:root{--hts-primary-navy:#0d2152;--hts-action-blue:#00b8eb;--hts-body-text:#4a4a4a;--hts-light-bg:#f1f4f9;--hts-border:#d1d5db;--hts-error:#dc2626;--hts-success:#16a34a;--hts-warning:#d97706;--hts-font-family:"Inter", -apple-system, BlinkMacSystemFont, sans-serif}*,:before,:after{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--hts-font-family);color:var(--hts-body-text);background:var(--hts-light-bg);-webkit-font-smoothing:antialiased;line-height:1.6}.app-container{flex-direction:column;min-height:100vh;display:flex}.app-header{background:var(--hts-primary-navy);align-items:center;gap:16px;padding:16px 24px;display:flex}.app-header img{height:36px}.app-header h1{color:#fff;font-size:18px;font-weight:600}.app-main{flex:1;width:100%;max-width:720px;margin:0 auto;padding:32px 16px}.app-footer{text-align:center;color:#9ca3af;padding:24px;font-size:12px}.app-footer a{color:var(--hts-action-blue);text-decoration:none}.card{background:#fff;border-radius:12px;margin-bottom:24px;padding:32px;box-shadow:0 1px 3px #00000014}.step-indicator{align-items:baseline;gap:8px;margin-bottom:8px;display:flex}.step-indicator-label{color:var(--hts-action-blue);text-transform:uppercase;letter-spacing:.05em;font-size:12px;font-weight:600}.step-indicator-title{color:#6b7280;font-size:14px;font-weight:500}.stepper{gap:4px;margin-bottom:32px;display:flex}.stepper-step{background:var(--hts-border);border-radius:2px;flex:1;height:4px;transition:background .3s}.stepper-step.active{background:var(--hts-action-blue)}.stepper-step.completed{background:var(--hts-success)}.step-header{margin-bottom:24px}.step-header h2{color:var(--hts-primary-navy);margin-bottom:4px;font-size:22px;font-weight:700}.step-header p{color:#6b7280;font-size:14px}.form-group{margin-bottom:16px}.form-group label{color:var(--hts-primary-navy);margin-bottom:4px;font-size:13px;font-weight:600;display:block}.form-group label .required{color:var(--hts-error);margin-left:2px}.form-group input,.form-group select,.form-group textarea{border:1px solid var(--hts-border);width:100%;font-size:14px;font-family:var(--hts-font-family);color:var(--hts-body-text);border-radius:8px;padding:10px 12px;transition:border-color .2s}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--hts-action-blue);outline:none;box-shadow:0 0 0 3px #00b8eb26}.form-group .error-text{color:var(--hts-error);margin-top:4px;font-size:12px}.form-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}.form-row-3{grid-template-columns:1fr 1fr 1fr;gap:16px;display:grid}.field-hint{color:#9ca3af;margin-top:2px;margin-bottom:6px;font-size:12px;line-height:1.4}.error-text{color:var(--hts-error);margin-top:4px;font-size:12px}.file-upload{border:2px dashed var(--hts-border);text-align:center;cursor:pointer;border-radius:8px;padding:24px;transition:border-color .2s,background .2s}.file-upload:hover{border-color:var(--hts-action-blue);background:#00b8eb0a}.file-upload.has-file{border-color:var(--hts-success);background:#16a34a0a}.file-upload.dragging{border-color:var(--hts-action-blue);background:#00b8eb14;box-shadow:0 0 0 3px #00b8eb26}.file-upload.has-error{border-color:var(--hts-error);background:#dc26260a}.file-upload input{display:none}.file-upload p{color:#6b7280;margin:0;font-size:14px}.file-upload .file-name{color:var(--hts-primary-navy);font-weight:600}.file-upload-content{flex-direction:column;align-items:center;gap:8px;display:flex}.file-upload-icon{font-size:28px;line-height:1}.file-upload-icon-success{color:var(--hts-success)}.file-meta{color:#9ca3af;font-size:12px}.file-action{color:var(--hts-action-blue);margin-top:2px;font-size:12px;font-weight:500}.skill-grid{grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:8px;display:grid}.skill-chip{border:1px solid var(--hts-border);cursor:pointer;-webkit-user-select:none;user-select:none;border-radius:8px;align-items:center;gap:8px;padding:8px 12px;font-size:13px;transition:all .2s;display:flex}.skill-chip:hover{border-color:var(--hts-action-blue)}.skill-chip.selected{border-color:var(--hts-action-blue);color:var(--hts-primary-navy);background:#00b8eb14;font-weight:500}.skill-chip input{width:auto;accent-color:var(--hts-action-blue);flex-shrink:0}.btn{font-size:14px;font-weight:600;font-family:var(--hts-font-family);cursor:pointer;border:none;border-radius:8px;justify-content:center;align-items:center;gap:8px;padding:10px 24px;transition:all .2s;display:inline-flex}.btn:disabled{opacity:.5;cursor:not-allowed}.btn-primary{background:var(--hts-action-blue);color:#fff}.btn-primary:hover:not(:disabled){background:#009fd0}.btn-secondary{color:var(--hts-body-text);border:1px solid var(--hts-border);background:0 0}.btn-secondary:hover:not(:disabled){background:var(--hts-light-bg)}.step-actions{border-top:1px solid #e5e7eb;justify-content:space-between;margin-top:32px;padding-top:24px;display:flex}.license-row{grid-template-columns:1fr 1fr 80px 140px 40px;align-items:end;gap:8px;margin-bottom:8px;display:grid}.license-row input,.license-row select{border:1px solid var(--hts-border);font-size:13px;font-family:var(--hts-font-family);border-radius:6px;padding:8px 10px}.license-row input:focus,.license-row select:focus{border-color:var(--hts-action-blue);outline:none}.btn-icon{border:1px solid var(--hts-border);cursor:pointer;width:36px;height:36px;color:var(--hts-error);background:0 0;border-radius:6px;justify-content:center;align-items:center;font-size:18px;display:flex}.btn-icon:hover{background:#dc26260d}.review-section{margin-bottom:24px}.review-section h3{color:var(--hts-primary-navy);border-bottom:1px solid #e5e7eb;margin-bottom:12px;padding-bottom:8px;font-size:16px;font-weight:600}.review-grid{grid-template-columns:160px 1fr;gap:8px 16px;font-size:14px;display:grid}.review-label{color:#6b7280;font-weight:500}.review-value{color:var(--hts-primary-navy)}.review-chips{flex-wrap:wrap;gap:6px;display:flex}.review-chip{background:var(--hts-light-bg);color:var(--hts-primary-navy);border-radius:12px;padding:2px 10px;font-size:12px;font-weight:500}.agreement-label{cursor:pointer;align-items:flex-start;gap:10px;font-size:13px;line-height:1.5;display:flex}.agreement-label input{accent-color:var(--hts-action-blue);margin-top:4px}.status-card{text-align:center;padding:48px 32px}.status-badge{border-radius:20px;margin:16px 0;padding:6px 16px;font-size:14px;font-weight:600;display:inline-block}.status-badge.submitted{color:#1d4ed8;background:#dbeafe}.status-badge.docusign_sent{color:#7c3aed;background:#ede9fe}.status-badge.docusign_sub_signed{color:#d97706;background:#fef3c7}.status-badge.docusign_signed,.status-badge.under_review{color:#059669;background:#d1fae5}.status-badge.approved{color:#16a34a;background:#dcfce7}.status-badge.rejected{color:#dc2626;background:#fee2e2}.alert{border-radius:8px;margin-bottom:16px;padding:12px 16px;font-size:14px}.alert-error{color:#dc2626;background:#fee2e2;border:1px solid #fecaca}.alert-success{color:#16a34a;background:#dcfce7;border:1px solid #bbf7d0}.spinner{border:2px solid #fff;border-right-color:#0000;border-radius:50%;width:20px;height:20px;animation:.6s linear infinite spin;display:inline-block}@keyframes spin{to{transform:rotate(360deg)}}.landing-hero h2{color:var(--hts-primary-navy);margin-bottom:12px;font-size:26px;font-weight:700}.landing-hero p{color:var(--hts-body-text);font-size:15px;line-height:1.7}.section-title{color:var(--hts-primary-navy);margin-bottom:4px;font-size:18px;font-weight:700}.section-subtitle{color:#6b7280;margin-bottom:16px;font-size:14px}.checklist{padding:0;list-style:none}.checklist li{border-bottom:1px solid #f3f4f6;align-items:flex-start;gap:12px;padding:10px 0;font-size:14px;line-height:1.5;display:flex}.checklist li:last-child{border-bottom:none}.check-icon{width:22px;height:22px;color:var(--hts-action-blue);background:#00b8eb1a;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;margin-top:1px;font-size:12px;font-weight:700;display:flex}.insurance-table-wrapper{margin-bottom:16px;overflow-x:auto}.insurance-table{border-collapse:collapse;width:100%;font-size:13px}.insurance-table th{text-align:left;background:var(--hts-primary-navy);color:#fff;text-transform:uppercase;letter-spacing:.05em;padding:10px 12px;font-size:12px;font-weight:600}.insurance-table th:first-child{border-radius:6px 0 0}.insurance-table th:last-child{text-align:right;border-radius:0 6px 0 0}.insurance-table td{color:var(--hts-body-text);border-bottom:1px solid #f3f4f6;padding:10px 12px}.insurance-table td:last-child{text-align:right;color:var(--hts-primary-navy);white-space:nowrap;font-weight:600}.insurance-table tbody tr:last-child td{border-bottom:none}.info-callout{background:var(--hts-light-bg);border-left:3px solid var(--hts-action-blue);border-radius:0 8px 8px 0;padding:16px 20px;font-size:13px;line-height:1.6}.info-callout ul{margin:8px 0 0 18px;padding:0}.info-callout li{margin-bottom:4px}.verify-section .section-title{font-size:20px}.verify-form{max-width:400px}.verify-code-input{text-align:center;letter-spacing:.3em;padding:14px 12px!important;font-family:Courier New,Courier,monospace!important;font-size:28px!important;font-weight:700!important}.resend-link{color:#6b7280;margin-top:12px;font-size:13px}.link-btn{color:var(--hts-action-blue);cursor:pointer;font-size:13px;font-family:var(--hts-font-family);background:0 0;border:none;padding:0;text-decoration:underline}.link-btn:hover{color:#009fd0}.link-btn:disabled{opacity:.5;cursor:not-allowed}.check-diagram{background:var(--hts-light-bg);border:1px solid var(--hts-border);border-radius:10px;margin-bottom:20px;padding:20px}.check-diagram-inner{flex-wrap:wrap;justify-content:center;gap:16px;display:flex}.check-diagram-label{flex-direction:column;align-items:center;gap:4px;display:flex}.check-diagram-box{border:1px solid var(--hts-border);background:#fff;border-radius:6px;padding:6px 12px;font-family:Courier New,Courier,monospace;font-size:14px;font-weight:600;display:inline-block}.check-diagram-box.routing{color:var(--hts-action-blue);border-color:var(--hts-action-blue)}.check-diagram-box.account{color:var(--hts-success);border-color:var(--hts-success)}.check-diagram-box.check-num{color:#9ca3af;border-color:#d1d5db}.check-diagram-desc{color:#6b7280;text-align:center;font-size:11px}.check-diagram-caption{text-align:center;color:#9ca3af;margin-top:12px;font-size:12px}.btn-submit{padding:14px 32px;font-size:16px}@media (width<=640px){.form-row,.form-row-3{grid-template-columns:1fr}.license-row{grid-template-columns:1fr 1fr}.card{padding:20px}.app-main{padding:16px 12px}.review-grid{grid-template-columns:1fr}.review-label{color:var(--hts-primary-navy);font-weight:600}.check-diagram-inner{flex-direction:column;align-items:center}.step-indicator{flex-direction:column;gap:2px}}