/* ===========================================================================
   Fintology app design system  (port of design-app.md / layout-app.md)

   Single source of truth for /app, onboarding and auth UI. Templates link this
   and use semantic classes + tokens only - NEVER hardcode colors. Theme is
   token-driven: :root = light, [data-theme="dark"] = dark (the default, set
   pre-paint by an inline snippet). White-label tenants override --primary
   inline from their brand color; everything else derives from tokens.
   =========================================================================== */

/* ---- fonts (self-hosted) ------------------------------------------------- */
@font-face { font-family: "Inter"; font-style: normal; font-weight: 400;
  font-display: swap; src: url("/static/fonts/inter-400.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 500;
  font-display: swap; src: url("/static/fonts/inter-500.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 600;
  font-display: swap; src: url("/static/fonts/inter-600.woff2") format("woff2"); }
@font-face { font-family: "JetBrains Mono"; font-style: normal; font-weight: 500;
  font-display: swap; src: url("/static/fonts/jetbrains-mono-500.woff2") format("woff2"); }

/* ---- tokens -------------------------------------------------------------- */
:root {
  --bg: #ffffff;
  --fg: #171c24;
  --card: #ffffff;
  --card-fg: #171c24;
  --muted: #f0f1f3;
  --muted-fg: #5f6672;
  --secondary: #f2f3f5;
  --secondary-fg: #2a2f37;
  --border: #dcdfe4;
  --input-border: #e0e3e8;
  --hover: #eef0f2;
  --primary: #5EE695;          /* mint accent (marketing brand — www.fintology.ai) */
  --primary-fg: #07140c;       /* dark text on mint */
  /* soft + ring derive from --primary so a white-label tenant's brand color
     (injected as --primary in the base templates) re-skins these too */
  --primary-soft: color-mix(in srgb, var(--primary) 14%, transparent);
  --ring: color-mix(in srgb, var(--primary) 40%, transparent);
  /* brand SECONDARY — tenant override (Domain.secondary_color); defaults to primary
     so single-color themes stay solid. Used for gradients / the second accent. */
  --brand2: var(--primary);
  --success: #1f9d4d; --success-soft: #e7f6ec;
  --warning: #b07a00; --warning-soft: #fff5e0;
  --danger: #c0271d;  --danger-soft: #fdeceb;
  --info: #2563c9;    --info-soft: #e8f0fd;
  --radius: 14px;
  --shadow-sm: 0 2px 6px -1px rgba(15,20,30,.08);
  --shadow-md: 0 10px 30px -10px rgba(15,20,30,.18);
  --shadow-float: 0 18px 44px -16px rgba(15,20,30,.22), 0 6px 16px -8px rgba(15,20,30,.10);
}
[data-theme="dark"] {
  --bg: #0b0e13;
  --fg: #fafafa;
  --card: #12161d;
  --card-fg: #fafafa;
  --muted: #161b22;
  --muted-fg: #9aa1ad;
  --secondary: #1c222b;
  --secondary-fg: #e9eaec;
  --border: #262d37;
  --input-border: #2a313c;
  --hover: #1f2630;
  --primary: #5EE695;
  --primary-fg: #07140c;
  --primary-soft: color-mix(in srgb, var(--primary) 16%, transparent);
  --ring: color-mix(in srgb, var(--primary) 45%, transparent);
  --success: #36c172; --success-soft: rgba(54,193,114,.14);
  --warning: #e0a738; --warning-soft: rgba(224,167,56,.14);
  --danger: #ef5d52;  --danger-soft: rgba(239,93,82,.14);
  --info: #5b9bf0;    --info-soft: rgba(91,155,240,.14);
  --shadow-sm: 0 2px 6px -1px rgba(0,0,0,.4);
  --shadow-md: 0 14px 40px -12px rgba(0,0,0,.6);
  --shadow-float: 0 24px 56px -18px rgba(0,0,0,.7), 0 8px 20px -10px rgba(0,0,0,.45);
}

/* ---- F2 compat aliases --------------------------------------------------- */
/* Old self-contained admin pages reference --neutral-*/--mint; map them to the
   theme-aware tokens so they go dark/gold + toggle with no body-CSS changes.
   (Resolved at use-time, so one definition covers both themes.) */
:root {
  --white: #ffffff; --neutral-50: #ffffff; --neutral-100: #f0f1f3; --neutral-200: #dcdfe4;
  --neutral-300: #e0e3e8; --neutral-400: #5f6672; --neutral-500: #5f6672; --neutral-600: #5f6672;
  --neutral-700: #171c24; --neutral-900: #171c24;
  --mint: #5EE695; --mint-hover: #3FD97E; --mint-700: #1f9d57;
}
[data-theme="dark"] {
  --white: #12161d; --neutral-50: #0b0e13; --neutral-100: #161b22; --neutral-200: #262d37;
  --neutral-300: #2a313c; --neutral-400: #9aa1ad; --neutral-500: #9aa1ad; --neutral-600: #9aa1ad;
  --neutral-700: #fafafa; --neutral-900: #fafafa;
  --mint: #5EE695; --mint-hover: #3FD97E; --mint-700: #1f9d57;
}

/* ---- admin signup/onboarding surface: marketing-aligned LIGHT + MINT --------
   The admin registration flow (admin_login/register/otp + B2B onboarding) is set
   to data-theme="light" data-surface="admin" so it mirrors the www.fintology.ai
   marketing site (white canvas + mint #5EE695) per design.md's Landing spec.
   Retargets the accent gold -> mint, scoped to this surface only, so the rest of
   the app (dashboards) keeps its dark/gold system. PRODUCT-OWNER DIRECTED — this
   intentionally diverges from design.md §0 ("app = dark/gold"); flagged for V/Saad.
   Higher specificity (html[data-surface]) + theme-agnostic so mint holds in both
   light and (toggled) dark. */
html[data-surface="admin"] {
  --primary: #5EE695; --primary-fg: #07140c;
  --primary-soft: rgba(94,230,149,0.16); --ring: rgba(94,230,149,0.40);
  --mint: #5EE695; --mint-hover: #3FD97E; --mint-700: #1f9d57;
}

/* ---- base ---------------------------------------------------------------- */
* { box-sizing: border-box; }
html, body { height: 100%; }
body {
  margin: 0; min-height: 100%;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  background: var(--bg); color: var(--fg);
  -webkit-font-smoothing: antialiased;
  transition: background-color .2s, color .2s;
}
a { color: var(--fg); text-decoration: none; }
.num, .mono { font-family: "JetBrains Mono", ui-monospace, Menlo, monospace; font-variant-numeric: tabular-nums; }
.muted { color: var(--muted-fg); }

h1 { font-size: 1.9rem; font-weight: 600; letter-spacing: -.02em; margin: 0; }
h2 { font-size: 1.25rem; font-weight: 600; letter-spacing: -.01em; margin: 0; }
.subtitle { color: var(--muted-fg); font-size: 1rem; line-height: 1.5; margin: .6rem 0 1.6rem; }
.subtitle strong, .muted strong { color: var(--fg); }

/* ---- top bar / shells ---------------------------------------------------- */
.topbar { display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 2rem; max-width: 1100px; margin: 0 auto; width: 100%; }
.wordmark { font-weight: 600; font-size: 1.35rem; letter-spacing: -.03em; color: var(--fg);
  display: flex; align-items: center; gap: .5rem; }
.wordmark img { max-height: 32px; display: block; }
.topbar-right { display: flex; align-items: center; gap: 1rem; font-size: .92rem; color: var(--muted-fg); }
.topbar-right a { color: var(--fg); font-weight: 600; }
.topbar-right a:hover { text-decoration: underline; }

.shell { min-height: 100vh; display: flex; flex-direction: column; }

/* Shared fine-print footer (admin + consumer flows) — copyright left, legal right */
.site-footer { display: flex; align-items: center; justify-content: space-between; gap: .75rem 1.25rem;
  flex-wrap: wrap; width: 100%; max-width: 1100px; margin: 0 auto; padding: 1.1rem 2rem 1.4rem;
  font-size: .76rem; color: var(--muted-fg); }
.site-footer .sf-links { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.site-footer a { color: var(--muted-fg); text-decoration: none; }
.site-footer a:hover { color: var(--fg); text-decoration: underline; }
@media (max-width: 520px) { .site-footer { justify-content: center; text-align: center; } }
.center-stage { flex: 1; display: flex; flex-direction: column; align-items: center;
  justify-content: flex-start; padding: 1.5rem 1.25rem 4rem; }
.progress { color: var(--muted-fg); font-size: .9rem; font-weight: 500; margin: 0 0 1.1rem; text-align: center; }
.progress b { color: var(--fg); font-weight: 600; }

/* ---- card ---------------------------------------------------------------- */
.card { width: 100%; max-width: 448px; background: var(--card); color: var(--card-fg);
  border: 1px solid var(--border); border-radius: 20px; padding: 2.4rem 2.2rem;
  box-shadow: var(--shadow-sm); }
.card.wide { max-width: 600px; }
.card.narrow { max-width: 400px; }
.card .card-head { text-align: center; margin-bottom: 1.6rem; }
html[data-surface="admin"] .card { background: var(--card); box-shadow: var(--shadow-float); }
html[data-surface="admin"] body { background: #e3e6ec; }  /* soft grey so white cards pop */
/* admin-flow text inputs: white fill + a visible border (OTP cells keep their grey) */
html[data-surface="admin"] input:not(.otp-cell):not([type=checkbox]):not([type=radio]),
html[data-surface="admin"] select, html[data-surface="admin"] textarea { background: var(--bg); border-color: var(--border); }
html[data-surface="admin"] input:not(.otp-cell):not([type=checkbox]):not([type=radio]):focus,
html[data-surface="admin"] select:focus, html[data-surface="admin"] textarea:focus { border-color: var(--primary); box-shadow: 0 0 0 3px var(--ring); }

/* ---- panels (dashboard) -------------------------------------------------- */
.panel { background: var(--card); border: 1px solid var(--border); border-radius: 16px;
  padding: 1.4rem 1.5rem; }
.panel h2 { font-size: .78rem; text-transform: uppercase; letter-spacing: .05em;
  color: var(--muted-fg); font-weight: 600; margin: 0 0 1rem; }

/* ---- forms --------------------------------------------------------------- */
.field, .group { margin-bottom: 1.1rem; }
label, .label { display: block; font-size: .9rem; font-weight: 600; color: var(--fg); margin: .9rem 0 .45rem; }
.card-head + label, .card-head ~ form label:first-of-type { margin-top: 0; }
form > button[type=submit], form > .btn { margin-top: 1.3rem; }
.opt { color: var(--muted-fg); font-weight: 400; }
.help { color: var(--muted-fg); font-size: .82rem; margin-top: .3rem; }
input[type=text], input[type=email], input[type=password], input[type=tel], input[type=date],
input[type=number], input[type=url], select, textarea {
  width: 100%; padding: .8rem 1rem; background: var(--bg); color: var(--fg);
  border: 1px solid var(--input-border); border-radius: 12px;
  font-family: inherit; font-size: .98rem; transition: border-color .15s, box-shadow .15s; }
[data-theme="dark"] input, [data-theme="dark"] select, [data-theme="dark"] textarea { background: #0f131a; }
select { appearance: none; -webkit-appearance: none; padding-right: 2.5rem;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23888' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .85rem center; }
textarea { min-height: 90px; resize: vertical; }
input::placeholder, textarea::placeholder { color: var(--muted-fg); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px var(--ring); }
input[type=checkbox], input[type=radio] { width: auto; margin: 0; accent-color: var(--primary); }
.check { display: flex; gap: .5rem; align-items: flex-start; font-weight: 400; margin: .55rem 0; }

/* ---- buttons ------------------------------------------------------------- */
.btn, button[type=submit], .btn-primary {
  width: 100%; padding: .9rem 1.1rem; border: 0; border-radius: 12px; cursor: pointer;
  background: var(--primary); color: var(--primary-fg); font-family: inherit; font-weight: 600;
  font-size: 1rem; display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  transition: filter .15s, background-color .15s; }
.btn:hover, button[type=submit]:hover, .btn-primary:hover { filter: brightness(1.05); }
.btn:disabled, button[type=submit]:disabled { opacity: .55; cursor: not-allowed; filter: none; }
.btn-outline { background: transparent; color: var(--fg); border: 1px solid var(--border); width: auto; padding: .6rem 1rem; }
.btn-outline:hover { background: var(--hover); filter: none; }
.btn-ghost { background: transparent; color: var(--fg); width: auto; padding: .55rem .8rem; }
.btn-ghost:hover { background: var(--hover); filter: none; }
.btn-sm { width: auto; padding: .5rem .85rem; font-size: .85rem; }

/* ---- links / alerts ------------------------------------------------------ */
.links { text-align: center; margin-top: 1.4rem; font-size: .92rem; color: var(--muted-fg); line-height: 1.9; }
.links a, .muted a { color: var(--fg); font-weight: 600; }
.links a:hover, .muted a:hover { text-decoration: underline; }
.alert, .error { background: var(--danger-soft); border: 1px solid var(--danger); color: var(--danger);
  padding: .7rem .85rem; border-radius: 12px; font-size: .9rem; margin-bottom: 1.1rem; }
.notice, .dev-hint { background: var(--primary-soft); border: 1px solid var(--primary); color: var(--fg);
  padding: .7rem .85rem; border-radius: 12px; font-size: .88rem; margin-bottom: 1.1rem; }
.errorlist, .field-error { color: var(--danger); font-size: .82rem; margin: .35rem 0 0; padding: 0; list-style: none; }

/* ---- pills / tags -------------------------------------------------------- */
.pill, .tag { display: inline-flex; align-items: center; padding: .15rem .6rem; border-radius: 999px;
  font-size: .74rem; font-weight: 600; border: 1px solid transparent; }
.pill.ok, .tag.ok { background: var(--success-soft); color: var(--success); border-color: var(--success); }
.pill.warn, .tag.warn { background: var(--warning-soft); color: var(--warning); border-color: var(--warning); }
.pill.bad, .tag.bad { background: var(--danger-soft); color: var(--danger); border-color: var(--danger); }
.pill.muted, .tag.muted { background: var(--muted); color: var(--muted-fg); border-color: var(--border); }

/* ---- tables -------------------------------------------------------------- */
table { width: 100%; border-collapse: collapse; font-size: .88rem; }
th, td { text-align: left; padding: .6rem .65rem; border-bottom: 1px solid var(--border); }
th { font-size: .72rem; text-transform: uppercase; letter-spacing: .03em; color: var(--muted-fg); font-weight: 600; }
td.num, th.num { text-align: right; }
tr:hover td { background: var(--hover); }

/* ---- sidebar shell (dashboard) ------------------------------------------- */
.app-shell { display: flex; min-height: 100vh; }
.sidebar { width: 248px; background: var(--card); border-right: 1px solid var(--border);
  display: flex; flex-direction: column; position: fixed; top: 0; bottom: 0; }
.sidebar .brand { padding: 1.4rem 1.3rem; font-weight: 600; font-size: 1.1rem; letter-spacing: -.02em;
  border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: .5rem; }
.sidebar .brand img { max-height: 28px; }
.nav { flex: 1; padding: .75rem .6rem; }
.nav a { display: block; padding: .6rem .75rem; margin: .1rem 0; border-radius: 10px;
  color: var(--muted-fg); font-size: .92rem; font-weight: 500; }
.nav a:hover { background: var(--hover); color: var(--fg); }
.nav a.active { background: var(--primary-soft); color: var(--fg); font-weight: 600; }
.sidebar .foot { padding: 1rem 1.1rem; border-top: 1px solid var(--border); font-size: .82rem; }
.sidebar .foot .who { color: var(--muted-fg); margin-bottom: .6rem; word-break: break-all; }
.sidebar .foot form button { width: 100%; background: transparent; color: var(--muted-fg);
  border: 1px solid var(--border); border-radius: 10px; padding: .55rem; font-weight: 600;
  font-size: .85rem; cursor: pointer; font-family: inherit; }
.sidebar .foot form button:hover { background: var(--hover); color: var(--fg); filter: none; }
.sidebar .foot .row-between { display: flex; align-items: center; gap: .6rem; }
.main { margin-left: 248px; flex: 1; padding: 2rem 2.4rem; max-width: 1120px; }
.main h1 { font-size: 1.6rem; margin: 0 0 1.5rem; }

/* ---- theme toggle -------------------------------------------------------- */
.theme-toggle { display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 10px; border: 1px solid var(--border);
  background: var(--card); color: var(--fg); cursor: pointer; padding: 0; }
.theme-toggle:hover { background: var(--hover); }
.theme-toggle svg { width: 18px; height: 18px; }
.theme-toggle .icon-dark { display: none; }
[data-theme="dark"] .theme-toggle .icon-dark { display: block; }
[data-theme="dark"] .theme-toggle .icon-light { display: none; }

/* ---- auth helpers (admin login / register) ------------------------------- */
.center-stage.mid { justify-content: center; }       /* vertically-centered auth */
.pw { position: relative; }
.pw input { padding-right: 2.8rem; }
.pw-eye { position: absolute; right: .5rem; top: 50%; transform: translateY(-50%);
  background: none; border: 0; color: var(--muted-fg); cursor: pointer; padding: .35rem;
  line-height: 0; display: inline-flex; align-items: center; }
.pw-eye:hover { color: var(--fg); }
.pw-eye svg { width: 20px; height: 20px; display: block; }
.divider { display: flex; align-items: center; gap: .9rem; color: var(--muted-fg);
  font-size: .75rem; letter-spacing: .12em; margin: 1.3rem 0; }
.divider::before, .divider::after { content: ""; flex: 1; height: 1px; background: var(--border); }
.btn-google { background: var(--card); color: var(--fg); border: 1px solid var(--border);
  position: relative; cursor: not-allowed; }
.btn-google:hover { filter: none; background: var(--card); }
.btn-google .g { width: 18px; height: 18px; }
.btn-google .soon { position: absolute; right: .8rem; top: 50%; transform: translateY(-50%);
  font-size: .62rem; font-weight: 600; color: var(--muted-fg); background: var(--muted);
  padding: .15rem .45rem; border-radius: 999px; }

/* ---- compact auth pages (admin sign-in chrome) --------------------------- */
html[data-page="auth"] .card { padding: 1.9rem 2rem; border-radius: 16px; }
html[data-page="auth"] .card-head { margin-bottom: 1.1rem; }
html[data-page="auth"] h1 { font-size: 1.55rem; }
html[data-page="auth"] .subtitle { margin: .35rem 0 1.3rem; font-size: .92rem; }
html[data-page="auth"] .field { margin-bottom: .7rem; }
html[data-page="auth"] input { padding-block: .68rem; border-radius: 10px; font-size: .95rem; }
html[data-page="auth"] form > button[type=submit] { margin-top: .9rem; padding: .8rem; font-size: .95rem; }
html[data-page="auth"] .divider { margin: 1rem 0; }
html[data-page="auth"] .btn-google { padding: .75rem; }
html[data-page="auth"] .links { margin-top: 1rem; }

/* ---- segmented OTP input (email / phone verify) -------------------------- */
.otp { display: flex; gap: .5rem; justify-content: center; }
.otp .otp-cell { width: 100%; min-width: 0; max-width: 3.1rem; aspect-ratio: 1 / 1;
  text-align: center; padding: 0; color: var(--fg);
  font-family: "JetBrains Mono", ui-monospace, Menlo, monospace; font-size: 1.4rem; font-weight: 600;
  background: var(--muted); border: 1px solid var(--input-border); border-radius: 10px;
  transition: border-color .15s, box-shadow .15s, background-color .15s; }
.otp .otp-cell:focus { outline: none; border-color: var(--primary); background: var(--bg);
  box-shadow: 0 0 0 3px var(--ring); }
@media (max-width: 420px) { .otp { gap: .4rem; } .otp-cell { font-size: 1.2rem; } }

/* ---- icon badge + plan summary (onboarding) ----------------------------- */
.icon-badge { width: 56px; height: 56px; border-radius: 50%; margin: 0 auto 1rem;
  background: var(--primary-soft); color: var(--primary);
  display: flex; align-items: center; justify-content: center; }
.icon-badge svg { width: 26px; height: 26px; }
.plan-summary { display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  background: var(--primary-soft); border: 1px solid var(--primary); border-radius: 10px;
  padding: .4rem .85rem; margin-bottom: 1rem; }
html[data-surface="admin"] .plan-summary { background: #d9f6e4; border-color: #8fe0ad; }
.plan-summary .ps-label { font-size: .72rem; color: var(--muted-fg); text-transform: uppercase; letter-spacing: .05em; }
.plan-summary .ps-name { font-weight: 600; color: var(--fg); font-size: .95rem; }
.plan-summary .ps-meta { font-size: .82rem; color: var(--muted-fg); white-space: nowrap; }

/* ---- button loading spinner --------------------------------------------- */
.is-loading { position: relative; color: transparent !important; pointer-events: none; }
.is-loading > * { visibility: hidden; }
.is-loading::after { content: ""; position: absolute; top: 50%; left: 50%;
  width: 18px; height: 18px; margin: -9px 0 0 -9px; border-radius: 50%;
  border: 2px solid rgba(0,0,0,.28); border-top-color: var(--primary-fg);
  animation: btn-spin .6s linear infinite; }
@keyframes btn-spin { to { transform: rotate(360deg); } }

/* ---- back button (registration / onboarding topbar) --------------------- */
.back-btn { display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 10px; border: 1px solid var(--border);
  background: var(--card); color: var(--fg); cursor: pointer; padding: 0; }
.back-btn:hover { background: var(--hover); }
.card-back { margin-top: 1.5rem; }
.back-btn svg { width: 18px; height: 18px; }

/* ---- compact onboarding pages (f2_base) --------------------------------- */
html[data-page="onboarding"] .center-stage { justify-content: center; padding-top: 1rem; padding-bottom: 3rem; }
html[data-page="onboarding"] .progress { margin-bottom: .85rem; }
html[data-page="onboarding"] .card { padding: 1.8rem 1.9rem; border-radius: 16px; }
html[data-page="onboarding"] .card-head { margin-bottom: 1.1rem; }
html[data-page="onboarding"] h1 { font-size: 1.5rem; }
html[data-page="onboarding"] .subtitle { margin: .35rem 0 1.2rem; font-size: .92rem; }
html[data-page="onboarding"] .icon-badge { width: 48px; height: 48px; margin-bottom: .8rem; }
html[data-page="onboarding"] .icon-badge svg { width: 22px; height: 22px; }
html[data-page="onboarding"] .plan-summary { padding: .75rem .9rem; margin-bottom: 1rem; }
html[data-page="onboarding"] .group, html[data-page="onboarding"] .field { margin-bottom: .8rem; }
html[data-page="onboarding"] label, html[data-page="onboarding"] .label { font-size: .88rem; margin: 0 0 .35rem; }
html[data-page="onboarding"] input:not(.otp-cell):not([type=checkbox]):not([type=radio]), html[data-page="onboarding"] select, html[data-page="onboarding"] textarea { padding-block: .62rem; border-radius: 10px; font-size: .95rem; }
html[data-page="onboarding"] form > button[type=submit], html[data-page="onboarding"] .btn { padding: .8rem; font-size: .95rem; }
html[data-page="onboarding"] .card-back { margin-top: 1.2rem; }

/* ---- EULA / agreement document (onboarding) ----------------------------- */
.eula-doc { border: 1px solid var(--border); border-radius: 12px; background: var(--card);
  max-height: 42vh; overflow-y: auto; padding: 1.1rem 1.2rem; text-align: left; }
.eula-title { text-align: center; margin: 0 0 .9rem; padding-bottom: .8rem; border-bottom: 1px solid var(--border); }
.eula-title h2 { font-size: 1rem; font-weight: 700; color: var(--fg); margin: 0 0 .25rem; }
.eula-title span { font-size: .8rem; font-weight: 600; color: var(--mint-700); }
.eula-doc p { font-size: .85rem; color: var(--muted-fg); line-height: 1.55; margin: 0 0 .7rem; }
.eula-sec { margin-bottom: .8rem; }
.eula-sec h4 { font-size: .85rem; font-weight: 600; color: var(--fg); margin: 0 0 .25rem; display: flex; align-items: center; gap: .5rem; }
.eula-sec h4::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--primary); flex: 0 0 6px; }
.eula-sec p { padding-left: .95rem; margin: 0; }
.eula-poa { background: var(--primary-soft); border: 1px solid var(--primary); border-radius: 10px; padding: .8rem .9rem; margin: .9rem 0; }
.eula-poa h3 { font-size: .85rem; font-weight: 700; color: var(--fg); margin: 0 0 .5rem; }
.eula-poa h5 { font-size: .82rem; font-weight: 600; color: var(--fg); margin: .5rem 0 .1rem; }
.eula-poa p { margin: 0; }
.eula-box { background: var(--muted); border: 1px solid var(--border); border-radius: 10px; padding: .8rem .9rem; margin-top: .8rem; }
.eula-box p { margin: 0 0 .15rem; font-size: .8rem; }
.eula-fine { text-align: center; margin-top: .9rem; padding-top: .8rem; border-top: 1px solid var(--border); }
.eula-fine .warn { font-size: .78rem; font-weight: 600; color: var(--fg); margin: 0 0 .3rem; }
.eula-fine .copy { font-size: .7rem; font-style: italic; color: var(--muted-fg); margin: 0; }
.eula-scrolldown { display: block; margin: .8rem auto 0; width: 34px; height: 34px; border-radius: 50%;
  border: 0; cursor: pointer; background: var(--primary); color: var(--primary-fg); }
.eula-scrolldown svg { width: 18px; height: 18px; }
.eula-check { display: flex; align-items: flex-start; gap: .6rem; margin: 1.2rem 0 .5rem; font-size: .85rem; color: var(--muted-fg); line-height: 1.5; cursor: pointer; }
.eula-check input { margin: .15rem 0 0; accent-color: var(--primary); width: auto; flex: 0 0 auto; }
.eula-note { color: var(--warning); font-size: .82rem; margin: 0 0 .9rem; }

/* ---- connect website options (onboarding domain step) ------------------- */
.connect-why { display: flex; gap: .8rem; align-items: flex-start; background: var(--primary-soft);
  border: 1px solid var(--primary); border-radius: 12px; padding: .7rem .85rem; margin-bottom: .7rem; }
.connect-why .cw-icon { flex: 0 0 auto; color: var(--mint-700); margin-top: .1rem; }
.connect-why .cw-icon svg { width: 20px; height: 20px; }
.connect-why h3 { font-size: .9rem; font-weight: 600; color: var(--fg); margin: 0; }
.connect-why p { font-size: .82rem; color: var(--muted-fg); margin: .2rem 0 0; line-height: 1.45; }
.connect-form { margin: 0 0 .5rem; }
.connect-form .connect-option { display: flex; align-items: flex-start; justify-content: flex-start; gap: .7rem;
  width: 100%; text-align: left; padding: .72rem .95rem; border-radius: 12px; border: 1px solid var(--border);
  background: var(--card); color: var(--fg); font: inherit; font-weight: 400; cursor: pointer;
  transition: border-color .15s, background-color .15s; }
.connect-form .connect-option:hover { border-color: var(--primary); background: var(--card); filter: none;
  box-shadow: 0 0 0 1px var(--primary); }
.connect-form .connect-option.recommended { border-color: var(--info); background: var(--info-soft); }
.connect-form .connect-option.recommended:hover { border-color: var(--info); background: var(--info-soft); }
.connect-option.recommended .co-icon { background: var(--info-soft); color: var(--info); }
.connect-option .co-icon.muted { background: var(--muted); color: var(--muted-fg); }
.connect-title { color: var(--mint-700); }
.connect-form .connect-option.is-loading { color: transparent; }
.connect-option .co-icon { flex: 0 0 auto; width: 34px; height: 34px; border-radius: 9px;
  display: inline-flex; align-items: center; justify-content: center; background: var(--primary-soft); color: var(--mint-700); }
.connect-option .co-icon svg { width: 18px; height: 18px; }
.connect-option .co-body { flex: 1; min-width: 0; }
.connect-option .co-title { font-weight: 600; display: flex; align-items: center; gap: .5rem; flex-wrap: wrap; }
.connect-option .co-desc, .connect-option .co-warn { display: block; }
.connect-option .co-desc { font-size: .82rem; color: var(--muted-fg); margin-top: .1rem; line-height: 1.4; }
.connect-option .co-arrow { flex: 0 0 auto; color: var(--muted-fg); margin-top: .2rem; }
.connect-option .co-arrow svg { width: 18px; height: 18px; }
.co-badge { font-size: .66rem; font-weight: 600; background: var(--info-soft); color: var(--info); padding: .12rem .5rem; border-radius: 999px; }
.co-warn { font-size: .76rem; color: var(--warning); margin-top: .3rem; }

/* ===========================================================================
   Dashboard components (consumer /app) - tokenized so pages carry no colors
   =========================================================================== */
.page-head, .head, .top, .bill-head { display: flex; justify-content: space-between;
  align-items: center; gap: 1rem; flex-wrap: wrap; }
.grid { display: grid; gap: 1.25rem; }
.cards, .scores { display: flex; flex-wrap: wrap; gap: 1rem; }
.sub { color: var(--muted-fg); margin: -.6rem 0 1.6rem; }
a.back { color: var(--primary); font-size: .85rem; }

/* score cards */
.score-card { flex: 1; min-width: 160px; text-align: center; }
.score-card .bureau { font-size: .8rem; color: var(--muted-fg); text-transform: uppercase; letter-spacing: .04em; }
.score-card .num { font-size: 2.6rem; font-weight: 700; color: var(--primary); line-height: 1.1; margin: .35rem 0;
  font-family: "JetBrains Mono", ui-monospace, monospace; }
.score-card .num.empty { color: var(--muted-fg); opacity: .5; }
.score { text-align: center; padding: .8rem 1.2rem; border: 1px solid var(--border); border-radius: 12px; }
.score .b { font-size: .72rem; text-transform: uppercase; color: var(--muted-fg); }
.score .n { font-size: 1.6rem; font-weight: 700; color: var(--primary); font-family: "JetBrains Mono", ui-monospace, monospace; }

/* key-value + meta */
.kv { display: grid; grid-template-columns: 180px 1fr; gap: .5rem 1rem; font-size: .9rem; }
.kv dt { color: var(--muted-fg); } .kv dd { margin: 0; }
.meta { display: flex; gap: 1.5rem; flex-wrap: wrap; color: var(--fg); font-size: .92rem; margin-top: .4rem; }
.meta .k { color: var(--muted-fg); font-size: .78rem; display: block; }

/* notes / walls / empty */
.note { font-size: .84rem; color: var(--warning); background: var(--warning-soft);
  border: 1px solid var(--warning); padding: .6rem .8rem; border-radius: 10px; }
.empty-state, .wall { color: var(--muted-fg); }
.wall { text-align: center; padding: 2.5rem 1.5rem; max-width: 480px; margin: 0 auto; }
.soon { text-align: center; color: var(--muted-fg); padding: 2.5rem 1rem; border: 1px dashed var(--border); border-radius: 12px; }

/* status badges (application + subscription) */
.badge { display: inline-flex; align-items: center; padding: .15rem .6rem; border-radius: 999px;
  font-size: .74rem; font-weight: 600; text-transform: capitalize; border: 1px solid transparent; }
.badge.sequencing { background: var(--info-soft); color: var(--info); }
.badge.ongoing { background: var(--warning-soft); color: var(--warning); }
.badge.completed, .badge.active, .badge.trialing { background: var(--success-soft); color: var(--success); }
.badge.past_due, .badge.canceled { background: var(--danger-soft); color: var(--danger); }

/* pull-type pills (application detail) */
.pull { display: inline-flex; padding: .12rem .55rem; border-radius: 999px; font-size: .72rem; font-weight: 600; }
.pull.soft, .pull.income_based { background: var(--success-soft); color: var(--success); }
.pull.hard { background: var(--danger-soft); color: var(--danger); }
.pull.hard_first_pull_only, .pull.hard_if_approved { background: var(--warning-soft); color: var(--warning); }
.tag.bad { background: var(--danger-soft); color: var(--danger); }
.round h2 { font-size: .95rem; margin: 0 0 .8rem; }
.round h2 .num { color: var(--primary); }

/* err alias of alert */
.err { background: var(--danger-soft); color: var(--danger); border: 1px solid var(--danger);
  padding: .6rem .8rem; border-radius: 10px; margin-bottom: 1rem; font-size: .88rem; }

/* secondary buttons / row actions */
.add-btn, button.primary, .cta, .subscribe, .manage-btn { background: var(--primary); color: var(--primary-fg);
  border: 0; border-radius: 10px; padding: .55rem 1.1rem; font-size: .88rem; cursor: pointer; font-weight: 600;
  display: inline-block; width: auto; }
.add-btn:hover, button.primary:hover, .cta:hover, .subscribe:hover, .manage-btn:hover { filter: brightness(1.05); }
button.primary:disabled, .plan .disabled { background: var(--muted); color: var(--muted-fg); cursor: not-allowed; filter: none; }
.view, .edit, .act a, .act button { display: inline-block; width: auto; font-size: .84rem;
  border: 1px solid var(--border); background: var(--card); border-radius: 8px; padding: .35rem .8rem;
  color: var(--fg); cursor: pointer; margin-left: .3rem; }
.act form { display: inline; }
.view:hover, .edit:hover { background: var(--hover); }
.act .del { color: var(--danger); border-color: var(--danger); }
.actions { margin-top: 1.4rem; display: flex; gap: .6rem; }
.actions button { width: auto; padding: .6rem 1.2rem; }
.actions a { padding: .6rem 1.2rem; border: 1px solid var(--border); border-radius: 8px; color: var(--fg); }
input[type=file] { width: 100%; padding: .5rem; border: 1px solid var(--input-border); border-radius: 12px; background: var(--bg); color: var(--fg); }

/* feature lists / mono */
.feat { list-style: none; padding: 0; margin: .8rem 0 0; font-size: .9rem; color: var(--fg); }
.feat li { padding: .2rem 0; } .feat li::before { content: "\2022  "; color: var(--primary); }
.card-line { font-family: "JetBrains Mono", ui-monospace, monospace; }

/* billing plans */
.notice.ok { background: var(--success-soft); color: var(--success); border-color: var(--success); }
.notice.err { background: var(--danger-soft); color: var(--danger); border-color: var(--danger); }
.toggle { display: inline-flex; border: 1px solid var(--border); border-radius: 999px; overflow: hidden; margin-bottom: 1.5rem; }
.toggle a { padding: .45rem 1.1rem; font-size: .86rem; color: var(--muted-fg); background: var(--card); }
.toggle a.on { background: var(--primary); color: var(--primary-fg); }
.plans { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1.25rem; max-width: 840px; }
.plan { background: var(--card); border: 1px solid var(--border); border-radius: 14px; padding: 1.5rem; display: flex; flex-direction: column; }
.plan.featured { border-color: var(--primary); box-shadow: var(--shadow-md); }
.plan h3 { margin: 0; font-size: 1.1rem; }
.plan .price { font-size: 1.9rem; font-weight: 700; margin: .6rem 0 .1rem; }
.plan .price span { font-size: .85rem; font-weight: 400; color: var(--muted-fg); }
.plan ul { list-style: none; padding: 0; margin: 1rem 0 1.25rem; font-size: .88rem; color: var(--fg); flex: 1; }
.plan li { padding: .25rem 0; } .plan li::before { content: "\2713  "; color: var(--success); font-weight: 700; }
.plan button, .plan .btn { width: 100%; padding: .65rem; border: 0; border-radius: 8px; font-size: .92rem; cursor: pointer; }
.plan .subscribe { width: 100%; }
.plan .current { background: var(--success-soft); color: var(--success); text-align: center; font-weight: 600; border-radius: 8px; padding: .65rem; }
.plan .soon { text-align: center; font-size: .76rem; color: var(--muted-fg); margin-top: .5rem; padding: 0; border: 0; }

/* ---- responsive ---------------------------------------------------------- */
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 760px) {
  .sidebar { position: static; width: 100%; flex-direction: row; flex-wrap: wrap; align-items: center; }
  .nav { display: flex; flex-wrap: wrap; }
  .main { margin-left: 0; padding: 1.5rem 1.25rem; }
}
@media (max-width: 560px) {
  .card { padding: 2rem 1.5rem; }
  .row { grid-template-columns: 1fr; }
  .topbar { padding: 1.1rem 1.25rem; }
}

/* ==========================================================================
   Consumer auth shell (.cauth) — LIGHT mode, white glass card, brand-tinted
   wash/grid/accent bar. Accents read var(--primary) (the tenant's brand color),
   so a single token re-skins the whole login/register/forgot flow. Rules are
   scoped under .cauth to win over app.css's global input/button styles.
   ========================================================================== */
.cauth { min-height: 100vh; position: relative; overflow-x: hidden;
  background: #fff; color: #0f172a;
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, system-ui, sans-serif; }
.cauth-wash { position: fixed; inset: 0; pointer-events: none; z-index: 0;
  background:
    radial-gradient(at 18% -5%, color-mix(in srgb, var(--primary) 13%, transparent) 0%, transparent 55%),
    radial-gradient(at 85% 105%, color-mix(in srgb, var(--brand2) 11%, transparent) 0%, transparent 55%); }
.cauth-grid { position: fixed; inset: 0; pointer-events: none; z-index: 0; opacity: .04;
  background-image: linear-gradient(var(--primary) 1px, transparent 1px),
                    linear-gradient(90deg, var(--primary) 1px, transparent 1px);
  background-size: 60px 60px; }
.cauth-head { position: relative; z-index: 1; padding: 1.5rem; }
.cauth-brand { display: inline-flex; align-items: center; gap: .55rem; text-decoration: none; }
.cauth-logo { width: 38px; height: 38px; border-radius: 10px; background: var(--primary);
  color: var(--primary-fg); display: grid; place-items: center; font-weight: 800; font-size: 19px; }
.cauth-logo-img { height: 38px; max-width: 170px; object-fit: contain; }
.cauth-word { font-weight: 600; font-size: 1.15rem; color: #0f172a; letter-spacing: -.02em; }
.cauth-main { position: relative; z-index: 1; display: flex; flex-direction: column; align-items: center; justify-content: center;
  padding: 1.5rem; min-height: calc(100vh - 90px); }
.cw-wide .cauth-card-wrap { max-width: 760px; }
/* applicant wizard step indicator */
.cw-steps { display: flex; align-items: center; justify-content: center; gap: .35rem; flex-wrap: wrap;
  width: 100%; max-width: 760px; margin: 0 auto 1.6rem; }
.cw-step { display: flex; align-items: center; gap: .5rem; }
.cw-step-num { width: 38px; height: 38px; flex: 0 0 auto; border-radius: 50%; display: grid; place-items: center;
  font-size: .9rem; font-weight: 700; background: #e2e8f0; color: #94a3b8; transition: all .2s; }
.cw-step-num svg { width: 16px; height: 16px; }
.cw-step.done .cw-step-num { background: var(--primary); color: var(--primary-fg); }
.cw-step.current .cw-step-num { background: var(--primary); color: var(--primary-fg);
  box-shadow: 0 0 0 4px color-mix(in srgb, var(--primary) 28%, transparent); }
.cw-step-lbl { font-size: .82rem; font-weight: 500; color: #94a3b8; line-height: 1.12; max-width: 84px; }
.cw-step.done .cw-step-lbl, .cw-step.current .cw-step-lbl { color: #0f172a; }
.cw-step-bar { width: 30px; height: 2px; background: #e2e8f0; flex: 0 0 auto; }
.cw-step-bar.done { background: color-mix(in srgb, var(--primary) 55%, transparent); }
/* wizard: centered heading + stacked section cards + actions */
.cw-head { text-align: center; margin-bottom: 1.4rem; }
.cw-head h1 { font-size: 2rem; font-weight: 700; color: #0f172a; margin: 0 0 .35rem; letter-spacing: -.02em; }
.cw-head p { color: #64748b; margin: 0; font-size: .95rem; }
.cw-card { background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border: 1px solid #e2e8f0;
  border-radius: 16px; padding: 1.5rem; box-shadow: 0 14px 40px -20px rgba(15,23,42,.14); margin-bottom: 1.1rem; }
.cw-card h2 { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .06em;
  color: #475569; margin: 0 0 1.1rem; }
.cw-grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.cw-grid3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1rem; }
/* radio-method rows (co-applicant). Scoped under .cauth to beat the global
   `.cauth form label { display:block }` rule that would stack the row. */
.cauth .cw-radio { display: flex; align-items: center; gap: .75rem; padding: .95rem 1.1rem; border: 1px solid #e2e8f0;
  border-radius: 12px; background: #fff; cursor: pointer; margin: 0 0 .75rem; font-weight: 400; transition: border-color .15s, background .15s; }
.cauth .cw-radio:last-child { margin-bottom: 0; }
.cw-radio:hover { border-color: #cbd5e1; }
.cw-radio.sel { border-color: var(--primary); background: color-mix(in srgb, var(--primary) 6%, #fff); }
.cw-radio input { position: absolute; opacity: 0; width: 0; height: 0; }
.cw-radio-dot { width: 20px; height: 20px; border-radius: 50%; border: 2px solid #cbd5e1; flex: 0 0 auto;
  display: grid; place-items: center; transition: border-color .15s; }
.cw-radio.sel .cw-radio-dot { border-color: var(--primary); }
.cw-radio.sel .cw-radio-dot::after { content: ""; width: 10px; height: 10px; border-radius: 50%; background: var(--primary); }
.cw-radio-ico { width: 18px; height: 18px; color: #475569; flex: 0 0 auto; }
.cw-radio-lbl { font-size: .95rem; color: #0f172a; font-weight: 500; }
/* optional speed-up feature card (ID scan / bank link) */
.cw-feature { display: flex; gap: 1rem; align-items: flex-start; }
.cw-feature-ico { width: 46px; height: 46px; border-radius: 12px; flex: 0 0 auto;
  background: color-mix(in srgb, var(--primary) 12%, #fff); color: var(--primary); display: grid; place-items: center; }
.cw-feature-ico svg { width: 22px; height: 22px; }
.cw-feature-body { flex: 1; min-width: 0; }
.cw-feature-h { display: flex; align-items: center; gap: .4rem; font-size: .98rem; font-weight: 700; color: #0f172a; }
.cw-feature-shield { width: 15px; height: 15px; color: var(--primary); }
.cw-feature-desc { color: #64748b; font-size: .85rem; line-height: 1.5; margin: .35rem 0 .8rem; }
.cw-feature-btn { display: inline-flex; align-items: center; gap: .45rem; border: 1px solid color-mix(in srgb, var(--primary) 35%, #e2e8f0);
  background: #fff; color: var(--primary); border-radius: 10px; padding: .5rem .9rem; font: inherit; font-weight: 600; font-size: .85rem; cursor: pointer; }
.cw-feature-btn:hover { background: color-mix(in srgb, var(--primary) 6%, #fff); }
.cw-feature-btn svg { width: 15px; height: 15px; }
.cw-feature-opt { color: #94a3b8; font-size: .72rem; font-style: italic; margin: .55rem 0 0; }
@media (max-width: 560px) { .cw-grid3 { grid-template-columns: 1fr; } }
.cw-actions { display: flex; gap: .7rem; margin-top: .4rem; }
.cw-actions .cw-back { flex: 0 0 auto; width: auto; background: #fff; border: 1px solid #e2e8f0; color: #475569;
  height: 48px; padding: 0 1.2rem; border-radius: 10px; font: inherit; font-weight: 600; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem; text-decoration: none; }
.cw-actions .cw-back:hover { background: #f8fafc; border-color: #cbd5e1; }
.cw-actions .cw-back svg { width: 16px; height: 16px; }
/* scoped under .cauth to beat the global `.cauth form button[type=submit]` margin */
.cauth .cw-actions .cauth-cta, .cauth .cw-actions button[type=submit] { flex: 1; margin-top: 0; }
/* size + align icons inside wizard submit buttons (e.g. the EULA "Submit Application" check) */
.cauth form button[type=submit] svg { width: 16px; height: 16px; flex: 0 0 auto; }
.cauth form button[type=submit]:has(svg) { display: inline-flex; align-items: center; justify-content: center; gap: .5rem; }
/* "Coming soon" badge on a wizard action button */
.cw-actions .cw-has-badge { position: relative; overflow: visible; }
.cw-badge { position: absolute; top: -8px; right: -6px; background: #0f172a; color: #fff;
  font-size: .56rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase;
  padding: .16rem .4rem; border-radius: 999px; box-shadow: 0 2px 6px -1px rgba(15,23,42,.35);
  pointer-events: none; white-space: nowrap; }
/* secondary "Upload report" button + its reveal panel + free-report link */
.cauth .cw-upload-btn { width: 100%; height: 48px; margin-top: .8rem; border: 1px solid #e2e8f0;
  background: #fff; color: #334155; border-radius: 10px; font: inherit; font-weight: 600; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem; }
.cauth .cw-upload-btn:hover { background: #f8fafc; border-color: #cbd5e1; }
.cauth .cw-upload-btn.open { border-color: var(--primary); color: #0f172a; }
.cauth .cw-upload-btn svg { width: 18px; height: 18px; }
.cauth .cw-upload-panel { margin-top: .8rem; padding: 1rem; border: 1px solid #e2e8f0;
  border-radius: 12px; background: #f8fafc; }
.cauth .cw-upload-panel[hidden] { display: none; }
.cauth .cw-upload-panel label { display: block; }
/* clean custom file input (upload popup) */
.cr-file-lbl { font-size: .8rem; font-weight: 600; color: #475569; margin: 0 0 .4rem; }
.cauth .cr-file { display: block; position: relative; cursor: pointer; }
.cauth .cr-file input[type=file] { position: absolute; inset: 0; opacity: 0; width: 100%; height: 100%;
  cursor: pointer; margin: 0; }
.cauth .cr-file input[type=file]:disabled { cursor: not-allowed; }
.cr-file-box { display: flex; align-items: center; gap: .7rem; padding: .7rem .85rem; border: 1px dashed #cbd5e1;
  border-radius: 12px; background: #f8fafc; transition: border-color .15s, background .15s; }
.cr-file:hover .cr-file-box { border-color: var(--primary); background: color-mix(in srgb, var(--primary) 5%, #f8fafc); }
.cr-file-ico { width: 34px; height: 34px; border-radius: 9px; background: #fff; border: 1px solid #e2e8f0;
  color: #64748b; display: grid; place-items: center; flex: 0 0 auto; }
.cr-file-ico svg { width: 17px; height: 17px; }
.cr-file-name { flex: 1; min-width: 0; font-size: .85rem; color: #64748b; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.cr-file-btn { flex: 0 0 auto; font-size: .78rem; font-weight: 600; color: var(--primary);
  border: 1px solid color-mix(in srgb, var(--primary) 35%, #e2e8f0); border-radius: 8px; padding: .3rem .7rem; background: #fff; }
.cr-file-check { display: none; flex: 0 0 auto; width: 26px; height: 26px; border-radius: 50%;
  background: #16a34a; color: #fff; place-items: center; }
.cr-file-check svg { width: 14px; height: 14px; }
.cr-file.has-file .cr-file-box { border-style: solid; border-color: #16a34a; background: #f0fdf4; }
.cr-file.has-file .cr-file-ico { border-color: #bbf7d0; color: #16a34a; }
.cr-file.has-file .cr-file-name { color: #0f172a; font-weight: 600; }
.cr-file.has-file .cr-file-btn { display: none; }
.cr-file.has-file .cr-file-check { display: grid; }
/* disabled "coming soon" action button — clean muted twin of the gold CTA */
.cauth .cw-actions button[disabled] { flex: 1; height: 48px; border: 0; border-radius: 10px;
  background: #eef2f6; color: #9aa6b6; font: inherit; font-weight: 600; font-size: 1rem;
  display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  box-shadow: none; filter: none; cursor: not-allowed; }
/* upload popup */
.cw-modal { position: fixed; inset: 0; z-index: 50; display: flex; align-items: center; justify-content: center;
  padding: 1.2rem; background: rgba(15,23,42,.5); backdrop-filter: blur(2px); }
.cw-modal[hidden] { display: none; }
.cw-modal-card { position: relative; width: 100%; max-width: 460px; background: #fff; border-radius: 16px;
  padding: 1.6rem; box-shadow: 0 30px 70px -20px rgba(15,23,42,.4); max-height: 90vh; overflow: auto; }
.cw-modal-x { position: absolute; top: .9rem; right: .9rem; width: 32px; height: 32px; border: 0; background: transparent;
  color: #94a3b8; cursor: pointer; border-radius: 8px; display: grid; place-items: center; }
.cw-modal-x:hover { background: #f1f5f9; color: #475569; }
.cw-modal-x svg { width: 18px; height: 18px; }
.cw-modal-h { font-size: 1.25rem; font-weight: 700; color: #0f172a; margin: 0 0 .35rem; }
.cw-modal-sub { color: #64748b; font-size: .85rem; line-height: 1.5; margin: 0 0 1.1rem; }
.cw-modal-sub strong { color: #334155; }
.cw-seg { display: flex; gap: .3rem; background: #f1f5f9; border-radius: 10px; padding: .25rem; margin-bottom: 1.1rem; }
.cw-seg-btn { flex: 1; border: 0; background: transparent; color: #64748b; font: inherit; font-weight: 600;
  font-size: .82rem; padding: .5rem; border-radius: 8px; cursor: pointer; }
.cw-seg-btn.active { background: #fff; color: #0f172a; box-shadow: 0 1px 3px rgba(15,23,42,.12); }
.cw-file-lbl { display: block; font-size: .8rem; font-weight: 500; color: #475569; margin-bottom: .9rem; }
.cw-file-lbl input[type=file] { display: block; margin-top: .35rem; }
.cw-modal-err { background: #fef2f2; border: 1px solid #fecaca; color: #b91c1c; border-radius: 10px;
  padding: .55rem .8rem; font-size: .82rem; margin: 0 0 .8rem; }
.cw-modal-err[hidden] { display: none; }
.cw-free { text-align: center; margin: .9rem 0 0; font-size: .82rem; }
.cw-free a { color: var(--primary); font-weight: 500; text-decoration: none; display: inline-flex;
  align-items: center; gap: .25rem; }
.cw-free a:hover { text-decoration: underline; }
.cw-free a svg { width: 13px; height: 13px; }
/* pill multi-select (income sources etc.) */
.cw-pills { display: flex; flex-wrap: wrap; gap: .5rem; }
.cw-pill { font-size: .8rem; padding: .4rem .85rem; border-radius: 999px; border: 1px solid #e2e8f0;
  background: #fff; color: #64748b; cursor: pointer; font: inherit; }
.cw-pill.sel { background: color-mix(in srgb, var(--primary) 14%, transparent); border-color: var(--primary); color: #0f172a; }
/* required asterisk, inline hints, and the SMS-verified phone indicator */
.cw-req { color: #e11d48; }
.cw-hint { color: #94a3b8; font-size: .78rem; font-weight: 400; }
.cw-verified { display: flex; align-items: center; gap: .35rem; margin: .4rem 0 0;
  color: #16a34a; font-size: .82rem; font-weight: 600; }
.cw-verified svg { width: 15px; height: 15px; }
@media (max-width: 640px) { .cw-step-lbl { display: none; } .cw-step-bar { width: 14px; } .cw-grid2 { grid-template-columns: 1fr; } }
.cauth-card-wrap { width: 100%; max-width: 440px; animation: cauth-in .5s ease both; }
@keyframes cauth-in { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
.cauth-card { background: rgba(255,255,255,.9); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border: 1px solid #e2e8f0; border-radius: 18px; padding: 2.2rem;
  box-shadow: 0 20px 60px -20px rgba(15,23,42,.16); }
.cauth-card-h { text-align: center; margin-bottom: 1.7rem; }
.cauth-card-h h1 { font-size: 1.9rem; font-weight: 700; color: #0f172a; margin: 0 0 .45rem; letter-spacing: -.02em; line-height: 1.15; }
.cauth-card-h p { color: #64748b; margin: 0; font-size: .95rem; }
.cauth-foot { text-align: center; margin-top: 1.4rem; font-size: .9rem; color: #64748b; }
.cauth-foot a { color: var(--primary); text-decoration: none; font-weight: 500; }
.cauth-foot a:hover { text-decoration: underline; }
.cauth-foot .stack > * { display: block; margin-top: .5rem; }
.cauth-bar { position: fixed; left: 0; right: 0; bottom: 0; height: 2px; z-index: 1;
  background: linear-gradient(90deg, transparent, var(--primary), var(--brand2), transparent); opacity: .5; }
/* form bits (scoped to beat app.css global input/button rules) */
.cauth .cauth-field { margin-bottom: 1rem; }
.cauth .cauth-field > label { display: block; font-size: .78rem; color: #475569; margin-bottom: .35rem; font-weight: 500; }
.cauth .cauth-input { width: 100%; height: 44px; background: #fff; border: 1px solid #e2e8f0;
  border-radius: 10px; padding: 0 .9rem; font: inherit; font-size: .95rem; color: #0f172a; box-shadow: none; }
.cauth .cauth-input::placeholder { color: #94a3b8; }
.cauth .cauth-input:focus { outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--primary) 25%, transparent); }
.cauth .cauth-row2 { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
.cauth .cauth-pw { position: relative; }
.cauth .cauth-pw .cauth-input { padding-right: 2.8rem; }
.cauth .cauth-eye { position: absolute; right: .8rem; top: 50%; transform: translateY(-50%);
  border: 0; background: transparent; color: #94a3b8; cursor: pointer; padding: 0; display: flex; width: auto; }
.cauth .cauth-eye:hover { color: #475569; }
.cauth .cauth-eye svg { width: 18px; height: 18px; }
.cauth .cauth-cta { width: 100%; height: 48px; border: 0; border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--brand2)); color: var(--primary-fg); font: inherit; font-size: 1rem; font-weight: 600;
  cursor: pointer; display: inline-flex; align-items: center; justify-content: center; gap: .5rem; margin-top: .5rem;
  box-shadow: 0 10px 30px -10px color-mix(in srgb, var(--primary) 50%, transparent);
  transition: filter .15s, box-shadow .25s; }
.cauth .cauth-cta:hover { filter: brightness(1.04);
  box-shadow: 0 15px 40px -10px color-mix(in srgb, var(--primary) 60%, transparent); }
.cauth .cauth-cta svg { width: 16px; height: 16px; }
.cauth .cauth-check { display: flex; align-items: flex-start; gap: .55rem; font-size: .82rem; color: #475569; margin: .55rem 0; line-height: 1.45; }
.cauth .cauth-check input { margin-top: .12rem; accent-color: var(--primary); width: 15px; height: 15px; flex: 0 0 auto; }
.cauth .cauth-err { background: #fef2f2; border: 1px solid #fecaca; color: #b91c1c; border-radius: 10px;
  padding: .6rem .85rem; font-size: .85rem; margin-bottom: 1rem; }
.cauth .cauth-ferr { color: #b91c1c; font-size: .78rem; margin: .3rem 0 0; }
.cauth .cauth-note { background: color-mix(in srgb, var(--primary) 6%, transparent);
  border: 1px solid color-mix(in srgb, var(--primary) 20%, transparent); border-radius: 12px;
  padding: .8rem 1rem; font-size: .85rem; color: #475569; margin-top: 1.3rem; text-align: center; }
.cauth .cauth-success { text-align: center; }
.cauth .cauth-success-ico { width: 64px; height: 64px; border-radius: 50%;
  background: color-mix(in srgb, var(--primary) 12%, transparent); color: var(--primary);
  display: grid; place-items: center; margin: 0 auto 1.1rem; }
.cauth .cauth-success-ico svg { width: 32px; height: 32px; }
.cauth .cauth-linkbtn { border: 0; background: transparent; color: var(--primary); font: inherit;
  font-weight: 500; cursor: pointer; padding: 0; text-decoration: underline; }

/* --- wizard step content: auto-style Django-rendered forms inside the light card
   so the apply flow (pre-approval / personal / business / credit / phone / eula /
   co-applicant) inherits the look without per-field markup. --- */
.cauth form label { display: block; font-size: .82rem; color: #475569; font-weight: 500; margin: 0 0 .35rem; }
.cauth form input:not([type=checkbox]):not([type=radio]):not([type=hidden]):not([type=file]),
.cauth form select, .cauth form textarea {
  width: 100%; height: 44px; background: #fff; border: 1px solid #e2e8f0; border-radius: 10px;
  padding: 0 .9rem; font: inherit; font-size: .95rem; color: #0f172a; margin-bottom: 1rem; box-shadow: none; }
.cauth form textarea { height: auto; min-height: 90px; padding: .7rem .9rem; line-height: 1.5; }
.cauth form input:not([type=checkbox]):not([type=radio]):focus, .cauth form select:focus, .cauth form textarea:focus {
  outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px color-mix(in srgb, var(--primary) 25%, transparent); }
.cauth form input[type=checkbox], .cauth form input[type=radio] { accent-color: var(--primary); width: 16px; height: 16px; flex: 0 0 auto; }
.cauth form input[type=file] { font-size: .85rem; color: #475569; margin-bottom: 1rem; }
.cauth form label[style*="flex"] { font-weight: 400; color: #475569; font-size: .85rem; line-height: 1.45; margin: .6rem 0; }
.cauth form button[type=submit] { width: 100%; height: 48px; border: 0; border-radius: 10px;
  background: linear-gradient(135deg, var(--primary), var(--brand2)); color: var(--primary-fg); font: inherit; font-size: 1rem; font-weight: 600;
  cursor: pointer; margin-top: .5rem;
  box-shadow: 0 10px 30px -10px color-mix(in srgb, var(--primary) 50%, transparent); transition: filter .15s, box-shadow .25s; }
.cauth form button[type=submit]:hover { filter: brightness(1.04); }
.cauth form button[type=submit]:disabled { opacity: .65; cursor: default; box-shadow: none; }
.cauth .error { color: #b91c1c; font-size: .8rem; margin: -.6rem 0 1rem; }
.cauth .err { background: #fef2f2; border: 1px solid #fecaca; color: #b91c1c; border-radius: 10px; padding: .6rem .85rem; font-size: .85rem; margin-bottom: 1rem; }
.cauth details { margin-top: 1.2rem; }
.cauth details summary { color: var(--primary); cursor: pointer; font-size: .85rem; }
.cauth .panel { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 12px; padding: 1rem; }
.cauth .panel input[type=text] { margin-bottom: 0; }
.cauth table { width: 100%; border-collapse: collapse; font-size: .85rem; }
.cauth table th { text-align: left; color: #64748b; font-weight: 600; font-size: .76rem; padding: .3rem 0; }
.cauth table td { padding: .45rem 0; border-top: 1px solid #eef2f6; color: #0f172a; }
/* small inline actions (resend / revoke in the co-applicant table) override the full-width submit */
.cauth table button[type=submit] { width: auto; height: auto; background: transparent; color: var(--primary);
  font: inherit; font-size: .8rem; font-weight: 600; border: 0; cursor: pointer; padding: .2rem .4rem;
  margin: 0; box-shadow: none; }
.cauth table button.del { color: #b91c1c; }
.cauth .cauth-eula { max-height: 240px; overflow: auto; border: 1px solid #e2e8f0; border-radius: 10px;
  padding: .9rem; font-size: .8rem; color: #475569; line-height: 1.6; margin-bottom: .7rem; background: #f8fafc; }
.cauth .cauth-scores { display: flex; gap: .6rem; flex-wrap: wrap; }
.cauth .cauth-score { flex: 1; min-width: 92px; text-align: center; border: 1px solid #e2e8f0; border-radius: 12px; padding: .8rem .6rem; background: #f8fafc; }
.cauth .cauth-score .lbl { color: #64748b; font-size: .78rem; }
.cauth .cauth-score .num { font-size: 1.7rem; font-weight: 700; color: var(--primary); margin-top: .15rem; }
@media (max-width: 480px) { .cauth-card { padding: 1.6rem; } .cauth .cauth-row2 { grid-template-columns: 1fr; } }

/* ==========================================================================
   Credit-check RESULTS (onboarding review) — light theme, real report data.
   ========================================================================== */
.cr-score-card { text-align: center; }
.cr-eyebrow { font-size: .68rem; letter-spacing: .18em; text-transform: uppercase; color: #94a3b8; font-weight: 700; margin: 0 0 .2rem; }
.cr-gauge { position: relative; width: 240px; max-width: 80%; margin: 0 auto; }
.cr-gauge-svg { width: 100%; display: block; }
.cr-gauge-arc { transition: stroke-dasharray 1s ease; }
.cr-gauge-arc.cr-exc { stroke: #047857; } .cr-gauge-arc.cr-good { stroke: #16a34a; }
.cr-gauge-arc.cr-fair { stroke: #d97706; } .cr-gauge-arc.cr-poor { stroke: #dc2626; }
.cr-gauge-arc.cr-na { stroke: #94a3b8; }
.cr-gauge-num { position: absolute; left: 0; right: 0; bottom: 8%; font-size: 2.6rem; font-weight: 800; color: #0f172a; }
.cr-rating { font-weight: 700; font-size: .95rem; margin: .1rem 0 1.1rem; }
.cr-rating.cr-exc, .cr-rating.cr-good { color: #16a34a; }
.cr-rating.cr-fair { color: #d97706; } .cr-rating.cr-poor { color: #dc2626; } .cr-rating.cr-na { color: #94a3b8; }
.cr-bureaus { display: flex; gap: .6rem; justify-content: center; flex-wrap: wrap; }
.cr-bureau { border: 1px solid #e2e8f0; background: #fff; border-radius: 12px; padding: .55rem 1rem; cursor: pointer; text-align: center; font: inherit; min-width: 92px; }
.cr-bureau.active { border-color: var(--primary); background: color-mix(in srgb, var(--primary) 8%, #fff); }
.cr-bureau-score { display: block; font-size: 1.25rem; font-weight: 800; color: #0f172a; }
.cr-bureau-name { display: block; font-size: .72rem; color: #64748b; margin-top: .1rem; }
.cr-tiles { display: grid; grid-template-columns: repeat(4, 1fr); gap: .7rem; margin-bottom: 1.1rem; }
.cr-tile { background: #fff; border: 1px solid #e2e8f0; border-radius: 12px; padding: .9rem .6rem; text-align: center; }
.cr-tile-num { font-size: 1.5rem; font-weight: 800; color: #0f172a; }
.cr-tile-lbl { font-size: .66rem; text-transform: uppercase; letter-spacing: .05em; color: #94a3b8; margin-top: .15rem; font-weight: 600; }
.cr-cat-head { display: flex; align-items: center; gap: .55rem; margin-bottom: .9rem; }
.cr-cat-ico { width: 30px; height: 30px; border-radius: 8px; background: color-mix(in srgb, var(--primary) 12%, #fff); color: var(--primary); display: grid; place-items: center; flex: 0 0 auto; }
.cr-cat-ico svg { width: 16px; height: 16px; }
.cr-cat-meta { margin-left: auto; font-size: .78rem; color: #64748b; }
.cr-rows { display: flex; flex-direction: column; gap: .5rem; }
.cr-acct { border: 1px solid #e8edf3; border-radius: 12px; overflow: hidden; background: #fbfcfe; }
.cr-acct-head { width: 100%; display: flex; align-items: center; gap: .8rem; padding: .8rem .9rem; background: none; border: 0; font: inherit; text-align: left; cursor: pointer; }
.cr-acct-id { flex: 1; min-width: 0; }
.cr-acct-name { margin: 0; font-weight: 600; color: #0f172a; font-size: .9rem; }
.cr-acct-sub { margin: .1rem 0 0; color: #94a3b8; font-size: .76rem; }
.cr-acct-bal { text-align: right; }
.cr-acct-amt { margin: 0; font-weight: 700; color: #0f172a; font-size: .9rem; }
.cr-status { margin: .1rem 0 0; font-size: .74rem; font-weight: 600; }
.cr-status.cr-cur { color: #16a34a; } .cr-status.cr-paid { color: #2563eb; } .cr-status.cr-neg { color: #dc2626; }
.cr-chev { width: 16px; height: 16px; color: #94a3b8; transition: transform .2s; flex: 0 0 auto; }
.cr-acct-head.open .cr-chev { transform: rotate(180deg); }
.cr-acct-detail { padding: 0 .9rem .9rem; border-top: 1px solid #eef2f6; }
.cr-acct-detail[hidden] { display: none; }
.cr-detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: .7rem; padding-top: .8rem; }
.cr-detail-grid > div span { display: block; font-size: .7rem; color: #94a3b8; }
.cr-detail-grid > div b { font-size: .82rem; color: #0f172a; font-weight: 600; }
.cr-acct-bureaus { margin: .7rem 0 0; font-size: .74rem; color: #64748b; }
.cr-health { display: grid; grid-template-columns: repeat(3, 1fr); gap: .7rem; }
.cr-health-stat { text-align: center; }
.cr-health-num { font-size: 1.5rem; font-weight: 800; color: #0f172a; }
.cr-health-num.cr-pos { color: #16a34a; }
.cr-debt-bar { display: flex; height: 10px; border-radius: 999px; overflow: hidden; margin: 1.1rem 0 .8rem; background: #eef2f6; }
.cr-debt-seg { height: 100%; }
.cr-seg1 { background: #16a34a; } .cr-seg2 { background: #3b82f6; } .cr-seg3 { background: #a855f7; } .cr-seg4 { background: #f59e0b; }
.cr-debt-legend { display: flex; flex-wrap: wrap; gap: .5rem 1.1rem; }
.cr-legend-item { display: flex; align-items: center; gap: .4rem; font-size: .8rem; color: #64748b; }
.cr-legend-item b { color: #0f172a; }
.cr-dot { width: 9px; height: 9px; border-radius: 50%; flex: 0 0 auto; }
@media (max-width: 560px) { .cr-tiles { grid-template-columns: repeat(2, 1fr); } .cr-detail-grid { grid-template-columns: 1fr 1fr; } }

/* EULA / Agreement card with scroll-to-bottom gate */
.cr-agree { background: rgba(255,255,255,.92); border: 1px solid #e2e8f0; border-radius: 16px;
  box-shadow: 0 14px 40px -20px rgba(15,23,42,.14); overflow: hidden; margin-bottom: 1.1rem; }
.cr-agree-head { display: flex; align-items: center; gap: .8rem; padding: 1.1rem 1.4rem; border-bottom: 1px solid #eef2f6; }
.cr-agree-ico { width: 42px; height: 42px; border-radius: 11px; flex: 0 0 auto; display: grid; place-items: center;
  background: color-mix(in srgb, var(--primary) 12%, #fff); color: var(--primary); border: 1px solid color-mix(in srgb, var(--primary) 20%, #fff); }
.cr-agree-ico svg { width: 20px; height: 20px; }
.cr-agree-title { font-size: 1.1rem; font-weight: 700; color: #0f172a; }
.cr-agree-sub { font-size: .8rem; color: #64748b; margin-top: .1rem; }
.cr-agree-scroll { position: relative; max-height: 44vh; overflow-y: auto; background: #fff; padding: 1.4rem; }
.cr-agree-doc { font-size: .82rem; color: #374151; line-height: 1.6; }
.cr-doc-h { text-align: center; margin-bottom: 1rem; padding-bottom: .8rem; border-bottom: 1px solid #e5e7eb; }
.cr-doc-h h3 { font-size: 1rem; font-weight: 700; color: #111827; margin: 0; }
.cr-doc-tag { font-size: .8rem; font-weight: 600; color: var(--primary); margin: .25rem 0 0; }
.cr-agree-doc section { margin-bottom: .9rem; }
.cr-agree-doc h4 { display: flex; align-items: center; gap: .5rem; font-size: .85rem; font-weight: 700; color: #111827; margin: 0 0 .25rem; }
.cr-agree-doc section p { margin: 0; padding-left: .9rem; color: #4b5563; }
.cr-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--primary); flex: 0 0 auto; }
.cr-poa { background: color-mix(in srgb, var(--primary) 7%, #fff); border: 1px solid color-mix(in srgb, var(--primary) 18%, #fff);
  border-radius: 10px; padding: .9rem 1rem; margin: 1rem 0; }
.cr-poa h4 svg { width: 15px; height: 15px; color: var(--primary); }
.cr-poa > div { margin-top: .5rem; }
.cr-poa strong { display: block; color: #111827; font-size: .82rem; }
.cr-poa p { margin: .1rem 0 0; color: #4b5563; }
.cr-contact { background: #f3f4f6; border: 1px solid #e5e7eb; border-radius: 10px; padding: .9rem 1rem; margin-top: 1.2rem; }
.cr-contact h4 { font-size: .82rem; font-weight: 700; color: #111827; margin: 0 0 .4rem; }
.cr-contact p { margin: 0; color: #4b5563; }
.cr-contact-name { font-weight: 600; color: #111827 !important; }
.cr-doc-foot { text-align: center; margin-top: 1.1rem; padding-top: .9rem; border-top: 1px solid #e5e7eb; }
.cr-foot-bold { font-size: .78rem; font-weight: 700; color: #111827; margin: 0 0 .4rem; }
.cr-foot-fine { font-size: .68rem; font-style: italic; color: #9ca3af; margin: 0; }
.cr-agree-chevron { position: sticky; bottom: .4rem; left: 50%; transform: translateX(-50%); display: flex;
  width: 34px; height: 34px; border: 0; border-radius: 50%; background: var(--primary); color: var(--primary-fg);
  align-items: center; justify-content: center; cursor: pointer; box-shadow: 0 6px 16px -4px color-mix(in srgb, var(--primary) 60%, transparent);
  animation: cr-bounce 1.2s infinite; }
.cr-agree-chevron svg { width: 16px; height: 16px; }
@keyframes cr-bounce { 0%, 100% { transform: translate(-50%, 0); } 50% { transform: translate(-50%, 5px); } }
.cr-agree-foot { padding: 1.2rem 1.4rem; border-top: 1px solid #eef2f6; background: #fff; }
.cr-agree-warn { color: #d97706; font-size: .8rem; margin: .2rem 0 .9rem; }
.cr-agree-foot .cw-actions { margin-top: 0; }
.cr-agree-foot button[type=submit]:disabled { background: #eef2f6; color: #9aa6b6; box-shadow: none; cursor: not-allowed; }

/* "Reading your report" loading overlay (shown during the upload parse) */
.cr-loading { position: fixed; inset: 0; z-index: 60; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 1.2rem; text-align: center;
  background: rgba(255,255,255,.94); backdrop-filter: blur(4px); }
.cr-loading[hidden] { display: none; }
.cr-loading-ring { width: 76px; height: 76px; position: relative; }
.cr-loading-ring svg { width: 100%; height: 100%; }
.cr-loading-ring .cr-spin { transform-origin: center; animation: cr-spin 1s linear infinite; }
@keyframes cr-spin { to { transform: rotate(360deg); } }
.cr-loading h2 { font-size: 1.25rem; color: #0f172a; margin: 0; font-weight: 700; }
.cr-loading p { color: #64748b; margin: .25rem 0 0; font-size: .9rem; }
.cr-loading-steps { display: flex; gap: .5rem; margin-top: .4rem; }
.cr-loading-steps span { width: 8px; height: 8px; border-radius: 50%; background: color-mix(in srgb, var(--primary) 30%, #e2e8f0);
  animation: cr-pulse 1.2s ease-in-out infinite; }
.cr-loading-steps span:nth-child(2) { animation-delay: .2s; }
.cr-loading-steps span:nth-child(3) { animation-delay: .4s; }
@keyframes cr-pulse { 0%, 100% { opacity: .3; transform: scale(.85); } 50% { opacity: 1; transform: scale(1.1); background: var(--primary); } }

/* ============================================================================
   Consumer portal — left-sidebar shell (.pdash) + dashboard (.cdash). Light,
   tenant-branded via --primary. Semantic status colors are fixed.
   ============================================================================ */
.pdash { background: #f6f7f8; color: var(--card-fg); }
.pdash-shell { display: flex; min-height: 100vh; }
#pdash-side-toggle { position: absolute; }

.pdash-side {
  width: 258px; flex-shrink: 0; background: #fff; border-right: 1px solid var(--border);
  display: flex; flex-direction: column; position: sticky; top: 0; height: 100vh; }
.pdash-brand { display: flex; align-items: center; height: 60px; padding: 0 1.25rem;
  font-weight: 700; font-size: 1.05rem; color: var(--card-fg); text-decoration: none;
  border-bottom: 1px solid var(--border); }
.pdash-brand img { height: 30px; max-width: 170px; object-fit: contain; }
.pdash-nav { flex: 1; overflow-y: auto; padding: .85rem .7rem; }
.pdash-group { font-size: .68rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--muted-fg); padding: .9rem .6rem .4rem; }
.pdash-group:first-child { padding-top: .2rem; }
.pdash-link { display: flex; align-items: center; gap: .6rem; padding: .56rem .55rem; border-radius: 9px;
  color: #444a54; font-size: .89rem; font-weight: 500; text-decoration: none; position: relative; }
.pdash-link:hover { background: #f2f3f5; }
.pdash-link.active { background: var(--primary-soft); color: var(--card-fg); font-weight: 600; }
.pdash-link.active .pdash-ico-wrap { color: var(--card-fg); }
.pdash-ico-wrap { display: inline-flex; color: #6b7280; }
.pdash-ico-wrap svg { width: 18px; height: 18px; }
.pdash-link-label { flex: 1; white-space: nowrap; }
.pdash-link.soon { color: #9aa1ab; cursor: default; }
.pdash-soon { font-size: .58rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase;
  background: #fef3c7; color: #b45309; border: 1px solid #fde68a; border-radius: 5px; padding: .12rem .3rem; }
.pdash-side-foot { padding: .7rem; border-top: 1px solid var(--border); }

.pdash-main { flex: 1; min-width: 0; display: flex; flex-direction: column; }
.pdash-top { height: 60px; display: flex; align-items: center; gap: .85rem; padding: 0 1.4rem;
  background: #fff; border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 20; }
.pdash-title { font-size: 1.15rem; font-weight: 700; margin: 0; flex: 1; }
.pdash-burger { display: none; cursor: pointer; color: #4b5563; }
.pdash-burger svg { width: 22px; height: 22px; }
.pdash-top-right { display: flex; align-items: center; gap: .3rem; }
.pdash-ico { width: 38px; height: 38px; display: inline-flex; align-items: center; justify-content: center;
  border: none; background: transparent; border-radius: 9px; color: #5b626d; cursor: pointer; }
.pdash-ico:hover { background: #f2f3f5; }
.pdash-ico svg { width: 19px; height: 19px; }
html[data-theme="light"] .pdash-ico .ic-sun, html[data-theme="dark"] .pdash-ico .ic-moon { display: none; }
.pdash-menu { position: relative; }
.pdash-menu > summary { list-style: none; }
.pdash-menu > summary::-webkit-details-marker { display: none; }
.pdash-menu-pop { position: absolute; right: 0; top: 46px; background: #fff; border: 1px solid var(--border);
  border-radius: 12px; box-shadow: 0 12px 30px rgba(0,0,0,.12); min-width: 210px; padding: .4rem; z-index: 40; }
.pdash-menu-pop .hd { font-size: .76rem; color: var(--muted-fg); padding: .5rem .6rem; border-bottom: 1px solid var(--border); margin-bottom: .3rem; word-break: break-all; }
.pdash-menu-pop a { display: block; padding: .5rem .6rem; border-radius: 8px; color: var(--card-fg); text-decoration: none; font-size: .88rem; }
.pdash-menu-pop a:hover { background: #f2f3f5; }
.pdash-content { padding: 1.6rem; max-width: 1320px; width: 100%; margin: 0 auto; }
.pdash-scrim { display: none; }

@media (max-width: 920px) {
  .pdash-side { position: fixed; z-index: 60; transform: translateX(-100%); transition: transform .2s; }
  #pdash-side-toggle:checked ~ .pdash-shell .pdash-side { transform: translateX(0); }
  #pdash-side-toggle:checked ~ .pdash-shell .pdash-scrim { display: block; position: fixed; inset: 0; background: rgba(0,0,0,.4); z-index: 50; }
  .pdash-burger { display: inline-flex; }
}

/* ── dashboard content ─────────────────────────────────────── */
.muted-s { color: var(--muted-fg); font-size: .8rem; }
.cdash-card { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 1.25rem 1.3rem; margin-bottom: 1.1rem; }
.cdash-h { font-size: 1.05rem; font-weight: 700; margin: 0 0 .15rem; }
.cdash-sub { color: var(--muted-fg); font-size: .85rem; margin: .1rem 0 1rem; }
.cdash-btn { display: inline-block; background: var(--primary); color: var(--primary-fg); font-weight: 600;
  padding: .6rem 1.2rem; border-radius: 9px; text-decoration: none; font-size: .9rem; }

.cdash-empty { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 3rem 1.5rem; text-align: center; }
.cdash-empty-ico { width: 56px; height: 56px; margin: 0 auto 1rem; border-radius: 50%; background: var(--primary-soft);
  display: flex; align-items: center; justify-content: center; color: var(--primary); }
.cdash-empty-ico svg { width: 26px; height: 26px; }
.cdash-empty h2 { margin: 0 0 .3rem; font-size: 1.15rem; }
.cdash-empty p { color: var(--muted-fg); margin: 0 0 1.2rem; }

/* KPI strip */
.cdash-kpis { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; margin-bottom: 1.1rem; }
.cdash-kpi { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 1.1rem 1.15rem;
  display: flex; flex-direction: column; gap: .15rem; }
.cdash-kpi .k-t { font-size: .68rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted-fg); }
.cdash-kpi .k-v { font-size: 1.7rem; font-weight: 700; margin-top: .2rem; }
.cdash-kpi .k-s { font-size: .76rem; color: var(--muted-fg); }

/* overview + side */
.cdash-row { display: grid; grid-template-columns: 2fr 1fr; gap: 1.1rem; margin-bottom: 0; align-items: start; }
.cdash-overview { margin-bottom: 1.1rem; }
.cdash-tabs { display: flex; gap: 1.4rem; border-bottom: 1px solid var(--border); margin: .9rem 0 1rem; }
.cdash-tab { background: none; border: none; cursor: pointer; padding: 0 0 .65rem; font-size: .9rem; font-weight: 600;
  color: var(--muted-fg); border-bottom: 2px solid transparent; margin-bottom: -1px; display: flex; align-items: center; gap: .45rem; }
.cdash-tab.active { color: var(--primary); border-bottom-color: var(--primary); }
.cdash-dot { width: 9px; height: 9px; border-radius: 50%; display: inline-block; }
.cdash-blogo { height: 20px; width: auto; max-width: 130px; object-fit: contain; display: inline-block; }
/* Experian + TransUnion wordmarks have smaller text than the bold EQUIFAX one,
   so give them more height to read at the same visual weight. */
.cdash-blogo.blogo-equifax { height: 15px; }
.cdash-blogo.blogo-experian { height: 24px; }
.cdash-blogo.blogo-transunion { height: 34px; }
.bd-experian { background: #1d4f91; } .bd-equifax { background: #9b1b30; } .bd-transunion { background: #00a4bd; }
.cdash-panel.hidden { display: none; }
.cdash-score-row { display: flex; justify-content: space-between; align-items: flex-start; }
.cdash-score { font-size: 3.1rem; font-weight: 800; line-height: 1; letter-spacing: -.02em; }
.cdash-score-sub { color: var(--muted-fg); font-size: .8rem; margin-top: .4rem; }
.cdash-score-right { text-align: right; display: flex; flex-direction: column; gap: .35rem; align-items: flex-end; }
.cdash-fico { font-size: .74rem; color: var(--muted-fg); }
.cdash-rating { display: inline-flex; align-items: center; gap: .4rem; font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .03em; padding: .25rem .55rem; border-radius: 999px; border: 1px solid; }
.cdash-rdot { width: 7px; height: 7px; border-radius: 50%; background: currentColor; }
.r-exc, .r-exceptional, .r-good { color: #15803d; background: #dcfce7; border-color: #bbf7d0; }
.r-fair { color: #b45309; background: #fef3c7; border-color: #fde68a; }
.r-poor { color: #b91c1c; background: #fee2e2; border-color: #fecaca; }
.r-na { color: var(--muted-fg); background: var(--muted); border-color: var(--border); }
.cdash-score-foot { display: flex; align-items: center; gap: .6rem; flex-wrap: wrap; margin-top: 1rem; }
.cdash-delta { font-size: .76rem; font-weight: 700; padding: .2rem .5rem; border-radius: 6px; }
.cdash-delta.up { color: #15803d; background: #dcfce7; } .cdash-delta.down { color: #b91c1c; background: #fee2e2; }
.cdash-refresh { margin-left: auto; display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 600;
  color: var(--card-fg); border: 1px solid var(--border); border-radius: 8px; padding: .42rem .8rem; text-decoration: none; }
.cdash-refresh:hover { border-color: var(--primary); color: var(--primary); }
.cdash-refresh svg { width: 15px; height: 15px; }

.cdash-chart { margin-top: 1.3rem; border-top: 1px solid var(--border); padding-top: 1rem; }
.cdash-chart-h { font-size: .92rem; font-weight: 700; margin-bottom: .6rem; }
.cdash-svg { width: 100%; height: 210px; overflow: visible; }
.cdash-legend { display: flex; justify-content: center; gap: 1.6rem; margin-top: .7rem; padding-top: .7rem; border-top: 1px solid var(--border); }
.cdash-leg { display: inline-flex; align-items: center; gap: .4rem; font-size: .82rem; color: var(--muted-fg); }
.cdash-leg b { color: var(--card-fg); }
.cdash-chart-note { text-align: center; color: var(--muted-fg); font-size: .78rem; margin: .7rem 0 0; }

.cdash-side { display: flex; flex-direction: column; gap: 1rem; }
.cdash-metric { background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 1rem 1.15rem; display: flex; flex-direction: column; gap: .1rem; }
.cdash-metric .m-t { font-size: .68rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted-fg); }
.cdash-metric .m-v { font-size: 1.55rem; font-weight: 700; }
.cdash-metric .m-s { font-size: .76rem; color: var(--muted-fg); }
.cdash-alerts { margin-bottom: 0; }
.cdash-alerts .m-t { font-size: .68rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted-fg); }
.cdash-alert-list { display: flex; flex-direction: column; gap: .7rem; margin-top: .7rem; }
.cdash-alert { display: flex; gap: .6rem; align-items: flex-start; font-size: .85rem; }
.a-dot { width: 8px; height: 8px; border-radius: 50%; margin-top: .35rem; flex-shrink: 0; }
.a-warn { background: #f59e0b; } .a-info { background: #3b82f6; } .a-ok { background: #16a34a; }

/* debt summary */
.cdash-debt { display: flex; gap: 2rem; align-items: center; flex-wrap: wrap; }
.cdash-donut { width: 150px; height: 150px; flex-shrink: 0; }
.cdash-donut .d-cap { font-size: 8px; fill: var(--muted-fg); font-weight: 600; letter-spacing: .04em; }
.cdash-donut .d-tot { font-size: 15px; fill: var(--card-fg); font-weight: 800; }
.cdash-debt-list { flex: 1; min-width: 260px; }
.cdash-debt-row { display: flex; align-items: center; gap: .7rem; padding: .7rem 0; border-bottom: 1px solid var(--border); }
.cdash-debt-row:last-child { border-bottom: none; }
.cdash-sq { width: 11px; height: 11px; border-radius: 3px; flex-shrink: 0; }
.cdash-debt-row .d-label { flex: 1; font-size: .88rem; font-weight: 500; }
.cdash-debt-row .d-amt { font-weight: 700; font-size: .9rem; }

/* accounts */
.cdash-accounts-head { margin: 1.6rem 0 1rem; display: flex; justify-content: space-between; align-items: flex-end; gap: 1rem; }
.cdash-accounts-head h2 { margin: 0; font-size: 1.15rem; }
.cdash-download { display: inline-flex; align-items: center; gap: .4rem; flex: none; padding: .5rem .8rem; border: 1px solid var(--border, #2a3340); border-radius: 8px; font-size: .85rem; font-weight: 600; color: var(--primary, #fab505); text-decoration: none; white-space: nowrap; }
.cdash-download:hover { background: color-mix(in srgb, var(--primary) 10%, transparent); }
.cdash-download svg { width: 16px; height: 16px; }
.cdash-acct-h { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: .3rem; }
.cdash-acct-h h3 { margin: 0; font-size: 1rem; font-weight: 700; }
.cdash-usage { margin: .8rem 0 1rem; }
.u-pct { font-size: 1.5rem; font-weight: 800; } .u-pct span { font-size: .85rem; font-weight: 400; color: var(--muted-fg); }
.u-meta { display: flex; justify-content: space-between; font-size: .78rem; color: var(--muted-fg); margin: .4rem 0 .35rem; }
.u-bar { height: 9px; background: var(--muted); border-radius: 999px; overflow: hidden; }
.u-fill { height: 100%; background: #16a34a; border-radius: 999px; } .u-fill.hot { background: #dc2626; }
.cdash-acct { border-top: 1px solid var(--border); padding: .25rem 0; }
.cdash-acct summary { list-style: none; cursor: pointer; padding: .7rem 0 .2rem; }
.cdash-acct summary::-webkit-details-marker { display: none; }
.cdash-acct summary > .a-name { font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: .02em; }
.cdash-acct summary { display: flex; justify-content: space-between; align-items: center; }
.a-right { display: flex; align-items: center; gap: .5rem; }
.a-chev { width: 18px; height: 18px; color: var(--muted-fg); transition: transform .15s; }
.cdash-acct[open] .a-chev { transform: rotate(180deg); }
.cdash-chip { font-size: .6rem; font-weight: 800; text-transform: uppercase; padding: .12rem .4rem; border-radius: 5px; }
.cdash-chip.closed { color: #b91c1c; background: #fee2e2; border: 1px solid #fecaca; }
.a-quick { display: flex; justify-content: space-between; font-size: .85rem; color: var(--muted-fg); padding: .1rem 0 .6rem; }
.a-quick b { color: var(--card-fg); }
.a-detail { display: grid; grid-template-columns: 1fr 1fr; gap: .7rem 1.5rem; background: #f7f8f9; border-radius: 10px; padding: .9rem 1rem; margin-bottom: .5rem; }
.a-detail > div { display: flex; flex-direction: column; }
.a-detail span { font-size: .72rem; color: var(--muted-fg); } .a-detail b { font-size: .86rem; }
.s-cur { color: #15803d; } .s-paid { color: var(--muted-fg); } .s-neg { color: #b91c1c; }

/* score ingredients */
.cdash-factor { border-top: 1px solid var(--border); padding: .55rem 0; }
.cdash-factor:first-of-type { border-top: none; }
.cdash-factor summary { list-style: none; cursor: pointer; }
.cdash-factor summary::-webkit-details-marker { display: none; }
.f-head { display: flex; justify-content: space-between; align-items: center; }
.f-label { font-size: .9rem; font-weight: 600; }
.f-right { display: flex; align-items: center; gap: .6rem; }
.f-bar { height: 6px; background: var(--muted); border-radius: 999px; overflow: hidden; margin-top: .5rem; }
.f-fill { height: 100%; border-radius: 999px; }
.f-fill.s-exceptional, .f-fill.s-good { background: #16a34a; } .f-fill.s-fair { background: #d97706; } .f-fill.s-poor { background: #dc2626; }
.f-body { padding: .9rem 0 .4rem; }
.f-status p { margin: .35rem 0 0; font-size: .88rem; }
.f-tips { margin-top: .9rem; }
.f-tip { display: flex; align-items: flex-start; gap: .5rem; font-size: .83rem; color: #4b5563; margin-top: .45rem; }
.f-tip svg { width: 15px; height: 15px; color: #16a34a; flex-shrink: 0; margin-top: .1rem; }

@media (max-width: 980px) {
  .cdash-kpis { grid-template-columns: repeat(2, 1fr); }
  .cdash-row { grid-template-columns: 1fr; }
}


/* ============================================================================
   One-time access-fee / unlock page — compact, in the .cauth registration style.
   ============================================================================ */
.cauth .cfee-card { text-align: left; }
.cauth .cfee-card + .cfee-card { margin-top: 1rem; }
.cfee-shield { width: 46px; height: 46px; margin: 0 auto .9rem; border-radius: 50%;
  background: var(--primary-soft); color: var(--primary); display: flex; align-items: center; justify-content: center; }
.cfee-shield svg { width: 24px; height: 24px; }
.cauth .cfee-card .cauth-card-h { text-align: center; }
.cfee-price { text-align: center; font-size: 2.1rem; font-weight: 800; letter-spacing: -.02em; line-height: 1; margin: .2rem 0 1.1rem; color: #0f172a; }
.cfee-price span { font-size: .85rem; font-weight: 500; color: var(--muted-fg); margin-left: .3rem; }

.cfee-incl { background: #f4f6f8; border: 1px solid #eef0f3; border-radius: 12px; padding: .9rem 1rem; margin-bottom: 1.1rem; }
.cfee-incl-h { font-size: .66rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; color: var(--muted-fg); margin-bottom: .5rem; }
.cfee-incl-item { display: flex; align-items: center; gap: .7rem; padding: .38rem 0; font-size: .9rem; font-weight: 600; color: #1f2733; }
.cfee-incl-ic { width: 28px; height: 28px; border-radius: 50%; background: var(--primary-soft); color: var(--primary);
  display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }
.cfee-incl-ic svg { width: 15px; height: 15px; }

.cfee-btn { width: 100%; margin-top: 1rem; padding: .8rem 1rem; border: none; border-radius: 10px;
  background: var(--primary); color: var(--primary-fg); font-size: .92rem; font-weight: 700; cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem; }
.cfee-btn svg { width: 16px; height: 16px; }
.cfee-btn:disabled { opacity: .5; cursor: not-allowed; }
.cfee-btn:not(:disabled):hover { filter: brightness(.96); }

.cfee-pay-h { display: flex; align-items: center; gap: .55rem; font-size: 1.02rem; font-weight: 700; margin-bottom: 1rem; }
.cfee-pay-h svg { width: 19px; height: 19px; color: var(--primary); }
.cauth .cfee-pay label { font-size: .82rem; font-weight: 600; color: #475569; }
.cfee-cardno { position: relative; display: block; }
.cfee-cardno svg { position: absolute; right: .8rem; top: 50%; transform: translateY(-50%); width: 15px; height: 15px; color: var(--muted-fg); pointer-events: none; }
.cfee-cardno input { padding-right: 2.3rem; }
.cfee-row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: .7rem; }
.cfee-secure { display: flex; align-items: center; justify-content: center; gap: .4rem; color: var(--muted-fg); font-size: .76rem; margin: .9rem 0 0; }
.cfee-secure svg { width: 14px; height: 14px; color: #16a34a; }

/* widget info icon + hover/focus tooltip (credit-overview spec §1) */
.cdash-info { position: relative; display: inline-flex; align-items: center; justify-content: center;
  width: 17px; height: 17px; padding: 0; border: none; background: none; color: #9aa3af; cursor: help;
  vertical-align: middle; margin-left: .15rem; }
.cdash-info svg { width: 15px; height: 15px; }
.cdash-info:hover { color: var(--card-fg); }
.cdash-tip { position: absolute; bottom: calc(100% + 9px); left: 50%; transform: translateX(-50%);
  width: 230px; max-width: 70vw; background: #fff; border: 1px solid var(--border); border-radius: 9px;
  box-shadow: 0 10px 28px rgba(0,0,0,.16); padding: .55rem .7rem; font-size: .73rem; font-weight: 400;
  line-height: 1.45; color: var(--card-fg); text-align: left; text-transform: none; letter-spacing: normal;
  white-space: normal; opacity: 0; visibility: hidden; transition: opacity .14s; z-index: 60; pointer-events: none; }
.cdash-tip::after { content: ""; position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  border: 6px solid transparent; border-top-color: #fff; }
.cdash-info:hover .cdash-tip, .cdash-info:focus .cdash-tip, .cdash-info:focus-visible .cdash-tip { opacity: 1; visibility: visible; }
.cdash-next { font-size: .72rem; color: var(--muted-fg); margin-top: .15rem; }

/* ============================================================================
   Applications list page (.apps-*) — Business/Personal tabs, month-grouped rows.
   ============================================================================ */
.apps-head { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin: .4rem 0 1rem; flex-wrap: wrap; }
.apps-head h2 { margin: 0; font-size: 1.2rem; font-weight: 700; }
.apps-head-right { display: flex; align-items: center; gap: .8rem; }
.apps-new { display: inline-flex; align-items: center; gap: .45rem; background: var(--primary); color: var(--primary-fg);
  border: none; border-radius: 9px; padding: .5rem .9rem; font-size: .85rem; font-weight: 700; cursor: pointer; }
.apps-new:hover { filter: brightness(.96); }
.apps-new svg { width: 15px; height: 15px; }
.apps-refresh { display: inline-flex; align-items: center; gap: .4rem; font-size: .85rem; color: var(--muted-fg); }
.apps-refresh b { color: var(--card-fg); } .apps-refresh svg { width: 15px; height: 15px; }

.apps-tabs { display: inline-flex; gap: .25rem; background: #eef0f2; border: 1px solid var(--border); border-radius: 10px; padding: .25rem; margin-bottom: 1rem; }
.apps-tab { display: inline-flex; align-items: center; gap: .45rem; background: none; border: none; border-radius: 7px;
  padding: .42rem .9rem; font-size: .85rem; font-weight: 600; color: var(--muted-fg); cursor: pointer; }
.apps-tab svg { width: 15px; height: 15px; }
.apps-tab.active { background: #fff; color: var(--card-fg); box-shadow: 0 1px 2px rgba(0,0,0,.08); }
.apps-count { display: inline-flex; align-items: center; justify-content: center; min-width: 18px; height: 18px;
  padding: 0 5px; border-radius: 999px; background: #dc2626; color: #fff; font-size: .68rem; font-weight: 800; }

.apps-card { padding: 0; overflow: hidden; }
.apps-table { width: 100%; }
.apps-trow { display: grid; grid-template-columns: 2fr 1.4fr .8fr .9fr; align-items: center; gap: 1rem;
  padding: 1rem 1.3rem; border-top: 1px solid var(--border); }
.apps-table.no-biz .apps-trow { grid-template-columns: 2fr .8fr .9fr; }
.apps-thead { border-top: none; background: #f4f6f8; padding-top: .7rem; padding-bottom: .7rem; }
.apps-thead span { font-size: .68rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted-fg); }
.apps-month { background: #fafbfc; border-top: 1px solid var(--border); padding: .5rem 1.3rem;
  font-size: .68rem; font-weight: 700; letter-spacing: .06em; color: var(--muted-fg); }
.apps-app { display: flex; align-items: center; gap: .7rem; flex-wrap: wrap; }
.apps-view { background: var(--primary); color: var(--primary-fg); text-decoration: none; font-size: .78rem; font-weight: 700;
  padding: .42rem .8rem; border-radius: 8px; white-space: nowrap; }
.apps-view:hover { filter: brightness(.96); }
.apps-ref { font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: .82rem; color: var(--muted-fg); }
.apps-new-badge { background: #16a34a; color: #fff; font-size: .62rem; font-weight: 800; letter-spacing: .03em; padding: .12rem .4rem; border-radius: 5px; }
.apps-biz { display: flex; flex-direction: column; line-height: 1.3; }
.apps-biz b { font-size: .88rem; } .apps-biz em { font-style: normal; font-size: .74rem; color: var(--muted-fg); }
.apps-date { font-size: .86rem; }
.apps-status { display: inline-block; font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .03em;
  padding: .28rem .6rem; border-radius: 999px; border: 1px solid; }
.s-complete { color: #15803d; background: #f0fdf4; border-color: #bbf7d0; }
.s-pending { color: #b45309; background: #fffbeb; border-color: #fde68a; }
.s-ongoing { color: #1d4ed8; background: #eff6ff; border-color: #bfdbfe; }
.apps-none { padding: 2.4rem 1.3rem; text-align: center; color: var(--muted-fg); border-top: 1px solid var(--border); }
.apps-foot { font-size: .78rem; color: var(--muted-fg); margin: .7rem 0 1.4rem; }

/* New application modal */
.apps-modal { position: fixed; inset: 0; z-index: 80; display: flex; align-items: center; justify-content: center; padding: 1rem; }
.apps-modal[hidden] { display: none; }
.apps-modal-scrim { position: absolute; inset: 0; background: rgba(15,23,42,.45); }
.apps-modal-card { position: relative; background: #fff; border-radius: 16px; width: 100%; max-width: 440px; padding: 1.4rem 1.5rem 1.5rem; box-shadow: 0 20px 50px rgba(0,0,0,.25); }
.apps-modal-head { display: flex; align-items: center; justify-content: space-between; }
.apps-modal-head h3 { margin: 0; font-size: 1.15rem; font-weight: 700; }
.apps-modal-x { background: none; border: none; color: var(--muted-fg); cursor: pointer; padding: .2rem; }
.apps-modal-x svg { width: 20px; height: 20px; }
.apps-opt { border: 1px solid var(--border); border-radius: 12px; padding: 1rem; margin-top: .9rem; }
.apps-opt-h { display: flex; align-items: center; gap: .5rem; font-weight: 700; font-size: .9rem; margin-bottom: .7rem; }
.apps-opt-h svg { width: 17px; height: 17px; color: var(--primary); }
.apps-opt select { width: 100%; margin-bottom: .7rem; padding: .6rem .7rem; border: 1px solid var(--border); border-radius: 9px; background: #f7f8f9; font-size: .88rem; }
.apps-opt .cfee-btn { margin-top: 0; }
.apps-decline { background: none; border: none; padding: 0; font: inherit; font-size: .82rem; font-weight: 600; color: var(--primary); text-decoration: underline; cursor: pointer; }

@media (max-width: 760px) {
  .apps-trow, .apps-table.no-biz .apps-trow { grid-template-columns: 1fr; gap: .4rem; }
  .apps-thead { display: none; }
}

/* ============================================================================
   Application detail — waves experience (.aw-*). Demo on staging; the real
   engine view reuses .apps-* + .cdash-card. Brand --primary for active/selected.
   ============================================================================ */
.aw-back { display: inline-flex; align-items: center; gap: .4rem; color: #4b5563; text-decoration: none; font-size: .88rem; font-weight: 600; margin-bottom: 1rem; padding: .4rem .7rem; border: 1px solid var(--border); border-radius: 9px; background: #fff; }
.aw-back:hover { border-color: var(--primary); color: var(--primary); }
.aw-back svg { width: 16px; height: 16px; }
.aw-head { display: flex; align-items: center; gap: .8rem; flex-wrap: wrap; margin-bottom: 1.1rem; }
.aw-ref { margin: 0; font-size: 1.2rem; font-weight: 800; }
.aw-howbtn { display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 600; border: 1px solid var(--border); background: #fff; border-radius: 8px; padding: .4rem .7rem; cursor: pointer; color: var(--card-fg); }
.aw-howbtn svg { width: 15px; height: 15px; }
.aw-howpop { background: #fff; border: 1px solid var(--border); border-radius: 12px; box-shadow: 0 10px 28px rgba(0,0,0,.12); padding: 1rem 1.1rem; max-width: 360px; margin-bottom: 1rem; }
.aw-howpop h4 { margin: 0 0 .4rem; font-size: .92rem; } .aw-howpop p { margin: 0; font-size: .82rem; color: var(--muted-fg); line-height: 1.5; }
.aw-summary { display: flex; align-items: center; gap: .5rem; flex-wrap: wrap; margin-left: auto; }
.aw-badge { font-size: .76rem; font-weight: 700; padding: .28rem .6rem; border-radius: 999px; border: 1px solid; }
.b-app { color: #15803d; background: #f0fdf4; border-color: #bbf7d0; }
.b-dec { color: #b91c1c; background: #fef2f2; border-color: #fecaca; }
.b-proc { color: #b45309; background: #fffbeb; border-color: #fde68a; }
.b-amt { color: #1d4ed8; background: #eff6ff; border-color: #bfdbfe; }
.aw-coview { display: inline-flex; align-items: center; gap: .4rem; background: var(--primary); color: var(--primary-fg); border: none; border-radius: 8px; padding: .42rem .8rem; font-size: .8rem; font-weight: 700; cursor: pointer; }
.aw-coview svg { width: 15px; height: 15px; }

/* stepper */
.aw-stepper { display: flex; align-items: stretch; gap: 0; margin-bottom: 1rem; }
.aw-step { flex: 1; display: flex; align-items: center; gap: .65rem; border: 2px solid var(--border); border-radius: 13px; padding: .8rem .9rem; background: #fff; }
.aw-step.selecting, .aw-step.processing { border-color: var(--primary); background: var(--primary-soft); }
.aw-step.results { border-color: #bbf7d0; background: #f0fdf4; cursor: pointer; }
.aw-step.locked { border-color: var(--border); background: #f6f7f8; opacity: .6; }
.aw-step-dot { width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-size: .8rem; font-weight: 800; background: var(--muted); color: var(--muted-fg); }
.aw-step.selecting .aw-step-dot, .aw-step.processing .aw-step-dot { background: var(--primary); color: var(--primary-fg); }
.aw-step.results .aw-step-dot { background: #16a34a; color: #fff; }
.aw-step-dot svg { width: 15px; height: 15px; }
.aw-step-t { min-width: 0; line-height: 1.25; } .aw-step-t b { font-size: .88rem; display: block; } .aw-step-t span { font-size: .72rem; color: var(--muted-fg); }
.aw-step.results .aw-step-t b { color: #15803d; }
.aw-step-chev { width: 16px; height: 16px; margin-left: auto; color: #16a34a; transition: transform .15s; flex-shrink: 0; }
.aw-step-chev.open { transform: rotate(180deg); }
.aw-conn { width: 22px; height: 2px; background: var(--border); align-self: center; flex-shrink: 0; }
.aw-conn.on { background: #4ade80; }

/* active wave */
.aw-wave { border: 2px solid var(--primary); border-radius: 14px; overflow: hidden; margin-bottom: .9rem; background: #fff; }
.aw-wave.processing { border-color: #fcd34d; } .aw-wave.results { border-color: #bbf7d0; }
.aw-wave-head { display: flex; align-items: center; gap: .8rem; padding: 1rem 1.2rem; background: var(--primary-soft); }
.aw-wave-head.processing { background: #fffbeb; } .aw-wave-head.results { background: #f0fdf4; }
.aw-wave-num { width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0; display: flex; align-items: center; justify-content: center; font-weight: 800; background: var(--primary); color: var(--primary-fg); }
.aw-wave-head.processing .aw-wave-num { background: #f59e0b; color: #fff; } .aw-wave-head.results .aw-wave-num { background: #16a34a; color: #fff; }
.aw-wave-num svg { width: 17px; height: 17px; }
.aw-wave-head h3 { margin: 0; font-size: 1rem; font-weight: 700; } .aw-wave-head p { margin: .1rem 0 0; font-size: .76rem; color: var(--muted-fg); }
.aw-wave-tag { font-size: .76rem; font-weight: 400; color: var(--muted-fg); }
.aw-wave-tag.processing { color: #b45309; } .aw-wave-tag.results { color: #15803d; }

/* selecting */
.aw-sel-top { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .9rem 1.2rem; background: #f0f7ff; border-top: 1px solid var(--border); }
.aw-sel-top b { font-size: .9rem; } .aw-sel-top p { margin: .15rem 0 0; font-size: .76rem; color: var(--muted-fg); }
.aw-selall { background: none; border: none; color: var(--primary); font-size: .8rem; font-weight: 700; cursor: pointer; }
.aw-lrow { display: flex; align-items: center; gap: 1rem; padding: .85rem 1.2rem; border-top: 1px solid var(--border); cursor: pointer; }
.aw-lrow.on { background: #f0fdf4; } .aw-lrow:hover { background: #f9fafb; } .aw-lrow.on:hover { background: #ecfdf3; }
.aw-check { width: 20px; height: 20px; border-radius: 6px; border: 2px solid #cbd0d8; flex-shrink: 0; display: flex; align-items: center; justify-content: center; color: #fff; }
.aw-check.on { background: var(--primary); border-color: var(--primary); }
.aw-check svg { width: 13px; height: 13px; }
.aw-lname { flex: 1; font-size: .9rem; font-weight: 600; display: flex; align-items: center; gap: .5rem; }
.aw-lbadges { display: flex; gap: .5rem; flex-shrink: 0; }
.aw-viewlender { display: inline-flex; align-items: center; gap: .25rem; font-size: .68rem; font-weight: 700; color: var(--primary); background: var(--primary-soft); border: 1px solid color-mix(in srgb, var(--primary) 30%, transparent); border-radius: 999px; padding: .12rem .5rem; text-decoration: none; }
.aw-viewlender svg { width: 11px; height: 11px; }
.aw-pull { font-size: .66rem; font-weight: 800; text-transform: uppercase; letter-spacing: .03em; padding: .18rem .5rem; border-radius: 999px; border: 1px solid; white-space: nowrap; }
.aw-pull.soft { color: #15803d; background: #f0fdf4; border-color: #bbf7d0; } .aw-pull.hard { color: #b91c1c; background: #fef2f2; border-color: #fecaca; }
.aw-cat { font-size: .66rem; font-weight: 800; text-transform: uppercase; letter-spacing: .03em; padding: .18rem .5rem; border-radius: 999px; border: 1px solid; white-space: nowrap; }
.cat-prime { color: #15803d; background: #f0fdf4; border-color: #bbf7d0; } .cat-near { color: #b45309; background: #fffbeb; border-color: #fde68a; }
.cat-mca { color: #7c3aed; background: #f5f3ff; border-color: #ddd6fe; } .cat-rbf { color: #0f766e; background: #f0fdfa; border-color: #99f6e4; }
.cat-bnpl { color: #0891b2; background: #ecfeff; border-color: #a5f3fc; } .cat-sba { color: #c2410c; background: #fff7ed; border-color: #fed7aa; }
.aw-sel-foot { display: flex; align-items: center; justify-content: space-between; padding: 1rem 1.2rem; background: #f7f8f9; border-top: 1px solid var(--border); }
.aw-sel-foot span { font-size: .78rem; color: var(--muted-fg); }
.aw-apply { display: inline-flex; align-items: center; gap: .45rem; background: var(--primary); color: var(--primary-fg); border: none; border-radius: 9px; padding: .6rem 1rem; font-size: .85rem; font-weight: 700; cursor: pointer; }
.aw-apply:disabled { opacity: .5; cursor: not-allowed; } .aw-apply svg { width: 15px; height: 15px; }

/* processing console */
.aw-proc { padding: 1.4rem 1.2rem; }
.aw-proc-card { border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.aw-proc-head { display: flex; align-items: center; gap: .7rem; padding: .9rem 1rem .8rem; }
.aw-bot { width: 34px; height: 34px; border-radius: 9px; background: var(--primary-soft); color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.aw-bot svg { width: 19px; height: 19px; }
.aw-bot-t { font-size: .64rem; font-weight: 800; letter-spacing: .07em; color: var(--muted-fg); }
.aw-bot-l { font-size: .92rem; font-weight: 700; }
.aw-proc-pct { margin-left: auto; font-size: .82rem; font-weight: 700; color: var(--primary); }
.aw-proc-bar { height: 3px; background: var(--muted); } .aw-proc-bar div { height: 100%; background: var(--primary); transition: width .4s; }
.aw-proc-lines { padding: 1rem; display: flex; flex-direction: column; gap: .7rem; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; }
.aw-ln { display: flex; align-items: flex-start; gap: .6rem; font-size: .82rem; color: #4b5563; }
.aw-ln.active { color: var(--card-fg); }
.aw-ln-ic { width: 16px; height: 16px; flex-shrink: 0; margin-top: .1rem; } .aw-ln-ic.done { color: #16a34a; }
.aw-spin { width: 15px; height: 15px; border-radius: 50%; border: 2px solid var(--primary-soft); border-top-color: var(--primary); animation: aw-spin .7s linear infinite; flex-shrink: 0; margin-top: .1rem; display: inline-block; }
.aw-spin.big { width: 30px; height: 30px; border-width: 3px; }
@keyframes aw-spin { to { transform: rotate(360deg); } }
.aw-upnext { padding: .7rem 1rem; border-top: 1px solid var(--border); font-size: .68rem; font-weight: 700; letter-spacing: .04em; color: var(--muted-fg); display: flex; align-items: center; gap: .5rem; flex-wrap: wrap; }
.aw-chip { font-family: inherit; font-size: .72rem; font-weight: 600; letter-spacing: 0; background: var(--muted); color: var(--card-fg); border-radius: 999px; padding: .15rem .6rem; }

/* results table */
.aw-results { }
.aw-rrow { display: grid; grid-template-columns: 1.5fr 90px 70px 100px 120px minmax(120px,1fr) 50px; gap: .8rem; align-items: center; padding: .85rem 1.2rem; border-top: 1px solid var(--border); }
.aw-login { display: flex; flex-direction: column; gap: 1px; min-width: 0; font-family: ui-monospace, Menlo, monospace; font-size: .74rem; }
.aw-login-u, .aw-login-p { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.aw-login-p { color: var(--muted-fg); }
.aw-rhead { background: var(--primary); color: var(--primary-fg); }
.aw-rhead span { font-size: .66rem; font-weight: 800; text-transform: uppercase; letter-spacing: .04em; }
.aw-rl { display: flex; align-items: center; gap: .6rem; font-size: .86rem; min-width: 0; }
.aw-rdot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.d-app { background: #16a34a; } .d-dec { background: #dc2626; } .d-con { background: #f59e0b; }
.aw-amt { font-size: .86rem; font-weight: 600; color: #9aa1ad; } .aw-amt.has { color: #15803d; }
.aw-out { font-size: .66rem; font-weight: 800; text-transform: uppercase; padding: .2rem .5rem; border-radius: 999px; border: 1px solid; width: fit-content; }
.o-app { color: #15803d; background: #f0fdf4; border-color: #bbf7d0; } .o-dec { color: #b91c1c; background: #fef2f2; border-color: #fecaca; } .o-con { color: #c2410c; background: #fff7ed; border-color: #fed7aa; }
.aw-proof { width: 30px; height: 30px; border: 1px solid var(--border); border-radius: 7px; display: flex; align-items: center; justify-content: center; color: #cbd0d8; overflow: hidden; }
.aw-proof.has { padding: 0; cursor: zoom-in; }
.aw-proof.has:hover { border-color: var(--primary); }
.aw-proof img { width: 100%; height: 100%; object-fit: cover; display: block; }
.aw-proof svg { width: 15px; height: 15px; }
.aw-skip { padding: .7rem 1.2rem; background: #f7f8f9; border-top: 1px solid var(--border); font-size: .76rem; color: var(--muted-fg); }

/* completed collapsed + locked */
.aw-done { border: 1px solid #bbf7d0; border-radius: 12px; overflow: hidden; margin-bottom: .9rem; background: #fff; }
.aw-done-sum { width: 100%; display: flex; align-items: center; gap: .6rem; padding: .85rem 1.1rem; background: none; border: none; cursor: pointer; text-align: left; }
.aw-done-sum:hover { background: #f0fdf4; }
.aw-done-chk { width: 17px; height: 17px; color: #16a34a; flex-shrink: 0; } .aw-done-sum b { font-size: .88rem; }
.aw-dash { color: var(--muted-fg); } .aw-done-app { font-size: .78rem; font-weight: 600; color: #15803d; } .aw-done-dec { font-size: .78rem; font-weight: 600; color: #dc2626; }
.aw-done-sum .aw-step-chev { color: var(--muted-fg); }
.aw-locked { display: flex; align-items: center; gap: .7rem; border: 1px solid var(--border); border-radius: 12px; background: #f6f7f8; padding: .85rem 1.1rem; opacity: .6; margin-bottom: .9rem; }
.aw-lock-ic { width: 26px; height: 26px; border-radius: 50%; background: var(--muted); display: flex; align-items: center; justify-content: center; color: var(--muted-fg); flex-shrink: 0; }
.aw-lock-ic svg { width: 14px; height: 14px; }
.aw-locked b { font-size: .86rem; display: block; } .aw-locked span { font-size: .72rem; color: var(--muted-fg); }

/* blocking + awaiting */
.aw-block { border: 1px solid #fed7aa; background: #fff7ed; border-radius: 14px; padding: 1.8rem; text-align: center; }
.aw-block-h { display: inline-flex; align-items: center; gap: .5rem; font-size: 1.05rem; font-weight: 700; margin-bottom: .6rem; }
.aw-block-h svg { width: 20px; height: 20px; color: #ea580c; }
.aw-block p { color: #57534e; font-size: .9rem; max-width: 460px; margin: 0 auto 1.2rem; }
.aw-block-btns { display: flex; gap: .8rem; justify-content: center; flex-wrap: wrap; }
.aw-await { border: 1px solid #fde68a; background: #fffbeb; border-radius: 14px; padding: 2rem; text-align: center; }
.aw-await h3 { margin: .8rem 0 .3rem; } .aw-await p { color: #57534e; font-size: .88rem; max-width: 440px; margin: 0 auto 1rem; }
.aw-btn-ghost { background: #fff; border: 1px solid var(--border); border-radius: 9px; padding: .6rem 1rem; font-size: .85rem; font-weight: 600; color: #374151; cursor: pointer; display: inline-flex; align-items: center; gap: .4rem; }
.aw-btn-ghost.sm { padding: .45rem .8rem; font-size: .8rem; } .aw-btn-ghost svg { width: 15px; height: 15px; }
.aw-btn-warn { background: #ea580c; color: #fff; border: none; border-radius: 9px; padding: .6rem 1rem; font-size: .85rem; font-weight: 700; cursor: pointer; display: inline-flex; align-items: center; gap: .4rem; }
.aw-btn-warn svg { width: 15px; height: 15px; }

/* dialogs */
.aw-ov { position: fixed; inset: 0; z-index: 90; display: flex; align-items: center; justify-content: center; padding: 1rem; }
.aw-ov-scrim { position: absolute; inset: 0; background: rgba(15,23,42,.5); }
.aw-dialog { position: relative; background: #fff; border-radius: 16px; max-width: 460px; width: 100%; padding: 1.4rem 1.5rem 1.5rem; box-shadow: 0 20px 50px rgba(0,0,0,.28); }
.aw-dlg-h { display: flex; align-items: center; gap: .5rem; font-size: 1.1rem; font-weight: 700; margin-bottom: .7rem; }
.aw-dlg-h svg { width: 20px; height: 20px; color: var(--primary); }
.aw-dialog p { font-size: .88rem; color: #4b5563; line-height: 1.55; margin: 0 0 1.2rem; }
.aw-dlg-btns { display: flex; gap: .7rem; justify-content: flex-end; }
.aw-btn-primary { display: inline-flex; align-items: center; gap: .4rem; background: var(--primary); color: var(--primary-fg); border: none; border-radius: 9px; padding: .6rem 1rem; font-size: .85rem; font-weight: 700; cursor: pointer; }
.aw-btn-primary svg { width: 15px; height: 15px; }
.aw-dlg-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: .8rem; }
.aw-dlg-h2 { display: flex; align-items: center; gap: .5rem; font-size: 1.05rem; font-weight: 700; } .aw-dlg-h2 svg { width: 19px; height: 19px; color: #4b5563; }
.aw-x { background: none; border: none; color: var(--muted-fg); cursor: pointer; } .aw-x svg { width: 19px; height: 19px; }
.aw-co-name { margin: 0; font-size: 1.05rem; } .aw-co-rel { margin: .15rem 0 1rem; font-size: .78rem; color: var(--muted-fg); }
.aw-co-contact { display: flex; flex-direction: column; gap: .5rem; margin-bottom: 1.1rem; }
.aw-co-contact div { display: flex; align-items: center; gap: .5rem; font-size: .86rem; color: #4b5563; } .aw-co-contact svg { width: 15px; height: 15px; }
.aw-co-lbl { font-size: .68rem; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--muted-fg); margin: 0 0 .7rem; }
.aw-tracker { display: flex; align-items: flex-start; margin-bottom: 1.2rem; }
.aw-tr-step { display: flex; flex-direction: column; align-items: center; gap: .35rem; width: 64px; flex-shrink: 0; }
.aw-tr-dot { width: 26px; height: 26px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .7rem; font-weight: 800; background: #e5e7eb; color: #9ca3af; }
.aw-tr-dot.on { background: #16a34a; color: #fff; } .aw-tr-dot.cur { box-shadow: 0 0 0 3px #bbf7d0; }
.aw-tr-step span { font-size: .62rem; text-align: center; line-height: 1.2; color: var(--muted-fg); }
.aw-tr-conn { height: 2px; flex: 1; background: #e5e7eb; margin-top: 13px; } .aw-tr-conn.on { background: #16a34a; }

@media (max-width: 860px) {
  .aw-stepper { flex-direction: column; } .aw-conn { display: none; }
  .aw-rrow { grid-template-columns: 1fr; gap: .35rem; } .aw-rhead { display: none; }
  .aw-summary { margin-left: 0; }
}

/* ============================================================================
   Messenger (.msgr-*) — secure contact card + tabbed SMS/Email inbox.
   ============================================================================ */
.msgr { max-width: 900px; }
.msgr-contact .cdash-h { margin-bottom: .15rem; }
.msgr-cred { display: flex; align-items: center; justify-content: space-between; gap: .8rem; background: var(--muted); border-radius: 10px; padding: .8rem .9rem; margin-bottom: .7rem; }
.msgr-cred:last-child { margin-bottom: 0; }
.msgr-cred-l { display: flex; align-items: center; gap: .6rem; min-width: 0; }
.msgr-cred-l svg { width: 17px; height: 17px; color: var(--primary); flex-shrink: 0; }
.msgr-mono { font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: .9rem; font-weight: 500; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.msgr-copy { background: none; border: none; color: var(--muted-fg); cursor: pointer; padding: .35rem; border-radius: 7px; flex-shrink: 0; }
.msgr-copy:hover { background: rgba(0,0,0,.05); color: var(--card-fg); }
.msgr-copy svg { width: 16px; height: 16px; }

.msgr-head { display: flex; align-items: center; gap: .5rem; margin-bottom: .9rem; }
.msgr-head .cdash-h { margin: 0; }
.msgr-back { background: none; border: none; color: var(--card-fg); cursor: pointer; padding: .3rem; border-radius: 7px; display: inline-flex; }
.msgr-back:hover { background: var(--muted); } .msgr-back svg { width: 18px; height: 18px; }

.msgr-tabs { display: inline-flex; gap: .25rem; background: #eef0f2; border: 1px solid var(--border); border-radius: 10px; padding: .25rem; margin-bottom: 1rem; }
.msgr-tab { display: inline-flex; align-items: center; gap: .4rem; background: none; border: none; border-radius: 7px; padding: .45rem 1rem; font-size: .85rem; font-weight: 600; color: var(--muted-fg); cursor: pointer; }
.msgr-tab svg { width: 15px; height: 15px; }
.msgr-tab.active { background: #fff; color: var(--card-fg); box-shadow: 0 1px 2px rgba(0,0,0,.08); }
.msgr-ub { display: inline-flex; align-items: center; justify-content: center; min-width: 17px; height: 17px; padding: 0 4px; border-radius: 999px; background: #dc2626; color: #fff; font-size: .66rem; font-weight: 800; }

.msgr-list { display: flex; flex-direction: column; gap: .25rem; }
.msgr-row { display: flex; align-items: center; gap: .8rem; padding: .8rem .85rem; border-radius: 11px; cursor: pointer; }
.msgr-row:hover { background: #f2f3f5; }
.msgr-row.unread { background: #f0fdf4; border: 1px solid #bbf7d0; }
.msgr-row.unread:hover { background: #ecfdf3; }
.msgr-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--primary); flex-shrink: 0; }
.msgr-row-main { flex: 1; min-width: 0; }
.msgr-row-top { display: flex; align-items: center; justify-content: space-between; gap: .6rem; }
.msgr-row-name { font-size: .9rem; font-weight: 600; color: #111827; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.msgr-row.unread .msgr-row-name { font-weight: 700; }
.msgr-row-time { font-size: .68rem; color: var(--muted-fg); flex-shrink: 0; }
.msgr-row-prev { font-size: .8rem; color: var(--muted-fg); overflow: hidden; text-overflow: ellipsis; white-space: nowrap; margin-top: .15rem; }
.msgr-row.unread .msgr-row-prev { color: #374151; }
.msgr-rb { display: inline-flex; align-items: center; justify-content: center; min-width: 20px; height: 20px; padding: 0 6px; border-radius: 999px; background: #dc2626; color: #fff; font-size: .68rem; font-weight: 800; flex-shrink: 0; }

/* detail */
.msgr-scroll { display: flex; flex-direction: column; gap: .8rem; max-height: 440px; overflow-y: auto; padding-right: .3rem; }
.msgr-brow { display: flex; justify-content: flex-start; }
.msgr-brow.me { justify-content: flex-end; }
.msgr-bubble { max-width: 85%; border-radius: 13px; padding: .8rem .9rem; border: 1px solid transparent; }
.b-user { background: var(--primary); color: var(--primary-fg); }
.b-bank { background: #fffbeb; border-color: #fde68a; }
.b-lender { background: var(--muted); }
.b-system { background: #f6f7f8; border-color: var(--border); }
.b-missed { background: #fef2f2; border-color: #fecaca; }
.b-voice { background: #fff7ed; border-color: #fed7aa; }
.msgr-b-head { display: flex; align-items: center; gap: .45rem; margin-bottom: .45rem; }
.msgr-ic-miss { width: 14px; height: 14px; color: #dc2626; } .msgr-ic-voice { width: 14px; height: 14px; color: #ea580c; }
.msgr-badge { font-size: .62rem; font-weight: 700; text-transform: uppercase; letter-spacing: .03em; padding: .12rem .4rem; border-radius: 5px; border: 1px solid; }
.msgr-badge.b-user { background: color-mix(in srgb, var(--primary-fg) 18%, transparent); color: var(--primary-fg); border-color: color-mix(in srgb, var(--primary-fg) 30%, transparent); }
.msgr-badge.b-bank { background: #fef3c7; color: #92400e; border-color: #fde68a; }
.msgr-badge.b-lender { background: #eff6ff; color: #1d4ed8; border-color: #bfdbfe; }
.msgr-badge.b-system { background: var(--muted); color: var(--muted-fg); border-color: var(--border); }
.msgr-badge.b-missed { background: #fee2e2; color: #b91c1c; border-color: #fecaca; }
.msgr-badge.b-voice { background: #ffedd5; color: #c2410c; border-color: #fed7aa; }
.msgr-b-time { font-size: .66rem; opacity: .7; }
.b-user .msgr-b-time { color: var(--primary-fg); opacity: .75; }
.msgr-subj { font-size: .76rem; font-weight: 700; margin: 0 0 .3rem; opacity: .85; }
.msgr-text { font-size: .88rem; margin: 0; white-space: pre-wrap; line-height: 1.5; }
.msgr-miss-t { font-size: .88rem; font-weight: 600; color: #b91c1c; margin: 0 0 .35rem; }
.msgr-from { font-size: .74rem; color: var(--muted-fg); margin: 0; }
.msgr-vm-h { font-size: .66rem; font-weight: 700; color: #c2410c; margin-bottom: .35rem; }
.msgr-vm-dur { color: var(--muted-fg); font-weight: 500; }
.msgr-vm-t { font-size: .88rem; font-style: italic; margin: 0 0 .5rem; line-height: 1.5; }
.msgr-vm-foot { display: flex; align-items: center; gap: .7rem; }
.msgr-callback { display: inline-flex; align-items: center; gap: .35rem; background: none; border: 1px solid color-mix(in srgb, var(--primary) 35%, transparent); color: var(--primary); border-radius: 7px; padding: .3rem .6rem; font-size: .74rem; font-weight: 600; cursor: pointer; margin-top: .4rem; }
.msgr-callback:hover { background: var(--primary); color: var(--primary-fg); } .msgr-callback svg { width: 12px; height: 12px; }
.msgr-atts { margin-top: .5rem; display: flex; flex-direction: column; gap: .3rem; }
.msgr-att { display: inline-flex; align-items: center; gap: .4rem; font-size: .76rem; background: #fff; border: 1px solid var(--border); border-radius: 6px; padding: .25rem .5rem; cursor: pointer; width: fit-content; }
.b-user .msgr-att { background: color-mix(in srgb, var(--primary-fg) 12%, transparent); border-color: transparent; color: var(--primary-fg); }
.msgr-att svg { width: 12px; height: 12px; flex-shrink: 0; }

.msgr-composer { border-top: 1px solid var(--border); padding-top: .9rem; margin-top: .9rem; }
.msgr-subj-in { width: 100%; padding: .55rem .7rem; border: 1px solid var(--border); border-radius: 9px; font-size: .85rem; margin-bottom: .5rem; background: #fff; }
.msgr-comp-row { display: flex; align-items: flex-end; gap: .6rem; }
.msgr-comp-l { flex: 1; }
.msgr-ta { width: 100%; min-height: 60px; resize: none; padding: .6rem .7rem; border: 1px solid var(--border); border-radius: 9px; font-size: .88rem; font-family: inherit; background: #fff; }
.msgr-comp-tools { display: flex; align-items: center; gap: .8rem; margin-top: .35rem; }
.msgr-tool { display: inline-flex; align-items: center; gap: .3rem; font-size: .74rem; color: var(--muted-fg); cursor: pointer; }
.msgr-tool svg { width: 13px; height: 13px; }
.msgr-hint { font-size: .66rem; color: var(--muted-fg); margin-left: auto; }
.msgr-send { width: 42px; height: 60px; flex-shrink: 0; background: var(--primary); color: var(--primary-fg); border: none; border-radius: 9px; cursor: pointer; display: flex; align-items: center; justify-content: center; }
.msgr-send svg { width: 17px; height: 17px; }

.msgr-toast { position: fixed; bottom: 22px; left: 50%; transform: translateX(-50%); background: #111827; color: #fff; font-size: .85rem; font-weight: 500; padding: .65rem 1.1rem; border-radius: 10px; box-shadow: 0 10px 30px rgba(0,0,0,.3); z-index: 200; }

/* ============================================================================
   Billing & Invoices (.bill-*) — current plan, tier cards, payment, invoices.
   ============================================================================ */
.bill { max-width: 1000px; }
.bill .cdash-h { display: flex; align-items: center; gap: .5rem; }
.bill-h-ic { width: 17px; height: 17px; color: var(--primary); }
.cauth-note { color: var(--card-fg); background: var(--primary-soft); border-radius: 9px; padding: .7rem .9rem; font-size: .86rem; }

.bill-current { display: flex; align-items: center; justify-content: space-between; gap: 1rem; background: var(--muted); border-radius: 11px; padding: 1rem 1.1rem; margin-top: .5rem; }
.bill-cur-name { font-size: .95rem; font-weight: 700; margin: 0 0 .15rem; }
.bill-active { background: var(--primary); color: var(--primary-fg); font-size: .76rem; font-weight: 700; padding: .3rem .8rem; border-radius: 999px; }

.bill-plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: .7rem; }
.bill-plan { position: relative; border: 2px solid var(--border); border-radius: 14px; padding: 1.2rem 1.2rem 1.3rem; display: flex; flex-direction: column; }
.bill-plan:hover { border-color: color-mix(in srgb, var(--primary) 40%, transparent); }
.bill-plan.active { border-color: var(--primary); background: var(--primary-soft); }
.bill-pop { position: absolute; top: -11px; left: 16px; background: #fff; border: 1px solid var(--border); border-radius: 999px; padding: .15rem .6rem; font-size: .68rem; font-weight: 700; }
.bill-check { position: absolute; top: 12px; right: 12px; color: var(--primary); } .bill-check svg { width: 19px; height: 19px; }
.bill-plan-name { margin: 0; font-size: 1.15rem; font-weight: 800; letter-spacing: -.01em; }
.bill-plan-sub { margin: .15rem 0 1.1rem; font-size: .76rem; color: var(--muted-fg); }
.bill-feats { flex: 1; display: flex; flex-direction: column; gap: .65rem; margin-bottom: 1.1rem; }
.bill-feat { display: flex; align-items: center; gap: .4rem; font-size: .88rem; }
.bill-feat .cdash-info { color: #b8bec8; }
.bill-plan-foot { margin-top: auto; }
.bill-price { display: flex; align-items: baseline; gap: .1rem; margin-bottom: .8rem; }
.bill-price .c { font-size: .8rem; color: var(--muted-fg); }
.bill-price b { font-size: 1.7rem; font-weight: 800; }
.bill-price .per { font-size: .76rem; color: var(--muted-fg); margin-left: .25rem; }
.bill-btn { width: 100%; padding: .55rem 1rem; border-radius: 9px; font-size: .85rem; font-weight: 700; cursor: pointer; border: 1px solid var(--border); background: #fff; color: var(--card-fg); }
.bill-btn:hover { border-color: var(--primary); color: var(--primary); }
.bill-btn.solid { background: var(--primary); color: var(--primary-fg); border-color: var(--primary); }
.bill-btn.solid:hover { filter: brightness(.96); color: var(--primary-fg); }
.bill-btn.soon { background: color-mix(in srgb, var(--primary) 45%, #fff); color: #fff; border: none; cursor: not-allowed; opacity: .9; }
.bill-cur-lbl { text-align: center; font-size: .8rem; font-weight: 600; color: var(--primary); margin: 0; }

.bill-pay { display: flex; align-items: center; justify-content: space-between; gap: 1rem; background: var(--muted); border-radius: 11px; padding: 1rem 1.1rem; margin-top: .5rem; }
.bill-pay-l { display: flex; align-items: center; gap: .8rem; }
.bill-visa { width: 40px; height: 27px; border-radius: 5px; background: linear-gradient(90deg, #1d4ed8, #1e3a8a); color: #fff; font-size: .6rem; font-weight: 800; letter-spacing: .03em; display: flex; align-items: center; justify-content: center; }
.bill-pay-num { font-size: .9rem; font-weight: 600; margin: 0; }
.bill-update { border: 1px solid var(--border); background: #fff; border-radius: 8px; padding: .42rem .9rem; font-size: .82rem; font-weight: 600; color: var(--card-fg); text-decoration: none; }
.bill-update:hover { border-color: var(--primary); color: var(--primary); }

.bill-inv { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .85rem 0; border-bottom: 1px solid var(--border); }
.bill-inv:last-child { border-bottom: none; }
.bill-inv-desc { font-size: .9rem; font-weight: 600; margin: 0 0 .15rem; }
.bill-inv-r { display: flex; align-items: center; gap: .9rem; }
.bill-inv-amt { font-size: .9rem; font-weight: 700; }
.bill-paid { background: var(--primary); color: var(--primary-fg); font-size: .72rem; font-weight: 700; padding: .22rem .6rem; border-radius: 999px; }
.bill-dl { color: var(--muted-fg); display: inline-flex; padding: .25rem; border-radius: 6px; }
.bill-dl:hover { background: var(--muted); color: var(--card-fg); } .bill-dl svg { width: 17px; height: 17px; }

@media (max-width: 820px) { .bill-plans { grid-template-columns: 1fr; } }

/* ============================================================================
   Settings forms (.set-*) — Personal Details + Business Details.
   ============================================================================ */
.setf { max-width: 880px; }
.setf .cdash-h { display: flex; align-items: center; gap: .5rem; margin-bottom: 1.1rem; }
.set-h-ic { width: 18px; height: 18px; color: var(--primary); }

.set-banner { display: flex; align-items: flex-start; gap: .8rem; background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 12px; padding: 1rem 1.1rem; margin-bottom: 1.1rem; }
.set-banner-ic { width: 18px; height: 18px; color: #2563eb; flex-shrink: 0; margin-top: .1rem; }
.set-banner-t { flex: 1; } .set-banner-t .b1 { margin: 0; font-size: .88rem; font-weight: 600; color: #1e3a8a; }
.set-banner-t .b2 { margin: .25rem 0 0; font-size: .78rem; color: #2563eb; }
.set-banner-x { background: none; border: none; color: #1e40af; font-size: .82rem; font-weight: 600; cursor: pointer; flex-shrink: 0; }

.set-grid { display: grid; gap: .8rem; margin-bottom: .8rem; }
.set-grid.g2 { grid-template-columns: 1fr 1fr; } .set-grid.g3 { grid-template-columns: 1fr 1fr 1fr; }
.set-field { display: flex; flex-direction: column; gap: .3rem; margin-bottom: .8rem; }
.set-grid .set-field { margin-bottom: 0; }
.set-lbl { display: inline-flex; align-items: center; gap: .25rem; font-size: .8rem; font-weight: 600; color: #374151; }
.set-lock { width: 12px; height: 12px; color: var(--muted-fg); flex-shrink: 0; }
.set-input { width: 100%; padding: .56rem .75rem; border: 1px solid var(--border); border-radius: 9px; background: #fff; font-size: .88rem; color: var(--card-fg); font-weight: 400; }
.set-list-intro { margin: 0 0 1rem; }
.set-input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--ring); }
.set-input:disabled { background: var(--muted); color: var(--muted-fg); cursor: not-allowed; }

/* business list */
.set-list-head { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-bottom: 1rem; }
.set-add { display: inline-flex; align-items: center; gap: .35rem; font-size: .82rem; font-weight: 600; color: var(--primary); text-decoration: none; border: 1px solid color-mix(in srgb, var(--primary) 35%, transparent); border-radius: 8px; padding: .4rem .7rem; }
.set-add:hover { background: var(--primary-soft); } .set-add svg { width: 14px; height: 14px; }
.set-bizrow { display: flex; align-items: center; background: #fff; border: 1px solid var(--border); border-radius: 12px; margin-bottom: .8rem; }
.set-bizrow:hover { border-color: color-mix(in srgb, var(--primary) 45%, transparent); }
.set-bizrow-l { flex: 1; display: block; padding: 1rem 1.1rem; text-decoration: none; color: inherit; min-width: 0; }
.set-biz-name { font-size: .95rem; font-weight: 700; margin: 0 0 .15rem; }
.set-bizrow-r { display: flex; align-items: center; gap: .3rem; padding-right: 1rem; }
.set-del { background: none; border: none; color: #dc2626; cursor: pointer; padding: .45rem; border-radius: 8px; display: inline-flex; }
.set-del:hover { background: #fef2f2; } .set-del svg { width: 17px; height: 17px; }
.set-chev { color: var(--muted-fg); display: inline-flex; padding: .3rem; } .set-chev svg { width: 18px; height: 18px; }

.set-allback { display: inline-flex; align-items: center; gap: .35rem; color: var(--muted-fg); text-decoration: none; font-size: .85rem; font-weight: 600; margin-bottom: 1rem; }
.set-allback:hover { color: var(--card-fg); } .set-allback svg { width: 16px; height: 16px; }

/* delete modal */
.set-modal { position: fixed; inset: 0; z-index: 90; display: flex; align-items: center; justify-content: center; padding: 1rem; }
.set-modal[hidden] { display: none; }
.set-modal-scrim { position: absolute; inset: 0; background: rgba(15,23,42,.5); }
.set-modal-card { position: relative; background: #fff; border-radius: 16px; max-width: 420px; width: 100%; padding: 1.4rem 1.5rem 1.5rem; box-shadow: 0 20px 50px rgba(0,0,0,.28); }
.set-modal-card h3 { margin: 0 0 .5rem; font-size: 1.1rem; }
.set-modal-card p { margin: 0 0 1.3rem; line-height: 1.5; }
.set-modal-btns { display: flex; gap: .7rem; justify-content: flex-end; }
.set-del-confirm { background: #dc2626; color: #fff; border: none; border-radius: 9px; padding: .6rem 1rem; font-size: .85rem; font-weight: 700; cursor: pointer; }
.set-del-confirm:hover { background: #b91c1c; }

@media (max-width: 720px) { .set-grid.g2, .set-grid.g3 { grid-template-columns: 1fr; } }

/* ============================================================================
   Account Settings (.acct-*) — linked banks, password, notifications, 2FA.
   ============================================================================ */
.acct .cdash-card { margin-bottom: 1.1rem; }
.acct-head { display: flex; align-items: center; justify-content: space-between; gap: 1rem; margin-bottom: .9rem; }
.acct .acct-head .cdash-h { margin-bottom: 0; }
.acct-link-btn { display: inline-flex; align-items: center; gap: .35rem; font-size: .8rem; font-weight: 600; color: var(--card-fg); background: #fff; border: 1px solid var(--border); border-radius: 8px; padding: .42rem .8rem; cursor: pointer; }
.acct-link-btn:hover { border-color: var(--primary); color: var(--primary); } .acct-link-btn svg { width: 14px; height: 14px; }

.acct-warn { display: flex; align-items: flex-start; gap: .6rem; border-radius: 10px; padding: .8rem .9rem; margin-bottom: .9rem; font-size: .82rem; line-height: 1.45; }
.acct-warn svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: .1rem; }
.acct-warn.red { background: #fef2f2; border: 1px solid #fecaca; color: #b91c1c; }
.acct-warn.amber { background: #fffbeb; border: 1px solid #fde68a; color: #b45309; margin-top: .9rem; margin-bottom: 0; }

.acct-bank { display: flex; align-items: center; justify-content: space-between; gap: 1rem; border: 1px solid var(--border); border-radius: 11px; padding: .8rem .9rem; margin-bottom: .7rem; background: #fafbfc; }
.acct-bank:last-child { margin-bottom: 0; }
.acct-bank.broken { border-color: #fecaca; background: #fef2f2; }
.acct-bank-l { display: flex; align-items: center; gap: .8rem; min-width: 0; }
.acct-bank-ic { width: 36px; height: 36px; border-radius: 9px; background: var(--primary-soft); color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.acct-bank-ic.broken { background: #fee2e2; color: #dc2626; } .acct-bank-ic svg { width: 17px; height: 17px; }
.acct-bank-top { display: flex; align-items: center; gap: .5rem; }
.acct-bank-top b { font-size: .9rem; } .acct-last4 { font-size: .76rem; color: var(--muted-fg); }
.acct-chip { font-size: .62rem; font-weight: 800; text-transform: uppercase; padding: .12rem .4rem; border-radius: 5px; background: #fee2e2; color: #b91c1c; border: 1px solid #fecaca; }
.acct-sm-btn { font-size: .8rem; font-weight: 600; border: 1px solid var(--border); background: #fff; border-radius: 8px; padding: .42rem .8rem; cursor: pointer; color: var(--card-fg); white-space: nowrap; }
.acct-sm-btn:hover { border-color: var(--primary); color: var(--primary); }
.acct-sm-btn.ghost { border-color: transparent; background: none; color: var(--muted-fg); }
.acct-sm-btn.ghost:hover { background: var(--muted); color: var(--card-fg); }

.acct-soon { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .03em; color: #8a6d1a; background: #fdf6e3; border: 1px solid #f0e3bd; padding: .1rem .5rem; border-radius: 999px; vertical-align: middle; margin-left: .4rem; }
.acct-link-btn[disabled] { opacity: .5; cursor: not-allowed; }
.acct-toggle { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .8rem 0; border-bottom: 1px solid var(--border); }
.acct-toggle:last-of-type { border-bottom: none; }
.acct-toggle.no-border { border-bottom: none; padding-bottom: 0; }
.acct-toggle p { margin: 0; font-size: .9rem; font-weight: 600; }
input.acct-switch { appearance: none; -webkit-appearance: none; width: 40px; height: 23px; border-radius: 999px; background: #cbd0d8; position: relative; cursor: pointer; flex-shrink: 0; transition: background .15s; }
input.acct-switch::after { content: ""; position: absolute; top: 2px; left: 2px; width: 19px; height: 19px; border-radius: 50%; background: #fff; transition: transform .15s; box-shadow: 0 1px 2px rgba(0,0,0,.2); }
input.acct-switch:checked { background: var(--primary); }
input.acct-switch:checked::after { transform: translateX(17px); }

.acct-legal { display: flex; gap: 1.5rem; flex-wrap: wrap; margin-top: .3rem; }
.acct-legal a { display: inline-flex; align-items: center; gap: .45rem; font-size: .88rem; font-weight: 500; color: var(--primary); text-decoration: none; }
.acct-legal a:hover { text-decoration: underline; }
.acct-legal a svg { width: 15px; height: 15px; } .acct-legal a .ext { width: 12px; height: 12px; }

.acct-danger { border-color: #fecaca; }
.cdash-h.danger { color: #dc2626; } .cdash-h.danger .set-h-ic { color: #dc2626; }
.acct-del-btn { background: #dc2626; color: #fff; border: none; border-radius: 9px; padding: .55rem 1rem; font-size: .85rem; font-weight: 700; cursor: pointer; }
.acct-del-btn:hover { background: #b91c1c; }

/* Account Settings submit buttons must beat the global button[type=submit]
   (full-width/primary) — scope under .acct to win on specificity. */
.acct .acct-sm-btn { width: auto; padding: .42rem .9rem; font-size: .8rem; font-weight: 600;
  background: #fff; color: var(--card-fg); border: 1px solid var(--border); border-radius: 8px; }
.acct .acct-sm-btn:hover { border-color: var(--primary); color: var(--primary); filter: none; }
.acct .acct-sm-btn.ghost { background: none; border-color: transparent; color: var(--muted-fg); }
.acct .acct-sm-btn.ghost:hover { background: var(--muted); color: var(--card-fg); }
.acct .acct-del-btn { width: auto; padding: .55rem 1rem; font-size: .85rem; font-weight: 700;
  background: #dc2626; color: #fff; border: none; border-radius: 9px; }
.acct .acct-del-btn:hover { background: #b91c1c; filter: none; }