:root{
  --ground:#ffffff;
  --paper:#fbfcf9;
  --ink:#1e2a1b;
  --ink-2:#4d5a47;
  --ink-3:#6b7765;
  --rule:#d6ddcf;
  --rule-strong:#9fab97;
  --green:#6e9640;
  --green-ink:#4a6c27;
  --green-wash:#eef3e6;
  --green-wash-2:#e2ebd5;
  --green-line:#c5d4b2;
  --orange:#d24a2a;
  --orange-deep:#b13a1d;
  --orange-wash:#fbede8;
  --radius:5px;
  --ease:cubic-bezier(.16,1,.3,1);
  --font:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --top-h:65px;
  --gutter:clamp(16px,3.2vw,40px);
  --measure:1240px;
  --tab-h:64px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scrollbar-color:var(--rule-strong) transparent;scroll-padding-top:calc(var(--top-h) + 16px)}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--font);font-size:1rem;line-height:1.5;font-variant-numeric:tabular-nums;-webkit-font-smoothing:antialiased}
::selection{background:var(--green-wash-2);color:var(--ink)}
::-webkit-scrollbar{width:10px;height:10px}
::-webkit-scrollbar-thumb{background:var(--rule);border-radius:10px;border:3px solid var(--ground)}
:focus-visible{outline:2px solid var(--ink);outline-offset:3px;border-radius:3px}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer}
a{color:var(--green-ink);text-underline-offset:.2em;text-decoration-thickness:1px}
a:hover{text-decoration-thickness:2px}
svg{fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.sr{position:absolute;left:0;top:0;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;z-index:50;background:var(--ink);color:#fff;padding:10px 14px;border-radius:var(--radius);font-weight:600}
.skip:focus{top:12px}
[hidden]{display:none!important}

/* ---------- shell ---------- */
.app{min-height:100dvh;display:grid;grid-template-rows:auto 1fr auto}
.top{position:sticky;top:0;z-index:30;background:var(--ground);border-bottom:1px solid var(--rule)}
.top-in{max-width:calc(var(--measure) + 2*var(--gutter));margin:0 auto;display:flex;align-items:center;gap:28px;padding:12px var(--gutter);min-height:var(--top-h)}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);flex:none}
.logo{height:34px;width:auto;display:block;mix-blend-mode:multiply}
.brand-sub{font-size:.8125rem;font-weight:600;color:var(--ink-2);padding-left:12px;border-left:1px solid var(--rule);line-height:1.2;white-space:nowrap}
.nav{display:flex;gap:4px;align-items:center}
.nav a{position:relative;color:var(--ink-2);text-decoration:none;font-weight:600;font-size:.9375rem;padding:8px 12px;border-radius:var(--radius)}
.nav a:hover{color:var(--ink);background:var(--paper)}
.nav a[aria-current="page"]{color:var(--ink)}
.nav a[aria-current="page"]::after{content:"";position:absolute;left:12px;right:12px;bottom:-13px;height:2px;background:var(--ink)}
.top-tools{margin-left:auto;display:flex;align-items:center;gap:10px}
.proto{font-size:.75rem;font-weight:600;letter-spacing:.02em;color:var(--ink-2);background:var(--paper);border:1px solid var(--rule);padding:6px 10px;line-height:1.2;border-radius:4px;white-space:nowrap}
.icon-btn{position:relative;display:grid;place-items:center;width:40px;height:40px;border:0;background:none;border-radius:var(--radius);color:var(--ink-2)}
.icon-btn:hover{background:var(--paper);color:var(--ink)}
.icon-btn svg{width:21px;height:21px}
.badge{position:absolute;top:3px;right:1px;min-width:9px;height:15px;line-height:15px;border-radius:8px;background:var(--orange);color:#fff;font-size:.625rem;font-weight:700;text-align:center;padding:0 3px;border:2px solid var(--ground);box-sizing:content-box}
.user-btn{display:flex;align-items:center;gap:8px;border:0;background:none;padding:4px 6px 4px 4px;border-radius:999px;font-weight:600;font-size:.9375rem}
.user-btn:hover{background:var(--paper)}
.avatar{width:32px;height:32px;border-radius:50%;background:var(--green-wash-2);color:var(--green-ink);display:grid;place-items:center;font-size:.75rem;font-weight:700;letter-spacing:.02em}
.user-btn .chev{width:16px;height:16px;color:var(--ink-3)}
.pop-wrap{position:relative}
.pop{position:absolute;right:-8px;top:calc(100% + 10px);width:320px;background:var(--ground);border:1px solid var(--rule-strong);border-radius:var(--radius);box-shadow:0 14px 32px -12px rgba(30,42,27,.28);padding:6px;z-index:40;animation:popin .18s var(--ease) both}
@keyframes popin{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}
.pop-h{margin:0;padding:10px 12px 8px;font-size:.8125rem;font-weight:700;color:var(--ink-2);border-bottom:1px solid var(--rule);margin-bottom:4px}
.pop-h span{display:block;font-weight:400;color:var(--ink-3)}
.pop-list,.pop-menu{list-style:none;margin:0;padding:0}
.pop-list a{display:block;padding:10px 12px;border-radius:4px;text-decoration:none;color:var(--ink)}
.pop-list a b{display:block;font-weight:600;font-size:.9375rem}
.pop-list a span{font-size:.8125rem;color:var(--ink-3)}
.pop-list a:hover,.pop-menu a:hover,.pop-menu button:hover{background:var(--green-wash)}
.pop-menu a,.pop-menu button{display:block;width:100%;text-align:left;border:0;background:none;padding:10px 12px;border-radius:4px;text-decoration:none;color:var(--ink);font-weight:500}

.main{outline:none;min-width:0}
.page{max-width:calc(var(--measure) + 2*var(--gutter));margin:0 auto;padding:36px var(--gutter) 72px;animation:pagein .35s var(--ease) both}
@keyframes pagein{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.page.narrow{max-width:calc(820px + 2*var(--gutter))}

/* ---------- type ---------- */
.h1{font-size:2rem;line-height:1.15;letter-spacing:-.022em;font-weight:650;margin:0;text-wrap:balance}
.h2{font-size:1.25rem;line-height:1.3;letter-spacing:-.01em;font-weight:650;margin:0}
.lede{color:var(--ink-2);margin:6px 0 0;max-width:68ch}
.fine{font-size:.875rem;color:var(--ink-3);margin:0;max-width:68ch}
.page-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px 32px;flex-wrap:wrap;margin:0 0 28px}
.page-head .fine{margin-top:6px}
.back{display:inline-flex;align-items:center;gap:6px;color:var(--ink-2);font-size:.9375rem;text-decoration:none;margin:0 0 14px;padding:4px 0}
.back:hover{color:var(--ink)}
.back svg{width:16px;height:16px}
.label{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2)}
.num{font-variant-numeric:tabular-nums;white-space:nowrap}
.muted{color:var(--ink-3)}

/* ---------- buttons ---------- */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:46px;padding:0 20px;border-radius:var(--radius);border:1.5px solid transparent;font-weight:650;font-size:1rem;letter-spacing:-.005em;transition:background-color .15s,border-color .15s,transform .15s var(--ease);text-decoration:none;white-space:nowrap;background:none;color:var(--ink)}
.btn svg{width:18px;height:18px}
.btn.primary{background:var(--orange);color:#fff;box-shadow:0 1px 2px rgba(120,36,14,.25),0 6px 14px -8px rgba(178,58,29,.6)}
.btn.primary:hover{background:var(--orange-deep)}
.btn.primary:active{transform:translateY(1px)}
.btn.primary:disabled{background:#e8b6a8;box-shadow:none;cursor:not-allowed}
.btn.ghost{border-color:var(--rule-strong);background:var(--ground)}
.btn.ghost:hover{border-color:var(--ink)}
.btn.sm{min-height:36px;padding:0 14px;font-size:.9375rem}
.btn.lg{min-height:52px;padding:0 24px;font-size:1.0625rem}
.btn.busy{color:transparent!important}
.btn.busy::after{content:"";position:absolute;width:18px;height:18px;border:2px solid rgba(255,255,255,.45);border-top-color:#fff;border-radius:50%;animation:spin .8s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.link-btn{border:0;background:none;padding:0;color:var(--green-ink);font-weight:600;text-decoration:underline;text-underline-offset:.2em;text-decoration-thickness:1px}
.link-btn:hover{text-decoration-thickness:2px}
.text-link{font-weight:600;display:inline-flex;align-items:center;gap:4px}
.text-link svg{width:15px;height:15px}

/* ---------- notes ---------- */
.note{display:grid;grid-template-columns:auto 1fr;gap:4px 12px;align-items:start;border-radius:var(--radius);padding:14px 16px;font-size:.9375rem}
.note>svg{width:20px;height:20px;margin-top:1px}
.note.needs{background:var(--orange-wash)}
.note.needs>svg{color:var(--orange-deep)}
.note.info{background:var(--green-wash)}
.note.info>svg{color:var(--green-ink)}
.note b{font-weight:650}
.note p{margin:0}

/* ---------- home: attention + summary ---------- */
.attention{margin:0 0 28px;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.due{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:6px 18px;align-items:center;padding:16px 18px;background:var(--orange-wash);border-radius:var(--radius);margin:14px 0}
.due>svg{width:22px;height:22px;color:var(--orange-deep)}
.due-what{font-size:1.0625rem}
.due-what b{font-weight:650}
.due-what .amt{font-weight:700}
.due-meta{font-size:.875rem;color:var(--ink-2)}
.due-when{color:var(--orange-deep);font-weight:650}
.clear-line{display:flex;align-items:center;gap:10px;padding:0 18px 14px;font-size:.9375rem;color:var(--ink-2)}
.clear-line svg{width:18px;height:18px;color:var(--green)}
.summary{display:flex;justify-content:space-between;align-items:center;gap:18px 32px;flex-wrap:wrap;margin:0 0 36px}
.summary-text{font-size:1.25rem;line-height:1.45;letter-spacing:-.01em;margin:0;max-width:44ch;text-wrap:pretty}
.summary-text .g{color:var(--green-ink);font-weight:650}
.summary-text .k{font-weight:650}
.actions{display:flex;flex-wrap:wrap;gap:10px}
.more-actions{display:flex;flex-wrap:wrap;gap:6px 22px;margin:14px 0 0;font-size:.9375rem}

/* ---------- ledger ---------- */
.ledger{--cols:minmax(0,2.4fr) minmax(0,.7fr) minmax(0,1.25fr) minmax(0,1.1fr) minmax(0,.95fr) minmax(0,1.15fr) minmax(0,1.15fr) 28px}
.lhead,.lrow,.lfoot{display:grid;grid-template-columns:var(--cols);gap:0 16px;align-items:center}
.lhead{position:sticky;top:var(--top-h);z-index:5;background:var(--ground);padding:10px 12px;border-bottom:1.5px solid var(--ink);font-size:.75rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-2)}
.lhead .r,.lrow .r,.lfoot .r,.subrow .r,.subhead .r,.subsum .r{text-align:right}
.chapter{margin:0}
.chapter-h{display:flex;align-items:baseline;justify-content:space-between;gap:12px;padding:22px 12px 8px;border-bottom:1px solid var(--rule)}
.chapter-h h2{font-size:1.125rem;font-weight:700;margin:0;letter-spacing:-.01em}
.chapter-h span{font-size:.8125rem;color:var(--ink-3)}
.loan{border-bottom:1px solid var(--rule)}
.lrow{width:100%;border:0;background:none;text-align:left;padding:16px 12px;border-radius:0;transition:background-color .15s}
.lrow:hover{background:var(--paper)}
.loan.open>.lrow{background:var(--green-wash)}
.lname b{display:block;font-weight:650;font-size:1.0625rem;letter-spacing:-.005em}
.lname span{display:block;font-size:.875rem;color:var(--ink-3);margin-top:1px}
.lcell{font-size:1rem}
.lcell small{display:block;font-size:.8125rem;color:var(--ink-3);white-space:nowrap}
.lcell.avail{color:var(--green-ink);font-weight:650}
.lcell.zero{color:var(--ink-3);font-weight:400}
.lcell .when{font-weight:600}
.lcell .when.soon{color:var(--orange-deep)}
.mcap{display:none}
.chev-cell{display:grid;place-items:center;color:var(--ink-3)}
.chev-cell svg{width:18px;height:18px;transition:transform .25s var(--ease)}
.loan.open .chev-cell svg{transform:rotate(180deg)}
.lfoot{padding:14px 12px;border-top:1.5px solid var(--ink);font-weight:700}
.lfoot .lcell{font-weight:700}

/* opened loan */
.ldetail{display:grid;grid-template-rows:0fr;transition:grid-template-rows .32s var(--ease)}
.loan.open .ldetail{grid-template-rows:1fr}
.ldetail>div{overflow:hidden;min-height:0}
.ldetail-in{padding:6px 12px 26px;background:linear-gradient(var(--green-wash),var(--ground) 120px)}
.subhead,.subrow,.subsum{display:grid;grid-template-columns:var(--cols);gap:0 16px;align-items:center}
.subhead{font-size:.6875rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3);padding:10px 0 6px;border-bottom:1px solid var(--rule)}
.subrow{padding:10px 0;border-bottom:1px dotted var(--rule);font-size:.9375rem}
.subrow .pname{padding-left:18px;position:relative}
.subrow .pname::before{content:"";position:absolute;left:4px;top:-10px;bottom:50%;width:8px;border-left:1px solid var(--rule-strong);border-bottom:1px solid var(--rule-strong)}
.subrow .pname b{font-weight:600}
.subrow .pname span{color:var(--ink-3);margin-left:8px;font-size:.8125rem}
.subrow .zero{color:var(--ink-3)}
.subsum{padding:10px 0 0;font-size:.9375rem;font-weight:700}
.subsum .check{display:inline-flex;align-items:center;gap:6px;color:var(--green-ink);font-size:.8125rem;font-weight:600;padding-left:18px}
.subsum .check svg{width:14px;height:14px}
.loan.open .subrow{animation:subdrop .45s var(--ease) both}
@keyframes subdrop{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:14px 28px;margin:12px 0 4px;padding:0}
.facts div{border-top:1px solid var(--rule);padding-top:8px}
.facts dt{font-size:.8125rem;color:var(--ink-3)}
.facts dd{margin:2px 0 0;font-weight:600}
.dgrid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:28px 40px;margin-top:24px}
.dblock h3{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);margin:0 0 6px;display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.dblock h3 a{font-size:.875rem;letter-spacing:0;text-transform:none;font-weight:600}
.mini{list-style:none;margin:0;padding:0;border-top:1px solid var(--rule)}
.mini li{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:2px 14px;align-items:baseline;padding:9px 0;border-bottom:1px dotted var(--rule);font-size:.9375rem}
.mini .d{color:var(--ink-3);font-size:.8125rem;min-width:52px}
.mini .t{min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.mini .t span{color:var(--ink-3);font-size:.8125rem;margin-left:6px}
.mini .paid{color:var(--green-ink)}
.mini a{text-decoration:none;color:var(--ink);font-weight:500}
.mini a:hover{text-decoration:underline}
.mini svg{width:16px;height:16px;color:var(--ink-3);vertical-align:-3px;margin-right:6px}
.detail-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px;padding-top:18px;border-top:1px solid var(--rule)}

.paidoff{margin-top:34px}
.paidoff summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:10px;padding:12px;border-bottom:1px solid var(--rule);font-weight:650}
.paidoff summary::-webkit-details-marker{display:none}
.paidoff summary svg{width:18px;height:18px;color:var(--ink-3);transition:transform .25s var(--ease)}
.paidoff[open] summary svg{transform:rotate(90deg)}
.paidoff summary span{font-weight:400;color:var(--ink-3);font-size:.875rem}
.plist{list-style:none;margin:0;padding:0}
.plist li{display:grid;grid-template-columns:minmax(0,2fr) 1fr 1fr auto;gap:8px 16px;align-items:center;padding:12px;border-bottom:1px dotted var(--rule);font-size:.9375rem}
.plist .lock{display:inline-flex;align-items:center;gap:6px;color:var(--green-ink);font-weight:600;font-size:.875rem}
.plist .lock svg{width:15px;height:15px}

/* ---------- tables (activity, bank, interest) ---------- */
.toolbar{display:flex;flex-wrap:wrap;gap:12px 18px;align-items:flex-end;justify-content:space-between;margin:0 0 18px}
.filters{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:flex-end}
.chip{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--rule-strong);border-radius:999px;padding:7px 14px;font-weight:600;font-size:.9375rem;background:var(--ground)}
.chip:hover{border-color:var(--ink)}
.chip[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.chip .c{font-weight:500;opacity:.7}
.sel{display:flex;flex-direction:column;gap:4px;font-size:.8125rem;font-weight:600;color:var(--ink-2)}
.sel select,.search input{display:block;appearance:none;border:0;border-bottom:1.5px solid var(--rule-strong);background:transparent;padding:6px 26px 7px 0;font-size:1rem;color:var(--ink);font-weight:500;border-radius:0;min-width:220px}
.sel select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%231e2a1b' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m3 5 4 4 4-4'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 2px center}
.sel select:focus,.search input:focus{outline:none;border-bottom-color:var(--ink);box-shadow:0 1.5px 0 var(--ink)}
.search{position:relative}
.search input{padding-left:26px;padding-right:4px;min-width:260px}
.search svg{position:absolute;left:0;bottom:11px;width:17px;height:17px;color:var(--ink-3)}
.table-wrap{overflow-x:auto}
table.t{width:100%;border-collapse:collapse;font-size:.9375rem}
.t thead th{background:var(--ground);text-align:left;font-size:.75rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-2);padding:10px 12px;border-bottom:1.5px solid var(--ink);white-space:nowrap}
.t td{padding:12px;border-bottom:1px solid var(--rule);vertical-align:top}
.t .r{text-align:right}
.t tbody tr:hover td{background:var(--paper)}
.t .grp td{background:var(--ground)!important;padding:22px 12px 8px;font-weight:700;font-size:1rem;border-bottom:1px solid var(--rule)}
.t .grp td span{font-weight:400;color:var(--ink-3);font-size:.8125rem;margin-left:8px}
.t .sub{display:block;font-size:.8125rem;color:var(--ink-3)}
.t .paid{color:var(--green-ink);font-weight:600}
.t .mono{letter-spacing:.02em}
.tag{display:inline-flex;align-items:center;gap:5px;font-size:.6875rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;white-space:nowrap;padding:3px 8px;border-radius:999px}
.tag svg{width:12px;height:12px}
.tag.pending{background:var(--orange-wash);color:var(--orange-deep)}
.tag.done{background:var(--green-wash);color:var(--green-ink)}
.tag.neutral{background:var(--paper);color:var(--ink-2);border:1px solid var(--rule)}
.empty{padding:36px 12px;text-align:center;color:var(--ink-2)}
.empty b{display:block;color:var(--ink);font-size:1.0625rem;margin-bottom:4px}
.count-line{font-size:.875rem;color:var(--ink-3);margin:12px 0 0}

/* ---------- forms (flows) ---------- */
.flow{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:48px;align-items:start}
.flow-main{min-width:0}
.fsec{padding:0 0 30px;margin:0 0 30px;border-bottom:1px solid var(--rule)}
.fsec:last-child{border-bottom:0}
.fsec>h2{font-size:1.375rem;font-weight:650;letter-spacing:-.015em;margin:0 0 4px;text-wrap:balance}
.fsec>.sub{color:var(--ink-2);margin:0 0 20px;max-width:60ch}
.fsec.off{opacity:.45;pointer-events:none}
.choices{display:grid;gap:10px}
.choices.two{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.choice{position:relative;display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:2px 14px;align-items:start;border:1.5px solid var(--rule);border-radius:var(--radius);padding:14px 16px;cursor:pointer;background:var(--ground);transition:border-color .15s,background-color .15s}
.choice:hover{border-color:var(--rule-strong)}
.choice input{position:absolute;opacity:0;pointer-events:none}
.choice .dot{width:20px;height:20px;border:1.5px solid var(--rule-strong);border-radius:50%;margin-top:2px;display:grid;place-items:center}
.choice .dot::after{content:"";width:10px;height:10px;border-radius:50%;background:var(--ground);transform:scale(.4);transition:background-color .15s,transform .2s var(--ease)}
.choice .ct{font-weight:650;font-size:1.0625rem}
.choice .cd{grid-column:2;font-size:.875rem;color:var(--ink-2)}
.choice .cv{grid-row:1/3;grid-column:3;text-align:right;font-weight:650;align-self:center}
.choice .cv small{display:block;font-weight:400;font-size:.8125rem;color:var(--ink-3)}
.choice .cv.g{color:var(--green-ink)}
.choice:has(input:checked){border-color:var(--ink);background:var(--green-wash)}
.choice:has(input:checked) .dot{border-color:var(--ink)}
.choice:has(input:checked) .dot::after{background:var(--ink);transform:none}
.choice:has(input:focus-visible){outline:2px solid var(--ink);outline-offset:2px}
.choice:has(input:disabled){cursor:not-allowed;background:var(--paper);color:var(--ink-3)}
.choice:has(input:disabled) .ct{color:var(--ink-2)}
.choice:has(input:disabled) .dot{border-style:dashed}
.fields{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:24px 22px}
.f{grid-column:span 6;min-width:0}
.f.w3{grid-column:span 3}.f.w2{grid-column:span 2}.f.w4{grid-column:span 4}
.f label,.f .lab{display:block;font-size:.8125rem;font-weight:600;color:var(--ink-2);margin-bottom:4px}
.f label .opt{font-weight:400;color:var(--ink-3)}
.f label.btn{display:inline-flex;margin:0;font-size:.9375rem;font-weight:650;color:var(--ink)}
.f .tag{margin-left:8px;vertical-align:1px;padding:0;background:none}
.f .tag.lock{color:var(--green-ink)}
.f.locked input{border-bottom-color:var(--green)}
.tag.check{background:var(--orange-wash);color:var(--orange-deep)}
.f input,.f select,.f textarea{width:100%;border:0;border-bottom:1.5px solid var(--rule-strong);border-radius:0;background:transparent;padding:6px 0 8px;font-size:1.25rem;line-height:1.3;caret-color:var(--orange);transition:border-color .2s}
.f select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='none' stroke='%231e2a1b' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m3 5 4 4 4-4'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 2px center;padding-right:24px}
.f textarea{font-size:1.0625rem;min-height:96px;resize:vertical;border:1.5px solid var(--rule-strong);border-radius:var(--radius);padding:10px 12px}
.f input::placeholder,.f textarea::placeholder{color:#8a9584}
.f input:focus,.f select:focus{outline:none;border-bottom-color:var(--ink);box-shadow:0 1.5px 0 var(--ink)}
.f textarea:focus{outline:none;border-color:var(--ink)}
.f .help{font-size:.8125rem;color:var(--ink-3);margin-top:6px}
.err{font-size:.875rem;color:var(--orange-deep);margin-top:6px;display:flex;gap:6px;align-items:flex-start;font-weight:500}
.err svg{flex:none;width:15px;height:15px;margin-top:2px}
.f.bad input,.f.bad select{border-bottom-color:var(--orange);box-shadow:0 1.5px 0 var(--orange)}
.prefix{display:flex;align-items:baseline;gap:4px;border-bottom:1.5px solid var(--rule-strong)}
.prefix:focus-within{border-bottom-color:var(--ink);box-shadow:0 1.5px 0 var(--ink)}
.f.bad .prefix{border-bottom-color:var(--orange);box-shadow:0 1.5px 0 var(--orange)}
.prefix span{font-size:1.25rem;color:var(--ink-3)}
.prefix input{border:0!important;box-shadow:none!important}
.f.big input,.f.big .prefix span{font-size:clamp(1.9rem,1.4rem + 1.6vw,2.5rem);font-weight:600;letter-spacing:-.02em}
.f.big .prefix span{font-weight:400}
.limit{display:flex;justify-content:space-between;gap:12px;font-size:.875rem;color:var(--ink-2);margin-top:8px}
.limit b{color:var(--green-ink)}
.bar{height:4px;background:var(--rule);border-radius:2px;margin-top:8px;overflow:hidden}
.bar i{display:block;height:100%;background:var(--green);transform-origin:0 50%;transition:transform .3s var(--ease)}
.bar.over i{background:var(--orange)}

/* per-program amount table */
.ptable{width:100%;border-collapse:collapse;font-size:.9375rem;margin-top:6px}
.ptable th{text-align:left;font-size:.6875rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3);padding:8px 10px;border-bottom:1px solid var(--rule)}
.ptable td{padding:10px;border-bottom:1px dotted var(--rule);vertical-align:middle}
.ptable .r{text-align:right}
.ptable tr.sel-row td{background:var(--green-wash)}
.ptable tfoot td{border-bottom:0;border-top:1.5px solid var(--ink);font-weight:700;padding-top:12px}
.ptable .pay-in{display:flex;align-items:baseline;justify-content:flex-end;gap:2px;border-bottom:1.5px solid var(--rule-strong);max-width:140px;margin-left:auto}
.ptable .pay-in:focus-within{border-bottom-color:var(--ink)}
.ptable .pay-in.bad{border-bottom-color:var(--orange)}
.ptable .pay-in span{color:var(--ink-3)}
.ptable .pay-in input{width:100%;border:0;background:transparent;text-align:right;padding:4px 0 5px;font-size:1rem;font-weight:600}
.ptable .pay-in input:focus{outline:none}
.ptable .pick{display:inline-grid;place-items:center;width:20px;height:20px}
.ptable input[type=checkbox],.ptable input[type=radio],.ack input,.cbox input{accent-color:var(--ink);width:18px;height:18px}
.split{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;margin:0 0 14px}
.seg{display:inline-flex;border:1.5px solid var(--rule-strong);border-radius:var(--radius);overflow:hidden}
.seg label{position:relative;padding:8px 16px;font-weight:600;font-size:.9375rem;cursor:pointer;text-align:center}
.seg label+label{border-left:1.5px solid var(--rule-strong)}
.seg input{position:absolute;opacity:0}
.seg label:has(input:checked){background:var(--ink);color:#fff}
.seg label:has(input:focus-visible){outline:2px solid var(--ink);outline-offset:-4px}
.purposes{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:20px 22px}
.purposes .f input{font-size:1.125rem}
.purposes .prefix span{font-size:1.125rem}
.sumcheck{display:flex;align-items:center;gap:8px;margin-top:18px;padding-top:12px;border-top:1px solid var(--rule);font-size:.9375rem;font-weight:600}
.sumcheck svg{width:17px;height:17px}
.sumcheck.ok{color:var(--green-ink)}
.sumcheck.no{color:var(--orange-deep)}
.ack{display:grid;grid-template-columns:auto 1fr;gap:12px;align-items:start;border:1.5px solid var(--rule-strong);border-radius:var(--radius);padding:14px 16px;cursor:pointer;font-size:.9375rem}
.ack:has(input:checked){border-color:var(--green);background:var(--green-wash)}
.ack.bad{border-color:var(--orange)}
.drop{display:flex;align-items:center;gap:14px;flex-wrap:wrap;border:1.5px dashed var(--rule-strong);border-radius:var(--radius);padding:16px;color:var(--ink-2);font-size:.9375rem;transition:background-color .15s,border-color .15s}
.drop.over{background:var(--green-wash);border-color:var(--green)}
.drop svg{width:22px;height:22px;color:var(--ink-3)}
.attached{list-style:none;margin:10px 0 0;padding:0}
.attached li{display:flex;align-items:center;gap:10px;font-size:.9375rem;padding:6px 0}
.attached svg{width:16px;height:16px;color:var(--green)}

/* slip (sticky summary) */
.slip{position:sticky;top:calc(var(--top-h) + 24px);background:var(--paper);border:1px solid var(--rule);border-radius:var(--radius);padding:20px 20px 22px}
.slip h2{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);margin:0 0 10px}
.slip dl{margin:0}
.slip .sr-row{display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;padding:8px 0;border-bottom:1px dotted var(--rule);font-size:.9375rem}
.slip dt{color:var(--ink-3)}
.slip dd{margin:0;text-align:right;font-weight:600;overflow-wrap:break-word}
.slip dd.empty-v{color:var(--ink-3);font-weight:400;font-style:italic}
.slip .lines{list-style:none;margin:6px 0 0;padding:0;font-size:.875rem}
.slip .lines li{display:flex;justify-content:space-between;gap:12px;padding:4px 0;color:var(--ink-2)}
.slip .total{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin:14px 0 18px;padding-top:12px;border-top:1.5px solid var(--ink)}
.slip .total span{font-weight:600}
.slip .total b{font-size:1.75rem;font-weight:650;letter-spacing:-.02em}
.slip .btn{width:100%}
.slip .fine{margin-top:12px;font-size:.8125rem}
.slip-bar{display:none}

/* confirmation */
.done-mark{width:64px;height:64px;color:var(--green);margin:0 0 18px}
.done-mark circle{stroke-dasharray:160;stroke-dashoffset:160;animation:draw .7s .05s var(--ease) forwards}
.done-mark path{stroke-dasharray:40;stroke-dashoffset:40;animation:draw .45s .55s var(--ease) forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.receipt{margin:24px 0 0;border-top:1.5px solid var(--ink);max-width:560px}
.receipt .sr-row{display:grid;grid-template-columns:auto minmax(0,1fr);gap:12px;padding:10px 0;border-bottom:1px dotted var(--rule)}
.receipt dt{color:var(--ink-3)}
.receipt dd{margin:0;text-align:right;font-weight:600}
.receipt .tot{border-bottom:0;border-top:1.5px solid var(--ink);font-weight:700;font-size:1.125rem}

/* statements */
.split-page{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.side{display:grid;gap:26px;position:sticky;top:calc(var(--top-h) + 24px)}
.side-block h2{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);margin:0 0 10px}
.side-block p{margin:0 0 10px;font-size:.9375rem}
.why{list-style:none;margin:10px 0 0;padding:0;font-size:.9375rem}
.why li{padding:6px 0 6px 24px;position:relative}
.why li svg{position:absolute;left:0;top:9px;width:16px;height:16px;color:var(--green)}
.srow{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:4px 16px;align-items:center;padding:12px;border-bottom:1px dotted var(--rule)}
.srow a{display:inline-flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font-weight:600}
.srow a:hover{text-decoration:underline}
.srow a svg{width:18px;height:18px;color:var(--ink-3)}
.srow .muted{font-size:.875rem}
.stmt-loan .lrow{grid-template-columns:minmax(0,1fr) auto 28px}

/* files */
.upload{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:6px 18px;align-items:center;border:1.5px dashed var(--rule-strong);border-radius:var(--radius);padding:22px;margin:0 0 30px;transition:background-color .15s,border-color .15s}
.upload.over{background:var(--green-wash);border-color:var(--green)}
.upload>svg{width:30px;height:30px;color:var(--ink-2)}
.upload h2{font-size:1.125rem;font-weight:650;margin:0}
.upload p{margin:2px 0 0;color:var(--ink-2);font-size:.9375rem}
.frow{display:grid;grid-template-columns:auto minmax(0,1fr) auto auto;gap:4px 16px;align-items:center;padding:12px;border-bottom:1px solid var(--rule)}
.frow:hover{background:var(--paper)}
.ficon{width:34px;height:40px;display:grid;place-items:end center;border-radius:3px 9px 3px 3px;font-size:.5625rem;font-weight:800;letter-spacing:.04em;color:#fff;padding-bottom:5px}
.ficon.pdf{background:var(--ink)}
.ficon.img{background:var(--ink-2)}
.ficon.doc{background:var(--ink-3)}
.frow .fn{min-width:0}
.frow .fn a{font-weight:600;color:var(--ink);text-decoration:none;display:block;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.frow .fn a:hover{text-decoration:underline}
.frow .fn span{font-size:.8125rem;color:var(--ink-3)}
.frow.fresh{animation:fresh 1.2s var(--ease) both}
@keyframes fresh{from{background:var(--green-wash-2)}to{background:transparent}}

/* help */
.contact{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:0 32px;margin:0 0 40px;border-top:1.5px solid var(--ink)}
.contact div{padding:16px 0;border-bottom:1px solid var(--rule)}
.contact dt{font-size:.8125rem;color:var(--ink-3)}
.contact dd{margin:4px 0 0;font-size:1.125rem;font-weight:600;overflow-wrap:break-word}
.legal{max-width:78ch;font-size:.9375rem;line-height:1.65;color:var(--ink)}
.legal h2{font-size:1rem;font-weight:700;margin:28px 0 8px}
.legal ol{padding-left:0;list-style:none;counter-reset:none}
.legal li{display:grid;grid-template-columns:44px 1fr;margin:0 0 12px}
.legal li b{font-weight:600}
.help-links{list-style:none;margin:0 0 36px;padding:0;border-top:1px solid var(--rule)}
.help-links li{border-bottom:1px solid var(--rule)}
.help-links a{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 4px;text-decoration:none;color:var(--ink);font-weight:600}
.help-links a:hover{background:var(--paper)}
.help-links a span span{font-weight:400;color:var(--ink-3);font-size:.875rem;display:block}
.help-links svg{width:18px;height:18px;color:var(--ink-3);flex:none}

/* apply */
.carry{list-style:none;margin:18px 0 26px;padding:0;border-top:1px solid var(--rule);max-width:560px}
.carry li{display:grid;grid-template-columns:minmax(0,1fr);gap:12px;align-items:center;padding:10px 0;border-bottom:1px dotted var(--rule);font-size:.9375rem}
.carry svg{width:16px;height:16px;color:var(--orange-deep)}
.carry .unconf{color:var(--ink)}
.carry span{color:var(--ink-3);font-size:.875rem}

/* footer */
.foot{border-top:1px solid var(--rule);background:var(--paper)}
.foot-in{max-width:calc(var(--measure) + 2*var(--gutter));margin:0 auto;padding:28px var(--gutter) 32px;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:14px 40px;font-size:.875rem;color:var(--ink-2)}
.foot-logo{height:26px;margin:0 0 10px}
.foot p{margin:0 0 2px}
.foot-links{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px 22px;align-items:flex-start;justify-content:flex-end}
.foot-eo{grid-column:1/-1;font-style:italic;color:var(--ink-3);font-size:.8125rem}

.tabbar{display:none}
.toast{position:fixed;left:50%;bottom:28px;transform:translate(-50%,20px);opacity:0;pointer-events:none;background:var(--ink);color:#fff;padding:12px 18px;border-radius:var(--radius);font-size:.9375rem;font-weight:500;z-index:60;transition:opacity .2s,transform .3s var(--ease);max-width:calc(100vw - 32px)}
.toast.show{opacity:1;transform:translate(-50%,0)}

/* ---------- responsive ---------- */
@media (max-width:1180px){
  .ledger{--cols:minmax(0,2.4fr) minmax(0,1.3fr) minmax(0,1.15fr) minmax(0,1.2fr) minmax(0,1.2fr) 28px}
  .c-rate,.c-int{display:none}
  .proto{display:none}
}
@media (max-width:1024px){
  .user-name{display:none}
  .flow,.split-page{grid-template-columns:minmax(0,1fr)}
  .side{position:static}
  .flow .slip{display:none}
  .slip-bar{display:flex;position:sticky;bottom:0;z-index:20;margin:0 calc(-1*var(--gutter));padding:12px var(--gutter) calc(12px + env(safe-area-inset-bottom));background:var(--ground);border-top:1px solid var(--rule);align-items:center;justify-content:space-between;gap:14px}
  .slip-bar .sb-t{font-size:.8125rem;color:var(--ink-3);line-height:1.2}
  .slip-bar .sb-t b{display:block;font-size:1.375rem;color:var(--ink);letter-spacing:-.02em}
  .dgrid{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:860px){
  .nav{display:none}
  .tabbar{display:grid;grid-template-columns:repeat(5,1fr);position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--ground);border-top:1px solid var(--rule);padding:6px 4px calc(6px + env(safe-area-inset-bottom))}
  .tabbar a{display:flex;flex-direction:column;align-items:center;gap:3px;font-size:.6875rem;font-weight:600;color:var(--ink-3);text-decoration:none;padding:4px 0;border-radius:var(--radius);position:relative}
  .tabbar a svg{width:22px;height:22px}
  .tabbar a[aria-current="page"]{color:var(--ink)}
  .tabbar a[aria-current="page"]::before{content:"";position:absolute;top:-7px;left:30%;right:30%;height:2px;background:var(--ink)}
  .app{padding-bottom:calc(var(--tab-h) + env(safe-area-inset-bottom))}
  .slip-bar{bottom:calc(var(--tab-h) + env(safe-area-inset-bottom))}
  .toast{bottom:calc(var(--tab-h) + 20px)}
  .foot-in{grid-template-columns:minmax(0,1fr)}
  .foot-links{justify-content:flex-start}
  /* ledger becomes stacked rows */
  .lhead{display:none}
  .lrow{grid-template-columns:minmax(0,1fr) minmax(0,1fr) 24px;gap:10px 14px;padding:16px 4px;align-items:start}
  .lcell small{white-space:normal}
  .lrow .lname{grid-column:1/-1;grid-row:1}
  .lrow .chev-cell{grid-column:3;grid-row:1}
  .lrow .lname{grid-column:1/3}
  .lrow .c-prin,.lrow .c-int,.lrow .c-rate{display:none}
  .lrow .lcell{font-size:1rem}
  .mcap{display:block;font-size:.75rem;font-weight:600;color:var(--ink-3);letter-spacing:.02em;margin-bottom:1px}
  .lrow .c-due{grid-column:1/-1}
  .lrow .c-due .mcap{display:inline;margin-right:6px}
  .lrow .r{text-align:left}
  .lfoot{grid-template-columns:minmax(0,1fr) minmax(0,1fr);padding:14px 4px;gap:8px 14px}
  .lfoot .c-rate,.lfoot .c-int,.lfoot .c-prin,.lfoot .c-due,.lfoot .c-x{display:none}
  .lfoot .r{text-align:left}
  .lfoot .flabel{grid-column:1/-1}
  .chapter-h{padding:22px 4px 8px}
  .ldetail-in{padding:4px 4px 22px}
  .subhead{display:none}
  .subrow{grid-template-columns:minmax(0,1fr) auto;gap:2px 12px}
  .subrow .c-rate,.subrow .c-int,.subrow .c-due,.subrow .c-x,.subrow .c-avail,.subrow .c-prin{display:none}
  .subrow .pname{grid-column:1}
  .subrow .c-pay{grid-column:2;grid-row:1}
  .subrow .c-pay .mcap{display:block}
  .subsum{grid-template-columns:minmax(0,1fr) auto}
  .subsum>:not(.check):not(.c-pay){display:none}
  .plist li{grid-template-columns:minmax(0,1fr) auto}
  .plist li .pl-yr,.plist li .pl-off{display:none}
}
@media (max-width:640px){
  :root{--top-h:57px}
  .top-in{gap:12px;padding:10px 16px}
  .logo{height:26px}
  .brand-sub{font-size:.75rem;padding-left:10px}
  .page{padding:24px 16px 56px}
  .h1{font-size:1.625rem}
  .summary-text{font-size:1.125rem}
  .due{grid-template-columns:auto minmax(0,1fr);padding:14px}
  .due .btn{grid-column:1/-1;width:100%}
  .clear-line{padding:0 14px 14px}
  .actions{width:100%}
  .actions .btn{flex:1 1 auto}
  .fields{gap:22px 16px}
  .f.w3,.f.w4{grid-column:span 6}
  .f.w2{grid-column:span 3}
  .choice .cv{grid-row:auto;grid-column:2;text-align:left}
  .ptable .hide-s{display:none}
  .t .hide-s{display:none}
  .sel select,.search input{min-width:0;width:100%}
  .toolbar>*{width:100%}
  .upload{grid-template-columns:auto minmax(0,1fr)}
  .upload .btn{grid-column:1/-1}
  .frow{grid-template-columns:auto minmax(0,1fr) auto}
  .frow .fsz{display:none}
  .pop{position:fixed;left:12px;right:12px;width:auto;top:calc(var(--top-h) + 6px)}
  .legal li{grid-template-columns:34px 1fr}
}
@media (max-width:640px){
  .table-wrap{overflow:visible}
  table.t,table.t tbody{display:block}
  table.t thead{display:none}
  table.t tr{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:3px 12px;padding:12px 4px;border-bottom:1px solid var(--rule)}
  table.t tr.grp{display:block;padding:0;border:0}
  table.t td{display:block;padding:0;border:0;grid-column:1}
  table.t tr.grp td{display:block;padding:20px 4px 8px}
  table.t td.c-amt{grid-column:2;grid-row:1;text-align:right;font-weight:650}
  table.t td.c-first{font-weight:600}
  table.t tbody tr:hover td{background:none}
  .mini .t{white-space:normal}
  .mini li{grid-template-columns:auto minmax(0,1fr)}
  .mini li>:last-child{grid-column:2}
}
@media (max-width:860px){
  .stmt-loan .lrow{grid-template-columns:minmax(0,1fr) 24px}
  .stmt-loan .lrow .lname{grid-column:1}
  .stmt-loan .lrow .chev-cell{grid-column:2}
  .stmt-loan .lrow .lcell{grid-column:1;text-align:left;font-size:.875rem}
  .srow{grid-template-columns:minmax(0,1fr)}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}

/* ---------- customer loan application ---------- */
.apply-grid{display:grid;grid-template-columns:220px minmax(0,780px);gap:56px;align-items:start}
.rail{position:sticky;top:calc(var(--top-h) + 28px)}
.rail-h{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);margin:0 0 12px}
.rail ol{list-style:none;margin:0;padding:0;border-left:1px solid var(--rule)}
.rail li button{display:flex;align-items:center;gap:10px;width:100%;border:0;background:none;text-align:left;padding:9px 12px;margin-left:-1px;border-left:2px solid transparent;font-weight:500;color:var(--ink-3);font-size:.9375rem}
.rail li.done button{color:var(--green-ink)}
.rail li.cur button{color:var(--ink);font-weight:650;border-left-color:var(--ink)}
.rail li button:disabled{cursor:default}
.rail li button:not(:disabled):hover{background:var(--paper)}
.rail .mark{width:18px;height:18px;border-radius:50%;border:1.5px solid var(--rule-strong);display:grid;place-items:center;flex:none}
.rail .mark svg{width:11px;height:11px;stroke-width:2.4}
.rail li.done .mark{background:var(--green);border-color:var(--green);color:#fff}
.rail li.cur .mark{border-color:var(--ink);box-shadow:inset 0 0 0 4px var(--ground);background:var(--ink)}
.rail-save{display:flex;align-items:center;gap:6px;margin:16px 0 0;font-size:.8125rem;color:var(--ink-3)}
.rail-save svg{width:14px;height:14px;color:var(--green)}
.mstep{display:none}
.apply-main>.lede{margin-bottom:26px}
.step-body{display:grid;gap:22px}
.ab{border-top:1.5px solid var(--ink);padding:16px 0 4px}
.ab-h{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin:0 0 12px}
.ab-h h3{font-size:1.125rem;font-weight:650;margin:0;letter-spacing:-.01em}
.ab-h .fine{margin-top:2px}
.ab-act{display:flex;align-items:center;gap:14px;flex:none}
.ab-foot{margin:14px 0 6px}
.ab.editing .fields{margin-top:8px}
.tag.lockt{background:var(--green-wash);color:var(--green-ink)}
.rec{margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));column-gap:28px}
.rec-row{display:grid;grid-template-columns:minmax(0,11em) minmax(0,1fr);gap:12px;padding:9px 0;border-bottom:1px dotted var(--rule);font-size:.9375rem;align-items:baseline}
.rec-row dt{color:var(--ink-3);font-size:.8125rem}
.rec-row dd{margin:0;font-weight:600;overflow-wrap:anywhere}
.rec-row.unconf .rv{text-decoration:underline dashed var(--orange);text-underline-offset:4px;text-decoration-thickness:1px}
.rec-row.locked dd{color:var(--ink)}
.rec-row.flag .rv{color:var(--orange-deep)}
.f.unconf input,.f.unconf select,.f.unconf .prefix{border-bottom-style:dashed;border-bottom-color:var(--orange)}
.f.unconf .prefix input{border:0}
.static{margin:6px 0 0;font-size:1.25rem;padding-bottom:8px;border-bottom:1.5px solid var(--rule)}
.onfile{display:flex;align-items:center;gap:8px;margin:8px 0 0;font-weight:600}
.onfile svg{width:16px;height:16px;color:var(--green)}
.opt{font-weight:400;color:var(--ink-3);text-transform:none;letter-spacing:0}
.pick-row{display:grid;grid-template-columns:90px minmax(0,1fr);gap:10px 16px;align-items:center;padding:10px 0;border-bottom:1px dotted var(--rule)}
.pick-row .lab,.ab .lab{font-size:.8125rem;font-weight:600;color:var(--ink-2)}
.chips{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.chip.x{background:var(--green-wash);border-color:#c5d4b2;cursor:default;padding:6px 8px 6px 14px}
.chip.x.unconf{background:var(--ground);border-style:dashed;border-color:var(--orange)}
.chip.x button{border:0;background:none;padding:2px;display:grid;place-items:center;color:var(--ink-2);border-radius:50%}
.chip.x button:hover{background:rgba(30,42,27,.08)}
.chip.x svg{width:13px;height:13px}
.sel.inline select{min-width:0;font-size:.9375rem;padding:5px 24px 6px 0;color:var(--green-ink);font-weight:600;border-bottom-color:transparent}
.grid-wrap{overflow-x:auto;border:1px solid var(--rule);border-radius:var(--radius)}
table.cc{border-collapse:collapse;width:100%;font-size:.9375rem}
.cc th,.cc td{padding:10px 14px;border-bottom:1px solid var(--rule);text-align:center}
.cc thead th{font-size:.8125rem;font-weight:700;color:var(--ink-2);background:var(--paper)}
.cc th[scope=row]{text-align:left;font-weight:600}
.cc tr:last-child th,.cc tr:last-child td{border-bottom:0}
.tick{position:relative;display:inline-grid;place-items:center;width:28px;height:28px;border:1.5px solid var(--rule-strong);border-radius:5px;cursor:pointer}
.tick input{position:absolute;opacity:0}
.tick svg{width:15px;height:15px;opacity:0;color:#fff;stroke-width:2.2}
.tick:has(input:checked){background:var(--green);border-color:var(--green)}
.tick:has(input:checked) svg{opacity:1}
.tick:has(input:focus-visible){outline:2px solid var(--ink);outline-offset:2px}
.ct-wrap{margin-top:20px;overflow-x:auto}
table.ctable{width:100%;border-collapse:collapse;font-size:.9375rem}
.ctable th{text-align:left;font-size:.6875rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3);padding:8px 8px;border-bottom:1px solid var(--rule);white-space:nowrap}
.ctable tbody th{font-size:.9375rem;text-transform:none;letter-spacing:0;color:var(--ink);font-weight:650}
.ctable td{padding:8px;border-bottom:1px dotted var(--rule)}
.ctable .r{text-align:right}
.ctable tfoot td{border-bottom:0;border-top:1.5px solid var(--ink);font-weight:700;padding-top:12px}
input.cell{width:100%;min-width:64px;border:0;border-bottom:1.5px solid var(--rule-strong);background:transparent;text-align:right;padding:4px 0 5px;font-size:1rem;font-weight:500}
input.cell:focus{outline:none;border-bottom-color:var(--ink)}
input.cell.unconf{border-bottom-style:dashed;border-bottom-color:var(--orange)}
input.cell.bad{border-bottom-color:var(--orange);border-bottom-style:solid}
.readout{margin-top:16px;padding-top:12px;border-top:1px solid var(--rule);display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.readout .k{color:var(--ink-2)}
.readout .v{font-size:1.5rem;font-weight:650;letter-spacing:-.02em}
.readout .v.neg{color:var(--orange-deep)}
.yn{list-style:none;margin:0;padding:0;border-top:1px solid var(--rule)}
.yn li{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:8px 28px;align-items:center;padding:14px 0;border-bottom:1px solid var(--rule)}
.yn .yq{max-width:60ch}
.yn .yq .req{color:var(--ink-3);font-size:.8125rem;display:block;margin-top:2px}
.yn li.bad .seg{border-color:var(--orange)}
.yn li .err{grid-column:1/-1;margin:0}
.legal-box{max-height:220px;overflow:auto;border:1px solid var(--rule);border-radius:var(--radius);padding:14px 16px;font-size:.875rem;line-height:1.6;color:var(--ink-2);background:var(--paper)}
.step-actions{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:34px;padding-top:20px;border-top:1px solid var(--rule)}
@media (max-width:1024px){
  .apply-grid{grid-template-columns:minmax(0,1fr);gap:0}
  .rail{display:none}
  .mstep{display:block;margin:0 0 16px;font-size:.8125rem;font-weight:600;color:var(--ink-2)}
  .mstep .bar{margin-top:6px}
}
@media (max-width:640px){
  .rec{grid-template-columns:minmax(0,1fr)}
  .rec-row{grid-template-columns:minmax(0,9em) minmax(0,1fr)}
  .ab-h{flex-wrap:wrap}
  .pick-row{grid-template-columns:minmax(0,1fr)}
  .ctable thead{display:none}
  .ctable,.ctable tbody,.ctable tfoot{display:block}
  .ctable tr{display:grid;grid-template-columns:1fr 1fr;gap:6px 16px;padding:12px 0;border-bottom:1px solid var(--rule)}
  .ctable tbody th{grid-column:1/-1;padding:0}
  .ctable td{display:block;padding:0;border:0;text-align:left}
  .ctable td::before{content:attr(data-l);display:block;font-size:.75rem;font-weight:600;color:var(--ink-3)}
  .ctable input.cell{text-align:left}
  .ctable tfoot tr{grid-template-columns:1fr auto;border:0;border-top:1.5px solid var(--ink)}
  .ctable tfoot td{border:0;padding:0}
  .yn li{grid-template-columns:minmax(0,1fr)}
  .step-actions{position:sticky;bottom:calc(var(--tab-h) + env(safe-area-inset-bottom));background:var(--ground);margin:28px -16px 0;padding:12px 16px}
  .step-actions .btn.primary{flex:1}
}
.f label.choice{display:grid;margin:0;font-size:1rem;font-weight:400;color:var(--ink)}
.f .seg label{display:inline-block;margin:0;font-size:.9375rem;font-weight:600;color:inherit}
.cc thead th:first-child{text-align:left}

/* applications in progress (home) */
.drafts{margin:0 0 34px}
.drafts .chapter-h{padding-left:0;padding-right:0}
.draft-row{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(0,1.2fr) auto auto;gap:10px 28px;align-items:center;padding:16px 0;border-bottom:1px solid var(--rule)}
.dr-name b{display:block;font-weight:650;font-size:1.0625rem}
.dr-name span{display:block;font-size:.875rem;color:var(--ink-3);margin-top:1px}
.dr-prog span{font-size:.875rem;color:var(--ink-2);font-weight:600}
.dr-prog .bar{margin-top:6px;max-width:220px}
.dr-saved{font-size:.875rem;white-space:nowrap}
.dr-act{display:flex;align-items:center;gap:16px;justify-content:flex-end;flex-wrap:wrap}
.dr-confirm{font-size:.875rem;color:var(--ink-2)}
.rail-exit{margin-top:8px;font-size:.875rem}
@media (max-width:860px){
  .draft-row{grid-template-columns:minmax(0,1fr) auto}
  .dr-prog{grid-column:1/-1;grid-row:2}
  .dr-saved{grid-column:1;grid-row:3}
  .dr-act{grid-column:1/-1;grid-row:4;justify-content:flex-start}
  .dr-act .btn{flex:1}
}

/* license scan (application) */
.scan-strip{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:10px 16px;align-items:center;background:var(--green-wash);border-radius:var(--radius);padding:12px 14px;margin:0 0 16px}
.scan-strip .lic-ico{width:40px;height:28px;color:var(--green-ink);stroke-width:1.6}
.ss-t b{display:block;font-weight:650;font-size:.9375rem}
.ss-t span{display:block;font-size:.8125rem;color:var(--ink-2);margin-top:1px}
.ss-a{display:flex;align-items:center;gap:14px;flex-wrap:wrap;justify-content:flex-end}
.ss-a .btn svg{width:17px;height:17px}
.ss-a label.link-btn{cursor:pointer;font-size:.875rem}
.lic{position:relative;width:96px;aspect-ratio:85.6/54;border-radius:7px;overflow:hidden;background:var(--green-wash-2);isolation:isolate}
.lic img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.lic .beam{position:absolute;inset:0;background:linear-gradient(180deg,transparent 0,rgba(110,150,64,0) 70%,rgba(110,150,64,.4) 96%,var(--green) 100%) no-repeat;background-size:100% 40%;animation:beam 1.5s var(--ease) forwards}
@keyframes beam{from{background-position:0 -40%}to{background-position:0 140%}}
.lic.done::after{content:"";position:absolute;inset:0;box-shadow:inset 0 0 0 2.5px var(--green);border-radius:7px}
.scan-strip.reading{background:var(--paper)}
.tag.scan{background:none;color:var(--orange-deep);padding:0 0 0 6px}
.rec-row .tag{margin-left:6px;vertical-align:1px}
@media (max-width:640px){
  .scan-strip{grid-template-columns:auto minmax(0,1fr)}
  .ss-a{grid-column:1/-1;justify-content:flex-start}
  .ss-a .btn{flex:1}
}

/* co-borrower block */
.ab.cob{padding-bottom:10px}
.cob-q{padding:4px 0 6px}
.cob-qt{font-weight:650;font-size:1rem;margin:0 0 10px}
.cob-g{margin-top:22px;padding-top:16px;border-top:1px solid var(--rule)}
.cob-gh{margin:0 0 12px}
.cob-gh h4{margin:0;font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2)}
.cob-gh .fine{margin-top:2px}
.cob-g .fields{gap:20px 22px}
.dl-note{margin:0 0 14px}
.dl-note p+p{margin-top:2px}
.start-row{display:grid;grid-template-columns:auto minmax(0,1fr) auto;gap:10px 16px;align-items:center;padding:16px 0;border-bottom:1px solid var(--rule)}
.start-ico{width:36px;height:36px;border-radius:50%;background:var(--green-wash);color:var(--green-ink);display:grid;place-items:center}
.start-ico svg{width:18px;height:18px;stroke-width:2}
@media (max-width:860px){
  .start-row{grid-template-columns:auto minmax(0,1fr)}
  .start-row .dr-act{grid-column:1/-1;justify-content:flex-start}
  .start-row .dr-act .btn{flex:1}
}

/* apply chooser + home reminder */
.page-head>.btn svg{width:17px;height:17px}
.draft-line{align-items:flex-start}
.draft-line svg{color:var(--ink-3)!important;margin-top:3px;flex:none}
.opt-h{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2);margin:34px 0 10px}
.opt-list{border-top:1.5px solid var(--ink)}
.opt-row{border-bottom:1px solid var(--rule)}
.opt-link{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:6px 24px;align-items:center;padding:18px 4px;text-decoration:none;color:var(--ink);transition:background-color .15s}
.opt-row.draft .opt-link{grid-template-columns:minmax(0,1fr) minmax(0,220px) auto;padding-bottom:6px}
.opt-link:hover{background:var(--paper)}
.opt-link>svg{width:20px;height:20px;color:var(--ink-3)}
.opt-link .dr-prog{display:block}
.opt-link .dr-prog .bar{display:block;margin-top:6px}
.opt-row .dr-act{justify-content:flex-start;gap:16px;padding:0 4px 14px;font-size:.875rem}
@media (max-width:640px){
  .page-head>.btn{width:100%}
  .opt-row.draft .opt-link{grid-template-columns:minmax(0,1fr) auto}
  .opt-row.draft .dr-prog{grid-column:1;grid-row:2}
}
.btn.green{background:var(--green-ink);color:#fff;box-shadow:0 1px 2px rgba(30,52,14,.25),0 6px 14px -8px rgba(74,108,39,.6)}
.btn.green:hover{background:#3d5a20}
.btn.green:active{transform:translateY(1px)}
.btn.green svg{stroke-width:2.2}

/* empty states */
.empty-state{border-top:1.5px solid var(--ink);border-bottom:1px solid var(--rule);padding:36px 0 34px;margin:8px 0 24px;max-width:640px}
.page:not(.narrow) .empty-state{max-width:none}
.es-ico{width:44px;height:44px;border-radius:50%;background:var(--green-wash);color:var(--green-ink);display:grid;place-items:center;margin:0 0 16px}
.es-ico svg{width:22px;height:22px}
.empty-state p{margin:6px 0 0;color:var(--ink-2);max-width:56ch}
.empty-state .actions{margin-top:20px}
.pop-sep{padding:12px 12px 4px;margin-top:4px;border-top:1px solid var(--rule);font-size:.6875rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-3)}
.attention + .empty-state{border-top:0;padding-top:20px}

/* ---------- searchable custom select ---------- */
.cb-native{position:absolute!important;width:1px!important;height:1px!important;opacity:0!important;pointer-events:none!important;overflow:hidden;clip:rect(0 0 0 0)}
.cb{position:relative;min-width:0}
.cb .cb-input{width:100%;padding-right:30px!important;text-overflow:ellipsis;cursor:pointer;caret-color:var(--orange)}
.cb.open .cb-input{cursor:text}
.cb .cb-input::placeholder{color:var(--ink-3);opacity:1}
.cb-chev{position:absolute;right:2px;bottom:12px;width:18px;height:18px;color:var(--ink);cursor:pointer;transition:transform .2s var(--ease)}
.cb.open .cb-chev{transform:rotate(180deg)}
.cb-list{position:absolute;left:0;right:0;top:calc(100% + 4px);min-width:220px;max-height:288px;overflow:auto;margin:0;padding:4px;list-style:none;background:var(--ground);border:1px solid var(--rule-strong);border-radius:var(--radius);box-shadow:0 12px 28px -8px rgba(30,42,27,.25);z-index:35;animation:popin .15s var(--ease) both}
.cb.up .cb-list{top:auto;bottom:calc(100% + 4px)}
.cb-list li{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:10px 12px;border-radius:4px;cursor:pointer;font-size:1rem;color:var(--ink);line-height:1.3}
.cb-list li.on{background:var(--green-wash)}
.cb-list li[aria-selected="true"]{font-weight:650}
.cb-list li svg{width:16px;height:16px;flex:none;color:var(--green-ink);stroke-width:2.2}
.cb-list li[aria-disabled="true"]{color:var(--ink-3);cursor:default}
.cb-list .cb-none{color:var(--ink-3);cursor:default;font-style:italic}
.cb-list mark{background:var(--green-wash-2);color:inherit;font-weight:700;border-radius:2px;padding:0 1px}
/* toolbar and inline variants */
.sel .cb-input{display:block;border:0;border-bottom:1.5px solid var(--rule-strong);background:transparent;padding:6px 0 7px;font-size:1rem;color:var(--ink);font-weight:500;border-radius:0;min-width:220px}
.sel .cb-input:focus{outline:none;border-bottom-color:var(--ink);box-shadow:0 1.5px 0 var(--ink)}
.sel .cb-chev{bottom:9px;width:16px;height:16px}
.sel.inline .cb-input{min-width:170px;font-size:.9375rem;color:var(--green-ink);font-weight:600;border-bottom-color:transparent}
.sel.inline .cb-input::placeholder{color:var(--green-ink)}
.sel.inline .cb-chev{color:var(--green-ink)}
@media (max-width:640px){.sel .cb-input{min-width:0}}