.rise-form-shell {
  --rf-navy: #17395e;
  --rf-deep: #0e2947;
  --rf-gold: #f7b93b;
  --rf-line: #dce1e7;
  --rf-muted: #637084;
  display: grid;
  grid-template-columns: minmax(260px, .58fr) minmax(0, 1.42fr);
  gap: clamp(32px, 6vw, 90px);
  align-items: start;
  margin: 0 auto;
  color: #16283d;
  background: transparent;
  font-family: 'Montserrat', Arial, sans-serif;
}
.rise-form-intro { position: sticky; top: 135px; padding: 34px 32px; background: #f4f5f7; border-top: 4px solid var(--rf-gold); }
.rise-form-intro h2 { font-size: clamp(2.4rem, 4vw, 4.5rem); font-weight: 300; line-height: 1.05; color: var(--rf-navy); margin: 0 0 24px; letter-spacing: -.04em; }
.rise-form-intro > p { color: var(--rf-muted); font-size: 1.04rem; }
.rise-form-kicker { color: var(--rf-navy) !important; font-size: .72rem !important; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; }
.rise-form-trust { margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--rf-line); color: var(--rf-muted); font-size: .85rem; }
.rise-form-trust span { display: inline-grid; place-items: center; width: 26px; height: 26px; margin-right: 10px; border-radius: 50%; background: var(--rf-gold); color: var(--rf-deep); font-weight: 700; }
.rise-form-card { background: #fff !important; color: #16283d; border: 1px solid var(--rf-line); box-shadow: 0 20px 70px rgba(14,41,71,.08); }
.rise-form-progress { display: grid; grid-template-columns: repeat(4, 1fr); border-bottom: 1px solid var(--rf-line); }
.rise-progress-item { position: relative; min-height: 88px; padding: 20px; display: flex; align-items: center; gap: 10px; color: #8a94a2; border-right: 1px solid var(--rf-line); }
.rise-progress-item:last-child { border-right: 0; }
.rise-progress-item::after { content: ''; position: absolute; left: 0; right: 100%; bottom: -1px; height: 3px; background: var(--rf-gold); transition: right .25s; }
.rise-progress-item.is-active::after, .rise-progress-item.is-complete::after { right: 0; }
.rise-progress-item span { width: 28px; height: 28px; border: 1px solid var(--rf-line); border-radius: 50%; display: grid; place-items: center; font-size: .7rem; font-weight: 600; }
.rise-progress-item.is-active, .rise-progress-item.is-complete { color: var(--rf-navy); }
.rise-progress-item.is-active span, .rise-progress-item.is-complete span { border-color: var(--rf-gold); background: var(--rf-gold); }
.rise-progress-item small { font-size: .7rem; text-transform: uppercase; letter-spacing: .07em; font-weight: 600; }
.rise-application-form { padding: clamp(28px, 5vw, 64px); }
.rise-form-step { display: none; }
.rise-form-step.is-active { display: block; animation: riseFormIn .35s ease; }
@keyframes riseFormIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.rise-step-heading { display: grid; grid-template-columns: 42px 1fr; gap: 18px; margin-bottom: 40px; }
.rise-step-heading > span { color: var(--rf-gold); font-size: .76rem; letter-spacing: .14em; padding-top: 9px; }
.rise-step-heading h3 { font-size: clamp(1.8rem, 3vw, 2.8rem); font-weight: 300; color: var(--rf-navy); line-height: 1.1; margin: 0 0 10px; letter-spacing: -.035em; }
.rise-step-heading p { margin: 0; color: var(--rf-muted); }
.rise-form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px 22px; }
.rise-field { display: flex; flex-direction: column; gap: 9px; color: var(--rf-navy); font-size: .82rem; font-weight: 600; letter-spacing: .01em; }
.rise-field--wide { grid-column: 1 / -1; }
.rise-field input, .rise-field select, .rise-field textarea { width: 100%; min-height: 53px; border: 1px solid var(--rf-line); border-radius: 0; background: #fff; padding: 13px 14px; color: #172b43; font-size: .94rem; font-weight: 400; outline: 0; transition: border-color .2s, box-shadow .2s; }
.rise-field textarea { min-height: 100px; resize: vertical; }
.rise-field input:focus, .rise-field select:focus, .rise-field textarea:focus { border-color: var(--rf-navy); box-shadow: 0 0 0 3px rgba(23,57,94,.08); }
.rise-field input.is-invalid, .rise-field select.is-invalid, .rise-field textarea.is-invalid { border-color: #b42318; box-shadow: 0 0 0 3px rgba(180,35,24,.08); }
.rise-field small, .rise-field-help { color: var(--rf-muted); font-weight: 400; font-size: .75rem; margin: 0; }
.rise-upload input { padding: 10px; background: #f7f8fa; }
.rise-price-preview { min-height: 120px; padding: 22px; background: var(--rf-navy); color: #fff; display: flex; flex-direction: column; justify-content: center; }
.rise-price-preview small { color: rgba(255,255,255,.65); font-size: .7rem; text-transform: uppercase; letter-spacing: .1em; }
.rise-price-preview strong { display: block; margin: 4px 0; color: var(--rf-gold); font-size: 1.35rem; font-weight: 500; }
.rise-price-preview p { color: rgba(255,255,255,.65); font-size: .72rem; margin: 0; }
.rise-downloads { display: flex; flex-wrap: wrap; gap: 12px 20px; align-items: center; padding: 18px 20px; margin-bottom: 28px; background: #f6f7f9; border-left: 3px solid var(--rf-gold); font-size: .78rem; }
.rise-downloads a { color: var(--rf-navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.rise-step-nav { display: flex; justify-content: space-between; gap: 15px; margin-top: 42px; padding-top: 26px; border-top: 1px solid var(--rf-line); }
.rise-step-next, .rise-form-submit, .rise-step-back, .rise-add-dependant, .rise-clear-signature, .rise-remove-dependent { border: 0; font-family: inherit; cursor: pointer; }
.rise-step-next, .rise-form-submit { min-height: 52px; padding: 0 25px; margin-left: auto; background: var(--rf-gold); color: var(--rf-deep); font-size: .73rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.rise-step-back { background: transparent; color: var(--rf-navy); text-decoration: underline; text-underline-offset: 4px; }
.rise-subheading { margin: 35px 0 20px; color: var(--rf-navy); font-size: 1rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; }
.rise-dependants-heading { display: flex; justify-content: space-between; align-items: center; gap: 18px; }
.rise-add-dependant { background: transparent; color: var(--rf-navy); font-size: .76rem; font-weight: 700; text-decoration: underline; text-underline-offset: 4px; }
.rise-dependent-card { margin: 0 0 20px; padding: 24px; background: #f7f8fa; border: 1px solid var(--rf-line); }
.rise-dependent-card__head { display: flex; justify-content: space-between; margin-bottom: 18px; color: var(--rf-navy); }
.rise-remove-dependent { background: transparent; color: #a33; font-size: .75rem; text-decoration: underline; }
.rise-conditional, .rise-claim-conditional { display: none; }
.rise-conditional.is-visible, .rise-claim-conditional.is-visible { display: flex; }
.rise-signature-wrap { margin-top: 34px; }
.rise-signature-wrap > label { color: var(--rf-navy); font-size: .82rem; font-weight: 600; }
.rise-signature { display: block; width: 100%; height: 190px; margin: 10px 0; border: 1px dashed #9ba8b5; background: repeating-linear-gradient(0deg,#fff,#fff 31px,#eef1f4 32px); touch-action: none; }
.rise-clear-signature { padding: 7px 0; background: transparent; color: var(--rf-navy); font-size: .75rem; text-decoration: underline; }
.rise-declaration { margin-top: 34px; padding: 26px; background: #f6f7f9; border-left: 3px solid var(--rf-gold); }
.rise-declaration h4 { color: var(--rf-navy); margin: 0 0 12px; }
.rise-declaration p { color: var(--rf-muted); font-size: .83rem; line-height: 1.65; }
.rise-declaration label { display: flex; gap: 12px; align-items: flex-start; color: var(--rf-navy); font-size: .85rem; font-weight: 600; }
.rise-declaration input { margin-top: 4px; }
.rise-honeypot { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.rise-form-notice, .rise-inline-error { padding: 18px 22px; margin-bottom: 28px; border-left: 4px solid; font-family: 'Montserrat', Arial, sans-serif; }
.rise-form-notice--success { background: #edf8f0; border-color: #238636; color: #175b26; }
.rise-form-notice--error, .rise-inline-error { background: #fff0ee; border-color: #b42318; color: #7a1912; }

.rise-form-shell h2,
.rise-form-shell h3,
.rise-form-shell h4,
.rise-form-shell label,
.rise-form-shell .rise-field { color: var(--rf-navy); }

@media (max-width: 980px) {
  .rise-form-shell { grid-template-columns: 1fr; }
  .rise-form-intro { position: static; }
}
@media (max-width: 680px) {
  .rise-form-progress { overflow-x: auto; grid-template-columns: repeat(4, minmax(105px, 1fr)); }
  .rise-progress-item { min-height: 72px; padding: 13px 12px; }
  .rise-progress-item small { display: none; }
  .rise-application-form { padding: 28px 20px; }
  .rise-form-grid { grid-template-columns: 1fr; }
  .rise-field--wide { grid-column: 1; }
  .rise-step-heading { grid-template-columns: 30px 1fr; }
  .rise-step-nav { align-items: stretch; }
  .rise-step-next, .rise-form-submit { padding: 0 16px; }
  .rise-signature { height: 160px; }
}