*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --orange: #e87c2b;
    --orange-light: #f5a55a;
    --orange-pale: #fef3e8;
    --dark: #1a1a1a;
    --mid: #555;
    --light: #999;
    --border: #e0e0e0;
    --bg: #f9f9f9;
    --white: #ffffff;
  }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--bg);
    color: var(--dark);
    font-size: 13px;
    line-height: 1.5;
  }

  /* ── HEADER ── */
  .site-header {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 14px 20px;
    display: flex;
    align-items: center;
    gap: 12px;
    position: sticky;
    top: 0;
    z-index: 100;
  }

  .logo {
    width: 42px;
    height: 42px;
    background: var(--dark);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'DM Mono', monospace;
    font-weight: 500;
    font-size: 13px;
    color: var(--white);
    letter-spacing: -0.5px;
  }

  .header-title {
    font-size: 16px;
    font-weight: 600;
    color: var(--dark);
    letter-spacing: -0.3px;
  }

  /* ── LAYOUT ── */
  .page {
    max-width: 520px;
    margin: 0 auto;
    padding: 24px 16px 60px;
  }

  /* ── SECTION ── */
  .form-section {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 20px;
    margin-bottom: 16px;
  }

  .section-title {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--light);
    margin-bottom: 16px;
    padding-bottom: 10px;
    border-bottom: 1px solid var(--border);
  }

  /* ── FIELD ── */
  .field {
    margin-bottom: 14px;
  }

  .field:last-child { margin-bottom: 0; }

  .field-label {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 11.5px;
    font-weight: 500;
    color: var(--mid);
    margin-bottom: 5px;
    font-family: 'DM Mono', monospace;
  }

  .badge-req {
    display: inline-flex;
    align-items: center;
    background: var(--orange);
    color: var(--white);
    font-size: 9px;
    font-weight: 600;
    letter-spacing: 0.06em;
    padding: 1px 6px;
    border-radius: 3px;
    text-transform: uppercase;
  }

  .field input,
  .field select,
  .field textarea {
    width: 100%;
    max-width: 100%;
    border: 1px solid var(--border);
    border-radius: 7px;
    padding: 8px 11px;
    font-size: 13px;
    font-family: 'DM Sans', sans-serif;
    color: var(--dark);
    background: var(--white);
    outline: none;
    transition: border-color .15s, box-shadow .15s;
  }

  .field textarea {
    resize: vertical;
    overflow: auto;
  }

  .field input:focus,
  .field select:focus,
  .field textarea:focus {
    border-color: var(--orange);
    box-shadow: 0 0 0 3px rgba(232,124,43,.1);
  }

  .field input::placeholder { color: #ccc; }

  /* sub-group (Your / Co-Applicant) */
  .sub-group {
    margin-top: 8px;
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
  }

  .sub-row {
    display: flex;
    align-items: center;
    padding: 7px 11px;
    gap: 10px;
    border-bottom: 1px solid var(--border);
    background: var(--white);
  }

  .sub-row:last-child { border-bottom: none; }

  .sub-label {
    font-size: 11px;
    color: var(--light);
    font-family: 'DM Mono', monospace;
    width: 180px;
    flex-shrink: 0;
  }

  .sub-row input {
    flex: 1;
    border: none;
    outline: none;
    font-size: 13px;
    font-family: 'DM Sans', sans-serif;
    color: var(--dark);
    background: transparent;
  }

  /* two-col grid */
  .grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }

  /* highlight box */
  .highlight-box {
    background: var(--orange-pale);
    border: 1px solid var(--orange-light);
    border-radius: 8px;
    padding: 11px 13px;
    font-size: 12px;
    color: var(--dark);
    line-height: 1.55;
    margin-bottom: 14px;
  }

  .highlight-box strong { color: var(--orange); }

  /* paragraph blocks */
  .text-block {
    font-size: 12px;
    color: var(--mid);
    line-height: 1.7;
    margin-bottom: 14px;
  }

  /* sub-section header */
  .sub-section-title {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.07em;
    text-transform: uppercase;
    color: var(--orange);
    margin: 18px 0 10px;
    display: flex;
    align-items: center;
    gap: 8px;
  }

  .sub-section-title::after {
    content: '';
    flex: 1;
    height: 1px;
    background: var(--orange-light);
    opacity: .4;
  }

  /* score range pill */
  .score-range {
    display: inline-block;
    background: var(--orange);
    color: var(--white);
    font-family: 'DM Mono', monospace;
    font-size: 11px;
    font-weight: 500;
    padding: 3px 10px;
    border-radius: 20px;
    margin: 4px 2px;
  }

  /* divider */
  .divider {
    border: none;
    border-top: 1px solid var(--border);
    margin: 18px 0;
  }

  /* submit btn */
  .btn-submit {
    width: 100%;
    background: var(--orange);
    color: var(--white);
    border: none;
    border-radius: 9px;
    padding: 13px;
    font-size: 14px;
    font-weight: 600;
    font-family: 'DM Sans', sans-serif;
    cursor: pointer;
    letter-spacing: 0.01em;
    transition: background .15s, transform .1s;
    margin-top: 6px;
  }

  .btn-submit:hover { background: #d46e22; }
  .btn-submit:active { transform: scale(.99); }

  /* small note */
  .small-note {
    font-size: 10.5px;
    color: var(--light);
    text-align: center;
    margin-top: 10px;
    line-height: 1.5;
  }

  /* page-level title */
  .page-title {
    font-size: 20px;
    font-weight: 600;
    color: var(--dark);
    letter-spacing: -0.4px;
    margin-bottom: 4px;
  }

  .page-subtitle {
    font-size: 12.5px;
    color: var(--light);
    margin-bottom: 22px;
  }

  .modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 1000;
  }
  
  .modal-content {
    background-color: white;
    padding: 40px;
    border-radius: 8px;
    text-align: center;
    max-width: 500px;
    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
  }
  
  .modal-content h2 {
    margin-top: 0;
    color: #333;
  }
  
  .modal-content p {
    color: #666;
    line-height: 1.6;
    margin: 20px 0;
  }
  
  .btn-close {
    background-color: #4CAF50;
    color: white;
    padding: 10px 30px;
    border: none;
    border-radius: 4px;
    cursor: pointer;
    font-size: 14px;
  }
  
  .btn-close:hover {
    background-color: #45a049;
  }