.umb-apply-wrap{max-width:1100px;margin:0 auto}
.umb-apply-card{background:#fff;border:1px solid #e6e6e6;border-radius:10px;padding:28px 28px 22px;position:relative}
.umb-apply-title{text-align:center;margin:0 0 8px;font-size:34px;font-weight:600;color:#b99a55;letter-spacing:.3px}
.umb-apply-sub{text-align:center;margin:0 0 18px;color:#666;font-size:13px;line-height:1.55}
.umb-apply-rule{border-top:1px solid #e6e6e6;margin:18px 0 22px}
.umb-apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px}
.umb-field label{display:block;font-size:13px;color:#444;margin:0 0 8px}
.umb-field .req{color:#d11;margin-left:2px}
.umb-field input,.umb-field select{width:100%;height:44px;border:1px solid #e8e8e8;background:#f2f2f2;border-radius:2px;padding:10px 12px;outline:none;font-size:14px;box-sizing:border-box}
.umb-field input:focus,.umb-field select:focus{border-color:#b99a55;background:#fafafa}
.umb-full{grid-column:1/-1}
.umb-terms{margin-top:14px;display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#444}
.umb-terms input{margin-top:3px}
.umb-actions{display:flex;justify-content:center;margin-top:18px}
.umb-actions button{background:#b99a55;border:0;color:#fff;height:46px;min-width:160px;padding:0 26px;font-size:14px;border-radius:2px;cursor:pointer}
.umb-actions button:hover{filter:brightness(.95)}
.umb-success{background:#e7f7ed;border:1px solid #bfe7cc;color:#1f6b3a;padding:10px 12px;border-radius:8px;margin:0 0 14px;font-size:14px}
.umb-fee-box{background:#faf7ef;border:1px solid #eadfbf;padding:12px 14px;border-radius:8px;margin:10px 0 0;font-size:14px;color:#533f11}

.umb-popup-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.6);z-index:99998;align-items:center;justify-content:center;padding:20px}
.umb-popup-overlay.umb-open{display:flex}
.umb-popup-box{width:min(980px,100%);max-height:90vh;overflow:auto;background:#fff;border-radius:14px;position:relative;box-shadow:0 20px 60px rgba(0,0,0,.25)}
.umb-popup-close{position:absolute;right:14px;top:10px;border:0;background:transparent;font-size:28px;line-height:1;cursor:pointer;z-index:5}

@media(max-width:900px){
  .umb-apply-grid{grid-template-columns:1fr}
}