/* ==========================================================================
   PBI Global Lending
   Aesthetic: editorial-institutional. Warm parchment ground, deep teal ink,
   brand green as the single sharp accent. Ledger rules and index numerals
   borrow from printed loan documents; nothing decorative without a job.

   Palette   ink #0E1F26 · teal #174C5C · green #6FAE3E · sand #F4F1EA
   Type      Fraunces (display serif) + Archivo (body grotesque)
   ========================================================================== */

:root {
  --ink: #0E1F26;
  --ink-soft: #1B333C;
  --teal: #174C5C;
  --teal-deep: #0C2E38;
  --teal-light: #2E6E82;
  --green: #6FAE3E;
  --green-deep: #52872C;
  --green-bright: #8CC957;

  --sand: #F4F1EA;
  --sand-deep: #EAE5DA;
  --paper: #FFFFFF;
  --line: #DCD7CB;
  --line-soft: #E7E3D9;
  --muted: #55676E;

  --danger: #A6321F;
  --danger-bg: #FBEDEA;

  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-body: "Archivo", "Helvetica Neue", Arial, sans-serif;

  --container: 1180px;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow-sm: 0 1px 2px rgba(14, 31, 38, 0.06), 0 6px 16px rgba(14, 31, 38, 0.05);
  --shadow-lg: 0 24px 60px -20px rgba(12, 46, 56, 0.34);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  color: var(--ink);
  background: var(--sand);
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { margin: 0; padding: 0; }
ul { list-style: none; }
button { font: inherit; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.015em;
  margin: 0 0 0.55em;
  font-variation-settings: "SOFT" 0, "WONK" 0, "opsz" 40;
}
h1 { font-size: clamp(2.35rem, 5.2vw, 3.85rem); letter-spacing: -0.028em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); letter-spacing: -0.022em; }
h3 { font-size: 1.22rem; }
p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }
strong { font-weight: 600; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 26px;
}
.narrow { max-width: 820px; }

a:focus-visible, button:focus-visible, input:focus-visible,
textarea:focus-visible, select:focus-visible, summary:focus-visible,
[tabindex]:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 2px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--ink);
  color: #fff;
  padding: 12px 20px;
  z-index: 200;
}
.skip-link:focus { left: 12px; top: 12px; }

.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;
}

/* ---------- Reveal on load / scroll ---------- */
.reveal { opacity: 0; transform: translateY(18px); }
.reveal.in { opacity: 1; transform: none; transition: opacity 0.7s var(--ease), transform 0.7s var(--ease); }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
}

/* ---------- Eyebrow ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--green-deep);
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: currentColor; }
.on-dark .eyebrow, .hero .eyebrow, .page-hero .eyebrow { color: var(--green-bright); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 14px 26px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.94rem;
  letter-spacing: 0.005em;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background 0.18s var(--ease), color 0.18s var(--ease),
    border-color 0.18s var(--ease), box-shadow 0.18s var(--ease), transform 0.18s var(--ease);
  white-space: nowrap;
  text-align: center;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn svg { flex-shrink: 0; }

.btn-primary { background: var(--green); color: #10240B; box-shadow: 0 8px 20px -8px rgba(111, 174, 62, 0.8); }
.btn-primary:hover { background: var(--green-bright); }
.btn-dark { background: var(--teal-deep); color: #fff; }
.btn-dark:hover { background: var(--teal); }
.btn-outline { background: transparent; color: var(--teal-deep); border-color: rgba(23, 76, 92, 0.35); }
.btn-outline:hover { border-color: var(--teal-deep); background: rgba(23, 76, 92, 0.05); }
.btn-ghost-light { background: rgba(255,255,255,0.06); color: #fff; border-color: rgba(255,255,255,0.35); }
.btn-ghost-light:hover { border-color: #fff; background: rgba(255,255,255,0.12); }
.btn-block { width: 100%; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }
.btn[disabled], .btn[aria-disabled="true"] { opacity: 0.55; pointer-events: none; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(244, 241, 234, 0.9);
  backdrop-filter: saturate(150%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  height: 78px;
}
.brand { display: flex; align-items: center; gap: 13px; flex-shrink: 0; }
.brand-logo {
  height: 46px; width: 46px;
  object-fit: contain;
  border-radius: 9px;
  border: 1px solid var(--line);
  background: #fff;
}
.brand-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.06rem;
  letter-spacing: -0.02em;
  color: var(--teal-deep);
  line-height: 1.15;
}
.brand-name small {
  display: block;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 0.66rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 3px;
}

.site-nav > ul { display: flex; align-items: center; gap: 4px; }
.site-nav > ul > li { position: relative; }
.site-nav a, .nav-trigger {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ink);
  padding: 9px 13px;
  border-radius: 8px;
  border: none;
  background: none;
  cursor: pointer;
  transition: background 0.15s var(--ease), color 0.15s var(--ease);
}
.site-nav a:hover, .nav-trigger:hover { background: rgba(23, 76, 92, 0.08); color: var(--teal-deep); }
.site-nav a[aria-current="page"] { color: var(--teal-deep); background: rgba(23, 76, 92, 0.09); }
.nav-trigger svg { transition: transform 0.2s var(--ease); }
.nav-trigger[aria-expanded="true"] svg { transform: rotate(180deg); }

.nav-submenu {
  position: absolute;
  top: calc(100% + 10px);
  left: 0;
  min-width: 292px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  display: none;
  z-index: 70;
}
.nav-submenu.open { display: block; }
.nav-submenu a {
  display: block;
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.92rem;
}
.nav-submenu a span {
  display: block;
  font-weight: 400;
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 2px;
  line-height: 1.45;
}

.header-actions { display: flex; align-items: center; gap: 14px; }
.phone-link {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--teal-deep);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-variant-numeric: tabular-nums;
}
.phone-link:hover { color: var(--green-deep); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px; height: 44px;
  border-radius: 10px;
  border: 1px solid var(--line);
  background: var(--paper);
  cursor: pointer;
}
.nav-toggle span { display: block; height: 2px; width: 19px; margin: 0 auto; background: var(--ink); transition: transform 0.2s var(--ease), opacity 0.2s var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--teal-deep);
  color: #fff;
  padding: 96px 0 104px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(120% 90% at 88% 8%, rgba(111, 174, 62, 0.22) 0%, transparent 55%),
    radial-gradient(90% 70% at 0% 100%, rgba(46, 110, 130, 0.55) 0%, transparent 60%);
  pointer-events: none;
}
/* Faint ledger rules, like a printed term sheet */
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(to bottom, rgba(255,255,255,0.045) 0 1px, transparent 1px 46px);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 60px;
  align-items: center;
}
.hero h1 { color: #fff; margin-bottom: 22px; }
.hero h1 em {
  font-style: normal;
  color: var(--green-bright);
  font-variation-settings: "SOFT" 40, "WONK" 1, "opsz" 40;
}
.hero .lede {
  font-size: 1.14rem;
  color: rgba(255,255,255,0.82);
  max-width: 33em;
}
.hero-ctas { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 32px; }

.hero-assurance {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  margin-top: 34px;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,0.16);
}
.hero-assurance li {
  display: flex;
  align-items: center;
  gap: 9px;
  font-size: 0.86rem;
  color: rgba(255,255,255,0.8);
  font-weight: 500;
}
.hero-assurance svg { color: var(--green-bright); flex-shrink: 0; }

/* Hero side card */
.hero-card {
  background: var(--paper);
  color: var(--ink);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255,255,255,0.5);
}
.hero-card h2 { font-size: 1.3rem; margin-bottom: 6px; }
.hero-card > p { font-size: 0.92rem; color: var(--muted); margin-bottom: 20px; }
.hero-card .field { margin-bottom: 14px; }
.hero-card .form-note { margin-top: 14px; }

/* ---------- Trust strip ---------- */
.trust-strip {
  background: var(--ink);
  color: rgba(255,255,255,0.85);
  padding: 22px 0;
}
.trust-strip .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 18px 34px;
}
.trust-strip p {
  margin: 0;
  font-size: 0.8rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: rgba(255,255,255,0.5);
}
.trust-strip ul { display: flex; flex-wrap: wrap; gap: 14px 32px; }
.trust-strip li {
  display: flex; align-items: center; gap: 9px;
  font-size: 0.9rem; font-weight: 600;
}
.trust-strip svg { color: var(--green-bright); flex-shrink: 0; }

/* ---------- Sections ---------- */
section { padding: 92px 0; }
.section-sand { background: var(--sand-deep); }
.section-paper { background: var(--paper); }
.section-dark { background: var(--teal-deep); color: #fff; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-dark p { color: rgba(255,255,255,0.78); }

.section-head { max-width: 660px; margin: 0 0 52px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.06rem; margin: 0; }
.section-dark .section-head p { color: rgba(255,255,255,0.76); }

/* ---------- Product ledger (asymmetric, numbered) ---------- */
.ledger { border-top: 1px solid var(--line); }
.ledger-row {
  display: grid;
  grid-template-columns: 88px 1.05fr 1.25fr auto;
  gap: 30px;
  align-items: start;
  padding: 34px 0;
  border-bottom: 1px solid var(--line);
  transition: background 0.25s var(--ease);
}
.ledger-row:hover { background: rgba(23, 76, 92, 0.035); }
.ledger-index {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--green-deep);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
  padding-top: 2px;
}
.ledger-row h3 { margin-bottom: 8px; font-size: 1.5rem; }
.ledger-row .ledger-lead { color: var(--muted); font-size: 0.97rem; margin: 0; }
.ledger-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.tag {
  display: inline-block;
  padding: 6px 13px;
  border-radius: 999px;
  background: var(--paper);
  border: 1px solid var(--line);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink-soft);
}
.section-paper .tag { background: var(--sand); }
.ledger-row .btn { align-self: center; }

/* ---------- Steps rail ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  counter-reset: step;
}
.step {
  position: relative;
  padding: 34px 26px 30px 0;
  border-top: 2px solid rgba(255,255,255,0.16);
}
.section-dark .step { border-color: rgba(255,255,255,0.2); }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  display: block;
  font-family: var(--font-display);
  font-size: 0.9rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  color: var(--green-bright);
  margin-bottom: 16px;
}
.step h3 { font-size: 1.12rem; margin-bottom: 8px; }
.step p { font-size: 0.94rem; margin: 0; }

/* ---------- Feature / value grids ---------- */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.value-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 24px;
}
.section-paper .value-item { background: var(--sand); }
.value-item h3 { font-size: 1.05rem; margin-bottom: 7px; }
.value-item p { color: var(--muted); font-size: 0.93rem; margin: 0; }

.split { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 64px; align-items: start; }
.split .lede { color: var(--muted); font-size: 1.08rem; }

.feature-list { display: flex; flex-direction: column; gap: 0; border-top: 1px solid var(--line); }
.feature-list li {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  padding: 20px 4px;
  border-bottom: 1px solid var(--line);
}
.feature-list .dot {
  flex-shrink: 0;
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--green);
  margin-top: 9px;
  box-shadow: 0 0 0 4px rgba(111, 174, 62, 0.18);
}
.feature-list h4 { margin: 0 0 4px; font-size: 1.06rem; font-family: var(--font-display); font-weight: 600; }
.feature-list p { margin: 0; color: var(--muted); font-size: 0.94rem; }

.aside-card {
  background: var(--teal-deep);
  color: #fff;
  border-radius: var(--radius);
  padding: 32px 28px;
  position: sticky;
  top: 100px;
  box-shadow: var(--shadow-lg);
}
.aside-card h3 { font-size: 1.18rem; color: #fff; }
.aside-card p { color: rgba(255,255,255,0.76); font-size: 0.93rem; }
.aside-card .btn { margin-top: 12px; }
.aside-card .phone-line {
  display: block;
  font-family: var(--font-display);
  font-size: 1.55rem;
  font-weight: 600;
  color: var(--green-bright);
  margin: 8px 0 16px;
  font-variant-numeric: tabular-nums;
}
.aside-checklist { margin: 18px 0 0; padding-top: 18px; border-top: 1px solid rgba(255,255,255,0.16); }
.aside-checklist li {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.88rem; color: rgba(255,255,255,0.8); margin-bottom: 9px;
}
.aside-checklist svg { color: var(--green-bright); flex-shrink: 0; margin-top: 3px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: var(--teal-deep);
  color: #fff;
  padding: 74px 0 78px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(80% 120% at 95% 0%, rgba(111,174,62,0.2) 0%, transparent 58%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 3rem); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.8); max-width: 40em; font-size: 1.08rem; margin: 0; }

/* ---------- Breadcrumb ---------- */
.crumbs { font-size: 0.83rem; color: rgba(255,255,255,0.6); margin-bottom: 18px; }
.crumbs a:hover { color: #fff; }
.crumbs span { margin: 0 8px; opacity: 0.5; }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: var(--green);
  color: #10240B;
  border-radius: var(--radius);
  padding: 46px 44px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 26px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}
.cta-banner::after {
  content: "";
  position: absolute;
  right: -60px; top: -60px;
  width: 260px; height: 260px;
  border: 1.5px solid rgba(16, 36, 11, 0.16);
  border-radius: 50%;
  pointer-events: none;
}
.cta-banner h2 { font-size: 1.72rem; margin-bottom: 6px; color: #10240B; }
.cta-banner p { margin: 0; color: rgba(16, 36, 11, 0.76); max-width: 46ch; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; position: relative; }

/* ---------- FAQ ---------- */
.faq { max-width: 840px; margin: 0 auto; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 2px;
  cursor: pointer;
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "";
  flex-shrink: 0;
  width: 13px; height: 13px;
  border-right: 2px solid var(--green-deep);
  border-bottom: 2px solid var(--green-deep);
  transform: rotate(45deg) translate(-3px, -3px);
  transition: transform 0.22s var(--ease);
}
.faq details[open] summary::after { transform: rotate(-135deg) translate(-3px, -3px); }
.faq details p { padding: 0 2px 22px; color: var(--muted); font-size: 0.98rem; max-width: 68ch; }

/* ---------- Forms ---------- */
.form-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 34px;
  box-shadow: var(--shadow-sm);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-row.thirds { grid-template-columns: 2fr 1fr 1fr; }
.field { margin-bottom: 18px; }
.field label, .field-label {
  display: block;
  font-size: 0.83rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  margin-bottom: 7px;
  color: var(--ink);
}
.field .hint { display: block; font-weight: 400; color: var(--muted); font-size: 0.8rem; margin-top: 3px; }
.field input, .field select, .field textarea {
  width: 100%;
  padding: 13px 15px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--line);
  font-family: var(--font-body);
  font-size: 1rem;
  background: var(--sand);
  color: var(--ink);
  transition: border-color 0.15s var(--ease), background 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.hero-card .field input, .hero-card .field select { background: var(--sand); }
.field textarea { resize: vertical; min-height: 118px; }
.field input:hover, .field select:hover, .field textarea:hover { border-color: #C6C0B2; }
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--teal);
  background: var(--paper);
  box-shadow: 0 0 0 4px rgba(23, 76, 92, 0.1);
  outline: none;
}
.field select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%2355676E' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 15px center;
  padding-right: 40px;
}
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--danger); }
.field-error { display: none; color: var(--danger); font-size: 0.82rem; margin-top: 6px; font-weight: 500; }
.field.invalid .field-error { display: block; }

.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* Choice chips (radio cards) */
.choice-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(215px, 1fr)); gap: 12px; margin-bottom: 6px; }
.choice {
  position: relative;
  display: block;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 15px 16px;
  cursor: pointer;
  background: var(--sand);
  transition: border-color 0.15s var(--ease), background 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.choice:hover { border-color: var(--teal-light); }
.choice input { position: absolute; opacity: 0; pointer-events: none; }
.choice strong { display: block; font-size: 0.97rem; font-weight: 600; margin-bottom: 2px; }
.choice span { display: block; font-size: 0.83rem; color: var(--muted); line-height: 1.45; }
.choice:has(input:checked) {
  border-color: var(--green-deep);
  background: rgba(111, 174, 62, 0.09);
  box-shadow: 0 0 0 3px rgba(111, 174, 62, 0.16);
}
.choice:has(input:focus-visible) { outline: 3px solid var(--green); outline-offset: 2px; }

.consent {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: var(--sand);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px;
  font-size: 0.88rem;
  color: var(--muted);
  line-height: 1.55;
}
.consent input { width: 19px; height: 19px; margin: 2px 0 0; flex-shrink: 0; accent-color: var(--green-deep); }
.consent a { color: var(--teal); text-decoration: underline; text-underline-offset: 2px; }

.form-note { font-size: 0.83rem; color: var(--muted); margin-top: 12px; }
.form-note a { color: var(--teal); text-decoration: underline; }

.alert {
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  font-size: 0.9rem;
  margin-bottom: 18px;
  display: none;
}
.alert.visible { display: block; }
.alert-error { background: var(--danger-bg); border: 1px solid rgba(166, 50, 31, 0.3); color: var(--danger); }
.alert-success { background: rgba(111, 174, 62, 0.12); border: 1px solid rgba(82, 135, 44, 0.4); color: #2F5A18; }
.alert-info { background: rgba(23, 76, 92, 0.08); border: 1px solid rgba(23, 76, 92, 0.22); color: var(--teal-deep); }

/* ---------- Multi-step application ---------- */
.wizard { display: grid; grid-template-columns: 260px 1fr; gap: 46px; align-items: start; }
.wizard-rail { position: sticky; top: 100px; }
.wizard-rail ol { counter-reset: wstep; }
.wizard-rail li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 13px 0;
  color: var(--muted);
  font-size: 0.93rem;
  font-weight: 500;
  border-left: 2px solid var(--line);
  padding-left: 18px;
  margin-left: 2px;
  transition: color 0.2s var(--ease), border-color 0.2s var(--ease);
}
.wizard-rail li::before {
  counter-increment: wstep;
  content: counter(wstep);
  flex-shrink: 0;
  width: 25px; height: 25px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  display: grid;
  place-items: center;
  font-size: 0.76rem;
  font-weight: 700;
  font-family: var(--font-body);
  background: var(--paper);
}
.wizard-rail li[data-state="active"] { color: var(--ink); font-weight: 600; border-left-color: var(--green); }
.wizard-rail li[data-state="active"]::before { border-color: var(--green-deep); background: var(--green); color: #10240B; }
.wizard-rail li[data-state="done"] { color: var(--teal-deep); border-left-color: var(--teal-light); }
.wizard-rail li[data-state="done"]::before { content: "✓"; border-color: var(--teal); background: var(--teal); color: #fff; }

.wizard-progress { display: none; }
.wizard-progress-bar {
  height: 6px;
  background: var(--line);
  border-radius: 999px;
  overflow: hidden;
  margin-top: 10px;
}
.wizard-progress-bar span {
  display: block;
  width: 25%;
  height: 100%;
  background: var(--green);
  border-radius: 999px;
  transition: width 0.35s var(--ease);
}

.step-panel { display: none; }
.step-panel.active { display: block; animation: panelIn 0.32s var(--ease); }
@keyframes panelIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.step-panel h2 { font-size: 1.55rem; margin-bottom: 6px; }
.step-panel > p.step-lead { color: var(--muted); font-size: 0.98rem; margin-bottom: 26px; }

.wizard-actions {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid var(--line);
  flex-wrap: wrap;
}
.review-list { border-top: 1px solid var(--line); margin-bottom: 22px; }
.review-list div {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 11px 2px;
  border-bottom: 1px solid var(--line-soft);
  font-size: 0.93rem;
}
.review-list dt { color: var(--muted); }
.review-list dd { margin: 0; font-weight: 600; text-align: right; }

/* ---------- Uploader ---------- */
.dropzone {
  display: block;
  width: 100%;
  font: inherit;
  color: inherit;
  border: 2px dashed var(--line);
  border-radius: var(--radius);
  background: var(--sand);
  padding: 44px 26px;
  text-align: center;
  cursor: pointer;
  transition: border-color 0.2s var(--ease), background 0.2s var(--ease);
}
.dropzone:hover, .dropzone.dragover { border-color: var(--green-deep); background: rgba(111, 174, 62, 0.08); }
.dropzone svg { margin: 0 auto 14px; color: var(--teal); }
.dropzone strong { display: block; font-size: 1.06rem; font-family: var(--font-display); font-weight: 600; margin-bottom: 6px; }
.dropzone p, .dropzone-note { display: block; color: var(--muted); font-size: 0.9rem; margin: 0; }

.file-list { margin-top: 22px; display: flex; flex-direction: column; gap: 10px; }
.file-item {
  display: grid;
  grid-template-columns: 34px 1fr auto;
  gap: 14px;
  align-items: center;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--paper);
}
.file-icon { color: var(--teal); }
.file-item .name { font-weight: 600; font-size: 0.93rem; word-break: break-word; }
.file-item .meta { font-size: 0.8rem; color: var(--muted); }
.file-item .status { font-size: 0.82rem; font-weight: 600; white-space: nowrap; }
.file-item[data-state="done"] .status { color: var(--green-deep); }
.file-item[data-state="error"] { border-color: rgba(166,50,31,0.4); background: var(--danger-bg); }
.file-item[data-state="error"] .status { color: var(--danger); }
.progress-track { height: 5px; background: var(--sand-deep); border-radius: 999px; overflow: hidden; margin-top: 7px; }
.progress-track span { display: block; height: 100%; width: 0%; background: var(--green); transition: width 0.2s linear; }
.file-item[data-state="done"] .progress-track span { background: var(--green-deep); }

.upload-rules { display: flex; flex-wrap: wrap; gap: 10px 26px; margin-top: 18px; }
.upload-rules li { font-size: 0.85rem; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.upload-rules svg { color: var(--teal); flex-shrink: 0; }

/* ---------- Confirmation ---------- */
.confirm-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.confirm-badge {
  width: 62px; height: 62px;
  border-radius: 50%;
  background: rgba(111, 174, 62, 0.16);
  color: var(--green-deep);
  display: grid; place-items: center;
  margin-bottom: 22px;
}
.reference-plate {
  background: var(--teal-deep);
  color: #fff;
  border-radius: var(--radius);
  padding: 24px 26px;
  margin: 24px 0 30px;
}
.reference-plate p { margin: 0; font-size: 0.76rem; letter-spacing: 0.16em; text-transform: uppercase; color: rgba(255,255,255,0.6); font-weight: 700; }
.reference-plate strong {
  display: block;
  font-family: var(--font-display);
  font-size: 2.1rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--green-bright);
  margin-top: 6px;
  font-variant-numeric: tabular-nums;
}

/* ---------- Legal pages ---------- */
.legal { max-width: 780px; }
.legal h2 { font-size: 1.42rem; margin-top: 44px; }
.legal h3 { font-size: 1.08rem; margin-top: 26px; }
.legal p, .legal li { color: var(--ink-soft); font-size: 1rem; }
.legal ul { list-style: disc; padding-left: 22px; margin-bottom: 1.1em; }
.legal li { margin-bottom: 8px; }
.legal .updated { color: var(--muted); font-size: 0.9rem; }

/* ---------- Chat assistant ---------- */
.chat-launcher {
  position: fixed;
  right: 22px; bottom: 22px;
  z-index: 90;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 22px 14px 18px;
  border-radius: 999px;
  border: none;
  background: var(--teal-deep);
  color: #fff;
  font-weight: 600;
  font-size: 0.93rem;
  cursor: pointer;
  box-shadow: var(--shadow-lg);
  transition: transform 0.2s var(--ease), background 0.2s var(--ease);
}
.chat-launcher:hover { transform: translateY(-2px); background: var(--teal); }
.chat-launcher .pulse {
  width: 9px; height: 9px; border-radius: 50%; background: var(--green-bright);
  box-shadow: 0 0 0 0 rgba(140, 201, 87, 0.7);
  animation: pulse 2.4s infinite;
}
@keyframes pulse {
  0% { box-shadow: 0 0 0 0 rgba(140, 201, 87, 0.6); }
  70% { box-shadow: 0 0 0 11px rgba(140, 201, 87, 0); }
  100% { box-shadow: 0 0 0 0 rgba(140, 201, 87, 0); }
}
.chat-launcher[hidden] { display: none; }

.chat-panel {
  position: fixed;
  right: 22px; bottom: 22px;
  z-index: 95;
  width: min(400px, calc(100vw - 32px));
  height: min(620px, calc(100vh - 44px));
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transform-origin: bottom right;
  animation: chatIn 0.28s var(--ease);
}
@keyframes chatIn { from { opacity: 0; transform: translateY(16px) scale(0.97); } to { opacity: 1; transform: none; } }
.chat-panel[hidden] { display: none; }
.chat-head {
  background: var(--teal-deep);
  color: #fff;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.chat-head img { width: 36px; height: 36px; border-radius: 8px; background: #fff; }
.chat-head strong { display: block; font-size: 0.96rem; font-family: var(--font-display); font-weight: 600; }
.chat-head span { display: flex; align-items: center; gap: 6px; font-size: 0.76rem; color: rgba(255,255,255,0.7); }
.chat-head span::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--green-bright); }
.chat-close {
  margin-left: auto;
  background: rgba(255,255,255,0.1);
  border: none;
  color: #fff;
  width: 32px; height: 32px;
  border-radius: 8px;
  cursor: pointer;
  display: grid; place-items: center;
}
.chat-close:hover { background: rgba(255,255,255,0.2); }

.chat-log {
  flex: 1;
  overflow-y: auto;
  padding: 18px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--sand);
  scroll-behavior: smooth;
}
.chat-msg {
  max-width: 86%;
  padding: 12px 15px;
  border-radius: 14px;
  font-size: 0.93rem;
  line-height: 1.55;
  white-space: pre-wrap;
  word-wrap: break-word;
  animation: msgIn 0.25s var(--ease);
}
@keyframes msgIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.chat-msg.bot { background: var(--paper); border: 1px solid var(--line); border-bottom-left-radius: 4px; align-self: flex-start; }
.chat-msg.user { background: var(--teal-deep); color: #fff; border-bottom-right-radius: 4px; align-self: flex-end; }
.chat-msg.system {
  align-self: stretch; max-width: 100%;
  background: rgba(111,174,62,0.12);
  border: 1px solid rgba(82,135,44,0.35);
  color: #2F5A18; font-size: 0.87rem;
}
.chat-msg.system a { color: var(--teal-deep); font-weight: 700; text-decoration: underline; }

.chat-typing { display: flex; gap: 4px; align-self: flex-start; padding: 14px 16px; background: var(--paper); border: 1px solid var(--line); border-radius: 14px; border-bottom-left-radius: 4px; }
.chat-typing i { width: 7px; height: 7px; border-radius: 50%; background: var(--muted); animation: blink 1.3s infinite; }
.chat-typing i:nth-child(2) { animation-delay: 0.18s; }
.chat-typing i:nth-child(3) { animation-delay: 0.36s; }
@keyframes blink { 0%, 60%, 100% { opacity: 0.25; transform: translateY(0); } 30% { opacity: 1; transform: translateY(-3px); } }

.chat-quick { display: flex; flex-wrap: wrap; gap: 7px; padding: 0 18px 12px; background: var(--sand); }
.chat-quick button {
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--teal-deep);
  border-radius: 999px;
  padding: 7px 14px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.15s var(--ease), border-color 0.15s var(--ease);
}
.chat-quick button:hover { background: rgba(23,76,92,0.07); border-color: var(--teal-light); }

.chat-form { display: flex; gap: 9px; padding: 13px; border-top: 1px solid var(--line); background: var(--paper); }
.chat-form textarea {
  flex: 1;
  resize: none;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  padding: 11px 13px;
  font-family: var(--font-body);
  font-size: 0.93rem;
  background: var(--sand);
  color: var(--ink);
  max-height: 110px;
  min-height: 44px;
}
.chat-form textarea:focus { outline: none; border-color: var(--teal); background: var(--paper); }
.chat-send {
  width: 44px; height: 44px;
  flex-shrink: 0;
  border-radius: 10px;
  border: none;
  background: var(--green);
  color: #10240B;
  cursor: pointer;
  display: grid; place-items: center;
  transition: background 0.15s var(--ease);
}
.chat-send:hover { background: var(--green-bright); }
.chat-send[disabled] { opacity: 0.5; cursor: default; }
.chat-disclaimer { font-size: 0.7rem; color: var(--muted); text-align: center; padding: 0 13px 11px; background: var(--paper); margin: 0; }

/* ---------- Admin dashboard ---------- */
.admin-body { background: var(--sand-deep); }
.admin-shell { max-width: 1340px; margin: 0 auto; padding: 26px; }
.admin-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
  margin-bottom: 24px;
}
.admin-top h1 { font-size: 1.7rem; margin: 0; }
.admin-top .sub { color: var(--muted); font-size: 0.88rem; margin: 2px 0 0; }

.login-wrap { min-height: 100vh; display: grid; place-items: center; padding: 26px; }
.login-card { width: min(420px, 100%); }

.stat-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; margin-bottom: 22px; }
.stat {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 15px 17px;
}
.stat strong { display: block; font-family: var(--font-display); font-size: 1.75rem; font-weight: 600; line-height: 1; font-variant-numeric: tabular-nums; }
.stat span { font-size: 0.78rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.08em; font-weight: 600; }

.filters { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 18px; align-items: center; }
.filters input, .filters select {
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  border: 1.5px solid var(--line);
  background: var(--paper);
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: var(--ink);
}
.filters input { flex: 1; min-width: 220px; }
.filters input:focus, .filters select:focus { outline: none; border-color: var(--teal); }

.table-wrap { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
table.leads { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
table.leads th {
  text-align: left;
  padding: 13px 16px;
  background: var(--sand);
  border-bottom: 1px solid var(--line);
  font-size: 0.74rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 700;
  white-space: nowrap;
}
table.leads td { padding: 14px 16px; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
table.leads tbody tr { cursor: pointer; transition: background 0.14s var(--ease); }
table.leads tbody tr:hover { background: rgba(23,76,92,0.045); }
table.leads .ref { font-variant-numeric: tabular-nums; font-weight: 600; color: var(--teal-deep); }
table.leads .amount { font-variant-numeric: tabular-nums; font-weight: 600; white-space: nowrap; }
.empty-state { padding: 60px 26px; text-align: center; color: var(--muted); }
.empty-state svg { margin: 0 auto 16px; color: var(--line); }
.empty-state h3 { color: var(--ink); }

.pill {
  display: inline-block;
  padding: 4px 11px;
  border-radius: 999px;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  white-space: nowrap;
  border: 1px solid transparent;
}
.pill-New { background: rgba(111,174,62,0.16); color: #3E6B21; border-color: rgba(82,135,44,0.35); }
.pill-Contacted { background: rgba(23,76,92,0.12); color: var(--teal-deep); border-color: rgba(23,76,92,0.28); }
.pill-Documents { background: #FBF1DC; color: #7A5510; border-color: #E8D3A4; }
.pill-Underwriting { background: #E9E4F5; color: #4B3E75; border-color: #CFC5EA; }
.pill-Approved { background: rgba(111,174,62,0.22); color: #2F5A18; border-color: rgba(82,135,44,0.5); }
.pill-Declined { background: var(--danger-bg); color: var(--danger); border-color: rgba(166,50,31,0.3); }
.pill-Funded { background: var(--teal-deep); color: #fff; }

.drawer-backdrop {
  position: fixed; inset: 0;
  background: rgba(14, 31, 38, 0.55);
  z-index: 100;
  animation: fadeIn 0.2s var(--ease);
}
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.drawer {
  position: fixed;
  top: 0; right: 0; bottom: 0;
  width: min(660px, 100%);
  background: var(--sand);
  z-index: 101;
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  animation: drawerIn 0.28s var(--ease);
}
@keyframes drawerIn { from { transform: translateX(28px); opacity: 0; } to { transform: none; opacity: 1; } }
.drawer-head {
  position: sticky; top: 0;
  background: var(--teal-deep);
  color: #fff;
  padding: 22px 26px;
  z-index: 2;
}
.drawer-head h2 { color: #fff; margin: 0 0 4px; font-size: 1.35rem; }
.drawer-head p { margin: 0; color: rgba(255,255,255,0.72); font-size: 0.88rem; }
.drawer-head .chat-close { position: absolute; top: 20px; right: 22px; }
.drawer-section { padding: 24px 26px; border-bottom: 1px solid var(--line); }
.drawer-section h3 { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--muted); font-family: var(--font-body); font-weight: 700; margin-bottom: 14px; }
.kv { display: grid; grid-template-columns: 168px 1fr; gap: 8px 18px; font-size: 0.92rem; }
.kv dt { color: var(--muted); }
.kv dd { margin: 0; font-weight: 600; word-break: break-word; }
.doc-row {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 12px 14px; background: var(--paper); border: 1px solid var(--line);
  border-radius: var(--radius-sm); margin-bottom: 9px;
}
.doc-row .meta { font-size: 0.79rem; color: var(--muted); }
.transcript { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px; max-height: 380px; overflow-y: auto; }
.transcript p { font-size: 0.9rem; margin: 0 0 12px; }
.transcript p strong { color: var(--teal-deep); }
.summary-block { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px; white-space: pre-wrap; font-size: 0.9rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: rgba(255,255,255,0.72); padding-top: 62px; font-size: 0.93rem; }
.footer-inner {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand .footer-logo { height: 46px; width: 46px; border-radius: 9px; margin-bottom: 14px; }
.footer-brand p { margin: 0; color: #fff; font-weight: 600; font-family: var(--font-display); font-size: 1.05rem; }
.footer-brand .tagline { color: var(--green-bright); font-weight: 500; font-family: var(--font-body); font-size: 0.84rem; letter-spacing: 0.08em; text-transform: uppercase; margin-top: 6px; }
.footer-brand address { font-style: normal; margin-top: 16px; color: rgba(255,255,255,0.62); font-size: 0.88rem; line-height: 1.7; }
.footer-col h3 {
  color: #fff;
  font-family: var(--font-body);
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.13em;
  margin-bottom: 16px;
  font-weight: 700;
}
.footer-col ul { display: flex; flex-direction: column; gap: 11px; }
.footer-col a { transition: color 0.15s var(--ease); }
.footer-col a:hover { color: var(--green-bright); }
.footer-disclosure {
  padding: 26px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  max-width: 92ch;
}
.footer-bottom {
  padding: 22px 0 30px;
  font-size: 0.82rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  color: rgba(255,255,255,0.55);
}
.footer-bottom a:hover { color: #fff; }
.footer-disclosure a { text-decoration: underline; }

/* ---------- Layout helpers ---------- */
/* Section rhythm variants used by the intake pages */
.page-hero.compact { padding: 56px 0 60px; }
section.section-form { padding: 52px 0 88px; }
section.section-confirm { padding: 64px 0 88px; }

/* Vertical rhythm utilities. Declared last so they win ties on specificity. */
.u-mt-18 { margin-top: 18px; }
.u-mt-20 { margin-top: 20px; }
.u-mt-22 { margin-top: 22px; }
.u-mt-34 { margin-top: 34px; }

/* Three-across variant of the value grid */
.value-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }

/* Outline buttons sitting on the green CTA banner need dark ink */
.cta-banner .btn-outline { border-color: rgba(16, 36, 11, 0.4); color: #10240B; }

/* Card copy — direct children only, so the wizard's step headings keep their own size */
.form-card > h2 { font-size: 1.4rem; }
.card-lead { color: var(--muted); font-size: 0.95rem; margin-bottom: 24px; }
.card-lead a { color: var(--teal); text-decoration: underline; }
.card-note { color: var(--muted); font-size: 0.94rem; }
.text-muted { color: var(--muted); }

/* Aside card variants */
.aside-card.static { position: static; }
.aside-card .btn + .btn { margin-top: 10px; }
.aside-card .aside-checklist + .btn { margin-top: 20px; }
.aside-card .aside-note { margin-top: 20px; font-size: 0.88rem; }
.aside-checklist.flush { margin-top: 0; padding-top: 0; border-top: none; }
.aside-checklist a { text-decoration: underline; }

/* Application wizard */
.wizard-progress p { margin: 0; font-size: 0.86rem; font-weight: 600; color: var(--muted); }
.wizard-form { margin-top: 18px; }
.field textarea.short { min-height: 90px; }
.review-heading { margin-top: 32px; font-size: 1.05rem; }
.secure-note svg { display: inline-block; vertical-align: -2px; margin-right: 5px; }

/* Confirmation page */
.confirm-card h1 { font-size: clamp(1.9rem, 3.6vw, 2.5rem); }
.confirm-card h2 { font-size: 1.25rem; }
.confirm-lead { color: var(--muted); font-size: 1.05rem; }

/* Admin sign-in + shell */
.login-logo { height: 48px; width: 48px; border-radius: 9px; margin-bottom: 18px; }
.login-card h1 { font-size: 1.5rem; }
.login-card .login-sub { color: var(--muted); font-size: 0.94rem; }
.admin-top-actions { display: flex; gap: 10px; align-items: center; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 520px; }
  .ledger-row { grid-template-columns: 62px 1fr 1fr; }
  .ledger-row .btn { grid-column: 2 / -1; justify-self: start; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 940px) {
  .value-grid { grid-template-columns: repeat(2, 1fr); }
  .value-grid.cols-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .step { padding-right: 18px; }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .aside-card { position: static; }
  .wizard { grid-template-columns: 1fr; gap: 22px; }
  .wizard-rail { display: none; }
  .wizard-progress { display: block; }
  .kv { grid-template-columns: 1fr; gap: 2px 0; }
  .kv dd { margin-bottom: 10px; }
}

@media (max-width: 820px) {
  body { font-size: 16px; }
  .site-nav {
    position: fixed;
    top: 78px; left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    max-height: 0;
    overflow: hidden auto;
    transition: max-height 0.28s var(--ease);
    box-shadow: var(--shadow-lg);
  }
  .site-nav.open { max-height: calc(100vh - 78px); }
  .site-nav > ul { flex-direction: column; align-items: stretch; gap: 0; padding: 10px 20px 20px; }
  .site-nav a, .nav-trigger { width: 100%; justify-content: space-between; padding: 14px 6px; border-radius: 0; border-bottom: 1px solid var(--line-soft); }
  .nav-submenu {
    position: static;
    box-shadow: none;
    border: none;
    border-bottom: 1px solid var(--line-soft);
    border-radius: 0;
    padding: 0 0 8px 14px;
    min-width: 0;
  }
  .nav-submenu a { border-bottom: none; padding: 11px 6px; }
  .phone-link span { display: none; }
  .nav-toggle { display: flex; }
  .header-actions .btn { padding: 11px 17px; font-size: 0.86rem; }

  section { padding: 62px 0; }
  .hero { padding: 62px 0 72px; }
  .value-grid, .steps { grid-template-columns: 1fr; }
  .value-grid.cols-3 { grid-template-columns: 1fr; }
  .form-row, .form-row.thirds { grid-template-columns: 1fr; }
  .ledger-row { grid-template-columns: 44px 1fr; gap: 12px 16px; padding: 26px 0; }
  .ledger-row .ledger-tags, .ledger-row .btn { grid-column: 2; }
  .cta-banner { padding: 32px 26px; flex-direction: column; align-items: flex-start; }
  .form-card, .confirm-card { padding: 24px 20px; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .chat-panel { right: 0; bottom: 0; width: 100vw; height: 100dvh; border-radius: 0; border: none; }
  .chat-launcher { right: 16px; bottom: 16px; padding: 13px 19px 13px 16px; }
  .admin-shell { padding: 16px; }
  table.leads thead { display: none; }
  table.leads tbody tr { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; padding: 14px 16px; border-bottom: 1px solid var(--line-soft); }
  table.leads td { border: none; padding: 0; }
  table.leads td[data-label]::before { content: attr(data-label) " "; color: var(--muted); font-size: 0.78rem; }
}

@media (max-width: 420px) {
  .hero-ctas .btn, .cta-actions .btn { width: 100%; }
  .reference-plate strong { font-size: 1.6rem; }
}

@media print {
  .site-header, .site-footer, .chat-launcher, .chat-panel, .cta-banner { display: none !important; }
  body { background: #fff; }
}