/* Secure application + reach-out forms */
.apply-layout { display: grid; gap: 1.75rem; align-items: start; }
@media (min-width: 960px) { .apply-layout { grid-template-columns: minmax(0, 22rem) minmax(0, 1fr); } .apply-aside { position: sticky; top: calc(var(--header-h) + 1rem); } }
.apply-aside { display: grid; gap: 1rem; }
.info-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.25rem 1.25rem 1rem; box-shadow: var(--shadow-soft); }
.info-panel h2 { font-family: var(--font-serif); font-size: 1.2rem; margin: 0 0 .6rem; color: var(--pine-deep); display: flex; gap: .45rem; align-items: center; }
.info-panel h2 + p, .info-panel p { margin: 0 0 .75rem; color: var(--ink); line-height: 1.55; }
.info-panel ul + h2 { margin-top: 1rem; }
.check-list { list-style: none; margin: 0; padding: 0; display: grid; gap: .5rem; }
.check-list li { position: relative; padding-left: 1.6rem; line-height: 1.45; }
.check-list li::before { content: ""; position: absolute; left: .15rem; top: .35rem; width: .55rem; height: .9rem; border: solid var(--pine-mid); border-width: 0 2.5px 2.5px 0; transform: rotate(40deg); }
.secure-panel { background: var(--pine-deep); color: var(--cream); border-color: var(--pine-deep); }
.secure-panel h2, .secure-panel p, .secure-panel h2 + p { color: var(--cream); }
.reach-panel { background: var(--cream); }
.apply-form fieldset { border: 0; border-top: 1px solid var(--line); margin: 0 0 .5rem; padding: 1.25rem 0 .25rem; min-width: 0; }
.apply-form fieldset:first-of-type { border-top: 0; padding-top: .25rem; }
.apply-form legend { font-family: var(--font-serif); font-size: 1.3rem; font-weight: 600; color: var(--pine-deep); padding: 0; margin-bottom: .75rem; }
.hint { font-size: .9rem; color: var(--muted); margin: .3rem 0 0; line-height: 1.45; }
.hint .icon, .info-panel .icon { width: 1em; height: 1em; vertical-align: -.12em; }
.form-grid-3 { display: grid; gap: 0 1rem; }
@media (min-width: 600px) { .form-grid-3 { grid-template-columns: 1fr 2fr 5rem; } .form-row-short { max-width: 12rem; } .form-row-mid { max-width: 20rem; } }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: .85rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.input-prefix input { padding-left: 1.75rem !important; width: 100%; }
.check-row { display: flex; gap: .65rem; align-items: flex-start; margin: .5rem 0; }
.check-row input[type="checkbox"], .check-row input[type="radio"] { width: 1.25rem; height: 1.25rem; margin: .1rem 0 0; flex: 0 0 auto; accent-color: var(--pine-mid); }
.check-row label { line-height: 1.45; cursor: pointer; }
.check-row.consent { background: var(--cream); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: .85rem; font-size: .93rem; }
.check-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(10rem, 1fr)); gap: 0 1rem; margin-top: .35rem; }
.check-inline { margin: .35rem 0; }
.cosigner { border-left: 3px solid var(--pine-mid); padding-left: 1rem; margin-top: .75rem; }
.ssn-wrap { display: flex; gap: .5rem; }
.ssn-wrap input { flex: 1 1 auto; letter-spacing: .08em; }
.ssn-show { border: 1px solid var(--line); background: var(--white); color: var(--pine); border-radius: var(--radius-sm); padding: 0 .9rem; font: inherit; font-weight: 600; cursor: pointer; }
.privacy-text { font-size: .95rem; line-height: 1.6; margin: 0 0 .75rem; }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.turnstile-box { margin: 1rem 0 .5rem; min-height: 65px; }
.form-status { margin: .5rem 0 1rem; font-weight: 600; }
.form-status.is-error { color: var(--danger); }
.form-status.is-ok { color: var(--pine-mid); }
.field-error { border-color: var(--danger) !important; box-shadow: 0 0 0 2px var(--sample-bg); }
.btn-submit[disabled] { opacity: .65; cursor: progress; }
.success-panel { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 2rem 1.5rem; text-align: center; }
.success-panel h2 { font-family: var(--font-serif); color: var(--pine-deep); margin-top: 0; }

/* Reach-out dialog */
.reach-dialog { border: 0; border-radius: var(--radius); padding: 0; width: min(30rem, calc(100vw - 1.5rem)); max-height: calc(100dvh - 2rem); box-shadow: 0 20px 60px rgba(16,36,31,.35); background: var(--paper); color: var(--ink); }
.reach-dialog::backdrop { background: rgba(16, 36, 31, .55); }
.reach-dialog .reach-head { background: var(--pine-deep); color: var(--cream); padding: 1rem 1.25rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.reach-dialog .reach-head h2 { margin: 0; font-family: var(--font-serif); font-size: 1.3rem; color: var(--cream); }
.reach-close { background: transparent; border: 0; color: var(--cream); font-size: 1.6rem; line-height: 1; cursor: pointer; padding: .25rem .5rem; }
.reach-dialog form { padding: 1rem 1.25rem 1.25rem; }
.reach-dialog .lede { margin: 0 0 .75rem; font-size: .98rem; }
.method-toggle { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; margin-top: .35rem; }
.method-toggle input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.method-toggle label { display: flex; justify-content: center; align-items: center; gap: .4rem; border: 2px solid var(--line); border-radius: var(--radius-sm); padding: .7rem; font-weight: 600; cursor: pointer; background: var(--white); }
.method-toggle input:checked + label { border-color: var(--pine-mid); background: var(--pine-deep); color: var(--cream); }
.method-toggle input:focus-visible + label { box-shadow: var(--focus); }
.reach-inline { margin-top: 1rem; }
.hero-actions-secondary { margin-top: .75rem; }
.apply-form fieldset > p.hint:first-of-type { margin: 0 0 .9rem; }