.ad-step {
    min-height: 100vh;
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(circle at 50% 16%, rgba(102, 140, 232, .40), transparent 24%),
        radial-gradient(circle at 14% 28%, rgba(77, 195, 125, .16), transparent 18%),
        radial-gradient(circle at 84% 24%, rgba(255, 255, 255, .18), transparent 16%),
        linear-gradient(180deg, #263b84 0%, #364b95 30%, #5c6dad 65%, #7e86be 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 6px 16px 18px;
}

.ad-step::before,
.ad-step::after {
    content: "";
    position: absolute;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    filter: blur(80px);
    pointer-events: none;
}

.ad-step::before {
    top: -120px;
    left: -90px;
    background: rgba(111, 165, 255, .22);
}

.ad-step::after {
    right: -120px;
    bottom: -110px;
    background: rgba(77, 195, 125, .18);
}

.ad-step__shell {
    width: min(100%, 920px);
    position: relative;
    z-index: 1;
}

.ad-step__shell--compact {
    width: min(100%, 700px);
}

.ap-doc-step3.ad-step .ad-step__shell,
.vf-flow.ad-step .ad-step__shell,
.ad-step .vf-grid {
    width: min(100%, 1020px);
}

.ad-step__card {
    background: linear-gradient(180deg, rgba(255,255,255,.97), rgba(250,251,255,.95));
    border: 1px solid rgba(227, 233, 247, .9);
    border-radius: 30px;
    box-shadow:
        0 36px 90px rgba(24, 39, 91, .28),
        inset 0 1px 0 rgba(255,255,255,.92);
    padding: 22px 22px 16px;
    position: relative;
    overflow: hidden;
}

.ad-step__card::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 50% 0%, rgba(124, 151, 227, .22), transparent 34%),
        linear-gradient(180deg, rgba(255,255,255,.24), transparent 40%);
    pointer-events: none;
}

.ad-step__brand {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: center;
    margin-bottom: 6px;
}

.ad-step__brand img {
    width: min(100%, 165px);
    height: auto;
    object-fit: contain;
    filter: drop-shadow(0 10px 20px rgba(48, 82, 145, .12));
}

.ad-step__headline {
    position: relative;
    z-index: 2;
    text-align: center;
    color: #253f7b;
    margin: 0 0 8px;
    font-size: clamp(1.55rem, 3.5vw, 2.55rem);
    line-height: 1.06;
    font-weight: 900;
}

.ad-step__subtitle {
    position: relative;
    z-index: 2;
    text-align: center;
    color: #4e6290;
    font-size: 1rem;
    line-height: 1.55;
    margin: 0 auto 16px;
    max-width: 560px;
    font-weight: 600;
}

.ad-step__panel {
    position: relative;
    z-index: 2;
    background: rgba(255,255,255,.88);
    border: 1px solid #e8ecf7;
    border-radius: 24px;
    box-shadow: 0 18px 40px rgba(51, 72, 130, .10);
    padding: 18px 18px 0;
}

.ad-step__sectionTitle {
    text-align: center;
    color: #253f7b;
    font-size: clamp(1.45rem, 3.1vw, 2rem);
    font-weight: 900;
    margin: 0 0 10px;
}

.ad-step__note {
    text-align: center;
    color: #50658f;
    line-height: 1.6;
    margin: 0 0 18px;
    font-size: 1rem;
    font-weight: 600;
}

.ad-step__summary {
    display: none;
}

.ad-step .ap-flow__header,
.ad-step .ap-flow__title,
.ad-step .ap-flow__subtitle {
    display: none;
}

.ad-step .ap-flow__grid {
    grid-template-columns: 1fr;
    margin-top: 0;
}

.ad-step .ap-flow__grid > :last-child {
    display: none;
}

.ad-step .ap-card--form {
    border-radius: 0;
    padding: 0;
    box-shadow: none;
    border: 0;
    background: transparent;
}

.ad-step .ap-card__title {
    margin: 0 0 14px;
    font-size: clamp(1.45rem, 3vw, 1.95rem);
    text-align: center;
    color: #253f7b;
}

.ad-step .ap-form {
    gap: 12px;
}

.ad-step .ap-input,
.ad-step select.ap-input,
.ad-step textarea.ap-input {
    min-height: 50px;
    border-radius: 16px;
    border: 1px solid #d8e0f1;
    background: #fff;
    box-shadow: inset 0 1px 0 rgba(255,255,255,.8);
}

.ad-step .ap-actions {
    justify-content: center;
}

.ad-step .ap-note {
    margin-top: 4px;
}

.ad-step .ap-alert {
    max-width: 640px;
    margin: 0 auto 14px;
}

.ad-step__timeline {
    margin-bottom: 10px;
}

.ap-doc-step3.ad-step .ad-step__panel,
.vf-flow.ad-step .ad-step__panel {
    padding-bottom: 18px;
}

.ap-doc-step3.ad-step .ap-doc-step3__subtitle,
.ap-doc-step3.ad-step .ap-doc-step3__brand,
.ap-doc-step3.ad-step .ap-doc-step3__hero {
    display: none;
}

.ap-doc-step3.ad-step .ad-step__subtitle:not(.ap-doc-step3__cleanSubtitle) {
    display: none;
}

.ap-doc-step3.ad-step .ap-doc-step3__form {
    margin-top: 2px;
}

.vf-flow.ad-step .vf-grid {
    margin-top: 0;
}

.vf-flow.ad-step .vf-card,
.vf-flow.ad-step .vf-preview {
    border-radius: 22px;
    box-shadow: 0 16px 36px rgba(51, 72, 130, .10);
}

.ap-bankFlow {
    display: grid;
    gap: 16px;
}

.ap-bankFlow__tabs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    max-width: 420px;
    margin: 0 auto 4px;
}

.ap-bankFlow__tab {
    min-height: 46px;
    border-radius: 14px;
    border: 1px solid #d7def1;
    background: linear-gradient(180deg, rgba(242, 246, 255, .95), rgba(232, 238, 250, .92));
    color: #566b94;
    font-size: 1rem;
    font-weight: 800;
}

.ap-bankFlow__tab--active {
    background: linear-gradient(180deg, #4a74d9 0%, #2d6fd7 100%);
    color: #fff;
    border-color: transparent;
    box-shadow: 0 14px 28px rgba(45, 111, 215, .22);
}

.ap-bankFlow__block {
    display: grid;
    gap: 14px;
}

.ap-bankFlow__block--center {
    text-align: center;
}

.ap-bankFlow__lead {
    margin: -4px auto 0;
    text-align: center;
    color: #53688f;
    line-height: 1.55;
    max-width: 560px;
    font-weight: 600;
}

.ap-bankFlow__brandRow {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    padding: 0 4px;
    color: #465f8f;
    font-weight: 800;
}

.ap-bankFlow__provider {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #394d75;
}

.ap-bankFlow__provider::before {
    content: "";
    width: 12px;
    height: 12px;
    border-radius: 4px;
    background: linear-gradient(180deg, #7a6cff, #5f56d8);
    box-shadow: 0 4px 10px rgba(95, 86, 216, .25);
}

.ap-bankFlow__entity {
    color: #5a6f97;
}

.ap-bankFlow__entity--accent {
    color: #c61b31;
    font-weight: 900;
}

.ap-bankList {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px;
}

.ap-bankList__item {
    display: grid;
    grid-template-columns: 58px 1fr;
    gap: 12px;
    align-items: center;
    min-height: 82px;
    padding: 12px 14px;
    border-radius: 18px;
    border: 1px solid #dbe3f5;
    background: linear-gradient(180deg, rgba(255,255,255,.98), rgba(245,248,255,.94));
    box-shadow: 0 10px 22px rgba(43, 74, 140, .08);
    text-align: left;
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.ap-bankList__item:hover {
    transform: translateY(-1px);
    box-shadow: 0 16px 28px rgba(43, 74, 140, .12);
}

.ap-bankList__item--active {
    border-color: #7fd49c;
    background: linear-gradient(180deg, rgba(239, 251, 244, .98), rgba(228, 248, 237, .94));
    box-shadow: 0 18px 34px rgba(64, 173, 113, .16);
}

.ap-bankList__logo {
    width: 58px;
    height: 58px;
    border-radius: 16px;
    display: grid;
    place-items: center;
    background: linear-gradient(180deg, #f7f9ff, #eef3ff);
    border: 1px solid #d9e2f5;
    color: #2954b7;
    font-weight: 900;
    font-size: .95rem;
}

.ap-bankList__logo--other {
    color: #7b86a8;
    font-size: 1.15rem;
}

.ap-bankList__name {
    color: #273f79;
    font-weight: 800;
    font-size: 1.06rem;
}

.ap-bankConsent {
    display: grid;
    gap: 12px;
    padding: 16px 18px;
    border: 1px solid #dbe3f5;
    border-radius: 20px;
    background: linear-gradient(180deg, rgba(248, 251, 255, .96), rgba(243, 247, 255, .92));
}

.ap-bankConsent__item {
    display: grid;
    grid-template-columns: 18px 1fr;
    gap: 12px;
    align-items: start;
    color: #33496f;
    line-height: 1.55;
    font-weight: 600;
}

.ap-bankConsent__item input {
    margin-top: 2px;
}

.ap-bankSecureNote {
    display: grid;
    grid-template-columns: 46px 1fr;
    gap: 14px;
    align-items: center;
    padding: 16px 18px;
    border-radius: 20px;
    border: 1px solid #dce7f8;
    background: linear-gradient(180deg, rgba(245, 251, 255, .98), rgba(237, 246, 255, .92));
}

.ap-bankSecureNote i {
    width: 46px;
    height: 46px;
    border-radius: 16px;
    display: grid;
    place-items: center;
    color: #52a85f;
    background: rgba(82, 168, 95, .13);
    font-size: 1.25rem;
}

.ap-bankSecureNote strong,
.ap-bankSecureNote span {
    display: block;
}

.ap-bankSecureNote strong {
    color: #253f7b;
    margin-bottom: 2px;
}

.ap-bankSecureNote span {
    color: #53688f;
    line-height: 1.5;
    font-weight: 600;
}

.ap-bankFlow__statusIcon {
    width: 74px;
    height: 74px;
    border-radius: 24px;
    display: grid;
    place-items: center;
    margin: 0 auto;
    font-size: 2rem;
}

.ap-bankFlow__statusIcon--ok {
    color: #4fb86a;
    background: rgba(79, 184, 106, .14);
}

.ap-bankFlow__statusIcon--warn {
    color: #e1a800;
    background: rgba(225, 168, 0, .14);
}

.ap-bankFlow__statusIcon--error {
    color: #e04c4c;
    background: rgba(224, 76, 76, .14);
}

.ap-bankSpinner {
    width: 110px;
    height: 110px;
    margin: 4px auto;
    position: relative;
}

.ap-bankSpinner span {
    position: absolute;
    top: 50%;
    left: 50%;
    width: 16px;
    height: 16px;
    margin: -8px;
    border-radius: 50%;
    background: #6676c8;
    opacity: .24;
    animation: ap-bank-spin 1.2s linear infinite;
}

.ap-bankSpinner span:nth-child(1) { transform: rotate(0deg) translateY(-40px); animation-delay: 0s; }
.ap-bankSpinner span:nth-child(2) { transform: rotate(60deg) translateY(-40px); animation-delay: .2s; }
.ap-bankSpinner span:nth-child(3) { transform: rotate(120deg) translateY(-40px); animation-delay: .4s; }
.ap-bankSpinner span:nth-child(4) { transform: rotate(180deg) translateY(-40px); animation-delay: .6s; }
.ap-bankSpinner span:nth-child(5) { transform: rotate(240deg) translateY(-40px); animation-delay: .8s; }
.ap-bankSpinner span:nth-child(6) { transform: rotate(300deg) translateY(-40px); animation-delay: 1s; }

@keyframes ap-bank-spin {
    0%, 100% { opacity: .2; transform-origin: center 40px; }
    50% { opacity: 1; }
}

.ap-bankFlow__processingText {
    text-align: center;
    color: #425b89;
    line-height: 1.6;
    font-size: 1.02rem;
    font-weight: 700;
    max-width: 430px;
    margin: 0 auto;
}

.ap-bankFailureAlert {
    display: grid;
    gap: 8px;
    padding: 16px 18px;
    border-radius: 18px;
    border: 1px solid #f3b2b2;
    background: linear-gradient(180deg, rgba(255, 241, 241, .98), rgba(255, 232, 232, .94));
    color: #b13636;
}

.ap-bankFailureAlert strong {
    font-size: 1.02rem;
}

.ap-bankFlow__bullets {
    margin: 0 auto;
    padding-left: 22px;
    max-width: 420px;
    color: #4e628e;
    line-height: 1.7;
    font-weight: 600;
}

@media (max-width: 768px) {
    .ad-step {
        padding: 4px 12px 16px;
    }

    .ad-step__card {
        padding: 18px 16px 14px;
        border-radius: 24px;
    }

    .ad-step__panel {
        padding: 16px 14px 0;
        border-radius: 20px;
    }

    .vf-flow.ad-step .vf-grid {
        width: 100%;
    }

    .ap-bankList {
        grid-template-columns: 1fr;
    }

    .ap-bankFlow__tabs {
        max-width: 100%;
    }
}