/* app.css — Beamlex design system (v2).
 * Professional, modern, mobile-first. Driven by CSS custom properties.
 * The active theme preset (light/dark) injects color + shadow tokens on :root
 * via the layout; structural tokens live here as statics. */

:root {
  --maxw: 1180px;
  --maxw-narrow: 680px;
  --maxw-wide: 1320px;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-display: 'Space Grotesk', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --sp-1: 4px; --sp-2: 8px; --sp-3: 12px; --sp-4: 16px; --sp-5: 24px; --sp-6: 32px; --sp-7: 48px; --sp-8: 64px;
  --radius-sm: 8px; --radius: 12px; --radius-lg: 16px; --radius-xl: 22px; --radius-full: 999px;
  --sidebar-w: 260px; --header-h: 68px; --topbar-h: 64px;
  --transition: .18s cubic-bezier(.4,0,.2,1);
  /* Color fallbacks (light) — overridden by theme injection when present. */
  --color-bg:#f6f8fb; --color-surface:#fff; --color-surface-2:#f1f5f9; --color-surface-3:#e7eef6;
  --color-text:#0f1f3d; --color-text-muted:#51607a; --color-text-subtle:#8290a6;
  --color-border:#e3e9f0; --color-border-strong:#cbd5e1;
  --color-primary:#0b5fff; --color-primary-hover:#0a4fd6; --color-primary-soft:#e6efff; --color-primary-contrast:#fff;
  --color-accent:#00c2a8; --color-accent-hover:#00ab97; --color-accent-soft:#d9fbf4;
  --color-success:#16a34a; --color-danger:#dc2626; --color-warn:#d97706; --color-info:#0891b2; --color-link:#0a4fd6;
  --color-ring:rgba(11,95,255,.32);
  --shadow-sm:0 1px 2px rgba(15,31,61,.06); --shadow:0 6px 16px rgba(15,31,61,.08);
  --shadow-lg:0 14px 34px rgba(15,31,61,.12); --shadow-xl:0 28px 64px rgba(15,31,61,.16);
  --gradient-primary:linear-gradient(135deg,#0b5fff 0%,#00c2a8 100%);
  --gradient-hero:radial-gradient(1200px 600px at 82% -12%,rgba(0,194,168,.16),transparent 60%),radial-gradient(900px 500px at -5% 0%,rgba(11,95,255,.12),transparent 55%);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
html, body { min-height: 100%; }
body {
  margin: 0; font-family: var(--font-sans); font-size: 16px; line-height: 1.6;
  color: var(--color-text); background: var(--color-bg);
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
}
a { color: var(--color-link); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-primary-hover); }
h1, h2, h3, h4 { line-height: 1.2; margin: 0 0 var(--sp-3); font-weight: 700; letter-spacing: -.01em; }
h1 { font-size: clamp(1.9rem, 1.2rem + 2.6vw, 3rem); }
h2 { font-size: clamp(1.5rem, 1.1rem + 1.4vw, 2.1rem); }
h3 { font-size: 1.2rem; } h4 { font-size: 1.05rem; }
p { margin: 0 0 var(--sp-3); }
img { max-width: 100%; height: auto; display: block; }
.icon { flex: none; vertical-align: middle; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 var(--sp-4); width: 100%; }
.container--narrow { max-width: var(--maxw-narrow); }
.container--wide { max-width: var(--maxw-wide); }
.site-main > .container { padding-top: var(--sp-6); }
.muted { color: var(--color-text-muted); }
.subtle { color: var(--color-text-subtle); }
.small { font-size: .875rem; }
.tiny { font-size: .8rem; }
.center { text-align: center; }
.right { text-align: right; }
.nowrap { white-space: nowrap; }
.tabular { font-variant-numeric: tabular-nums; }
.font-display { font-family: var(--font-display); }
.gradient-text { background: var(--gradient-primary); -webkit-background-clip: text; background-clip: text; color: transparent; }
.mt-1{margin-top:var(--sp-2)}.mt-2{margin-top:var(--sp-3)}.mt-3{margin-top:var(--sp-5)}.mt-4{margin-top:var(--sp-6)}
.mb-1{margin-bottom:var(--sp-2)}.mb-2{margin-bottom:var(--sp-3)}.mb-3{margin-bottom:var(--sp-5)}.mb-4{margin-bottom:var(--sp-6)}
.gap-1{gap:var(--sp-2)}.gap-2{gap:var(--sp-3)}.gap-3{gap:var(--sp-4)}
.hide { display: none !important; }
.sr-only { position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); border:0; }
.section { margin-top: var(--sp-7); }
.divider { border: none; border-top: 1px solid var(--color-border); margin: var(--sp-5) 0; }
/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--sp-2);
  padding: .625rem 1.15rem; border-radius: var(--radius); border: 1px solid transparent;
  font-family: inherit; font-size: .95rem; font-weight: 600; line-height: 1.2; cursor: pointer;
  text-decoration: none; white-space: nowrap; transition: background var(--transition), border-color var(--transition), color var(--transition), box-shadow var(--transition), transform var(--transition);
  min-height: 44px;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn .icon { width: 18px; height: 18px; }
.btn-primary { background: var(--color-primary); color: var(--color-primary-contrast); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--color-primary-hover); color: var(--color-primary-contrast); }
.btn-accent { background: var(--color-accent); color: #fff; }
.btn-accent:hover { background: var(--color-accent-hover); color: #fff; }
.btn-gradient { background: var(--gradient-primary); color: #fff; box-shadow: 0 8px 20px rgba(11,95,255,.28); }
.btn-gradient:hover { color: #fff; box-shadow: 0 12px 26px rgba(11,95,255,.34); }
.btn-outline { background: transparent; border-color: var(--color-border-strong); color: var(--color-text); }
.btn-outline:hover { border-color: var(--color-primary); color: var(--color-primary); background: var(--color-primary-soft); }
.btn-ghost { background: transparent; color: var(--color-text); }
.btn-ghost:hover { background: var(--color-surface-2); color: var(--color-text); }
.btn-link { background: transparent; color: var(--color-link); padding-inline: var(--sp-2); min-height: auto; }
.btn-link:hover { color: var(--color-primary-hover); transform: none; text-decoration: underline; }
.btn-danger { background: var(--color-danger); color: #fff; }
.btn-danger:hover { background: #b91c1c; color: #fff; }
.btn-success { background: var(--color-success); color: #fff; }
.btn-success:hover { background: #15803d; color: #fff; }
.btn-sm { padding: .4rem .8rem; font-size: .85rem; min-height: 36px; }
.btn-lg { padding: .8rem 1.5rem; font-size: 1.05rem; min-height: 52px; }
.btn-block { width: 100%; }
.btn.disabled, .btn[disabled] { opacity: .55; pointer-events: none; }
.btn-row { display: flex; gap: var(--sp-3); flex-wrap: wrap; }

/* Forms */
.form-group { margin-bottom: var(--sp-4); }
label, .label { display: block; font-weight: 600; margin-bottom: var(--sp-1); font-size: .9rem; color: var(--color-text); }
input[type=text], input[type=email], input[type=password], input[type=number], input[type=date], input[type=file], input[type=tel], input[type=url], input[type=search], select, textarea {
  width: 100%; padding: .7rem .85rem; border: 1px solid var(--color-border-strong); border-radius: var(--radius);
  font-family: inherit; font-size: 1rem; background: var(--color-surface); color: var(--color-text);
  transition: border-color var(--transition), box-shadow var(--transition); min-height: 44px;
}
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--color-primary); box-shadow: 0 0 0 4px var(--color-ring); }
input::placeholder, textarea::placeholder { color: var(--color-text-subtle); }
input[type=file] { padding: .5rem; }
input[type=search] { -webkit-appearance: none; appearance: none; }
input[type=search]::-webkit-search-cancel-button,
input[type=search]::-webkit-search-decoration { -webkit-appearance: none; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' viewBox='0 0 24 24' fill='none' stroke='%2351607a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right .7rem center; padding-right: 2.4rem; }

/* Native date-picker: sync the UA chrome (incl. the calendar icon) to the active
   theme so the icon stays visible on both light and dark. Author text/background
   colors are unaffected because they are set explicitly on the input above. */
input[type="date"] { color-scheme: light; }
[data-theme="dark"] input[type="date"] { color-scheme: dark; }
.form-hint { font-size: .82rem; color: var(--color-text-muted); margin-top: var(--sp-1); }
.error-text { font-size: .84rem; color: var(--color-danger); margin-top: var(--sp-1); }
.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-4); }
.field-inline { display: flex; align-items: center; gap: var(--sp-2); }
.checkbox { display: inline-flex; align-items: center; gap: var(--sp-2); cursor: pointer; }
.checkbox input { width: 18px; height: 18px; min-height: auto; accent-color: var(--color-primary); }

/* Alert / flash */
.alert { padding: var(--sp-3) var(--sp-4); border-radius: var(--radius); margin-bottom: var(--sp-4); background: var(--color-primary-soft); border: 1px solid color-mix(in srgb, var(--color-primary) 25%, transparent); color: var(--color-text); display: flex; gap: var(--sp-3); align-items: flex-start; }
.alert .icon { color: var(--color-primary); flex: none; margin-top: 2px; }
.alert--danger { background: color-mix(in srgb, var(--color-danger) 10%, transparent); border-color: color-mix(in srgb, var(--color-danger) 30%, transparent); }
.alert--danger .icon { color: var(--color-danger); }
.alert--success { background: color-mix(in srgb, var(--color-success) 12%, transparent); border-color: color-mix(in srgb, var(--color-success) 30%, transparent); }
.alert--success .icon { color: var(--color-success); }
/* Cards */
.card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm); transition: box-shadow var(--transition), transform var(--transition); min-width: 0; }
.card + .card { margin-top: var(--sp-4); }
.card--flat { box-shadow: none; }
.card--hover:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.card-title { font-size: 1.1rem; font-weight: 700; margin-bottom: var(--sp-4); display: flex; align-items: center; gap: var(--sp-3); flex-wrap: wrap; }
.card-title .icon { color: var(--color-primary); }
.card-section + .card-section { margin-top: var(--sp-5); padding-top: var(--sp-5); border-top: 1px solid var(--color-border); }

/* Grids */
.grid { display: grid; gap: var(--sp-4); }
.grid-2 { grid-template-columns: minmax(0, 1fr); }
.grid-3 { grid-template-columns: minmax(0, 1fr); }
.grid-4 { grid-template-columns: minmax(0, 1fr); }
.auto-grid { display: grid; gap: var(--sp-5); grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
/* Guard against intrinsic min-content leaks from nowrap/long values inside
   grid/flex recipients — the single most common source of mobile overflow. */
.grid > *, .auto-grid > * { min-width: 0; }
.grid > .card + .card,
.stat-cards > .card + .card,
.action-grid > .card + .card,
.auto-grid > .card + .card { margin-top: 0; }

/* Tables */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: .93rem; }
thead th { position: sticky; top: 0; background: var(--color-surface); }
th, td { padding: var(--sp-3) var(--sp-3); text-align: left; border-bottom: 1px solid var(--color-border); vertical-align: middle; }
th { font-weight: 600; color: var(--color-text-muted); font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; }
tbody tr { transition: background var(--transition); }
tbody tr:hover { background: var(--color-surface-2); }
/* Currency values are atomic: a symbol orphaned from its digits (or a
   thousands group split) is unreadable. `.table-wrap` already scrolls
   horizontally, so letting the column grow is the right trade-off. */
td.money, td .money { white-space: nowrap; }
td .money, .money { font-variant-numeric: tabular-nums; font-weight: 600; }
.table-link { color: var(--color-text); font-weight: 600; }
.table-link:hover { color: var(--color-primary); }

/* Badges */
.badge { display: inline-flex; align-items: center; gap: .35rem; padding: .22rem .65rem; border-radius: var(--radius-full); font-size: .76rem; font-weight: 700; line-height: 1.4; white-space: nowrap; }
.badge--neutral { background: var(--color-surface-2); color: var(--color-text-muted); }
.badge--warn { background: color-mix(in srgb, var(--color-warn) 16%, transparent); color: var(--color-warn); }
.badge--info { background: color-mix(in srgb, var(--color-info) 16%, transparent); color: var(--color-info); }
.badge--active { background: var(--color-primary-soft); color: var(--color-primary); }
.badge--success { background: color-mix(in srgb, var(--color-success) 16%, transparent); color: var(--color-success); }
.badge--danger { background: color-mix(in srgb, var(--color-danger) 16%, transparent); color: var(--color-danger); }
.badge--accent { background: var(--color-accent-soft); color: var(--color-accent-hover); }
/* Stat cards */
.stat-cards { display: grid; gap: var(--sp-4); grid-template-columns: 1fr; }
.stat-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm); }
.stat-card .stat-icon { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); margin-bottom: var(--sp-3); }
.stat-card .stat-icon.icon-accent { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.stat-card .stat-icon.icon-danger { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.stat-card .stat-icon.icon-warn { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.stat-value { font-family: var(--font-display); font-size: 1.7rem; font-weight: 700; color: var(--color-text); line-height: 1.1; }
.stat-label { color: var(--color-text-muted); font-size: .85rem; margin-top: var(--sp-1); }
.stat { text-align: left; }

/* Tabs */
.tabs { display: flex; gap: var(--sp-1); border-bottom: 1px solid var(--color-border); margin-bottom: var(--sp-5); overflow-x: auto; -webkit-overflow-scrolling: touch; }
.tabs a { padding: var(--sp-3) var(--sp-4); margin-bottom: -1px; border-bottom: 2px solid transparent; color: var(--color-text-muted); font-weight: 600; white-space: nowrap; transition: color var(--transition), border-color var(--transition); }
.tabs a:hover { text-decoration: none; color: var(--color-text); }
.tabs a.active { border-bottom-color: var(--color-primary); color: var(--color-primary); }

/* Timeline */
.timeline { list-style: none; margin: 0; padding: 0; }
.timeline li { position: relative; padding: 0 0 var(--sp-5) var(--sp-5); border-left: 2px solid var(--color-border); margin-left: var(--sp-1); }
.timeline li:last-child { padding-bottom: 0; border-left-color: transparent; }
.timeline li::before { content: ""; position: absolute; left: -7px; top: 3px; width: 12px; height: 12px; border-radius: 50%; background: var(--color-surface); border: 2px solid var(--color-primary); }
.timeline li.is-current::before { background: var(--color-primary); }

/* Funnel */
.funnel-row { display: grid; grid-template-columns: 1fr; gap: var(--sp-2); align-items: center; margin-bottom: var(--sp-3); }
.funnel-label { display: flex; justify-content: space-between; font-size: .85rem; }
.funnel-track { height: 10px; border-radius: var(--radius-full); background: var(--color-surface-2); overflow: hidden; }
.funnel-bar { height: 100%; border-radius: var(--radius-full); background: var(--gradient-primary); transition: width var(--transition); }

/* Empty state */
.empty { text-align: center; padding: var(--sp-7) var(--sp-4); color: var(--color-text-muted); }
.empty .empty-icon { display: inline-grid; place-items: center; width: 56px; height: 56px; border-radius: var(--radius-lg); background: var(--color-surface-2); color: var(--color-text-subtle); margin-bottom: var(--sp-3); }
.empty p { margin: 0; }

/* Section heading */
.section-head { text-align: center; max-width: 640px; margin: 0 auto var(--sp-6); }
.section-head .eyebrow { color: var(--color-accent-hover); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: var(--sp-2); }
.section-head h2 { margin-bottom: var(--sp-2); }
.section-head p { color: var(--color-text-muted); margin: 0; }
/* ===== Marketing site ===== */
.site-header { position: sticky; top: 0; z-index: 50; background: color-mix(in srgb, var(--color-surface) 88%, transparent); backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--color-border); }
.header-inner { display: grid; grid-template-columns: minmax(0,1fr) auto minmax(0,1fr); align-items: center; gap: var(--sp-4); height: var(--header-h); }
.header-inner > .brand { grid-column: 1; justify-self: start; min-width: 0; }
.brand { display: inline-flex; align-items: center; gap: var(--sp-2); font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; color: var(--color-text); }
.brand-mark { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: 11px; background: var(--gradient-primary); color: #fff; font-weight: 800; box-shadow: var(--shadow-sm); }
.brand-logo { height: 36px; width: auto; }
.brand-name { letter-spacing: -.01em; }
.site-nav { display: none; gap: var(--sp-1); align-items: center; justify-self: center; grid-column: 2; }
.site-nav .nav-group { position: relative; }
.nav-drop-toggle { display: inline-flex; align-items: center; gap: .3rem; font: inherit; font-weight: 500; color: var(--color-text-muted); padding: var(--sp-2) var(--sp-3); border: 0; background: transparent; border-radius: var(--radius); cursor: pointer; transition: color var(--transition), background var(--transition); }
.nav-drop-toggle:hover, .nav-drop-toggle:focus-visible { color: var(--color-text); background: var(--color-surface-2); }
.nav-drop-toggle:focus-visible { outline: none; box-shadow: 0 0 0 3px var(--color-ring); }
.nav-caret { display: inline-flex; color: var(--color-text-muted); }
.nav-caret .icon { transition: transform var(--transition); }
.nav-group.open .nav-drop-toggle { color: var(--color-text); }
.nav-group.open .nav-caret .icon { transform: rotate(180deg); }
.nav-drop-menu { position: absolute; top: calc(100% + 8px); left: 0; min-width: 190px; box-sizing: border-box; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: var(--sp-1); z-index: 60; display: none; }
.nav-group.open .nav-drop-menu { display: block; }
.nav-drop-menu a { display: block; color: var(--color-text); font-weight: 500; padding: var(--sp-2) var(--sp-3); border-radius: var(--radius); white-space: nowrap; transition: color var(--transition), background var(--transition); }
.nav-drop-menu a:hover { color: var(--color-text); background: var(--color-surface-2); text-decoration: none; }
.site-actions { display: flex; gap: var(--sp-2); align-items: center; justify-self: end; grid-column: 3; min-width: 0; }
/* Compact header actions on small screens: flag-only language switcher + shrink
   the brand so the sticky header never forces horizontal overflow. */
@media (max-width: 700px) {
  .header-inner { gap: var(--sp-2); }
  .header-inner > .brand .brand-name { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; max-width: 42vw; }
  .site-actions { gap: var(--sp-1); }
  .lang-trigger { padding: 0; width: 44px; }
  .lang-trigger .lang-code, .lang-trigger .lang-caret { display: none; }
}
/* Small screens: hide the login + get-started buttons from the top bar — they
   live in the mobile nav drawer instead. Scoped to the marketing header's ghost
   + primary buttons so the auth pages' "Home" (btn-outline) stays visible. */
@media (max-width: 819px) {
  .site-actions > .btn-ghost,
  .site-actions > .btn-primary { display: none; }
}
.icon-btn { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius); border: 1px solid var(--color-border-strong); background: var(--color-surface); color: var(--color-text); cursor: pointer; transition: background var(--transition), border-color var(--transition); }
.icon-btn:hover { background: var(--color-surface-2); border-color: var(--color-primary); color: var(--color-primary); }
.nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
/* Language switcher (custom dropdown) */
.lang-switcher { display: inline-flex; }
.lang-dd { position: relative; }
.lang-trigger { display: inline-flex; align-items: center; justify-content: center; gap: var(--sp-2); min-height: 44px; padding: 0 .9rem; border: 1px solid var(--color-border-strong); border-radius: var(--radius-full); background: var(--color-surface); color: var(--color-text); font-size: .9rem; font-weight: 600; line-height: 1; cursor: pointer; transition: border-color var(--transition), background var(--transition), box-shadow var(--transition); }
.lang-trigger:hover { border-color: var(--color-primary); }
.lang-trigger:focus-visible { outline: none; border-color: var(--color-link); box-shadow: 0 0 0 3px var(--color-ring); }
.lang-flag { font-size: 1.05rem; line-height: 1; }
.lang-code { letter-spacing: .02em; }
.lang-caret { display: inline-flex; color: var(--color-text-muted); }
/* Keep the flag vertically + horizontally centred inside the circular flag-only
   trigger on small screens. The global .flag-img has a -3px baseline nudge meant
   for inline text; inside this flex button it would push the flag off centre. */
.lang-trigger .lang-flag { display: inline-flex; align-items: center; justify-content: center; }
.lang-trigger .lang-flag .flag-img { vertical-align: middle; }

/* Cross-platform flag icons rendered as real PNGs (flagcdn). Windows lacks
   Unicode regional-indicator flag glyphs, so emoji flags were blank there;
   these <img>-based flags render everywhere. The code/dial label beside them
   remains as a graceful fallback if the CDN can't be reached. */
.flag-img {
  display: inline-block; width: 1.4rem; height: auto; aspect-ratio: 3 / 2;
  border-radius: 2px; object-fit: cover; vertical-align: -3px;
  box-shadow: 0 0 0 1px rgba(0, 0, 0, .10);
}
.flag-img--fallback { width: auto; aspect-ratio: auto; font-size: 1.05rem; vertical-align: -2px; box-shadow: none; }
.phone-picker-flag-img { width: 1.55rem; }
.loc-flag-img { width: 1.35rem; box-shadow: none; }
.lang-caret .icon { transition: transform var(--transition); }
.lang-dd.open .lang-caret .icon { transform: rotate(180deg); }
.lang-menu { position: absolute; top: calc(100% + 6px); right: 0; min-width: max(11rem, 100%); box-sizing: border-box; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: var(--sp-1); z-index: 60; display: none; }
.lang-dd.open .lang-menu { display: block; }
.lang-option { display: flex; align-items: center; gap: var(--sp-2); width: 100%; padding: .45rem .6rem; border: 0; border-radius: var(--radius); background: transparent; color: var(--color-text); font-size: .9rem; font-weight: 600; cursor: pointer; text-align: left; white-space: nowrap; }
.lang-option:hover { background: var(--color-surface-2); }
.lang-option[aria-selected="true"] { background: var(--color-primary-soft); color: var(--color-primary); }
.lang-option:focus-visible { outline: 2px solid var(--color-ring); outline-offset: 1px; }
/* Vertically center the flag and language code in each dropdown option. */
.lang-option .lang-flag { display: inline-flex; align-items: center; }
.lang-option .flag-img { vertical-align: middle; }

/* Mobile nav drawer */
.mobile-nav { position: fixed; inset: 0; z-index: 80; display: none; }
.mobile-nav.open { display: block; }
.mobile-nav-backdrop { position: absolute; inset: 0; background: rgba(15,31,61,.5); }
.mobile-nav-panel { position: absolute; right: 0; top: 0; height: 100%; width: min(86vw, 340px); background: var(--color-surface); box-shadow: var(--shadow-xl); padding: var(--sp-5); overflow-y: auto; display: flex; flex-direction: column; gap: var(--sp-2); }
.mobile-nav-group a { padding: var(--sp-3); border-radius: var(--radius); color: var(--color-text); font-weight: 600; }
.mobile-nav-group a:hover { background: var(--color-surface-2); text-decoration: none; }
/* Mobile nav drawer header row: brand on the left, close button on the right. */
.mobile-nav-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); margin-bottom: var(--sp-6); }
.mobile-nav-close { flex: none; }
.mobile-nav-group { display: flex; flex-direction: column; gap: var(--sp-1); }
.mobile-nav-group + .mobile-nav-group { margin-top: var(--sp-3); }
.mobile-nav-label { padding: 0 var(--sp-2); font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; color: var(--color-text-muted); }
/* Hero */
.hero { position: relative; display: flex; align-items: center; min-height: calc(100vh - var(--header-h)); padding: clamp(var(--sp-7), 9vh, var(--sp-8)) 0; background: var(--gradient-hero); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; overflow: hidden; pointer-events: none; z-index: 0; }
.hero > .hero-bg + .container { position: relative; z-index: 1; width: 100%; }
/* Hero background photo — full screen */
.hero-bg img { width: 100%; height: 100%; object-fit: cover; display: block; }
/* Full-photo blur veil — blurs the entire image */
.hero-blur-veil { position: absolute; inset: 0; z-index: 1; pointer-events: none;
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
/* Elegant, lightweight animated bubble field floating in front of the blur.
   Performance: animates ONLY transform + opacity (compositor-only, no layout/paint),
   uses soft radial-gradients (no per-element blur filters), and avoids will-change
   on every node so the field stays cheap and never stalls. */
.hero-bubbles { position: absolute; inset: 0; z-index: 3; pointer-events: none; overflow: hidden; }
.hero-bubble {
  position: absolute;
  left: var(--x, 50%); top: var(--y, 50%);
  width: var(--s, 16px); height: var(--s, 16px);
  margin-left: calc(var(--s, 16px) / -2); margin-top: calc(var(--s, 16px) / -2);
  border-radius: 50%;
  background:
    radial-gradient(circle at 34% 30%, rgba(255, 255, 255, 1), rgba(255, 255, 255, .24) 30%, transparent 60%),
    radial-gradient(circle at 50% 48%, rgba(255, 255, 255, .22), rgba(255, 255, 255, 0) 62%);
  box-shadow: inset 0 0 5px rgba(255, 255, 255, .35);
  opacity: .6;
  animation: bubbleFloat var(--d, 18s) ease-in-out var(--delay, 0s) infinite;
}
@keyframes bubbleFloat {
  0%, 100% { transform: translate(0, 0) scale(.98); opacity: .5; }
  50%      { transform: translate(var(--dx, 30px), var(--dy, -30px)) scale(1.04); opacity: .95; }
}
/* Scrim for text legibility over the photo */
.hero-bg::after { content: ""; position: absolute; inset: 0; z-index: 2; pointer-events: none;
  background: linear-gradient(105deg, rgba(13,23,42,.62) 0%, rgba(13,23,42,.28) 42%, rgba(13,23,42,.05) 72%); }
.hero-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; }
.hero-copy { min-width: 0; }
.hero-copy .badge-pill { display: inline-flex; align-items: center; gap: var(--sp-2); padding: .4rem .9rem; border-radius: var(--radius-full); background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.28); box-shadow: var(--shadow-sm); font-size: .82rem; font-weight: 600; color: #fff; margin-bottom: var(--sp-4); backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px); }
.hero-copy .badge-pill .icon { color: #8ff5e4; }
.hero-copy h1 { color: #fff; margin-bottom: var(--sp-4); }
.hero-copy .lead { font-size: 1.1rem; color: rgba(255,255,255,.92); max-width: 560px; margin-bottom: var(--sp-5); }
.hero .btn-outline { border-color: rgba(255,255,255,.65); color: #fff; }
.hero .btn-outline:hover { background: rgba(255,255,255,.14); border-color: #fff; color: #fff; }
.hero-marquee { width: 100%; max-width: 100%; min-width: 0; overflow: hidden; margin-top: var(--sp-6); -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); }
.hero-marquee-track { display: flex; width: max-content; animation: heroMarquee 34s linear infinite; }
.hero-trust { list-style: none; display: flex; align-items: center; gap: var(--sp-7); flex: none; margin: 0; padding: 0 var(--sp-7) 0 0; }
.hero-trust li { display: inline-flex; align-items: center; gap: var(--sp-2); color: #fff; font-size: .92rem; font-weight: 600; white-space: nowrap; }
.hero-trust li .icon { color: #8ff5e4; flex: none; }
@keyframes heroMarquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.hero-cta { display: flex; gap: var(--sp-3); flex-wrap: wrap; }

/* ============================================================
   Hero — 3D isometric scene (marketing home).
   Fully theme-driven: the stage, platforms, neon edges, tracks,
   particles, veil and copy all key off the active theme's CSS
   tokens (light/dark presets + brand primary/accent). Pure inline
   SVG + CSS/SMIL; no frameworks, no build.
   ============================================================ */
.hero {
  /* Scene palette derived from theme tokens (light defaults). */
  --hero-stage-a: color-mix(in srgb, var(--color-primary) 9%, var(--color-surface));
  --hero-stage-b: color-mix(in srgb, var(--color-primary) 5%, var(--color-bg));
  --hero-stage-c: var(--color-surface);
  --hero-cube-a: #ffffff;
  --hero-cube-b: #edf3ff;
  --hero-right-a: #dbe7ff;
  --hero-right-b: #b9cdf2;
  --hero-left-a: #c4d4f7;
  --hero-left-b: #8fa9dd;
  --hero-sdow: rgba(13,34,82,.20);
  --hero-edge: var(--color-primary);
  --hero-edge-hot: var(--color-accent);
  --hero-glow: color-mix(in srgb, var(--color-primary) 42%, transparent);
  --hero-neon: color-mix(in srgb, var(--color-primary) 48%, transparent);
  --hero-track: var(--color-surface);
  --hero-groove: color-mix(in srgb, var(--color-primary-soft) 55%, var(--color-surface));
  --hero-particle: var(--color-primary);
  --hero-veil: color-mix(in srgb, var(--color-surface) 98%, transparent);
  --hero-veil2: color-mix(in srgb, var(--color-surface) 88%, transparent);
  --hero-veil3: color-mix(in srgb, var(--color-surface) 46%, transparent);
  background: linear-gradient(135deg, var(--hero-stage-a) 0%, var(--hero-stage-b) 48%, var(--hero-stage-c) 100%);
}
/* Dark theme — flip the scene palette to the dark tokens. */
[data-theme="dark"] .hero {
  --hero-stage-a: var(--color-bg);
  --hero-stage-b: color-mix(in srgb, var(--color-primary) 12%, var(--color-bg));
  --hero-stage-c: var(--color-surface);
  --hero-cube-a: #263753;
  --hero-cube-b: #1b2942;
  --hero-right-a: #1f3152;
  --hero-right-b: #121d33;
  --hero-left-a: #16233d;
  --hero-left-b: #0c1526;
  --hero-sdow: rgba(0,0,0,.5);
  --hero-edge: color-mix(in srgb, var(--color-primary) 80%, var(--color-surface));
  --hero-edge-hot: color-mix(in srgb, var(--color-accent) 78%, var(--color-surface));
  --hero-glow: color-mix(in srgb, var(--color-primary) 60%, transparent);
  --hero-neon: color-mix(in srgb, var(--color-primary) 70%, transparent);
  --hero-track: color-mix(in srgb, var(--color-surface-2) 45%, var(--color-surface));
  --hero-groove: color-mix(in srgb, var(--color-primary) 34%, var(--color-surface));
  --hero-particle: var(--color-primary);
  --hero-veil: color-mix(in srgb, var(--color-bg) 82%, transparent);
  --hero-veil2: color-mix(in srgb, var(--color-bg) 66%, transparent);
  --hero-veil3: color-mix(in srgb, var(--color-bg) 40%, transparent);
  background: linear-gradient(135deg, var(--color-bg) 0%,
    color-mix(in srgb, var(--color-primary) 12%, var(--color-bg)) 48%, var(--color-surface) 100%);
}
.hero-bg::after { content: none; }
.hero-3d { position: absolute; inset: 0; z-index: 0; }
.hero-3d-scene { position: absolute; inset: 0; width: 100%; height: 100%; display: block; }
/* Copy-legibility veil shields the left column (headline/CTA) on a near-solid
   surface color while leaving the right side of the scene fully visible. */
.hero-veil {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(100deg,
    var(--hero-veil) 0%, var(--hero-veil2) 30%, var(--hero-veil3) 58%, transparent 74%);
}
/* Bind the inline-SVG gradient stops to the theme palette. */
.hero-3d-scene #hx-heroBg stop:nth-child(1) { stop-color: var(--hero-stage-a); }
.hero-3d-scene #hx-heroBg stop:nth-child(2) { stop-color: var(--hero-stage-b); }
.hero-3d-scene #hx-heroBg stop:nth-child(3) { stop-color: var(--hero-stage-c); }
.hero-3d-scene #hx-heroGlow stop:nth-child(1) { stop-color: var(--hero-glow); stop-opacity: .9; }
.hero-3d-scene #hx-heroGlow stop:nth-child(2) { stop-color: var(--hero-glow); stop-opacity: .4; }
.hero-3d-scene #hx-heroGlow stop:nth-child(3) { stop-color: var(--hero-glow); stop-opacity: 0; }
.hero-3d-scene #hx-cubeTop stop:nth-child(1) { stop-color: var(--hero-cube-a); }
.hero-3d-scene #hx-cubeTop stop:nth-child(2) { stop-color: var(--hero-cube-b); }
.hero-3d-scene #hx-cubeRight stop:nth-child(1) { stop-color: var(--hero-right-a); }
.hero-3d-scene #hx-cubeRight stop:nth-child(2) { stop-color: var(--hero-right-b); }
.hero-3d-scene #hx-cubeLeft stop:nth-child(1) { stop-color: var(--hero-left-a); }
.hero-3d-scene #hx-cubeLeft stop:nth-child(2) { stop-color: var(--hero-left-b); }

/* Platforms — solid shaded cubes with a soft ground shadow and neon rims. */
.hero-cube .cube-top { fill: url(#hx-cubeTop); }
.hero-cube .cube-right { fill: url(#hx-cubeRight); }
.hero-cube .cube-left { fill: url(#hx-cubeLeft); }
.cube-shadow { fill: var(--hero-sdow); }
/* Rim light (subtle) so the neon reads as lighting, not as wireframe. */
.hero-cube .cube-edge {
  fill: none; stroke: var(--hero-edge); stroke-width: 2;
  stroke-linejoin: round; stroke-linecap: round; opacity: .5;
}
.hero-cube > path.cube-edge { stroke: var(--hero-edge-hot); opacity: .4; }
.hero-cube .cube-edge-glow {
  fill: none; stroke: var(--hero-glow); stroke-width: 5;
  stroke-linejoin: round; stroke-linecap: round; opacity: .4;
}
.hero-cube > path.cube-edge-glow { stroke: color-mix(in srgb, var(--hero-edge-hot) 70%, transparent); opacity: .5; }

/* Curved track tubes + soft drop shadow + neon glow derived from the theme. */
.track-dropshadow { fill: none; stroke: var(--hero-sdow); stroke-width: 16; opacity: .3; stroke-linecap: round; }
.track-neon { fill: none; stroke: var(--hero-neon); stroke-width: 20; opacity: .5; stroke-linecap: round; }
.track-ribbon { fill: none; stroke: var(--hero-track); stroke-width: 20; opacity: .96; stroke-linecap: round; }
.track-groove { fill: none; stroke: var(--hero-groove); stroke-width: 8; opacity: .7; stroke-linecap: round; }

/* Theme-tinted particle dots drifting slowly about the scene. */
.hero-3d-scene .particle { fill: var(--hero-particle); }
.particle { animation: particleFloat var(--pw, 24s) ease-in-out var(--pd, 0s) infinite; will-change: transform; }
@keyframes particleFloat {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(var(--dx, 20px), var(--dy, -20px)); }
}

/* Gold coins stay brand-neutral; tie their soft shadow to the theme. */
.hero-coin .coin-shadow { fill: var(--hero-glow); }

/* Hero copy follows theme text/ink tokens for both light and dark. */
.hero-copy .badge-pill {
  background: color-mix(in srgb, var(--color-surface) 72%, transparent);
  border: 1px solid color-mix(in srgb, var(--color-primary) 28%, var(--color-surface));
  color: var(--color-primary);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
}
.hero-copy .badge-pill .icon { color: var(--color-primary); }
.hero-copy h1 { color: var(--color-text); }
.hero-copy .lead { color: var(--color-text-muted); }
/* Crisp glyph edges over any faint scene bleed near the veil fade. */
.hero-copy h1,
.hero-copy .lead,
.hero-copy .badge-pill {
  text-shadow: 0 1px 2px color-mix(in srgb, var(--color-surface) 92%, transparent);
}
.hero .btn-outline { border-color: var(--color-border-strong); color: var(--color-text); background: color-mix(in srgb, var(--color-surface) 55%, transparent); }
.hero .btn-outline:hover { background: var(--color-surface); border-color: var(--color-primary); color: var(--color-primary); }
.hero-trust li { color: var(--color-text-muted); }
.hero-trust li .icon { color: var(--color-primary); }

/* Reduce motion: freeze particle drift + marquee (SMIL paused in JS). */
@media (prefers-reduced-motion: reduce) {
  .hero-3d-scene .particle,
  .hero-marquee-track { animation: none !important; }
}
.calc-widget { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--sp-5); box-shadow: var(--shadow-xl); }
.calc-widget-head { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: var(--sp-5); }
.calc-widget-head .calc-icon { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.calc-widget-head h3 { margin: 0; font-family: var(--font-display); }
.calc-field { margin-bottom: var(--sp-5); }
.calc-field-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: var(--sp-2); }
.calc-field-head .calc-amount-val, .calc-field-head .calc-term-val { font-family: var(--font-display); font-size: 1.6rem; font-weight: 700; color: var(--color-primary); }
input[type=range].slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); outline: none; min-height: auto; padding: 0; }
input[type=range].slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 24px; height: 24px; border-radius: 50%; background: var(--color-primary); border: 4px solid var(--color-surface); box-shadow: var(--shadow); cursor: pointer; transition: transform var(--transition); }
input[type=range].slider::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type=range].slider::-moz-range-thumb { width: 24px; height: 24px; border-radius: 50%; background: var(--color-primary); border: 4px solid var(--color-surface); box-shadow: var(--shadow); cursor: pointer; }
.calc-readout { background: var(--color-surface-2); border-radius: var(--radius-lg); padding: var(--sp-5); text-align: center; margin-top: var(--sp-2); }
.calc-readout .calc-monthly { font-family: var(--font-display); font-size: clamp(2rem, 1.4rem + 2vw, 2.8rem); font-weight: 800; color: var(--color-text); line-height: 1; }
.calc-readout .calc-monthly .cur { color: var(--color-accent-hover); }
.calc-readout .calc-monthly-label { color: var(--color-text-muted); font-size: .85rem; margin-top: var(--sp-2); }
.calc-sub { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); margin-top: var(--sp-4); }
.calc-sub .calc-sub-item { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); padding: var(--sp-3); text-align: center; }
.calc-sub .calc-sub-label { font-size: .78rem; color: var(--color-text-muted); }
.calc-sub .calc-sub-value { font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; margin-top: 2px; }
.calc-widget .calc-cta { margin-top: var(--sp-5); }
.calc-disclaimer { font-size: .78rem; color: var(--color-text-subtle); text-align: center; margin-top: var(--sp-3); }
.calc-page-grid { align-items: stretch; }
.calc-page-grid > .calc-widget { align-self: start; }
.calc-page-grid > .card { display: flex; flex-direction: column; min-height: 0; overflow: hidden; position: relative; }
.calc-preview-scroll { position: relative; flex: 1 1 0; min-height: 0; overflow-y: auto; overscroll-behavior: contain; padding-bottom: 56px; }
.calc-preview-scroll table { border-collapse: separate; border-spacing: 0; }
.calc-preview-scroll thead th { position: sticky; top: 0; background: var(--color-surface); box-shadow: 0 1px 0 var(--color-border); z-index: 1; }
.calc-page-grid > .card.is-scrollable::before {
  content: ''; position: absolute; left: 0; right: 0; bottom: var(--sp-5); height: 46px; pointer-events: none;
  background: linear-gradient(to top, var(--color-surface), transparent); z-index: 2;
}
.calc-page-grid > .card.is-scrollable::after {
  content: '▼'; position: absolute; left: 50%; bottom: var(--sp-5); transform: translateX(-50%);
  display: grid; place-items: center; width: 32px; height: 32px; border-radius: var(--radius-full);
  background: var(--color-primary); color: #fff; font-size: .68rem; line-height: 1; pointer-events: none;
  box-shadow: var(--shadow); z-index: 3;
}
.calc-page-grid > .card.is-scrollable.at-bottom::after { content: '▲'; }

/* Steps */
.steps-section { padding: var(--sp-7) 0; }
.steps { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); counter-reset: step; }
.step-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm); position: relative; }
.step-card .step-num { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: var(--radius-full); background: var(--color-primary-soft); color: var(--color-primary); font-family: var(--font-display); font-weight: 700; margin-bottom: var(--sp-3); }
.step-card .step-icon { color: var(--color-accent-hover); margin-bottom: var(--sp-2); }
.step-card h3 { margin-bottom: var(--sp-2); }

/* Features */
.features-section { padding: var(--sp-7) 0; background: var(--color-surface); border-block: 1px solid var(--color-border); }
.feature-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); }
.feature-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); transition: box-shadow var(--transition), transform var(--transition); }
.feature-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.feature-card .feature-icon { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: var(--radius); background: var(--gradient-primary); color: #fff; margin-bottom: var(--sp-3); }
.feature-card h3 { margin-bottom: var(--sp-2); }
.feature-card p { color: var(--color-text-muted); margin: 0; }

/* Stats counters */
.stats-section { padding: var(--sp-7) 0; }
.stats-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); }
.stats-item { text-align: center; }
.stats-item .stats-value { font-family: var(--font-display); font-size: clamp(1.9rem, 1.3rem + 2vw, 2.6rem); font-weight: 800; background: var(--gradient-primary); -webkit-background-clip: text; background-clip: text; color: transparent; line-height: 1.1; }
.stats-item .stats-label { color: var(--color-text-muted); font-size: .92rem; margin-top: var(--sp-2); }
/* Reviews */
.reviews-section { padding: var(--sp-7) 0; }
.reviews-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); }
.review-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm); }
.review-card .stars { display: inline-flex; gap: 2px; color: var(--color-warn); margin-bottom: var(--sp-3); }
.review-card .stars .icon { width: 18px; height: 18px; }
.review-card .review-body { color: var(--color-text); margin-bottom: var(--sp-4); }
.review-card .review-author { display: flex; align-items: center; gap: var(--sp-3); }
.review-card .review-avatar { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: var(--radius-full); background: var(--color-primary-soft); color: var(--color-primary); font-weight: 700; }
.review-card .review-name { font-weight: 600; }
.review-card .review-meta { font-size: .82rem; color: var(--color-text-muted); }

/* Representative example */
.example-section { padding: var(--sp-6) 0; }
.example-card { background: var(--color-surface); border: 1px solid var(--color-border); border-left: 4px solid var(--color-primary); border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm); }
.example-card .example-row { display: flex; justify-content: space-between; gap: var(--sp-4); padding: var(--sp-2) 0; border-bottom: 1px dashed var(--color-border); flex-wrap: wrap; }
.example-card .example-row:last-child { border-bottom: none; }
.example-card .example-row .money { font-family: var(--font-display); }

/* FAQ accordion */
.faq-section { padding: var(--sp-7) 0; }
.accordion { display: flex; flex-direction: column; gap: var(--sp-3); }
.accordion-item { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); overflow: hidden; }
.accordion-trigger { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: var(--sp-3); padding: var(--sp-4) var(--sp-5); background: transparent; border: none; text-align: left; font-family: inherit; font-size: 1rem; font-weight: 600; color: var(--color-text); cursor: pointer; }
.accordion-trigger .icon { transition: transform var(--transition); color: var(--color-text-muted); flex: none; }
.accordion-item.is-open .accordion-trigger .icon { transform: rotate(180deg); }
.accordion-panel { display: none; padding: 0 var(--sp-5) var(--sp-4); color: var(--color-text-muted); }
.accordion-item.is-open .accordion-panel { display: block; }

/* CTA band */
.cta-band { margin: var(--sp-7) 0; border-radius: var(--radius-xl); padding: var(--sp-7) var(--sp-5); text-align: center; background: var(--gradient-primary); color: #fff; box-shadow: var(--shadow-lg); }
.cta-band h2 { color: #fff; margin-bottom: var(--sp-3); }
.cta-band p { color: rgba(255,255,255,.9); margin-bottom: var(--sp-5); max-width: 540px; margin-inline: auto; }
.cta-band .btn-primary { background: #fff; color: var(--color-primary); }
.cta-band .btn-primary:hover { background: var(--color-surface-2); color: var(--color-primary); }
.cta-band .btn-outline { border-color: rgba(255,255,255,.6); color: #fff; }
.cta-band .btn-outline:hover { background: rgba(255,255,255,.12); border-color: #fff; color: #fff; }

/* Footer */
.site-footer { background: var(--color-surface); border-top: 1px solid var(--color-border); margin-top: var(--sp-8); }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); padding: var(--sp-7) 0 var(--sp-5); }
.footer-brand .brand { margin-bottom: var(--sp-3); }
.footer-brand p { color: var(--color-text-muted); max-width: 320px; }
.footer-contact { margin-top: var(--sp-5); display: flex; flex-direction: column; gap: var(--sp-2); }
.footer-contact h4 { font-size: .9rem; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin-bottom: var(--sp-1); }
.footer-contact a { color: var(--color-text); }
.footer-contact .contact-item { display: inline-flex; align-items: center; gap: var(--sp-2); }
.footer-contact .contact-item .icon { color: var(--color-text-subtle); flex-shrink: 0; }
.footer-col { display: flex; flex-direction: column; gap: var(--sp-2); }
.footer-col h4 { font-size: .9rem; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin-bottom: var(--sp-2); }
.footer-col a { color: var(--color-text); font-size: .92rem; }
.footer-col a:hover { color: var(--color-primary); text-decoration: none; }
.footer-social { display: flex; gap: var(--sp-2); margin-top: var(--sp-3); }
.footer-social a { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: var(--radius); background: var(--color-surface-2); color: var(--color-text-muted); transition: background var(--transition), color var(--transition); }
.footer-social a:hover { background: var(--color-primary-soft); color: var(--color-primary); }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: var(--sp-2); border-top: 1px solid var(--color-border); padding: var(--sp-5) 0; font-size: .85rem; color: var(--color-text-muted); }
/* ===== Portal (admin + client) ===== */
.surface-app { background: var(--color-bg); }
.app-shell { display: flex; min-height: 100vh; }
.app-sidebar { width: var(--sidebar-w); flex-shrink: 0; background: var(--color-surface); border-right: 1px solid var(--color-border); padding: var(--sp-4); display: flex; flex-direction: column; gap: var(--sp-4); position: fixed; top: 0; left: 0; height: 100vh; z-index: 40; transition: transform var(--transition); overflow-y: auto; }
.app-sidebar .brand { padding: var(--sp-2) var(--sp-3); }
.app-nav { display: flex; flex-direction: column; gap: 2px; flex: 1; }
.app-nav .nav-label { font-size: .72rem; text-transform: uppercase; letter-spacing: .07em; color: var(--color-text-subtle); padding: var(--sp-3) var(--sp-3) var(--sp-1); font-weight: 700; }
.app-nav a { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3) var(--sp-3); border-radius: var(--radius); color: var(--color-text-muted); font-weight: 500; transition: background var(--transition), color var(--transition); }
.app-nav a .icon { width: 20px; height: 20px; flex: none; }
.app-nav a:hover { background: var(--color-surface-2); color: var(--color-text); text-decoration: none; }
.app-nav a.active { background: var(--color-primary-soft); color: var(--color-primary); font-weight: 600; }
.app-nav a .badge { margin-left: auto; }
.sidebar-footer { border-top: 1px solid var(--color-border); padding-top: var(--sp-3); display: flex; flex-direction: column; gap: var(--sp-2); }
.sidebar-footer .user-mini { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3); background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius); }
.sidebar-footer .user-avatar { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: var(--radius); background: var(--gradient-primary); color: #fff; font-weight: 800; font-size: .95rem; flex: none; box-shadow: var(--shadow-sm); }
.sidebar-footer .user-meta { min-width: 0; }
.sidebar-footer .user-name { font-weight: 700; font-size: .9rem; color: var(--color-text); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; display: block; }
.sidebar-footer .user-email { font-size: .78rem; color: var(--color-text-muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.sidebar-logout { display: flex; align-items: center; gap: var(--sp-3); width: 100%; padding: var(--sp-3); border-radius: var(--radius); color: var(--color-text-muted); font-weight: 500; transition: background var(--transition), color var(--transition); }
.sidebar-logout .icon { width: 20px; height: 20px; flex: none; }
.sidebar-logout:hover { background: var(--color-surface-2); color: var(--color-text); text-decoration: none; }
.app-content { flex: 1; min-width: 0; margin-left: var(--sidebar-w); display: flex; flex-direction: column; min-height: 100vh; }

/* Sidebar backdrop (mobile) */
.sidebar-backdrop { position: fixed; inset: 0; background: rgba(15,31,61,.5); z-index: 39; display: none; }
.sidebar-backdrop.open { display: block; }
.sidebar-toggle { display: none; }
/* Topbar */
.app-topbar { position: sticky; top: 0; z-index: 30; height: var(--topbar-h); display: flex; align-items: center; gap: var(--sp-3); padding: 0 var(--sp-5); background: color-mix(in srgb, var(--color-surface) 90%, transparent); border-bottom: 1px solid var(--color-border); }
/* Frosted-glass blur lives on a ::before overlay, NOT on .app-topbar itself:
   backdrop-filter on the bar makes it a containing block for its position:fixed
   descendants (the mobile notification / user-menu bottom sheets), which traps
   them within the 64px topbar. The pseudo-element still blurs the page behind
   the bar but no longer breaks fixed-positioned children. */
.app-topbar::before { content: ""; position: absolute; inset: 0; z-index: -1; backdrop-filter: saturate(180%) blur(12px); }
.app-topbar .page-title { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; margin: 0; flex: 1; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.app-topbar .topbar-actions { display: flex; align-items: center; gap: var(--sp-2); margin-left: auto; }

/* Notification bell + dropdown */
.notif { position: relative; }
.notif-btn { position: relative; display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius); border: 1px solid var(--color-border-strong); background: var(--color-surface); color: var(--color-text); cursor: pointer; transition: background var(--transition), border-color var(--transition); }
.notif-btn:hover { background: var(--color-surface-2); border-color: var(--color-primary); color: var(--color-primary); }
.notif-dot { position: absolute; top: -4px; right: -4px; min-width: 20px; height: 20px; padding: 0 5px; border-radius: var(--radius-full); background: var(--color-danger); color: #fff; font-size: .68rem; font-weight: 700; display: grid; place-items: center; border: 2px solid var(--color-surface); }
.notif-panel { position: absolute; top: calc(100% + 10px); right: 0; width: min(92vw, 380px); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-xl); display: none; flex-direction: column; max-height: 70vh; overflow: hidden; z-index: 60; }
.notif-panel.open { display: flex; animation: dropIn .16s ease-out; }
@keyframes dropIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: translateY(0); } }
.notif-head { display: flex; align-items: center; justify-content: space-between; padding: var(--sp-4) var(--sp-4) var(--sp-3); border-bottom: 1px solid var(--color-border); }
.notif-head h3 { margin: 0; font-size: 1rem; }
.notif-list { overflow-y: auto; flex: 1; }
.notif-item { display: flex; gap: var(--sp-3); padding: var(--sp-3) var(--sp-4); border-bottom: 1px solid var(--color-border); transition: background var(--transition); text-decoration: none; color: var(--color-text); }
.notif-item:hover { background: var(--color-surface-2); text-decoration: none; color: var(--color-text); }
.notif-item .notif-ic { width: 36px; height: 36px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); display: inline-grid; place-items: center; flex: none; }
.notif-item.is-unread { background: var(--color-primary-soft); }
.notif-item.is-unread .notif-ic { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.notif-item .notif-body { min-width: 0; }
.notif-item .notif-title { font-weight: 600; font-size: .9rem; }
.notif-item .notif-text { font-size: .82rem; color: var(--color-text-muted); overflow: hidden; text-overflow: ellipsis; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; }
.notif-item .notif-time { font-size: .76rem; color: var(--color-text-subtle); margin-top: 2px; }
.notif-empty { padding: var(--sp-6) var(--sp-4); text-align: center; color: var(--color-text-muted); }
.notif-foot { display: flex; justify-content: space-between; gap: var(--sp-2); padding: var(--sp-3) var(--sp-4); border-top: 1px solid var(--color-border); }

/* User menu */
/* User avatar (global base — used in sidebar & topbar profile control) */
.user-avatar { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: var(--radius-full); background: var(--color-primary-soft); color: var(--color-primary); font-weight: 700; flex: none; }

.user-menu { position: relative; }
.user-menu-btn { display: inline-flex; align-items: center; gap: var(--sp-2); padding: .35rem .5rem .35rem .35rem; border-radius: var(--radius-full); border: 1px solid var(--color-border); background: var(--color-surface); cursor: pointer; color: var(--color-text); transition: background var(--transition); }
.user-menu-btn:hover { background: var(--color-surface-2); }
.user-menu-btn .user-avatar { width: 32px; height: 32px; }
.user-menu-btn .user-chev { color: var(--color-text-muted); }
.user-menu-panel { position: absolute; top: calc(100% + 8px); right: 0; width: 220px; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-xl); display: none; flex-direction: column; padding: var(--sp-2); z-index: 60; }
/* Backdrop that dims the page behind the mobile notification/avatar dropdowns.
   Shown only on mobile and only while the adjacent open dropdown is active;
   clicking it closes via the existing outside-click dismiss handler. */
.drop-backdrop { position: fixed; inset: 0; z-index: 55; background: rgba(15,31,61,.45); display: none; }
@media (max-width: 819px) {
  .nb-panel.open + .drop-backdrop,
  .user-menu-panel.open + .drop-backdrop { display: block; }
}
.user-menu-panel.open { display: flex; animation: dropIn .16s ease-out; }
.user-menu-panel a, .user-menu-panel button { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3); border-radius: var(--radius); color: var(--color-text); font-weight: 500; background: transparent; border: none; font-family: inherit; font-size: .92rem; text-align: left; cursor: pointer; }
.user-menu-panel a:hover, .user-menu-panel button:hover { background: var(--color-surface-2); text-decoration: none; }
.user-menu-panel .user-head { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-2) var(--sp-3); }
.user-menu-panel .user-head .user-avatar { width: 40px; height: 40px; font-size: .9rem; background: var(--gradient-primary); color: #fff; font-weight: 800; box-shadow: var(--shadow-sm); }
.user-menu-panel .user-head-name { font-weight: 700; font-size: .92rem; color: var(--color-text); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.user-menu-panel .user-head-meta { display: flex; flex-direction: column; min-width: 0; }
.user-menu-panel .user-head-email { font-size: .78rem; color: var(--color-text-muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.user-menu-panel .menu-divider { height: 1px; background: var(--color-border); margin: var(--sp-1) 0; }

/* Page content */
.app-main { padding: var(--sp-6) var(--sp-5) var(--sp-7); flex: 1; }
.app-main .container { padding: 0; }
.page-head { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-4); flex-wrap: wrap; margin-bottom: var(--sp-5); }
.page-head .page-sub { color: var(--color-text-muted); margin: 0; }
/* Auth pages */
.auth-wrap { min-height: calc(100vh - var(--header-h)); display: grid; place-items: center; padding: var(--sp-6) var(--sp-4); background: var(--gradient-hero); }
.auth-card { width: 100%; max-width: 440px; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: var(--sp-6); box-shadow: var(--shadow-xl); }
.auth-card .auth-head { text-align: center; margin-bottom: var(--sp-5); }
.auth-card .auth-head .brand { justify-content: center; margin-bottom: var(--sp-4); }
.auth-card .auth-head h1 { font-size: 1.5rem; }
.auth-card .auth-head p { color: var(--color-text-muted); margin: 0; }
.auth-foot { text-align: center; margin-top: var(--sp-4); font-size: .9rem; color: var(--color-text-muted); }
.auth-foot a { font-weight: 600; }

/* Install wizard */
.install-wrap { min-height: 100vh; display: grid; place-items: center; padding: var(--sp-7) var(--sp-4); background: var(--gradient-hero); }
.install-card { width: 100%; max-width: 640px; }
.install-card__inner {
  position: relative; background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-xl); padding: var(--sp-6); box-shadow: var(--shadow-xl);
  overflow: hidden;
}
/* Soft gradient halo floating over the card's top edge. */
.install-card__inner::before {
  content: ""; position: absolute; top: -90px; right: -60px; width: 260px; height: 260px;
  border-radius: 50%; background: radial-gradient(circle at 30% 30%, rgba(11,95,255,.14), transparent 70%);
  pointer-events: none;
}

/* Intro header */
.install-head {
  position: relative; text-align: center; display: flex; flex-direction: column; align-items: center;
  margin-bottom: var(--sp-6);
}
.install-head__eyebrow {
  display: inline-flex; align-items: center; gap: var(--sp-1); padding: 4px 12px; border-radius: var(--radius-full);
  background: var(--color-accent-soft); color: var(--color-accent-hover); font-size: .78rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .06em; margin-bottom: var(--sp-4);
}
.install-head__eyebrow .icon { display: grid; }
.install-head__mark {
  display: inline-grid; place-items: center; width: 62px; height: 62px; border-radius: var(--radius-lg);
  background: var(--gradient-primary); color: #fff; box-shadow: 0 10px 24px rgba(11,95,255,.3); margin-bottom: var(--sp-4);
}
.install-head__title { font-size: 1.7rem; font-weight: 700; margin: 0 0 var(--sp-2); letter-spacing: -.02em; }
.install-head__sub { color: var(--color-text-muted); margin: 0 auto; max-width: 46ch; }

/* What this setup will create */
.install-scope {
  display: flex; flex-wrap: wrap; justify-content: center; gap: var(--sp-2); margin: var(--sp-5) 0 0;
  padding: 0; list-style: none;
}
.install-scope__item {
  display: inline-flex; align-items: center; gap: var(--sp-2); padding: var(--sp-2) var(--sp-3);
  background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius-full);
  font-size: .82rem; font-weight: 600; color: var(--color-text);
}
.install-scope__ic {
  display: inline-grid; place-items: center; width: 22px; height: 22px; border-radius: var(--radius-full);
  background: var(--color-primary-soft); color: var(--color-primary); flex: none;
}
.install-scope__ic--accent { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.install-scope__ic--success { background: color-mix(in srgb, var(--color-success) 14%, transparent); color: var(--color-success); }

/* Section headers */
.form-section + .form-section { margin-top: 0; }
.form-section__head { display: flex; align-items: flex-start; gap: var(--sp-3); margin-bottom: var(--sp-4); }
.form-section__ico {
  display: inline-grid; place-items: center; width: 38px; height: 38px; flex: none; border-radius: var(--radius);
  background: var(--color-primary-soft); color: var(--color-primary);
}
.form-section__ico--accent { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.form-section__title { font-size: 1.05rem; margin: 0; }
.form-section__desc { font-size: .88rem; color: var(--color-text-muted); margin: 0; }

/* Theme picker */
.theme-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); }
.theme-option {
  position: relative; display: flex; flex-direction: column; gap: var(--sp-2); cursor: pointer;
  border: 1px solid var(--color-border-strong); border-radius: var(--radius-lg); padding: var(--sp-2);
  background: var(--color-surface); transition: border-color var(--transition), box-shadow var(--transition);
}
.theme-option:hover { border-color: var(--color-primary); }
.theme-option--selected { border-color: var(--color-primary); box-shadow: 0 0 0 3px var(--color-ring); }
.theme-option input { position: absolute; opacity: 0; pointer-events: none; }
.theme-option__preview {
  display: flex; align-items: flex-start; height: 64px; border-radius: var(--radius-sm);
  border: 1px solid var(--color-border); padding: var(--sp-2); overflow: hidden;
}
.theme-option__preview--light { background: #f6f8fb; }
.theme-option__preview--dark { background: #16233f; }
.theme-option__bars { display: flex; flex-direction: column; gap: 5px; width: 100%; }
.theme-option__bars i { display: block; height: 6px; border-radius: var(--radius-full); }
.theme-option__bars i:first-child { width: 62%; height: 8px; margin-bottom: 2px; }
.theme-option__preview--light .theme-option__bars i { background: #dbe4f0; }
.theme-option__preview--light .theme-option__bars i:first-child { background: #0b5fff; }
.theme-option__preview--dark .theme-option__bars i { background: rgba(255,255,255,.22); }
.theme-option__preview--dark .theme-option__bars i:first-child { background: #00c2a8; }
.theme-option__meta { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); padding: 2px var(--sp-2) var(--sp-1); }
.theme-option__name { font-weight: 600; font-size: .9rem; }
.theme-option__check {
  display: inline-grid; place-items: center; width: 22px; height: 22px; border-radius: var(--radius-full);
  background: var(--color-primary); color: #fff; opacity: 0; transform: scale(.6); transition: all var(--transition);
}
.theme-option--selected .theme-option__check { opacity: 1; transform: scale(1); }

/* Submit */
.install-submit { position: relative; gap: var(--sp-2); }
.install-submit__arrow { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: var(--radius); background: rgba(255,255,255,.22); margin-left: auto; transition: transform var(--transition); }
.install-submit:hover .install-submit__arrow { transform: translateX(3px); }
.install-note { font-size: .82rem; color: var(--color-text-subtle); text-align: center; margin: var(--sp-3) 0 0; }

@media (max-width: 420px) {
  .install-card__inner { padding: var(--sp-5); }
  .install-head__title { font-size: 1.45rem; }
}

/* Misc utility components */
.filter-bar { display: flex; gap: var(--sp-3); flex-wrap: wrap; align-items: center; margin-bottom: var(--sp-4); }
.filter-bar .filter-grow { flex: 1; min-width: 200px; }
.detail-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-4); }
.detail-row { display: grid; grid-template-columns: minmax(0,1fr); gap: var(--sp-1) var(--sp-4); align-items: center; padding: var(--sp-2) 0; border-bottom: 1px solid var(--color-border); }
.detail-row:last-child { border-bottom: none; }
.detail-row .detail-label { font-size: .8rem; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .04em; }
.detail-row .detail-value { font-weight: 600; min-width: 0; overflow-wrap: anywhere; word-break: break-word; }
.kv { display: flex; justify-content: space-between; gap: var(--sp-4); padding: var(--sp-2) 0; border-bottom: 1px solid var(--color-border); flex-wrap: wrap; }
.kv:last-child { border-bottom: none; }
.action-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-4); }
.notice-card { display: flex; gap: var(--sp-4); align-items: flex-start; background: var(--color-primary-soft); border: 1px solid color-mix(in srgb, var(--color-primary) 22%, transparent); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-5); }
.notice-card .icon { color: var(--color-primary); flex: none; margin-top: 2px; }
/* ===== Responsive ===== */
/* >=640px: large phones / small tablets */
@media (min-width: 640px) {
  .grid-2 { grid-template-columns: minmax(0,1fr) minmax(0,1fr); }
  .grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .grid-4 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .stat-cards { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .detail-row { grid-template-columns: 180px minmax(0, 1fr); }
  .funnel-row { grid-template-columns: 160px minmax(0, 1fr) 48px; }
  .calc-sub { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .action-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .steps { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .feature-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .reviews-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .stats-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .footer-grid { grid-template-columns: 2fr 1fr 1fr; }
}
/* >=820px: tablets */
@media (min-width: 820px) {
  .site-nav { display: flex; }
  .nav-toggle { display: none; }
  .hero-grid { grid-template-columns: minmax(0,1.05fr) minmax(0,.95fr); }
  .grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .stat-cards { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .steps { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .feature-grid { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .reviews-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
  .stats-grid { grid-template-columns: repeat(4, minmax(0,1fr)); }
  .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; }
}
/* >=1080px: laptops */
@media (min-width: 1080px) {
  .app-main { padding: var(--sp-7) var(--sp-7) var(--sp-8); }
}
/* <=820px: portal sidebar becomes a drawer */
@media (max-width: 819px) {
  .app-sidebar { transform: translateX(-100%); box-shadow: var(--shadow-xl); }
  .app-sidebar.open { transform: translateX(0); }
  .app-content { margin-left: 0; }
  .sidebar-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .app-topbar { padding: 0 var(--sp-4); }
  .app-main { padding: var(--sp-5) var(--sp-4) var(--sp-7); }
  .notif-panel { position: fixed; top: auto; bottom: 0; left: 0; right: 0; width: 100%; max-height: 80vh; border-radius: var(--radius-xl) var(--radius-xl) 0 0; }
  /* NOTE: .nb-panel/.nb-list mobile overrides live AFTER their base definitions
     (see the notification-bell section) so the cascade actually applies them. */
  .user-menu-panel { position: fixed; top: calc(var(--topbar-h) + var(--sp-2)); bottom: auto; right: var(--sp-3); left: var(--sp-3); width: auto; }
}
/* <=640px: phones */
@media (max-width: 640px) {
  .input-row { grid-template-columns: 1fr; }
  .calc-sub { grid-template-columns: 1fr; }
  .btn-row { flex-direction: column; align-items: stretch; }
  .btn-row .btn { width: 100%; }
  .footer-bottom { flex-direction: column; }
  .page-head { flex-direction: column; }
}
/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
}

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: var(--sp-2); padding: .55rem 1.05rem; border-radius: var(--radius); border: 1px solid transparent; font-size: .95rem; font-weight: 600; cursor: pointer; line-height: 1.2; text-decoration: none; }
.btn:hover { text-decoration: none; filter: brightness(.97); }
.btn-primary { background: var(--color-primary); color: var(--color-primary-contrast); }
.btn-primary:hover { color: var(--color-primary-contrast); }
.btn-accent { background: var(--color-accent); color: #fff; }
.btn-outline { background: transparent; border-color: var(--color-border); color: var(--color-text); }
.btn-outline:hover { border-color: var(--color-link); color: var(--color-link); }
.btn-link { background: transparent; color: var(--color-link); padding-inline: var(--sp-2); }
.btn-danger { background: var(--color-danger); color: #fff; }
.btn-success { background: var(--color-success); color: #fff; }
.btn-sm { padding: .35rem .75rem; font-size: .85rem; }
.btn-block { width: 100%; }
.btn.disabled, .btn[disabled] { opacity: .55; pointer-events: none; }

/* Forms */
.form-group { margin-bottom: var(--sp-4); }
label { display: block; font-weight: 600; margin-bottom: var(--sp-1); font-size: .93rem; }
input[type=text], input[type=email], input[type=password], input[type=number], input[type=date], input[type=url], input[type=search], select, textarea { width: 100%; padding: .6rem .8rem; border: 1px solid var(--color-border); border-radius: var(--radius); font-size: 1rem; background: var(--color-surface); color: var(--color-text); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--color-link); box-shadow: 0 0 0 3px rgba(37,99,235,.18); }
textarea { min-height: 110px; resize: vertical; }
.form-hint { font-size: .82rem; color: var(--color-text-muted); margin-top: var(--sp-1); }
.error-text { font-size: .85rem; color: var(--color-danger); margin-top: var(--sp-1); }
.input-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-4); }
/* Keep nowrap/long values (e.g. the phone picker) from blowing up the grid. */
.input-row > * { min-width: 0; }

/* Alert / flash */
.alert { padding: var(--sp-3) var(--sp-4); border-radius: var(--radius); margin-bottom: var(--sp-4); background: var(--color-surface-alt); border: 1px solid var(--color-border); }

/* Cards / tables */
.card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); padding: var(--sp-5); box-shadow: var(--shadow); min-width: 0; }
.card + .card { margin-top: var(--sp-4); }
.card-title { font-size: 1.1rem; font-weight: 700; margin-bottom: var(--sp-3); display: flex; align-items: center; gap: var(--sp-3); }
.grid { display: grid; gap: var(--sp-4); }
.grid-2 { grid-template-columns: minmax(0,1fr) minmax(0,1fr); } .grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); } .grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
/* Keep nowrap/long values from blowing up flex/grid recipients. */
.grid > *, .grid-2 > *, .grid-3 > *, .grid-4 > *, .auto-grid > * { min-width: 0; }
table { width: 100%; border-collapse: collapse; font-size: .93rem; }
th, td { padding: var(--sp-2) var(--sp-3); text-align: left; border-bottom: 1px solid var(--color-border); vertical-align: top; }
th { font-weight: 600; color: var(--color-text-muted); font-size: .82rem; text-transform: uppercase; letter-spacing: .04em; }
tbody tr:hover { background: var(--color-surface-alt); }



/* Hero */
.hero { padding: var(--sp-7) 0 var(--sp-6); text-align: center; }
.hero h1 { font-size: 2.6rem; max-width: 720px; margin-inline: auto; }
.hero p { font-size: 1.15rem; color: var(--color-text-muted); max-width: 640px; margin: var(--sp-3) auto var(--sp-5); }
.hero-cta { display: flex; gap: var(--sp-3); justify-content: center; flex-wrap: wrap; }
.feature-grid, .steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: var(--sp-5); }
.stat-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: var(--sp-4); margin-top: var(--sp-5); }
.stat { text-align: center; padding: var(--sp-5) var(--sp-3); }
.stat-value { font-size: 1.8rem; font-weight: 800; color: var(--color-primary); }
.stat-label { color: var(--color-text-muted); font-size: .9rem; }

/* App shell (portals) */
.surface-app { background: var(--color-bg); }
.app-shell { display: flex; min-height: 100vh; }
.app-sidebar { width: var(--sidebar-w); flex-shrink: 0; background: var(--color-surface); border-right: 1px solid var(--color-border); padding: var(--sp-4); display: flex; flex-direction: column; gap: var(--sp-4); position: fixed; top: 0; left: 0; height: 100vh; z-index: 40; overflow-y: auto; transition: transform var(--transition); }
.app-nav { display: flex; flex-direction: column; gap: var(--sp-1); flex: 1; }
.app-nav a { padding: var(--sp-2) var(--sp-3); border-radius: var(--radius); color: var(--color-text); font-weight: 500; }
.app-nav a:hover { background: var(--color-surface-alt); text-decoration: none; }
.app-nav a.active { background: color-mix(in srgb, var(--color-primary) 15%, transparent); color: var(--color-primary); font-weight: 700; }
.sidebar-footer { border-top: 1px solid var(--color-border); padding-top: var(--sp-3); display: flex; flex-direction: column; gap: var(--sp-2); font-size: .9rem; }
.app-content { flex: 1; min-width: 0; }
.app-topbar { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--sp-5); }
.section { margin-top: var(--sp-6); }
.divider { border: none; border-top: 1px solid var(--color-border); margin: var(--sp-5) 0; }

/* Footer */
.site-footer { background: var(--color-surface); border-top: 1px solid var(--color-border); margin-top: var(--sp-7); padding-top: var(--sp-6); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: var(--sp-5); padding-bottom: var(--sp-5); }
.footer-col { display: flex; flex-direction: column; gap: var(--sp-2); }
.footer-col h4 { font-size: 1rem; margin-bottom: var(--sp-1); }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: var(--sp-2); border-top: 1px solid var(--color-border); padding-top: var(--sp-4); padding-bottom: var(--sp-5); font-size: .85rem; }

/* Timeline */
.timeline { list-style: none; margin: 0; padding: 0; }
.timeline li { position: relative; padding: 0 0 var(--sp-4) var(--sp-5); border-left: 2px solid var(--color-border); margin-left: var(--sp-1); }
.timeline li:last-child { padding-bottom: 0; }
.timeline li::before { content: ""; position: absolute; left: -6px; top: 4px; width: 10px; height: 10px; border-radius: 50%; background: var(--color-primary); }
.money { font-variant-numeric: tabular-nums; font-weight: 600; }

/* Funnel bars */
.funnel-row { display: grid; grid-template-columns: 220px 1fr 60px; gap: var(--sp-3); align-items: center; margin-bottom: var(--sp-2); }
.funnel-track { height: 16px; border-radius: 6px; background: var(--color-surface-alt); overflow: hidden; }
.funnel-bar { height: 100%; border-radius: 6px; background: var(--color-primary); }

/* Tabs */
.tabs { display: flex; gap: var(--sp-2); border-bottom: 1px solid var(--color-border); margin-bottom: var(--sp-5); }
.tabs a { padding: var(--sp-2) var(--sp-4); margin-bottom: -1px; border-bottom: 2px solid transparent; color: var(--color-text-muted); font-weight: 600; }
.tabs a:hover { text-decoration: none; color: var(--color-text); }
.tabs a.active { border-bottom-color: var(--color-primary); color: var(--color-primary); }

@media (max-width: 820px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: minmax(0, 1fr); }
  .input-row { grid-template-columns: 1fr; }
  .header-inner { gap: var(--sp-3); }
  .footer-grid { grid-template-columns: minmax(0, 1fr); }
  .funnel-row { grid-template-columns: minmax(0, 1fr); }
}
/* ===== Marketing enrichment ===== */
/* Standalone helpers so components work outside their original scopes */
.eyebrow { color: var(--color-accent-hover); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; margin-bottom: var(--sp-2); }
.lead { font-size: 1.1rem; color: var(--color-text-muted); }
.feature-icon { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius); background: var(--gradient-primary); color: #fff; margin-bottom: var(--sp-3); }

/* Interior page hero */
.page-hero { background: var(--gradient-hero); border-bottom: 1px solid var(--color-border); padding: clamp(var(--sp-6), 7vw, var(--sp-8)); margin-bottom: var(--sp-7); }
.page-hero.center { text-align: center; }
.page-hero--spaced { margin-bottom: calc(var(--sp-7) + var(--sp-4)); }
.page-hero .badge-pill { margin-bottom: var(--sp-3); display: inline-flex; }
.page-hero h1 { margin-bottom: var(--sp-3); }
.page-hero .lead { max-width: 620px; margin: 0 auto var(--sp-5); }

/* Feature-card images */
.feature-card-img { width: calc(100% + var(--sp-5) * 2); max-width: none; margin: calc(var(--sp-5) * -1) calc(var(--sp-5) * -1) var(--sp-5); height: 150px; object-fit: cover; border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
@media (min-width: 640px) { .feature-card-img { height: 180px; } }

/* Showcase section */
.showcase-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; }
.showcase-media { position: relative; border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-xl); }
.showcase-media img { width: 100%; height: 380px; object-fit: cover; }
.showcase-float { position: absolute; left: var(--sp-4); bottom: var(--sp-4); padding: var(--sp-4) var(--sp-5); box-shadow: var(--shadow-lg); }
.showcase-float-main { display: flex; align-items: center; gap: var(--sp-2); font-family: var(--font-display); font-size: 1.4rem; font-weight: 700; color: var(--color-primary); }
.showcase-float-icon { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--color-primary-soft); color: var(--color-primary); flex: none; }
.showcase-float-note { margin-top: var(--sp-1); }
.showcase-copy h2 { margin-bottom: var(--sp-3); }
.showcase-copy > .muted { max-width: 520px; }
.showcase-points { display: flex; flex-direction: column; gap: var(--sp-4); margin: var(--sp-5) 0; }
.showcase-point { display: flex; gap: var(--sp-3); align-items: flex-start; }
.showcase-point h4 { margin: 0 0 2px; }
.showcase-point p { margin: 0; }
.showcase-point-icon { display: inline-grid; place-items: center; flex: none; width: 36px; height: 36px; border-radius: var(--radius-full); background: var(--color-accent-soft); color: var(--color-accent-hover); }
@media (min-width: 820px) { .showcase-grid { grid-template-columns: 1fr 1fr; } }

/* About preview strip (home) */
.about-preview { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); overflow: hidden; }
.about-preview-img { width: 100%; height: 260px; object-fit: cover; }
.about-preview-copy { padding: var(--sp-5); }
@media (min-width: 820px) { .about-preview { grid-template-columns: 1.1fr 1fr; } .about-preview-img { height: 340px; } }

/* About page */
.about-intro-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; }
.about-media { position: relative; border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-xl); }
.about-media > img { width: 100%; height: 320px; object-fit: cover; }
.about-media-card { position: absolute; left: var(--sp-4); right: var(--sp-4); bottom: var(--sp-4); max-width: 360px; padding: var(--sp-4) var(--sp-5); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.about-media-card .stat-value { font-size: 1.25rem; font-weight: 700; line-height: 1.2; }
.about-media-card .stat-label { overflow-wrap: anywhere; word-break: break-word; }
.about-copy h2 { margin-bottom: var(--sp-4); }
@media (min-width: 820px) { .about-intro-grid { grid-template-columns: 1fr 1fr; } .about-media > img { height: 400px; } }

/* Why grid */
.why-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-4); }
.why-item { display: flex; gap: var(--sp-4); align-items: flex-start; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-5); }
.why-item h3 { margin-bottom: 4px; }
.why-item p { margin: 0; }
.why-icon { display: inline-grid; place-items: center; flex: none; width: 44px; height: 44px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
@media (min-width: 640px) { .why-grid { grid-template-columns: 1fr 1fr; } }

/* About closing band */
.about-band { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; background: var(--gradient-primary); color: #fff; border-radius: var(--radius-xl); padding: var(--sp-7) var(--sp-5); overflow: hidden; margin-top: var(--sp-7); }
.about-band-copy h2 { color: #fff; margin-bottom: var(--sp-3); }
.about-band-copy p { opacity: .92; max-width: 560px; }
.about-band .btn-outline { border-color: #fff; color: #fff; }
.about-band .btn-outline:hover { background: rgba(255,255,255,.12); color: #fff; }
.about-band-img { width: 100%; height: 240px; object-fit: cover; border-radius: var(--radius-lg); }
@media (min-width: 820px) { .about-band { grid-template-columns: 1.2fr .8fr; padding: var(--sp-7); } .about-band-img { height: 300px; } }

/* Journey (how it works) */
.journey-list { display: flex; flex-direction: column; gap: var(--sp-5); }
.journey-item { display: grid; grid-template-columns: 1fr; background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); overflow: hidden; }
.journey-media img { width: 100%; height: 220px; object-fit: cover; }
.journey-body { padding: var(--sp-5); }
.journey-step { display: inline-block; color: var(--color-primary); font-weight: 700; font-size: .82rem; text-transform: uppercase; letter-spacing: .06em; margin-bottom: var(--sp-2); }
.journey-body h3 { margin-bottom: var(--sp-2); }
@media (min-width: 820px) { .journey-item { grid-template-columns: .9fr 1.1fr; } .journey-media img { height: 100%; min-height: 260px; } }

/* Check list */
.check-list { list-style: none; margin: var(--sp-3) 0 0; padding: 0; display: flex; flex-direction: column; gap: var(--sp-2); }
.check-list li { position: relative; padding-left: 26px; color: var(--color-text-muted); }
.check-list li::before { content: ''; position: absolute; left: 0; top: 4px; width: 16px; height: 16px; border-radius: var(--radius-full); background-color: var(--color-accent-soft); background-image: url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2316a34a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: center; background-size: 10px 10px; }

/* Legal / terms / privacy prose */
.content-prose h2 { font-size: 1.25rem; margin-top: var(--sp-7); }
.content-prose ul { margin: 0 0 var(--sp-3); padding-left: var(--sp-4); }
.content-prose li { margin-bottom: var(--sp-2); color: var(--color-text-muted); }
.content-prose strong { color: var(--color-text); }
.legal-intro { padding: var(--sp-5); }
.contact-list { list-style: none; padding-left: 0; }

/* Footer legal text below copyright */
.footer-copy { display: flex; flex-direction: column; gap: var(--sp-1); }
.footer-legal { margin: 0; font-size: .82rem; color: var(--color-text-subtle); max-width: 420px; }

/* ===== Contact page ===== */
.contact-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); align-items: start; margin-top: var(--sp-7); }
.contact-card { position: sticky; top: var(--sp-4); }
.contact-form textarea { min-height: 150px; }
/* Cloudflare Turnstile: let the widget fill (and never exceed) its field at any
   width. The widget renders a fixed 300px by default, which overflows the field
   on the narrowest handsets (<=360px viewports); there we scale it down so it
   still fits (data-size="flexible" already handles the 300–500px range). */
.cf-turnstile { width: 100%; max-width: 100%; }
.cf-turnstile iframe { width: 100% !important; }
@media (max-width: 359px) {
  .cf-turnstile { zoom: .85; }
}
.contact-list { list-style: none; margin: 0 0 var(--sp-4); padding: 0; display: flex; flex-direction: column; gap: var(--sp-4); }
.contact-row { display: flex; gap: var(--sp-4); align-items: flex-start; }
.contact-icon { display: inline-grid; place-items: center; flex: none; width: 46px; height: 46px; border-radius: var(--radius); background: var(--gradient-primary); color: #fff; box-shadow: var(--shadow-sm); }
.contact-body { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.contact-label { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-subtle); }
.contact-value { font-weight: 600; color: var(--color-text); word-break: break-word; }
.contact-address { line-height: 1.4; word-break: normal; }
.contact-side-cta { display: flex; gap: var(--sp-3); align-items: center; background: var(--color-primary-soft); border: 1px solid color-mix(in srgb, var(--color-primary) 18%, transparent); border-radius: var(--radius); padding: var(--sp-4) var(--sp-5); margin: var(--sp-2) 0 var(--sp-4); }
.contact-side-cta p { margin: 0; color: var(--color-text-muted); }
.contact-side-icon { display: inline-grid; place-items: center; flex: none; width: 38px; height: 38px; border-radius: var(--radius-full); background: var(--color-primary); color: #fff; }
@media (min-width: 820px) { .contact-grid { grid-template-columns: 1.15fr .85fr; } }

/* Contact intro */
.contact-intro { display: grid; grid-template-columns: 1fr; gap: var(--sp-6); align-items: center; }
.contact-intro-media { position: relative; border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-xl); }
.contact-intro-media img { width: 100%; height: 280px; object-fit: cover; }
.contact-intro-float { position: absolute; left: var(--sp-4); bottom: var(--sp-4); display: flex; gap: var(--sp-3); align-items: center; padding: var(--sp-4) var(--sp-5); box-shadow: var(--shadow-lg); }
.contact-intro-float-icon { display: inline-grid; place-items: center; flex: none; width: 40px; height: 40px; border-radius: var(--radius-full); background: var(--color-accent-soft); color: var(--color-accent-hover); }
.contact-intro-float-value { font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; line-height: 1.1; }
.contact-intro-float-label { color: var(--color-text-muted); font-size: .8rem; }
.contact-intro-copy h2 { margin-bottom: var(--sp-3); }
.contact-intro-copy .check-list { max-width: 480px; }
@media (min-width: 820px) { .contact-intro { grid-template-columns: 1fr 1fr; } .contact-intro-media img { height: 340px; } }

/* Contact topics */
.contact-topics .feature-grid { margin-top: var(--sp-2); }

/* ===== FAQ page ===== */
.faq-topics { display: grid; grid-template-columns: 1fr; gap: var(--sp-3); margin-bottom: var(--sp-6); }
.faq-topic { display: flex; align-items: center; gap: var(--sp-3); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); padding: var(--sp-4) var(--sp-5); color: var(--color-text); font-weight: 600; box-shadow: var(--shadow-sm); transition: box-shadow var(--transition), transform var(--transition), border-color var(--transition); }
.faq-topic:hover { text-decoration: none; color: var(--color-text); box-shadow: var(--shadow-lg); transform: translateY(-2px); border-color: color-mix(in srgb, var(--color-primary) 30%, var(--color-border)); }
.faq-topic-icon { display: inline-grid; place-items: center; flex: none; width: 44px; height: 44px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.faq-topic > span:nth-child(2) { flex: 1; }
.faq-topic-link { display: inline-grid; place-items: center; color: var(--color-text-muted); }
@media (min-width: 640px) { .faq-topics { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1080px) { .faq-topics { grid-template-columns: repeat(4, 1fr); } }

.faq-layout { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); align-items: start; }
.faq-main .accordion-item { scroll-margin-top: var(--header-h); }
.faq-rail { display: flex; flex-direction: column; gap: var(--sp-4); }
.faq-help-card { overflow: hidden; padding: 0; }
.faq-help-img { width: 100%; height: 150px; object-fit: cover; }
.faq-help-body { position: relative; padding: var(--sp-5); }
.faq-help-icon { position: absolute; top: calc(-1 * var(--sp-5)); right: var(--sp-5); display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: var(--radius); background: var(--gradient-primary); color: #fff; box-shadow: var(--shadow); }
.faq-help-body h3 { margin: var(--sp-5) var(--sp-6) var(--sp-2) 0; }
.faq-tip-card { display: flex; gap: var(--sp-4); align-items: flex-start; }
.faq-tip-icon { display: inline-grid; place-items: center; flex: none; width: 40px; height: 40px; border-radius: var(--radius); background: var(--color-accent-soft); color: var(--color-accent-hover); }
.faq-tip-card h4 { margin: 0 0 4px; }
.faq-tip-card p { margin: 0; }
@media (min-width: 1080px) { .faq-layout { grid-template-columns: minmax(0, 1fr) 360px; } }

/* ===== Notification banners (notice component) =====
 * Polished, app-style banner rendered by notice_block() / flash_notice() /
 * flash_block(). Used at the top of public, portal & admin pages and inline in
 * forms. A leading gradient rail, layered tint, gradient icon chip and refined
 * close affordance give it a premium feel in both themes.
 * Logical (inset-inline-*) properties keep it symmetric when the UI flips RTL. */
.notice {
  --notice-accent: var(--color-info);
  --notice-soft: color-mix(in srgb, var(--color-info) 15%, var(--color-surface));
  position: relative;
  display: flex; align-items: flex-start; gap: var(--sp-4);
  padding: var(--sp-4) var(--sp-4) var(--sp-4) var(--sp-5);
  border-radius: var(--radius-lg);
  border: 1px solid color-mix(in srgb, var(--notice-accent) 22%, transparent);
  background:
    linear-gradient(155deg, color-mix(in srgb, var(--notice-accent) 9%, transparent) 0%, transparent 52%),
    linear-gradient(180deg, color-mix(in srgb, var(--notice-accent) 3%, var(--color-surface)), var(--color-surface) 80%);
  box-shadow: var(--shadow-sm), inset 0 1px 0 var(--color-border);
  color: var(--color-text);
  font-size: .92rem; line-height: 1.5;
  margin: 0 0 var(--sp-5);
  overflow: hidden;
  animation: noticeIn .3s cubic-bezier(.2,.8,.2,1);
}
@keyframes noticeIn {
  from { opacity: 0; transform: translateY(-8px) scale(.985); }
  to   { opacity: 1; transform: none; }
}
/* Leading accent rail */
.notice::before {
  content: ""; position: absolute; inset-block: 0; inset-inline-start: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--notice-accent), color-mix(in srgb, var(--notice-accent) 42%, transparent));
}
.notice .notice-icon {
  flex: none; display: grid; place-items: center;
  width: 42px; height: 42px; margin-top: -1px; border-radius: 12px;
  background:
    radial-gradient(120% 120% at 24% 16%, color-mix(in srgb, var(--color-surface) 88%, transparent), transparent 60%),
    var(--notice-soft);
  color: var(--notice-accent);
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--notice-accent) 22%, transparent), 0 3px 6px color-mix(in srgb, var(--notice-accent) 18%, transparent);
}
.notice .notice-icon .icon { width: 22px; height: 22px; }
.notice .notice-msg {
  flex: 1; min-width: 0; align-self: center;
  font-weight: 600; letter-spacing: -.005em;
}
.notice-close {
  flex: none; display: grid; place-items: center;
  width: 32px; height: 32px; margin: -5px -6px 0 0;
  border: none; background: transparent; cursor: pointer;
  border-radius: 10px; color: var(--color-text-subtle); opacity: .8;
  transition: background var(--transition), color var(--transition), opacity var(--transition), transform var(--transition);
}
.notice-close:hover {
  opacity: 1; color: var(--color-text);
  background: color-mix(in srgb, currentColor 11%, transparent); transform: scale(1.05);
}
.notice-close:active { transform: scale(.96); }
.notice-close .icon { width: 16px; height: 16px; }

.notice--info    { --notice-accent: var(--color-info);    --notice-soft: color-mix(in srgb, var(--color-info) 15%, var(--color-surface)); }
.notice--success { --notice-accent: var(--color-success); --notice-soft: color-mix(in srgb, var(--color-success) 17%, var(--color-surface)); }
.notice--warning { --notice-accent: var(--color-warn);    --notice-soft: color-mix(in srgb, var(--color-warn) 18%, var(--color-surface)); }
.notice--danger  { --notice-accent: var(--color-danger);  --notice-soft: color-mix(in srgb, var(--color-danger) 14%, var(--color-surface)); }

/* Dark theme: soften the near-white hairline highlight. */
[data-theme="dark"] .notice { box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.06); }

@media (max-width: 480px) {
  .notice { padding: var(--sp-4); gap: var(--sp-3); }
  .notice .notice-icon { width: 38px; height: 38px; }
}
@media (prefers-reduced-motion: reduce) {
  .notice { animation: none; }
}

/* ===== Immersive auth (split-screen sign-in) ===== */
.auth-shell { min-height: 100vh; display: grid; grid-template-columns: 1fr; background: var(--color-surface); }

.auth-aside { position: relative; overflow: hidden; min-height: 250px; }
.auth-aside-media { position: absolute; inset: 0; }
.auth-aside-media img { width: 100%; height: 100%; object-fit: cover; }
.auth-aside-scrim {
  position: absolute; inset: 0;
  background: linear-gradient(160deg, rgba(8, 24, 50, .78), rgba(11, 95, 255, .72) 52%, rgba(0, 194, 168, .55));
}
.auth-aside-blob { position: absolute; border-radius: 50%; filter: blur(10px); pointer-events: none; }
.auth-aside-blob--1 { width: 340px; height: 340px; right: -110px; top: -90px; background: radial-gradient(circle, rgba(255,255,255,.32), transparent 68%); }
.auth-aside-blob--2 { width: 280px; height: 280px; left: -110px; bottom: -70px; background: radial-gradient(circle, rgba(0,194,168,.55), transparent 68%); }
.auth-aside-inner {
  position: relative; z-index: 2; height: 100%; color: #fff;
  display: flex; flex-direction: column; justify-content: space-between; gap: var(--sp-6);
  padding: var(--sp-6);
}
.brand--light { color: #fff; }
.brand--light .brand-name { color: #fff; }
.brand-mark--light { background: rgba(255,255,255,.16); color: #fff; border: 1px solid rgba(255,255,255,.38); box-shadow: none; }
.auth-aside .brand-logo { max-height: 42px; width: auto; filter: drop-shadow(0 2px 8px rgba(0,0,0,.4)); }
.auth-aside-copy h2 { color: #fff; font-size: clamp(1.45rem, 1rem + 1.6vw, 2rem); max-width: 480px; margin-bottom: var(--sp-2); }
.auth-aside-sub { color: rgba(255,255,255,.88); margin: 0 0 var(--sp-4); max-width: 460px; }
.auth-trust { list-style: none; margin: 0; padding: 0; display: none; grid-template-columns: 1fr; gap: var(--sp-3); max-width: 480px; }
.auth-trust li { display: flex; align-items: center; gap: var(--sp-3); color: #fff; font-weight: 500; }
.auth-trust-ic { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: var(--radius); background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.3); color: #fff; flex: none; }
.auth-aside-float {
  display: none; align-items: center; gap: var(--sp-3); max-width: 440px;
  padding: var(--sp-4) var(--sp-5); border-radius: var(--radius-lg);
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.34);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); box-shadow: var(--shadow-lg);
}
.auth-aside-float-icon { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius-full); background: #fff; color: var(--color-primary); flex: none; }
.auth-aside-float-value { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; line-height: 1.2; color: #fff; }
.auth-aside-float-label { color: rgba(255,255,255,.85); font-size: .82rem; }

.auth-main { position: relative; display: flex; align-items: center; justify-content: center; padding: var(--sp-7) var(--sp-4) var(--sp-6); }
.auth-lang { position: absolute; top: var(--sp-5); right: var(--sp-5); z-index: 5; }
.auth-panel { width: 100%; max-width: 420px; }

.auth-eyebrow {
  display: inline-flex; align-items: center; gap: var(--sp-2); font-size: .76rem;
  font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
  color: var(--color-accent-hover); background: var(--color-accent-soft);
  padding: .34rem .72rem; border-radius: var(--radius-full); margin-bottom: var(--sp-3);
}
.auth-title { font-size: clamp(1.7rem, 3vw, 2.05rem); margin-bottom: var(--sp-2); }
.auth-sub { color: var(--color-text-muted); margin: 0; }
.auth-form .notice { margin-top: var(--sp-5); }

/* Form fields with leading icon / trailing toggle */
.input-group { position: relative; }
.input-group .input-icon { position: absolute; left: .85rem; top: 50%; transform: translateY(-50%); color: var(--color-text-subtle); display: grid; place-items: center; pointer-events: none; }
.input-group input { padding-left: 2.6rem; }
.input-group:has(.input-toggle) input { padding-right: 2.9rem; }
.input-group .input-toggle {
  position: absolute; right: .4rem; top: 50%; transform: translateY(-50%);
  display: grid; place-items: center; width: 38px; height: 38px; border: none;
  background: transparent; color: var(--color-text-subtle); cursor: pointer;
  border-radius: var(--radius); transition: background var(--transition), color var(--transition);
}
.input-group .input-toggle:hover { background: var(--color-surface-2); color: var(--color-text); }
.input-group .input-toggle .icon { pointer-events: none; }
.label-row { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); }
.label-row label { margin-bottom: var(--sp-1); }
.auth-link { font-size: .85rem; font-weight: 600; }
.auth-options { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--sp-4); }

.auth-divider { display: flex; align-items: center; gap: var(--sp-3); color: var(--color-text-subtle); font-size: .78rem; margin: var(--sp-5) 0 var(--sp-4); }
.auth-divider::before, .auth-divider::after { content: ""; flex: 1; height: 1px; background: var(--color-border); }
.auth-foot { margin: 0; }
.auth-foot-center { text-align: center; margin: var(--sp-4) 0 0; font-size: .9rem; color: var(--color-text-muted); }
.auth-aside-caption { text-align: center; margin: var(--sp-7) 0 0; color: var(--color-text-subtle); font-size: .78rem; }

@media (min-width: 900px) {
  .auth-shell { grid-template-columns: minmax(0, 46%) 1fr; }
  .auth-aside { min-height: 100vh; }
  .auth-aside-inner { justify-content: center; gap: var(--sp-7); }
  .auth-trust { display: grid; }
  .auth-aside-float { display: flex; }
  .auth-panel { max-width: 440px; }
}


/* ============================================================
   Application wizard (public /apply) — 5-step client creation
   ============================================================ */
.apply-shell { display: grid; gap: var(--sp-6); align-items: start; margin: -var(--sp-4) auto 0; }

.apply-aside {
  position: relative; overflow: hidden; border-radius: var(--radius-lg, 18px);
  padding: var(--sp-7); color: #fff; isolation: isolate;
  background: linear-gradient(150deg, #0b5fff 0%, #0a4fd6 45%, #00aae6 100%);
  box-shadow: var(--shadow-lg);
}
.apply-aside-glow { position: absolute; inset: 0; z-index: -1; opacity: .5;
  background: radial-gradient(420px 260px at 100% 0%, rgba(255,255,255,.35), transparent 60%),
              radial-gradient(380px 300px at 0% 100%, rgba(0,194,168,.55), transparent 55%); }
.apply-aside-top { position: relative; z-index: 1; }
.apply-aside-eyebrow { display: inline-flex; align-items: center; gap: var(--sp-1);
  font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; opacity: .9; }
.apply-aside-title { font-size: clamp(1.35rem, 2.6vw, 1.7rem); line-height: 1.2; margin: var(--sp-2) 0; }
.apply-aside-sub { font-size: .92rem; opacity: .92; margin: 0; }

.apply-quote {
  margin: var(--sp-6) 0; padding: var(--sp-5); border-radius: var(--radius-lg, 14px);
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.22);
  backdrop-filter: blur(4px);
}
.apply-quote-amount { display: flex; align-items: baseline; gap: var(--sp-2); border-bottom: 1px solid rgba(255,255,255,.3); padding-bottom: var(--sp-3); }
.apply-quote-currency { font-size: calc(clamp(1.8rem,4vw,2.6rem)); font-weight: 800; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.apply-quote-value { font-size: calc(clamp(1.8rem,4vw,2.6rem)); font-weight: 800; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.apply-quote-rows { margin-top: var(--sp-3); display: grid; gap: var(--sp-2); }
.apply-quote-row { display: flex; justify-content: space-between; align-items: baseline; gap: var(--sp-2) var(--sp-3); flex-wrap: wrap; font-size: .9rem; }
.apply-quote-label { display: inline-flex; align-items: center; gap: var(--sp-1); opacity: .92; min-width: 0; white-space: normal; }
.apply-quote-label .icon { opacity: .9; flex: none; }
.apply-quote-value-sm { font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; flex: none; text-align: right; }

.apply-aside-trust { list-style: none; margin: 0 0 var(--sp-4); padding: 0; display: grid; gap: var(--sp-3); }
.apply-aside-trust li { display: flex; align-items: center; gap: var(--sp-2); font-size: .9rem; }
.apply-aside-trust-ic { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: rgba(255,255,255,.2); flex: none; }
.apply-aside-note { display: flex; gap: var(--sp-2); font-size: .78rem; line-height: 1.5; opacity: .85; }
.apply-aside-note .icon { flex: none; margin-top: 2px; }
.apply-step-progress { height: 5px; border-radius: 999px; background: rgba(255,255,255,.25); overflow: hidden; margin-top: var(--sp-5); }
.apply-progress-fill { display: block; height: 100%; width: 20%; background: #fff; border-radius: 999px; transition: width .35s ease; }

.apply-main { min-width: 0; }
.apply-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg, 18px); box-shadow: var(--shadow); padding: clamp(var(--sp-5), 4vw, var(--sp-8)); }
.apply-head h1 { font-size: clamp(1.6rem, 3vw, 2rem); margin: 0 0 var(--sp-1); }
.apply-sub { color: var(--color-text-muted); margin: 0 0 var(--sp-6); }

/* Required-field indicators (red asterisk on labels) */
.apply-form label.required::after { content: ' *'; color: var(--color-danger); font-weight: 700; }

/* Stepper */
.apply-stepper { list-style: none; margin: 0 0 var(--sp-7); padding: 0; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: var(--sp-1); counter-reset: applystep; }
.apply-stepper li { position: relative; text-align: center; min-width: 0; }
.apply-stepper li .apply-step-num { margin-inline: auto; }
.apply-stepper li + li::before { content: ""; position: absolute; top: 16px; left: calc(-50% + 16px); width: calc(100% - 32px); height: 2px; background: var(--color-surface-3); z-index: 0; }
.apply-stepper li.is-done + li::before { background: var(--color-primary); }
.apply-step-num { position: relative; z-index: 1; display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 50%;
  background: var(--color-surface-2); border: 2px solid var(--color-border-strong); color: var(--color-text-muted); font-weight: 700; font-size: .9rem; transition: all var(--transition); }
.apply-stepper li.is-active .apply-step-num { background: var(--color-primary); border-color: var(--color-primary); color: var(--color-primary-contrast); box-shadow: 0 0 0 5px var(--color-primary-soft); }
.apply-stepper li.is-done .apply-step-num { background: var(--color-primary-soft); border-color: var(--color-primary); color: var(--color-primary); }
.apply-step-meta { display: block; margin-top: var(--sp-2); }
.apply-step-meta strong { display: block; font-size: .8rem; line-height: 1.2; }

/* Step panels & section headers */
.apply-step { animation: applyFade .3s ease; }
.apply-step-head { display: flex; align-items: flex-start; gap: var(--sp-3); margin-bottom: var(--sp-6); }
.apply-step-icon { display: grid; place-items: center; width: 44px; height: 44px; flex: none; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.apply-step-head h3 { margin: 0; font-size: 1.15rem; }
.apply-step-head p { margin: var(--sp-1) 0 0; color: var(--color-text-muted); font-size: .88rem; }
.apply-group { margin-top: var(--sp-6); padding-top: var(--sp-4); border-top: 1px solid var(--color-border); }
.apply-group:first-of-type { margin-top: 0; padding-top: 0; border-top: 0; }
.apply-group-title { display: flex; align-items: center; gap: var(--sp-2); margin: 0 0 var(--sp-3); font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--color-primary); }
.apply-group-title svg { color: var(--color-primary); }
@keyframes applyFade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

/* Amount presets + term slider */
.amount-presets { display: flex; flex-wrap: wrap; gap: var(--sp-2); margin-top: var(--sp-2); }
.amount-preset { border: 1px solid var(--color-border-strong); background: var(--color-surface-2); color: var(--color-text); font-weight: 600; font-size: .84rem; padding: .4rem .8rem; border-radius: var(--radius-full); cursor: pointer; transition: all var(--transition); }
.amount-preset:hover { background: var(--color-primary-soft); border-color: var(--color-primary); color: var(--color-primary); }
.term-range { width: 100%; margin-top: var(--sp-3); accent-color: var(--color-primary); }

/* Employment status cards */
.employment-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(130px, 1fr)); gap: var(--sp-2); }
.employment-card { cursor: pointer; }
.employment-card input { position: absolute; opacity: 0; pointer-events: none; }
.employment-card-inner { display: flex; flex-direction: column; align-items: center; gap: var(--sp-2); text-align: center; padding: var(--sp-4) var(--sp-2);
  border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-surface-2); transition: all var(--transition); }
.employment-card-inner .icon { width: 22px; height: 22px; }
.employment-card:hover .employment-card-inner { border-color: var(--color-primary); }
.employment-card input:checked + .employment-card-inner { border-color: var(--color-primary); background: var(--color-primary-soft); color: var(--color-primary); box-shadow: 0 0 0 2px var(--color-primary) inset; font-weight: 600; }
.employment-card-ic { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--color-surface); }

/* Password strength */
.pw-strength { display: flex; align-items: center; gap: var(--sp-2); margin-top: var(--sp-2); }
.pw-strength-bars { display: flex; gap: 3px; flex: none; }
.pw-strength-bars i { display: inline-block; width: 26px; height: 4px; border-radius: 99px; background: var(--color-surface-3); transition: background var(--transition); }
.pw-strength-bars i.on { background: var(--color-success); }
.pw-strength small { font-size: .78rem; color: var(--color-text-muted); }

.apply-note { display: flex; align-items: flex-start; gap: var(--sp-2); padding: var(--sp-3) var(--sp-4); border-radius: var(--radius);
  background: var(--color-accent-soft); color: var(--color-text); font-size: .85rem; line-height: 1.5; margin-top: var(--sp-4); }
.apply-note .icon { flex: none; margin-top: 2px; color: var(--color-accent); }

/* Terms & conditions box */
.apply-terms { max-height: 400px; overflow-y: auto; border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-surface-2); padding: var(--sp-4); margin-bottom: var(--sp-4); }
.apply-terms-intro { margin: 0 0 var(--sp-3); font-size: .85rem; line-height: 1.5; }
.apply-terms-list { margin: 0; padding-left: 1.1em; display: grid; gap: var(--sp-3); }
.apply-terms-list h4 { margin: 0 0 var(--sp-1); font-size: .9rem; }
.apply-terms-list p { margin: 0; font-size: .82rem; line-height: 1.55; color: var(--color-text-muted); }

/* Disabled primary action (until terms are accepted) */
.apply-actions .btn:disabled { opacity: .55; cursor: not-allowed; filter: saturate(.55); }

/* Review summary */
.apply-review { display: grid; gap: var(--sp-4); margin-bottom: var(--sp-5); }
.apply-review-group { border: 1px solid var(--color-border); border-radius: var(--radius-lg, 14px); overflow: hidden; }
.apply-review-group h4 { display: flex; align-items: center; gap: var(--sp-2); margin: 0; padding: var(--sp-3) var(--sp-4); font-size: .85rem; text-transform: uppercase; letter-spacing: .04em; color: var(--color-primary); background: var(--color-primary-soft); }
.apply-review-group dl { margin: 0; }
.apply-review-group dl > div { display: grid; grid-template-columns: 1fr 1.4fr; gap: var(--sp-2); padding: var(--sp-2) var(--sp-4); border-top: 1px solid var(--color-border); }
.apply-review-group dt { color: var(--color-text-muted); font-size: .84rem; }
.apply-review-group dd { margin: 0; font-weight: 600; font-size: .88rem; text-align: right; word-break: break-word; }

/* Consent */
[data-terms-box].is-invalid { color: var(--color-danger); }
[data-terms-box].is-invalid a { color: inherit; }

/* Actions */
.apply-actions { display: flex; gap: var(--sp-3); justify-content: space-between; margin-top: var(--sp-7); padding-top: var(--sp-6); border-top: 1px solid var(--color-border); }
.apply-actions [data-apply-next], .apply-actions [data-apply-submit] { margin-left: auto; }
.apply-actions .btn { min-width: 150px; }

/* ============================================================
   Verification screens (auth layout)
   ============================================================ */
.auth-form--center { text-align: center; }
.auth-eyebrow--center { justify-content: center; }
.auth-title--center { text-align: center; }
.auth-sub--center { text-align: center; margin: 0 auto; }
.verify-visual { display: grid; place-items: center; margin: var(--sp-2) auto var(--sp-5); }
.verify-visual-ring { display: grid; place-items: center; width: 92px; height: 92px; border-radius: 50%;
  background: var(--color-primary-soft); color: var(--color-primary); box-shadow: 0 0 0 12px var(--color-surface-2); }
.verify-visual--ok .verify-visual-ring { background: var(--color-accent-soft); color: var(--color-accent); }
.verify-visual--bad .verify-visual-ring { background: var(--color-danger); color: #fff; }
.verify-target { display: inline-flex; align-items: center; gap: var(--sp-2); margin: var(--sp-5) 0;
  padding: .5rem 1rem; border-radius: var(--radius-full); background: var(--color-surface-2); border: 1px dashed var(--color-border-strong); font-weight: 600; font-size: .9rem; }
.verify-steps { text-align: left; margin: 0 auto var(--sp-5); max-width: 300px; display: grid; gap: var(--sp-2); }
.verify-steps p { display: flex; align-items: center; gap: var(--sp-2); margin: 0; font-size: .9rem; color: var(--color-text-muted); }
.verify-steps p span { display: grid; place-items: center; width: 22px; height: 22px; border-radius: 50%; background: var(--color-accent-soft); color: var(--color-accent); flex: none; }
.verify-resend { margin-top: var(--sp-3); }
.auth-form .btn-block + .auth-foot-center { margin-top: var(--sp-4); }

/* ============================================================
   Responsive — application wizard
   ============================================================ */
@media (min-width: 880px) {
  .apply-shell { grid-template-columns: minmax(280px, 38%) 1fr; gap: var(--sp-7); }
  .apply-aside { position: sticky; top: var(--sp-6); }
}
@media (max-width: 640px) {
  .apply-stepper { grid-template-columns: repeat(5, minmax(0, 1fr)); }
  .apply-card { padding: var(--sp-5); }
  .apply-actions { flex-wrap: wrap; }
  .apply-actions .btn { flex: 1 1 100%; }
  .apply-review-group dl > div { grid-template-columns: 1fr; text-align: left; }
  .apply-review-group dd { text-align: left; }
}
/* Number-only stepper on very small handsets — labels exceed the narrow track. */
@media (max-width: 480px) {
  .apply-step-meta { display: none; }
}

/* ============================================================
   Client portal — application detail & document upload (redesign)
   ============================================================ */
.mono-ref { font-family: var(--font-mono); font-weight: 600; letter-spacing: .02em; }

/* Danger ("ghost") button for withdraw */
.btn-danger-ghost { color: var(--color-danger); border-color: color-mix(in srgb, var(--color-danger) 30%, transparent); }
.btn-danger-ghost:hover { background: color-mix(in srgb, var(--color-danger) 10%, transparent); border-color: var(--color-danger); color: var(--color-danger); }

/* Larger status badge */
.badge-lg { padding: .4rem .9rem; font-size: .82rem; }
.badge .status-dot { width: 7px; height: 7px; border-radius: var(--radius-full); background: currentColor; display: inline-block; }

/* Lifecycle card */
.app-lifecycle { background: linear-gradient(180deg, var(--color-surface) 0%, var(--color-surface-2) 100%); }
.app-lifecycle-head,
.app-terminal { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); flex-wrap: wrap; }
.app-lifecycle-title { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700; }
.app-lifecycle-title .icon { color: var(--color-primary); }

/* Lifecycle stepper. The column count comes from --steps (set inline from the
   number of rendered nodes) so an optional node — the insurance step — keeps
   the whole flow on ONE row instead of wrapping onto a second line. */
.stepper { list-style: none; display: grid; grid-template-columns: repeat(var(--steps, 5), minmax(0, 1fr)); gap: var(--sp-1); margin: var(--sp-4) 0 0; padding: 0; }
.stepper-step { position: relative; display: flex; flex-direction: column; align-items: center; gap: var(--sp-2); text-align: center; min-width: 0; }
/* Connector runs dot-to-dot: fixed px offsets keep it anchored to the 32px dot
   whatever the column count or card width; logical (inset-inline-*) sides keep
   it pointing at the NEXT step when the UI flips RTL. */
.stepper-step:not(:last-child)::after { content: ""; position: absolute; top: 15px; inset-inline-start: calc(50% + 18px); inset-inline-end: calc(-50% + 18px); height: 2px; background: var(--color-border-strong); z-index: 0; }
.stepper-step.is-done:not(:last-child)::after { background: var(--color-success); }
.stepper-step.is-current:not(:last-child)::after { background: var(--gradient-primary); }
.stepper-dot { position: relative; z-index: 1; width: 32px; height: 32px; flex: none; border-radius: var(--radius-full); background: var(--color-surface); color: var(--color-text-muted); border: 2px solid var(--color-border-strong); display: inline-grid; place-items: center; font-weight: 700; font-size: .85rem; }
.stepper-step.is-done .stepper-dot { background: var(--color-success); border-color: var(--color-success); color: #fff; }
.stepper-step.is-current .stepper-dot { background: var(--color-primary); border-color: var(--color-primary); color: #fff; box-shadow: 0 0 0 4px var(--color-ring); }
.stepper-label { font-size: .8rem; font-weight: 600; color: var(--color-text-muted); line-height: 1.2; overflow-wrap: break-word; min-width: 0; }
.stepper-step.is-current .stepper-label { color: var(--color-text); font-weight: 700; }
.stepper-step.is-done .stepper-label { color: var(--color-success); }
@media (max-width: 640px) { .stepper-label { font-size: .72rem; } }
/* Narrow screens: 5–6 columns squeeze every label under its own dot, so the
   flow stacks vertically (dot column + label beside it) and stays legible. */
@media (max-width: 560px) {
  .stepper { grid-template-columns: minmax(0, 1fr); gap: var(--sp-3); }
  .stepper-step { flex-direction: row; align-items: flex-start; gap: var(--sp-3); text-align: start; }
  .stepper-label { font-size: .82rem; padding-top: 6px; }
  .stepper-step:not(:last-child)::after { top: 32px; inset-inline-start: 15px; inset-inline-end: auto; width: 2px; height: calc(100% - 32px + var(--sp-3)); }
}

/* Terminal state card */
.app-terminal { justify-content: flex-start; }
.app-terminal-icon { width: 48px; height: 48px; border-radius: var(--radius-lg); background: color-mix(in srgb, var(--color-danger) 12%, transparent); color: var(--color-danger); display: inline-grid; place-items: center; flex: none; }

/* Repayment preview */
.app-preview-row { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); padding: var(--sp-4); margin-bottom: var(--sp-4); border-radius: var(--radius-lg); background: var(--gradient-primary); color: #fff; }
.app-preview-label { display: block; font-size: .8rem; opacity: .9; }
.app-preview-value { display: block; font-size: 1.6rem; font-weight: 800; font-family: var(--font-display); }

/* "What happens next" callout */
.app-next { display: flex; align-items: flex-start; gap: var(--sp-4); background: linear-gradient(135deg, var(--color-primary-soft) 0%, var(--color-surface) 62%); border: 1px solid var(--color-border); border-left: 4px solid var(--color-primary); box-shadow: var(--shadow-sm); }
.app-next-icon { width: 42px; height: 42px; border-radius: var(--radius); background: var(--color-surface); color: var(--color-primary); display: inline-grid; place-items: center; flex: none; }
.app-next-title { font-weight: 700; margin-bottom: 2px; }
/* Accepted document kinds inside the "What happens next" callout */
.app-next-accept { margin-top: var(--sp-4); padding-top: var(--sp-4); border-top: 1px dashed var(--color-border); display: flex; flex-direction: column; gap: var(--sp-3); }
.app-next-accept-label { display: inline-flex; align-items: center; gap: .45rem; font-weight: 700; font-size: .86rem; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .03em; }
.app-next-accept-label .icon { color: var(--color-primary); flex: none; }
.app-next-accept-list { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--sp-3); grid-template-columns: minmax(0, 1fr); }
@media (min-width: 640px) { .app-next-accept-list { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.app-next-accept-item { padding: var(--sp-3) var(--sp-4); border: 1px solid var(--color-border); border-left: 3px solid var(--color-primary); border-radius: var(--radius); background: var(--color-surface); display: flex; flex-direction: column; gap: var(--sp-2); }
.app-next-accept-name { font-size: .9rem; }
.app-next-accept-kinds { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: .4rem; }
.app-next-accept-kinds li { font-size: .78rem; font-weight: 600; color: var(--color-primary); background: var(--color-primary-soft); padding: .2rem .6rem; border-radius: var(--radius-full); }
/* Document grid + tiles */
.doc-grid { display: grid; gap: var(--sp-4); grid-template-columns: minmax(0, 1fr); }
.doc-tile { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-4); border: 1px solid var(--color-border); border-radius: var(--radius-lg); background: var(--color-surface); transition: border-color var(--transition), box-shadow var(--transition); flex-wrap: wrap; min-width: 0; }
.doc-tile-top { display: flex; align-items: center; gap: var(--sp-3); flex: 1; min-width: 0; }
.doc-tile-icon { width: 40px; height: 40px; border-radius: var(--radius); background: var(--color-surface-2); color: var(--color-text-subtle); display: inline-grid; place-items: center; flex: none; }
.doc-tile-body { display: flex; flex-direction: column; align-items: flex-start; gap: var(--sp-1); min-width: 0; flex: 1; }
.doc-tile-name { font-weight: 600; }
.doc-tile-file { display: flex; align-items: center; gap: var(--sp-2); margin-top: var(--sp-1); width: fit-content; max-width: 100%; min-width: 0; overflow: hidden; padding: .32rem .85rem; border-radius: var(--radius-full); background: var(--color-surface-2); border: 1px solid var(--color-border); box-shadow: var(--shadow-sm); font-size: .76rem; font-weight: 600; color: var(--color-text); }
.doc-tile-file .icon { flex: none; color: var(--color-primary); }
.doc-tile-file-name { flex: 1 1 auto; min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.doc-tile.is-missing { border-style: dashed; background: color-mix(in srgb, var(--color-danger) 3%, transparent); }
.doc-tile.is-missing .doc-tile-icon { background: color-mix(in srgb, var(--color-danger) 12%, transparent); color: var(--color-danger); }
.doc-tile.is-uploaded { border-left: 3px solid var(--color-warn); }
.doc-tile.is-uploaded .doc-tile-icon { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.doc-tile.is-verified { border-left: 3px solid var(--color-success); }
.doc-tile.is-verified .doc-tile-icon { background: color-mix(in srgb, var(--color-success) 14%, transparent); color: var(--color-success); }
.doc-tile.is-rejected { border-left: 3px solid var(--color-danger); background: color-mix(in srgb, var(--color-danger) 4%, var(--color-surface)); }
.doc-tile.is-rejected .doc-tile-icon { background: color-mix(in srgb, var(--color-danger) 13%, transparent); color: var(--color-danger); }
.doc-tile .doc-reject-note { display: flex; align-items: flex-start; gap: .35rem; margin-top: var(--sp-2); color: var(--color-danger); font-size: .82rem; font-weight: 600; }
.doc-tile .doc-reject-note .icon { flex: none; margin-top: 2px; }
@media (min-width: 640px) { .doc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* Progress summary */
.app-progress { background: var(--color-surface-2); }
.app-progress-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); margin-bottom: var(--sp-3); }
.app-progress-label { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700; }
.app-progress-label .icon { color: var(--color-primary); }
.app-progress-pct { font-weight: 800; font-size: 1.3rem; font-family: var(--font-display); color: var(--color-primary); }
.progress-track { height: 10px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.progress-bar { height: 100%; border-radius: var(--radius-full); background: var(--gradient-primary); transition: width .35s ease; }

/* Upload drop zone + pick */
.upload-form { margin-bottom: var(--sp-4); }
.upload-drop { display: flex; flex-direction: column; align-items: center; gap: var(--sp-2); justify-content: center; padding: var(--sp-6) var(--sp-4); border: 2px dashed var(--color-border-strong); border-radius: var(--radius-lg); background: var(--color-surface-2); cursor: pointer; text-align: center; transition: border-color var(--transition), background var(--transition); }
.upload-drop:hover { border-color: var(--color-primary); background: var(--color-primary-soft); }
.upload-drop-icon { color: var(--color-accent-hover); }
.upload-drop-text { font-weight: 600; }
.upload-pick { display: grid; gap: var(--sp-3); }
@media (min-width: 640px) { .upload-pick { grid-template-columns: 1fr 1.4fr; } }

/* Timeline dots */
.tl-marker { width: 14px; height: 14px; border-radius: var(--radius-full); background: var(--color-surface); border: 2px solid var(--color-border-strong); display: inline-grid; place-items: center; color: #fff; }
.tl-marker--current { background: var(--color-success); border-color: var(--color-success); }
.timeline li { position: relative; padding-left: var(--sp-5); }
.timeline li .tl-marker { position: absolute; left: -7px; top: 4px; }
/* Step-hero status pill */
.app-status { display: inline-flex; align-items: center; gap: .45rem; padding: .4rem .95rem; border-radius: var(--radius-full); font-size: .82rem; font-weight: 700; letter-spacing: .01em; border: 1px solid transparent; white-space: nowrap; }
.app-status-dot { width: 8px; height: 8px; border-radius: var(--radius-full); background: currentColor; box-shadow: 0 0 0 3px color-mix(in srgb, currentColor 22%, transparent); }
.app-status--neutral { background: var(--color-surface-3); color: var(--color-text-muted); border-color: var(--color-border-strong); }
.app-status--warn { background: color-mix(in srgb, var(--color-warn) 15%, transparent); color: var(--color-warn); border-color: color-mix(in srgb, var(--color-warn) 32%, transparent); }
.app-status--info { background: color-mix(in srgb, var(--color-info) 15%, transparent); color: var(--color-info); border-color: color-mix(in srgb, var(--color-info) 32%, transparent); }
.app-status--success { background: color-mix(in srgb, var(--color-success) 15%, transparent); color: var(--color-success); border-color: color-mix(in srgb, var(--color-success) 32%, transparent); }
.app-status--active { background: var(--color-primary-soft); color: var(--color-primary); border-color: color-mix(in srgb, var(--color-primary) 30%, transparent); }
.app-status--danger { background: color-mix(in srgb, var(--color-danger) 15%, transparent); color: var(--color-danger); border-color: color-mix(in srgb, var(--color-danger) 32%, transparent); }

/* What-happens-next graphic callout — the icon gets its own grid column so it
   never squeezes the message text (grid overrides the flex base declared above). */
.app-next { align-items: flex-start; display: grid; grid-template-columns: auto minmax(0, 1fr); }
.app-next-graphic { display: inline-flex; align-items: flex-start; }
.app-next-graphic:empty { display: none; }
.app-g { width: 46px; height: 46px; border-radius: 13px; display: inline-grid; place-items: center; border: 2px solid var(--color-surface); transform: none; }
.app-g--go { background: var(--gradient-primary); color: #fff; }
.app-next-body { min-width: 0; }
/* On small screens the icon takes its own full-width slot above the message. */
@media (max-width: 600px) {
  .app-next { grid-template-columns: 1fr; }
  .app-next-graphic { justify-content: flex-start; }
}
.app-next-title { font-weight: 700; font-size: 1.02rem; margin-bottom: 2px; }

/* Mini progress (pending documents) */
.app-mini-progress { display: flex; align-items: center; gap: var(--sp-3); max-width: 320px; margin-top: var(--sp-1); }
.app-mini-track { flex: 1; height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.app-mini-bar { height: 100%; background: var(--gradient-primary); border-radius: inherit; transition: width .3s ease; }
.app-mini-count { font-size: .82rem; font-weight: 700; color: var(--color-text-muted); }

/* Per-requirement inline upload */
.tile-upload { width: 100%; display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-2); margin-top: var(--sp-3); border-top: 1px dashed var(--color-border); padding-top: var(--sp-3); }
.tile-file-field { position: relative; display: inline-flex; align-items: center; gap: var(--sp-2); }
.tile-file-input { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; }
.tile-file-btn { display: inline-flex; align-items: center; gap: var(--sp-2); padding: .5rem .85rem; border: 1px dashed var(--color-border-strong); border-radius: var(--radius); background: var(--color-surface); font-size: .82rem; font-weight: 600; color: var(--color-text); transition: border-color var(--transition), background var(--transition); }
.tile-file-field:hover .tile-file-btn { border-color: var(--color-primary); background: var(--color-primary-soft); color: var(--color-primary); }
.tile-file-name { font-size: .78rem; color: var(--color-text-subtle); max-width: 150px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.tile-progress { width: 100%; display: flex; flex-direction: column; align-items: stretch; gap: var(--sp-1); margin-top: var(--sp-2); }
.tile-progress[hidden] { display: none; }
.tile-status { font-size: .78rem; font-weight: 600; color: var(--color-text-muted); display: inline-flex; align-items: center; gap: var(--sp-2); }
.tile-status::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--color-primary); animation: tlPulse 1s ease-in-out infinite; }
@keyframes tlPulse { 0%,100% { opacity: 1; } 50% { opacity: .35; } }
.tile-track { height: 10px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.tile-bar { height: 100%; width: 0; background: var(--gradient-primary); border-radius: inherit; transition: width .15s linear; }
.tile-percent { align-self: flex-end; font-size: .76rem; font-weight: 700; color: var(--color-primary); font-variant-numeric: tabular-nums; }
.tile-upload-msg { width: 100%; font-size: .82rem; font-weight: 600; }
.tile-upload-msg.is-ok { color: var(--color-success); }
.tile-upload-msg.is-err { color: var(--color-danger); }

/* doc-tile-top wrapper for the missing tiles */
.doc-tile .doc-tile-top { display: flex; align-items: center; gap: var(--sp-3); flex: 1; min-width: 0; }
/* Richer status timeline */
.tl-track { position: relative; }
.tl-track::before { content: ""; position: absolute; left: 15px; top: 12px; bottom: 6px; width: 2px; border-radius: 2px; background: linear-gradient(var(--color-border-strong) 0%, var(--color-primary) 90%); }
.tl-item { position: relative; display: flex; align-items: flex-start; gap: var(--sp-5); padding-bottom: var(--sp-5); }
.tl-item:last-child { padding-bottom: 0; }
.tl-node { position: relative; z-index: 1; flex: none; width: 30px; height: 30px; margin-top: 2px; border-radius: 50%; background: var(--color-surface); border: 2px solid var(--color-border-strong); color: var(--color-text-subtle); display: inline-grid; place-items: center; box-shadow: var(--shadow-sm); }
.tl-item.is-latest .tl-node { box-shadow: 0 0 0 4px var(--color-ring); }
.tl--neutral { background: var(--color-surface); border-color: var(--color-border-strong); color: var(--color-text-subtle); }
.tl--warn { background: var(--color-warn); border-color: var(--color-warn); color: #fff; }
.tl--info { background: var(--color-info); border-color: var(--color-info); color: #fff; }
.tl--active { background: var(--color-primary); border-color: var(--color-primary); color: #fff; }
.tl--success { background: var(--color-success); border-color: var(--color-success); color: #fff; }
.tl--danger { background: var(--color-danger); border-color: var(--color-danger); color: #fff; }
.tl-body { flex: 1; min-width: 0; }
.tl-card { position: relative; background: var(--color-surface); border: 1px solid var(--color-border); border-left: 3px solid var(--color-border-strong); border-radius: var(--radius); padding: var(--sp-3) var(--sp-4); box-shadow: var(--shadow-sm); transition: transform var(--transition), box-shadow var(--transition); }
.tl-card:hover { transform: translateY(-1px); box-shadow: var(--shadow); }
.tl-item.is-latest .tl-card { border-left-color: var(--color-primary); box-shadow: var(--shadow); }
.tl-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; }
.tl-title { font-weight: 700; font-size: .92rem; }
.tl-time { display: inline-flex; align-items: center; gap: var(--sp-1); font-size: .72rem; font-weight: 600; color: var(--color-text-muted); background: var(--color-surface-2); border: 1px solid var(--color-border); padding: .2rem .6rem; border-radius: var(--radius-full); font-variant-numeric: tabular-nums; white-space: nowrap; }
.tl-note { margin: var(--sp-1) 0 0; font-size: .84rem; color: var(--color-text-muted); }
@media (max-width: 640px) {
  .tl-head { flex-direction: column; align-items: flex-start; gap: var(--sp-1); }
}

/* Uploaded document tile controls (view + replace + delete) */
.doc-tile-controls { width: 100%; display: flex; flex-wrap: wrap; align-items: center; gap: var(--sp-2); margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px dashed var(--color-border); }
.doc-tile-controls form { margin: 0; }
.doc-tile-controls form:last-child { margin-left: auto; }
.doc-tile-controls .btn { white-space: nowrap; }
.doc-replace { width: 100%; margin-top: var(--sp-3); padding: var(--sp-3); background: var(--color-surface-2); border: 1px dashed var(--color-border-strong); border-radius: var(--radius); }
/* ============================================================
   Client portal — withdraw application (redesign)
   ============================================================ */
.breadcrumb { display: flex; align-items: center; gap: var(--sp-1); flex-wrap: wrap; margin: 0 0 var(--sp-2); font-size: .82rem; }
.breadcrumb a { color: var(--color-text-muted); font-weight: 500; }
.breadcrumb a:hover { color: var(--color-primary); }
.breadcrumb-sep { display: inline-flex; color: var(--color-text-subtle); }
.breadcrumb-current { color: var(--color-text); font-weight: 600; }

/* Two-column layout */
.withdraw-grid { display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr); gap: var(--sp-5); align-items: start; }
.withdraw-aside { display: grid; gap: var(--sp-4); }
.withdraw-aside .card + .card { margin-top: 0; }

/* Main confirmation card */
.withdraw-card { overflow: hidden; }
.withdraw-lead { display: flex; align-items: flex-start; gap: var(--sp-4); padding: var(--sp-5); margin: calc(var(--sp-5) * -1) calc(var(--sp-5) * -1) var(--sp-5); background: linear-gradient(135deg, color-mix(in srgb, var(--color-danger) 12%, transparent), color-mix(in srgb, var(--color-danger) 5%, transparent)); border-bottom: 1px solid color-mix(in srgb, var(--color-danger) 20%, transparent); }
.withdraw-lead-ic { display: inline-grid; place-items: center; width: 54px; height: 54px; flex: none; border-radius: var(--radius-lg); background: color-mix(in srgb, var(--color-danger) 16%, transparent); color: var(--color-danger); }
.withdraw-lead h2 { font-size: 1.35rem; }

.withdraw-section-label { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: .82rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-muted); margin-bottom: var(--sp-3); }
.withdraw-section-label .icon { color: var(--color-primary); }

/* Application summary fact tiles */
.withdraw-summary { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-3); margin-bottom: var(--sp-4); }
.withdraw-fact { display: flex; flex-direction: column; gap: 2px; padding: var(--sp-3); border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-surface-2); }
.withdraw-fact-label { font-size: .74rem; font-weight: 600; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-subtle); }
.withdraw-fact-value { font-family: var(--font-display); font-weight: 700; font-size: .98rem; line-height: 1.3; word-break: break-word; }
.withdraw-fact-value.money { color: var(--color-primary); }

/* Consequence warning callout */
.withdraw-warn { display: flex; align-items: flex-start; gap: var(--sp-3); padding: var(--sp-4); margin-bottom: var(--sp-5); border: 1px solid color-mix(in srgb, var(--color-warn) 35%, transparent); border-left: 3px solid var(--color-warn); border-radius: var(--radius); background: color-mix(in srgb, var(--color-warn) 8%, transparent); }
.withdraw-warn-ic { display: inline-grid; place-items: center; width: 36px; height: 36px; flex: none; border-radius: var(--radius); background: color-mix(in srgb, var(--color-warn) 16%, transparent); color: var(--color-warn); }
.withdraw-warn strong { font-size: .92rem; }
.withdraw-warn p { color: var(--color-text-muted); font-size: .86rem; line-height: 1.5; }

/* Reason quick-select chips */
.reason-chips { display: flex; flex-wrap: wrap; gap: var(--sp-2); margin-bottom: var(--sp-2); }
.reason-chip { display: inline-flex; align-items: center; padding: .45rem .85rem; border-radius: var(--radius-full); border: 1px solid var(--color-border-strong); background: var(--color-surface); color: var(--color-text-muted); font-family: inherit; font-size: .85rem; font-weight: 500; cursor: pointer; transition: background var(--transition), border-color var(--transition), color var(--transition), transform var(--transition); }
.reason-chip:hover { border-color: var(--color-primary); color: var(--color-primary); transform: translateY(-1px); }
.reason-chip.is-active { background: var(--color-primary-soft); border-color: var(--color-primary); color: var(--color-primary); font-weight: 600; box-shadow: 0 0 0 3px var(--color-ring); }

/* Confirmation checkbox */
.withdraw-check { display: flex; align-items: flex-start; gap: var(--sp-3); padding: var(--sp-3); margin-bottom: var(--sp-5); border: 1px solid var(--color-border); border-radius: var(--radius); background: var(--color-surface-2); cursor: pointer; font-size: .9rem; line-height: 1.45; }
.withdraw-check input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.withdraw-check-box { display: inline-grid; place-items: center; width: 22px; height: 22px; flex: none; margin-top: 1px; border-radius: 6px; border: 2px solid var(--color-border-strong); background: var(--color-surface); color: transparent; transition: background var(--transition), border-color var(--transition), color var(--transition); }
.withdraw-check input:checked + .withdraw-check-box { background: var(--color-primary); border-color: var(--color-primary); color: #fff; }
.withdraw-check input:focus-visible + .withdraw-check-box { outline: 2px solid var(--color-ring); outline-offset: 2px; }
.withdraw-check:hover .withdraw-check-box { border-color: var(--color-primary); }

/* Action buttons */
.withdraw-actions { display: flex; flex-wrap: wrap; gap: var(--sp-3); align-items: center; padding-top: var(--sp-4); border-top: 1px solid var(--color-border); }
/* Aside: what happens next steps */
.wd-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--sp-3); }
.wd-step { display: flex; gap: var(--sp-3); align-items: flex-start; }
.wd-step-ic { display: inline-grid; place-items: center; width: 40px; height: 40px; flex: none; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.wd-step-body { display: flex; flex-direction: column; min-width: 0; }
.wd-step-body strong { font-size: .92rem; }
.wd-step-body small { font-size: .82rem; color: var(--color-text-muted); line-height: 1.45; }

/* Aside: accent card */
.wd-accent { border-left: 3px solid var(--color-accent); }

/* Aside: help list */
.help-list { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--sp-2); }
.help-item { display: flex; align-items: center; gap: var(--sp-2); font-size: .9rem; }
.help-item .icon { color: var(--color-accent-hover); flex: none; }
.help-item a { font-weight: 600; word-break: break-word; }

/* Responsive */
@media (max-width: 860px) {
  .withdraw-grid { grid-template-columns: 1fr; }
  .withdraw-summary { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .withdraw-summary { grid-template-columns: 1fr; }
  .withdraw-actions .btn { width: 100%; }
}

/* ============================================================
   Client portal — withdraw application (redesign) — end
   ============================================================ */
/* ===== Reusable confirm dialog (replaces native confirm()) ===== */
.confirm-overlay {
  position: fixed; inset: 0; z-index: 200;
  display: flex; align-items: center; justify-content: center;
  padding: var(--sp-4);
  background: color-mix(in srgb, #0f1f3d 46%, transparent);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
}
.confirm-overlay[hidden] { display: none; }
.confirm-dialog {
  width: 100%; max-width: 420px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: var(--sp-6);
  position: relative;
  animation: confirmIn .18s ease-out;
}
@keyframes confirmIn {
  from { opacity: 0; transform: translateY(8px) scale(.985); }
  to   { opacity: 1; transform: none; }
}
.confirm-close {
  position: absolute; top: var(--sp-3); right: var(--sp-3);
  width: 32px; height: 32px; display: grid; place-items: center;
  background: transparent; border: 0; color: var(--color-text-subtle);
  font-size: 1.4rem; line-height: 1; border-radius: var(--radius); cursor: pointer;
}
.confirm-close:hover { background: var(--color-surface-2); color: var(--color-text); }
.confirm-icon {
  width: 46px; height: 46px; border-radius: var(--radius-lg);
  display: grid; place-items: center; margin-bottom: var(--sp-3);
  background: var(--color-primary-soft); color: var(--color-primary);
}
.confirm-overlay.is-danger .confirm-icon { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.confirm-title { font-size: 1.15rem; font-weight: 700; margin: 0 0 var(--sp-2); font-family: var(--font-display); }
.confirm-message { margin: 0 0 var(--sp-5); color: var(--color-text-muted); }
.confirm-actions { display: flex; justify-content: flex-end; gap: var(--sp-3); flex-wrap: wrap; }
.confirm-btn { min-width: 96px; }

/* ============================================================
   Client portal redesign — dashboard / applications / builder
   ============================================================ */

/* Rich page head */
.dash-eyebrow { display: inline-flex; align-items: center; gap: var(--sp-2); color: var(--color-accent-hover); font-weight: 700; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; margin: 0 0 var(--sp-2); }
.dash-eyebrow .icon { color: var(--color-accent); }

/* Overview hero band */
.dash-hero { position: relative; overflow: hidden; border-radius: var(--radius-xl); padding: clamp(var(--sp-5), 4vw, var(--sp-7)); color: #fff; background: var(--gradient-primary); box-shadow: var(--shadow-lg); margin-bottom: var(--sp-5); }
.dash-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 300px at 88% -20%, rgba(255,255,255,.22), transparent 60%); pointer-events: none; }
.dash-hero::after { content: ""; position: absolute; right: -70px; top: -70px; width: 240px; height: 240px; border-radius: 50%; border: 34px solid rgba(255,255,255,.08); pointer-events: none; }
.dash-hero-inner { position: relative; display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-5); flex-wrap: wrap; }
.dash-hero-eyebrow { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700; font-size: .78rem; letter-spacing: .08em; text-transform: uppercase; opacity: .85; }
.dash-hero h1 { margin: var(--sp-2) 0 var(--sp-1); font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
.dash-hero p { margin: 0; opacity: .9; max-width: 46ch; }
.dash-hero .btn-gradient { background: #fff; color: var(--color-primary); box-shadow: var(--shadow); }
.dash-hero .btn-gradient:hover { background: var(--color-surface-2); color: var(--color-primary-hover); }

/* Stat cards grid — 3 cards fill the row */
.stat-cards.rich { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--sp-5); margin-bottom: var(--sp-5); }
.rich-card {
  --rc-c: var(--color-primary);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--sp-5);
  box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.rich-card::before {
  content: ""; position: absolute; top: -100px; right: -100px; width: 210px; height: 210px;
  border-radius: 50%;
  background: radial-gradient(circle, color-mix(in srgb, var(--rc-c) 15%, transparent), transparent 70%);
  pointer-events: none;
}
.rich-card::after {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--rc-c), color-mix(in srgb, var(--rc-c) 20%, transparent));
}
.rich-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: color-mix(in srgb, var(--rc-c) 32%, var(--color-border)); }
.rich-card.rc-accent { --rc-c: var(--color-accent-hover); }
.rich-card.rc-warn { --rc-c: var(--color-warn); }
.rich-card.rc-danger { --rc-c: var(--color-danger); }
.rich-card.rc-success { --rc-c: var(--color-success); }
.rich-card .rc-top { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-3); margin-bottom: var(--sp-4); position: relative; }
.rich-card .rc-icon { display: inline-grid; place-items: center; width: 50px; height: 50px; border-radius: var(--radius); background: color-mix(in srgb, var(--rc-c) 13%, transparent); color: var(--rc-c); }
.rich-card .rc-req { font-size: .78rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--color-text-subtle); }
.rich-card .rc-ico { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: var(--radius-full); background: var(--color-surface-2); color: var(--color-text-muted); }
a.rich-card { text-decoration: none; color: inherit; }
.rich-card .rc-value { font-family: var(--font-display); font-size: 1.8rem; font-weight: 700; line-height: 1.15; margin: 0 0 var(--sp-1); position: relative; }
.rich-card .rc-value.money { font-variant-numeric: tabular-nums; }
.rich-card .rc-label { color: var(--color-text-muted); font-size: .86rem; font-weight: 500; margin: 0; position: relative; }
.rich-card .rc-foot { margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px solid var(--color-border); font-size: .8rem; color: var(--color-text-subtle); display: flex; align-items: center; gap: var(--sp-1); position: relative; }
.rich-card .rc-foot .icon { color: var(--rc-c); }

/* Docs-required banner */
.dash-banner { display: flex; align-items: center; gap: var(--sp-4); flex-wrap: wrap; padding: var(--sp-4) var(--sp-5); border-radius: var(--radius-lg); background: color-mix(in srgb, var(--color-warn) 10%, transparent); border: 1px solid color-mix(in srgb, var(--color-warn) 30%, transparent); margin-bottom: var(--sp-5); }
.dash-banner-ic { display: inline-grid; place-items: center; width: 44px; height: 44px; flex: none; border-radius: var(--radius); background: color-mix(in srgb, var(--color-warn) 16%, transparent); color: var(--color-warn); }
.dash-banner-body { flex: 1; min-width: 220px; }
.dash-banner-body strong { display: block; margin-bottom: 2px; }
.dash-banner-body p { margin: 0; color: var(--color-text-muted); font-size: .88rem; }

/* Card section with header + action */
.section-card .card-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; margin-bottom: var(--sp-4); }
.section-card .card-title { margin: 0; }
.section-head-actions { display: flex; align-items: center; gap: var(--sp-2); }

/* Table cell subtitle */
.row-sub { font-size: .8rem; color: var(--color-text-subtle); margin-top: 2px; font-weight: 500; }
.mono-id { font-family: var(--font-mono); font-weight: 600; letter-spacing: .02em; }

/* Rich loan cards */
.loan-card { display: flex; flex-direction: column; gap: var(--sp-4); }
.loan-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-3); }
.loan-card-ic { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); flex: none; }
.loan-card-flag { font-size: .78rem; font-weight: 700; color: var(--color-text-subtle); text-transform: uppercase; letter-spacing: .04em; }
.loan-card-bal { font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; }
.loan-facts { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); padding: var(--sp-3) 0; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.loan-fact { min-width: 0; }
.loan-fact span { display: block; font-size: .75rem; color: var(--color-text-subtle); margin-bottom: 2px; text-transform: uppercase; letter-spacing: .03em; }
.loan-fact strong { font-size: .92rem; font-weight: 600; }
.loan-card .btn { margin-top: var(--sp-1); }

/* Empty states (large) */
.empty.large { padding: var(--sp-7) var(--sp-5); text-align: center; }
.empty-icon.large { width: 60px; height: 60px; border-radius: var(--radius-lg); margin: 0 auto var(--sp-4); background: var(--color-primary-soft); color: var(--color-primary); display: grid; place-items: center; }
.empty.large h3 { margin-bottom: var(--sp-1); }

/* Applications filter chips */
.apps-toolbar { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; margin-bottom: var(--sp-4); }
.filter-chips { display: flex; flex-wrap: wrap; gap: var(--sp-2); }
.filter-chip { appearance: none; display: inline-flex; align-items: center; gap: .4rem; border: 1px solid var(--color-border-strong); background: var(--color-surface); color: var(--color-text-muted); font: inherit; font-size: .84rem; font-weight: 600; padding: .4rem .9rem; border-radius: var(--radius-full); cursor: pointer; transition: all var(--transition); }
.filter-chip:hover { border-color: var(--color-primary); color: var(--color-primary); }
.filter-chip.is-active { background: var(--color-primary); border-color: var(--color-primary); color: var(--color-primary-contrast); box-shadow: var(--shadow-sm); }
.filter-chip .chip-count { display: inline-grid; place-items: center; min-width: 1.2rem; height: 1.2rem; padding: 0 .38rem; border-radius: var(--radius-full); background: var(--color-surface-2); border: 1px solid var(--color-border); color: var(--color-text-muted); font-size: .7rem; font-weight: 700; line-height: 1; font-variant-numeric: tabular-nums; transition: all var(--transition); }
.filter-chip:hover .chip-count { background: color-mix(in srgb, var(--color-primary) 10%, transparent); border-color: color-mix(in srgb, var(--color-primary) 30%, transparent); color: var(--color-primary); }
.filter-chip.is-active .chip-count { background: rgba(255,255,255,.22); border-color: rgba(255,255,255,.35); color: var(--color-primary-contrast); }
tr.is-hidden { display: none; }
.apps-count { font-size: .85rem; color: var(--color-text-muted); font-weight: 600; }

/* ============================================================
   New application builder
   ============================================================ */
.na-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: var(--sp-5); align-items: start; }
.na-card { background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: clamp(var(--sp-5), 3vw, var(--sp-6)); box-shadow: var(--shadow-sm); }
.na-card + .na-card { margin-top: 0; }

/* Field wrap for dual number+slider controls */
.na-field { margin-bottom: var(--sp-6); }
.na-field-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); margin-bottom: var(--sp-2); }
.na-field-head label { margin: 0; font-weight: 600; font-size: .95rem; }
.na-value-pill { display: inline-flex; align-items: baseline; gap: 2px; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; color: var(--color-primary); }
.na-value-pill small { font-size: .78rem; color: var(--color-text-muted); font-weight: 600; }
.na-slider { margin-top: var(--sp-2); }
.na-range { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; margin-top: 6px; border-radius: var(--radius-full); background: var(--color-surface-3); accent-color: var(--color-primary); border: 0; outline: none; cursor: pointer; transition: background var(--transition); }
.na-range:focus, .na-range:focus-visible, .na-range:active { border: 0; outline: none; box-shadow: none; }
.na-range::-webkit-slider-runnable-track { height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); }
.na-range::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 22px; height: 22px; margin-top: -7px; border-radius: var(--radius-full); background: var(--color-primary); border: 4px solid var(--color-surface); box-shadow: var(--shadow-sm); cursor: pointer; transition: transform var(--transition); }
.na-range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.na-range::-moz-range-track { height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); }
.na-range::-moz-range-thumb { width: 22px; height: 22px; border-radius: var(--radius-full); background: var(--color-primary); border: 4px solid var(--color-surface); box-shadow: var(--shadow-sm); cursor: pointer; }
.na-range::-moz-range-progress { height: 8px; border-radius: var(--radius-full); background: var(--color-primary); }
.na-ends { display: flex; justify-content: space-between; font-size: .76rem; color: var(--color-text-subtle); margin-top: 4px; }
.na-hint { margin-top: var(--sp-2); font-size: .82rem; color: var(--color-text-subtle); }

/* Number input (companion) */
.na-input { width: 100%; font-family: var(--font-display); font-weight: 700; font-size: 1.2rem; text-align: right; }
.na-symbol { pointer-events: none; }

/* Currency options as segmented list */
.na-options { display: grid; grid-template-columns: repeat(auto-fill, minmax(130px, 1fr)); gap: var(--sp-2); }
.na-opt { position: relative; }
.na-opt input { position: absolute; opacity: 0; pointer-events: none; }
.na-opt span { display: flex; flex-direction: column; gap: 1px; padding: var(--sp-3); border: 1px solid var(--color-border-strong); border-radius: var(--radius); background: var(--color-surface); color: var(--color-text); cursor: pointer; transition: all var(--transition); }
.na-opt span b { font-size: .95rem; font-weight: 700; }
.na-opt span small { font-size: .76rem; color: var(--color-text-muted); font-weight: 600; letter-spacing: .02em; }
.na-opt:hover span { border-color: var(--color-primary); }
.na-opt input:checked + span { border-color: var(--color-primary); background: var(--color-primary-soft); box-shadow: 0 0 0 3px var(--color-ring); }
.na-opt input:checked + span b { color: var(--color-primary); }

/* Estimate summary */
.na-summary { position: sticky; top: calc(var(--topbar-h) + var(--sp-4)); }
.na-summary .card-title { margin-bottom: var(--sp-4); }
.na-monthly { display: flex; align-items: baseline; gap: var(--sp-2); padding-bottom: var(--sp-4); border-bottom: 1px solid var(--color-border); margin-bottom: var(--sp-4); }
.na-monthly-label { font-size: .85rem; color: var(--color-text-muted); }
.na-monthly-value { font-family: var(--font-display); font-size: 2rem; font-weight: 700; line-height: 1; display: inline-flex; align-items: baseline; gap: 2px; }
.na-monthly-sym { font-size: 2rem; font-weight: 700; color: var(--color-text); }
.na-rows { display: grid; gap: var(--sp-1); }
.na-row { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); padding: var(--sp-2) 0; border-bottom: 1px dashed var(--color-border); font-size: .9rem; }
.na-row:last-child { border-bottom: 0; }
.na-row span { color: var(--color-text-muted); }
.na-row strong { font-variant-numeric: tabular-nums; }
.na-row strong.accent { color: var(--color-accent-hover); }
.na-row strong.primary { color: var(--color-primary); }
.na-note { display: flex; gap: var(--sp-2); align-items: flex-start; font-size: .8rem; color: var(--color-text-subtle); margin: var(--sp-4) 0 0; line-height: 1.5; }
.na-note .icon { flex: none; margin-top: 2px; color: var(--color-accent); }
.na-actions { padding-top: var(--sp-4); }

/* What happens next steps (aside) */
.na-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: var(--sp-4); }
.na-step { display: flex; gap: var(--sp-3); align-items: flex-start; }
.na-step-ic { display: inline-grid; place-items: center; width: 40px; height: 40px; flex: none; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.na-step-body { min-width: 0; }
.na-step-body strong { display: block; font-size: .92rem; }
.na-step-body small { font-size: .82rem; color: var(--color-text-muted); line-height: 1.45; }

/* Responsive */
@media (max-width: 880px) {
  .stat-cards.rich { grid-template-columns: repeat(2, 1fr); }
  .na-grid { grid-template-columns: 1fr; }
  .na-summary { position: static; }
}
@media (max-width: 520px) {
  .stat-cards.rich { grid-template-columns: 1fr; }
  .na-options { grid-template-columns: repeat(auto-fill, minmax(100%, 1fr)); }
}
/* ============================================================
   Notification bell (redesigned) — .nb-*
   ============================================================ */
.nb { position: relative; }
.nb-btn {
  position: relative;
  display: inline-grid; place-items: center;
  width: 44px; height: 44px;
  border-radius: var(--radius-full);
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  color: var(--color-text);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), box-shadow var(--transition), color var(--transition);
}
.nb-btn:hover { background: var(--color-surface-2); border-color: var(--color-primary); color: var(--color-primary); }
.nb-btn-ic { display: inherit; line-height: 0; }
.nb-badge {
  position: absolute; top: -5px; right: -5px;
  min-width: 20px; height: 20px; padding: 0 5px;
  border-radius: var(--radius-full);
  background: linear-gradient(135deg, var(--color-danger), color-mix(in srgb, var(--color-danger) 60%, #ff7a90));
  color: #fff; font-size: .68rem; font-weight: 800; letter-spacing: .01em;
  display: grid; place-items: center;
  border: 2px solid var(--color-surface);
  box-shadow: 0 4px 10px rgba(220,38,38,.35);
  animation: nb-pop .3s cubic-bezier(.34,1.56,.64,1);
}
@keyframes nb-pop { from { transform: scale(.4); opacity: 0; } to { transform: scale(1); opacity: 1; } }

.nb-panel {
  position: absolute; top: calc(100% + 12px); right: 0;
  width: min(410px, calc(100vw - 2rem));
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  display: none; flex-direction: column;
  overflow: hidden; z-index: 70;
}
.nb-panel.open { display: flex; animation: dropIn .18s ease-out; }

.nb-head {
  display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3);
  padding: var(--sp-4) var(--sp-4) var(--sp-3);
  border-bottom: 1px solid var(--color-border);
  background: linear-gradient(135deg, color-mix(in srgb, var(--color-primary-soft) 70%, var(--color-surface)), var(--color-surface));
}
.nb-title { display: flex; align-items: center; gap: var(--sp-3); min-width: 0; }
.nb-title-ic {
  width: 40px; height: 40px; border-radius: var(--radius);
  background: var(--gradient-primary); color: #fff;
  display: inline-grid; place-items: center; flex: none;
  box-shadow: 0 6px 16px rgba(11,95,255,.3);
}
.nb-title-text { display: flex; flex-direction: column; line-height: 1.2; min-width: 0; }
.nb-title-text strong { font-size: .98rem; }
.nb-title-text span { font-size: .78rem; color: var(--color-text-muted); }
.nb-head-actions { flex: none; }
.nb-markall {
  display: inline-flex; align-items: center; gap: 6px;
  padding: .42rem .72rem; border-radius: var(--radius-full);
  border: 1px solid var(--color-border-strong);
  background: var(--color-surface); color: var(--color-text);
  font-size: .76rem; font-weight: 600; font-family: inherit; cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}
.nb-markall:hover { background: var(--color-primary-soft); border-color: var(--color-primary); color: var(--color-primary); }
.nb-clear {
  display: inline-flex; align-items: center; gap: 6px;
  padding: .42rem .72rem; border-radius: var(--radius-full);
  border: 1px solid var(--color-border-strong);
  background: var(--color-surface); color: var(--color-text);
  font-size: .76rem; font-weight: 600; font-family: inherit; cursor: pointer;
  transition: background var(--transition), border-color var(--transition), color var(--transition);
}
.nb-clear:hover { background: color-mix(in srgb, var(--color-danger) 10%, var(--color-surface)); border-color: var(--color-danger); color: var(--color-danger); }
.nb-clear[hidden] { display: none; }
/* ---- notification list (scroll area) ---- */
.nb-list {
  overflow-y: auto;
  padding: var(--sp-2);
  display: flex; flex-direction: column; gap: var(--sp-1);
  max-height: min(52vh, 420px);
}
/* Mobile: dropdowns for the bell/avatar render as a near-full-width sheet pinned
   just below the topbar (NOT a bottom sheet, which put them far from the trigger).
   This block must come AFTER the .nb-panel/.nb-list base rules above so the
   equal-specificity overrides win the cascade (previously declared earlier, they
   were being overridden by the later base rules and the dropdown never appeared). */
@media (max-width: 819px) {
  .nb-panel { position: fixed; top: calc(var(--topbar-h) + var(--sp-2)); bottom: auto; left: var(--sp-3); right: var(--sp-3); width: auto; max-height: min(72vh, 560px); border-radius: var(--radius-xl); }
  .nb-list { max-height: 56vh; }
}

/* ---- empty state ---- */
.nb-empty {
  display: flex; flex-direction: column; align-items: center; gap: var(--sp-1);
  text-align: center; padding: var(--sp-7) var(--sp-4); color: var(--color-text-muted);
}
.nb-empty-ic {
  width: 56px; height: 56px; border-radius: var(--radius-full);
  background: var(--color-surface-2); color: var(--color-text-subtle);
  display: inline-grid; place-items: center; margin-bottom: var(--sp-1);
}
.nb-empty strong { color: var(--color-text); font-size: .95rem; }
.nb-empty span { font-size: .82rem; color: var(--color-text-subtle); }

/* ---- notification item ---- */
.nb-item {
  display: flex; align-items: flex-start; gap: var(--sp-3);
  padding: var(--sp-3); border-radius: var(--radius);
  transition: background var(--transition);
}
.nb-item.is-unread { background: color-mix(in srgb, var(--color-primary-soft) 55%, var(--color-surface)); }
.nb-item.is-unread:hover { background: var(--color-primary-soft); }
.nb-item:not(.is-unread):hover { background: var(--color-surface-2); }
.nb-item + .nb-item { border-top: 1px solid var(--color-border); }
.nb-item.is-unread + .nb-item.is-unread { border-top-color: transparent; }
.nb-item-ic {
  width: 36px; height: 36px; border-radius: var(--radius);
  background: var(--color-surface-2); color: var(--color-text-subtle);
  display: inline-grid; place-items: center; flex: none;
}
.nb-item.tone-primary .nb-item-ic { background: var(--color-primary-soft); color: var(--color-primary); }
.nb-item.tone-info .nb-item-ic { background: color-mix(in srgb, var(--color-info) 13%, transparent); color: var(--color-info); }
.nb-item.tone-success .nb-item-ic { background: color-mix(in srgb, var(--color-success) 13%, transparent); color: var(--color-success); }
.nb-item.tone-danger .nb-item-ic { background: color-mix(in srgb, var(--color-danger) 13%, transparent); color: var(--color-danger); }
.nb-item.tone-warn .nb-item-ic { background: color-mix(in srgb, var(--color-warn) 13%, transparent); color: var(--color-warn); }
.nb-item-body { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; padding-top: 1px; }
.nb-item-title { font-size: .86rem; font-weight: 600; color: var(--color-text); line-height: 1.35; }
.nb-item-text { font-size: .8rem; color: var(--color-text-muted); line-height: 1.45; }
.nb-item-meta { display: flex; align-items: center; gap: 4px; font-size: .73rem; color: var(--color-text-subtle); margin-top: 2px; }
.nb-item-tail { flex: none; display: flex; flex-direction: column; align-items: flex-end; gap: var(--sp-2); padding-top: 1px; }
.nb-unread-dot {
  width: 8px; height: 8px; border-radius: var(--radius-full);
  background: var(--color-primary);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-primary-soft) 60%, transparent);
}
.nb-item-link {
  display: inline-grid; place-items: center; width: 26px; height: 26px;
  border-radius: var(--radius-full); color: var(--color-text-subtle);
  transition: background var(--transition), color var(--transition);
}
.nb-item-link:hover { background: var(--color-primary-soft); color: var(--color-primary); text-decoration: none; }

/* ============================================================
   Client profile — redesigned
   ============================================================ */
/* Identity hero */
.profile-hero {
  position: relative; overflow: hidden; border-radius: var(--radius-xl);
  padding: clamp(var(--sp-5), 4vw, var(--sp-7)); margin-bottom: var(--sp-5);
  color: #fff; background: var(--gradient-primary); box-shadow: var(--shadow-lg);
}
.profile-hero::after {
  content: ""; position: absolute; right: -70px; top: -70px; width: 260px; height: 260px;
  border-radius: 50%; border: 36px solid rgba(255,255,255,.08); pointer-events: none;
}
.profile-hero-glow {
  position: absolute; inset: 0;
  background: radial-gradient(720px 320px at 88% -20%, rgba(255,255,255,.22), transparent 60%);
  pointer-events: none;
}
.profile-hero-inner { position: relative; z-index: 1; }
.profile-identity { display: flex; align-items: center; gap: var(--sp-5); flex-wrap: wrap; }
.profile-avatar {
  flex: none; display: inline-grid; place-items: center; width: 92px; height: 92px;
  border-radius: var(--radius-xl); background: rgba(255,255,255,.18);
  border: 2px solid rgba(255,255,255,.45); color: #fff;
  font-family: var(--font-display); font-weight: 700; font-size: 1.9rem; letter-spacing: .02em;
  box-shadow: var(--shadow); backdrop-filter: blur(4px);
}
.profile-identity-meta { min-width: 0; }
.profile-hero-eyebrow {
  display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700;
  font-size: .76rem; letter-spacing: .1em; text-transform: uppercase; opacity: .85;
}
.profile-identity-meta h1.profile-hero-name {
  margin: var(--sp-1) 0 var(--sp-1); font-size: clamp(1.5rem, 2.8vw, 2.2rem); line-height: 1.15;
}
.profile-hero-email { margin: 0; opacity: .92; word-break: break-all; }
.profile-hero-meta { display: flex; align-items: center; gap: var(--sp-4); flex-wrap: wrap; margin-top: var(--sp-3); }
.profile-hero-meta .badge { background: rgba(255,255,255,.18); color: #fff; border: 1px solid rgba(255,255,255,.28); }
.profile-membersince { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: .86rem; opacity: .92; }

/* Two-column profile layout */
.profile-layout { display: grid; gap: var(--sp-5); grid-template-columns: minmax(0, 1fr) 360px; align-items: start; }
.profile-main { display: grid; gap: var(--sp-4); }
.profile-aside { display: grid; gap: var(--sp-4); position: sticky; top: var(--topbar-h); }

/* Profile cards */
.profile-card { padding: var(--sp-5); }
.profile-card .profile-card + .profile-card, .profile-card + .profile-card { margin-top: var(--sp-4); }
.profile-card-head { display: flex; align-items: flex-start; gap: var(--sp-3); margin-bottom: var(--sp-4); padding-bottom: var(--sp-4); border-bottom: 1px solid var(--color-border); }
.profile-card-ic {
  flex: none; display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: var(--radius);
  background: var(--color-primary-soft); color: var(--color-primary);
}
.profile-card-ic.accent { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.profile-card-ic.warn { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.profile-card-head-txt h2 { margin: 0 0 var(--sp-1); font-family: var(--font-display); font-size: 1.15rem; }
.profile-card-head-txt p { margin: 0; color: var(--color-text-muted); font-size: .9rem; }

/* Locked name field */
.input-group:has(.input-locked) input { padding-right: 2.9rem; }
.input-locked {
  position: absolute; right: .5rem; top: 50%; transform: translateY(-50%);
  display: grid; place-items: center; width: 34px; height: 34px; pointer-events: none;
  color: var(--color-text-subtle);
}
.input-group input:disabled {
  background: color-mix(in srgb, var(--color-surface-2) 60%, transparent);
  color: var(--color-text-muted); cursor: not-allowed;
}

/* Save bar */
.profile-savebar { display: flex; justify-content: flex-end; padding-top: var(--sp-2); }

/* Sidebar account facts */
.profile-fact {
  display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-3);
  font-size: .9rem;
}
.profile-fact > span:first-child { color: var(--color-text-muted); }
.profile-fact-val { display: flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; justify-content: flex-end; min-width: 0; }
.profile-fact-val strong { font-weight: 600; }
.profile-fact-email { word-break: break-all; }
.profile-divider { border: none; border-top: 1px solid var(--color-border); margin: var(--sp-4) 0; }

/* Pending email change banner */
.email-pending {
  display: flex; gap: var(--sp-3); margin-top: var(--sp-4); padding: var(--sp-4);
  border-radius: var(--radius); border: 1px solid color-mix(in srgb, var(--color-info) 28%, transparent);
  background: color-mix(in srgb, var(--color-info) 9%, transparent);
}
.email-pending-ic { flex: none; display: grid; place-items: center; width: 38px; height: 38px; border-radius: var(--radius); background: var(--color-info); color: #fff; }
.email-pending-body strong { font-size: .92rem; }
.email-pending-body p { margin: var(--sp-1) 0; color: var(--color-text-muted); font-size: .86rem; overflow-wrap: anywhere; }
.email-pending-expires { display: block; font-size: .8rem; color: var(--color-text-muted); }
.email-pending-resend { padding-inline: 0; margin-top: var(--sp-1); }
@media (max-width: 960px) {
  .profile-layout { grid-template-columns: minmax(0, 1fr); }
  .profile-aside { position: static; }
}

@media (max-width: 640px) {
  .profile-avatar { width: 76px; height: 76px; font-size: 1.6rem; }
  .profile-card { padding: var(--sp-4); }
}
/* ============================================================
   Support / help centre (client portal)
   ============================================================ */
/* Page head (shared with other client portal pages) */
.page-head { margin-bottom: var(--sp-5); }
.page-head h1 { margin-bottom: var(--sp-1); font-size: clamp(1.5rem, 2.6vw, 2.1rem); }
.page-sub { color: var(--color-text-muted); max-width: 60ch; margin: 0; font-size: 1rem; }

/* Support hero */
.support-hero {
  position: relative; overflow: hidden; margin-bottom: var(--sp-5);
  border: 0; color: #fff; background: var(--gradient-primary); box-shadow: var(--shadow-lg);
}
.support-hero-glow {
  position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(760px 340px at 88% -20%, rgba(255,255,255,.22), transparent 60%);
}
.support-hero::after {
  content: ""; position: absolute; right: -60px; top: -70px; width: 240px; height: 240px;
  border-radius: 50%; border: 34px solid rgba(255,255,255,.08); pointer-events: none;
}
.support-hero-inner {
  position: relative; z-index: 1; display: flex; gap: var(--sp-5);
  align-items: flex-start; flex-wrap: wrap;
}
.support-hero-icon {
  flex: none; display: grid; place-items: center; width: 60px; height: 60px;
  border-radius: var(--radius-lg); color: #fff;
  background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.28);
}
.support-hero-title { min-width: 0; }
.support-hero-eyebrow {
  display: inline-flex; align-items: center; font-size: .76rem; font-weight: 800;
  letter-spacing: .12em; text-transform: uppercase; opacity: .85; margin-bottom: var(--sp-1);
}
.support-hero-title h1 { margin: 0 0 var(--sp-1); font-size: clamp(1.6rem, 3vw, 2.3rem); line-height: 1.15; }
.support-hero-sub { margin: 0; max-width: 58ch; font-size: 1.05rem; opacity: .92; }

/* Quick contact cards */
.support-cards {
  display: grid; gap: var(--sp-4); margin-bottom: var(--sp-6);
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  align-items: stretch;
}
.support-cards .card + .card { margin-top: 0; }
.support-card {
  display: flex; flex-direction: column; gap: var(--sp-2); padding: var(--sp-5);
  align-items: flex-start; border-radius: var(--radius-lg);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.support-card:hover {
  transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--color-border-strong);
}
.support-card-ic {
  display: inline-grid; place-items: center; width: 52px; height: 52px;
  border-radius: var(--radius); color: #fff; margin-bottom: var(--sp-2);
}
.ic-blue { background: var(--gradient-primary); }
.ic-accent { background: var(--color-accent); box-shadow: 0 8px 18px rgba(0,194,168,.28); }
.ic-success { background: var(--color-success); box-shadow: 0 8px 18px rgba(22,163,74,.26); }
.ic-wa { background: #25d366; box-shadow: 0 8px 18px rgba(37,211,102,.30); }
.support-card h3 { margin: 0 0 var(--sp-1); font-size: 1.15rem; }
.support-card-sub { color: var(--color-text-muted); font-size: .92rem; margin: 0; }
.support-card-foot {
  display: flex; flex-direction: column; gap: var(--sp-3); width: 100%;
  margin-top: auto; padding-top: var(--sp-3);
}
.support-card-value {
  display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700;
  font-size: .95rem; line-height: 1.4; word-break: break-word; color: var(--color-link);
}
.support-card-value:hover { text-decoration: underline; }
.support-card-value.muted { color: var(--color-text-muted); font-weight: 500; }
.support-card-value .live-dot { margin: 0; }
.success-text { color: var(--color-success); }
.support-card-foot .btn { min-height: 44px; }
.live-dot {
  width: 8px; height: 8px; border-radius: 50%; flex: none;
  background: var(--color-success);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-success) 22%, transparent);
  animation: pulse 2s infinite;
}
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: .5; } }

/* Security tips card */
.support-security {
  padding: var(--sp-5); margin-bottom: var(--sp-6); border-radius: var(--radius-lg);
  border-left: 4px solid var(--color-primary);
}
.support-security-head {
  display: flex; gap: var(--sp-4); align-items: flex-start;
  margin-bottom: var(--sp-5); padding-bottom: var(--sp-4);
  border-bottom: 1px solid var(--color-border);
}
.support-security-ic {
  display: inline-grid; place-items: center; width: 50px; height: 50px;
  border-radius: var(--radius); color: #fff; flex: none;
  background: var(--gradient-primary);
}
.support-security-eyebrow {
  display: inline-flex; align-items: center;
  font-size: .74rem; font-weight: 800; text-transform: uppercase;
  letter-spacing: .12em; color: var(--color-primary); margin-bottom: var(--sp-1);
}
.support-security-head h2 { margin: 0 0 var(--sp-1); font-size: 1.3rem; }
.support-security-sub { color: var(--color-text-muted); margin: 0; font-size: .92rem; }
.support-security-grid {
  display: grid; gap: var(--sp-4);
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
}
.support-security-item {
  display: flex; gap: var(--sp-3); align-items: flex-start;
  padding: var(--sp-3); border-radius: var(--radius);
  background: var(--color-surface-2);
  transition: background var(--transition), transform var(--transition);
}
.support-security-item:hover {
  background: color-mix(in srgb, var(--color-primary-soft) 50%, var(--color-surface-2));
  transform: translateY(-2px);
}
.ssi-icon {
  display: inline-grid; place-items: center; width: 40px; height: 40px;
  border-radius: var(--radius); color: #fff; flex: none; margin-top: 2px;
}
.ssi-icon--blue { background: var(--gradient-primary); }
.ssi-icon--accent { background: var(--color-accent); }
.ssi-icon--green { background: var(--color-success); }
.ssi-icon--amber { background: var(--color-warn); }
.support-security-item strong { display: block; font-size: .95rem; margin-bottom: 2px; }
.support-security-item p { margin: 0; color: var(--color-text-muted); font-size: .85rem; line-height: 1.5; }

/* FAQ card */
.support-faq-card { padding: var(--sp-5); margin-bottom: var(--sp-6); border-radius: var(--radius-lg); }
.support-faq-head {
  display: flex; gap: var(--sp-4); align-items: flex-start;
  margin-bottom: var(--sp-4); padding-bottom: var(--sp-3);
  border-bottom: 1px solid var(--color-border);
}
.support-faq-ic {
  display: inline-grid; place-items: center; width: 48px; height: 48px;
  border-radius: var(--radius); color: #fff; flex: none;
  background: color-mix(in srgb, var(--color-info) 14%, transparent);
  color: var(--color-info);
}
.support-faq-head h2 { margin: 0 0 var(--sp-1); font-size: 1.25rem; }
.support-faq-sub { color: var(--color-text-muted); margin: 0; font-size: .9rem; }
.support-faq-card .accordion { gap: var(--sp-2); }
.support-faq-card .accordion-item { box-shadow: var(--shadow-sm); border: 1px solid var(--color-border); }

/* ============================================================
   Admin portal — dashboard redesign (portfolio overview)
   ============================================================ */
.stat-cards.rich.rich-4 { grid-template-columns: repeat(4, 1fr); margin-bottom: var(--sp-5); }
.stat-cards.rich.rich-2 { grid-template-columns: repeat(2, 1fr); margin-bottom: var(--sp-5); }
.admin-hero { margin-bottom: var(--sp-5); }
.dash-hero-actions { display: flex; gap: var(--sp-3); flex-wrap: wrap; position: relative; align-items: center; }
.dash-hero-date { display: inline-flex; align-items: center; gap: 6px; margin-top: var(--sp-3); font-size: .85rem; opacity: .92; }
.hero-count { display: inline-grid; place-items: center; min-width: 22px; height: 22px; padding: 0 6px; border-radius: var(--radius-full); background: var(--color-danger); color: #fff; font-size: .72rem; font-weight: 800; margin-left: 2px; box-shadow: 0 2px 6px rgba(0,0,0,.18); }
.dash-hero .dash-hero-ghost { background: rgba(255,255,255,.12); color: #fff; border: 1px solid rgba(255,255,255,.42); box-shadow: none; }
.dash-hero .dash-hero-ghost:hover { background: rgba(255,255,255,.24); color: #fff; }
.dash-hero-actions .btn.hero-danger {
  background: var(--color-danger);
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  box-shadow: 0 8px 20px -8px color-mix(in srgb, var(--color-danger) 70%, transparent);
}
.dash-hero-actions .btn.hero-danger:hover { background: #b91c1c; color: #fff; }
.dash-hero-actions form { display: inline-flex; }

/* Currency-aware money metric cards */
.admin-money-grid { margin-top: 0; }
.money-card { --mc: var(--color-primary); display: flex; flex-direction: column; gap: var(--sp-4); position: relative; overflow: hidden; padding: var(--sp-5); }
.money-card::before { content: ""; position: absolute; top: -90px; right: -90px; width: 210px; height: 210px; border-radius: 50%; background: radial-gradient(circle, color-mix(in srgb, var(--mc) 14%, transparent), transparent 70%); pointer-events: none; }
.money-card.mc-success { --mc: var(--color-success); }
.money-card.mc-accent { --mc: var(--color-accent-hover); }
.money-card .money-card-head { position: relative; display: flex; gap: var(--sp-3); align-items: flex-start; }
.money-card-ic { display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: var(--radius); background: color-mix(in srgb, var(--mc) 13%, transparent); color: var(--mc); flex: none; }
.money-card-title { display: flex; flex-direction: column; gap: 3px; min-width: 0; }
.money-card-label { font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); }
.money-card-sub { display: flex; align-items: center; gap: 5px; font-size: .8rem; font-weight: 600; color: color-mix(in srgb, var(--mc) 70%, var(--color-text)); }
.money-rows { position: relative; display: flex; flex: 1; flex-direction: column; justify-content: center; gap: 4px; padding: var(--sp-1) 0 var(--sp-2); }
.money-row { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); padding: 9px 6px; border-radius: var(--radius); background: color-mix(in srgb, var(--mc) 5%, transparent); }
.cur-badge { font-family: var(--font-mono); font-size: .74rem; font-weight: 600; letter-spacing: .03em; padding: 2px 8px; border-radius: var(--radius-full); background: color-mix(in srgb, var(--mc) 14%, transparent); color: var(--mc); }
.money-row-amt { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; line-height: 1.1; font-variant-numeric: tabular-nums; color: var(--color-text); }
.money-empty { font-family: var(--font-display); color: var(--color-text-subtle); padding: var(--sp-2) 0; }
.money-card-foot { position: relative; margin-top: auto; padding-top: var(--sp-3); border-top: 1px solid var(--color-border); display: flex; align-items: center; gap: 6px; font-size: .8rem; color: var(--color-text-subtle); }
.money-card-foot .icon { color: var(--mc); }

/* Application funnel */
.funnel { display: flex; flex-direction: column; gap: var(--sp-3); padding: var(--sp-2) 0; }
.funnel-stage { display: grid; gap: 6px; }
.funnel-meta { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); }
.funnel-label { font-size: .86rem; font-weight: 600; color: var(--color-text); }
.funnel-count { font-family: var(--font-display); font-weight: 700; font-size: .95rem; color: var(--color-text-muted); }
.funnel-track { height: 12px; border-radius: var(--radius-full); background: var(--color-surface-2); overflow: hidden; }
.funnel-bar { height: 100%; border-radius: var(--radius-full); transition: width .4s ease; min-width: 2px; }
.funnel-legend { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px solid var(--color-border); }
.funnel-legend-total { display: inline-flex; align-items: center; gap: 6px; font-size: .85rem; color: var(--color-text-muted); }

/* Pin section-card footers to the bottom of equal-height dashboard grid cells */
.dash-panels > .card { display: flex; flex-direction: column; }
.dash-panels > .card > .funnel-legend { margin-top: auto; }

/* Status distribution */
/* Funnel terminal outcomes (rejected / cancelled) merged into funnel */
.funnel-divider { height: 1px; background: var(--color-border); margin: var(--sp-1) 0; }
.funnel-terminal { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); padding-top: 2px; }
.funnel-terminal .funnel-label { color: var(--color-text-muted); }
.funnel-dot { width: 8px; height: 8px; border-radius: 50%; flex: none; display: inline-block; margin-right: var(--sp-2); vertical-align: middle; }
.funnel-dot.dot-danger { background: var(--color-danger); box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-danger) 14%, transparent); }
.funnel-dot.dot-muted { background: var(--color-text-subtle); box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-text-subtle) 14%, transparent); }

/* Activity / upcoming payments list */
.act-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; }
.act-item { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3); border-radius: var(--radius); transition: background var(--transition), transform var(--transition); }
.act-item:hover { background: var(--color-surface-2); }
.act-item + .act-item { border-top: 1px solid var(--color-border); }
.act-item.is-overdue { background: color-mix(in srgb, var(--color-danger) 6%, transparent); }
.act-item.is-overdue:hover { background: color-mix(in srgb, var(--color-danger) 10%, transparent); }
.act-ic { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); flex: none; }
.act-ic-danger { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.act-body { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.act-body strong { font-size: .9rem; font-weight: 600; }
.act-sub { font-size: .78rem; color: var(--color-text-muted); }
.act-side { flex: none; display: flex; flex-direction: column; align-items: flex-end; gap: 2px; }
.act-amt { font-weight: 700; font-size: .92rem; }
.act-date { display: inline-flex; align-items: center; gap: 4px; font-size: .76rem; color: var(--color-text-muted); }
.act-date .icon { width: 12px; height: 12px; }
.text-danger { color: var(--color-danger); }

.card-foot-link { margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px solid var(--color-border); }
.card-foot-link a { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; }

/* Responsive */
@media (max-width: 1120px) {
  .stat-cards.rich.rich-4 { grid-template-columns: repeat(2, 1fr); }
  .stat-cards.rich.rich-2 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 820px) {
  .stat-cards.rich.rich-4 { grid-template-columns: repeat(2, 1fr); }
  .stat-cards.rich.rich-2 { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .stat-cards.rich.rich-4 { grid-template-columns: 1fr; }
  .stat-cards.rich.rich-2 { grid-template-columns: 1fr; }
  .dash-hero-actions .btn { width: 100%; justify-content: center; }
}

/* ============================================================
   Admin applications list — rich review queue (redesign)
   ============================================================ */
.apps-hero { margin-bottom: var(--sp-6); }
.apps-metrics { margin-bottom: var(--sp-5); }
.apps-metrics .rich-card { padding: var(--sp-4); }
.apps-metrics .rc-icon { width: 44px; height: 44px; }
.apps-metrics .rc-value { font-size: 1.55rem; }
.rich-card.rc-muted { --rc-c: var(--color-text-subtle); }

.apps-card { padding: var(--sp-5) var(--sp-5) var(--sp-4); }

/* Toolbar */
.apps-filterbar {
  display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4);
  flex-wrap: wrap; margin: calc(var(--sp-2) * -1) -2px var(--sp-3);
}
.apps-result-count {
  display: inline-flex; align-items: center; gap: 6px; color: var(--color-text-subtle);
  font-size: .82rem; font-weight: 600; white-space: nowrap;
}
.apps-result-count .icon { color: var(--color-primary); }

/* Filter pills (with counters) — replaced the old dotted tabs */
.filter-pills { display: flex; flex-wrap: wrap; gap: var(--sp-2); align-items: center; }
.pill {
  --pill-c: var(--color-primary);
  display: inline-flex; align-items: center; gap: var(--sp-2);
  padding: 8px 15px; border-radius: var(--radius-full);
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  color: var(--color-text-muted); font-weight: 600; font-size: .86rem; line-height: 1.2;
  box-shadow: var(--shadow-sm); white-space: nowrap;
  text-decoration: none;
  transition: border-color var(--transition), background var(--transition),
              color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.pill:hover { text-decoration: none; color: var(--color-text); border-color: var(--color-border-strong); transform: translateY(-1px); box-shadow: var(--shadow); }
.pill:focus-visible { outline: 2px solid var(--color-ring); outline-offset: 2px; }
.pill-dot {
  width: 8px; height: 8px; border-radius: 50%; background: var(--pill-c); flex: none;
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--pill-c) 15%, transparent);
}
.pill-count {
  display: inline-grid; place-items: center; min-width: 22px; height: 22px; padding: 0 7px;
  border-radius: var(--radius-full); background: var(--color-surface-2);
  color: var(--color-text-muted); font-size: .72rem; font-weight: 700;
  font-variant-numeric: tabular-nums;
}
.pill.is-active {
  background: color-mix(in srgb, var(--pill-c) 9%, var(--color-surface));
  border-color: color-mix(in srgb, var(--pill-c) 45%, var(--color-border));
  color: var(--pill-c); box-shadow: 0 6px 18px color-mix(in srgb, var(--pill-c) 18%, transparent);
  transform: translateY(-1px);
}
.pill.is-active .pill-count { background: var(--pill-c); color: #fff; }
/* Status-tuned pill colours (mirrors status_class) */
.pill.pill-all { --pill-c: var(--color-primary); }
.pill.is-pending_documents { --pill-c: var(--color-text-subtle); }
.pill.is-pending_review { --pill-c: var(--color-warn); }
.pill.is-approved, .pill.is-pending_disbursement { --pill-c: var(--color-info); }
.pill.is-disbursed { --pill-c: var(--color-primary); }
.pill.is-settled, .pill.is-completed { --pill-c: var(--color-success); }
.pill.is-rejected, .pill.is-cancelled { --pill-c: var(--color-danger); }

/* Applications table */
.apps-table td { padding-top: var(--sp-3); padding-bottom: var(--sp-3); }
.apps-table tbody tr { transition: background var(--transition), box-shadow var(--transition); }
.apps-table tbody tr:hover { background: var(--color-surface-2); }

.app-user { display: flex; align-items: center; gap: var(--sp-3); color: inherit; }
.app-user:hover { text-decoration: none; }
.app-avatar {
  --ac: var(--color-primary);
  display: inline-grid; place-items: center; flex: none;
  width: 40px; height: 40px; border-radius: var(--radius-full);
  background: color-mix(in srgb, var(--ac) 12%, transparent);
  color: var(--ac); font-weight: 800; font-size: .85rem;
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--ac) 24%, transparent);
}
.app-user-meta { display: flex; flex-direction: column; line-height: 1.35; min-width: 0; }
.app-user-meta .table-link { color: var(--color-text); font-weight: 600; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.app-user-meta .table-link:hover { color: var(--color-primary); }
.app-user-email { font-size: .8rem; color: var(--color-text-muted); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 220px; }

.app-ref { font-family: var(--font-mono); font-size: .84rem; font-weight: 600; letter-spacing: .02em; color: var(--color-text-muted); text-decoration: none; }
a.app-ref:hover { color: var(--color-primary); }
.app-date-main { font-weight: 600; font-size: .9rem; color: var(--color-text); white-space: nowrap; }
.app-date-sub { color: var(--color-text-subtle); font-size: .78rem; white-space: nowrap; }

.app-amt { display: flex; flex-direction: column; gap: 2px; }
.app-amt-top { display: flex; align-items: center; gap: 6px; font-weight: 700; white-space: nowrap; }
.app-amt-top .money { font-weight: 700; }
.app-amt-sub { color: var(--color-text-subtle); font-size: .78rem; }

.row-action {
  display: inline-grid; place-items: center; width: 34px; height: 34px;
  border-radius: var(--radius-full); border: 1px solid var(--color-border);
  background: var(--color-surface); color: var(--color-text-muted);
  transition: background var(--transition), border-color var(--transition),
              color var(--transition), transform var(--transition), box-shadow var(--transition);
}
.row-action:hover { background: var(--color-primary-soft); border-color: var(--color-primary); color: var(--color-primary); transform: translateX(2px); box-shadow: var(--shadow-sm); }
.row-action:focus-visible { outline: 2px solid var(--color-ring); outline-offset: 2px; }

/* ============================================================
   Admin portal — clients list (rebuilt)
   ============================================================ */
.rich-card.rc-info { --rc-c: var(--color-info); }
.pill.is-enabled { --pill-c: var(--color-success); }
.pill.is-disabled { --pill-c: var(--color-danger); }

.clients-table .app-avatar { width: 42px; height: 42px; font-size: .9rem; }
.clients-table td { vertical-align: middle; }

.cli-stat { display: flex; flex-direction: column; line-height: 1.3; min-width: 0; }
.cli-stat-main {
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 700;
  font-variant-numeric: tabular-nums; color: var(--color-text);
}
.cli-stat-sub { color: var(--color-text-subtle); font-size: .78rem; white-space: nowrap; }


@media (max-width: 720px) {
  .apps-table .app-user-email { max-width: 140px; }
}
@media (max-width: 560px) {
  .apps-filterbar { align-items: flex-start; }
  .apps-result-count { order: 1; }
  .filter-pills { order: 0; width: 100%; }
}
/* ============================================================
   Admin portal — application detail (underwriting workspace)
   ============================================================ */
.app-details-link { display: inline-flex; align-items: center; gap: .45rem; font-size: .84rem; font-weight: 600; color: var(--color-text-muted); margin-bottom: var(--sp-3); padding: .35rem .6rem; border-radius: var(--radius); transition: color var(--transition), background var(--transition); }
.app-details-link:hover { color: var(--color-primary); background: var(--color-primary-soft); }

/* Header band */
.app-detail-hero {
  position: relative; overflow: hidden;
  border-radius: var(--radius-xl);
  background: linear-gradient(133deg, #0b2136 0%, #133a5f 55%, color-mix(in srgb, var(--color-primary) 78%, #0b2136) 135%);
  color: #fff; padding: clamp(1.25rem, 3.5vw, 2.5rem);
  box-shadow: var(--shadow-lg); margin-bottom: var(--sp-5);
  isolation: isolate;
}
.app-detail-hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(640px 260px at 92% -18%, rgba(255,255,255,.2), transparent 60%); pointer-events: none; }
.app-detail-hero::after { content: ""; position: absolute; right: -70px; top: -70px; width: 230px; height: 230px; border-radius: 50%; border: 30px solid rgba(255,255,255,.06); z-index: -1; pointer-events: none; }
.app-detail-hero-inner { position: relative; display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-6); flex-wrap: wrap; }
.app-detail-ident { display: flex; gap: var(--sp-4); align-items: center; min-width: 260px; }
.app-detail-avatar { --ac: var(--color-primary); width: 64px; height: 64px; border-radius: var(--radius-lg); flex: none; display: grid; place-items: center; font-weight: 800; font-size: 1.4rem; background: color-mix(in srgb, var(--ac) 26%, transparent); color: #fff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.32); }
.app-detail-eyebrow { display: inline-flex; align-items: center; gap: .4rem; font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; opacity: .82; margin-bottom: var(--sp-2); }
.app-detail-title { font-family: var(--font-display); font-size: clamp(1.5rem, 2.6vw, 2rem); font-weight: 700; line-height: 1.12; margin: 0 0 var(--sp-2); color: #fff; }
.app-detail-sub { display: flex; align-items: center; gap: var(--sp-2); font-size: .9rem; opacity: .94; flex-wrap: wrap; }
.hero-sep { opacity: .5; }
.app-detail-hero .badge { background: rgba(255,255,255,.16); border: 1px solid rgba(255,255,255,.26); color: #fff; }
.app-detail-chips { position: relative; display: flex; gap: var(--sp-4); flex-wrap: wrap; margin-top: var(--sp-4); }
.app-detail-chip { display: flex; flex-direction: column; gap: 2px; min-width: 118px; padding-right: var(--sp-4); border-right: 1px solid rgba(255,255,255,.18); }
.app-detail-chip:last-child { border-right: none; }
.app-detail-chip-label { font-size: .66rem; text-transform: uppercase; letter-spacing: .08em; opacity: .72; font-weight: 600; }
.app-detail-chip-value { font-size: 1.05rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.app-detail-hero-actions { display: flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; position: relative; }
.app-detail-hero-actions .btn { box-shadow: none; }
.app-detail-hero-actions .btn.hero-ghost { background: rgba(255,255,255,.12); color: #fff; border: 1px solid rgba(255,255,255,.42); }
.app-detail-hero-actions .btn.hero-ghost:hover { background: rgba(255,255,255,.24); color: #fff; }
.app-detail-hero-actions .btn.hero-ghost .icon { color: currentColor; }

/* Metrics strip */
.app-metrics { margin-bottom: var(--sp-5); }
.rc-slash { color: var(--color-text-subtle); font-weight: 500; margin: 0 3px; }

/* Two-column workspace layout */
.app-detail-grid { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: var(--sp-5); align-items: start; }
.app-detail-main { display: flex; flex-direction: column; gap: var(--sp-5); min-width: 0; }
.app-detail-side { display: flex; flex-direction: column; gap: var(--sp-5); min-width: 0; }
@media (min-width: 961px) { .app-detail-side { position: sticky; top: calc(var(--topbar-h) + var(--sp-4)); } }
@media (max-width: 960px) { .app-detail-grid { grid-template-columns: 1fr; } }

/* Decision panel */
.decision-card { overflow: hidden; }
.decision-intro { color: var(--color-text-muted); margin: 0 0 var(--sp-4); font-size: .92rem; }
.decision-body { display: flex; gap: var(--sp-5); flex-wrap: wrap; }
.decision-approve, .decision-reject { flex: 1 1 230px; display: flex; flex-direction: column; gap: var(--sp-3); }
.decision-approve { padding-right: var(--sp-5); border-right: 1px solid var(--color-border); }
@media (max-width: 720px) { .decision-approve { border-right: none; padding-right: 0; padding-bottom: var(--sp-4); border-bottom: 1px solid var(--color-border); } }
.decision-h { display: flex; gap: var(--sp-3); align-items: center; }
.dec-ic { width: 44px; height: 44px; border-radius: var(--radius); display: grid; place-items: center; flex: none; }
.decision-approve .dec-ic { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.decision-reject .dec-ic { background: color-mix(in srgb, var(--color-danger) 12%, transparent); color: var(--color-danger); }
.decision-label { font-weight: 700; font-size: 1.02rem; }
.decision-desc { color: var(--color-text-muted); font-size: .85rem; margin: 0; }
.decision-actions { display: flex; gap: var(--sp-3); flex-wrap: wrap; align-items: center; }
@media (max-width: 720px) { .decision-actions { width: 100%; } .decision-actions .btn, .decision-actions form { flex: 1 1 100%; } }
/* Finalize-terms stage: the secondary column is a positive next step, so it
   uses the primary accent instead of the danger tint applied to rejection. */
.decision-card.is-finalize .decision-reject .dec-ic { background: var(--color-primary-soft); color: var(--color-primary); }

/* Status notice cards */
.notice-card.is-danger { background: color-mix(in srgb, var(--color-danger) 7%, var(--color-surface)); border-color: color-mix(in srgb, var(--color-danger) 24%, transparent); }
.notice-card.is-danger .notice-ic { color: var(--color-danger); }
.notice-ic { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: var(--radius); background: var(--color-surface-2); color: var(--color-primary); flex: none; }

/* Documents progress + list */
.docs-progress-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; margin-bottom: var(--sp-4); }
.docs-progress-title { margin: 0; }
.docs-progress-bar { height: 10px; border-radius: var(--radius-full); background: var(--color-surface-2); overflow: hidden; }
.docs-progress-fill { height: 100%; border-radius: var(--radius-full); background: linear-gradient(90deg, var(--color-primary), var(--color-accent)); transition: width .45s cubic-bezier(.4,0,.2,1); }
.docs-hint { color: var(--color-text-muted); font-size: .86rem; margin: var(--sp-3) 0 0; }
.doc-list { display: flex; flex-direction: column; gap: var(--sp-3); }
.doc-item {
  display: flex; align-items: center; gap: var(--sp-3);
  border: 1px solid var(--color-border); border-radius: var(--radius);
  padding: var(--sp-3) var(--sp-4); background: var(--color-surface);
  transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.doc-item:hover { border-color: var(--color-border-strong); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.doc-item.is-verified { border-left: 3px solid var(--color-success); }
.doc-item.is-pending { border-left: 3px solid var(--color-warn); }
.doc-item.is-missing { border-left: 3px solid var(--color-border); background: var(--color-surface-2); }
.doc-ic { width: 42px; height: 42px; border-radius: var(--radius); display: grid; place-items: center; flex: none; }
.doc-item.is-verified .doc-ic { background: color-mix(in srgb, var(--color-success) 14%, transparent); color: var(--color-success); }
.doc-item.is-pending .doc-ic { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.doc-item.is-missing .doc-ic { background: var(--color-surface-3); color: var(--color-text-subtle); }
.doc-body { flex: 1; min-width: 0; }
.doc-name { font-weight: 700; display: flex; align-items: center; gap: .5rem; flex-wrap: wrap; }
.doc-meta { color: var(--color-text-muted); font-size: .78rem; margin-top: 2px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.doc-actions { display: flex; gap: 6px; flex: none; flex-wrap: wrap; align-items: center; }
.doc-actions form { display: inline-flex; }

/* Compact document management controls (view / verify / reject) */
.doc-act {
  display: inline-flex; align-items: center; gap: 5px;
  min-height: 30px; padding: 4px 10px;
  font: inherit; font-size: .78rem; font-weight: 600; line-height: 1;
  color: var(--color-text); text-decoration: none;
  background: var(--color-surface-2);
  border: 1px solid var(--color-border); border-radius: 999px;
  cursor: pointer; white-space: nowrap;
  transition: background var(--transition), border-color var(--transition), color var(--transition), box-shadow var(--transition);
}
.doc-act .icon { width: 14px; height: 14px; flex: none; }
.doc-act:hover { border-color: var(--color-border-strong); }
.doc-act--view:hover { color: var(--color-primary); border-color: color-mix(in srgb, var(--color-primary) 45%, transparent); background: color-mix(in srgb, var(--color-primary) 8%, var(--color-surface-2)); }
.doc-act--verify {
  color: var(--color-success);
  border-color: color-mix(in srgb, var(--color-success) 38%, transparent);
  background: color-mix(in srgb, var(--color-success) 10%, var(--color-surface)); 
}
.doc-act--verify:hover { color: var(--color-success); border-color: var(--color-success); background: color-mix(in srgb, var(--color-success) 16%, var(--color-surface)); }
.doc-act--reject {
  color: var(--color-danger);
  border-color: color-mix(in srgb, var(--color-danger) 38%, transparent);
  background: color-mix(in srgb, var(--color-danger) 8%, var(--color-surface)); 
}
.doc-act--reject:hover { color: var(--color-danger); border-color: var(--color-danger); background: color-mix(in srgb, var(--color-danger) 14%, var(--color-surface)); }

.req-star { color: var(--color-danger); font-weight: 800; }

/* Client mini card */
.client-mini-card { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: var(--sp-4); }
.client-mini-avatar { --ac: var(--color-primary); width: 46px; height: 46px; border-radius: var(--radius-full); flex: none; display: grid; place-items: center; font-weight: 800; font-size: 1rem; background: color-mix(in srgb, var(--ac) 12%, transparent); color: var(--ac); box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--ac) 24%, transparent); }
.client-mini-body { min-width: 0; }
.client-mini-name { font-weight: 700; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.client-mini-sub { color: var(--color-text-muted); font-size: .8rem; }

/* Detail grid — two-column on desktop */
.detail-grid-2col { grid-template-columns: 1fr; gap: 0 var(--sp-5); }
@media (min-width: 720px) { .detail-grid-2col { grid-template-columns: 1fr 1fr; } }
.detail-grid-2col .detail-row:nth-last-child(1):nth-child(2n + 1) { border-bottom: 1px solid var(--color-border); }

/* Applicant card (view application) */
.appl-contact { display: flex; flex-direction: column; }
.appl-row { display: flex; gap: var(--sp-3); align-items: flex-start; padding: var(--sp-3) 0; }
.appl-row + .appl-row { border-top: 1px solid var(--color-border); }
.appl-row-ic { flex: none; width: 36px; height: 36px; border-radius: var(--radius); display: grid; place-items: center; background: color-mix(in srgb, var(--color-primary) 11%, transparent); color: var(--color-primary); }
.appl-row-body { display: flex; flex-direction: column; min-width: 0; gap: 1px; }
.appl-row-label { font-size: .7rem; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); font-weight: 600; }
.appl-row-value { font-weight: 600; font-size: .92rem; overflow-wrap: anywhere; }

/* Timeline refinements */
.app-timeline .tl-title { margin-bottom: 2px; }
.app-timeline .badge { font-size: .74rem; }
.tl-note { font-size: .82rem; color: var(--color-text); margin: 3px 0 2px; }
.tl-meta { display: inline-flex; align-items: center; gap: 4px; font-size: .76rem; color: var(--color-text-muted); }
.tl-meta .icon { color: var(--color-text-subtle); }

/* Card sub-title */
.card-subtitle { font-size: .78rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); margin-bottom: var(--sp-2); }

/* ============================================================
   Admin application detail — hero management controls
   ============================================================ */
.app-detail-hero-actions .btn.hero-solid {
  background: var(--color-success);
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  box-shadow: 0 8px 20px -8px color-mix(in srgb, var(--color-success) 70%, transparent);
}
.app-detail-hero-actions .btn.hero-solid:hover { background: #15803d; color: #fff; transform: translateY(-1px); }
.app-detail-hero-actions .btn.hero-danger {
  background: var(--color-danger);
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  box-shadow: 0 8px 20px -8px color-mix(in srgb, var(--color-danger) 70%, transparent);
}
.app-detail-hero-actions .btn.hero-danger:hover { background: #b91c1c; color: #fff; }
.app-detail-hero-actions .btn.hero-danger-ghost {
  background: color-mix(in srgb, var(--color-danger) 14%, transparent);
  color: #ffd9d9;
  border: 1px solid rgba(255,255,255,.34);
}
.app-detail-hero-actions .btn.hero-danger-ghost:hover { background: color-mix(in srgb, var(--color-danger) 26%, transparent); color: #fff; }
.app-detail-hero-actions .btn .icon { color: currentColor; }

/* ============================================================
   Admin application detail — polished timeline card
   ============================================================ */
.card-timeline { overflow: hidden; }
.card-title-timeline { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); }
.tl-count {
  flex: none; min-width: 26px; height: 26px; padding: 0 .5rem;
  display: inline-grid; place-items: center;
  font-size: .72rem; font-weight: 700; font-variant-numeric: tabular-nums;
  color: var(--color-primary); background: var(--color-primary-soft);
  border: 1px solid color-mix(in srgb, var(--color-primary) 22%, transparent);
  border-radius: var(--radius-full);
}
.app-tl { padding-top: var(--sp-1); }
.app-tl .tl-node {
  width: 32px; height: 32px; margin-top: 1px;
  box-shadow: 0 0 0 4px var(--color-surface);
}
.app-tl .tl-card { padding: var(--sp-3); }
.app-tl .tl-title { font-size: .88rem; }
.app-tl .tl-time { gap: .28rem; font-size: .7rem; padding: .18rem .55rem; }
.app-tl .tl-note { margin: var(--sp-1) 0 0; font-size: .8rem; color: var(--color-text); }
.app-tl .tl-meta {
  display: inline-flex; align-items: center; gap: .4rem;
  margin-top: var(--sp-1); font-size: .74rem; font-weight: 600; color: var(--color-text-muted);
}
.app-tl .tl-meta .icon { color: var(--color-text-subtle); }
.tl-meta-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--color-border-strong); display: inline-block; flex: none;
}
.app-tl .tl-item.is-latest .tl-meta-dot { background: var(--color-primary); }
.app-tl .tl-node.tl--success { background: var(--color-success); border-color: var(--color-success); color: #fff; }
.app-tl .tl-node.tl--info { background: var(--color-info); border-color: var(--color-info); color: #fff; }
.app-tl .tl-node.tl--warn { background: var(--color-warn); border-color: var(--color-warn); color: #fff; }
.app-tl .tl-node.tl--active { background: var(--color-primary); border-color: var(--color-primary); color: #fff; }
.app-tl .tl-node.tl--danger { background: var(--color-danger); border-color: var(--color-danger); color: #fff; }
.app-tl .tl-item.is-latest .tl-card { border-left-color: var(--color-primary); }

/* Document rejected state */
.doc-item.is-rejected { border-left: 3px solid var(--color-danger); background: color-mix(in srgb, var(--color-danger) 4%, var(--color-surface)); }
.doc-item.is-rejected .doc-ic { background: color-mix(in srgb, var(--color-danger) 13%, transparent); color: var(--color-danger); }
.doc-reject-note {
  display: flex; align-items: flex-start; gap: .35rem; margin-top: var(--sp-1);
  font-size: .78rem; color: var(--color-danger);
  background: color-mix(in srgb, var(--color-danger) 8%, transparent);
  border: 1px solid color-mix(in srgb, var(--color-danger) 22%, transparent);
  border-radius: var(--radius); padding: .35rem .55rem;
}
.doc-reject-note .icon { flex: none; margin-top: 1px; }
.doc-reject-note span { min-width: 0; }

/* ============================================================
   Custom modal dialogs (reject reason + change status)
   ============================================================ */
.bmx-modal {
  position: fixed; inset: 0; z-index: 1200;
  display: grid; place-items: start center; padding: var(--sp-6) var(--sp-4);
  background: rgba(8, 14, 24, .55); backdrop-filter: blur(3px);
  overflow-y: auto;
}
.bmx-modal[hidden] { display: none; }
.bmx-modal-inner {
  width: min(100%, 460px); margin-top: 6vh;
  background: var(--color-surface); border: 1px solid var(--color-border-strong);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: var(--sp-5); position: relative;
}
.bmx-modal-inner .confirm-close { top: var(--sp-3); right: var(--sp-3); position: absolute; }
.bmx-modal-head { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: var(--sp-4); }
.bmx-modal-ic {
  flex: none; width: 42px; height: 42px; border-radius: var(--radius);
  display: inline-grid; place-items: center;
  background: var(--color-primary-soft); color: var(--color-primary);
}
.bmx-modal-ic.reject { background: color-mix(in srgb, var(--color-danger) 12%, transparent); color: var(--color-danger); }
.bmx-modal-head > span:last-child { display: grid; gap: 2px; min-width: 0; }
.bmx-modal-head strong { font-size: 1.02rem; }
.bmx-modal-head small { font-size: .82rem; color: var(--color-text-muted); }
.bmx-modal-actions { display: flex; justify-content: flex-end; gap: var(--sp-2); margin-top: var(--sp-4); }
.bmx-modal .form-group textarea, .bmx-modal .form-group select { width: 100%; }
/* ---- Edit-account modal: fixed height, scrollable body, sticky footer ---- */
.bmx-modal-inner--wide { width: min(100%, 760px); }
.edit-modal {
  display: flex; flex-direction: column;
  height: min(86vh, 720px); max-height: min(86vh, 720px);
  padding: 0; overflow: hidden;
}
.edit-modal-head {
  flex: none; display: flex; align-items: center; gap: var(--sp-3);
  padding: var(--sp-5) var(--sp-6);
  border-bottom: 1px solid var(--color-border);
  background: linear-gradient(180deg, color-mix(in srgb, var(--color-primary-soft) 55%, var(--color-surface)) 0%, var(--color-surface) 100%);
}
.edit-modal-ic {
  flex: none; width: 46px; height: 46px; border-radius: 13px;
  display: inline-grid; place-items: center;
  align-self: flex-start; /* keep the icon pinned to the top of the header */
  background: var(--color-primary); color: #fff;
  box-shadow: 0 8px 16px color-mix(in srgb, var(--color-primary) 32%, transparent);
}
.edit-modal-head-title { display: grid; gap: 3px; min-width: 0; flex: 1 1 auto; }
.edit-modal-head-title strong { font-size: 1.1rem; font-weight: 700; letter-spacing: -0.01em; }
.edit-modal-head-title small { font-size: .82rem; line-height: 1.45; color: var(--color-text-muted); }
.edit-modal-close {
  flex: none; width: 34px; height: 34px; border: 1px solid var(--color-border); border-radius: var(--radius);
  background: var(--color-surface); color: var(--color-text-muted);
  display: inline-grid; place-items: center; cursor: pointer;
  transition: color .15s, border-color .15s, background .15s;
}
.edit-modal-close:hover { color: var(--color-text); border-color: var(--color-border-strong); background: var(--color-surface-2); }

.edit-modal form { display: flex; flex-direction: column; flex: 1 1 auto; min-height: 0; }
.edit-modal-body {
  flex: 1 1 auto; min-height: 0; overflow-y: auto;
  padding: var(--sp-5) var(--sp-6) var(--sp-6);
  overscroll-behavior: contain;
}
.edit-modal-body::-webkit-scrollbar { width: 10px; }
.edit-modal-body::-webkit-scrollbar-thumb { background: var(--color-border-strong); border-radius: 8px; border: 3px solid var(--color-surface); }
.edit-modal-body::-webkit-scrollbar-track { background: transparent; }

.bmx-edit-section { margin-bottom: var(--sp-5); }
.bmx-edit-section:last-child { margin-bottom: 0; }
.bmx-edit-section-title {
  display: flex; align-items: center; gap: var(--sp-2);
  font-weight: 700; font-size: .8rem; text-transform: uppercase; letter-spacing: .04em;
  color: var(--color-text-muted); margin: 0 0 var(--sp-3); padding-bottom: var(--sp-2);
  border-bottom: 1px dashed var(--color-border);
}
.bmx-edit-section-title .icon {
  color: var(--color-primary); background: var(--color-primary-soft);
  padding: 4px; border-radius: 7px; box-sizing: content-box;
}
.bmx-edit-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3) var(--sp-4); }
.bmx-edit-grid .span2 { grid-column: 1 / -1; }
.bmx-edit-pw-hint { grid-column: 1 / -1; }

.edit-modal-foot {
  flex: none; display: flex; align-items: center; justify-content: flex-end; gap: var(--sp-3);
  padding: var(--sp-4) var(--sp-6);
  border-top: 1px solid var(--color-border);
  background: color-mix(in srgb, var(--color-surface-2) 60%, var(--color-surface));
}
.edit-modal-foot-hint { margin: 0; margin-right: auto; }
.edit-modal-actions { display: flex; gap: var(--sp-2); flex: none; }

@media (max-width: 640px) {
  .edit-modal { height: 92vh; max-height: 92vh; margin-top: 2vh; }
  .bmx-edit-grid { grid-template-columns: 1fr; }
  .bmx-edit-grid .span2 { grid-column: auto; }
}

/* Admin term-sheet additional-fees editor */
.fee-rows { display: flex; flex-direction: column; gap: .5rem; }
.fee-row { display: flex; gap: .5rem; align-items: center; }
.fee-row input[type=text] { flex: 1 1 auto; }
.fee-row input[type=number] { flex: 0 0 150px; }
.fee-row .btn { flex: none; }
.fee-actions { display: flex; gap: .5rem; justify-content: flex-end; flex-wrap: wrap; align-items: center; }

/* Admin · Quotes (preliminary quote generator) */
.quote-products { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--sp-3); }
.quote-product {
  display: flex; align-items: flex-start; gap: var(--sp-2);
  border: 1px solid var(--color-border-strong); border-radius: var(--radius);
  padding: var(--sp-3) var(--sp-4); cursor: pointer;
}
.quote-product:has(input:checked) { border-color: var(--color-primary); background: var(--color-primary-soft); }
.quote-product input { margin-top: .25rem; flex: none; }
.quote-product-body { display: grid; gap: 2px; min-width: 0; }
.quote-product-name { font-weight: 700; }
.quote-product-meta { font-size: .82rem; color: var(--color-text-muted); }
.quote-actions { display: flex; align-items: center; gap: var(--sp-3); flex-wrap: wrap; margin-top: var(--sp-4); }
/* Row actions that hold a delete form alongside a link. */
.row-actions { display: inline-flex; align-items: center; gap: .35rem; justify-content: flex-end; }
.row-actions form { display: inline; margin: 0; }
.row-action--danger:hover { background: color-mix(in srgb, var(--color-danger) 14%, transparent); border-color: var(--color-danger); color: var(--color-danger); }
@media (max-width: 640px) { .quote-products { grid-template-columns: minmax(0, 1fr); } }

/* Admin term-sheet offer validity + upfront-fee editor */
.offer-details { display: grid; gap: var(--sp-4); }
.offer-field { border: 1px solid var(--color-border-strong); border-radius: var(--radius); padding: var(--sp-3) var(--sp-4) var(--sp-4); margin: 0; }
.offer-legend { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-muted); padding: 0 6px; }
.offer-valid-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); }
.offer-valid-inputs input[type=number] { min-width: 0; }
.upf-yesno { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.upf-methods { margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px dashed var(--color-border); }
.upf-crypto-grid { display: grid; grid-template-columns: repeat(2, 1fr); column-gap: var(--sp-4); row-gap: var(--sp-4); }
.upf-crypto-grid > .form-group { margin-bottom: 0; }
.upf-crypto-grid .is-full { grid-column: 1 / -1; }
@media (max-width: 720px) { .upf-crypto-grid { grid-template-columns: 1fr; } }


/* Client portal: term-sheet offer card */
.app-term-totals { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 6px; }
.app-term-stat { background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius); padding: 12px; display: flex; flex-direction: column; gap: 3px; }
.app-term-label { font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-subtle); font-weight: 600; }
.app-term-value { font-weight: 700; font-variant-numeric: tabular-nums; }
.app-term-fees { margin-top: 10px; border-top: 1px dashed var(--color-border); padding-top: 6px; }
/* Fee breakdown on the client loan-offer card */
.app-term-fee-breakdown { margin-top: 14px; border-top: 1px dashed var(--color-border); padding-top: 12px; }
.app-term-fee-breakdown .app-term-fee-head { display: flex; align-items: center; gap: 6px; font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-subtle); font-weight: 600; margin-bottom: 6px; }
.app-term-fee-breakdown .app-term-fee-rows { border: 1px solid var(--color-border); border-radius: var(--radius) var(--radius) 0 0; overflow: hidden; }
.app-term-fee-row { display: flex; justify-content: space-between; align-items: center; gap: var(--sp-4); padding: 8px 12px; background: var(--color-surface); }
.app-term-fee-row + .app-term-fee-row { border-top: 1px solid var(--color-border); }
.app-term-fee-label { color: var(--color-text); }
.app-term-fee-amount { font-weight: 700; font-variant-numeric: tabular-nums; }
.app-term-fee-total { display: flex; justify-content: space-between; align-items: center; gap: var(--sp-4); padding: 10px 12px; border: 1px solid var(--color-border); border-top: none; border-radius: 0 0 var(--radius) var(--radius); background: var(--color-surface-2); }
.app-term-fee-total .app-term-fee-label { font-weight: 700; }
.app-term-fee-total .app-term-fee-amount { font-weight: 800; }
.app-term-note { display: flex; gap: 8px; align-items: center; padding: 10px 12px; border-radius: var(--radius); font-weight: 600; }
.app-term-note--ok { background: color-mix(in srgb, var(--color-success) 14%, transparent); color: var(--color-success); }
.app-term-note--danger { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.app-term-actions { display: flex; gap: .6rem; flex-wrap: wrap; align-items: center; }
.app-term-actions form.inline { margin: 0; }
@media (max-width: 640px) { .app-term-totals { grid-template-columns: 1fr; } }
/* =========================================================================
   Admin — Loans portfolio (active/settled management) + Loan detail
   ========================================================================= */

/* Hero mentions */
.lo-meta { display: flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; margin-top: var(--sp-4); }
.lo-meta-pill { display: inline-flex; align-items: center; gap: 7px; padding: .38rem .85rem; border-radius: var(--radius-full); background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.24); font-size: .82rem; font-weight: 600; color: #fff; box-shadow: var(--shadow-sm); backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px); }
.lo-meta-pill strong { font-weight: 800; }
.lo-back { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; font-weight: 700; color: rgba(255,255,255,.85); margin-bottom: var(--sp-3); }
.lo-back:hover { color: #fff; text-decoration: none; }

/* List KPIs */
.lo-kpis .rich-card { padding: var(--sp-5); }

/* Search in the portfolio toolbar — input and button grouped into one pill */
.apps-search { display: flex; align-items: center; }
.apps-search-group {
  display: flex; align-items: stretch;
  flex: 1 1 320px; max-width: 460px;
  min-height: 42px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.apps-search-group:focus-within {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 4px var(--color-ring);
}
.apps-search-group input[type="search"] {
  flex: 1 1 auto; min-width: 0; min-height: 0;
  padding: .55rem 1rem;
  border: none; background: transparent; box-shadow: none;
  font-size: .9rem; color: var(--color-text);
}
.apps-search-group input[type="search"]:focus { outline: none; border: none; box-shadow: none; }
.apps-search-clear { display: inline-grid; place-items: center; width: 34px; flex: none; color: var(--color-text-muted); }
.apps-search-clear:hover { color: var(--color-danger); }
.apps-search-btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: 0 1.05rem; border: none; border-left: 1px solid var(--color-border);
  background: var(--color-surface-2); color: var(--color-text); cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.apps-search-btn:hover { background: var(--color-surface-3); color: var(--color-primary); }
.apps-search-btn .icon { width: 17px; height: 17px; }
.apps-footer { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; padding-top: var(--sp-4); margin-top: var(--sp-4); border-top: 1px solid var(--color-border); }

/* Progress cell inside the loans table */
.lo-progress { display: flex; flex-direction: column; gap: 6px; min-width: 132px; }
.lo-progress-bar { height: 7px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.lo-progress-fill { display: block; height: 100%; border-radius: var(--radius-full); background: var(--gradient-primary); transition: width .35s ease; }
.lo-progress-fill.is-warn { background: linear-gradient(90deg, var(--color-warn), color-mix(in srgb, var(--color-warn) 45%, #fff)); }
.lo-progress-fill.is-success { background: linear-gradient(90deg, var(--color-success), color-mix(in srgb, var(--color-success) 45%, #fff)); }
.lo-progress-meta { display: flex; justify-content: space-between; font-size: .74rem; color: var(--color-text-subtle); font-weight: 600; }
.lo-progress-meta b { color: var(--color-text-muted); font-weight: 700; }

/* Due / overdue chips */
.due-chip { display: inline-flex; align-items: center; gap: 6px; padding: .32rem .72rem; border-radius: var(--radius-full); font-size: .76rem; font-weight: 700; line-height: 1.3; }
.due-chip.is-ok { background: color-mix(in srgb, var(--color-success) 13%, transparent); color: var(--color-success); }
.due-chip.is-soon { background: color-mix(in srgb, var(--color-warn) 15%, transparent); color: var(--color-warn); }
.due-chip.is-now { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.due-chip.is-inactive { background: var(--color-surface-2); color: var(--color-text-muted); }

/* ---- Loan detail: overview grid ---- */
.lo-overview { display: grid; grid-template-columns: 1fr; gap: var(--sp-4); margin-bottom: var(--sp-5); align-items: stretch; }
@media (min-width: 920px) { .lo-overview { grid-template-columns: minmax(300px, .9fr) 1.3fr; } }

.lo-health-card { display: flex; flex-direction: column; justify-content: space-between; }
.lo-kpi-col { display: flex; flex-direction: column; min-width: 0; }
.lo-kpi-col .stat-cards.rich-2 { margin: 0; }
.lo-health-head { display: flex; flex-direction: column; gap: var(--sp-4); align-items: center; text-align: center; padding-bottom: var(--sp-4); }
@media (min-width: 520px) { .lo-health-head { flex-direction: row; text-align: left; gap: var(--sp-5); } }
.lo-donut { --p: 0; position: relative; width: 128px; height: 128px; flex: none; }
.lo-donut-track { width: 100%; height: 100%; border-radius: 50%; background: conic-gradient(var(--color-primary) calc(var(--p)*1%), var(--color-surface-3) 0); display: grid; place-items: center; }
.lo-donut-track::before { content: ""; width: 88px; height: 88px; border-radius: 50%; background: var(--color-surface); box-shadow: inset 0 0 0 1px var(--color-border); }
.lo-donut-value { position: absolute; inset: 0; display: grid; place-items: center; }
.lo-donut-inner { text-align: center; }
.lo-donut-pct { display: block; font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; line-height: 1; }
.lo-donut-label { font-size: .7rem; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .05em; font-weight: 700; }
.lo-health-copy { flex: 1; min-width: 0; }
.lo-health-copy h3 { margin: 0 0 var(--sp-1); }
.lo-health-copy p { margin: 0 0 var(--sp-3); color: var(--color-text-muted); font-size: .88rem; }
.lo-health-total { display: flex; align-items: baseline; gap: .45rem; flex-wrap: wrap; }
.lo-health-total .money { font-family: var(--font-display); font-size: 1.7rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.lo-health-total small { color: var(--color-text-subtle); }


/* Repayment breakdown bars */
.lo-breakdown { border-top: 1px solid var(--color-border); padding-top: var(--sp-4); display: flex; flex-direction: column; gap: var(--sp-3); }
.lo-line { display: grid; grid-template-columns: 96px 1fr auto; gap: var(--sp-3); align-items: center; }
.lo-line-label { display: flex; flex-direction: column; line-height: 1.3; }
.lo-line-label span { font-size: .74rem; color: var(--color-text-subtle); font-weight: 600; }
.lo-line-label strong { font-size: .84rem; font-variant-numeric: tabular-nums; }
.lo-line-bar { height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.lo-line-fill { display: block; height: 100%; border-radius: var(--radius-full); background: var(--color-primary); }
.lo-line-fill.c-success { background: var(--color-success); }
.lo-line-fill.c-warn { background: var(--color-warn); }
.lo-line-fill.c-danger { background: var(--color-danger); }
.lo-line-meta { font-size: .74rem; color: var(--color-text-subtle); font-weight: 600; min-width: 52px; text-align: right; font-variant-numeric: tabular-nums; }

/* Detail KPI cards */
.lo-kpis-detail { grid-template-columns: repeat(2, 1fr); }
@media (min-width: 1200px) { .lo-kpis-detail { grid-template-columns: repeat(4, 1fr); } }

/* Term tiles */
.term-tiles { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--sp-3); }
@media (min-width: 560px) { .term-tiles { grid-template-columns: repeat(3, 1fr); } }
.term-tile { padding: var(--sp-3); background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius); display: flex; flex-direction: column; gap: 2px; }
.term-tile span { font-size: .72rem; color: var(--color-text-subtle); text-transform: uppercase; letter-spacing: .05em; font-weight: 600; }
.term-tile strong { font-size: .95rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.term-tile strong .cur { font-size: .72rem; color: var(--color-text-muted); margin-left: 3px; font-weight: 700; }

/* Management action cards */
.mgmt-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-4); }
@media (min-width: 760px) { .mgmt-grid { grid-template-columns: repeat(3, 1fr); } }
.mgmt-card { background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-5); display: flex; flex-direction: column; }
.mgmt-card form { display: flex; flex-direction: column; flex: 1; }
.mgmt-card .mgmt-form-body { flex: 1; display: flex; flex-direction: column; gap: var(--sp-2); }
.mgmt-head { display: flex; align-items: center; gap: var(--sp-3); margin-bottom: var(--sp-4); }
.mgmt-head strong { font-size: 1rem; }
.mgmt-ic { display: inline-grid; place-items: center; width: 42px; height: 42px; flex: none; border-radius: var(--radius); background: var(--color-primary-soft); color: var(--color-primary); }
.mgmt-ic.ic-warn { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.mgmt-ic.ic-danger { background: color-mix(in srgb, var(--color-danger) 14%, transparent); color: var(--color-danger); }
.mgmt-card input[type="number"], .mgmt-card input[type="text"] { width: 100%; }
.mgmt-card input[type="number"] { font-variant-numeric: tabular-nums; }
.lo-field-label { font-size: .74rem; font-weight: 700; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .05em; }
.mgmt-card .btn { margin-top: var(--sp-3); justify-content: center; }
.mgmt-note { font-size: .8rem; color: var(--color-text-subtle); line-height: 1.5; }
.mgmt-total { display: flex; align-items: baseline; justify-content: space-between; margin-top: auto; padding-top: var(--sp-3); border-top: 1px dashed var(--color-border); }
.mgmt-total span { font-size: .78rem; color: var(--color-text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.mgmt-total strong { font-family: var(--font-display); font-size: 1.25rem; font-weight: 800; font-variant-numeric: tabular-nums; }

/* Settlement banner */
.dash-banner .btn { flex: none; }

/* Schedule table niceties */
.lo-sched tr.is-overdue td { background: color-mix(in srgb, var(--color-danger) 5%, transparent); }
.lo-sched tr.is-current td { background: color-mix(in srgb, var(--color-primary) 6%, transparent); }
.lo-sched .num-tag { display: inline-grid; place-items: center; width: 28px; height: 28px; border-radius: var(--radius-full); background: var(--color-surface-3); color: var(--color-text-muted); font-size: .78rem; font-weight: 800; }
.lo-sched .num-tag.is-paid { background: color-mix(in srgb, var(--color-success) 16%, transparent); color: var(--color-success); }
.lo-sched .num-tag.is-due { background: color-mix(in srgb, var(--color-primary) 16%, transparent); color: var(--color-primary); }

/* ---- Collapsible repayment schedule ---- */
.lo-collapse summary.lo-collapse-head { list-style: none; display: flex; align-items: center; gap: var(--sp-3); cursor: pointer; }
.lo-collapse summary.lo-collapse-head::-webkit-details-marker { display: none; }
.lo-collapse summary.lo-collapse-head::marker { content: ""; }
.lo-collapse summary.lo-collapse-head:hover .lo-collapse-title { color: var(--color-primary); }
.lo-collapse .lo-collapse-title { display: flex; align-items: flex-start; gap: var(--sp-3); min-width: 0; flex: 1 1 auto; transition: color var(--transition); }
.lo-collapse .lo-collapse-title .icon { flex: none; display: block; color: var(--color-primary); }
.lo-collapse .lo-collapse-heading { display: flex; flex-direction: column; align-items: flex-start; gap: 2px; min-width: 0; line-height: 1.25; }
.lo-collapse .lo-collapse-heading-title { display: inline-flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; font-weight: 600; }
.lo-collapse .lo-collapse-caret { margin-left: var(--sp-3); flex: none; display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: var(--radius-full); background: var(--color-surface-2); color: var(--color-text-muted); transition: transform var(--transition), background var(--transition), color var(--transition); }
.lo-collapse[open] .lo-collapse-caret { transform: rotate(180deg); }
.lo-collapse .lo-collapse-caret .icon { color: currentColor; }
.lo-collapse > .table-wrap { margin-top: var(--sp-4); }

/* Small counters used in card headers */
.kbd-count { display: inline-flex; align-items: center; gap: 6px; padding: .2rem .6rem; border-radius: var(--radius-full); background: var(--color-surface-2); color: var(--color-text-muted); font-size: .76rem; font-weight: 700; }
.kbd-count b { color: var(--color-primary); }

@media (max-width: 640px) {
  .lo-kpis-detail { grid-template-columns: 1fr; }
  .apps-search { width: 100%; }
  .apps-search-group { flex: 1 1 auto; max-width: 100%; }
  .apps-search-group input[type="search"] { flex: 1 1 auto; }
  .apps-search-btn { padding-left: 1rem; padding-right: 1rem; }
}

/* ============================================================
   Admin — Client detail page (redesigned)
   Profile hero, KPI strip, contact card, tabbed workspace,
   login-history + audit tables.
   ============================================================ */

/* Account details — polished category tiles */
.client-details {
  display: grid; grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: var(--sp-5); margin-bottom: var(--sp-5);
}
.cd-card {
  display: flex; flex-direction: column;
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  background: var(--color-surface); box-shadow: var(--shadow-sm);
  padding: var(--sp-4) var(--sp-5); min-width: 0;
  transition: box-shadow var(--transition), border-color var(--transition);
}
.cd-card:hover { box-shadow: var(--shadow); border-color: var(--color-border-strong); }
.cd-card-head {
  display: flex; align-items: center; gap: var(--sp-3);
  margin-bottom: var(--sp-4); padding-bottom: var(--sp-3);
  border-bottom: 1px solid var(--color-border);
}
.cd-card-ic {
  --cc: var(--color-primary);
  display: inline-grid; place-items: center; flex: none;
  width: 40px; height: 40px; border-radius: var(--radius);
  background: color-mix(in srgb, var(--cc) 12%, transparent); color: var(--cc);
}
.cd-card-title {
  font-family: var(--font-display); font-weight: 700; font-size: .98rem;
  margin: 0; color: var(--color-text); line-height: 1.2;
}
.cd-personal .cd-card-ic { --cc: var(--color-primary); }
.cd-contact .cd-card-ic { --cc: var(--color-accent-hover); }
.cd-employment .cd-card-ic { --cc: var(--color-warn); }
.cd-banking .cd-card-ic { --cc: var(--color-success); }

.cd-fields { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3) var(--sp-4); }
.cd-field { display: flex; flex-direction: column; gap: 2px; min-width: 0; }
.cd-field--full { grid-column: 1 / -1; }
.cd-field-label {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .7rem; color: var(--color-text-muted);
  font-weight: 700; text-transform: uppercase; letter-spacing: .05em;
}
.cd-field-label .icon { color: var(--color-text-subtle); }
.cd-field-value {
  font-weight: 600; font-size: .93rem; color: var(--color-text);
  font-variant-numeric: tabular-nums; word-break: break-word;
  display: inline-flex; align-items: center; gap: 8px; flex-wrap: wrap;
}
.cd-field-value.mono { font-family: var(--font-mono); font-size: .86rem; letter-spacing: .02em; }

/* Employment status pill + currency tag */
.emp-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: .22rem .7rem; border-radius: var(--radius-full);
  background: color-mix(in srgb, var(--color-warn) 13%, transparent);
  border: 1px solid color-mix(in srgb, var(--color-warn) 32%, transparent);
  color: var(--color-warn); font-weight: 700; font-size: .82rem;
}
.cur-chip {
  font-size: .68rem; font-weight: 700; letter-spacing: .04em;
  padding: .14rem .5rem; border-radius: var(--radius-full);
  background: var(--color-surface-2); border: 1px solid var(--color-border);
  color: var(--color-text-muted);
}

@media (max-width: 900px) {
  .client-details { grid-template-columns: 1fr; }
  .cd-fields { grid-template-columns: 1fr; }
  .cd-field--full { grid-column: auto; }
}

/* Rich-card strip sits tightly under the hero band */
.client-metrics { margin-top: var(--sp-1); }

/* Tab bar with live counts */
.client-tabs { gap: var(--sp-2); }
.client-tabs a { display: inline-flex; align-items: center; gap: var(--sp-2); }
.client-tabs a .icon { opacity: .75; }
.client-tabs a.active .icon { color: var(--color-primary); }
.tabs-count {
  display: inline-grid; place-items: center; min-width: 22px; height: 22px; padding: 0 7px;
  border-radius: var(--radius-full); background: var(--color-surface-2);
  color: var(--color-text-muted); font-size: .72rem; font-weight: 700;
  font-variant-numeric: tabular-nums; transition: background var(--transition), color var(--transition);
}
.client-tabs a.active .tabs-count { background: var(--color-primary); color: #fff; }

/* IP / geolocation chips */
.mono-ip {
  font-family: var(--font-mono); font-size: .82rem;
  padding: .22rem .55rem; border-radius: var(--radius-sm);
  background: var(--color-surface-2); border: 1px solid var(--color-border);
  color: var(--color-text); white-space: nowrap;
}
.loc-chip {
  display: inline-flex; align-items: center; gap: var(--sp-2);
  padding: .3rem .6rem; border-radius: var(--radius);
  background: color-mix(in srgb, var(--color-info) 8%, var(--color-surface));
  border: 1px solid color-mix(in srgb, var(--color-info) 22%, var(--color-border));
}
.loc-flag { font-size: 1.05rem; line-height: 1; filter: drop-shadow(0 1px 1px rgba(0,0,0,.18)); }
.loc-text { display: flex; flex-direction: column; line-height: 1.25; font-weight: 600; font-size: .86rem; }
.loc-sub { font-size: .74rem; color: var(--color-text-muted); font-weight: 500; }

/* Browser / OS device chips */
.dev-chips { display: flex; flex-direction: column; gap: 4px; align-items: flex-start; }
.dev-chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: .18rem .55rem; border-radius: var(--radius-full);
  background: var(--color-surface-2); color: var(--color-text-muted);
  font-size: .76rem; font-weight: 600; white-space: nowrap;
}
.dev-chip .icon { color: var(--color-primary); }

/* Audit before/after diff */
.audit-diff { display: inline-flex; align-items: center; gap: 7px; max-width: 360px; flex-wrap: wrap; }
.audit-old { color: var(--color-danger); text-decoration: line-through; }
.audit-arrow { color: var(--color-text-subtle); flex: none; }
.audit-new { color: var(--color-success); }

/* Login / audit tables use the roomier app-style rows */
.login-history-table td, .audit-table td { padding-top: var(--sp-3); padding-bottom: var(--sp-3); vertical-align: middle; }

/* Vertically centre rows across the client-workspace tab tables */
.tab-panel .apps-table td,
.tab-panel .apps-table th { vertical-align: middle; }

@media (max-width: 900px) {
  .client-tabs a { gap: var(--sp-1); }
  .audit-diff { max-width: 220px; }
}

/* ============================================================
   Admin — Contact leads page (redesigned)
   Hero, KPI row, filter pills, inbox table with message excerpts.
   ============================================================ */

/* Vertically centre every row so avatars, multi-line message
   excerpts, badges and actions all line up on the same axis. */
.leads-table th,
.leads-table td { vertical-align: middle; }

/* Unread message rows get a softly tinted background. */
.leads-table tbody tr.is-unread {
  background: color-mix(in srgb, var(--color-warn) 5%, var(--color-surface));
}
.leads-table tbody tr.is-unread:hover { background: var(--color-surface-2); }

/* Sender name darkens when unread. */
.leads-table tbody tr.is-unread .table-link { font-weight: 700; }

/* Message excerpt — clamp to two lines so the table stays tidy. */
.lead-msg {
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
  max-width: 440px;
  font-size: .86rem;
  line-height: 1.5;
  color: var(--color-text-muted);
}
.lead-msg.is-unread { color: var(--color-text); }

/* Handled tick in the action column. */
.handled-tick {
  display: inline-grid; place-items: center;
  width: 36px; height: 36px;
  border-radius: var(--radius-full);
  background: color-mix(in srgb, var(--color-success) 14%, transparent);
  color: var(--color-success);
}
.lead-handled-form { display: inline-block; margin: 0; }
.lead-handled-form .btn { white-space: nowrap; }

/* ============================================================
   Admin — Audit log page (redesigned rich trail explorer)
   ============================================================ */
.audit-hero { position: relative; }
.audit-live-dot { width: 9px; height: 9px; border-radius: var(--radius-full); background: #34d399;
  box-shadow: 0 0 0 0 rgba(52, 211, 153, .55); animation: auditPulse 2s infinite; }
@keyframes auditPulse {
  0% { box-shadow: 0 0 0 0 rgba(52, 211, 153, .55); }
  70% { box-shadow: 0 0 0 9px rgba(52, 211, 153, 0); }
  100% { box-shadow: 0 0 0 0 rgba(52, 211, 153, 0); }
}
.audit-hero-stamp { display: inline-flex; align-items: center; gap: 7px; padding: .42rem .95rem;
  border-radius: var(--radius); background: rgba(255, 255, 255, .12); border: 1px solid rgba(255, 255, 255, .3);
  color: #fff; font-size: .86rem; font-weight: 600; box-shadow: var(--shadow-sm); backdrop-filter: blur(4px); }

.audit-metrics { margin-bottom: var(--sp-5); }
.audit-metrics .rich-card { padding: var(--sp-4); }
.audit-metrics .rc-icon { width: 44px; height: 44px; }

.audit-card { padding: 0; overflow: hidden; }
.audit-deck { padding: var(--sp-5); border-bottom: 1px solid var(--color-border); background: var(--color-surface-2); }
.audit-deck-primary { display: flex; align-items: center; gap: var(--sp-4); flex-wrap: wrap; }

.audit-search-field { flex: 1 1 320px; max-width: 520px; }
.audit-search-field .apps-search-group { flex: 1 1 auto; max-width: none; }

.audit-actor-chips { flex: 0 1 auto; }
.audit-actor-chips .pill { padding: 6px 12px; font-size: .83rem; }

.audit-deck-actions { display: flex; align-items: center; gap: var(--sp-2); margin-left: auto; flex-wrap: wrap; }

/* Advanced-filters toggle */
.audit-toggle {
  display: inline-flex; align-items: center; gap: 7px;
  padding: .48rem .85rem; border-radius: var(--radius-full);
  border: 1px solid var(--color-border); background: var(--color-surface);
  color: var(--color-text-muted); font: inherit; font-weight: 600; font-size: .83rem;
  cursor: pointer; white-space: nowrap;
  transition: border-color var(--transition), color var(--transition), background var(--transition);
}
.audit-toggle:hover { color: var(--color-text); border-color: var(--color-border-strong); }
.audit-toggle.is-open { color: var(--color-primary); border-color: color-mix(in srgb, var(--color-primary) 45%, var(--color-border)); background: var(--color-primary-soft); }
.audit-toggle-badge {
  display: inline-grid; place-items: center; min-width: 18px; height: 18px; padding: 0 5px;
  border-radius: var(--radius-full); background: var(--color-primary); color: #fff;
  font-size: .7rem; font-weight: 700; font-variant-numeric: tabular-nums;
}
.audit-chevron { display: inline-flex; transition: transform var(--transition); }
.audit-toggle.is-open .audit-chevron { transform: rotate(180deg); }

/* Secondary row — compact segment fields */
.audit-deck-advanced {
  display: none;
  grid-template-columns: minmax(190px, 1.35fr) minmax(170px, 1.2fr) minmax(150px, 1fr) minmax(150px, 1fr);
  gap: var(--sp-3); margin-top: var(--sp-4);
}
.audit-deck-advanced.is-open { display: grid; }
.audit-advanced-field {
  display: flex; align-items: center; gap: .5rem;
  padding: 0 .7rem; min-height: 42px;
  background: var(--color-surface);
  border: 1px solid var(--color-border); border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.audit-advanced-field:focus-within { border-color: var(--color-primary); box-shadow: 0 0 0 4px var(--color-ring); }
.audit-advanced-field label {
  flex: none; font-size: .68rem; font-weight: 800; text-transform: uppercase; letter-spacing: .05em;
  color: var(--color-text-subtle);
}
.audit-advanced-field select,
.audit-advanced-field input[type="date"] {
  flex: 1 1 auto; min-width: 0; border: none; background: transparent;
  min-height: 40px; padding: 0; font: inherit; font-size: .88rem; font-weight: 600; color: var(--color-text);
}
.audit-advanced-field select:focus, .audit-advanced-field input[type="date"]:focus { outline: none; }

/* Result bar + removable active-filter chips */
.audit-result-bar { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap;
  padding: var(--sp-3) var(--sp-5); border-bottom: 1px solid var(--color-border); background: var(--color-surface-2); }
.audit-active-chips { display: flex; align-items: center; gap: 7px; flex-wrap: wrap; }
.audit-active-empty { display: inline-flex; align-items: center; gap: 7px; color: var(--color-text-subtle); font-size: .8rem; font-weight: 600; }
.audit-chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: .3rem .35rem .3rem .6rem;
  border-radius: var(--radius-full);
  background: color-mix(in srgb, var(--color-primary) 9%, var(--color-surface));
  border: 1px solid color-mix(in srgb, var(--color-primary) 30%, var(--color-border));
  color: var(--color-text); font-size: .8rem; font-weight: 600;
}
.audit-chip > .icon { color: var(--color-primary); flex: none; }
.audit-chip-label { white-space: nowrap; }
.audit-chip-x {
  display: inline-grid; place-items: center; width: 20px; height: 20px; border-radius: var(--radius-full);
  color: var(--color-text-muted); transition: background var(--transition), color var(--transition);
}
.audit-chip-x:hover { background: var(--color-danger); color: #fff; }
.audit-result-meta { display: flex; align-items: center; gap: var(--sp-4); flex-wrap: wrap; }
.audit-result-count { display: inline-flex; align-items: center; gap: 7px; font-weight: 700; font-size: .9rem; color: var(--color-text); }
.audit-result-count .icon { color: var(--color-primary); }
.audit-caption { display: inline-flex; align-items: center; gap: 6px; color: var(--color-text-muted); font-size: .8rem; }

.audit-card-foot { display: flex; align-items: center; gap: 6px; padding: var(--sp-3) var(--sp-5); border-top: 1px solid var(--color-border); }

.audit-table { min-width: 900px; }
.audit-table th, .audit-table td { vertical-align: middle; }

.audit-actor { display: inline-flex; align-items: center; gap: var(--sp-3); }
.audit-avatar { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: var(--radius); flex: none; }
.audit-avatar.act-admin { background: var(--color-primary-soft); color: var(--color-primary); }
.audit-avatar.act-client { background: var(--color-accent-soft); color: var(--color-accent-hover); }
.audit-avatar.act-api { background: color-mix(in srgb, var(--color-warn) 16%, transparent); color: var(--color-warn); }
.audit-avatar.act-system { background: var(--color-surface-3); color: var(--color-text-muted); }
.audit-actor-meta { display: flex; flex-direction: column; line-height: 1.25; }
.audit-actor-meta .act-name { font-weight: 600; font-size: .9rem; color: var(--color-text); }
.audit-actor-meta .act-id { font-size: .74rem; color: var(--color-text-subtle); }

.audit-entity { display: inline-flex; align-items: center; gap: 7px; color: var(--color-text); font-weight: 600; font-size: .86rem; white-space: nowrap; }
.audit-entity > .icon { color: var(--color-primary); }
.audit-entity-id { padding: .12rem .45rem; border-radius: var(--radius-sm); background: var(--color-surface-2);
  border: 1px solid var(--color-border); font-size: .74rem; color: var(--color-text-muted); font-variant-numeric: tabular-nums; }

.audit-changes-cell { max-width: 360px; }
.audit-changes { display: inline-block; font-size: .82rem; color: var(--color-text-muted); line-height: 1.5; }

.audit-card-foot { display: flex; align-items: center; gap: 6px; padding: var(--sp-3) var(--sp-5); border-top: 1px solid var(--color-border); }

@media (max-width: 1120px) {
  .audit-deck-advanced { grid-template-columns: repeat(2, minmax(170px, 1fr)); }
}
@media (max-width: 640px) {
  .audit-deck-primary { gap: var(--sp-3); }
  .audit-search-field { flex: 1 1 100%; max-width: none; }
  .audit-actor-chips { width: 100%; }
  .audit-deck-actions { margin-left: 0; width: 100%; }
  .audit-deck-actions .btn { flex: 1; }
  .audit-actor-chips { margin-left: 8px; }
  .audit-deck-advanced { grid-template-columns: 1fr; }
  .audit-changes-cell { max-width: 220px; }
}

/* ============================================================
   Shared pagination (audit lists)
   ============================================================ */
.pager { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; }
.pager-info { display: inline-flex; align-items: center; gap: 7px; color: var(--color-text-muted); font-size: .84rem; font-weight: 600; }
.pager-info .icon { color: var(--color-primary); }
.pager-controls { display: flex; align-items: center; gap: 6px; flex-wrap: wrap; }
.pager-btn, .pager-num { display: inline-flex; align-items: center; gap: 4px; justify-content: center; min-width: 34px; height: 34px; padding: 0 .6rem; border-radius: var(--radius); border: 1px solid var(--color-border); background: var(--color-surface); color: var(--color-text); font-weight: 600; font-size: .85rem; text-decoration: none; transition: border-color var(--transition), color var(--transition), background var(--transition); }
.pager-btn:hover, .pager-num:hover { text-decoration: none; border-color: var(--color-primary); color: var(--color-primary); }
.pager-btn .icon { width: 15px; height: 15px; }
.pager-num.is-current { background: var(--color-primary); border-color: var(--color-primary); color: #fff; box-shadow: var(--shadow-sm); }
.pager-btn.is-disabled { opacity: .45; pointer-events: none; }
.pager-dots { color: var(--color-text-subtle); padding: 0 2px; font-weight: 700; }

.audit-card-foot { padding-block: var(--sp-4); }

/* ==========================================================================
   Admin Settings — control center redesign
   ========================================================================== */

/* Two-column layout with sticky section nav */
.settings-grid { display: grid; gap: var(--sp-5); grid-template-columns: 1fr; align-items: start; }
.settings-status { gap: var(--sp-4); }

.settings-nav {
  position: relative; display: flex; gap: var(--sp-2); padding: var(--sp-1);
  overflow-x: auto; -webkit-overflow-scrolling: touch;
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-sm);
}
.settings-nav::-webkit-scrollbar { height: 6px; }
.settings-nav::-webkit-scrollbar-thumb { background: var(--color-surface-3); border-radius: 99px; }
.snav {
  flex: none; display: flex; align-items: center; gap: var(--sp-2);
  padding: var(--sp-2) var(--sp-3); border: 0; background: transparent; cursor: pointer;
  font: inherit; font-weight: 600; color: var(--color-text-muted);
  border-radius: var(--radius); white-space: nowrap;
  transition: background var(--transition), color var(--transition);
}
.snav:hover { background: var(--color-surface-2); color: var(--color-text); }
.snav.is-active { background: var(--color-primary-soft); color: var(--color-primary); }
.snav-ic {
  flex: none; display: inline-grid; place-items: center; width: 26px; height: 26px;
  border-radius: 8px; background: var(--color-surface-2); color: var(--color-text-muted);
  transition: background var(--transition), color var(--transition);
}
.snav.is-active .snav-ic { background: var(--color-primary); color: #fff; }
.snav-count {
  flex: none; min-width: 22px; padding: 1px 7px; margin-left: 6px; text-align: center;
  font-size: .72rem; font-weight: 800; border-radius: 99px;
  background: var(--color-surface-2); color: var(--color-text-muted);
}
.snav.is-active .snav-count { background: var(--color-primary); color: #fff; }
.snav-chev { margin-left: auto; opacity: .45; }

/* Panes */
.settings-panes { min-width: 0; }
.settings-pane { display: none; min-width: 0; }
.settings-pane.is-active { display: grid; gap: var(--sp-4); }
.settings-pane form { display: contents; }
.settings-pane > form + form { margin-top: var(--sp-4); }

/* Cards */
.settings-card {
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); overflow: hidden;
}
.scard-head { display: flex; align-items: flex-start; gap: var(--sp-4); padding: var(--sp-5) var(--sp-5) 0; }
.scard-ic {
  flex: none; display: inline-grid; place-items: center; width: 46px; height: 46px;
  border-radius: var(--radius); background: var(--color-surface-2); color: var(--color-text-muted);
}
.scard-ic--primary { background: var(--color-primary-soft); color: var(--color-primary); }
.scard-ic--accent  { background: var(--color-accent-soft);  color: var(--color-accent-hover); }
.scard-ic--success { background: color-mix(in srgb, var(--color-success) 14%, transparent); color: var(--color-success); }
.scard-ic--warn    { background: color-mix(in srgb, var(--color-warn) 14%, transparent); color: var(--color-warn); }
.scard-ic--neutral { background: var(--color-surface-2); color: var(--color-text-muted); }
.scard-info { min-width: 0; }
.scard-title { margin: 2px 0 var(--sp-1); font-size: 1.14rem; }
.scard-sub { margin: 0; color: var(--color-text-muted); font-size: .9rem; }
.scard-body { padding: var(--sp-4) var(--sp-5) var(--sp-5); }
.scard-foot {
  display: flex; justify-content: flex-end; gap: var(--sp-3);
  padding: var(--sp-4) var(--sp-5); border-top: 1px solid var(--color-border);
  background: var(--color-surface-2);
}

/* Social input icons */
.social-ic { display: inline-block; vertical-align: -3px; margin-right: 2px; color: var(--color-text-muted); }

/* Theme preset picker with live mockups */
.theme-grid { display: grid; gap: var(--sp-4); grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.theme-option {
  display: block; padding: var(--sp-3); cursor: pointer;
  border: 2px solid var(--color-border); border-radius: var(--radius-lg);
  background: var(--color-surface); transition: border-color var(--transition), box-shadow var(--transition), transform var(--transition);
}
.theme-option:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.theme-option.is-selected { border-color: var(--color-primary); box-shadow: 0 0 0 3px var(--color-ring); }
.theme-mock { display: flex; gap: 6px; height: 130px; border-radius: var(--radius); padding: 8px; overflow: hidden; }
.tm-sidebar { flex: none; width: 36px; border-radius: 6px; padding: 6px; display: flex; flex-direction: column; gap: 5px; }
.tm-dot { width: 14px; height: 14px; border-radius: 50%; }
.tm-line { height: 5px; border-radius: 99px; }
.tm-main { flex: 1; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.tm-top { border-radius: 6px; padding: 6px; display: flex; align-items: center; gap: 6px; }
.tm-topline { flex: 1; height: 8px; border-radius: 99px; background: currentColor; opacity: .22; }
.tm-topbtn { flex: none; width: 26px; height: 10px; border-radius: 99px; }
.tm-card { flex: 1; border-radius: 6px; padding: 8px; display: flex; flex-direction: column; gap: 6px; }
.tm-bar { width: 55%; height: 8px; border-radius: 99px; }
.tm-rows { display: flex; flex-direction: column; gap: 4px; }
.tm-rows span { height: 5px; border-radius: 99px; }
.tm-cta { margin-top: auto; height: 14px; border-radius: 99px; opacity: .9; }
.tm-meta { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); margin-top: var(--sp-2); padding: 0 var(--sp-1); }
.tm-name { font-weight: 700; font-size: .92rem; }
.tm-check {
  display: inline-grid; place-items: center; width: 22px; height: 22px; border-radius: 50%;
  border: 2px solid var(--color-border); color: var(--color-primary); opacity: 0; transform: scale(.5);
  transition: opacity var(--transition), transform var(--transition);
}
.theme-option.is-selected .tm-check { opacity: 1; transform: scale(1); border-color: currentColor; }

/* Toggle switches */
.switch { position: relative; display: inline-block; width: 44px; height: 24px; flex: none; }
.switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; z-index: 1; }
.switch .track { position: absolute; inset: 0; background: var(--color-surface-3); border: 1px solid var(--color-border-strong); border-radius: 99px; transition: background var(--transition), border-color var(--transition); }
.switch .track::after { content: ""; position: absolute; top: 2px; left: 2px; width: 18px; height: 18px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.32); transition: transform var(--transition); }
.switch input:checked + .track { background: var(--color-success); border-color: var(--color-success); }
.switch input:checked + .track::after { transform: translateX(20px); }
.switch--sm { width: 38px; height: 21px; }
.switch--sm .track::after { width: 15px; height: 15px; top: 2px; left: 2px; }
.switch--sm input:checked + .track::after { transform: translateX(17px); }
.switch-row { display: inline-flex; align-items: center; gap: var(--sp-2); cursor: pointer; font-weight: 600; font-size: .9rem; color: var(--color-text); }
.switch-row.static { cursor: default; }

/* Inputs with affix labels */
.input-affix { display: flex; align-items: stretch; }
.input-affix .affix {
  flex: none; display: inline-flex; align-items: center; padding: 0 var(--sp-3);
  background: var(--color-surface-2); border: 1px solid var(--color-border-strong); border-right: 0;
  border-radius: var(--radius) 0 0 var(--radius); font-size: .8rem; font-weight: 700; color: var(--color-text-muted);
}
.input-affix input { border-radius: 0 var(--radius) var(--radius) 0; }

/* Phone number input with country-code picker */
.phone-picker { display: flex; align-items: stretch; width: 100%; min-width: 0; }
.phone-picker-code { position: relative; flex: none; display: flex; align-items: stretch; }
.phone-picker-flag {
  display: flex; align-items: center; gap: .35rem; min-height: 44px; box-sizing: border-box;
  padding: 0 .55rem 0 .7rem; white-space: nowrap;
  border: 1px solid var(--color-border-strong); border-right: 0;
  border-radius: var(--radius) 0 0 var(--radius);
  background: var(--color-surface-2);
  font-weight: 700; font-size: .85rem; color: var(--color-text);
}
.phone-picker-flag .icon { color: var(--color-text-subtle); flex: none; }
/* Make the country names readable in the opened dropdown even though the
   overlay select itself is transparent. */
.phone-picker-select option { color: var(--color-text); background: var(--color-surface); }
/* Invisible native select driving the real popup/behaviour, over the chip.
   Not `opacity:0` — some browsers would also render the opened dropdown list
   transparently. It is hidden by transparent text/background instead so the
   styled chip underneath shows through. */
.phone-picker-select {
  position: absolute; inset: 0; width: 100%; height: 100%; z-index: 2;
  margin: 0; padding: 0; min-height: 0; border: none; background: transparent; appearance: none; -webkit-appearance: none;
  color: transparent; caret-color: transparent; outline: none; cursor: pointer;
}
.phone-picker .phone-picker-number {
  flex: 1 1 auto; width: auto; min-width: 0; min-height: 44px;
  border-radius: 0 var(--radius) var(--radius) 0;
  border-left-width: 0; border-left-style: none;
}
.phone-picker:focus-within .phone-picker-flag,
.phone-picker:focus-within .phone-picker-number {
  border-color: var(--color-primary); box-shadow: 0 0 0 4px var(--color-ring);
}
.phone-picker:focus-within .phone-picker-flag { border-right: 0; }
.phone-picker:focus-within .phone-picker-number { border-left-width: 0; }
/* Telephone fields (dialing-code selector + number input): no focus ring.
   Overrides the generic input:focus glow and the code-picker focus ring so the
   chip keeps its normal border and the fields show no outline/shadow on focus. */
.phone-picker .phone-picker-select:focus,
.phone-picker .phone-picker-number:focus {
  outline: none; box-shadow: none;
}
.phone-picker:focus-within .phone-picker-flag,
.phone-picker:focus-within .phone-picker-number {
  border-color: var(--color-border-strong); box-shadow: none;
}
.uppercase { text-transform: uppercase; }

/* Product live preview */
.preview-grid { display: grid; gap: var(--sp-4); grid-template-columns: 1fr 1fr; }
.preview-tile {
  border: 1px solid var(--color-border); background: var(--color-surface-2);
  border-radius: var(--radius-lg); padding: var(--sp-4); display: flex; flex-direction: column; gap: var(--sp-1);
}
.preview-tile--accent { background: var(--color-accent-soft); border-color: color-mix(in srgb, var(--color-accent) 30%, transparent); }
.preview-tile-label { font-size: .76rem; font-weight: 800; text-transform: uppercase; letter-spacing: .06em; color: var(--color-text-muted); }
.preview-tile-value { font-family: var(--font-display); font-size: 1.8rem; font-weight: 700; line-height: 1.1; }
.preview-tile-unit { font-size: .82rem; color: var(--color-text-muted); }

/* Currency list */
.currency-list { display: grid; gap: var(--sp-3); margin: 0; padding: 0; }
.currency-card {
  position: relative; display: flex; align-items: center; gap: var(--sp-2);
  border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  background: var(--color-surface); padding: var(--sp-3) var(--sp-4);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.currency-card:hover { border-color: var(--color-border-strong); box-shadow: var(--shadow-sm); }
.currency-edit { flex: 1; min-width: 0; display: flex; align-items: center; gap: var(--sp-4); flex-wrap: wrap; }
.currency-avatar {
  flex: none; display: inline-grid; place-items: center;
  min-width: 54px; height: 54px; padding: 0 10px; border-radius: 14px;
  background: linear-gradient(135deg, color-mix(in srgb, var(--acc) 14%, var(--color-surface-2)), var(--color-surface-2));
  color: var(--acc); border: 1px solid var(--color-border);
  font-weight: 800; font-size: .78rem; letter-spacing: .05em; text-transform: uppercase;
}
.currency-fields { flex: 1; min-width: 220px; display: flex; flex-direction: column; gap: var(--sp-2); }
.currency-primary { display: flex; align-items: center; gap: var(--sp-2); }
.currency-name-input { flex: 1; min-width: 0; font-weight: 700; }
.currency-code { font-size: .74rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; color: var(--color-text-muted); padding: 2px 8px; border-radius: 99px; background: var(--color-surface-2); white-space: nowrap; }
.currency-secondary { display: flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; }
.currency-key { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-muted); margin: 0; }
.currency-sm { width: 96px; padding: .45rem .6rem; font-size: .9rem; }
.currency-actions { display: flex; align-items: center; gap: var(--sp-2); margin-left: auto; }
.currency-delete, .doc-delete {
  display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px;
  background: color-mix(in srgb, var(--color-danger) 10%, transparent);
  color: var(--color-danger); border: 1px solid transparent;
  transition: background var(--transition), color var(--transition), border-color var(--transition);
}
.currency-delete:hover, .doc-delete:hover { background: var(--color-danger); color: #fff; }

/* Document checklist */
.doc-list { display: grid; gap: var(--sp-4); }
.doc-card { border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--sp-4); background: var(--color-surface); }
.doc-top { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); margin-bottom: var(--sp-3); }
.doc-index { flex: none; display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: var(--color-primary-soft); color: var(--color-primary); }
.doc-req { margin-bottom: var(--sp-3); }
.doc-foot { display: flex; justify-content: flex-end; margin-top: var(--sp-3); padding-top: var(--sp-3); border-top: 1px dashed var(--color-border); }

/* Empty states */
.scard-empty {
  display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-5);
  border: 1px dashed var(--color-border-strong); border-radius: var(--radius-lg);
  color: var(--color-text-muted); background: var(--color-surface-2);
}
.scard-empty p { margin: 0; }
.scard-empty .icon { color: var(--color-text-subtle); }

/* Settings responsive */
@media (min-width: 1024px) {
  .settings-grid { grid-template-columns: 240px minmax(0, 1fr); }
  .settings-nav {
    position: sticky; top: calc(var(--topbar-h) + var(--sp-4));
    flex-direction: column; align-items: stretch; padding: var(--sp-2); overflow-x: visible;
  }
  .snav { width: 100%; padding: var(--sp-2) var(--sp-3); }
  .snav-label { flex: 1; text-align: left; }
  .snav-count { margin-left: 0; }
  .snav-chev { margin-left: 6px; }
}
@media (max-width: 560px) {
  .preview-grid { grid-template-columns: 1fr; }
  .currency-card { padding: var(--sp-3); }
  .currency-edit { align-items: stretch; }
  .currency-actions { margin-left: 0; justify-content: flex-end; }
  .scard-head { gap: var(--sp-3); }
  .scard-body { padding: var(--sp-4); }
  .scard-foot { padding: var(--sp-3) var(--sp-4); }
}

/* ---- Settings: readonly currency list + brand asset uploads ---- */
.currency-card--static.current, .currency-card--static { padding: var(--sp-4); }
.currency-list--static .currency-actions { margin-left: auto; }
.currency-name-static { font-weight: 700; font-size: 1rem; line-height: 1.2; }
.currency-chip { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: .85rem; color: var(--color-text); background: var(--color-surface-2); border-radius: 99px; padding: 3px 10px; white-space: nowrap; }
.currency-chip .currency-key { color: var(--color-text-subtle); }
.status-pill { display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .03em; text-transform: uppercase; padding: 3px 10px; border-radius: 99px; }
.status-pill.is-on { color: #0d7a3d; background: color-mix(in srgb, var(--color-success) 18%, transparent); }
.status-pill.is-off { color: var(--color-text-muted); background: var(--color-surface-3); }

.checkbox-inline { display: inline-flex; align-items: center; gap: 6px; font-size: .85rem; color: var(--color-text-muted); cursor: pointer; }
/* ---- Settings: brand marks upload fields (minimal, polished) ---- */
.brand-marks { margin-top: var(--sp-5); padding-top: var(--sp-5); border-top: 1px solid var(--color-border); }
.brand-marks-title { display: flex; align-items: center; gap: var(--sp-2); margin: 0 0 var(--sp-3); font-size: .82rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--color-text-muted); }
.brand-marks-title .icon { color: var(--color-primary); }
.upload-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); }
.upload-field--wide { grid-column: 1 / -1; }
.upload-field { position: relative; min-width: 0; }
.upload-field .upload-input { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); border: 0; white-space: nowrap; }
.upload-box { display: flex; align-items: center; gap: var(--sp-3); padding: var(--sp-3); border: 1px solid var(--color-border); border-radius: 14px; background: var(--color-surface-2); cursor: pointer; transition: border-color .15s ease, background .15s ease, box-shadow .15s ease; }
.upload-box:hover { border-color: var(--color-border-strong); background: var(--color-surface); }
.upload-field.has-selection .upload-box { border-color: color-mix(in srgb, var(--color-primary) 55%, var(--color-border)); }
.upload-thumb { flex: none; width: 46px; height: 46px; border-radius: 10px; display: grid; place-items: center; overflow: hidden; background: var(--color-surface); border: 1px solid var(--color-border); color: var(--color-text-subtle); }
.upload-placeholder { display: grid; place-items: center; color: var(--color-text-subtle); }
.upload-thumb-img { width: 100%; height: 100%; object-fit: contain; padding: 4px; background: #fff; }
.upload-thumb-img--sm { padding: 5px; }
.upload-copy { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.upload-title { font-weight: 700; font-size: .95rem; color: var(--color-text); }
.upload-sub { font-size: .8rem; line-height: 1.35; color: var(--color-text-muted); }
.upload-choose { flex: none; display: inline-flex; align-items: center; gap: 6px; padding: .42rem .8rem; border-radius: 9px; border: 1px solid var(--color-border-strong); background: var(--color-surface); color: var(--color-text); font-size: .82rem; font-weight: 600; max-width: 190px; white-space: nowrap; }
.upload-field.has-selection .upload-choose { color: var(--color-primary); border-color: color-mix(in srgb, var(--color-primary) 45%, var(--color-border)); }
.upload-choose-text { overflow: hidden; text-overflow: ellipsis; }
.upload-current { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-2); margin-top: var(--sp-2); padding: 0 var(--sp-1); }
.upload-filename { font-size: .78rem; color: var(--color-text-subtle); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.upload-remove { flex: none; }

@media (max-width: 720px) {
  .upload-grid { grid-template-columns: 1fr; }
  .upload-field--wide { grid-column: auto; }
}

.static-check .checkbox-inline { margin-top: var(--sp-3); font-weight: 500; color: var(--color-text); }


/* ============================================================
   Client portal redesign — loans list, loan detail & dashboard
   loan cards (consistent with the applications redesign above)
   ============================================================ */

/* Loans summary stat strip. Columns are sized to fit the widest real content
   ("Total outstanding" + "$ 332,731.58" needs ~270px once icon, gap and padding
   are counted), so the strip drops to 2 or 1 column instead of squeezing a
   figure into a clipped box the way a hard 640px 3-up breakpoint did. The
   `min(…, 100%)` guard stops the track from overflowing a 320px viewport. */
.ln-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(280px, 100%), 1fr)); gap: var(--sp-4); margin-bottom: var(--sp-5); }
.ln-stat {
  --st-c: var(--color-primary);
  display: flex; align-items: center; gap: var(--sp-4);
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-lg); padding: var(--sp-4) var(--sp-5); box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
}
.ln-stat::after { content: ""; position: absolute; top: 0; bottom: 0; left: 0; width: 3px; background: var(--st-c); }
.ln-stat-ic { display: inline-grid; place-items: center; width: 46px; height: 46px; flex: none; border-radius: var(--radius); background: color-mix(in srgb, var(--st-c) 13%, transparent); color: var(--st-c); }
/* Let the text block shrink rather than push past the card's overflow:hidden. */
.ln-stat > div { min-width: 0; }
.ln-stat-label { display: block; font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; font-weight: 700; color: var(--color-text-subtle); }
.ln-stat-value { display: block; font-family: var(--font-display); font-size: 1.35rem; font-weight: 800; line-height: 1.1; font-variant-numeric: tabular-nums; }
.ln-stat .rc-acc { --st-c: var(--color-accent-hover); }
.ln-stat .rc-warn { --st-c: var(--color-warn); }
.ln-stat .rc-succ { --st-c: var(--color-success); }

/* Loans toolbar (filter chips) */
.ln-toolbar { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; margin-bottom: var(--sp-4); }

/* Loan card grid (list + dashboard) */
.ln-grid { display: grid; grid-template-columns: 1fr; gap: var(--sp-5); }
@media (min-width: 640px) { .ln-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1120px) { .ln-grid { grid-template-columns: repeat(3, 1fr); } }

.ln-card {
  --ln-c: var(--color-primary);
  display: flex; flex-direction: column; gap: var(--sp-4);
  text-decoration: none; color: inherit;
  background: var(--color-surface); border: 1px solid var(--color-border);
  border-radius: var(--radius-lg); padding: var(--sp-5); box-shadow: var(--shadow-sm);
  position: relative; overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.ln-card::before { content: ""; position: absolute; top: -90px; right: -90px; width: 190px; height: 190px; border-radius: 50%; background: radial-gradient(circle, color-mix(in srgb, var(--ln-c) 12%, transparent), transparent 70%); pointer-events: none; }
.ln-card::after { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--ln-c), color-mix(in srgb, var(--ln-c) 20%, transparent)); opacity: 0; transition: opacity var(--transition); }
.ln-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: color-mix(in srgb, var(--ln-c) 32%, var(--color-border)); }
.ln-card:hover::after { opacity: 1; }
.ln-card.is-settled { --ln-c: var(--color-success); }
.ln-card.is-hidden { display: none; }

/* The row carries an icon + status badge + product badge. On the narrowest
   handsets (<=~335px) all three cannot fit, and `.ln-card{overflow:hidden}`
   silently CUT the product badge in half rather than scrolling. Wrapping the
   row keeps every badge whole; on wider cards nothing wraps so the layout is
   unchanged. */
.ln-card-top { display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-3); row-gap: var(--sp-2); flex-wrap: wrap; position: relative; }
.ln-card-ic { display: inline-grid; place-items: center; width: 46px; height: 46px; border-radius: var(--radius); background: color-mix(in srgb, var(--ln-c) 13%, transparent); color: var(--ln-c); position: relative; }
.ln-card-ref { display: inline-flex; align-items: center; gap: var(--sp-1); font-family: var(--font-mono); font-size: .76rem; font-weight: 600; letter-spacing: .02em; color: var(--color-text-subtle); position: relative; }
.ln-card-ref .icon { color: var(--ln-c); }
.ln-card-amount { display: flex; flex-direction: column; gap: 2px; position: relative; }
.ln-card-flag { font-size: .74rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-subtle); }
.ln-card-bal { font-family: var(--font-display); font-size: 1.5rem; font-weight: 800; line-height: 1.1; font-variant-numeric: tabular-nums; }

/* Repayment progress gauge */
.ln-gauge { display: flex; flex-direction: column; gap: 6px; position: relative; }
.ln-gauge.lg { gap: 8px; }
.ln-gauge-head { display: flex; justify-content: space-between; align-items: baseline; font-size: .74rem; color: var(--color-text-muted); font-weight: 600; }
.ln-gauge-head strong { color: var(--color-text); font-weight: 700; font-variant-numeric: tabular-nums; }
.ln-gauge-track { height: 8px; border-radius: var(--radius-full); background: var(--color-surface-3); overflow: hidden; }
.ln-gauge-fill { display: block; height: 100%; border-radius: var(--radius-full); background: linear-gradient(90deg, var(--color-primary), color-mix(in srgb, var(--color-primary) 45%, #fff)); transition: width .4s ease; }
.ln-gauge-fill.is-done { background: linear-gradient(90deg, var(--color-success), color-mix(in srgb, var(--color-success) 45%, #fff)); }
.ln-gauge-sub { font-size: .76rem; color: var(--color-text-subtle); font-weight: 600; }
.ln-gauge-sub b { color: var(--color-text); font-variant-numeric: tabular-nums; }

/* Card facts */
.ln-facts { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-3); padding: var(--sp-3) 0; border-top: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); position: relative; }
.ln-fact { min-width: 0; }
.ln-fact span { display: block; font-size: .72rem; color: var(--color-text-subtle); text-transform: uppercase; letter-spacing: .03em; margin-bottom: 2px; font-weight: 600; }
.ln-fact strong { display: block; font-size: .92rem; font-weight: 700; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; font-variant-numeric: tabular-nums; }
/* A formatted amount needs ~99px. On the narrowest cards two columns only get
   ~88px each, where the ellipsis eats the leading digits ("$ 152,44…") — so
   stack the facts and give every figure the full card width instead. */
@media (max-width: 359px) {
  .ln-facts { grid-template-columns: minmax(0, 1fr); }
}

/* Card footer row */
.ln-card-foot { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; position: relative; }
/* "Next · <amount> <date>". The flex children used to SHRINK on narrow cards
   and then wrap internally, orphaning a currency symbol and splitting the date
   across two lines. Keep every value on one line and let the row break between
   whole values instead (icon + "Next" + amount / date). */
.ln-next { display: inline-flex; align-items: center; gap: 6px; row-gap: 4px; flex-wrap: wrap; font-size: .8rem; font-weight: 600; color: var(--color-text-muted); }
.ln-next .icon { flex: none; color: var(--color-success); }
.ln-next.is-overdue { color: var(--color-danger); }
.ln-next.is-overdue .icon { color: var(--color-danger); }
.ln-next b { flex: none; white-space: nowrap; font-variant-numeric: tabular-nums; color: var(--color-text); }
.ln-next-date { flex: none; white-space: nowrap; padding: .12rem .5rem; border-radius: var(--radius-full); background: var(--color-surface-2); border: 1px solid var(--color-border); font-size: .72rem; font-weight: 600; }
.ln-view { display: inline-flex; align-items: center; gap: 5px; font-size: .82rem; font-weight: 700; color: var(--ln-c); white-space: nowrap; }
.ln-view .icon { transition: transform var(--transition); }
.ln-card:hover .ln-view .icon { transform: translateX(3px); }

/* ============================================================
   Loan detail — hero overview
   ============================================================ */
.ln-hero { position: relative; overflow: hidden; display: grid; grid-template-columns: 1fr; gap: var(--sp-5); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-xl); padding: clamp(var(--sp-5), 4vw, var(--sp-7)); box-shadow: var(--shadow-sm); }
@media (min-width: 900px) { .ln-hero { grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); } }
.ln-hero::before { content: ""; position: absolute; top: -140px; right: -120px; width: 340px; height: 340px; border-radius: 50%; background: radial-gradient(circle, color-mix(in srgb, var(--color-primary) 14%, transparent), transparent 70%); pointer-events: none; }
.ln-hero.is-settled::before { background: radial-gradient(circle, color-mix(in srgb, var(--color-success) 14%, transparent), transparent 70%); }

.ln-hero-lead { position: relative; display: flex; flex-direction: column; align-items: flex-start; gap: var(--sp-4); }
.ln-hero-eyebrow { display: inline-flex; align-items: center; gap: var(--sp-2); font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; color: var(--color-primary); }
.ln-hero-eyebrow .icon { color: var(--color-primary); }
.ln-hero .app-status { align-self: flex-start; }

.ln-hero-bal { display: flex; flex-direction: column; gap: 2px; }
.ln-hero-flag { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .05em; color: var(--color-text-muted); }
.ln-hero-amount { font-family: var(--font-display); font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; line-height: 1; letter-spacing: -.01em; font-variant-numeric: tabular-nums; }

.ln-hero .ln-gauge { width: 100%; max-width: 460px; }

.ln-hero-due { display: flex; align-items: center; gap: var(--sp-3); width: 100%; max-width: 460px; padding: var(--sp-4); border: 1px solid color-mix(in srgb, var(--color-primary) 25%, var(--color-border)); border-radius: var(--radius-lg); background: color-mix(in srgb, var(--color-primary) 6%, var(--color-surface)); }
.ln-hero-due > .icon { flex: none; color: var(--color-primary); }
.ln-hero-due span { display: block; font-size: .74rem; text-transform: uppercase; letter-spacing: .05em; font-weight: 700; color: var(--color-text-muted); }
.ln-hero-due strong { display: block; font-family: var(--font-display); font-size: 1.35rem; font-weight: 800; font-variant-numeric: tabular-nums; line-height: 1.1; }
.ln-hero-due small { display: block; margin-top: 2px; font-size: .78rem; color: var(--color-text-subtle); }
.ln-hero-due.is-overdue { border-color: color-mix(in srgb, var(--color-danger) 35%, var(--color-border)); background: color-mix(in srgb, var(--color-danger) 6%, var(--color-surface)); }
.ln-hero-due.is-overdue > .icon { color: var(--color-danger); }
.ln-hero-due.is-overdue strong { color: var(--color-danger); }

.ln-hero-panel { position: relative; display: flex; flex-direction: column; gap: var(--sp-4); padding: clamp(var(--sp-4), 3vw, var(--sp-5)); background: var(--color-surface-2); border: 1px solid var(--color-border); border-radius: var(--radius-lg); }
.ln-hero-title { display: inline-flex; align-items: center; gap: var(--sp-2); font-weight: 700; font-size: .95rem; }
.ln-hero-title .icon { color: var(--color-primary); }
/* KPI cells must stay wide enough for "$ 88,200.00" to keep its symbol with its
   digits — a fixed 2-up grid squeezes them to ~77px at 900-1150px (where the
   hero panel narrows) and at ≤380px. auto-fit splits into two columns only
   once each cell can hold the figure, and otherwise stacks full-width. */
.ln-kpis { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: var(--sp-3); }
.ln-kpi { display: flex; flex-direction: column; gap: 2px; padding: var(--sp-3); background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius); }
.ln-kpi span { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-subtle); }
.ln-kpi strong { font-family: var(--font-display); font-size: 1.05rem; font-weight: 800; font-variant-numeric: tabular-nums; }
.ln-hero-note { display: flex; align-items: flex-start; gap: var(--sp-2); padding-top: var(--sp-3); border-top: 1px dashed var(--color-border); font-size: .82rem; line-height: 1.5; color: var(--color-text-muted); }
.ln-hero-note .icon { flex: none; margin-top: 1px; color: var(--color-primary); }
.ln-hero.is-settled .ln-hero-note .icon { color: var(--color-success); }

/* Schedule table */
.ln-schedule tbody tr.is-current { background: color-mix(in srgb, var(--color-primary) 5%, transparent); }
.ln-schedule tbody tr.is-current td:first-child { box-shadow: inset 3px 0 0 var(--color-primary); }
.ln-inst-no { display: inline-grid; place-items: center; min-width: 28px; height: 28px; padding: 0 6px; border-radius: var(--radius-full); background: var(--color-surface-2); border: 1px solid var(--color-border-strong); color: var(--color-text-muted); font-size: .76rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.ln-inst-no.is-done { background: color-mix(in srgb, var(--color-success) 15%, transparent); border-color: transparent; color: var(--color-success); }
/* The "due on" date is an atomic value too: wherever the money columns keep
   the schedule table wide, `.table-wrap` scrolls horizontally rather than
   splitting a date (e.g. "Aug 16, 2026") across three lines. */
.ln-schedule td:nth-child(2) { white-space: nowrap; }

/* Schedule pagination controls */
.ln-pager { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); flex-wrap: wrap; padding-top: var(--sp-4); margin-top: var(--sp-4); border-top: 1px solid var(--color-border); }
.ln-pager-info { font-size: .84rem; color: var(--color-text-muted); font-weight: 600; font-variant-numeric: tabular-nums; }
.ln-pager-btns { display: inline-flex; align-items: center; gap: var(--sp-3); }
.ln-pager-page { font-size: .82rem; font-weight: 700; color: var(--color-text-muted); font-variant-numeric: tabular-nums; }
.ln-pager-page b { color: var(--color-text); }
.ln-pager .btn { white-space: nowrap; }
/* ============================================================
   Cookie consent banner (session-scoped)
   ============================================================ */
.cookie-banner {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 100;
  background: var(--color-surface);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 -8px 30px rgba(15, 31, 61, 0.12);
  padding: var(--sp-4) 0 var(--sp-5);
  animation: cookie-rise 0.25s ease-out;
}
.cookie-banner[hidden] { display: none; }
@keyframes cookie-rise {
  from { transform: translateY(100%); opacity: 0; }
  to { transform: none; opacity: 1; }
}
.cookie-banner-inner { display: flex; flex-direction: column; gap: var(--sp-4); }
.cookie-banner-main { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); flex-wrap: wrap; }
.cookie-banner-copy { display: flex; flex-direction: column; gap: 2px; max-width: 640px; }
.cookie-banner-title { font-size: 0.98rem; font-weight: 700; }
.cookie-banner-body { margin: 0; font-size: 0.86rem; line-height: 1.5; color: var(--color-text-muted); }
.cookie-banner-actions { display: inline-flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap; }

/* Preferences panel inside the banner */
.cookie-settings {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface-2);
  padding: var(--sp-4);
}
.cookie-settings[hidden] { display: none; }
.cookie-settings-head { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); margin-bottom: var(--sp-3); }
.cookie-settings-head strong { font-size: 0.95rem; }
.cookie-category-list { display: grid; gap: var(--sp-2); }
.cookie-category {
  display: flex; align-items: flex-start; justify-content: space-between; gap: var(--sp-3);
  padding: var(--sp-3); border: 1px solid var(--color-border); border-radius: var(--radius);
  background: var(--color-surface);
}
.cookie-category-copy { display: flex; flex-direction: column; gap: 2px; }
.cookie-category-copy strong { font-size: 0.86rem; }
.cookie-category-copy small { font-size: 0.76rem; line-height: 1.4; color: var(--color-text-muted); }
.cookie-settings-actions { display: flex; justify-content: flex-end; margin-top: var(--sp-3); }

@media (max-width: 640px) {
  .cookie-banner-actions { width: 100%; }
  .cookie-banner-actions .btn { flex: 1 1 auto; }
}

/* ============================================================
   WhatsApp floating button (public marketing site)
   ============================================================ */
.wa-float {
  position: fixed; right: var(--sp-4); bottom: var(--sp-4); z-index: 110;
  display: inline-grid; place-items: center; width: 58px; height: 58px;
  border-radius: var(--radius-full); background: #25d366; color: #fff;
  box-shadow: 0 10px 24px rgba(37, 211, 102, .4); transition: transform var(--transition), background var(--transition);
}
.wa-float:hover { background: #1ebe5d; color: #fff; transform: translateY(-3px); }
.wa-float:focus-visible { outline: 3px solid var(--color-ring, rgba(11,95,255,.32)); outline-offset: 2px; }
.wa-float .icon { display: block; }

@media (min-width: 640px) {
  .wa-float { width: 62px; height: 62px; }
}

/* ============================================================
 * Loan products: personal & business
 * Shared UI for the product toggle (calculator + application wizard),
 * the product badges shown on every loan/client row, and the
 * product-scoped admin list filters. Theming is inherited from the
 * CSS custom properties declared per theme preset.
 * ============================================================ */

/* Product badge — a quieter, outline treatment so it never competes with the
   status badge next to it on the same row. */
.badge--product { background: transparent; border: 1px solid var(--color-border-strong); color: var(--color-text-muted); font-weight: 600; }
.badge--product-personal { border-color: color-mix(in srgb, var(--color-primary) 45%, transparent); color: var(--color-primary); }
.badge--product-business { border-color: color-mix(in srgb, var(--color-accent) 55%, transparent); color: var(--color-accent-hover); }
.app-user-badges { display: flex; gap: .35rem; margin-top: .3rem; }

/* Product filter pills (admin lists). */
.apps-filterbar--product { border-top: 1px dashed var(--color-border); }
.pill.is-personal { --pill-c: var(--color-primary); }
.pill.is-business { --pill-c: var(--color-accent); }

/* Segmented product toggle (homepage hero widget, calculator + apply wizard
   step 1). The wrapper pins a start-aligned label so the block reads the same
   on the centred hero as it does on the calculator page. */
.calc-type-field { text-align: start; }
.type-toggle { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .6rem; }
.type-toggle-opt { position: relative; display: block; cursor: pointer; }
.type-toggle-opt input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.type-toggle-inner {
  display: flex; align-items: center; gap: .6rem;
  padding: .7rem .85rem; height: 100%;
  border: 1.5px solid var(--color-border-strong); border-radius: var(--radius-md, 10px);
  background: var(--color-surface); transition: border-color .15s, background .15s, box-shadow .15s;
}
.type-toggle-ic {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; flex: 0 0 34px; border-radius: var(--radius-full);
  background: var(--color-surface-2); color: var(--color-text-muted);
}
.type-toggle-txt { display: flex; flex-direction: column; line-height: 1.25; min-width: 0; }
.type-toggle-txt strong { font-size: .92rem; }
.type-toggle-txt small { color: var(--color-text-muted); font-size: .74rem; }
.type-toggle-opt:hover .type-toggle-inner { border-color: var(--color-primary); }
.type-toggle-opt input:checked + .type-toggle-inner {
  border-color: var(--color-primary); background: var(--color-primary-soft);
  box-shadow: 0 0 0 3px var(--color-ring);
}
.type-toggle-opt input:checked + .type-toggle-inner .type-toggle-ic { background: var(--color-primary); color: var(--color-primary-contrast); }
.type-toggle-opt input:focus-visible + .type-toggle-inner { outline: 2px solid var(--color-ring); outline-offset: 2px; }
/* Very narrow screens: side-by-side product cards squeeze the copy into a
   sliver, so stack them full-width below ~380px. */
@media (max-width: 380px) {
  .type-toggle { grid-template-columns: minmax(0, 1fr); }
}

/* Product-specific wizard groups (<fieldset disabled> when inactive). */
.apply-fieldset { border: 0; margin: 0; padding: 0; min-inline-size: 0; }
.apply-fieldset[hidden] { display: none; }

/* Admin product preview: one block per product. */
.preview-block + .preview-block { margin-top: 1rem; padding-top: 1rem; border-top: 1px dashed var(--color-border); }
.preview-block-head { display: flex; align-items: center; gap: .4rem; margin-bottom: .5rem; font-weight: 700; font-size: .85rem; color: var(--color-text-muted); text-transform: uppercase; letter-spacing: .04em; }

/* Portal: profile lock note + business summary card. */
.na-profile-lock { display: flex; align-items: center; gap: .5rem; margin-top: .5rem; font-size: .84rem; color: var(--color-text-muted); }
.na-business-summary .na-biz-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: .75rem; margin: .5rem 0 .75rem; }
.na-biz-grid > div { display: flex; flex-direction: column; gap: .15rem; padding: .6rem .7rem; border: 1px solid var(--color-border); border-radius: var(--radius-md, 10px); background: var(--color-surface-2); }
.na-biz-grid span { font-size: .72rem; text-transform: uppercase; letter-spacing: .04em; color: var(--color-text-muted); }
.na-biz-grid strong { font-size: .9rem; }

/* Card accent for the business profile card (admin + portal). */
.cd-business .cd-card-ic { --cc: var(--color-accent-hover); }

/* Disbursement account: the change-request disclosure on the portal + the
   admin review block that decides it. */
.payout-change { margin-top: var(--sp-3); }
.payout-change > summary { list-style: none; cursor: pointer; width: fit-content; }
.payout-change > summary::-webkit-details-marker { display: none; }
.payout-change[open] > summary { margin-bottom: var(--sp-2); }
.payout-change-request { margin-top: var(--sp-4); padding: var(--sp-4); border: 1px solid var(--color-border); border-left: 3px solid var(--color-warn); border-radius: var(--radius); background: var(--color-surface-2); }
.payout-change-request h4 { margin: 0 0 .35rem; font-size: .95rem; display: flex; align-items: center; gap: .4rem; }

/* Insurance security gate: the admin coverage indicators + the collapsible
   reject/waive forms (same disclosure pattern as the payout change request). */
.ins-checks { margin-top: var(--sp-3); display: flex; flex-direction: column; gap: .35rem; }
.ins-check-row { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-3); padding: .45rem .6rem; border: 1px solid var(--color-border); border-radius: var(--radius-md, 10px); background: var(--color-surface-2); font-size: .86rem; }
.ins-check { display: inline-flex; align-items: center; gap: .3rem; font-weight: 600; font-size: .82rem; white-space: nowrap; }
.ins-check.is-ok { color: var(--color-success, var(--color-accent)); }
.ins-check.is-bad { color: var(--color-danger); }
.ins-details { margin-top: var(--sp-2); }
.ins-details > summary { list-style: none; cursor: pointer; width: fit-content; }
.ins-details > summary::-webkit-details-marker { display: none; }
.ins-details[open] > summary { margin-bottom: var(--sp-2); }