100% 0%, rgba(212, 175, 124, 0.13), transparent 43%),
        linear-gradient(135deg, #FFFCF6 0%, #FFFFFF 58%, #F8FAFF 100%);
    box-shadow: 0 9px 26px rgba(15, 43, 91, 0.055);
}

.apply-refund-note strong {
    display: block;
    color: #0F2B5B;
    font-size: 13px;
    font-weight: 800;
    line-height: 1.6;
}

.apply-refund-note p {
    margin: 10px 0 0;
    color: #59677D;
    font-size: 11px;
    line-height: 1.85;
}

.apply-privacy-note {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-top: 25px;
    padding: 15px 17px;
    border: 1px solid #E1E9F5;
    border-radius: 12px;
    background: linear-gradient(135deg, #F5F8FE 0%, #FFFFFF 100%);
}

.apply-privacy-icon {
    display: flex;
    flex: 0 0 35px;
    width: 35px;
    height: 35px;
    align-items: center;
    justify-content: center;
    border: 1px solid #DCE7F7;
    border-radius: 10px;
    background: #E8F1FF;
    color: #0F2B5B;
    font-size: 15px;
}

.apply-privacy-content {
    min-width: 0;
}

.apply-privacy-content strong {
    display: block;
    margin-bottom: 5px;
    color: #0F2B5B;
    font-size: 11px;
    font-weight: 800;
}

.apply-privacy-content p {
    margin: 0;
    color: #66738A;
    font-size: 10px;
    line-height: 1.8;
}

@media (max-width: 600px) {
    .apply-refund-note {
        padding: 18px 16px;
        border-radius: 13px;
    }

    .apply-privacy-note {
        gap: 10px;
        padding: 13px;
    }
}

/* STEP 33B - Declaration-gated application submission */

.apply-submit-button:disabled,
.apply-submit-button[disabled] {
    opacity: 0.48;
    cursor: not-allowed;
    pointer-events: none;
    box-shadow: none;
    filter: saturate(0.45);
}

.apply-submit-button:not(:disabled) {
    opacity: 1;
    cursor: pointer;
    pointer-events: auto;
    filter: none;
}

/* =========================================================
   STEP 34B - PREMIUM REFUND ASSURANCE
   ========================================================= */

.apply-refund-note {
    position: relative;
    margin-top: 24px;
    padding: 25px 26px;
    overflow: hidden;
    border: 1px solid rgba(212, 175, 124, 0.52);
    border-radius: 17px;
    background:
        radial-gradient(
            circle at 100% 0%,
            rgba(212, 175, 124, 0.15),
            transparent 46%
        ),
        linear-gradient(125deg, #FFFCF6 0%, #FFFFFF 55%, #F8FAFF 100%);
    box-shadow: 0 12px 30px rgba(15, 43, 91, 0.055);
}

.apply-refund-header {
    display: flex;
    align-items: center;
    gap: 15px;
}

.apply-refund-emblem {
    position: relative;
    display: flex;
    flex: 0 0 48px;
    width: 48px;
    height: 48px;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(212, 175, 124, 0.58);
    border-radius: 14px;
    background: linear-gradient(145deg, #FFF9EC, #F0DDBB);
    box-shadow: 0 4px 12px rgba(116, 85, 45, 0.09);
}

.apply-refund-emblem span {
    display: flex;
    width: 27px;
    height: 27px;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #0F2B5B;
    color: #F4D9A8;
    font-size: 14px;
    font-weight: 800;
}

.apply-refund-heading {
    display: flex;
    flex-direction: column;
    gap: 5px;
}

.apply-refund-eyebrow {
    color: #99713E;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.5px;
}

.apply-refund-note .apply-refund-heading strong {
    color: #0F2B5B;
    font-size: 15px;
    font-weight: 800;
    line-height: 1.45;
}

.apply-refund-note .apply-refund-description {
    margin: 17px 0 0;
    color: #59677D;
    font-size: 11px;
    line-height: 1.9;
}

.apply-refund-promise {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-top: 19px;
    padding: 13px 15px;
    border: 1px solid rgba(212, 175, 124, 0.34);
    border-radius: 11px;
    background: linear-gradient(110deg, #FFF8E9, #FFFCF6);
}

.apply-refund-promise-icon {
    display: flex;
    flex: 0 0 25px;
    width: 25px;
    height: 25px;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #EAD5AE;
    color: #74552D;
    font-size: 12px;
    font-weight: 900;
}

.apply-refund-promise > div {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.apply-refund-promise strong {
    color: #74552D;
    font-size: 9px;
    font-weight: 900;
    letter-spacing: 1px;
}

.apply-refund-promise > div > span {
    color: #756B5D;
    font-size: 10px;
    line-height: 1.65;
}

@media (max-width: 600px) {
    .apply-refund-note {
        padding: 19px 16px;
        border-radius: 14px;
    }

    .apply-refund-emblem {
        flex-basis: 42px;
        width: 42px;
        height: 42px;
    }

    .apply-refund-note .apply-refund-heading strong {
        font-size: 13px;
    }

    .apply-refund-promise {
        align-items: flex-start;
        padding: 12px;
    }
}

/* STEP 61 - Successful application submission */
.apply-form-success {
    margin-top: 18px;
    padding: 16px 18px;
    border: 1px solid #D4AF7C;
    border-radius: 10px;
    background: #FFFCF6;
    color: #0F2B5B;
    font-size: 13px;
    line-height: 1.8;
    overflow-wrap: anywhere;
}