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#ffffff0f;flex-direction:column;align-items:center}.credit-process__step:last-child{border-right:none}.credit-process__step:not(:last-child):before{display:none}.credit-process__num{margin-bottom:10px}.credit-process__step-desc{font-size:11px}}.credit-process__step{gap:var(--space-4);display:flex;position:relative}@media (width<=1099px){.credit-process__step{padding-bottom:var(--space-5)}.credit-process__step:not(:last-child):before{content:"";background:linear-gradient(#f0702080,#ffffff0d);width:2px;position:absolute;top:42px;bottom:0;left:17px}}.credit-process__num{width:36px;height:36px;color:var(--c0);background:linear-gradient(135deg, var(--orange), #ea580c);border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;font-size:15px;font-weight:900;display:flex;box-shadow:0 4px 18px #f0702047}.credit-process__step-body{flex:1;min-width:0;padding-top:2px}.credit-process__step-title{color:var(--white);margin:0 0 4px;font-size:15px;font-weight:800}.credit-process__step-desc{color:var(--g1);margin:0;font-size:12px;line-height:1.5}.credit-layout{gap:clamp(var(--space-6), 3vw, var(--space-8));align-items:start;display:grid}@media (width>=1024px){.credit-layout{gap:var(--space-8);grid-template-columns:minmax(0,1.14fr) minmax(300px,.86fr)}.credit-aside{top:calc(var(--nav-h) + var(--space-4));position:sticky}}.credit-form-card{border-top:4px solid var(--orange);padding:clamp(20px,4vw,28px) clamp(18px,3.5vw,26px)}.credit-form-card__head{justify-content:space-between;align-items:flex-start;gap:var(--space-4);margin-bottom:var(--space-6);padding-bottom:var(--space-5);border-bottom:1px solid var(--border);flex-wrap:wrap;display:flex}.credit-form-card__title{color:var(--white);letter-spacing:-.02em;margin:0 0 6px;font-size:clamp(1.2rem,2.6vw,1.45rem);font-weight:900}.credit-form-card__intro{color:var(--g1);max-width:36rem;margin:0;font-size:14px;line-height:1.55}.credit-form-card__pill{letter-spacing:.04em;color:var(--c0);background:linear-gradient(135deg, var(--gold), var(--gold2));border:1px solid #f5b80059;border-radius:999px;flex-shrink:0;padding:8px 14px;font-size:12px;font-weight:800}.credit-panel{margin-bottom:var(--space-5);padding:var(--space-5);border-radius:var(--r2);background:#ffffff08;border:1px solid #ffffff0f}.credit-panel--refi{background:linear-gradient(135deg,#f0702014 0%,#ffffff05 100%);border-color:#f0702047}.credit-panel--soft{background:#ffffff05;border-style:dashed;border-color:#94a3b833}.credit-panel__head{margin-bottom:var(--space-4);align-items:flex-start;gap:12px;display:flex}.credit-panel__badge{width:32px;height:32px;color:var(--orange);background:#f070201f;border:1px solid #f0702040;border-radius:10px;flex-shrink:0;justify-content:center;align-items:center;font-size:14px;font-weight:900;display:flex}.credit-panel__head-text{flex:1;min-width:0}.credit-panel__title{color:var(--white);margin:0 0 4px;font-size:15px;font-weight:800}.credit-panel__hint{color:var(--g1);margin:0;font-size:12px;line-height:1.45}.credit-fl{letter-spacing:.06em;text-transform:uppercase;color:var(--g1);font-size:11px;font-weight:800}.credit-form-grid--tight{gap:14px}.credit-obj-grid{gap:var(--space-3);grid-template-columns:1fr;display:grid}@media (width>=560px){.credit-obj-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}.credit-obj-tile{min-height:112px;padding:var(--space-4);border:1.5px solid var(--border);color:var(--g2);text-align:left;cursor:pointer;font-family:var(--font);background:#ffffff08;border-radius:14px;flex-direction:column;align-items:flex-start;gap:8px;transition:border-color .2s,background .2s,box-shadow .2s,transform .2s;display:flex}@media (prefers-reduced-motion:no-preference){.credit-obj-tile:hover{transform:translateY(-2px)}}.credit-obj-tile:hover{background:#ffffff0d;border-color:#f0702059}.credit-obj-tile:focus-visible{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px #f5b80038}.credit-obj-tile.is-active{border-color:var(--orange);background:#f070201f;box-shadow:0 4px 20px #f070201f}.credit-obj-tile__icon{width:44px;height:44px;color:var(--g1);background:#ffffff0a;border:1px solid #ffffff14;border-radius:12px;justify-content:center;align-items:center;margin-bottom:2px;display:flex}.credit-obj-tile.is-active .credit-obj-tile__icon{color:#fdba74;background:#f0702026;border-color:#f0702047}.credit-obj-icon-svg{flex-shrink:0;display:block}.credit-obj-tile__title{color:var(--white);font-size:14px;font-weight:800}.credit-obj-tile__desc{color:var(--g1);font-size:11px;line-height:1.45}.credit-vehicle-grid{gap:var(--space-3);grid-template-columns:1fr;display:grid}@media (width>=640px){.credit-vehicle-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}.credit-textarea{margin-bottom:var(--space-4)}.credit-pdpa--boxed{margin-bottom:var(--space-5);padding:var(--space-4);border-radius:var(--r);background:#f5b8000d;border:1px solid #f5b80026}.credit-pdpa__label{color:var(--white);cursor:pointer;font-weight:700}.credit-pdpa__hint{color:var(--g1);margin:4px 0 0;font-size:11px;line-height:1.45}.credit-submit{letter-spacing:.02em;background:linear-gradient(135deg, var(--orange), #ea580c);color:#fff;border:none;border-radius:14px;width:100%;min-height:52px;padding:14px 22px;font-size:16px;font-weight:800;transition:transform .2s,box-shadow .2s,filter .2s;box-shadow:0 8px 28px #f0702047}.credit-submit:hover{filter:brightness(1.06);box-shadow:0 10px 32px #f0702057}@media (prefers-reduced-motion:no-preference){.credit-submit:hover{transform:translateY(-1px)}}.credit-submit:focus-visible{outline:none;box-shadow:0 0 0 3px #f5b80059,0 8px 28px #f0702047}.credit-aside{gap:var(--space-4);flex-direction:column;display:flex}.credit-aside-card{border-top:3px solid #f5b800a6}.credit-aside-card__top{margin-bottom:var(--space-4);align-items:flex-start;gap:12px;display:flex}.credit-aside-card__icon{background:#f5b8001a;border:1px solid #f5b80038;border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;width:40px;height:40px;font-size:20px;display:flex}.credit-aside-card__title{color:var(--white);margin:0 0 4px;font-size:16px;font-weight:900}.credit-aside-card__lead{color:var(--g1);margin:0;font-size:12px;line-height:1.5}.credit-aside-card__sub{margin:var(--space-4) 0 var(--space-2);letter-spacing:.08em;text-transform:uppercase;color:var(--orange);font-size:11px;font-weight:800}.credit-doc-list{color:var(--g2);margin:0;padding-left:1.15rem;font-size:13px;line-height:1.55}.credit-doc-list li+li{margin-top:6px}.credit-details-box{border:1px solid var(--border);border-radius:var(--r2);background:#ffffff08;transition:border-color .2s;overflow:hidden}.credit-details-box:hover{border-color:#ffffff1a}.credit-details-box__summary{padding:var(--space-4);color:var(--g2);cursor:pointer;font-size:14px;font-weight:800;list-style:none}.credit-details-box__summary::-webkit-details-marker{display:none}.credit-details-box__summary:after{content:"▾";float:right;opacity:.55;transition:transform .2s}.credit-details-box[open] .credit-details-box__summary:after{transform:rotate(-180deg)}.credit-details-box__body{padding:0 var(--space-4) var(--space-4);color:var(--g1);border-top:1px solid var(--border);font-size:13px;line-height:1.6}.credit-details-box__body p{margin:0}.credit-quote-note{padding:var(--space-5);border-left:4px solid var(--gold);border-radius:0 var(--r2) var(--r2) 0}.credit-quote-note__tag{letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 6px;font-size:10px;font-weight:800}.credit-quote-note__text{color:var(--g2);margin:0;font-size:13px;line-height:1.55}.credit-panel .form-g{margin-top:0}.credit-form-card .form-g{grid-template-columns:1fr 1fr}@media (width<=1023px){.credit-form-card .form-g{grid-template-columns:1fr}}html[data-theme=light] .credit-hero{background:radial-gradient(100% 90% at 15% 0,#f070201a 0%,#0000 55%),radial-gradient(85% 65% at 100% 35%,#f5b8001f 0%,#0000 52%),linear-gradient(165deg,#fff7ed 0%,#f8fafc 100%);border-bottom-color:#94a3b859}html[data-theme=light] .credit-hero__title{color:#0f172a}html[data-theme=light] .credit-trust__item{background:#ffffffeb;border-color:#94a3b852}html[data-theme=light] .credit-trust__text strong{color:#0f172a}html[data-theme=light] .credit-trust__text{color:#475569}html[data-theme=light] .credit-process-card{background:linear-gradient(#fffffff2 0%,#f8fafc 100%);border-color:#94a3b840}html[data-theme=light] .credit-process__title,html[data-theme=light] .credit-process__step-title,html[data-theme=light] .credit-form-card__title,html[data-theme=light] .credit-panel__title,html[data-theme=light] .credit-aside-card__title{color:#0f172a}html[data-theme=light] .credit-process__step{border-right-color:#94a3b840}html[data-theme=light] .credit-panel{background:#f8fafce6;border-color:#94a3b847}html[data-theme=light] .credit-panel--refi{background:linear-gradient(135deg,#ffedd5a6 0%,#f8fafcf2 100%)}html[data-theme=light] .credit-panel--soft{background:#fff9}html[data-theme=light] .credit-obj-tile{background:#ffffffd9;border-color:#94a3b859}html[data-theme=light] .credit-obj-tile__title{color:#0f172a}html[data-theme=light] .credit-obj-tile__icon{color:#64748b;background:#f8fafcf2;border-color:#94a3b859}html[data-theme=light] .credit-obj-tile.is-active .credit-obj-tile__icon{color:#c2410c;background:#ffedd5f2;border-color:#ea580c59}html[data-theme=light] .credit-obj-tile.is-active{background:#ffedd5e6;border-color:#ea580c73}html[data-theme=light] .credit-pdpa__label{color:#0f172a}html[data-theme=light] .credit-details-box{background:#ffffffe6;border-color:#94a3b852}html[data-theme=light] .credit-quote-note{background:#fffbebf2;border-color:#f5b80066}