.hoh-credit-app{--hoh-ink:#17191b;--hoh-muted:#687078;--hoh-line:#e3e6e8;--hoh-soft:#f6f7f7;--hoh-accent:#1e5f86;--hoh-accent-dark:#154660;--hoh-white:#fff;font-family:inherit;color:var(--hoh-ink);background:#fff;padding:32px 16px 72px}.hoh-credit-app *{box-sizing:border-box}.hoh-app-shell{max-width:1080px;margin:0 auto}.hoh-app-hero{background:linear-gradient(135deg,#151719 0%,#2a2e31 100%);color:#fff;border-radius:22px;padding:42px 44px;margin-bottom:24px;box-shadow:0 16px 38px rgba(0,0,0,.12)}.hoh-eyebrow{display:inline-block;font-size:12px;letter-spacing:.16em;font-weight:700;opacity:.72;margin-bottom:12px}.hoh-app-hero h1{font-size:clamp(30px,4vw,48px);line-height:1.08;margin:0 0 14px;font-weight:700;letter-spacing:-.035em}.hoh-app-hero>p{max-width:760px;font-size:17px;line-height:1.65;margin:0;color:rgba(255,255,255,.78)}.hoh-hero-meta{display:flex;flex-wrap:wrap;gap:12px 24px;margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15);font-size:14px}.hoh-hero-meta a{color:#fff;text-decoration:none}.hoh-alert{padding:16px 18px;border-radius:12px;margin:0 0 20px;border:1px solid}.hoh-alert-success{background:#edf8f2;border-color:#b9dfc9;color:#205c39}.hoh-alert-error{background:#fff0f0;border-color:#f0bcbc;color:#8b2929}.hoh-form{display:grid;gap:18px}.hoh-card{background:#fff;border:1px solid var(--hoh-line);border-radius:18px;padding:28px;box-shadow:0 5px 18px rgba(24,30,34,.04)}.hoh-section-head{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px}.hoh-section-number{flex:0 0 34px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--hoh-ink);color:#fff;font-size:13px;font-weight:700}.hoh-section-head h2{font-size:22px;line-height:1.25;margin:3px 0 3px;font-weight:700;letter-spacing:-.015em}.hoh-section-head p,.hoh-section-note{margin:5px 0 0;color:var(--hoh-muted);font-size:14px;line-height:1.55}.hoh-type-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.hoh-choice-card{position:relative;display:block;cursor:pointer}.hoh-choice-card input{position:absolute;opacity:0;pointer-events:none}.hoh-choice-content{display:block;border:1.5px solid var(--hoh-line);border-radius:15px;padding:20px;transition:.2s ease;background:#fff}.hoh-choice-title{display:block;font-size:18px;font-weight:700;margin-bottom:4px}.hoh-choice-text{display:block;color:var(--hoh-muted);font-size:14px}.hoh-choice-card input:checked+.hoh-choice-content{border-color:var(--hoh-accent);box-shadow:0 0 0 3px rgba(30,95,134,.11);background:#f9fcfe}.hoh-form-body{display:grid;gap:18px}.hoh-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.hoh-grid-tight{max-width:520px}.hoh-field{min-width:0}.hoh-field label{display:block;font-size:13px;font-weight:650;margin-bottom:7px;color:#303438}.hoh-required{color:#b3261e;margin-left:2px}.hoh-field input,.hoh-field select,.hoh-field textarea{width:100%;min-height:48px;border:1px solid #ccd2d5;border-radius:10px;background:#fff;color:#1c1f21;padding:11px 13px;font:inherit;font-size:15px;outline:none;transition:border-color .15s,box-shadow .15s}.hoh-field textarea{min-height:100px;resize:vertical}.hoh-field input:focus,.hoh-field select:focus,.hoh-field textarea:focus{border-color:var(--hoh-accent);box-shadow:0 0 0 3px rgba(30,95,134,.1)}.hoh-inline-check{display:flex;align-items:flex-start;gap:10px;margin-top:18px;font-size:14px;line-height:1.5;color:#3d4347}.hoh-inline-check input{margin-top:3px;accent-color:var(--hoh-accent)}.hoh-subsection{margin-top:26px;padding-top:24px;border-top:1px solid var(--hoh-line)}.hoh-subsection h3,.hoh-reference-block h3{font-size:15px;margin:0 0 15px}.hoh-question-block{background:var(--hoh-soft);border-radius:13px;padding:18px}.hoh-question{font-size:15px;font-weight:700;margin:0 0 12px}.hoh-inline-options{display:flex;flex-wrap:wrap;gap:10px 24px}.hoh-inline-options label{display:flex;align-items:center;gap:8px;font-size:14px}.hoh-inline-options input{accent-color:var(--hoh-accent)}.hoh-credit-only{margin-top:18px}.hoh-reference-block{padding:20px 0;border-top:1px solid var(--hoh-line)}.hoh-reference-block:first-of-type{border-top:0;padding-top:0}.hoh-terms-box{background:var(--hoh-soft);border-radius:13px;padding:18px 20px;font-size:13.5px;line-height:1.65;color:#42484c}.hoh-terms-box p{margin:0 0 10px}.hoh-terms-box p:last-child{margin-bottom:0}.hoh-consent-check{padding:14px 16px;border:1px solid var(--hoh-line);border-radius:12px;background:#fff}.hoh-submit-row{display:flex;gap:24px;justify-content:space-between;align-items:center;padding:10px 4px 0}.hoh-submit-note{font-size:13px;color:var(--hoh-muted);max-width:600px;line-height:1.55}.hoh-submit{appearance:none;border:0;border-radius:11px;background:var(--hoh-ink);color:#fff;padding:15px 24px;font:inherit;font-size:15px;font-weight:700;cursor:pointer;transition:.2s ease;white-space:nowrap}.hoh-submit:hover{background:var(--hoh-accent-dark);transform:translateY(-1px)}.hoh-submit:focus{outline:3px solid rgba(30,95,134,.24);outline-offset:2px}.hoh-hp{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.hoh-is-hidden{display:none!important}.hoh-field-error input,.hoh-field-error select,.hoh-field-error textarea{border-color:#b3261e!important;box-shadow:0 0 0 2px rgba(179,38,30,.08)!important}.hoh-error-text{display:block;margin-top:5px;color:#a42620;font-size:12px}.hoh-form-error-summary{padding:13px 15px;border-radius:10px;background:#fff0f0;border:1px solid #efc1c1;color:#8a2525;margin-bottom:16px;font-size:14px}.hoh-credit-app [hidden]{display:none!important}@media(max-width:760px){.hoh-credit-app{padding:18px 10px 48px}.hoh-app-hero{padding:30px 22px;border-radius:17px}.hoh-card{padding:21px 17px;border-radius:15px}.hoh-grid,.hoh-type-grid{grid-template-columns:1fr}.hoh-submit-row{align-items:stretch;flex-direction:column}.hoh-submit{width:100%}.hoh-hero-meta{display:grid;gap:8px}.hoh-section-head h2{font-size:20px}}