/* v32: client-facing pages (apply flows, partner-branded links, stip upload, agreement, partner signup).
   Scoped to body.cl so the marketing site (styles.css only) is untouched. Visual only. */
body.cl{
  --navy:#0a1f4d; --navy2:#102c68; --gold:#c4952a; --gold2:#e8c15f;
  --gold-hi:#e8c15f; --gold-lo:#a37513; --gold-ink:#8a620d; --champ:#fbf1d6;
  --ink:#0c1a35; --ink-2:#34425e; --mut:#5a6881; --bg:#f3f6fb;
  --line:rgba(10,31,77,.12); --line-2:rgba(10,31,77,.07);
  --cl-btn:linear-gradient(180deg,#efcf7a,#d3a437); --cl-btn-ink:#1d1503;
  --cl-accent:var(--gold-hi);
  --sh-1:0 1px 2px rgba(10,31,77,.06),0 8px 24px -10px rgba(10,31,77,.22);
  --sh-2:0 1px 2px rgba(10,31,77,.06),0 24px 48px -22px rgba(10,31,77,.34);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink); background:#d9e1ee; -webkit-font-smoothing:antialiased; min-height:100vh;
  font-size:15px; line-height:1.55; position:relative;
}
body.cl::before{content:"";position:fixed;inset:0;pointer-events:none;z-index:0;
  background:
    radial-gradient(1250px 800px at 0% 0%,rgba(12,40,110,.52),rgba(12,40,110,.2) 46%,transparent 72%),
    radial-gradient(1150px 800px at 100% 100%,rgba(232,184,80,.72),rgba(232,184,80,.28) 46%,transparent 74%),
    linear-gradient(180deg,#d6deec,#dde4ef)}
body.cl > *{position:relative;z-index:1}
body.cl h1,body.cl h2,body.cl h3,body.cl h4{font-family:inherit;color:var(--navy);letter-spacing:-.02em}
body.cl a{color:var(--navy)}
body.cl .mut,body.cl .muted{color:var(--mut)}
body.cl .wrap{max-width:900px;padding:0 20px}
.cl-wrap{max-width:900px;margin:0 auto;padding:0 20px}

/* header */
.cl-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.72);
  -webkit-backdrop-filter:blur(18px) saturate(1.5);backdrop-filter:blur(18px) saturate(1.5);
  border-bottom:1px solid var(--line-2);box-shadow:0 6px 24px -16px rgba(10,31,77,.4)}
body.cl header.cl-header{background:rgba(255,255,255,.72);border-bottom:1px solid var(--line-2)}
.cl-header .cl-wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:66px}
.cl-brand{display:flex;align-items:center;gap:10px;text-decoration:none}
.cl-brand img{width:40px;height:auto;display:block}
.cl-brand span{font-weight:800;font-size:14px;letter-spacing:.07em;text-transform:uppercase;color:var(--navy);white-space:nowrap}
.cl-help,.cl-header .cl-help a{font-size:13px;font-weight:650;color:var(--navy);text-decoration:none;padding:8px 14px;border-radius:999px;
  background:rgba(255,255,255,.9);border:1px solid var(--line);white-space:nowrap}
.cl-help-l{color:var(--mut);font-weight:550;margin-right:4px}
.cl-header .cl-help a{border:0;padding:0;background:none}

/* white-label header */
body.cl header.wl-header{border-bottom:3px solid var(--cl-brand,var(--gold-hi))}
body.cl .wl-brand{display:flex;align-items:center;gap:14px;min-width:0;text-decoration:none;color:inherit}
body.cl header.wl-header img,body.cl .wl-brand img{height:44px;width:auto;max-height:44px;max-width:min(220px,48vw);object-fit:contain;flex:none}
body.cl .wl-brand-text{display:flex;flex-direction:column;gap:1px;min-width:0}
body.cl .wl-brand-text strong{font-size:17px;line-height:1.2;color:var(--navy);letter-spacing:-.01em}
body.cl .wl-brand-text small{font-size:11.5px;font-weight:600;color:var(--mut);letter-spacing:.02em}
body.cl header.wl-header .cl-wrap{min-height:72px}

/* hero: navy card, single column */
body.cl .hero{background:none;padding:34px 0 0;color:#fff}
body.cl .hero .wrap{max-width:820px;margin:0 auto;padding:30px 34px 32px;border-radius:24px;color:#fff;
  background:radial-gradient(520px 220px at 100% 0%,rgba(232,193,95,.28),transparent 70%),linear-gradient(135deg,#061a47,#0b2a66 58%,#123b84);
  border:1px solid rgba(255,255,255,.1);box-shadow:var(--sh-2),inset 0 1px 0 rgba(255,255,255,.14)}
body.cl .hero h1{font-size:34px;line-height:1.12;letter-spacing:-.025em;font-weight:750;color:#fff;max-width:none;margin:12px 0 0}
body.cl .hero h1[style]{margin-top:12px!important}
body.cl .hero p{font-size:16px;line-height:1.55;color:#cfdbf3;max-width:60ch;margin:12px 0 0}
body.cl .hero .eyebrow{color:var(--gold-hi);margin:0}
body.cl .hero .ai,body.cl .ai{display:inline-block;background:rgba(232,193,95,.16);color:var(--gold-hi);font-weight:800;font-size:11px;letter-spacing:.14em;
  padding:6px 12px;border-radius:999px;border:1px solid rgba(232,193,95,.38)}
body.cl .card .ai,body.cl .stepcard .ai{background:var(--champ);color:var(--gold-ink);border-color:rgba(196,149,42,.4)}

/* sections */
body.cl .sec,body.cl .sec.alt{background:none;padding:22px 0 56px}
body.cl .sec .wrap{max-width:860px}
body.cl:has(.wrap.grid.g2) .hero .wrap{max-width:920px}
body.cl .sec .wrap.grid.g2{max-width:960px;display:grid;grid-template-columns:1fr 1fr;gap:20px}
body.cl .cl-main{min-height:50vh}

/* frosted cards */
body.cl .card,body.cl .stepcard{background:rgba(255,255,255,.84);-webkit-backdrop-filter:blur(16px) saturate(1.4);backdrop-filter:blur(16px) saturate(1.4);
  border:1px solid rgba(255,255,255,.8);border-radius:22px;box-shadow:var(--sh-2);padding:30px 32px;color:var(--ink)}
body.cl .stepcard{max-width:860px;margin:0 auto 30px}
body.cl .card h3{font-size:21px;font-weight:700;color:var(--navy)}
body.cl .card p{color:var(--ink-2)}
body.cl .stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0 22px}
body.cl .stat{background:rgba(255,255,255,.8);border:1px solid var(--line-2);border-radius:14px;padding:12px 10px;text-align:center}
body.cl .stat b{display:block;font-size:16px;color:var(--navy);font-weight:750;letter-spacing:-.01em}
body.cl .stat span{font-size:11.5px;color:var(--mut);font-weight:600;text-transform:uppercase;letter-spacing:.06em}
body.cl .grid.g2 .card .btn{width:100%}

/* progress + step meta */
body.cl .stepmeta{display:flex;justify-content:space-between;font-size:11.5px;color:var(--gold-ink);font-weight:800;text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px}
body.cl .prog{display:flex;gap:6px;margin:4px 0 22px}
body.cl .prog i{flex:1;height:6px;border-radius:99px;background:rgba(10,31,77,.12)}
body.cl .prog i.d{background:linear-gradient(90deg,var(--gold-lo),var(--cl-accent));box-shadow:0 0 10px rgba(232,193,95,.55)}

/* fields */
body.cl .form label{display:block;font-size:13px;font-weight:650;color:var(--ink-2);margin:16px 0 6px;letter-spacing:0}
body.cl .form input:not([type=checkbox]):not([type=radio]):not([type=file]):not([type=hidden]),
body.cl .form select,body.cl .form textarea{height:48px;border:1px solid rgba(10,31,77,.18);border-radius:12px;background:rgba(255,255,255,.95);
  padding:12px 14px;font:inherit;font-size:16px;color:var(--ink);width:100%;transition:border-color .15s,box-shadow .15s;box-shadow:inset 0 1px 2px rgba(10,31,77,.04)}
body.cl .form textarea{height:110px;resize:vertical}
body.cl .form input:focus,body.cl .form select:focus,body.cl .form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(232,193,95,.3)}
body.cl .form input::placeholder{color:#8a96ab}
body.cl .form input.is-invalid,body.cl .form select.is-invalid,body.cl .form textarea.is-invalid{border-color:#b42318;background:#fff8f7}
body.cl .form .err,body.cl .field-err{color:#b42318;font-size:13px;font-weight:600}
body.cl .step-err{background:#fdecea;border:1px solid #f1c3be;color:#a8281d;border-radius:12px;font-weight:600}
body.cl .f2,body.cl .f3{gap:0 18px}
body.cl .form input[type=checkbox],body.cl .form input[type=radio]{accent-color:var(--navy)}
body.cl .opts{gap:10px}
body.cl .opt{border:1px solid rgba(10,31,77,.18);border-radius:12px;background:rgba(255,255,255,.95);padding:12px 18px;font-size:15px;font-weight:550;color:var(--ink);transition:all .15s}
body.cl .opt:hover{border-color:var(--gold)}
body.cl .opt:has(input:checked),body.cl .opt.sel{border-color:var(--gold);background:linear-gradient(180deg,#fff8e4,var(--champ));color:var(--navy);font-weight:700;box-shadow:0 0 0 3px rgba(232,193,95,.28)}
body.cl .form .note,body.cl .note{font-size:13px;color:var(--mut)}

/* legal / consent */
body.cl .legal{font-size:12.5px;line-height:1.6;color:#46382a;background:rgba(251,241,214,.6);border:1px solid rgba(196,149,42,.32);border-left:3px solid var(--gold);border-radius:12px;padding:14px 16px}
body.cl .legal a{color:var(--gold-ink);font-weight:650}

/* buttons */
body.cl .btn{border-radius:12px;font-weight:700;font-size:15px;min-height:46px;padding:12px 24px;border:1px solid transparent;transition:transform .12s,box-shadow .15s,filter .15s;text-decoration:none}
body.cl .btn.gold,body.cl .gold{background:var(--cl-btn);color:var(--cl-btn-ink);border:1px solid rgba(255,255,255,.35);box-shadow:0 10px 22px -10px rgba(163,117,19,.7),inset 0 1px 0 rgba(255,255,255,.5)}
body.cl .btn.gold:hover{filter:brightness(1.05);transform:translateY(-1px)}
body.cl .btn.ghost{background:rgba(255,255,255,.85);color:var(--navy)!important;border:1px solid var(--line)}
body.cl .btn.ghost:hover{background:#fff}
body.cl .btn:focus-visible,body.cl a:focus-visible{outline:3px solid rgba(232,193,95,.6);outline-offset:2px}
body.cl .navrow{margin-top:26px}

/* flash */
body.cl .flash{background:#e9f6ee;border:1px solid rgba(29,122,70,.4);color:#17623a;border-radius:14px;padding:14px 18px}
body.cl .flash.err{background:#fdecea;border-color:#f1c3be;color:#a8281d}
body.cl .flash.warn{background:var(--champ);border-color:rgba(196,149,42,.4);color:#6b5420}

/* upload drops + stips */
body.cl .drop{border:2px dashed rgba(196,149,42,.55);border-radius:14px;background:rgba(251,241,214,.35);color:var(--ink-2);padding:16px;transition:background .15s,border-color .15s}
body.cl .drop:hover{background:rgba(251,241,214,.7);border-color:var(--gold)}
body.cl #ok.stips-ok,body.cl .stips-ok{background:rgba(255,255,255,.84);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.8);border-radius:22px;box-shadow:var(--sh-2);color:var(--ink);padding:28px 30px;max-width:860px}
body.cl .stips-wrap h3,body.cl .stips-done h3{color:var(--navy);font-size:21px}
body.cl .stip-item{background:rgba(255,255,255,.7);border:1px solid var(--line-2);border-radius:16px;padding:16px 18px}
body.cl .stip-status.ok{color:#17623a}
body.cl .stip-resume,body.cl .stip-resume-banner{background:rgba(251,241,214,.55);border:1px solid rgba(196,149,42,.32);border-radius:16px}
body.cl .stip-link-row input{border-radius:12px;border:1px solid rgba(10,31,77,.18)}

/* offer / pre-qualification result */
body.cl .pq-box{background:rgba(255,255,255,.88);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.85);border-radius:20px;box-shadow:var(--sh-1);padding:22px 24px;margin:20px 0;position:relative;overflow:hidden}
body.cl .pq-box::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--gold-lo),var(--gold-hi))}
body.cl .pq-box h3{font-size:19px;color:var(--navy);margin:2px 0 8px}
body.cl .pq-ranges{gap:14px}
body.cl .pq-range{background:linear-gradient(180deg,#fff,#f4f7fc);border:1px solid var(--line-2);border-radius:16px;padding:16px 18px;box-shadow:0 1px 2px rgba(10,31,77,.05)}
body.cl .pq-range h4{font-size:11.5px;font-weight:800;letter-spacing:.12em;color:var(--gold-ink)}
body.cl .pq-range .pq-amt{font-size:26px;font-weight:750;letter-spacing:-.02em;color:var(--navy)}
body.cl .pq-range .pq-note,body.cl .pq-disclaimer,body.cl .pq-notes{color:var(--mut)}
body.cl .pq-tag.observed{background:#e5f4eb;color:#17623a}
body.cl .pq-tag.assumed{background:var(--champ);color:#6b5420}
body.cl .pq-kv td{border-bottom:1px solid var(--line-2)}

/* partner agreement */
body.cl .agree-wrap{max-width:860px;margin:0 auto;padding:26px 20px 20px}
body.cl .agree-doc{background:rgba(255,255,255,.94);border:1px solid rgba(255,255,255,.85);border-radius:20px;box-shadow:var(--sh-1);padding:30px 32px 38px;color:var(--ink);font-size:15px;line-height:1.65}
body.cl .agree-doc h2{font-size:19px;color:var(--navy)}
body.cl .agree-doc h3{font-size:15.5px;color:var(--navy)}
body.cl .agree-meta{color:var(--mut)}
body.cl .agree-page .card{margin-bottom:20px}
body.cl .agree-page h1{font-size:28px;margin:0 0 10px}

/* partner landing */
body.cl .wl-hero .wl-hero-in{display:flex;gap:28px;align-items:center;justify-content:space-between;flex-wrap:wrap}
body.cl .wl-hero-copy{flex:1;min-width:240px}
body.cl .wl-photo,body.cl .wl-av{width:124px;height:124px;border-radius:50%;object-fit:cover;border:3px solid var(--cl-accent,var(--gold-hi));background:#fff;box-shadow:0 12px 28px -12px rgba(0,0,0,.5)}
body.cl .wl-av{display:flex;align-items:center;justify-content:center;background:var(--cl-accent,var(--gold-hi));color:var(--cl-on-accent,#1d1503);font-weight:800;font-size:38px}
body.cl .wl-cta{display:grid;grid-template-columns:1fr 1fr;gap:20px}
body.cl .wl-cta .btn{width:100%}

/* footer */
.cl-foot{background:none;color:var(--ink-2);padding:8px 0 40px;text-align:center;font-size:12.5px}
.cl-foot .cl-wrap{border-top:1px solid var(--line);padding-top:20px}
.cl-foot p{margin:2px 0;color:var(--ink-2)}
body.cl footer.cl-foot{background:none;color:var(--ink-2);padding:8px 0 40px;font-size:12.5px}
.cl-aside{text-align:center;font-size:14px;color:var(--ink-2);margin:0 0 26px}
.cl-aside a{font-weight:650;color:var(--navy)}

/* tablet / mobile */
@media (max-width:760px){
  body.cl .sec .wrap.grid.g2,body.cl .wl-cta{grid-template-columns:1fr}
  body.cl .hero{padding:18px 0 0}
  body.cl .hero .wrap{margin:0 14px;padding:22px 20px 24px;border-radius:20px}
  body.cl .hero h1{font-size:26px}
  body.cl .hero p{font-size:15px}
  body.cl .sec,body.cl .sec.alt{padding:16px 0 36px}
  body.cl .sec .wrap{padding:0 14px}
  body.cl .card,body.cl .stepcard{padding:22px 18px;border-radius:20px}
  body.cl .stepcard .navrow{background:rgba(255,255,255,.9);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-top:1px solid var(--line-2);margin:20px -18px -22px;padding:12px 18px calc(12px + env(safe-area-inset-bottom));border-radius:0 0 20px 20px}
  .cl-help-l{display:none}
  .cl-brand span{font-size:13px}
  .cl-header .cl-wrap{min-height:58px;padding:0 14px}
  body.cl header.wl-header .cl-wrap{min-height:64px}
  body.cl header.wl-header img,body.cl .wl-brand img{height:36px;max-height:36px;max-width:42vw}
  body.cl .wl-brand-text strong{font-size:15px}
  body.cl .agree-doc{padding:20px 16px}
  body.cl .pq-range .pq-amt{font-size:23px}
  body.cl .stats{gap:8px}
  body.cl .wl-hero .wl-hero-in{flex-direction:column-reverse;align-items:flex-start}
  body.cl .wl-photo,body.cl .wl-av{width:92px;height:92px;font-size:30px}
  body.cl #ok.stips-ok,body.cl .stips-ok{padding:22px 18px;border-radius:20px}
}

/* label variants inside forms */
body.cl .form label.opt{display:inline-flex;align-items:center;margin:0}
body.cl .form label:has(> input[type=checkbox]),body.cl .form label:has(> input[type=radio]):not(.opt){display:flex;align-items:center;gap:12px;min-height:44px;width:fit-content;max-width:100%;margin:12px 0 4px;font-weight:650;color:var(--navy)}