:root {
  --navy: #101b36;
  --blue: #173a76;
  --blue-dark: #102c5e;
  --teal: #236d63;
  --mint: #50c3af;
  --paper: #f7f8fb;
  --muted: #66748e;
  --line: rgba(16, 27, 54, 0.1);
  --white: #fff;
  --danger: #a93131;
  --shadow: 0 24px 70px rgba(16, 27, 54, 0.09);
  --radius: 1.5rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--navy); font-family: Inter, Manrope, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.6; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, .button { cursor: pointer; }
.container { width: min(1180px, calc(100% - 2rem)); margin-inline: auto; }
.site-header { position: sticky; top: 0; z-index: 50; border-bottom: 1px solid var(--line); background: rgba(255,255,255,.94); backdrop-filter: blur(18px); }
.nav-shell { min-height: 5rem; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.brand { display: inline-flex; align-items: center; gap: .75rem; min-width: max-content; }
.brand-mark { width: 2.75rem; height: 2.75rem; display: inline-grid; place-items: center; border-radius: .85rem; background: var(--blue); color: white; font-weight: 900; letter-spacing: -.08em; }
.brand strong, .brand small { display: block; line-height: 1.1; }
.brand small { margin-top: .35rem; color: var(--muted); font-size: .66rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.main-nav, .nav-actions, .portal-nav { display: flex; align-items: center; gap: 1.6rem; }
.main-nav a, .portal-nav a { color: #52617d; font-size: .9rem; font-weight: 700; }
.mobile-only { display: none; }
.main-nav a:hover, .portal-nav a:hover, .portal-nav .active { color: var(--blue); }
.menu-button { display: none; width: 2.75rem; height: 2.75rem; border: 1px solid var(--line); border-radius: .8rem; background: white; color: var(--navy); }
.text-link { color: var(--blue); font-weight: 800; }
.button { min-height: 3.25rem; padding: .8rem 1.25rem; border: 1px solid transparent; border-radius: .85rem; display: inline-flex; align-items: center; justify-content: center; gap: .5rem; font-weight: 850; transition: .2s ease; }
.button:hover { transform: translateY(-2px); }
.button--small { min-height: 2.75rem; padding: .6rem 1rem; font-size: .9rem; }
.button--primary { background: var(--blue); color: white; box-shadow: 0 10px 28px rgba(23,58,118,.2); }
.button--primary:hover { background: var(--blue-dark); }
.button--secondary { border-color: var(--line); background: white; color: var(--blue); }
.button--light { background: white; color: var(--teal); }
.button--outline-light { border-color: rgba(255,255,255,.28); color: white; }
.button--ghost { border-color: var(--line); background: transparent; color: var(--navy); }
.hero { position: relative; overflow: hidden; padding: 5.5rem 0 4.5rem; background: radial-gradient(circle at 80% 10%, rgba(80,195,175,.16), transparent 30%), linear-gradient(180deg,#fff,var(--paper)); }
.hero::before { content: ""; position: absolute; inset: 0; opacity: .35; background-image: linear-gradient(rgba(23,58,118,.08) 1px,transparent 1px),linear-gradient(90deg,rgba(23,58,118,.08) 1px,transparent 1px); background-size: 48px 48px; mask-image: linear-gradient(to bottom,black,transparent 75%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.12fr .88fr; gap: 5rem; align-items: center; }
.eyebrow { margin: 0 0 1rem; color: var(--teal); font-size: .75rem; font-weight: 900; letter-spacing: .15em; text-transform: uppercase; }
.eyebrow--light { color: #a8eadc; }
h1,h2,h3,p { margin-top: 0; }
h1,h2,h3 { line-height: 1.02; letter-spacing: -.045em; }
.hero h1 { max-width: 750px; margin-bottom: 1.5rem; font-size: clamp(3.4rem, 7vw, 6.6rem); }
.hero h1 span { color: var(--blue); }
.lead { max-width: 660px; color: var(--muted); font-size: 1.14rem; line-height: 1.8; }
.button-row { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 2rem; }
.trust-list { display: flex; flex-wrap: wrap; gap: 1.25rem; padding: 0; margin: 2rem 0 0; list-style: none; color: #42506a; font-weight: 700; }
.trust-list li::before { content: "✓"; margin-right: .45rem; color: var(--teal); }
.preview-card { padding: 2.2rem; border-radius: 2rem; background: var(--navy); color: white; box-shadow: 0 32px 90px rgba(16,27,54,.2); }
.preview-card h2 { font-size: 2rem; }
.preview-rate { display: flex; align-items: baseline; gap: .5rem; padding: 1rem 0; border-block: 1px solid rgba(255,255,255,.12); }
.preview-rate strong { font-size: 3.5rem; color: var(--mint); }
.preview-rate span { color: rgba(255,255,255,.65); }
.preview-card dl { margin: 1.5rem 0; }
.preview-card dl div { display: flex; justify-content: space-between; gap: 1rem; padding: .75rem 0; }
.preview-card dt { color: rgba(255,255,255,.62); }
.preview-card dd { margin: 0; font-weight: 850; }
.preview-card > a { color: #a8eadc; font-weight: 850; }
.stats { padding: 1.5rem 0; background: var(--blue); color: white; }
.stats-grid { display: grid; grid-template-columns: repeat(3,1fr); }
.stats-grid div { padding: .5rem 2rem; border-right: 1px solid rgba(255,255,255,.15); }
.stats-grid div:first-child { padding-left: 0; }.stats-grid div:last-child { border: 0; }
.stats-grid strong,.stats-grid span { display: block; }.stats-grid span { margin-top: .25rem; color: rgba(255,255,255,.65); font-size: .86rem; }
.section { padding: 7rem 0; }.section--compact { padding: 4rem 0; }.section--soft { background: #eef2f7; }.section--dark { background: var(--navy); color: white; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 3rem; margin-bottom: 3rem; }
.section h2 { max-width: 780px; margin-bottom: 1rem; font-size: clamp(2.5rem,5vw,4.5rem); }
.section-heading p { max-width: 440px; color: var(--muted); }
.product-grid { display: grid; grid-template-columns: repeat(2,1fr); border: 1px solid var(--line); border-radius: 2rem; overflow: hidden; background: white; }
.product-card { min-height: 330px; padding: 2.3rem; border-bottom: 1px solid var(--line); }.product-card:nth-child(odd) { border-right: 1px solid var(--line); }.product-card:nth-last-child(-n+2) { border-bottom: 0; }
.product-number { color: var(--teal); font-size: .8rem; font-weight: 900; }.product-card h3 { margin: 2.8rem 0 1rem; font-size: 2rem; }.product-card p { max-width: 470px; color: var(--muted); }
.product-card ul { padding: 0; margin: 1.5rem 0 0; list-style: none; font-weight: 700; }.product-card li { margin-top: .5rem; }.product-card li::before { content: "✓"; margin-right: .5rem; color: var(--teal); }
.calculator { display: grid; grid-template-columns: 1.08fr .92fr; overflow: hidden; border-radius: 2rem; background: white; box-shadow: var(--shadow); }
.calculator-controls,.calculator-result { padding: 3rem; }.calculator-controls { display: grid; gap: 2rem; }.calculator label,.form-grid label,.form-stack label { display: grid; gap: .65rem; color: #42506a; font-size: .78rem; font-weight: 900; letter-spacing: .08em; text-transform: uppercase; }
.calculator output { justify-self: end; margin-top: -1.85rem; color: var(--navy); font-size: 1rem; letter-spacing: 0; }
input,select,textarea { width: 100%; min-height: 3.2rem; border: 1px solid #d8dee9; border-radius: .75rem; background: white; padding: .8rem 1rem; color: var(--navy); outline: none; text-transform: none; letter-spacing: normal; }
textarea { min-height: 7rem; resize: vertical; }input:focus,select:focus,textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(23,58,118,.1); }input[type="range"] { padding: 0; accent-color: var(--teal); border: 0; }
.calculator-note { padding: 1rem; border-radius: .9rem; background: #eef7f4; color: var(--teal); }
.calculator-result { background: var(--navy); color: white; }.calculator-result > div { display: grid; gap: .3rem; padding: 1.25rem 0; border-bottom: 1px solid rgba(255,255,255,.12); }.calculator-result span { color: rgba(255,255,255,.6); font-size: .75rem; font-weight: 900; letter-spacing: .1em; text-transform: uppercase; }.calculator-result strong { font-size: 2rem; }.calculator-result .button { margin-top: 1.8rem; }.calculator-result small { display: block; margin-top: 1rem; color: rgba(255,255,255,.55); }
.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: 6rem; align-items: center; }.quote-card { min-height: 420px; padding: 3rem; border-radius: 2rem; display: flex; flex-direction: column; justify-content: space-between; background: var(--teal); color: white; }.quote-card blockquote { margin: 3rem 0; font-size: 2.1rem; font-weight: 850; line-height: 1.25; }.quote-card cite { color: rgba(255,255,255,.65); font-style: normal; }.split > div:last-child p { color: var(--muted); font-size: 1.05rem; }
.steps { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; margin-top: 3rem; overflow: hidden; border: 1px solid rgba(255,255,255,.1); border-radius: 1.5rem; background: rgba(255,255,255,.1); }.steps article { padding: 2rem; background: var(--navy); }.steps span { width: 2.3rem; height: 2.3rem; display: grid; place-items: center; border-radius: 50%; background: var(--teal); color: white; font-weight: 900; }.steps h3 { margin-top: 3rem; font-size: 1.3rem; }.steps p { color: rgba(255,255,255,.6); }
.faq-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: 5rem; }.faq-list { overflow: hidden; border: 1px solid var(--line); border-radius: 1.5rem; background: white; }.faq-list details { padding: 1.5rem 1.7rem; border-bottom: 1px solid var(--line); }.faq-list details:last-child { border: 0; }.faq-list summary { cursor: pointer; font-weight: 850; }.faq-list p { margin: 1rem 0 0; color: var(--muted); }
.cta { display: grid; grid-template-columns: 1fr .8fr; gap: 4rem; align-items: center; padding: 3.5rem; border-radius: 2rem; overflow: hidden; background: radial-gradient(circle at 85% 10%,rgba(255,255,255,.12),transparent 35%),var(--teal); color: white; }.cta h2 { font-size: 3rem; }.cta p { color: rgba(255,255,255,.68); }.cta-actions { display: grid; gap: .8rem; }
.footer { padding: 5rem 0 1.5rem; background: white; }.footer-grid { display: grid; grid-template-columns: 1.25fr repeat(3,1fr); gap: 3rem; }.footer h3 { margin: 1rem 0 .5rem; }.footer h4 { margin-top: 0; font-size: .72rem; letter-spacing: .13em; text-transform: uppercase; }.footer p { color: var(--muted); }.footer-bottom { display: flex; justify-content: space-between; gap: 2rem; margin-top: 3rem; padding-top: 1.5rem; border-top: 1px solid var(--line); color: var(--muted); font-size: .8rem; }
.auth-page { background: #eef2f7; }.auth-shell { width: min(1120px,calc(100% - 2rem)); min-height: 760px; margin: 3rem auto; display: grid; grid-template-columns: .9fr 1.1fr; border-radius: 2rem; overflow: hidden; box-shadow: var(--shadow); }.auth-shell--center { display: grid; grid-template-columns: minmax(0,600px); justify-content: center; box-shadow: none; }.auth-intro { padding: 4rem; background: var(--navy); color: white; }.auth-intro h1 { margin: 2rem 0; font-size: 3.5rem; }.auth-intro p,.auth-intro li { color: rgba(255,255,255,.65); }.auth-intro ul { padding-left: 1.2rem; margin-top: 3rem; }.auth-card { padding: 4rem; background: white; }.auth-card h1,.auth-card h2 { font-size: 2.4rem; }.auth-card > p { color: var(--muted); }.form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 1.2rem; }.form-stack { display: grid; gap: 1.2rem; }.full { grid-column: 1/-1; }.form-grid small { color: var(--muted); font-weight: 500; letter-spacing: normal; text-transform: none; }.form-footer { margin-top: 1.5rem; }.form-footer a { color: var(--blue); font-weight: 850; }.form-errors { margin-bottom: 1.25rem; padding: 1rem; border: 1px solid #f0b7b7; border-radius: .8rem; background: #fff3f3; color: var(--danger); }.form-errors p { margin: 0; }
.flash-stack { position: fixed; z-index: 100; top: 1rem; right: 1rem; }.flash { max-width: 400px; padding: 1rem 1.2rem; border-radius: .8rem; background: var(--navy); color: white; box-shadow: var(--shadow); }.flash--success { background: var(--teal); }
.portal-page { background: #f3f6fb; }.portal-topbar { min-height: 5rem; padding: .8rem max(1rem,calc((100% - 1180px)/2)); display: flex; align-items: center; gap: 3rem; border-bottom: 1px solid var(--line); background: white; }.portal-nav { margin-right: auto; }.portal-topbar form { margin: 0; }.portal-main { width: min(1180px,calc(100% - 2rem)); margin: 0 auto; padding: 3.5rem 0 6rem; }.portal-title { display: flex; justify-content: space-between; align-items: end; gap: 2rem; margin-bottom: 2rem; }.portal-title h1 { margin-bottom: .5rem; font-size: clamp(2.4rem,5vw,4rem); }.portal-title p { color: var(--muted); }.panel { padding: 2rem; border: 1px solid var(--line); border-radius: var(--radius); background: white; box-shadow: 0 16px 50px rgba(16,27,54,.04); }.panel--accent { background: var(--teal); color: white; }.panel--accent p { color: rgba(255,255,255,.68); }.panel-heading,.toolbar { display: flex; justify-content: space-between; align-items: center; gap: 1rem; }.panel-heading a { color: var(--blue); font-weight: 850; }.dashboard-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 1.5rem; }.stat-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 1rem; margin-bottom: 1.5rem; }.stat-grid article { padding: 1.5rem; border: 1px solid var(--line); border-radius: 1.2rem; background: white; }.stat-grid span,.stat-grid strong { display: block; }.stat-grid span { color: var(--muted); font-size: .85rem; font-weight: 750; }.stat-grid strong { margin-top: .5rem; font-size: 2.4rem; }.detail-list div { display: flex; justify-content: space-between; gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--line); }.detail-list dt { color: var(--muted); }.detail-list dd { margin: 0; font-weight: 850; }.empty-state { padding: 2rem 1rem; text-align: center; }.empty-state p { color: var(--muted); }.status { display: inline-flex; padding: .35rem .65rem; border-radius: 999px; background: #eef2f7; color: #52617d; font-size: .72rem; font-weight: 900; text-transform: uppercase; }.status--complete,.status--approved,.status--disbursed { background: #e9f7f3; color: var(--teal); }.status--review_pending,.status--submitted,.status--under_review { background: #fff5df; color: #8f6317; }.status--action_required,.status--declined { background: #fff0f0; color: var(--danger); }
.search-form { display: flex; gap: .6rem; width: min(100%,560px); }.table-count { margin: 1.5rem 0 .6rem; color: var(--muted); font-size: .85rem; font-weight: 750; }.table-wrap { overflow-x: auto; }.table-wrap table { width: 100%; border-collapse: collapse; min-width: 760px; }.table-wrap th,.table-wrap td { padding: 1rem; border-bottom: 1px solid var(--line); text-align: left; }.table-wrap th { color: var(--muted); font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; }.table-wrap td { color: #42506a; }.table-wrap td strong,.table-wrap td small { display: block; }.table-wrap td strong { color: var(--navy); }.table-wrap td small { margin-top: .25rem; color: var(--muted); }.table-link { color: var(--blue); font-weight: 850; }.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.panel-spaced { margin-top: 1.5rem; }
input[type="file"] { padding: .65rem; background: #f8f9fc; }
input[type="file"]::file-selector-button { margin-right: .8rem; padding: .55rem .75rem; border: 0; border-radius: .55rem; background: var(--blue); color: white; font-weight: 800; cursor: pointer; }

/* Calmer application typography */
.auth-page h1,.auth-page h2,.portal-page h1,.portal-page h2,.portal-page h3 { font-weight: 650; letter-spacing: -.025em; }
.auth-card h1,.auth-card h2 { font-size: 2.05rem; }
.auth-page .button,.portal-page .button { font-weight: 700; }
.auth-page .form-grid label,.auth-page .form-stack label,.portal-page .form-grid label,.portal-page .form-stack label { font-weight: 750; letter-spacing: .06em; }
.portal-page:not(.staff-page) .portal-title h1 { font-size: clamp(2rem,4vw,3.1rem); }
.portal-page .status { font-weight: 750; }

/* Staff operations dashboard */
.staff-page { min-height: 100vh; display: grid; grid-template-columns: 278px minmax(0,1fr); grid-template-rows: 76px minmax(calc(100vh - 132px),auto) 56px; grid-template-areas: "sidebar header" "sidebar main" "sidebar footer"; background: #f2f5f9; }
.staff-sidebar { grid-area: sidebar; position: sticky; top: 0; z-index: 70; height: 100vh; display: flex; flex-direction: column; padding: 1.35rem 1.15rem; overflow-y: auto; background: linear-gradient(180deg,#101b36 0%,#0b1730 100%); color: white; box-shadow: 8px 0 32px rgba(16,27,54,.08); }
.staff-sidebar__brand { min-height: 4.3rem; display: flex; align-items: flex-start; justify-content: space-between; padding: 0 .45rem 1.3rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.staff-sidebar__brand .brand-mark { background: var(--mint); color: var(--navy); }
.staff-sidebar__brand .brand small { color: rgba(255,255,255,.48); }
.staff-sidebar__close { display: none; border: 0; background: transparent; color: white; font-size: 1.8rem; }
.staff-sidebar__nav { display: grid; gap: .35rem; margin-top: 1.35rem; }
.staff-sidebar__nav > p { margin: 1.25rem .85rem .35rem; color: rgba(255,255,255,.36); font-size: .64rem; font-weight: 900; letter-spacing: .16em; text-transform: uppercase; }
.staff-sidebar__nav > p:first-child { margin-top: 0; }
.staff-sidebar__nav a { min-height: 3.1rem; display: flex; align-items: center; gap: .9rem; padding: .75rem .9rem; border-radius: .75rem; color: rgba(255,255,255,.66); font-size: .9rem; font-weight: 750; transition: .18s ease; }
.staff-sidebar__nav a:hover { background: rgba(255,255,255,.07); color: white; }
.staff-sidebar__nav a.active { background: linear-gradient(90deg,rgba(80,195,175,.22),rgba(80,195,175,.08)); color: white; box-shadow: inset 3px 0 var(--mint); }
.staff-sidebar__nav svg { width: 1.2rem; height: 1.2rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.staff-sidebar__help { margin-top: auto; padding: 1rem; border: 1px solid rgba(255,255,255,.1); border-radius: .9rem; background: rgba(255,255,255,.05); }
.staff-sidebar__help span,.staff-sidebar__help strong,.staff-sidebar__help a { display: block; }
.staff-sidebar__help span { color: rgba(255,255,255,.45); font-size: .68rem; font-weight: 800; text-transform: uppercase; }
.staff-sidebar__help strong { margin-top: .25rem; font-size: .86rem; }.staff-sidebar__help a { margin-top: .5rem; color: #a8eadc; font-size: .8rem; }
.staff-sidebar__user { display: flex; align-items: center; gap: .75rem; margin-top: 1rem; padding: 1rem .4rem .1rem; border-top: 1px solid rgba(255,255,255,.1); }
.staff-avatar { width: 2.45rem; height: 2.45rem; display: grid; place-items: center; flex: 0 0 auto; border-radius: .7rem; background: var(--teal); color: white; font-size: .75rem; font-weight: 900; }
.staff-sidebar__user strong,.staff-sidebar__user small { display: block; line-height: 1.35; }.staff-sidebar__user strong { font-size: .82rem; }.staff-sidebar__user small { color: rgba(255,255,255,.46); font-size: .7rem; }
.staff-sidebar-scrim { display: none; }
.staff-header { grid-area: header; position: sticky; top: 0; z-index: 50; min-width: 0; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; padding: .8rem 2rem; border-bottom: 1px solid var(--line); background: rgba(255,255,255,.95); backdrop-filter: blur(16px); }
.staff-header > div,.staff-header__actions { display: flex; align-items: center; gap: 1rem; }.staff-header small,.staff-header strong { display: block; line-height: 1.35; }.staff-header small { color: var(--muted); font-size: .67rem; font-weight: 750; letter-spacing: .06em; text-transform: uppercase; }.staff-header strong { font-size: 1rem; }
.staff-menu-button { display: none; width: 2.6rem; height: 2.6rem; border: 1px solid var(--line); border-radius: .7rem; background: white; color: var(--navy); }
.staff-header__date { color: var(--muted); font-size: .8rem; font-weight: 700; }.staff-header form { margin: 0; }
.staff-page .portal-main { grid-area: main; width: 100%; max-width: 1500px; min-width: 0; margin: 0 auto; padding: 2.3rem 2rem 4rem; }
.staff-page .portal-title { align-items: center; margin-bottom: 1.65rem; }
.staff-page .portal-title h1 { font-size: clamp(2rem,3.5vw,3.2rem); }.staff-page .portal-title p:last-child { margin-bottom: 0; }
.staff-page .panel { border-radius: 1rem; box-shadow: 0 8px 28px rgba(16,27,54,.045); }
.staff-page .stat-grid { gap: 1.1rem; }
.staff-page .stat-grid article { position: relative; overflow: hidden; min-height: 130px; padding: 1.4rem 1.5rem; border-radius: 1rem; box-shadow: 0 8px 28px rgba(16,27,54,.04); }
.staff-page .stat-grid article::after { content: ""; position: absolute; right: -18px; top: -22px; width: 82px; height: 82px; border-radius: 50%; background: rgba(35,109,99,.07); }
.staff-page .stat-grid article:first-child { border-top: 3px solid var(--blue); }.staff-page .stat-grid article:nth-child(2) { border-top: 3px solid var(--teal); }.staff-page .stat-grid article:nth-child(3) { border-top: 3px solid #d29b38; }.staff-page .stat-grid article:nth-child(4) { border-top: 3px solid #6d64b8; }
.staff-page .stat-grid span { text-transform: uppercase; letter-spacing: .07em; font-size: .69rem; }.staff-page .stat-grid strong { font-size: 2.15rem; }
.staff-page .table-wrap th { background: #f8fafc; }.staff-page .table-wrap tbody tr:hover { background: #fafcfe; }
.staff-footer { grid-area: footer; min-width: 0; display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0 2rem; border-top: 1px solid var(--line); background: white; color: var(--muted); font-size: .72rem; }
.panel-subtitle { margin: .35rem 0 0; color: var(--muted); font-size: .82rem; }

/* Calmer staff-portal typography */
.staff-page h1,.staff-page h2,.staff-page h3 { font-weight: 650; letter-spacing: -.025em; }
.staff-page .portal-title h1 { font-size: clamp(1.8rem,2.6vw,2.45rem); font-weight: 650; }
.staff-page .portal-title > div > p:last-child { font-size: .92rem; }
.staff-page .eyebrow { margin-bottom: .7rem; font-size: .68rem; font-weight: 750; letter-spacing: .12em; }
.staff-page .button { min-height: 2.85rem; padding: .68rem 1rem; border-radius: .75rem; font-size: .86rem; font-weight: 650; }
.staff-page .button--small { min-height: 2.5rem; padding: .55rem .85rem; font-size: .8rem; }
.staff-page .brand strong { font-weight: 650; }.staff-page .brand small { font-weight: 700; }
.staff-sidebar__nav > p { font-weight: 750; }.staff-sidebar__nav a { font-size: .86rem; font-weight: 600; }
.staff-sidebar__help span { font-weight: 700; }.staff-sidebar__help strong,.staff-sidebar__user strong { font-weight: 650; }
.staff-header small { font-weight: 650; }.staff-header strong { font-size: .94rem; font-weight: 650; }.staff-header__date { font-weight: 550; }
.staff-page .stat-grid span { font-weight: 700; }.staff-page .stat-grid strong { font-size: 1.85rem; font-weight: 650; }
.staff-page .panel h2 { font-size: 1.25rem; }.staff-page .panel-heading a,.staff-page .table-link { font-weight: 650; }
.staff-page .form-grid label,.staff-page .form-stack label { font-size: .72rem; font-weight: 700; letter-spacing: .06em; }
.staff-page .table-wrap th { font-size: .67rem; font-weight: 700; letter-spacing: .06em; }.staff-page .table-wrap td { font-size: .86rem; }.staff-page .table-wrap td strong { font-weight: 600; }
.staff-page .status { font-size: .67rem; font-weight: 700; }

/* Shared application modal */
.app-modal { width: min(680px,calc(100% - 2rem)); max-height: calc(100vh - 2rem); padding: 0; overflow: auto; border: 0; border-radius: 1.25rem; background: white; color: var(--navy); box-shadow: 0 30px 100px rgba(7,15,31,.28); }
.app-modal::backdrop { background: rgba(7,15,31,.64); backdrop-filter: blur(4px); }
.app-modal[open] { animation: modal-enter .2s ease both; }
@keyframes modal-enter { from { opacity: 0; transform: translateY(12px) scale(.985); } }
.app-modal__header { display: flex; align-items: flex-start; justify-content: space-between; gap: 1rem; padding: 1.7rem 1.8rem 1.25rem; border-bottom: 1px solid var(--line); }
.app-modal__header h2 { margin: 0 0 .45rem; font-size: 1.45rem; }.app-modal__header > div > p:last-child { margin: 0; color: var(--muted); font-size: .84rem; }.app-modal__header .eyebrow { margin-bottom: .55rem; }
.app-modal__close { width: 2.4rem; height: 2.4rem; display: grid; place-items: center; flex: 0 0 auto; padding: 0; border: 1px solid var(--line); border-radius: .65rem; background: #f7f8fb; color: var(--navy); font-size: 1.45rem; line-height: 1; cursor: pointer; }.app-modal__close:hover { border-color: var(--blue); color: var(--blue); }
.app-modal > .form-errors { margin: 1.25rem 1.8rem 0; }.staff-create-form { padding: 1.5rem 1.8rem 1.8rem; }
.app-modal__actions { display: flex; justify-content: flex-end; gap: .75rem; padding-top: .4rem; }
body:has(.app-modal[open]) { overflow: hidden; }

/* Complete customer review record */
.record-actions { display: flex; align-items: center; gap: .75rem; }
.record-summary { display: grid; grid-template-columns: repeat(4,1fr); gap: 1rem; margin-bottom: 1.25rem; }
.record-summary article { padding: 1.15rem 1.25rem; border: 1px solid var(--line); border-radius: .9rem; background: white; box-shadow: 0 8px 28px rgba(16,27,54,.035); }
.record-summary span,.record-summary strong { display: block; }.record-summary span { color: var(--muted); font-size: .68rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }.record-summary strong { margin-top: .35rem; font-size: 1.05rem; }
.customer-record__layout { display: grid; grid-template-columns: minmax(0,1fr) 310px; gap: 1.25rem; align-items: start; }
.customer-record__content { display: grid; gap: 1.25rem; min-width: 0; }
.customer-record__aside { position: sticky; top: 96px; display: grid; gap: 1rem; }
.record-section { padding: 1.7rem 1.8rem!important; }
.record-section__heading { display: flex; align-items: center; gap: .85rem; margin-bottom: 1.25rem; padding-bottom: 1rem; border-bottom: 1px solid var(--line); }
.record-section__heading > span { width: 2.1rem; height: 2.1rem; display: grid; place-items: center; flex: 0 0 auto; border-radius: .65rem; background: #eef7f4; color: var(--teal); font-size: .68rem; font-weight: 750; }
.record-section__heading p { margin: 0 0 .2rem; color: var(--muted); font-size: .63rem; font-weight: 750; letter-spacing: .09em; text-transform: uppercase; }.record-section__heading h2 { margin: 0; font-size: 1.18rem; }
.record-detail-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 0 1.5rem; margin: 0; }
.record-detail-grid > div { min-width: 0; padding: .85rem 0; border-bottom: 1px solid #edf0f5; }.record-detail-grid > div.wide { grid-column: 1/-1; }
.record-detail-grid dt { color: var(--muted); font-size: .64rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }.record-detail-grid dd { margin: .22rem 0 0; overflow-wrap: anywhere; color: var(--navy); font-size: .88rem; font-weight: 550; }
.record-detail-grid .number-value { font-family: ui-monospace,SFMono-Regular,Menlo,Monaco,Consolas,monospace; letter-spacing: .06em; }
.sensitive-value { display: flex; align-items: center; gap: .55rem; }.sensitive-toggle { width: 1.9rem; height: 1.9rem; display: inline-grid; place-items: center; flex: 0 0 auto; padding: 0; border: 1px solid var(--line); border-radius: .5rem; background: white; color: var(--blue); cursor: pointer; transition: .18s ease; }.sensitive-toggle:hover { border-color: var(--blue); background: #eff4fb; }.sensitive-toggle[aria-pressed="true"] { background: var(--blue); color: white; }.sensitive-toggle svg { width: 1rem; height: 1rem; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.record-section--sensitive { border-left: 3px solid #d29b38!important; }.sensitive-notice { margin-bottom: .75rem; padding: .75rem .9rem; border-radius: .65rem; background: #fff7e9; color: #77531d; font-size: .78rem; }
.guarantor-review + .guarantor-review { margin-top: 1.3rem; padding-top: 1.3rem; border-top: 1px solid var(--line); }.guarantor-review h3 { margin-bottom: .4rem; font-size: 1rem; }
.record-side-panel { padding: 1.4rem!important; }.record-side-panel h2 { margin-bottom: 1.1rem; font-size: 1.3rem; }.record-side-panel .button { width: 100%; }.record-side-panel > p:not(.eyebrow) { color: var(--muted); font-size: .82rem; }
.document-count { display: block; color: var(--blue); font-size: 2.7rem; line-height: 1; }.side-details { margin: 0; }.side-details div { padding: .7rem 0; border-bottom: 1px solid var(--line); }.side-details dt { color: var(--muted); font-size: .7rem; }.side-details dd { margin: .18rem 0 0; font-size: .82rem; font-weight: 800; }

/* Seven-stage borrower onboarding */
.onboarding-shell { width: min(1080px,calc(100% - 2rem)); }
.onboarding-form { padding: 0; overflow: hidden; }
.wizard-progress { position: relative; display: grid; grid-template-columns: repeat(var(--wizard-steps,7),1fr); padding: 2rem 2.5rem 1.75rem; border-bottom: 1px solid var(--line); background: #fbfcfe; }
.wizard-progress__bar { position: absolute; top: 3.2rem; left: calc(var(--wizard-edge,7.14%) + 1.75rem); right: calc(var(--wizard-edge,7.14%) + 1.75rem); height: 3px; background: #dfe5ef; }
.wizard-progress__bar span { display: block; width: 0; height: 100%; background: var(--teal); transition: width .25s ease; }
.wizard-progress__step { position: relative; z-index: 1; display: grid; justify-items: center; gap: .55rem; border: 0; background: transparent; color: var(--muted); font-weight: 800; }
.wizard-progress__step > span { width: 2.45rem; height: 2.45rem; display: grid; place-items: center; border: 3px solid #dfe5ef; border-radius: 50%; background: white; color: var(--muted); transition: .2s ease; }
.wizard-progress__step small { font-size: .68rem; letter-spacing: .03em; }
.wizard-progress__step.is-active > span { border-color: var(--blue); background: var(--blue); color: white; box-shadow: 0 0 0 5px rgba(23,58,118,.1); }
.wizard-progress__step.is-complete > span { border-color: var(--teal); background: var(--teal); color: white; }
.wizard-step { display: none; min-height: 500px; padding: 3rem; animation: wizard-in .25s ease both; }
.wizard-step.is-active { display: block; }
@keyframes wizard-in { from { opacity: 0; transform: translateY(8px); } }
.step-heading { display: flex; align-items: center; gap: 1rem; margin-bottom: 2.2rem; }
.step-heading > span { color: var(--teal); font-size: .8rem; font-weight: 900; letter-spacing: .12em; }
.step-heading p { margin: 0 0 .25rem; color: var(--muted); font-size: .72rem; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.step-heading h2 { margin: 0; font-size: clamp(1.7rem,4vw,2.5rem); }
.form-grid--three { grid-template-columns: repeat(3,1fr); }
.span-2 { grid-column: span 2; }
.onboarding-form fieldset { min-width: 0; padding: 0; border: 0; }
.onboarding-form legend { margin-bottom: .65rem; color: #42506a; font-size: .78rem; font-weight: 900; letter-spacing: .08em; text-transform: uppercase; }
.radio-row { min-height: 3.2rem; display: flex; align-items: center; gap: 1.2rem; }
.radio-row label { display: flex; grid-template-columns: auto 1fr; align-items: center; gap: .45rem; color: var(--navy); font-size: .9rem; letter-spacing: 0; text-transform: none; }
.radio-row input,.consent input { width: 1.15rem; min-height: 1.15rem; accent-color: var(--teal); }
.notice { margin-bottom: 1.5rem; padding: 1rem 1.2rem; border-left: 4px solid var(--teal); border-radius: .7rem; background: #eef7f4; }
.notice p { margin: .2rem 0 0; color: #52617d; font-size: .9rem; }
.notice.is-required { border-color: #c17a22; background: #fff7e9; }
.fee-card { display: grid; grid-template-columns: repeat(2,1fr); gap: 0 2rem; margin-top: .5rem; padding: 1.5rem; border-radius: 1rem; background: #eff4fb; }
.fee-card > div { display: flex; justify-content: space-between; gap: 1rem; padding: .7rem 0; border-bottom: 1px solid rgba(16,27,54,.08); }
.fee-card span { color: var(--muted); }
.fee-card__total { grid-column: 1/-1; border: 0!important; color: var(--blue); font-size: 1.08rem; }
.upload-field { padding: 1.2rem; border: 2px dashed #d8dee9; border-radius: 1rem; background: #fbfcfe; }
.upload-field > span { color: var(--navy); }
.upload-field:focus-within { border-color: var(--blue); background: #f5f8fd; }
.guarantor-card { margin-top: 1.5rem; padding: 1.5rem!important; border: 1px solid var(--line)!important; border-radius: 1rem; background: #fbfcfe; }
.guarantor-card > legend { width: auto; padding: 0 .5rem; color: var(--blue); font-size: .82rem; }
.terms-box { max-height: 270px; overflow-y: auto; padding: 1.5rem; border: 1px solid var(--line); border-radius: 1rem; background: #fbfcfe; color: #42506a; }
.terms-box h3 { color: var(--navy); }
.terms-box li + li { margin-top: .7rem; }
.consent { display: flex!important; grid-template-columns: auto 1fr!important; align-items: flex-start; gap: .75rem!important; margin-top: 1.5rem; color: var(--navy)!important; font-size: .95rem!important; letter-spacing: 0!important; text-transform: none!important; }
.wizard-actions { display: flex; justify-content: space-between; gap: 1rem; padding: 1.4rem 3rem; border-top: 1px solid var(--line); background: #fbfcfe; }
.wizard-actions > div { display: flex; gap: .75rem; margin-left: auto; }
.field-invalid { border-color: var(--danger)!important; box-shadow: 0 0 0 3px rgba(169,49,49,.1)!important; }
.draft-toast { position: fixed; right: 1rem; bottom: 1rem; z-index: 100; padding: .85rem 1rem; border-radius: .75rem; background: var(--navy); color: white; box-shadow: var(--shadow); }
.source-badge { display: inline-flex; align-items: center; gap: .45rem; padding: .5rem .75rem; border-radius: 999px; font-size: .72rem; font-weight: 700; }.source-badge::before { content: ""; width: .5rem; height: .5rem; border-radius: 50%; background: currentColor; }.source-badge--online { background: #eaf3ff; color: var(--blue); }.source-badge--staff { background: #e9f7f3; color: var(--teal); }

@media (max-width: 900px) {
  .main-nav { display: none; position: absolute; top: 5rem; left: 0; right: 0; padding: 1rem; flex-direction: column; align-items: stretch; background: white; border-bottom: 1px solid var(--line); }.main-nav.is-open { display: flex; }.main-nav .mobile-only { display: block; }.menu-button { display: block; }.nav-actions .text-link { display: none; }
  .hero-grid,.calculator,.split,.faq-layout,.cta,.auth-shell,.dashboard-grid { grid-template-columns: 1fr; }.hero-grid { gap: 3rem; }.stats-grid,.steps,.stat-grid { grid-template-columns: repeat(2,1fr); }.section-heading { display: block; }.footer-grid { grid-template-columns: repeat(2,1fr); }.auth-shell { min-height: 0; }.portal-topbar { flex-wrap: wrap; gap: 1rem; }.portal-nav { order: 3; width: 100%; overflow-x: auto; }
  .wizard-progress { padding-inline: 1.25rem; }.wizard-progress__step small { display: none; }.wizard-progress__bar { left: calc(var(--wizard-edge,7.14%) + 1rem); right: calc(var(--wizard-edge,7.14%) + 1rem); }.form-grid--three { grid-template-columns: repeat(2,1fr); }
  .staff-page { display: grid; grid-template-columns: minmax(0,1fr); grid-template-rows: 68px minmax(calc(100vh - 118px),auto) 50px; grid-template-areas: "header" "main" "footer"; }
  .staff-sidebar { position: fixed; left: 0; top: 0; width: min(86vw,290px); transform: translateX(-105%); transition: transform .22s ease; }
  .staff-page.staff-menu-open .staff-sidebar { transform: translateX(0); }.staff-sidebar__close { display: block; }.staff-menu-button { display: grid; place-items: center; }
  .staff-sidebar-scrim { position: fixed; inset: 0; z-index: 60; background: rgba(7,15,31,.55); backdrop-filter: blur(2px); }.staff-page.staff-menu-open .staff-sidebar-scrim { display: block; }
  .staff-header { padding: .7rem 1rem; }.staff-header__date { display: none; }.staff-page .portal-main { padding: 2rem 1rem 3rem; }.staff-footer { padding: 0 1rem; }
  .customer-record__layout { grid-template-columns: 1fr; }.customer-record__aside { position: static; grid-template-columns: repeat(3,1fr); }.record-summary { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 600px) {
  .nav-actions .button { display: none; }.hero { padding-top: 4rem; }.hero h1 { font-size: 3.5rem; }.section { padding: 5rem 0; }.product-grid,.stats-grid,.steps,.stat-grid,.form-grid,.footer-grid { grid-template-columns: 1fr; }.product-card { border-right: 0!important; border-bottom: 1px solid var(--line)!important; }.product-card:last-child { border-bottom: 0!important; }.stats-grid div,.stats-grid div:first-child { padding: .8rem 0; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.15); }.calculator-controls,.calculator-result,.auth-card,.auth-intro { padding: 1.5rem; }.quote-card { min-height: 340px; padding: 2rem; }.cta { padding: 2rem; }.portal-title,.toolbar,.footer-bottom { align-items: stretch; flex-direction: column; }.search-form { width: 100%; flex-direction: column; }.portal-main { padding-top: 2rem; }.panel { padding: 1rem; }
  .onboarding-form { padding: 0; }.wizard-progress { padding: 1.3rem .5rem 1rem; }.wizard-progress__bar { top: 2.5rem; left: calc(var(--wizard-edge,7.14%) + .5rem); right: calc(var(--wizard-edge,7.14%) + .5rem); }.wizard-progress__step > span { width: 2rem; height: 2rem; font-size: .75rem; border-width: 2px; }.wizard-step { min-height: 0; padding: 1.5rem; }.form-grid--three { grid-template-columns: 1fr; }.span-2 { grid-column: auto; }.fee-card { grid-template-columns: 1fr; }.fee-card__total { grid-column: auto; }.wizard-actions { position: sticky; bottom: 0; z-index: 5; padding: 1rem; flex-wrap: wrap; box-shadow: 0 -8px 24px rgba(16,27,54,.08); }.wizard-actions > div { width: 100%; }.wizard-actions .button { min-height: 2.8rem; flex: 1; padding: .65rem .75rem; font-size: .82rem; }
  .staff-header > div > span { display: none; }.staff-header__actions { margin-left: auto; }.staff-footer { justify-content: center; text-align: center; }.staff-footer span:last-child { display: none; }.staff-page .portal-title .button { width: 100%; }.staff-page .stat-grid article { min-height: 110px; }
  .record-actions { align-items: stretch; flex-direction: column; }.record-summary,.customer-record__aside,.record-detail-grid { grid-template-columns: 1fr; }.record-detail-grid > div.wide { grid-column: auto; }.record-section { padding: 1.25rem!important; }
  .app-modal { width: calc(100% - 1rem); max-height: calc(100vh - 1rem); border-radius: 1rem; }.app-modal__header { padding: 1.3rem 1.2rem 1rem; }.staff-create-form { padding: 1.2rem; }.app-modal > .form-errors { margin: 1rem 1.2rem 0; }.app-modal__actions { flex-direction: column-reverse; }.app-modal__actions .button { width: 100%; }
}