/* --------------------------------
   BRAND & GLOBAL
----------------------------------- */
:root {
    --brand-blue: #0050b3;       /* Deeper, more institutional blue */
    --brand-blue-light: #1d8fff;
    --brand-orange: #f58025;
    --black: #000000;
    --white: #ffffff;

    --bg-main: #f4f6fb;
    --bg-alt: #e8f0ff;
    --card-bg: #ffffff;
    --border-subtle: #d1d5e6;

    --text-main: #111827;        /* Darker, cleaner text */
    --text-muted: #4b5563;       /* Still readable on white */

    --radius-md: 16px;
    --radius-lg: 24px;

    --shadow-soft: 0 18px 45px rgba(15, 23, 42, 0.12);

    --transition-fast: 150ms ease-out;
}

/* Reset & base */
*,
*::before,
*::after {
    box-sizing: border-box;
}

html, body {
    margin: 0;
    padding: 0;
}

body {
    font-family: 'Montserrat', system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    background:
        radial-gradient(circle at top left, rgba(0, 80, 179, 0.12), transparent 55%),
        radial-gradient(circle at bottom right, rgba(245, 128, 37, 0.08), transparent 55%),
        var(--bg-main);
    color: var(--text-main);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

img {
    max-width: 100%;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
}
a {
    color: var(--brand-blue);
}

.container {
    width: 100%;
    max-width: 1140px;
    margin: 0 auto;
    padding: 0 1.25rem;
}

/* --------------------------------
   HEADER (FORTUNE 500 STYLE)
----------------------------------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid #e2e8f0;
}

.header-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.85rem 0;
}

/* LOGO */
.logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.logo-img {
    height: 72px;
    width: auto;
}

/* NAV */
.nav-links {
    display: flex;
    align-items: center;
    gap: 1.6rem;
    font-size: 0.94rem;
    font-weight: 500;
}

.nav-links a {
    color: #111827;
    position: relative;
    padding-bottom: 0.1rem;
    transition:
        color var(--transition-fast),
        opacity var(--transition-fast),
        transform var(--transition-fast);
}

.nav-links a::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: -0.25rem;
    width: 0;
    height: 2px;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--brand-blue), var(--brand-blue-light));
    transition: width var(--transition-fast);
}

/* Optional active state (if you add class="nav-active" in templates) */
.nav-links a.nav-active {
    color: var(--brand-blue);
    font-weight: 600;
}

.nav-links a.nav-active::after {
    width: 100%;
}

.nav-links a:hover {
    color: var(--brand-blue);
}

.nav-links a:hover::after {
    width: 100%;
}

/* --------------------------------
   BUTTONS
----------------------------------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.6rem 1.3rem;
    border-radius: 999px;
    font-size: 0.9rem;
    font-weight: 600;
    cursor: pointer;
    border: 1px solid transparent;
    transition:
        background-color var(--transition-fast),
        color var(--transition-fast),
        transform var(--transition-fast),
        box-shadow var(--transition-fast),
        border-color var(--transition-fast);
    text-align: center;
    gap: 0.35rem;
}

.btn-primary {
    background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-light));
    color: var(--white);
    box-shadow: 0 16px 35px rgba(0, 80, 179, 0.35);
}

.btn-primary:hover {
    transform: translateY(-1px);
    box-shadow: 0 20px 45px rgba(0, 80, 179, 0.45);
}

.btn-secondary {
    background: #e0edff;
    border-color: #c2d7ff;
    color: #111827;
}

.btn-secondary:hover {
    background: #d2e4ff;
}

.btn-outline {
    background: transparent;
    border-color: #cbd5f5;
    color: var(--brand-blue);
    font-weight: 600;
}

.btn-outline:hover {
    background: #e4edff;
}

.btn-full {
    width: 100%;
}

.cta-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.7rem 1.6rem;
    border-radius: 999px;
    background: var(--brand-orange);
    color: var(--white);
    font-weight: 600;
    border: none;
    cursor: pointer;
    transition:
        transform var(--transition-fast),
        box-shadow var(--transition-fast),
        background-color var(--transition-fast);
}

.cta-button:hover {
    transform: translateY(-1px);
    box-shadow: 0 18px 40px rgba(245, 128, 37, 0.45);
    background: #ff8f3c;
}

/* --------------------------------
   HERO
----------------------------------- */
.hero {
    padding: 3.4rem 0 3.6rem;
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.45fr) minmax(0, 1fr);
    gap: 2.6rem;
    align-items: center;
}

.hero-copy h1 {
    font-size: 2.6rem;
    line-height: 1.15;
    margin: 0 0 0.8rem;
    color: #0b1020;
}

.hero-copy p {
    margin: 0;
    max-width: 34rem;
    color: var(--text-muted);
    font-size: 1rem;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.9rem;
    margin-top: 1.7rem;
}

.hero-subtext {
    margin-top: 1.1rem;
    font-size: 0.88rem;
    color: var(--text-muted);
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
}

.dot {
    width: 7px;
    height: 7px;
    border-radius: 999px;
    background: var(--brand-orange);
}

/* HERO FORM (if used) */
.hero-form-card {
    background: var(--card-bg);
    border-radius: var(--radius-lg);
    padding: 1.9rem 1.7rem;
    box-shadow: var(--shadow-soft);
    border: 1px solid #d7dcec;
}

.hero-form-card h2 {
    margin: 0 0 0.35rem;
    font-size: 1.25rem;
    color: #0b1020;
}

.form-subtitle {
    margin: 0 0 1.15rem;
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* --------------------------------
   FORM ELEMENTS
----------------------------------- */
.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
    margin-bottom: 0.9rem;
}

.form-group label {
    font-size: 0.85rem;
    color: #374151;
}

.form-group input,
.form-group select,
.form-group textarea,
.contact-form input,
.contact-form textarea {
    border-radius: 999px;
    border: 1px solid var(--border-subtle);
    padding: 0.55rem 0.95rem;
    font-size: 0.9rem;
    background: #f9fafb;
    color: var(--text-main);
    outline: none;
    transition:
        border-color var(--transition-fast),
        box-shadow var(--transition-fast),
        background-color var(--transition-fast);
}

/* textarea size fix */
.contact-form textarea,
.hero-form-card textarea {
    border-radius: 16px;
    resize: vertical;
}

/* placeholders */
.form-group input::placeholder,
.form-group select::placeholder,
.form-group textarea::placeholder,
.contact-form input::placeholder,
.contact-form textarea::placeholder {
    color: #9ca3af;
    font-size: 0.9rem;
    opacity: 0.95;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus,
.contact-form input:focus,
.contact-form textarea:focus {
    border-color: var(--brand-blue);
    box-shadow: 0 0 0 1px rgba(0, 80, 179, 0.35);
    background: #ffffff;
}

.form-footnote {
    margin-top: 0.7rem;
    font-size: 0.75rem;
    color: var(--text-muted);
    text-align: center;
}

.char-count {
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-top: -0.1rem;
    margin-bottom: 0.4rem;
    text-align: right;
}

/* --------------------------------
   GENERIC SECTIONS
----------------------------------- */
.section {
    padding: 8rem 0;
}

.section-alt {
    background: var(--bg-alt);
}

.section-header {
    text-align: center;
    max-width: 34rem;
    margin: 0 auto 2.3rem;
}

.section-header h2 {
    margin-bottom: 0.4rem;
    font-size: 1.6rem;
    color: #0b1020;
}

.section-header p {
    margin: 0;
    color: var(--text-muted);
}

/* --------------------------------
   CARD GRID
----------------------------------- */
.card-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.4rem;
}

.card {
    background: #ffffff;
    border-radius: var(--radius-md);
    padding: 1.3rem 1.2rem;
    border: 1px solid var(--border-subtle);
    box-shadow: 0 14px 30px rgba(148, 163, 184, 0.24);
    transition:
        transform var(--transition-fast),
        box-shadow var(--transition-fast),
        border-color var(--transition-fast),
        background-color var(--transition-fast);
}

.card:hover {
    transform: translateY(-3px);
    border-color: rgba(0, 80, 179, 0.55);
    box-shadow: 0 20px 40px rgba(148, 163, 184, 0.4);
    background: radial-gradient(circle at top left, rgba(0, 80, 179, 0.06), #ffffff);
}

.card h3 {
    margin: 0 0 0.4rem;
    font-size: 1.02rem;
    color: #0b1020;
}

.card p {
    margin: 0;
    font-size: 0.9rem;
    color: var(--text-muted);
}

/* --------------------------------
   STEPS
----------------------------------- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.4rem;
}

.step {
    position: relative;
    padding: 1.2rem 1.2rem 1.3rem;
    border-radius: var(--radius-md);
    border: 1px dashed rgba(148, 163, 184, 0.9);
    background: radial-gradient(circle at top left, rgba(0, 80, 179, 0.1), transparent 70%), #ffffff;
}

.step-number {
    width: 30px;
    height: 30px;
    border-radius: 999px;
    background: rgba(0, 80, 179, 0.08);
    color: var(--brand-blue);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: 0.7rem;
}

/* --------------------------------
   CTA SECTION
----------------------------------- */
.section-cta {
    background: linear-gradient(135deg, #eef2ff, #f9fbff);
    border-top: 1px solid #dde3f0;
}

.cta-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.9rem;
}

.cta-content h2 {
    margin: 0 0 0.4rem;
    color: #0b1020;
}

.cta-content p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.95rem;
}

.cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.8rem;
}

/* --------------------------------
   CONTACT SECTION (generic)
----------------------------------- */
.contact {
    padding: 3.6rem 1.25rem 4rem;
    text-align: center;
}

.contact h2 {
    margin-bottom: 1rem;
    color: #0b1020;
}

.contact-form {
    max-width: 520px;
    margin: 0 auto;
    text-align: left;
    background: var(--card-bg);
    padding: 1.8rem 1.5rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-soft);
    border: 1px solid #dde3f0;
}

.contact-form label {
    display: block;
    font-size: 0.85rem;
    color: #374151;
    margin-bottom: 0.55rem;
}

.contact-form input,
.contact-form textarea {
    width: 100%;
    margin-top: 0.25rem;
    margin-bottom: 0.9rem;
}

/* Spinner */
.spinner {
    display: none;
    margin: 0.8rem auto;
    border: 3px solid rgba(148, 163, 184, 0.3);
    border-top: 3px solid var(--brand-blue);
    border-radius: 50%;
    width: 26px;
    height: 26px;
    animation: spin 0.75s linear infinite;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

.success-message {
    display: none;
    margin-top: 0.8rem;
    color: #16a34a;
    font-size: 0.85rem;
}

.error-message {
    display: none;
    margin-top: 0.8rem;
    color: #dc2626;
    font-size: 0.85rem;
}

/* --------------------------------
   FOOTER – INSTITUTIONAL
----------------------------------- */
.footer-new {
    background: radial-gradient(circle at top left, rgba(56, 189, 248, 0.08), transparent 60%), #020617;
    padding: 3rem 0 2rem;
    border-top: 1px solid rgba(148, 163, 184, 0.5);
}

.footer-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr));
    gap: 2.5rem;
}

.footer-logo {
    width: 150px;
    margin-bottom: 1rem;
}

.footer-tagline {
    color: #9ca3af;
    font-size: 0.9rem;
    max-width: 16rem;
}

.footer-col h3 {
    margin-bottom: .8rem;
    text-transform: uppercase;
    font-size: .82rem;
    letter-spacing: .08em;
    color: #e5e7eb;
}

.footer-col ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-col ul li {
    margin-bottom: .35rem;
}

.footer-col a {
    color: #9ca3af;
    font-size: 0.9rem;
    transition: color 0.18s ease, transform 0.18s ease;
}

.footer-col a:hover {
    color: var(--brand-blue-light);
    transform: translateX(1px);
}

/* Contact lines */
.footer-col p {
    margin: 0 0 0.3rem;
    font-size: 0.9rem;
    color: #9ca3af;
}

.footer-col i {
    margin-right: 0.4rem;
}

.footer-bottom {
    text-align: center;
    margin-top: 2rem;
    padding-top: 1.1rem;
    border-top: 1px solid rgba(148, 163, 184, 0.4);
    color: #6b7280;
    font-size: .85rem;
}

/* SOCIAL ICONS (if used) */
.footer-social {
    margin-top: 0.7rem;
    display: flex;
    gap: 0.8rem;
    font-size: 1.2rem;
}

.footer-social a {
    color: #9ca3af;
}

.footer-social a:hover {
    color: var(--brand-blue-light);
}

/* --------------------------------
   RESPONSIVE (global)
----------------------------------- */
@media (max-width: 900px) {
    .hero-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .hero-form-card {
        max-width: 440px;
        margin: 0 auto;
    }

    .card-grid,
    .steps-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .cta-content {
        flex-direction: column;
        align-items: flex-start;
    }

    .footer-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 640px) {
    .nav-links {
        display: none; /* keep simple for now */
    }

    .header-content {
        padding: 0.6rem 0;
    }

    .logo-img {
        height: 52px;
    }

    .hero {
        padding-top: 2.4rem;
    }

    .hero-copy h1 {
        font-size: 2.1rem;
    }

    .card-grid,
    .steps-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .container {
        padding: 0 1rem;
    }

    .footer-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}

/* -------------------------------
   ERROR PAGES (404 / 500)
-------------------------------- */
.error-body {
    background: var(--bg-main);
    color: var(--text-main);
    display: flex;
    align-items: center;
    justify-content: center;
    min-height: 100vh;
    padding: 2rem;
    text-align: center;
}

.error-container {
    max-width: 480px;
    margin: 4rem auto;
    text-align: center;
}

.error-code {
    font-size: 6rem;
    font-weight: 700;
    color: var(--brand-blue);
    margin: 0 0 1rem;
    text-shadow: 0 0 20px rgba(0, 80, 179, 0.35);
}

.error-message {
    font-size: 1.2rem;
    color: var(--text-muted);
    margin-bottom: 2rem;
}

/* --------------------------------
   COMING SOON PAGE
----------------------------------- */
.coming-soon-body {
    margin: 0;
    min-height: 100vh;
    background:
        radial-gradient(circle at top left, rgba(0, 80, 179, 0.12), transparent 55%),
        radial-gradient(circle at bottom right, rgba(245, 128, 37, 0.10), transparent 55%),
        #f5f7fb;
    color: var(--text-main);
    font-family: 'Montserrat', system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    -webkit-font-smoothing: antialiased;
}

.coming-soon-overlay {
    position: fixed;
    inset: 0;
    background: radial-gradient(circle at center, rgba(15, 23, 42, 0.04), transparent 60%);
    pointer-events: none;
}

.coming-soon-container {
    position: relative;
    z-index: 1;
    width: 100%;
    max-width: 480px;
    padding: 0 1.5rem;
}

.coming-soon-card {
    background: #ffffff;
    border-radius: 24px;
    padding: 2.5rem 2rem 2.3rem;
    border: 1px solid #e5e7eb;
    box-shadow: var(--shadow-soft);
    text-align: center;
}

.coming-soon-logo {
    max-width: 220px;
    margin: 0 auto 1.5rem;
}

.coming-soon-title {
    margin: 0 0 0.6rem;
    font-size: 1.4rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: #0b1020;
}

.coming-soon-subtitle {
    margin: 0;
    font-size: 0.98rem;
    color: var(--text-muted);
}

/* small tweak for mobile */
@media (max-width: 480px) {
    .coming-soon-card {
        padding: 2rem 1.4rem 1.9rem;
    }

    .coming-soon-title {
        font-size: 1.2rem;
        letter-spacing: 0.14em;
    }

    .coming-soon-logo {
        max-width: 190px;
        margin-bottom: 1.2rem;
    }
}

.contact-section {
    margin-top: 40px;
    text-align: center;
    color: var(--text-main);
}

.contact-title {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 10px;
}

.contact-description {
    font-size: 1rem;
    margin-bottom: 20px;
    opacity: 0.9;
    color: var(--text-muted);
}

.contact-details p {
    margin: 5px 0;
    font-size: 1.05rem;
}

.contact-details a {
    color: var(--brand-blue);
    text-decoration: none;
    font-weight: 600;
}

/* --------------------------------
   APPLICATION WIZARD
----------------------------------- */
.application-shell {
    padding-top: 3rem;
    padding-bottom: 4rem;
    color: var(--text-main);
    background: var(--bg-main);
}

.application-hero {
    padding: 1.5rem 0 0.5rem;
}

.application-hero h1 {
    margin: 0 0 0.35rem;
    font-size: 1.9rem;
    color: #0b1020;
}

.application-hero p {
    margin: 0;
    color: var(--text-muted);
    max-width: 36rem;
}

.application-main {
    padding-top: 1.5rem;
}

.application-card {
    background: #ffffff;
    border-radius: var(--radius-lg);
    padding: 1.9rem 1.6rem 2.1rem;
    box-shadow: var(--shadow-soft);
    border: 1px solid #dde3f0;
}

/* Required star (avoid double star on checkbox labels) */
label.required:not(.checkbox-inline):not(.checkbox-block)::after,
.checkbox-inline.required span::after,
.checkbox-block.required span::after,
.label.required::after {
  content: " *";
  color: #dc2626;
  font-weight: 600;
}
/* Progress bar */
.app-progress {
    margin-bottom: 1.25rem;
}

.app-progress-track {
    position: relative;
    height: 4px;
    border-radius: 999px;
    background: #e5e7eb;
    overflow: hidden;
}

.app-progress-bar {
    height: 100%;
    width: 0%;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--brand-blue), var(--brand-blue-light));
    transition: width 200ms ease-out;
}

.app-progress-steps {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(7, minmax(0, 1fr));
    gap: 0.25rem;
    margin: 0.65rem 0 0;
    padding: 0;
    font-size: 0.75rem;
    color: var(--text-muted);
}

.app-progress-steps li {
    text-align: center;
    opacity: 0.7;
}

.app-progress-steps li.active {
    opacity: 1;
    color: #0b1020;
    font-weight: 600;
}

/* Step error banner */
.step-error-banner {
    display: none;            /* hide until JS shows it */
    margin-bottom: 1rem;
    padding: 0.6rem 0.75rem;
    border-radius: 10px;
    background: #fef2f2;
    border: 1px solid #fecaca;
    font-size: 0.85rem;
    color: #b91c1c;
}
/* Bottom error banner, near the Continue button */
.step-error-banner--bottom {
    margin-top: 0.75rem;
    margin-bottom: 0; /* we’re right above the nav bar */
}

/* Desktop: show top banner, hide bottom one by default */
.step-error-banner--bottom {
    display: none;
}

/* Mobile: hide the top error banner, show the bottom one instead */
@media (max-width: 640px) {
    .step-error-banner {
        display: none !important;
    }
    .step-error-banner--bottom {
        display: block;
    }
}

/* Steps */
.app-step {
    display: none;
}

.app-step.active {
    display: block;
}

.app-step h2 {
    margin: 0 0 0.4rem;
    font-size: 1.3rem;
    color: #0b1020;
}

.step-subtitle {
    margin: 0 0 1.4rem;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.step-section-title {
    margin: 1.4rem 0 0.7rem;
    font-size: 0.94rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
}

.step-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.9rem;
}

/* Radio and checkbox styling */
.radio-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    font-size: 0.88rem;
}

.radio-row label {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
}

/* Radio pills for yes/no */
.radio-pill-group {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.radio-pill-group.has-error {
    outline: 1px solid rgba(220, 38, 38, 0.9);
    border-radius: 999px;
    padding: 0.25rem 0.3rem;
}

.radio-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    border-radius: 999px;
    padding: 0.35rem 0.85rem;
    border: 1px solid rgba(148, 163, 184, 0.9);
    background: #f9fafb;
    cursor: pointer;
    font-size: 0.86rem;
    transition: background 120ms ease-out, border-color 120ms ease-out, color 120ms ease-out;
}

.radio-pill input {
    display: none;
}

.radio-pill span {
    display: inline-block;
}

.radio-pill input:checked + span {
    background: linear-gradient(90deg, var(--brand-blue), var(--brand-blue-light));
    color: #ffffff;
    padding-inline: 0.4rem;
    border-radius: 999px;
    font-weight: 600;
}

/* Checkboxes */
.checkbox-inline,
.checkbox-block {
    display: flex;
    align-items: flex-start;
    gap: 0.5rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

.checkbox-block {
    background: #f9fafb;
    border-radius: 12px;
    padding: 0.75rem 0.9rem;
    border: 1px solid #e5e7eb;
    margin-bottom: 0.65rem;
}

.checkbox-inline input,
.checkbox-block input {
    margin-top: 0.1rem;
}

/* SSN wrapper and ghost button */
.ssn-wrapper {
    display: flex;
    align-items: stretch;
    gap: 0.4rem;
}

.ssn-wrapper input {
    flex: 1;
}

.btn-ghost.ssn-toggle {
    border-radius: 10px;
    border: 1px solid rgba(148, 163, 184, 0.9);
    background: #ffffff;
    padding: 0 0.7rem;
    font-size: 0.8rem;
    cursor: pointer;
    white-space: nowrap;
}

/* Consents + fine print */
.consent-box {
    margin-top: 1.1rem;
}

.consent-list {
    margin-top: 0.8rem;
}

.fine-print {
    margin-top: 0.4rem;
    font-size: 0.78rem;
    color: var(--text-muted);
}

/* Error state for fields */
.form-group.has-error input,
.form-group.has-error select,
.form-group.has-error textarea {
    border-color: rgba(220, 38, 38, 0.9);
    box-shadow: 0 0 0 1px rgba(220, 38, 38, 0.28);
}

/* Optional hint text */
.field-hint {
    margin-top: 0.3rem;
    font-size: 0.78rem;
    color: var(--text-muted);
}

/* Step actions */
.step-actions {
    display: flex;
    justify-content: space-between;
    gap: 0.75rem;
    margin-top: 1.6rem;
}

.leave-warning {
    margin-top: 1.1rem;
    font-size: 0.78rem;
    color: var(--text-muted);
    text-align: center;
}

/* Messages override for application context */
.application-card .success-message,
.application-card .error-message {
    text-align: left;
}

/* Document grid + dropzones */
.document-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr);
    gap: 1rem;
}

.dropzone {
    border-radius: 14px;
    border: 1.5px dashed rgba(148, 163, 184, 0.9);
    background: #f9fafb;
    padding: 0.9rem 0.8rem;
    text-align: center;
    cursor: pointer;
    transition: border-color 120ms ease-out, background 120ms ease-out, transform 120ms ease-out;
    font-size: 0.84rem;
}

.dropzone p {
    margin: 0.2rem 0;
}

.dropzone span {
    text-decoration: underline;
}

.dropzone input[type="file"] {
    display: none;
}

.dropzone-file-name {
    font-size: 0.78rem;
    color: var(--text-muted);
}

.dropzone.drag-over {
    border-color: var(--brand-blue);
    background: rgba(219, 234, 254, 0.7);
    transform: translateY(-1px);
}

/* Responsive */
@media (max-width: 900px) {
    .application-card {
        padding-inline: 1.15rem;
    }

    .step-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .app-progress-steps {
        grid-template-columns: repeat(3, minmax(0, 1fr));
        row-gap: 0.3rem;
    }

    .document-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}

@media (max-width: 640px) {
    .application-shell {
        padding-top: 2.2rem;
    }

    .application-card {
        padding-inline: 1rem;
    }

    .app-progress-steps {
        font-size: 0.7rem;
    }

    /*.step-actions {*/
    /*    flex-direction: column-reverse;*/
    }

    /*.step-actions .btn {*/
    /*    width: 100%;*/
    }
}

/* Phone input with +1 prefix */
.phone-wrapper {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.phone-prefix {
    padding: 0.45rem 0.6rem;
    border-radius: 10px;
    border: 1px solid rgba(148, 163, 184, 0.9);
    background: #eff1f5;
    font-size: 0.85rem;
    color: var(--text-muted);
    white-space: nowrap;
}

/* SSN Show/Hide button text */
.ssn-toggle {
    color: #111827 !important;
}

/* Make Step 1 feel a bit “larger” */
.app-step[data-step="0"] h2 {
    font-size: 1.6rem;
}

.app-step[data-step="0"] .step-subtitle {
    font-size: 0.95rem;
}

.app-step[data-step="0"] .consent-box span {
    font-size: 0.85rem;
    line-height: 1.5;
}

/* Same as business row */
.copy-address-row {
    display: flex;
    justify-content: flex-end;
    margin-bottom: 0.75rem;
}

.copy-address-row label {
    font-size: 0.9rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

/* Upload progress styling */
.upload-progress-wrapper {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    min-height: 18px;
}

.upload-progress-wrapper {
    margin-top: 0.5rem;
    flex-direction: row;
    align-items: center;
    gap: 0.5rem;
    min-height: 1.5rem;
    flex-wrap: wrap;
}

.upload-progress {
    margin-top: 0.1rem;
    height: 5px;
    border-radius: 999px;
    background: rgba(209, 213, 219, 0.8);
    overflow: hidden;
    min-width: 140px;
    max-width: 180px;
}

.upload-progress-bar {
    height: 100%;
    width: 0;
    border-radius: 999px;
    background: linear-gradient(90deg, #4fd1c5, #3182ce);
    transition: width 0.2s ease-out;
}

.upload-progress-text {
    font-size: 0.75rem;
    color: #4b5563;
    white-space: nowrap;
}

.dropzone-actions {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-top: 0.4rem;
    gap: 0.75rem;
}

.dropzone-remove {
    border: none;
    background: transparent;
    font-size: 0.85rem;
    text-decoration: underline;
    cursor: pointer;
    padding: 0;
    color: #111827 !important;
}

/* ---------------------------------------------
   Hyperlink Styling for Application Pages
--------------------------------------------- */

.application-card a,
.consent-box a,
.consent-list a,
.fine-print a {
    color: var(--brand-blue);
    text-decoration: underline;
    font-weight: 600;
    transition: color 0.2s ease-in-out, opacity 0.2s ease-in-out;
}

.application-card a:hover,
.consent-box a:hover,
.consent-list a:hover,
.fine-print a:hover {
    color: var(--brand-blue-light);
    opacity: 0.9;
    text-decoration: underline;
}

.application-card a:active,
.consent-box a:active,
.consent-list a:active,
.fine-print a:active {
    opacity: 0.8;
}

.checkbox-block span a {
    color: var(--brand-blue);
    font-weight: 600;
}

.application-card a:visited,
.consent-box a:visited,
.consent-list a:visited,
.fine-print a:visited {
    color: var(--brand-blue);
}

.application-card span a {
    padding: 0 2px;
}

.application-card a:focus,
.consent-list a:focus,
.fine-print a:focus {
    outline: 2px solid var(--brand-blue);
    outline-offset: 2px;
}

/* --------------------------------
   DOCUMENTS STEP (PLAID + UPLOADS)
----------------------------------- */

.documents-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
    gap: 1.3rem;
    margin-top: 1.1rem;
}

.documents-option {
    background: #ffffff;
    border-radius: 18px;
    padding: 1rem 1rem 1.1rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 12px 30px rgba(148, 163, 184, 0.25);
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.documents-option--primary {
    border-color: rgba(0, 80, 179, 0.7);
    background:
        radial-gradient(circle at top left, rgba(0, 80, 179, 0.16), transparent 60%),
        #ffffff;
}

.documents-option--secondary {
    background:
        radial-gradient(circle at top right, rgba(245, 128, 37, 0.16), transparent 60%),
        #ffffff;
}

.documents-option-header {
    display: flex;
    align-items: center;
    gap: 0.7rem;
}

.documents-option-header h3 {
    margin: 0;
    font-size: 1rem;
    color: #0b1020;
}

.documents-option-header p {
    margin: 0.1rem 0 0;
    font-size: 0.8rem;
    color: var(--text-muted);
}

.documents-option-icon {
    width: 34px;
    height: 34px;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    background: #eff1f7;
}

.documents-option-icon--plaid {
    border: 1px solid rgba(0, 80, 179, 0.7);
}

.documents-option-icon--upload {
    border: 1px solid rgba(245, 128, 37, 0.75);
}

.documents-option-body {
    margin: 0.2rem 0 0.4rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

.documents-option-hint {
    margin-top: 0.4rem;
    font-size: 0.78rem;
    color: var(--text-muted);
}

.documents-status {
    margin-top: 0.5rem;
    text-align: center;
    font-size: 0.86rem;
}

.manual-upload-container {
    margin-top: 0.8rem;
}

/* Documents footer (lock + reassurance text) */
.documents-footer {
    margin-top: 1.3rem;
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    padding: 0.75rem 0.8rem;
    border-radius: 14px;
    background: #f9fafb;
    border: 1px solid rgba(148, 163, 184, 0.6);
}

.documents-footer-icon {
    font-size: 1.3rem;
    line-height: 1;
}

.documents-footer-text p {
    margin: 0;
    font-size: 0.82rem;
    color: var(--text-muted);
}

.documents-toggle-btn {
    margin-top: 0.4rem;
}

/* --------------------------------
   SUBMITTED STEP STYLING
----------------------------------- */

.submit-success {
    max-width: 560px;
    margin: 0 auto;
    text-align: center;
    padding-top: 0.6rem;
}

.submit-success-icon {
    width: 64px;
    height: 64px;
    border-radius: 999px;
    margin: 0 auto 0.9rem;
    background: radial-gradient(circle at top left, rgba(0, 80, 179, 0.2), rgba(226, 232, 240, 0.95));
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 18px 46px rgba(148, 163, 184, 0.65);
}

.submit-success-checkmark {
    width: 34px;
    height: 34px;
    border-radius: 999px;
    border: 2px solid rgba(45, 212, 191, 0.85);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    color: #16a34a;
    background: #f9fafb;
}

.submit-success h2 {
    margin-top: 0.5rem;
    margin-bottom: 0.3rem;
    font-size: 1.4rem;
    color: #0b1020;
}

.submit-success .step-subtitle {
    max-width: 32rem;
    margin: 0 auto 1.3rem;
}

.submit-success-details {
    text-align: left;
    margin: 0.9rem auto 1.3rem;
    max-width: 420px;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.submit-success-details h3 {
    margin: 0 0 0.4rem;
    font-size: 0.96rem;
    color: #0b1020;
}

.submit-success-details ul {
    margin: 0;
    padding-left: 1.1rem;
}

.submit-success-details li {
    margin-bottom: 0.25rem;
}

.submit-success-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 0.7rem;
    margin-top: 0.3rem;
}

@media (max-width: 900px) {
    .documents-layout {
        grid-template-columns: minmax(0, 1fr);
    }
}

@media (max-width: 640px) {
    .submit-success-details {
        text-align: left;
        padding-inline: 0.3rem;
    }
}

/* Critical: only show the current step */
.app-step {
    display: none;
}
.app-step.active {
    display: block;
}

/* Submitted step container */
.app-step.submitted-step {
    text-align: center;
    padding-top: 2rem;
    padding-bottom: 2rem;
}

.submitted-state {
    background: #ffffff;
    border-radius: 18px;
    padding: 32px 28px;
    max-width: 520px;
    margin: 32px auto 0;
    box-shadow: 0 18px 45px rgba(15, 23, 42, 0.16);
    text-align: center;
}

.submitted-icon-wrapper {
    width: 68px;
    height: 68px;
    border-radius: 999px;
    margin: 0 auto 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #22c55e;
    color: #ffffff;
    font-size: 34px;
    box-shadow: 0 0 0 6px rgba(34, 197, 94, 0.22);
}

.submitted-check {
    font-size: 1.8rem;
    line-height: 1;
}

.submitted-title {
    font-size: 1.45rem;
    font-weight: 650;
    color: #0f172a;
    margin-bottom: 6px;
}

.submitted-subtitle {
    font-size: 0.98rem;
    color: #4b5563;
    margin-bottom: 10px;
}

.submitted-copy {
    font-size: 0.95rem;
    line-height: 1.6;
    margin-bottom: 1.75rem;
    color: #4b5563;
}

.submitted-meta {
    font-size: 0.9rem;
    color: #6b7280;
    margin-bottom: 4px;
}

.submitted-meta + .submitted-meta {
    margin-top: 4px;
}

.submitted-actions {
    margin-top: 24px;
}

.submitted-home-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.4rem;
    border-radius: 999px;
    padding: 10px 22px;
    border: none;
    cursor: pointer;
    text-decoration: none;
    min-width: 220px;
    background: #0b4a79;
    color: #ffffff;
    font-weight: 600;
    font-size: 0.95rem;
    letter-spacing: 0.01em;
    box-shadow: 0 10px 24px rgba(15, 23, 42, 0.22);
    transition: background 0.18s ease, transform 0.18s ease,
                box-shadow 0.18s ease;
}

.submitted-home-btn:hover {
    background: #0f5488;
    transform: translateY(-1px);
    box-shadow: 0 14px 30px rgba(15, 23, 42, 0.26);
}

.submitted-home-btn:active {
    transform: translateY(0);
    box-shadow: 0 6px 16px rgba(15, 23, 42, 0.18);
}

/* HERO IMAGE CONTAINERS (homepage + about + blog) */
.hero-image-container {
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 18px 40px rgba(148, 163, 184, 0.45);
}

.hero-image-container img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* CONTACT PAGE LAYOUT */
.contact-page-hero {
    padding-bottom: 1rem;
}

.contact-page-main {
    padding-top: 1rem;
}

.contact-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
    gap: 2rem;
    align-items: flex-start;
}

/* LEFT PANELS */
.contact-panels {
    display: flex;
    flex-direction: column;
    gap: 1.1rem;
}

.contact-panel {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.2rem 1.3rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 16px 34px rgba(148, 163, 184, 0.25);
}

.contact-panel h2 {
    margin: 0 0 0.4rem;
    font-size: 1.05rem;
    color: #0b1020;
}

.contact-panel p {
    margin: 0 0 0.6rem;
    color: var(--text-muted);
    font-size: 0.9rem;
}

.contact-panel-details p {
    margin-bottom: 0.4rem;
}

/* RIGHT FORM CARD */
.contact-form-card {
    background: var(--card-bg);
    border-radius: 22px;
    padding: 1.8rem 1.6rem;
    box-shadow: var(--shadow-soft);
    border: 1px solid #dde3f0;
}

.contact-form-card h2 {
    margin: 0 0 0.4rem;
    font-size: 1.25rem;
    color: #0b1020;
}

.contact-form-subtitle {
    margin: 0 0 1.4rem;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.contact-form-main .form-group {
    margin-bottom: 0.9rem;
}

@media (max-width: 900px) {
    .contact-layout {
        grid-template-columns: minmax(0, 1fr);
    }
}

/* ================================
   ABOUT PAGE
================================ */
.eyebrow {
    text-transform: uppercase;
    letter-spacing: 0.18em;
    font-size: 0.75rem;
    color: var(--text-muted);
    margin-bottom: 0.35rem;
}

.about-hero h1 {
    font-size: 2.3rem;
    margin-bottom: 0.6rem;
    color: #0b1020;
}

.about-hero p {
    max-width: 34rem;
}

.about-hero-image {
    min-height: 260px;
}

/* Stats strip */
.about-stats {
    padding-top: 2.4rem;
    padding-bottom: 2.4rem;
}

.about-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1.2rem;
}

.stat-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.1rem 1rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 16px 34px rgba(148, 163, 184, 0.28);
}

.stat-label {
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--text-muted);
    margin-bottom: 0.2rem;
}

.stat-value {
    font-size: 1.4rem;
    font-weight: 650;
    margin-bottom: 0.2rem;
    color: #0b1020;
}

.stat-card p {
    margin: 0;
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* Approach layout */
.about-approach-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
    gap: 2rem;
    align-items: flex-start;
}

.section-header-left {
    text-align: left;
    margin-left: 0;
    margin-right: 0;
}

.about-pill-list {
    margin-top: 1.4rem;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.about-pill {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.1rem 1rem;
    border: 1px solid #dde3f0;
}

.about-pill h3 {
    margin: 0 0 0.3rem;
    font-size: 1.02rem;
    color: #0b1020;
}

.about-pill p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.9rem;
}

/* Right-side panels */
.about-side-panel {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.about-side-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 1rem 1rem 1.1rem;
    border: 1px solid #dde3f0;
}

.about-side-card h3 {
    margin: 0 0 0.4rem;
    font-size: 0.98rem;
    color: #0b1020;
}

.about-side-card ul {
    margin: 0;
    padding-left: 1.1rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

/* Values section tweaks */
.about-values-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

/* Responsive for About */
@media (max-width: 1024px) {
    .about-stats-grid,
    .about-values-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .about-approach-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}

@media (max-width: 640px) {
    .about-stats-grid,
    .about-values-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}

/* ================================
   BLOG / INSIGHTS PAGE
================================ */
.blog-hero {
    padding-bottom: 1.5rem;
}

.blog-hero-header h1 {
    font-size: 2.1rem;
    margin-bottom: 0.5rem;
    color: #0b1020;
}

.blog-hero-header p {
    max-width: 40rem;
}

/* Filters */
.blog-filters {
    margin-top: 1.6rem;
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.blog-filter {
    border-radius: 999px;
    border: 1px solid #d0d7e5;
    padding: 0.35rem 0.9rem;
    font-size: 0.82rem;
    background: #ffffff;
    color: var(--text-muted);
    cursor: pointer;
    transition: background 150ms ease-out, border-color 150ms ease-out, color 150ms ease-out, transform 150ms ease-out;
}

.blog-filter--active,
.blog-filter:hover {
    background: #e0edff;
    border-color: var(--brand-blue);
    color: #0b1020;
}

/* Featured article + aside */
.blog-feature-section {
    padding-top: 1.5rem;
}

.blog-feature-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.7fr) minmax(0, 1fr);
    gap: 2rem;
    align-items: stretch;
}

.blog-feature {
    background: #ffffff;
    border-radius: 22px;
    padding: 1.6rem 1.5rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 20px 42px rgba(148, 163, 184, 0.32);
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
    gap: 1.5rem;
}

.blog-feature-body h2 {
    margin: 0 0 0.4rem;
    font-size: 1.5rem;
    color: #0b1020;
}

.blog-feature-excerpt {
    margin: 0 0 0.7rem;
    color: var(--text-muted);
    font-size: 0.95rem;
}

.blog-feature-image {
    min-height: 220px;
}

/* Aside card */
.blog-aside-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.4rem 1.3rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 16px 34px rgba(148, 163, 184, 0.28);
}

.blog-aside-card h3 {
    margin: 0 0 0.4rem;
    font-size: 1.05rem;
    color: #0b1020;
}

.blog-aside-card p {
    margin: 0 0 0.9rem;
    color: var(--text-muted);
    font-size: 0.9rem;
}

/* Meta + link */
.blog-kicker {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: var(--text-muted);
    margin: 0 0 0.3rem;
}

.blog-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 0.4rem;
    align-items: center;
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-bottom: 0.5rem;
}

.blog-link {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--brand-blue);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 0.25rem;
}

.blog-link::after {
    content: "↗";
    font-size: 0.85rem;
}

.blog-link:hover {
    color: var(--brand-blue-light);
}

/* Blog list grid */
.blog-list-section {
    padding-top: 1.5rem;
}

.blog-list-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1.4rem;
}

.blog-card {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.2rem 1.15rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 18px 36px rgba(148, 163, 184, 0.28);
}

.blog-card h3 {
    margin: 0 0 0.4rem;
    font-size: 1.02rem;
    color: #0b1020;
}

.blog-card-excerpt {
    margin: 0 0 0.7rem;
    color: var(--text-muted);
    font-size: 0.9rem;
}

/* Responsive Blog */
@media (max-width: 1100px) {
    .blog-feature {
        grid-template-columns: minmax(0, 1fr);
    }

    .blog-feature-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .blog-list-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 640px) {
    .blog-hero-header h1 {
        font-size: 1.8rem;
    }

    .blog-list-grid {
        grid-template-columns: minmax(0, 1fr);
    }
}
/* ================================
   FAQ PAGE
   (Paste after your global styles)
================================ */

.faq-hero {
    padding-top: 3rem;
    padding-bottom: 2rem;
}

.faq-hero-header {
    max-width: 720px;
    margin: 0 auto;
    text-align: center;
}

.faq-hero-header h1 {
    font-size: 2.2rem;
    margin-bottom: 0.4rem;
    color: #0b1020;
}

.faq-hero-header p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.98rem;
}

.faq-hero-meta {
    margin-top: 1.3rem;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 0.9rem;
    font-size: 0.85rem;
    color: var(--text-muted);
}

.faq-hero-meta span {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
}

.faq-hero-meta i {
    font-size: 0.9rem;
}

/* Reuses your .blog-filter button style for topic chips */
.faq-filters {
    margin-top: 2rem;
    margin-bottom: 1rem;
    justify-content: center;
}

/* MAIN LAYOUT */
.faq-layout {
    margin-top: 1.4rem;
    display: grid;
    grid-template-columns: minmax(0, 2.1fr) minmax(0, 1fr);
    gap: 1.8rem;
}

.faq-main {
    display: flex;
    flex-direction: column;
    gap: 1.6rem;
}

.faq-sidebar {
    align-self: flex-start;
}

/* FAQ GROUP CARD */
.faq-group {
    background: #ffffff;
    border-radius: 20px;
    border: 1px solid #dde3f0;
    box-shadow: 0 18px 40px rgba(148, 163, 184, 0.25);
    padding: 1.4rem 1.3rem 1.5rem;
}

.faq-group-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.5rem;
    margin-bottom: 0.8rem;
}

.faq-group-title {
    font-size: 1rem;
    font-weight: 600;
    color: #0b1020;
    margin: 0;
}

.faq-group-label {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--text-muted);
}

/* LIST + ACCORDION ITEMS */
.faq-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.faq-item + .faq-item {
    border-top: 1px solid #e5e7eb;
}

.faq-question {
    width: 100%;
    padding: 0.9rem 0.1rem;
    border: none;
    background: none;
    text-align: left;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.75rem;
    cursor: pointer;
}

.faq-question-text {
    font-size: 0.95rem;
    font-weight: 600;
    color: #111827;
}

.faq-question-icon {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    border-radius: 999px;
    border: 1px solid #cbd5f5;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    color: #4b5563;
    background: #f9fafb;
    transition: background 0.15s ease, border-color 0.15s ease, color 0.15s ease;
}

.faq-item[aria-expanded="true"] .faq-question-icon {
    background: linear-gradient(135deg, var(--brand-blue), var(--brand-blue-light));
    color: #ffffff;
    border-color: transparent;
}

.faq-answer {
    display: none;
    padding: 0 0 0.9rem;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.faq-answer p {
    margin: 0 0 0.55rem;
}

.faq-answer ul {
    margin: 0.2rem 0 0.6rem 1.1rem;
    padding: 0;
    font-size: 0.88rem;
}

.faq-answer li {
    margin-bottom: 0.25rem;
}

/* SIDEBAR CARD */
.faq-sidebar-card {
    background: #ffffff;
    border-radius: 20px;
    border: 1px solid #dde3f0;
    box-shadow: 0 16px 36px rgba(148, 163, 184, 0.25);
    padding: 1.5rem 1.3rem;
}

.faq-sidebar-card h2 {
    margin: 0 0 0.45rem;
    font-size: 1.02rem;
    color: #0b1020;
}

.faq-sidebar-card p {
    margin: 0 0 0.8rem;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.faq-sidebar-meta {
    font-size: 0.82rem;
    color: var(--text-muted);
    margin-top: 0.7rem;
}

.faq-sidebar-meta p {
    margin-bottom: 0.25rem;
}

.faq-sidebar-meta strong {
    color: #111827;
}

/* BOTTOM DISCLAIMER / CTA */
.faq-bottom-cta {
    margin-top: 2.6rem;
    text-align: center;
}

.faq-bottom-cta p {
    margin: 0 0 1rem;
    font-size: 0.92rem;
    color: var(--text-muted);
}

/* RESPONSIVE */
@media (max-width: 960px) {
    .faq-layout {
        grid-template-columns: minmax(0, 1fr);
    }

    .faq-sidebar {
        order: -1;
    }
}

@media (max-width: 640px) {
    .faq-hero {
        padding-top: 2.4rem;
        padding-bottom: 1.8rem;
    }

    .faq-hero-header h1 {
        font-size: 1.9rem;
    }

    .faq-hero-meta {
        align-items: flex-start;
    }
}
/* =====================================
   HEADER – BANKING / INSTITUTIONAL
===================================== */

.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: #ffffff;
    border-bottom: 1px solid rgba(15, 23, 42, 0.06);
    box-shadow: 0 14px 40px rgba(15, 23, 42, 0.03);
}

/* Inner layout */
.header-inner {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 1.75rem;
    padding: 0.75rem 0;
}

/* Logo */
.header-logo-link {
    display: inline-flex;
    align-items: center;
    text-decoration: none;
}

.header-logo {
    height: 54px;
    width: auto;
    display: block;
    margin-left: 10px;
}

/* NAVIGATION – desktop base */
.header-nav {
    display: flex;
    align-items: center;
    gap: 1.75rem;
    font-size: 0.92rem;
}

/* Links */
.header-link {
    position: relative;
    text-decoration: none;
    font-weight: 500;
    color: #4b5563;
    letter-spacing: 0.03em;
    padding-bottom: 0.15rem;
    transition:
        color 0.16s ease,
        opacity 0.16s ease;
}

.header-link::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: -0.15rem;
    width: 0;
    height: 2px;
    border-radius: 999px;
    background: linear-gradient(135deg, var(--brand-blue, #0050b3), var(--brand-blue-light, #1d8fff));
    transition: width 0.18s ease;
}

.header-link:hover {
    color: #111827;
}

.header-link:hover::after {
    width: 100%;
}

/* Header CTA button */
.header-cta {
    padding: 0.55rem 1.4rem;
    border-radius: 999px;
    border: none;
    font-size: 0.9rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    cursor: pointer;
    background: linear-gradient(135deg, var(--brand-blue, #0050b3), var(--brand-blue-light, #1d8fff));
    color: #ffffff;
    box-shadow: 0 14px 30px rgba(0, 80, 179, 0.35);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    white-space: nowrap;
    transition:
        transform 0.16s ease,
        box-shadow 0.16s ease,
        background 0.16s ease;
}

.header-cta:hover {
    transform: translateY(-1px);
    box-shadow: 0 18px 40px rgba(0, 80, 179, 0.5);
    background: linear-gradient(135deg, #1d8fff, #0f6ad3);
}

/* Ensure base .btn doesn’t override header CTA */
.header-cta.btn {
    border: none;
}

/* ICON-BASED MATERIAL HAMBURGER */
.header-toggle--icon {
    display: none; /* shown on mobile */
    width: 42px;
    height: 42px;
    border-radius: 12px;
    background: #ffffff;
    border: 1px solid #d7dce5;
    box-shadow: 0 6px 16px rgba(0,0,0,0.08);
    cursor: pointer;
    align-items: center;
    justify-content: center;
    padding: 0;
    transition: all 0.18s ease;
}

.header-toggle--icon:hover {
    background: #f4f7fb;
    border-color: #c8d2e0;
    box-shadow: 0 8px 22px rgba(0,0,0,0.10);
}

/* Icons */
.header-toggle--icon .material-symbols-outlined {
    font-size: 26px;
    font-weight: 400;
    line-height: 1;
    color: #111827;
    transition: opacity 0.2s ease, transform 0.2s ease;
    position: absolute;
}

/* Default: show hamburger menu */
.menu-icon {
    opacity: 1;
    transform: scale(1);
}

/* Hide close icon initially */
.close-icon {
    opacity: 0;
    transform: scale(0.6);
}

/* When nav is open */
.header-toggle--open .menu-icon {
    opacity: 0;
    transform: scale(0.6) rotate(90deg);
}

.header-toggle--open .close-icon {
    opacity: 1;
    transform: scale(1);
}

/* Mobile only */
@media (max-width: 768px) {
    .header-toggle--icon {
        display: inline-flex;
        position: relative;
        margin-right: 10px;
    }
}

/* Prevent background scrolling when menu open */
.nav-open {
    overflow: hidden;
}

/* ============= DESKTOP / LARGE TABLET ============= */
@media (min-width: 901px) {
    .header-inner {
        padding: 0.85rem 0;
    }

    .header-logo {
        height: 60px;
    }
}

/* ============= TABLETS / SMALL DESKTOPS ============= */
@media (max-width: 900px) {
    .header-inner {
        gap: 1.25rem;
        padding: 0.6rem 0;
    }

    .header-nav {
        gap: 1.2rem;
        font-size: 0.9rem;
    }

    .header-cta {
        padding: 0.5rem 1.2rem;
        font-size: 0.85rem;
    }
}

/* ============= PHONES – CLEAN WHITE DROPDOWN ============= */
@media (max-width: 768px) {
    .header-inner {
        padding: 0.6rem 0;
        position: relative;
    }

    .header-logo {
        height: 44px;
    }

    /* Show toggle, hide nav initially */
    .header-toggle {
        display: inline-flex;
    }

    .header-nav {
        position: absolute;
        top: 100%;
        right: 0;
        left: 0;
        margin-top: 0.35rem;
        padding: 0.75rem 1.25rem 1rem;
        background: #ffffff;
        border-top: 1px solid rgba(148, 163, 184, 0.35);
        box-shadow: 0 18px 42px rgba(15, 23, 42, 0.14);
        display: none;
        flex-direction: column;
        align-items: flex-start;
        gap: 0.25rem;
        z-index: 999;
    }

    .header-nav.header-nav--open {
        display: flex;
    }

    .header-link {
        width: 100%;
        padding: 0.6rem 0;
        font-size: 0.95rem;
        border-bottom: 1px solid #f3f4f6;
    }

    .header-link:last-of-type {
        border-bottom: none;
    }

    .header-link::after {
        display: none; /* no underline animation in dropdown */
    }

    .header-cta {
        margin-top: 0.7rem;
        align-self: stretch;
        width: 100%;
        justify-content: center;
        font-size: 0.9rem;
    }
}



/* Footer contact lines: align icon + text on one line */
.footer-col p {
    display: flex;
    align-items: flex-start;
    margin: 0 0 0.5rem;  /* Slightly increased bottom margin for better spacing between contact items */
    font-size: 0.9rem;
    color: #9ca3af;
    line-height: 1.4;    /* Reduced from inherited 1.6 for tighter multi-line spacing; adjust if needed */
}

.footer-col p i {
    flex-shrink: 0;
    margin-right: 0.6rem;  /* Increased from 0.4rem for better separation */
    margin-top: 0.15rem;   /* Vertically centers the icon with the first line of text */
}

.footer-col p span {
    flex: 1;
}

/* Make sure the link doesn’t break to a new line by itself */
.footer-col p a {
    display: inline;
    white-space: nowrap;     /* optional: keeps phone/email on one line */
}
/* =====================================
   HOMEPAGE – PREMIUM BANKING LOOK
   (SAFE TO APPEND AT BOTTOM)
===================================== */

/* HERO REFINEMENTS */
.hero--homepage {
    padding-top: 3.6rem;
    padding-bottom: 3.4rem;
}

.hero--homepage .hero-copy h1 {
    font-size: 2.7rem;
    line-height: 1.15;
    margin-bottom: 0.75rem;
}

.hero-eyebrow {
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 0.78rem;
    color: var(--text-muted);
    margin: 0 0 0.35rem;
}

.hero-lead {
    margin-top: 0;
    margin-bottom: 1.2rem;
    max-width: 36rem;
    color: var(--text-muted);
}

/* HERO PILLS */
.hero-pill-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.5rem;
    margin-bottom: 1.4rem;
}

.hero-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0.45rem 0.8rem;
    border-radius: 999px;
    font-size: 0.82rem;
    background: #eef2ff;
    color: #111827;
    border: 1px solid #d4ddff;
    white-space: nowrap;
}

.hero-pill i {
    font-size: 0.85rem;
    color: var(--brand-blue);
}

/* HERO RATING */
.hero-rating {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.4rem 0.75rem;
    margin-top: 0.4rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

.hero-rating-stars {
    display: inline-flex;
    align-items: center;
    gap: 0.15rem;
    color: #f59e0b;
}

.hero-rating-stars i {
    font-size: 0.9rem;
}

.hero-rating-text {
    color: var(--text-muted);
}

/* HERO IMAGE */
.hero-image-container--homepage {
    min-height: 260px;
}

/* =====================================
   METRICS STRIP
===================================== */

.section-metrics {
    padding-top: 2.4rem;
    padding-bottom: 2.4rem;
}

.metrics-strip {
    background: #ffffff;
    border-radius: 24px;
    padding: 1.8rem 1.6rem 1.9rem;
    border: 1px solid #dde3f0;
    box-shadow: 0 18px 45px rgba(148, 163, 184, 0.28);
    display: grid;
    grid-template-columns: minmax(0, 1.3fr) minmax(0, 2fr);
    gap: 1.8rem;
    align-items: center;
}

.metrics-intro p {
    margin: 0.1rem 0 0;
    font-size: 0.94rem;
    color: var(--text-muted);
}

.metrics-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1.2rem;
}

.metric {
    padding-right: 0.4rem;
}

.metric-value {
    font-size: 1.5rem;
    font-weight: 650;
    color: #0b1020;
    margin-bottom: 0.1rem;
}

.metric-label {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--text-muted);
    margin-bottom: 0.15rem;
}

.metric-copy {
    font-size: 0.84rem;
    margin: 0;
    color: var(--text-muted);
}

/* =====================================
   PRODUCT CARDS
===================================== */

.product-card {
    position: relative;
    padding-top: 1.5rem;
}

.product-icon {
    width: 36px;
    height: 36px;
    border-radius: 999px;
    background: #eef2ff;
    border: 1px solid #c7d2fe;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.7rem;
    color: var(--brand-blue);
}

.product-icon i {
    font-size: 1rem;
}

.product-list {
    margin: 0.7rem 0 0;
    padding-left: 1.1rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

.product-list li {
    margin-bottom: 0.25rem;
}

/* Section footnote text */
.section-footnote {
    margin-top: 1.4rem;
    font-size: 0.8rem;
    color: var(--text-muted);
    text-align: left;
}

/* =====================================
   REASONS / WHY CHOOSE US
===================================== */

.reasons-grid .reason-card {
    padding-top: 1.5rem;
}

.reason-icon {
    width: 34px;
    height: 34px;
    border-radius: 999px;
    background: #fef3c7;
    border: 1px solid #fde68a;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.7rem;
    color: #92400e;
}

.reason-icon i {
    font-size: 0.95rem;
}

/* =====================================
   USE OF FUNDS SECTION
===================================== */

.use-funds-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 1.4fr);
    gap: 2rem;
    align-items: flex-start;
}

.use-funds-copy h2 {
    margin-top: 0.2rem;
    margin-bottom: 0.5rem;
    font-size: 1.6rem;
}

.use-funds-copy p {
    margin: 0;
    color: var(--text-muted);
    font-size: 0.95rem;
}

.use-funds-list {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.use-fund-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    padding: 0.8rem 0.4rem;
}

.use-fund-item h3 {
    margin: 0 0 0.25rem;
    font-size: 0.98rem;
}

.use-fund-item p {
    margin: 0;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.use-fund-icon {
    flex-shrink: 0;
    width: 34px;
    height: 34px;
    border-radius: 999px;
    background: #e0f2fe;
    border: 1px solid #bae6fd;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #0369a1;
}

.use-fund-icon i {
    font-size: 0.95rem;
}

/* =====================================
   STEPS – HOMEPAGE TWEAKS
===================================== */

.steps-grid--homepage .step {
    background: #ffffff;
    border-radius: var(--radius-md);
    border-style: solid;
    border-color: #dde3f0;
    box-shadow: 0 14px 32px rgba(148, 163, 184, 0.3);
}

.step-list {
    margin: 0.65rem 0 0;
    padding-left: 1.1rem;
    font-size: 0.86rem;
    color: var(--text-muted);
}

.step-list li {
    margin-bottom: 0.25rem;
}

/* =====================================
   CARD GRID – HORIZONTAL SCROLL ON MOBILE
===================================== */

.card-grid--scroll {
    /* desktop / tablet: normal grid (inherits from .card-grid) */
}

/* On smaller screens, turn selected grids into horizontal scrolling rows */
@media (max-width: 768px) {
    .metrics-strip {
        grid-template-columns: minmax(0, 1fr);
    }

    .metrics-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .use-funds-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .card-grid--scroll {
        display: flex;
        overflow-x: auto;
        padding-bottom: 0.75rem;
        gap: 1rem;
        scroll-snap-type: x mandatory;
    }

    .card-grid--scroll > .card {
        min-width: 260px;
        max-width: 320px;
        flex: 0 0 auto;
        scroll-snap-align: start;
    }

    .card-grid--scroll::-webkit-scrollbar {
        height: 6px;
    }

    .card-grid--scroll::-webkit-scrollbar-track {
        background: transparent;
    }

    .card-grid--scroll::-webkit-scrollbar-thumb {
        background: rgba(148, 163, 184, 0.6);
        border-radius: 999px;
    }

    .hero--homepage {
        padding-top: 2.6rem;
        padding-bottom: 2.6rem;
    }

    .hero--homepage .hero-copy h1 {
        font-size: 2.1rem;
    }

    .hero-pill-row {
        gap: 0.4rem;
    }
}

@media (max-width: 640px) {
    .metrics-grid {
        grid-template-columns: minmax(0, 1fr);
    }

    .metrics-strip {
        padding: 1.5rem 1.2rem 1.6rem;
    }

    .use-funds-grid {
        gap: 1.4rem;
    }

    .hero-rating {
        font-size: 0.82rem;
    }
}
.form-status {
    margin-top: 0.75rem;
    font-size: 0.9rem;
    line-height: 1.45;
    padding: 0.75rem 1rem;
    border-radius: 6px;
    font-weight: 500;
    display: inline-block;
}

.form-status--success {
    background-color: #ecfdf5;      /* light mint green */
    color: #065f46;                 /* deep emerald green */
    border: 1px solid #34d399;      /* soft green border */
}

.form-status--error {
    background-color: #fef2f2;      /* light red */
    color: #b91c1c;                 /* deep red */
    border: 1px solid #fca5a5;      /* soft red border */
}
/* ================================
   LEGAL PAGES (TERMS / PRIVACY / SECURITY)
================================ */

.legal-hero {
    padding-top: 3rem;
    padding-bottom: 1.6rem;
    background: linear-gradient(135deg, #eef2ff, #f9fbff);
    border-bottom: 1px solid #dde3f0;
}

.legal-hero-inner {
    max-width: 780px;
    margin: 0 auto;
    text-align: left;
}

.legal-hero .eyebrow {
    margin-bottom: 0.45rem;
}

.legal-hero h1 {
    margin: 0 0 0.55rem;
    font-size: 2rem;
    color: #0b1020;
}

.legal-hero-text {
    margin: 0;
    font-size: 0.98rem;
    color: var(--text-muted);
}

.legal-meta {
    margin-top: 0.9rem;
    font-size: 0.82rem;
    color: #6b7280;
}

/* Main legal content wrapper */
.legal-body {
    padding-top: 2.3rem;
    padding-bottom: 3rem;
}

.legal-page {
    max-width: 900px;
    margin: 0 auto;
}

/* Headings */
.legal-page h2 {
    margin-top: 2rem;
    margin-bottom: 0.5rem;
    font-size: 1.2rem;
    color: #0b1020;
}

.legal-page h3 {
    margin-top: 1.4rem;
    margin-bottom: 0.4rem;
    font-size: 1rem;
    color: #111827;
}

/* Text & lists */
.legal-page p {
    margin: 0 0 0.8rem;
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
}

.legal-page ul,
.legal-page ol {
    margin: 0.4rem 0 1rem 1.3rem;
    padding: 0;
    font-size: 0.94rem;
    color: var(--text-muted);
}

.legal-page li {
    margin-bottom: 0.35rem;
}

/* Small footnote / last section text */
.legal-footnote {
    margin-top: 1.4rem;
    font-size: 0.85rem;
    color: #6b7280;
}

/* Responsive tweaks */
@media (max-width: 640px) {
    .legal-hero {
        padding-top: 2.4rem;
        padding-bottom: 1.4rem;
    }

    .legal-hero h1 {
        font-size: 1.7rem;
    }

    .legal-body {
        padding-top: 1.8rem;
        padding-bottom: 2.4rem;
    }

    .legal-page {
        padding: 0 0.1rem;
    }
}
/* Legal summary callout boxes */
.legal-callout {
    margin: 1.2rem 0 1.6rem;
    padding: 1rem 1.2rem;
    border-radius: 0.75rem;
    background-color: #eff6ff;      /* soft blue background */
    border: 1px solid #bfdbfe;      /* light blue border */
    font-size: 0.9rem;
    color: var(--text-muted);
}
.submitted-home-btn {
    color: #ffffff !important;     /* white text */
}
/* "Your Privacy Choices" badge */
.privacy-choices-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    border: none;
    background: transparent;
    padding: 0;
    font-size: 0.8rem;
    font-weight: 500;
    color: #0066cc;
    cursor: pointer;
    font-family: inherit;
}

.privacy-choices-badge:hover {
    text-decoration: underline;
}

.privacy-choices-toggle {
    display: inline-flex;
    align-items: center;
    padding: 0.05rem 0.35rem;
    border-radius: 999px;
    background-color: #0066cc;
    color: #ffffff;
    font-size: 0.7rem;
    font-weight: 600;
}

.privacy-choices-toggle .toggle-check,
.privacy-choices-toggle .toggle-x {
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.toggle-check {
    padding-right: 0.25rem;
    margin-right: 0.1rem;
    border-right: 1px solid rgba(255,255,255,0.6);
}
/* Footer: "Your Privacy Choices" button styled like a link */
.footer-col ul li .privacy-choices-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0;
    margin: 0;
    border: none;
    background: none;
    font: inherit;          /* same font, size, weight as links */
    color: inherit;         /* same color as other footer links */
    cursor: pointer;
    text-align: left;
}

.footer-col ul li .privacy-choices-badge span {
    line-height: 1.4;
}

/* Hover to match link hover behaviour */
.footer-col ul li .privacy-choices-badge:hover {
    text-decoration: underline;
}

/* Privacy icon sizing */
.privacy-choices-icon {
    height: 1em;            /* match text size */
    width: auto;
    display: inline-block;
    vertical-align: middle;
}
/* Make "Your Privacy Choices" match other footer links */
.footer-col ul li .privacy-choices-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0;
    margin: 0;
    border: none;
    background: none;
    font: inherit;
    color: #e5e7eb;  /* <-- MATCH footer links */
    cursor: pointer;
    text-align: left;
}

.footer-col ul li .privacy-choices-badge:hover {
    text-decoration: underline;
    color: #ffffff; /* optional – same hover as other links */
}

/* Icon sizing */
.privacy-choices-icon {
    height: 1em;
    width: auto;
    display: inline-block;
    vertical-align: middle;
    filter: brightness(1.3); /* ensures white/light appearance like other icons */
}
/* Make Your Privacy Choices match footer links EXACTLY */
.footer-link-privacy {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0;
    border: none;
    background: none;
    font: inherit;
    color: var(--footer-link-color, #e5e7eb); /* same as other links */
    cursor: pointer;
    text-decoration: none;
}

.footer-link-privacy span {
    font-size: inherit;
    line-height: inherit;
    color: inherit;
}

/* Hover effect same as other links */
.footer-link-privacy:hover span {
    text-decoration: underline;
    color: #ffffff;
}

/* Icon styling to match link size */
.footer-link-privacy .privacy-icon {
    height: 0.9em;        /* same optical height as text */
    width: auto;
    opacity: 0.85;        /* match subtle icon tone */
    margin-top: 1px;      /* aligns baseline perfectly */
}

/* Optional: brighten icon on hover */
.footer-link-privacy:hover .privacy-icon {
    opacity: 1;
}
/* Final override: make "Your Privacy Choices" identical to other legal links */
.footer-link-privacy {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    padding: 0;
    margin: 0;
    border: none;
    background: none;
    font-family: inherit;
    font-size: 0.9rem;          /* same as .footer-col a */
    font-weight: 400;
    color: #9ca3af;             /* same as .footer-col a */
    cursor: pointer;
    text-decoration: none;
}

.footer-link-privacy span {
    font-size: inherit;
    line-height: 1.4;
    color: inherit;
}

/* Hover state to match .footer-col a:hover */
.footer-link-privacy:hover span {
    color: var(--brand-blue-light);
    transform: translateX(1px);
    text-decoration: none;      /* footer links don’t underline on hover */
}

/* Icon: small and subtle, aligned with text */
.footer-link-privacy .privacy-icon {
    height: 0.9em;              /* same visual height as text */
    width: auto;
    margin-top: 1px;
    opacity: 0.85;
}

.footer-link-privacy:hover .privacy-icon {
    opacity: 1;
}
/* Bottom row on Documents step: lock text left, hCaptcha right */
.documents-bottom-row {
    margin-top: 1.5rem;
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 1rem;
    flex-wrap: wrap;
}

/* Let the lock text take available width */
.documents-footer {
    flex: 1 1 auto;
}

/* hCaptcha box on the right */
.hcaptcha-wrapper {
    flex: 0 0 auto;
}

/* Red outline for hCaptcha when invalid */
.hcaptcha-wrapper.has-error {
    border: 2px solid #ff5b5b;
    border-radius: 8px;
    padding: 8px;
}

/* Red outline for Plaid / Manual boxes when invalid */
.documents-option.has-error {
    border: 2px solid #ff5b5b;
    box-shadow: 0 0 0 1px rgba(255, 91, 91, 0.15);
}
/* Bottom row: lock text left, hCaptcha right */
.documents-bottom-row {
    margin-top: 1.5rem;
    display: flex;
    align-items: stretch;
    justify-content: space-between;
    gap: 1rem;
    flex-wrap: wrap;
    align-content: space-between;
}

/* Ensure the lock text container aligns at the top */
.documents-footer {
    flex: 1 1 auto;
    display: flex;
    align-items: flex-start; /* aligns icon + text */
}

/* hCaptcha box aligned to the top */
.hcaptcha-wrapper {
    flex: 0 0 auto;
    display: flex;
    align-items: flex-start; /* ensures hCaptcha aligns with icon/text */
}

/* Red outline for hCaptcha when invalid */
.hcaptcha-wrapper.has-error {
    border: 2px solid #ff5b5b;
    border-radius: 8px;
    padding: 8px;
}

/* Red outline for Plaid / Manual boxes when invalid */
.documents-option.has-error {
    border: 2px solid #ff5b5b;
    box-shadow: 0 0 0 1px rgba(255, 91, 91, 0.15);
}
#plaid-status {
    font-size: 1.05rem;      /* Slightly larger */
    font-weight: 600;        /* Semi-bold */
    margin-top: 6px;
}
.currency-wrapper {
    position: relative;
}
.currency-prefix {
    position: absolute;
    left: 12px;
    top: 50%;
    transform: translateY(-50%);
    color: #444;
    font-size: 0.95rem;
}
.currency-wrapper input {
    padding-left: 28px; /* Make space for $ */
}
.leave-warning .meta-icon {
    font-size: 1em;
    vertical-align: text-bottom;
}

@media (max-width: 640px) {
    .application-card {
        padding-bottom: 5rem; /* make room for sticky nav */
    }

    #wizard-nav {
        position: sticky;
        bottom: 0;
        left: 0;
        right: 0;
        background: #ffffff;
        padding-top: 0.75rem;
        padding-bottom: 0.75rem;
        box-shadow: 0 -2px 12px rgba(15, 23, 42, 0.08);
        z-index: 20;
    }
}
/* Avoid iOS zooming on form fields */
@supports (-webkit-touch-callout: none) {
    .application-card input,
    .application-card select,
    .application-card textarea {
        font-size: 16px;
    }
}
iframe[src*="plaid.com"] {
    max-width: 100%;
}
@media (max-width: 640px) {
    .dropzone {
        padding: 1.1rem 0.9rem;
        min-height: 88px; /* bigger tap target */
    }

    .dropzone p {
        font-size: 0.9rem;
    }

    .dropzone-actions {
        justify-content: flex-end;
    }
}
/* SUBMIT OVERLAY (blocks screen while application is sending) */
.submit-overlay {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.55);
    display: none; /* shown via .is-active */
    align-items: center;
    justify-content: center;
    z-index: 9999;
    backdrop-filter: blur(3px);
}

.submit-overlay.is-active {
    display: flex;
}

.submit-overlay__content {
    background: #ffffff;
    border-radius: 18px;
    padding: 1.75rem 1.5rem;
    max-width: 360px;
    width: 90%;
    box-shadow: 0 18px 45px rgba(15, 23, 42, 0.25);
    text-align: center;
}

.submit-overlay__title {
    font-size: 1.05rem;
    font-weight: 600;
    color: #0f172a;
    margin-bottom: 0.25rem;
}

.submit-overlay__subtitle {
    font-size: 0.875rem;
    color: #6b7280;
    margin-bottom: 1rem;
}

/* Simple spinner */
.submit-overlay__spinner {
    margin: 0 auto 1rem auto;
    width: 32px;
    height: 32px;
    border-radius: 999px;
    border: 3px solid #e5e7eb;
    border-top-color: #2563eb;
    animation: submit-spinner 0.8s linear infinite;
}

/* Progress bar */
.submit-overlay__progress {
    width: 100%;
    height: 6px;
    border-radius: 999px;
    background: #e5e7eb;
    overflow: hidden;
}

.submit-overlay__bar {
    width: 40%;
    height: 100%;
    border-radius: inherit;
    background: linear-gradient(90deg, #2563eb, #4f46e5);
    animation: submit-bar 1.2s ease-in-out infinite;
}

@keyframes submit-spinner {
    to {
        transform: rotate(360deg);
    }
}

@keyframes submit-bar {
    0% {
        transform: translateX(-100%);
    }
    50% {
        transform: translateX(20%);
    }
    100% {
        transform: translateX(100%);
    }
}

/*@media (max-width: 640px) {*/
/*    .submit-overlay__content {*/
/*        padding: 1.5rem 1.25rem;*/
/*        max-width: 320px;*/
/*    }*/
/*}*/
.submit-overlay__note {
    margin-top: 0.75rem;
    font-size: 0.9rem;
    line-height: 1.5;
    opacity: 0.9;
}
.submit-overlay__error-icon {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.submit-overlay__close-btn {
    margin-top: 1.5rem;
    padding: 0.65rem 1.25rem;
    background: #c62828;
    color: white;
    border-radius: 6px;
    border: none;
    cursor: pointer;
}
.submit-overlay__close-btn:hover {
    background: #b71c1c;
}
/* ================================
   LEGAL – LAYOUT & SIDEBAR WIDTH
================================ */

.legal-layout {
    display: grid;
    /* widen the sidebar from 260px → 320px */
    grid-template-columns: minmax(0, 320px) minmax(0, 1fr);
    gap: 2.25rem;
    align-items: flex-start;
}

/* Sidebar container */
.legal-toc {
    position: sticky;
    top: 110px; /* sits under sticky header */
    align-self: flex-start;
    z-index: 5;
}

/* Sidebar "card" – now flex so list can scroll inside */
.legal-toc-card {
    background: var(--card-bg, #ffffff);
    border-radius: 12px;
    padding: 1.25rem 1.2rem 1.35rem;
    border: 1px solid var(--border-subtle, #e2e8f0);
    box-shadow: 0 6px 18px rgba(15, 23, 42, 0.08);
    font-size: 0.9rem;

    /* NEW: make the card fit viewport height & allow inner scroll */
    display: flex;
    flex-direction: column;
    max-height: calc(100vh - 140px); /* tweak this if needed */
}

/* Title + subtitle stay at the top */
.legal-toc-title {
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: var(--text-muted, #6b7280);
    margin: 0 0 0.25rem;
}

.legal-toc-subtitle {
    font-size: 0.84rem;
    color: var(--text-muted, #6b7280);
    margin: 0 0 0.7rem;
}

/* List now scrolls inside the card */
.legal-toc-list {
    list-style: none;
    padding: 0;
    margin: 0.2rem 0 0.7rem;
    display: flex;
    flex-direction: column;
    gap: 0.1rem;

    /* NEW: scrolling area */
    flex: 1 1 auto;
    overflow-y: auto;
    min-height: 0; /* important so flexbox allows scrolling */
    padding-right: 0.1rem; /* tiny space for scrollbar */
}

.legal-toc-item {
    margin: 0;
}

/* Links – can now take advantage of extra width */
.legal-toc-link {
    display: flex;
    align-items: flex-start;
    gap: 0.4rem;
    padding: 0.38rem 0.65rem;
    border-radius: 8px;
    text-decoration: none;
    cursor: pointer;
    color: var(--text-muted, #4b5563);
    transition:
        background-color 140ms ease-out,
        color 140ms ease-out,
        box-shadow 140ms ease-out;
}

.legal-toc-number {
    flex-shrink: 0;
    min-width: 1.6rem;
    text-align: right;
    font-feature-settings: "tnum" 1;
    font-variant-numeric: tabular-nums;
    opacity: 0.7;
    font-size: 0.82rem;
}

.legal-toc-label {
    flex: 1;
    font-size: 0.88rem;
    line-height: 1.4;
}

/* Hover – light, no movement */
.legal-toc-link:hover {
    background: #f3f4f6;
    color: #111827;
    box-shadow: 0 3px 8px rgba(15, 23, 42, 0.08);
}

/* Active state – cleaner pill, solid brand color */
.legal-toc-link.is-active {
    background: var(--brand-blue-soft, #e0ecff);
    color: #0b1020;
    box-shadow: inset 0 0 0 1px rgba(37, 99, 235, 0.35);
}

.legal-toc-link.is-active .legal-toc-number {
    opacity: 1;
    font-weight: 600;
}

/* Small meta footer in the card – stays pinned at bottom */
.legal-toc-meta {
    margin-top: 0.8rem;
    padding-top: 0.6rem;
    border-top: 1px solid #e5e7eb;
    font-size: 0.78rem;
    color: var(--text-muted, #6b7280);

    /* Don't scroll; sits under the scrollable list */
    flex-shrink: 0;
}

.legal-toc-meta-flag {
    display: block;
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    margin-bottom: 0.15rem;
    opacity: 0.85;
}

/* Heading scroll offset for sticky header */
.legal-page h2[id],
.legal-page h3[id] {
    scroll-margin-top: 120px;
}

/* Legal content typography */
.legal-page {
    font-size: 0.95rem;
}

.legal-page h2 {
    margin-top: 2rem;
    margin-bottom: 0.55rem;
    font-size: 1.2rem;
    font-weight: 600;
    color: #0f172a;
}

.legal-page h3 {
    margin-top: 1.4rem;
    margin-bottom: 0.4rem;
    font-size: 1rem;
    font-weight: 500;
    color: #111827;
}

/* Responsive layout: stack TOC on top on smaller screens */
@media (max-width: 960px) {
    .legal-layout {
        grid-template-columns: minmax(0, 1fr);
    }

    .legal-toc {
        position: static;
        margin-bottom: 1.5rem;
    }

    .legal-toc-card {
        box-shadow: 0 4px 14px rgba(15, 23, 42, 0.10);
        max-height: none; /* no viewport constraint on small screens */
    }

    .legal-toc-list {
        max-height: none;
        overflow-y: visible;
    }
}

@media (max-width: 640px) {
    .legal-toc-card {
        padding: 1rem 1rem 1.1rem;
        border-radius: 10px;
    }

    .legal-toc-link {
        padding: 0.32rem 0.55rem;
    }

    .legal-page h2 {
        font-size: 1.1rem;
    }
}
/* ============================================
   LEGAL PAGE – HYPERLINK STYLING
============================================ */

.legal-page a {
    color: var(--brand-blue, #1d4ed8);            /* A clear medium blue */
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 3px;
    font-weight: 500;
    transition: color 140ms ease, text-decoration-color 140ms ease;
}

.legal-page a:hover {
    color: var(--brand-blue-dark, #1e3a8a);       /* Darker blue on hover */
    text-decoration-color: var(--brand-blue-dark, #1e3a8a);
}

.legal-page a:active {
    color: var(--brand-blue-darker, #172554);
}
/* Hide Osano floating widget */
#osano-cm-widget,
.osano-cm-widget,
.osano-cm-button {
    display: none !important;
    visibility: hidden !important;
    opacity: 0 !important;
}
/* Hide floating TrustedSite / McAfee trustmark, but keep inline ones */
.trustedsite-trustmark-floating,
.trustedsite-floating,
.trustedsite-trustmark-floating-wrapper,
.trustedsite_trustmark_wrapper_bottomright {
    display: none !important;
    visibility: hidden !important;
    opacity: 0 !important;
}
/* Hide all TrustedSite badges by default */
.trustedsite-trustmark {
    display: none !important;
}

/* Show ONLY the TrustedSite badge that lives inside the footer */
footer .trustedsite-trustmark {
    display: block !important;
}
.field-error-message {
    color: #d9534f;      /* or your existing danger red */
    font-size: 12px;
    line-height: 1.3;
    margin-top: 4px;     /* small space, so it almost touches the input */
}

/* Optional: if you only want special behavior on mobile */
@media (max-width: 640px) {
    .field-error-message {
        font-size: 11px;
        margin-top: 3px;
    }
}
/* Create Account – make inputs full-width + nicer password toggle */
.hero-form-card .form-group input {
  width: 100%;
}

/* Input + toggle button inside the field */
.input-with-toggle {
  position: relative;
  width: 100%;
}

.input-with-toggle input {
  width: 100%;
  padding-right: 4.25rem; /* space for the Show button */
}

/* The Show/Hide button lives inside the input area */
.input-toggle {
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  border-radius: 999px;
  border: 1px solid rgba(148, 163, 184, 0.9);
  background: #ffffff;
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  line-height: 1;
}

.input-toggle:hover {
  background: #f4f7fb;
}
/* Create Account – Hero Logo */
.hero-logo {
  width: 260px;        /* adjust up/down as needed */
  max-width: 100%;
  height: auto;
  margin-bottom: 1.75rem;
}
/* Make password requirements subtle by default */
.pw-rules-box {
  background: #fbfcfe;                 /* lighter than before */
  border-color: #eef2f7;               /* softer border */
}

/* Neutral state (on page load) */
.pw-rules-box li {
  color: #94a3b8;                      /* muted slate */
}

/* Neutral dash */
.pw-rules-box .rule-status {
  color: #cbd5e1;
}

/* Success state (met requirement) */
.pw-rules-box li.rule-ok {
  color: #065f46;                      /* calm green */
}

/* Failure state (only after typing) */
.pw-rules-box li.rule-bad {
  color: #b91c1c;
}
/* Password requirements – calm + non-threatening */

.pw-rules-box {
  background: #fbfcfe;
  border-color: #eef2f7;
}

/* Default neutral state */
.pw-rules-box li {
  color: #94a3b8; /* muted slate */
}

/* Neutral dash */
.pw-rules-box .rule-status {
  color: #cbd5e1;
  font-weight: 600;
}

/* Met requirement = green */
.pw-rules-box li.rule-ok {
  color: #065f46; /* calm green */
}

/* No red state at all */
.pw-rules-box li.rule-bad {
  color: #94a3b8;
}
/* ===========================
   SIGN IN – Premium UX
=========================== */

.signin-alert {
  display: none;
  align-items: flex-start;
  gap: 0.65rem;
  padding: 0.85rem 0.95rem;
  border-radius: 14px;
  border: 1px solid rgba(185, 28, 28, 0.25);
  background: rgba(185, 28, 28, 0.06);
  color: #7f1d1d;
  margin: 0.9rem 0 1rem 0;
  font-size: 0.92rem;
  line-height: 1.25rem;
}

.signin-alert.show { display: flex; }

.signin-alert__title {
  font-weight: 700;
  margin-bottom: 0.1rem;
  color: #7f1d1d;
}

.signin-alert__text {
  color: #7f1d1d;
  opacity: 0.92;
}

.input-with-toggle {
  position: relative;
  width: 100%;
}

.input-with-toggle input {
  width: 100%;
  padding-right: 4.25rem;
}

.input-toggle {
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  border-radius: 999px;
  border: 1px solid rgba(148, 163, 184, 0.9);
  background: #ffffff;
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  line-height: 1;
}

.input-toggle:hover { background: #f4f7fb; }

.caps-hint {
  display: none;
  margin-top: 0.45rem;
  font-size: 0.82rem;
  color: #0f172a;
  opacity: 0.75;
}
.caps-hint.show { display: block; }


.hero-form-card.shake {
  animation: shake 0.35s ease-in-out;
}

/* Loading button */
.btn.btn-full {
  position: relative;
}

.btn-loading {
  opacity: 0.9;
  cursor: not-allowed;
}

.btn-spinner {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
}

.btn-label {
  opacity: 1;
}

.btn-loading .btn-label {
  opacity: 0;
}

.btn-loading .btn-spinner {
  display: inline-flex;
}

/* Small spinner inside button */
.btn-spinner .spinner {
  width: 16px;
  height: 16px;
  border-radius: 999px;
  border: 2px solid rgba(255,255,255,0.45);
  border-top-color: rgba(255,255,255,1);
  animation: spin 0.9s linear infinite;
}
/* Button loading: prevent overlay */
#submitBtn {
  position: relative;
}

/* Default: show text, hide spinner */
#submitBtn .btn-text {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
#submitBtn .btn-spinner {
  display: none;
}

/* Loading: hide text, show spinner centered */
#submitBtn.btn-loading .btn-text {
  visibility: hidden;   /* keeps button height stable */
}
#submitBtn.btn-loading .btn-spinner {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  position: absolute;
  left: 50%;
  top: 50%;
  transform: translate(-50%, -50%);
}
/* Forgot password link — lighter + smaller */
.signin-actions {
  margin: 0.75rem 0 1.25rem 0; /* more space above the button */
}

.signin-link {
  font-size: 0.85rem;          /* slightly smaller */
  font-weight: 500;            /* lighter than labels */
  color: #475569;              /* muted slate */
  text-decoration: underline;
}

.signin-link:hover {
  color: #1f2937;              /* darker on hover */
}
.form-group input {
  transition: box-shadow .15s ease, border-color .15s ease;
}
.form-group input:focus {
  border-color: rgba(31,79,255,0.7);
  box-shadow: 0 0 0 4px rgba(31,79,255,0.12);
  outline: none;
}
/* === SIGN IN CARD: prevent any perceived "shrink" on click/hover === */
#signinCard {
  transform: translateZ(0); /* prevents subpixel jitter on some browsers */
}

/* Don’t “lift” buttons inside the sign-in card */
#signinCard .btn-primary:hover,
#signinCard .btn-primary:active,
#signinCard .btn-primary:focus {
  transform: none !important;
}
/* Stop the sign-in card from “twitching” due to button hover lift/shadow */
#signinCard .btn-primary {
  transform: none !important;
  box-shadow: 0 16px 35px rgba(0, 80, 179, 0.35) !important; /* same as normal */
}

#signinCard .btn-primary:hover,
#signinCard .btn-primary:active,
#signinCard .btn-primary:focus {
  transform: none !important;
  box-shadow: 0 16px 35px rgba(0, 80, 179, 0.35) !important; /* keep identical */
}
.field-error-message {
  min-height: 18px;
  display: block;
}
/* Full-width inputs in the card */
.hero-form-card .form-group input { width: 100%; }

/* Logo sizing (adjust width if you want even bigger) */
.hero-logo {
  width: 260px;
  max-width: 100%;
  height: auto;
  margin-bottom: 1.75rem;
  display: block;
}

/* Password inputs with inside toggle */
.input-with-toggle { position: relative; width: 100%; }
.input-with-toggle input { width: 100%; padding-right: 4.35rem; }
.input-toggle {
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  border-radius: 999px;
  border: 1px solid rgba(148,163,184,.9);
  background: #fff;
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  line-height: 1;
  user-select: none;
}
.input-toggle:hover { background: #f4f7fb; }

/* Error messages */
.field-error-message { display:none; }
.has-error .field-error-message { display:block; }

/* Strength bar */
.pw-strength-wrap { margin-top: 0.7rem; }
.pw-strength-top {
  display:flex; justify-content:space-between; align-items:center; gap:0.75rem;
  font-size: 0.78rem; color: var(--text-muted);
}
.pw-strength-track {
  height: 6px; border-radius: 999px; background:#e5e7eb; overflow:hidden; margin-top:0.35rem;
}
.pw-strength-bar {
  height: 100%;
  width: 0%;
  border-radius: 999px;
  transition: width 150ms ease-out;
  background: linear-gradient(90deg, var(--brand-blue), var(--brand-blue-light));
}

/* Password requirements — subtle on load; GREEN when met; never red */
.pw-rules-box {
  margin-top: 0.9rem;
  padding: 0.85rem 0.9rem;
  border: 1px solid #eef2f7;
  border-radius: 14px;
  background: #fbfcfe;
}
.pw-rules-box .pw-title {
  font-size: 0.82rem;
  font-weight: 700;
  color: #0b1020;
  margin-bottom: 0.45rem;
}
.pw-rules-box ul {
  margin: 0;
  padding-left: 1.2rem;
  font-size: 0.86rem;
  line-height: 1.55;
}
.pw-rules-box li { color: #94a3b8; }            /* neutral */
.pw-rules-box .rule-status { color: #cbd5e1; font-weight: 700; }
.pw-rules-box li.rule-ok { color: #065f46; }    /* green only */

/* Status message */
.form-status { display:none; margin-top: 0.9rem; font-size: 0.9rem; }
.form-status--error { display:inline-block; color:#b91c1c; }
.form-status--success { display:inline-block; color:#065f46; }
/* =====================================
   ONBOARDING – IDENTITY VERIFICATION
===================================== */
.idv-shell {
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
}

.idv-hero { padding: 3.25rem 0 3.25rem; }

.hero-form-card.idv-card { padding: 1.6rem 1.6rem 1.3rem; }

.idv-title {
  margin: 0 0 0.35rem;
  font-size: 1.25rem;
  color: #0b1020;
}

.idv-subtitle {
  margin: 0 0 1rem;
  font-size: 0.88rem;
  color: var(--text-muted);
}

.idv-widget-frame {
  border-radius: 18px;
  border: 1px solid #dde3f0;
  background: radial-gradient(circle at top left, rgba(0, 80, 179, 0.10), transparent 60%), #ffffff;
  box-shadow: 0 16px 34px rgba(148, 163, 184, 0.22);
  overflow: hidden;
  min-height: 520px;
}

#vouched-element { height: 520px; width: 100%; }

.idv-footnote {
  margin-top: 0.9rem;
  font-size: 0.78rem;
  color: var(--text-muted);
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  padding: 0.75rem 0.8rem;
  border-radius: 14px;
  background: #f9fafb;
  border: 1px solid rgba(148, 163, 184, 0.6);
}

.idv-footnote i { margin-top: 0.1rem; color: var(--brand-blue); }

@media (max-width: 900px) {
  .idv-shell { align-items: stretch; }
  .idv-hero { padding: 2.2rem 0 2.2rem; }
  #vouched-element { height: 620px; }
  .idv-widget-frame { min-height: 620px; }
}
/* =====================================
   ONBOARDING – IDENTITY VERIFICATION (LANDSCAPE / WIDE)
   Full styling (Desktop + Tablet + Mobile)
   Paste at the bottom of your stylesheet
===================================== */

/* Page background + centering */
.idv-page {
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
  padding: 2.5rem 0;
  background:
    radial-gradient(1100px 520px at 15% 15%, rgba(0, 80, 179, 0.14), transparent 60%),
    radial-gradient(1000px 500px at 85% 35%, rgba(245, 128, 37, 0.08), transparent 55%),
    var(--bg-main);
}

/* Wide panel to prevent QR + SMS stacking */
.idv-panel {
  width: min(1380px, calc(100% - 2rem));
  margin: 0 auto;
  border-radius: 22px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 24px 70px rgba(15, 23, 42, 0.10);
  overflow: hidden;
}

/* Header */
.idv-panel-header {
  padding: 1.4rem 1.8rem 1.3rem;
  border-bottom: 1px solid rgba(148, 163, 184, 0.35);
  background:
    radial-gradient(700px 260px at 10% 0%, rgba(0, 80, 179, 0.10), transparent 55%),
    #ffffff;
}

.idv-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.idv-title {
  margin: 0;
  font-size: 1.45rem;
  color: #0b1020;
}

.idv-subtitle {
  margin: 0.45rem 0 0;
  font-size: 0.95rem;
  color: var(--text-muted);
  max-width: 85ch;
  line-height: 1.45;
}

/* Pills */
.idv-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 0.95rem;
}

.idv-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.5rem 0.7rem;
  border-radius: 999px;
  background: #f7f9fc;
  border: 1px solid rgba(148, 163, 184, 0.45);
  font-size: 0.82rem;
  color: #0b1020;
}

.idv-pill i {
  color: var(--brand-blue);
}

/* Body layout (desktop: helper left, widget right) */
.idv-body {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 1.4rem;
  padding: 1.6rem 1.6rem 1.7rem;
}

/* Helper card */
.idv-help {
  border-radius: 18px;
  background: #f9fafb;
  border: 1px solid rgba(148, 163, 184, 0.45);
  padding: 1.05rem 1.05rem 1.1rem;
  height: fit-content;
}

.idv-help-title {
  margin: 0 0 0.65rem;
  font-size: 1rem;
  color: #0b1020;
}

.idv-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.55rem;
  color: var(--text-muted);
  font-size: 0.88rem;
}

.idv-list li {
  display: grid;
  grid-template-columns: 18px 1fr;
  gap: 0.55rem;
  align-items: start;
}

.idv-list i {
  margin-top: 0.18rem;
  color: var(--brand-blue);
}

/* Widget column */
.idv-widget-col {
  min-width: 0;
}

/* Widget frame (landscape) */
.idv-widget-frame {
  border-radius: 18px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background:
    radial-gradient(700px 260px at 20% 10%, rgba(0, 80, 179, 0.10), transparent 58%),
    #ffffff;
  box-shadow: 0 18px 40px rgba(148, 163, 184, 0.18);
  overflow: hidden;

  min-height: 380px;
}

#vouched-element {
  width: 100%;
  height: 380px;
}

/* Footnote inside helper */
.idv-footnote {
  margin-top: 0.9rem;
  font-size: 0.78rem;
  color: var(--text-muted);
  display: flex;
  gap: 0.5rem;
  align-items: flex-start;
  padding: 0.75rem 0.85rem;
  border-radius: 14px;
  background: #ffffff;
  border: 1px solid rgba(148, 163, 184, 0.45);
}

.idv-footnote i {
  margin-top: 0.1rem;
  color: var(--brand-blue);
}

.idv-footnote-title {
  font-weight: 700;
  color: #0b1020;
  margin-bottom: 0.15rem;
}

.idv-footnote-text {
  color: var(--text-muted);
}

/* =====================================
   TABLET: stack columns (helper ON TOP, widget BELOW)
===================================== */
@media (max-width: 1100px) {
  .idv-page {
    padding: 1.75rem 0;
  }

  .idv-panel {
    width: calc(100% - 1.5rem);
    border-radius: 18px;
  }

  /* Helper top, widget under */
  .idv-body {
    grid-template-columns: 1fr;
    gap: 1.1rem;
    padding: 1.25rem 1.25rem 1.4rem;
  }

  /* Make widget taller for camera */
  .idv-widget-frame {
    min-height: 560px;
  }

  #vouched-element {
    height: 560px;
  }
}

/* =====================================
   MOBILE: tighter spacing + helper first + widget below
===================================== */
@media (max-width: 640px) {
  .idv-page {
    padding: 1.2rem 0;
    align-items: flex-start;
  }

  .idv-panel {
    width: calc(100% - 1rem);
    border-radius: 16px;
  }

  .idv-panel-header {
    padding: 1.05rem 1.05rem 1.1rem;
  }

  .idv-eyebrow {
    font-size: 0.72rem;
    margin-bottom: 0.35rem;
  }

  .idv-title {
    font-size: 1.18rem;
    line-height: 1.2;
  }

  .idv-subtitle {
    font-size: 0.9rem;
    margin-top: 0.5rem;
  }

  .idv-pills {
    gap: 0.45rem;
    margin-top: 0.75rem;
  }

  .idv-pill {
    font-size: 0.74rem;
    padding: 0.45rem 0.6rem;
  }

  .idv-body {
    padding: 1rem 1rem 1.2rem;
    gap: 0.9rem;
  }

  /* Helper becomes a friendly “top card” */
  .idv-help {
    border-radius: 14px;
    padding: 0.95rem 0.95rem 1rem;
  }

  .idv-help-title {
    font-size: 0.95rem;
    margin-bottom: 0.55rem;
  }

  .idv-list {
    font-size: 0.84rem;
    gap: 0.45rem;
  }

  .idv-list li {
    grid-template-columns: 18px 1fr;
    gap: 0.5rem;
  }

  /* Widget gets portrait height (best UX on phones) */
  .idv-widget-frame {
    border-radius: 14px;
    min-height: 640px;
  }

  #vouched-element {
    height: 640px;
  }

  .idv-footnote {
    font-size: 0.74rem;
    padding: 0.65rem 0.7rem;
    border-radius: 12px;
  }
}

/* =====================================
   VERY SMALL PHONES
===================================== */
@media (max-width: 420px) {
  .idv-widget-frame {
    min-height: 700px;
  }

  #vouched-element {
    height: 700px;
  }
}
.idv-actions {
  margin-top: 14px;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 10px;
}

.idv-restart-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border-radius: 12px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  color: #0b1020;
  font-weight: 600;
  cursor: pointer;
  box-shadow: 0 10px 20px rgba(148, 163, 184, 0.18);
}

.idv-restart-btn:hover {
  transform: translateY(-1px);
}

.idv-actions-hint {
  font-size: 0.8rem;
  color: var(--text-muted);
  max-width: 720px;
  text-align: right;
}
/* ==============================
   ONBOARDING – OFFER OVERVIEW (RESPONSIVE)
===================================== */

.offer-page {
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
  padding: 2.5rem 0;
  background:
    radial-gradient(1100px 520px at 15% 15%, rgba(0, 80, 179, 0.14), transparent 60%),
    radial-gradient(1000px 500px at 85% 35%, rgba(245, 128, 37, 0.08), transparent 55%),
    var(--bg-main);
}

.offer-panel {
  width: min(1200px, calc(100% - 2rem));
  margin: 0 auto;
  border-radius: 22px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 24px 70px rgba(15, 23, 42, 0.10);
  overflow: hidden;
}

.offer-header {
  padding: 1.5rem 1.8rem 1.4rem;
  border-bottom: 1px solid rgba(148, 163, 184, 0.35);
  background:
    radial-gradient(700px 260px at 10% 0%, rgba(0, 80, 179, 0.10), transparent 55%),
    #ffffff;
}

.offer-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.offer-title {
  margin: 0;
  font-size: 1.55rem;
  color: #0b1020;
}

.offer-subtitle {
  margin: 0.55rem 0 0;
  font-size: 0.95rem;
  color: var(--text-muted);
  max-width: 90ch;
  line-height: 1.45;
}

.offer-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 1.2rem;
  padding: 1.6rem;
}

/* Main card */
.offer-card {
  border-radius: 18px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  padding: 1.2rem;
}

.offer-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1rem;
}

.offer-card__label {
  font-size: 0.95rem;
  font-weight: 900;
  color: #0b1020;
}

.offer-card__hint {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-top: 0.25rem;
  line-height: 1.35;
}

.offer-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 0.75rem;
  border-radius: 999px;
  background: rgba(16, 185, 129, 0.10);
  border: 1px solid rgba(16, 185, 129, 0.35);
  color: #065f46;
  font-weight: 900;
  font-size: 0.82rem;
  white-space: nowrap;
}

/* KPI tiles */
.offer-kpis {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.85rem;
}

.offer-kpi {
  border-radius: 14px;
  background: #f7f9fc;
  border: 1px solid rgba(148, 163, 184, 0.40);
  padding: 0.9rem;
  min-width: 0;
}

.offer-kpi__label {
  font-size: 0.82rem;
  color: var(--text-muted);
}

.offer-kpi__value {
  margin-top: 0.25rem;
  font-size: 1.2rem;
  font-weight: 950;
  color: #0b1020;
  letter-spacing: -0.01em;
}

.offer-kpi__sub {
  margin-top: 0.35rem;
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.25;
}

.offer-divider {
  height: 1px;
  background: rgba(148, 163, 184, 0.35);
  margin: 1.05rem 0;
}

/* Detail list */
.offer-dl {
  margin: 0;
  display: grid;
  gap: 0.7rem;
}

.offer-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.75rem 0.85rem;
  border-radius: 12px;
  background: #ffffff;
  border: 1px solid rgba(148, 163, 184, 0.26);
}

.offer-row dt {
  font-size: 0.9rem;
  color: var(--text-muted);
}

.offer-row dd {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 900;
  color: #0b1020;
  text-align: right;
}

/* Right side CTA */
.offer-side {
  min-width: 0;
}

.offer-side-card {
  border-radius: 18px;
  background: #f9fafb;
  border: 1px solid rgba(148, 163, 184, 0.45);
  padding: 1.2rem;
  height: fit-content;
  position: sticky;
  top: 92px;
}

.offer-side-title {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 950;
  color: #0b1020;
}

.offer-side-text {
  margin: 0.55rem 0 1rem;
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.45;
}

.offer-form { margin: 0; }

.offer-accept-btn {
  width: 100%;
  border: 0;
  border-radius: 14px;
  padding: 0.95rem 1rem;
  font-weight: 950;
  cursor: pointer;
  color: #ffffff;
  background: var(--brand-blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  box-shadow: 0 10px 22px rgba(0, 80, 179, 0.20);
}

.offer-accept-btn:hover {
  filter: brightness(0.98);
}

.offer-side-foot {
  margin-top: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--text-muted);
  font-size: 0.82rem;
}

/* -----------------------
   TABLET (stack + keep strong spacing)
----------------------- */
@media (max-width: 980px) {
.offer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 360px;
  gap: 1.5rem;
}

  .offer-side-card {
    position: static;
  }

  .offer-kpis {
    grid-template-columns: 1fr;
  }
}
/* Desktop / tablet: show sidebar, hide mobile CTA */
.offer-mobile-cta {
  display: none;
}

/* Mobile only */
@media (max-width: 640px) {
  .offer-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .offer-side {
    margin-top: 1rem;
  }
}
/* ==========================================================
   FIX: Funding modal address block alignment (scoped)
   City/State/ZIP were misaligned due to .offer-field + .offer-field
   ========================================================== */

/* Keep legacy textarea hidden (ONLY here) */
.offer-address-block textarea#fundingAddress {
  position: absolute !important;
  left: -9999px !important;
  width: 1px !important;
  height: 1px !important;
  opacity: 0 !important;
  pointer-events: none !important;
  padding: 0 !important;
  margin: 0 !important;
  border: 0 !important;
  background: transparent !important;
  resize: none !important;
}

/* Spacing between top-level stacked fields ONLY (not inside the grid) */
.offer-address-block > .offer-field + .offer-field {
  margin-top: 14px;
}

/* Ensure the grid itself has spacing from the field above it */
.offer-address-block > .offer-field-grid--citystatezip {
  margin-top: 14px;
}

/* CRITICAL: cancel the sibling margin rule inside the city/state/zip grid */
.offer-address-block .offer-field-grid--citystatezip .offer-field,
.offer-address-block .offer-field-grid--citystatezip .offer-field + .offer-field {
  margin-top: 0 !important;
}

/* Grid layout */
.offer-address-block .offer-field-grid--citystatezip {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(0, 1fr) minmax(0, 1fr);
  gap: 12px;
  align-items: start;
}

/* Make each grid item consistent */
.offer-address-block .offer-field-grid--citystatezip .offer-field {
  display: flex;
  flex-direction: column;
  min-width: 0;
}

/* Normalize controls inside the grid */
.offer-address-block .offer-field-grid--citystatezip input,
.offer-address-block .offer-field-grid--citystatezip select {
  box-sizing: border-box;
  height: 44px;
  line-height: 1.2;
}

/* Mobile stacking */
@media (max-width: 640px) {
  .offer-address-block .offer-field-grid--citystatezip {
    grid-template-columns: 1fr;
  }
}
.offer-field.has-error input,
.offer-field.has-error select {
  border-color: #dc2626;
  box-shadow: 0 0 0 1px rgba(220, 38, 38, 0.35);
}
/* Read-only business account name (locked field) */
#fundingAccountHolder[readonly] {
  background-color: #f3f4f6;     /* very light gray */
  color: #6b7280;                /* muted text */
  border-color: #e5e7eb;
  cursor: not-allowed;
}

/* Prevent focus glow */
#fundingAccountHolder[readonly]:focus {
  box-shadow: none;
  border-color: #e5e7eb;
}



/* ==============================
   OFFER – FUNDING CARD + MODAL FOOT
===================================== */

.offer-side-card--funding {
  background: #ffffff;
}

.offer-funding-summary {
  margin: 0.75rem 0 0.95rem;
  border-radius: 14px;
  border: 1px solid rgba(148, 163, 184, 0.35);
  background: #ffffff;
  padding: 0.85rem 0.9rem;
}

.offer-funding-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 900;
  font-size: 0.85rem;
  border-radius: 999px;
  padding: 0.4rem 0.65rem;
  border: 1px solid transparent;
}

.offer-funding-pill--ok {
  background: rgba(16, 185, 129, 0.10);
  border-color: rgba(16, 185, 129, 0.35);
  color: #065f46;
}

.offer-funding-pill--warn {
  background: rgba(245, 158, 11, 0.12);
  border-color: rgba(245, 158, 11, 0.35);
  color: #92400e;
}

.offer-funding-meta {
  margin-top: 0.65rem;
  color: var(--text-muted);
  font-size: 0.88rem;
  line-height: 1.45;
  display: grid;
  gap: 0.3rem;
}

.offer-secondary-btn,
.offer-primary-btn {
  border-radius: 14px;
  padding: 0.9rem 1rem;
  font-weight: 950;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  width: 100%;
  touch-action: manipulation;
}

.offer-secondary-btn {
  background: #ffffff;
  border: 1px solid rgba(148, 163, 184, 0.55);
  color: #0b1020;
  box-shadow: 0 10px 22px rgba(148, 163, 184, 0.16);
}

.offer-secondary-btn:hover {
  transform: translateY(-1px);
}

.offer-primary-btn {
  border: 0;
  color: #ffffff;
  background: var(--brand-blue);
  box-shadow: 0 10px 22px rgba(0, 80, 179, 0.20);
}

.offer-primary-btn:disabled,
.offer-secondary-btn:disabled,
.offer-accept-btn:disabled {
  opacity: 0.55;
  cursor: not-allowed;
  transform: none !important;
  filter: none !important;
}

.offer-inline-hint {
  margin-top: 0.7rem;
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.35;
}

.offer-funding-radio {
  display: grid;
  gap: 0.7rem;
  margin-bottom: 1rem;
}

.offer-radio {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  border-radius: 14px;
  border: 1px solid rgba(148, 163, 184, 0.45);
  background: #ffffff;
  padding: 0.8rem 0.9rem;
  cursor: pointer;
}

.offer-radio input {
  width: 18px;
  height: 18px;
}

.offer-radio-sub {
  display: block;
  font-size: 0.82rem;
  color: var(--text-muted);
  font-weight: 600;
  margin-top: 0.15rem;
}

.offer-funding-form {
  display: grid;
  gap: 0.95rem;
}

.offer-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 900;
  color: #0b1020;
  margin-bottom: 0.35rem;
}

.offer-field input,
.offer-field select,
.offer-field textarea {
  width: 100%;
  border-radius: 12px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  padding: 0.8rem 0.85rem;
  font-size: 0.95rem;
  outline: none;
}

.offer-field textarea {
  resize: vertical;
}

.offer-field input:focus,
.offer-field select:focus,
.offer-field textarea:focus {
  border-color: rgba(0, 80, 179, 0.55);
  box-shadow: 0 0 0 4px rgba(0, 80, 179, 0.10);
}

.offer-field-hint {
  margin-top: 0.35rem;
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.35;
}

.offer-field-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}

.offer-modal-foot {
  padding: 0.95rem 1.25rem 1.15rem;
  border-top: 1px solid #eef2f7;
  background: #ffffff;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.85rem;
}

@media (max-width: 640px) {
  .offer-field-grid {
    grid-template-columns: 1fr;
  }

  .offer-modal-foot {
    grid-template-columns: 1fr;
  }
}

/* Add space between stacked right-side cards (Funding box + Accept box) */
.offer-side {
  display: flex;
  flex-direction: column;
  gap: 15px; /* change to 10px if you want tighter */
}

/* Safety fallback in case .offer-side isn't flex in some breakpoints */
.offer-side > .offer-side-card + .offer-side-card {
  margin-top: 15px;
}


/* ==============================
   ONBOARDING – PENDING REVIEW
   (Application Under Review)
============================== */

.pending-page {
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
  padding: 2.5rem 0;
  background:
    radial-gradient(1100px 520px at 15% 15%, rgba(0, 80, 179, 0.14), transparent 60%),
    radial-gradient(1000px 500px at 85% 35%, rgba(245, 128, 37, 0.08), transparent 55%),
    var(--bg-main);
}

.pending-panel {
  width: min(900px, calc(100% - 2rem));
  margin: 0 auto;
  border-radius: 22px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 24px 70px rgba(15, 23, 42, 0.10);
  overflow: hidden;
}

.pending-header {
  padding: 1.6rem 1.8rem 1.35rem;
  border-bottom: 1px solid rgba(148, 163, 184, 0.35);
  background:
    radial-gradient(700px 260px at 10% 0%, rgba(0, 80, 179, 0.10), transparent 55%),
    #ffffff;
}

.pending-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.pending-title {
  margin: 0;
  font-size: 1.55rem;
  color: #0b1020;
}

.pending-subtitle {
  margin: 0.55rem 0 0;
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.45;
  max-width: 80ch;
}

.pending-body {
  padding: 1.6rem;
}

.pending-card {
  border-radius: 18px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 18px 45px rgba(15, 23, 42, 0.06);
  padding: 1.2rem 1.25rem;
}

.pending-status {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 0.9rem;
  align-items: start;
}

.pending-icon {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(0, 80, 179, 0.10);
  color: var(--brand-blue);
}

.pending-status-title {
  margin: 0 0 0.25rem;
  font-size: 1.02rem;
  font-weight: 750;
  color: #0b1020;
}

.pending-status-text {
  margin: 0;
  color: var(--text-muted);
  line-height: 1.55;
  font-size: 0.92rem;
}

/* Mobile tweaks */
@media (max-width: 640px) {
  .pending-page {
    align-items: stretch;
    padding: 1.6rem 0;
  }

  .pending-header {
    padding: 1.25rem 1.2rem 1.1rem;
  }

  .pending-body {
    padding: 1.15rem;
  }

  .pending-title {
    font-size: 1.3rem;
  }

  .pending-card {
    padding: 1.05rem 1.05rem;
    border-radius: 16px;
  }
}
/* ==========================================
   ONBOARDING – DECLINED (Neutral / Institutional)
========================================== */

.declined-page {
  min-height: calc(100vh - 76px);
  display: flex;
  align-items: center;
  padding: 2.5rem 0;
  background:
    radial-gradient(900px 420px at 15% 12%, rgba(0, 80, 179, 0.10), transparent 60%),
    radial-gradient(900px 420px at 85% 28%, rgba(15, 23, 42, 0.04), transparent 62%),
    var(--bg-main);
}

.declined-panel {
  width: min(940px, calc(100% - 2rem));
  margin: 0 auto;
  border-radius: 22px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 26px 72px rgba(15, 23, 42, 0.10);
  overflow: hidden;
}

/* Header */
.declined-header {
  padding: 1.6rem 1.8rem 1.4rem;
  border-bottom: 1px solid rgba(148, 163, 184, 0.30);
  background:
    radial-gradient(720px 260px at 10% 0%, rgba(0, 80, 179, 0.08), transparent 55%),
    #ffffff;
}

.declined-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.78rem;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.45rem;
}

.declined-eyebrow i {
  color: rgba(185, 28, 28, 0.85);
}

.declined-title {
  margin: 0;
  font-size: 1.55rem;
  line-height: 1.2;
  color: #0b1020;
}

.declined-subtitle {
  margin: 0.55rem 0 0;
  font-size: 0.96rem;
  color: #4b5563;
  line-height: 1.55;
  max-width: 78ch;
}

/* Body */
.declined-body {
  padding: 1.7rem;
}

/* Card */
.declined-card {
  border-radius: 20px;
  border: 1px solid rgba(148, 163, 184, 0.55);
  background: #ffffff;
  box-shadow: 0 18px 46px rgba(15, 23, 42, 0.08);
  padding: 1.3rem 1.4rem;
}

.declined-row {
  display: grid;
  grid-template-columns: 48px 1fr;
  gap: 1rem;
  align-items: start;
}

/* Icon */
.declined-icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(185, 28, 28, 0.08);
  border: 1px solid rgba(185, 28, 28, 0.16);
}

.declined-icon i {
  font-size: 1.15rem;
  color: rgba(185, 28, 28, 0.85);
}

/* Copy */
.declined-card-title {
  margin: 0 0 0.35rem;
  font-size: 1.05rem;
  font-weight: 650;
  color: #0b1020;
}

.declined-card-text {
  margin: 0 0 0.45rem;
  font-size: 0.94rem;
  color: #4b5563;
  line-height: 1.6;
}

/* Links */
.declined-card-text a {
  color: var(--brand-blue);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.declined-card-text a:hover {
  color: var(--brand-blue-light);
}

/* Mobile */
@media (max-width: 640px) {
  .declined-page {
    align-items: stretch;
    padding: 1.75rem 0;
  }

  .declined-panel {
    width: calc(100% - 1.5rem);
    border-radius: 20px;
  }

  .declined-header {
    padding: 1.25rem 1.2rem 1.05rem;
  }

  .declined-title {
    font-size: 1.28rem;
  }

  .declined-body {
    padding: 1.15rem;
  }

  .declined-card {
    padding: 1.05rem;
    border-radius: 16px;
  }

  .declined-row {
    grid-template-columns: 42px 1fr;
    gap: 0.85rem;
  }

  .declined-icon {
    width: 42px;
    height: 42px;
    border-radius: 12px;
  }

  .declined-icon i {
    font-size: 1.05rem;
  }
}



/* ================================
   CONTRACTS PAGE + SIGNFLOW
================================== */

/* Page shell */
.contract-page {
  width: 100%;
  padding: 2.25rem 0 5.5rem; /* bottom space for mobile fixed CTA */
}

.contract-panel {
  width: 100%;
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.25rem;
}

/* Header */
.contract-header {
  margin-bottom: 1.25rem;
}

.contract-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.82rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: rgba(17, 24, 39, 0.72);
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(209, 213, 230, 0.9);
  border-radius: 999px;
  padding: 0.45rem 0.8rem;
  box-shadow: 0 10px 28px rgba(15, 23, 42, 0.06);
}

.contract-title {
  margin: 0.8rem 0 0.35rem;
  font-size: 1.75rem;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

.contract-subtitle {
  margin: 0;
  color: var(--text-muted);
  max-width: 72ch;
}

/* Two-column layout */
.contract-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 360px);
  gap: 1.6rem;
  align-items: start;
  margin-top: 1.25rem;
}

/* Left doc card */
.contract-doc-wrap {
  min-width: 0;
}

.contract-doc {
  background: #fff;
  border: 1px solid #ddd;
  border-radius: 4px;
  box-shadow: none;
  padding: 1.5rem 1.5rem;
  overflow: hidden;
  /*font-family: Georgia, "Times New Roman", Times, serif;*/
  font-size: 11.5px;
  line-height: 1.55;
  color: #111;
}

/* Typography inside contract */
.contract-h2 {
  margin: 0 0 1rem;
  font-size: 1.05rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-family: Arial, Helvetica, sans-serif;
}

.contract-h3 {
  margin: 1.25rem 0 0.75rem;
  font-size: 0.95rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(17, 24, 39, 0.78);
  font-family: Arial, Helvetica, sans-serif;
}

.contract-p {
  margin: 0 0 0.8rem;
  color: #111;
}

.contract-indent {
  padding-left: 1rem;
}

.contract-divider {
  height: 1px;
  background: #ddd;
  margin: 1.25rem 0;
}

.muted {
  color: #666;
  font-size: 0.9em;
}

/* Contract info rows */
.contract-block {
  border: 1px solid #ddd;
  border-radius: 0;
  padding: 1rem 1.05rem;
  background: none;
}

.contract-row {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  gap: 0.85rem;
  padding: 0.55rem 0;
  border-top: 1px solid #ddd;
}

.contract-row:first-child {
  border-top: 0;
  padding-top: 0;
}

.contract-row__label {
  font-weight: 700;
  color: #333;
}

.contract-row__value {
  color: #111;
  word-break: break-word;
}

.contract-row--split {
  grid-template-columns: 1fr;
}

.contract-row__col {
  display: grid;
  grid-template-columns: 220px minmax(0, 1fr);
  gap: 0.85rem;
  padding: 0.55rem 0;
  border-top: 1px solid #ddd;
}

/* Terms grid */
.contract-terms-grid {
  margin-top: 1.1rem;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
}

.contract-term-card {
  border: none;
  border-radius: 0;
  padding: 0.95rem 0.95rem 0.9rem;
  background: none;
  box-shadow: none;
}

.contract-term-card__title {
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 800;
  color: #333;
  margin-bottom: 0.35rem;
}

.contract-term-card__desc {
  font-size: 0.88rem;
  color: #555;
  margin-bottom: 0.7rem;
}

.contract-term-card__val {
  font-weight: 800;
  font-size: 1.05rem;
  color: #111;
}

/* Signature section */
.contract-signatures {
  margin-top: 1.3rem;
  display: grid;
  gap: 1rem;
}

.contract-sign-card {
  border: 1px solid rgba(209, 213, 230, 0.95);
  border-radius: 16px;
  padding: 1.05rem 1.05rem 0.95rem;
  background: rgba(248, 250, 252, 0.72);
  box-shadow: 0 12px 30px rgba(15, 23, 42, 0.06);
}

.contract-sign-title {
  font-weight: 900;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 0.78rem;
  color: rgba(17, 24, 39, 0.7);
  margin-bottom: 0.4rem;
}

.contract-sign-line {
  color: rgba(17, 24, 39, 0.9);
  margin-bottom: 0.85rem;
}

.contract-fill {
  font-weight: 700;
  color: rgba(17, 24, 39, 0.92);
}

/* Signfield layout */
.signfield-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.95rem;
  align-items: start;
}

.signfield-col {
  border: 1px solid rgba(209, 213, 230, 0.95);
  border-radius: 14px;
  padding: 0.85rem 0.85rem 0.8rem;
  background: rgba(255, 255, 255, 0.86);
  transition: box-shadow var(--transition-fast), border-color var(--transition-fast), transform var(--transition-fast);
  min-width: 0;
}

.signfield-label {
  font-weight: 800;
  font-size: 0.85rem;
  color: rgba(17, 24, 39, 0.72);
  margin-bottom: 0.5rem;
}

.signfield-input {
  width: 100%;
  border: 1px solid rgba(209, 213, 230, 0.95);
  border-radius: 12px;
  padding: 0.75rem 0.8rem;
  font: inherit;
  background: #fff;
  outline: none;
  transition: box-shadow var(--transition-fast), border-color var(--transition-fast);
}

.signfield-input:focus {
  border-color: rgba(29, 143, 255, 0.85);
  box-shadow: 0 0 0 4px rgba(29, 143, 255, 0.16);
}

.signfield-signature {
  display: none; /* JS shows when signed */
  min-height: 56px;
  border: 1px dashed rgba(209, 213, 230, 0.95);
  border-radius: 12px;
  padding: 0.6rem 0.75rem;
  align-items: center;
  justify-content: center;
  background: rgba(248, 250, 252, 0.8);
  margin-top: 0.65rem;
  overflow: hidden;
}

.signfield-meta {
  margin-top: 0.75rem;
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  color: rgba(75, 85, 99, 0.9);
  font-size: 0.92rem;
}

/* Focus / complete states (driven by JS) */
.signfield-focus {
  border-color: rgba(29, 143, 255, 0.95) !important;
  box-shadow: 0 0 0 4px rgba(29, 143, 255, 0.14);
  transform: translateY(-1px);
}

.is-complete {
  border-color: rgba(16, 185, 129, 0.65) !important;
}

/* Buttons */
.signflow-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  border: 1px solid rgba(209, 213, 230, 0.95);
  background: #fff;
  color: rgba(17, 24, 39, 0.92);
  border-radius: 12px;
  padding: 0.75rem 0.9rem;
  font-weight: 800;
  cursor: pointer;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), border-color var(--transition-fast);
  user-select: none;
}

.signflow-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 26px rgba(15, 23, 42, 0.10);
  border-color: rgba(29, 143, 255, 0.55);
}

.signflow-start {
  width: 100%;
  background: linear-gradient(180deg, rgba(29,143,255,1), rgba(0,80,179,1));
  color: #fff;
  border-color: rgba(0, 80, 179, 0.55);
  box-shadow: 0 14px 30px rgba(0, 80, 179, 0.20);
}

.signflow-start:hover {
  box-shadow: 0 18px 40px rgba(0, 80, 179, 0.24);
}

.signfield-btn {
  width: 100%;
}

/* Right side card */
.contract-side {
  position: sticky;
  top: 110px; /* sits under sticky header */
  align-self: start;
  z-index: 5;
}

.contract-side-card {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid var(--border-subtle);
  border-radius: 16px;
  padding: 1.15rem 1.1rem 1rem;
  box-shadow: 0 16px 45px rgba(15, 23, 42, 0.10);
  backdrop-filter: blur(12px);
}

.contract-side-title {
  margin: 0 0 0.45rem;
  font-size: 0.9rem;
  font-weight: 900;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(17, 24, 39, 0.75);
}

.contract-side-text {
  margin: 0 0 0.95rem;
  color: rgba(75, 85, 99, 0.95);
}

/* Progress list */
.signflow-progress {
  margin-top: 0.95rem;
  border-top: 1px solid rgba(209, 213, 230, 0.85);
  padding-top: 0.95rem;
}

.signflow-progress__title {
  font-weight: 900;
  font-size: 0.85rem;
  margin-bottom: 0.6rem;
  color: rgba(17, 24, 39, 0.78);
}

.signflow-progress__list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.55rem;
}

.signflow-progress__list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: rgba(17, 24, 39, 0.88);
  font-weight: 600;
}

.dot--pending,
.dot--done {
  width: 10px;
  height: 10px;
  border-radius: 999px;
  display: inline-block;
  flex: 0 0 auto;
}

.dot--pending {
  background: rgba(148, 163, 184, 0.9);
  box-shadow: inset 0 0 0 2px rgba(255,255,255,0.85);
}

.dot--done {
  background: rgba(16, 185, 129, 0.95);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.14);
}

.signflow-progress__hint {
  margin-top: 0.75rem;
  font-size: 0.9rem;
  color: rgba(75, 85, 99, 0.92);
}

/* Acknowledge form */
.contract-form {
  margin-top: 0.1rem;
  display: grid;
  gap: 0.85rem;
}

.contract-check {
  display: flex;
  gap: 0.65rem;
  align-items: flex-start;
  font-weight: 600;
  color: rgba(17, 24, 39, 0.9);
}

.contract-check input {
  margin-top: 0.2rem;
}

.contract-ack-btn {
  width: 100%;
  display: inline-flex;
  gap: 0.55rem;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  padding: 0.85rem 0.95rem;
  font-weight: 900;
  border: 1px solid rgba(209, 213, 230, 0.95);
  background: rgba(17, 24, 39, 0.04);
  color: rgba(17, 24, 39, 0.9);
  cursor: pointer;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
}

.contract-ack-btn:disabled {
  opacity: 0.55;
  cursor: not-allowed;
  transform: none;
  box-shadow: none;
}

.contract-ack-btn:not(:disabled):hover {
  transform: translateY(-1px);
  box-shadow: 0 12px 26px rgba(15, 23, 42, 0.10);
  background: rgba(29, 143, 255, 0.10);
  border-color: rgba(29, 143, 255, 0.35);
}

.contract-side-foot {
  margin-top: 0.95rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(75, 85, 99, 0.9);
  font-size: 0.9rem;
}

/* Mobile fixed CTA */
.contract-mobile-cta {
  display: none; /* desktop hidden */
}

.contract-mobile-cta__inner {
  display: grid;
  gap: 0.8rem;
  padding: 0.8rem 1rem;
  background: #fff;
  border-top-left-radius: 16px;
  border-top-right-radius: 16px;
  box-shadow: 0 -4px 12px rgba(0,0,0,0.1);
}

/* Tighten mobile checkbox label a bit */
.contract-check--mobile {
  font-size: 0.95rem;
}

/* Toast */
.signflow-toast {
  position: fixed;
  left: 50%;
  bottom: 1.25rem;
  transform: translateX(-50%);
  background: rgba(17, 24, 39, 0.92);
  color: #fff;
  padding: 0.75rem 1.2rem;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
  opacity: 0;
  pointer-events: none;
  transition: opacity 180ms ease-out, transform 180ms ease-out;
  z-index: 2000;
}

.signflow-toast.is-showing {
  opacity: 1;
  transform: translateX(-50%) translateY(-2px);
}

/* Modal */
.signflow-noscroll {
  overflow: hidden !important;
}

.signflow-modal[aria-hidden="true"] {
  display: none;
}

.signflow-modal {
  position: fixed;
  inset: 0;
  z-index: 2500;
}

.signflow-modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(15, 23, 42, 0.55);
}

.signflow-modal__panel {
  position: relative;
  width: min(720px, calc(100% - 2rem));
  margin: 5vh auto;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(209, 213, 230, 0.9);
  border-radius: 18px;
  box-shadow: 0 26px 70px rgba(15, 23, 42, 0.28);
  overflow: hidden;
}

.signflow-modal__head {
  padding: 1.05rem 1.1rem;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  border-bottom: 1px solid rgba(209, 213, 230, 0.85);
  background: rgba(248, 250, 252, 0.75);
}

.signflow-modal__title {
  font-weight: 950;
  letter-spacing: -0.01em;
  font-size: 1.05rem;
}

.signflow-modal__subtitle {
  margin-top: 0.2rem;
  color: rgba(75, 85, 99, 0.95);
}

.signflow-icon-btn {
  border: 1px solid rgba(209, 213, 230, 0.9);
  background: #fff;
  border-radius: 12px;
  padding: 0.55rem 0.65rem;
  cursor: pointer;
  transition: box-shadow var(--transition-fast), transform var(--transition-fast);
}

.signflow-icon-btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 26px rgba(15, 23, 42, 0.10);
}

/* Tabs */
.signflow-tabs {
  display: flex;
  gap: 0.55rem;
  padding: 0.95rem 1.1rem 0.2rem;
}

.signflow-tab {
  border: 1px solid rgba(209, 213, 230, 0.95);
  background: rgba(255, 255, 255, 0.95);
  border-radius: 999px;
  padding: 0.55rem 0.85rem;
  font-weight: 900;
  cursor: pointer;
  color: rgba(17, 24, 39, 0.85);
}

.signflow-tab.is-active {
  background: rgba(29, 143, 255, 0.12);
  border-color: rgba(29, 143, 255, 0.35);
  color: rgba(0, 80, 179, 0.95);
}

/* Modal body */
.signflow-modal__body {
  padding: 0.9rem 1.1rem 1.05rem;
}

.signflow-pane {
  display: none;
}

.signflow-pane.is-active {
  display: block;
}

/* Draw area */
.signflow-canvas-wrap {
  border: 1px solid rgba(209, 213, 230, 0.95);
  border-radius: 16px;
  background: rgba(248, 250, 252, 0.72);
  padding: 0.75rem;
}

#sigCanvas {
  width: 100%;
  height: 200px;
  display: block;
  border-radius: 12px;
  background: #fff;
  border: 1px solid rgba(209, 213, 230, 0.95);
  touch-action: none; /* critical for mobile drawing */
}

/* Type area */
.signflow-type-row {
  display: grid;
  gap: 0.65rem;
}

#sigTypeInput {
  width: 100%;
  border: 1px solid rgba(209, 213, 230, 0.95);
  border-radius: 14px;
  padding: 0.85rem 0.9rem;
  font: inherit;
  outline: none;
}

#sigTypeInput:focus {
  border-color: rgba(29, 143, 255, 0.85);
  box-shadow: 0 0 0 4px rgba(29, 143, 255, 0.16);
}

.signflow-type-preview {
  border: 1px dashed rgba(209, 213, 230, 0.95);
  border-radius: 14px;
  padding: 1rem;
  background: rgba(248, 250, 252, 0.75);
  min-height: 92px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

/* Modal footer */
.signflow-modal__foot {
  border-top: 1px solid rgba(209, 213, 230, 0.85);
  background: rgba(248, 250, 252, 0.75);
  padding: 0.9rem 1.1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.85rem;
}

.signflow-foot-actions {
  display: flex;
  gap: 0.65rem;
  align-items: center;
}

.signflow-secondary {
  background: #fff;
}

.signflow-primary {
  background: linear-gradient(180deg, rgba(29,143,255,1), rgba(0,80,179,1));
  color: #fff;
  border-color: rgba(0, 80, 179, 0.55);
}

/* Responsive */
@media (max-width: 1100px) {
  .contract-terms-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 980px) {
  .contract-grid {
    grid-template-columns: 1fr;
  }

  .contract-side {
    display: none;
  }

  .contract-mobile-cta {
    display: block;
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 1500;
    padding: 0.85rem 1rem env(safe-area-inset-bottom);
    background: rgba(255, 255, 255, 0.86);
    border-top: 1px solid rgba(209, 213, 230, 0.85);
    backdrop-filter: blur(14px);
    box-shadow: 0 -18px 40px rgba(15, 23, 42, 0.12);
  }

  .contract-doc {
    padding: 1.4rem 1.25rem;
  }

  .contract-page {
    padding-bottom: 25rem;
  }
}

@media (max-width: 720px) {
  .contract-row,
  .contract-row__col {
    grid-template-columns: 1fr;
  }

  .contract-terms-grid {
    grid-template-columns: 1fr;
  }

  .signfield-grid {
    grid-template-columns: 1fr;
  }

  #sigCanvas {
    height: 180px;
  }
}

.error-box {
  background: rgba(255, 0, 0, 0.1);
  border: 1px solid red;
  border-radius: 8px;
  padding: 1rem;
  margin-bottom: 1rem;
  color: red;
}
.error {
  font-weight: bold;
}
.signflow-flashes {
  margin: 12px 0 16px;
  padding: 12px;
  background: #f8f9fa;
  border: 1px solid #dee2e6;
  border-radius: 8px;
}
.signflow-flash {
  padding: 8px 12px;
  border-radius: 6px;
  font-weight: 600;
  margin-bottom: 8px;
}
.signflow-flash--error {
  background: #ffe3e3;
  border: 1px solid #ffcccc;
  color: #c62828;
}
.signflow-flash--success {
  background: #e8f5e9;
  border: 1px solid #c8e6c9;
  color: #2e7d32;
}

/* =========================================
   SIGNFLOW – Modal polish + real buttons
   Paste at bottom of your CSS
========================================= */

/* Modal backdrop + layout */
.signflow-modal{
  position: fixed;
  inset: 0;
  display: none;          /* your JS can toggle to flex */
  align-items: center;
  justify-content: center;
  padding: 24px;
  z-index: 9999;
}

.signflow-modal[aria-hidden="false"]{
  display: flex;
}

.signflow-modal__overlay{
  position: absolute;
  inset: 0;
  background: rgba(15, 23, 42, 0.55);
  backdrop-filter: blur(6px);
}

.signflow-modal__panel{
  position: relative;
  width: min(560px, calc(100vw - 48px));
  max-height: min(78vh, 760px);
  overflow: hidden;
  border-radius: 18px;
  background: rgba(255,255,255,0.98);
  border: 1px solid rgba(226, 232, 240, 0.95);
  box-shadow: 0 28px 70px rgba(2, 6, 23, 0.26);
}

/* Header */
.signflow-modal__head{
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 18px 14px;
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
}

.signflow-modal__title{
  font-size: 1.1rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  color: rgba(15, 23, 42, 0.96);
}

.signflow-modal__subtitle{
  margin-top: 4px;
  font-size: 0.92rem;
  color: rgba(71, 85, 105, 0.95);
  line-height: 1.35;
}

.signflow-icon-btn{
  width: 38px;
  height: 38px;
  border-radius: 12px;
  border: 1px solid rgba(226, 232, 240, 0.95);
  background: rgba(255,255,255,0.9);
  color: rgba(30, 41, 59, 0.95);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: transform 140ms ease, box-shadow 140ms ease, border-color 140ms ease;
}

.signflow-icon-btn:hover{
  transform: translateY(-1px);
  box-shadow: 0 14px 26px rgba(2, 6, 23, 0.10);
  border-color: rgba(148, 163, 184, 0.7);
}

/* Tabs */
.signflow-tabs{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  padding: 12px 18px 0;
}

.signflow-tab{
  border: 1px solid rgba(226, 232, 240, 0.95);
  background: rgba(248, 250, 252, 0.9);
  color: rgba(51, 65, 85, 0.95);
  border-radius: 14px;
  padding: 10px 12px;
  font-weight: 800;
  cursor: pointer;
  transition: background 140ms ease, border-color 140ms ease, transform 140ms ease, box-shadow 140ms ease;
}

.signflow-tab:hover{
  transform: translateY(-1px);
  box-shadow: 0 14px 26px rgba(2, 6, 23, 0.08);
}

.signflow-tab.is-active{
  background: rgba(29, 143, 255, 0.12);
  border-color: rgba(29, 143, 255, 0.45);
  color: rgba(2, 63, 141, 0.98);
}

/* Body */
.signflow-tabpanes{
  padding: 14px 18px 18px;
}

/* Draw area */
.signflow-canvas-wrap{
  border-radius: 16px;
  background: rgba(248, 250, 252, 0.9);
  border: 1px solid rgba(226, 232, 240, 0.95);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,0.7);
  overflow: hidden;
}

.signflow-canvas{
  width: 100%;
  height: 200px;
  display: block;
  background: transparent;
}

.signflow-tools{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-top: 12px;
}

.signflow-tip{
  font-size: 0.9rem;
  color: rgba(71, 85, 105, 0.95);
}

/* Type pane */
.signflow-type{
  display: grid;
  gap: 10px;
}

.signflow-type__label{
  font-size: 0.92rem;
  font-weight: 800;
  color: rgba(15, 23, 42, 0.86);
}

.signflow-type__input{
  width: 100%;
  padding: 12px 12px;
  border-radius: 14px;
  border: 1px solid rgba(226, 232, 240, 0.98);
  background: rgba(248, 250, 252, 0.95);
  color: rgba(15, 23, 42, 0.96);
  outline: none;
  transition: box-shadow 140ms ease, border-color 140ms ease, background 140ms ease;
}

.signflow-type__input:focus{
  border-color: rgba(29, 143, 255, 0.6);
  background: rgba(255,255,255,0.98);
  box-shadow: 0 0 0 4px rgba(29, 143, 255, 0.16);
}

/* Footer */
.signflow-modal__foot{
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  padding: 14px 18px 18px;
  border-top: 1px solid rgba(226, 232, 240, 0.9);
  background: linear-gradient(to bottom, rgba(255,255,255,0.65), rgba(255,255,255,0.98));
}

/* Real button system */
.signflow-btn{
  border: 1px solid transparent;
  border-radius: 14px;
  padding: 10px 14px;
  font-weight: 900;
  letter-spacing: -0.01em;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  transition: transform 140ms ease, box-shadow 140ms ease, background 140ms ease, border-color 140ms ease, color 140ms ease;
  user-select: none;
}

.signflow-btn:active{
  transform: translateY(0px) scale(0.99);
}

/* Ghost (Cancel / Clear) */
.signflow-btn--ghost{
  background: rgba(248, 250, 252, 0.95);
  border-color: rgba(226, 232, 240, 0.98);
  color: rgba(30, 41, 59, 0.92);
}

.signflow-btn--ghost:hover{
  transform: translateY(-1px);
  box-shadow: 0 16px 32px rgba(2, 6, 23, 0.10);
  border-color: rgba(148, 163, 184, 0.7);
}

/* Primary (Apply) */
.signflow-btn--primary{
  background: rgba(29, 143, 255, 0.95);
  border-color: rgba(29, 143, 255, 0.95);
  color: #fff;
  box-shadow: 0 18px 38px rgba(29, 143, 255, 0.25);
}

.signflow-btn--primary:hover{
  transform: translateY(-1px);
  box-shadow: 0 22px 48px rgba(29, 143, 255, 0.30);
}

/* Small screens */
@media (max-width: 520px){
  .signflow-modal{
    padding: 14px;
  }
  .signflow-modal__panel{
    width: min(560px, calc(100vw - 28px));
  }
  .signflow-tools{
    flex-direction: column;
    align-items: stretch;
  }
  .signflow-modal__foot{
    flex-direction: column-reverse;
    align-items: stretch;
  }
}
.signflow-typed {
  font-family: ui-serif, Georgia, "Times New Roman", serif;
  font-style: italic;
  font-size: 28px;
  letter-spacing: 0.2px;
  color: rgba(15, 23, 42, 0.92);
}
.contract-check {
  font-size: 0.875rem; /* ~14px */
}
.contract-check--mobile {
  font-size: 0.8125rem; /* ~13px */
}

.contract-check a {
  color: #1a73e8; /* clean link blue */
  /*text-decoration: underline;*/
  font-weight: 500;
}

.contract-check a:hover,
.contract-check a:focus {
  color: #0b5bd3;
  text-decoration: underline;
}
.contract-check--mobile a {
  color: #1a73e8;
  font-weight: 600;
}
.signflow-mobile__status {
  margin-top: 10px;
}
.signflow-start-hidden {
  display: none !important;
}
/* =========================================
   MOBILE CONTRACT SIGNING – ULTRA COMPACT
   ========================================= */
@media (max-width: 640px) {

  /* Start signing buttons */
  .signflow-btn,
  .signflow-start {
    font-size: 12px !important;
    padding: 6px 10px !important;
    line-height: 1.2 !important;
    min-height: unset !important;
  }

  .signflow-btn i {
    font-size: 12px !important;
    margin-right: 4px !important;
  }

  /* Mobile status text under Start signing */
  .signflow-mobile__status {
    font-size: 11px !important;
    line-height: 1.3 !important;
    margin-top: 4px !important;
  }

  /* "By signing this agreement…" text */
  .contract-check span,
  .contract-check--mobile span {
    font-size: 10px !important;
    line-height: 1.35 !important;
  }

  /* Checkbox itself */
  .contract-check input,
  .contract-check--mobile input {
    transform: scale(0.85);
  }

  /* Acknowledge & Continue button */
  .contract-ack-btn {
    font-size: 12px !important;
    padding: 8px 12px !important;
    line-height: 1.2 !important;
  }

  /* Reduce padding of the fixed mobile CTA bar */
  .contract-mobile-cta__inner {
    padding: 8px 10px !important;
    gap: 6px !important;
  }

  /* Tighten spacing everywhere in the mobile CTA */
  .contract-mobile-cta form {
    margin-top: 6px !important;
  }

}

/* ==============================
   STAGE 5 – FUNDING / STRIPE MODAL (MOBILE-HARDENED)
============================== */

/* Lock background scroll (improves iOS behavior) */
.grc-modal-lock {
  overflow: hidden;
  /* iOS scroll trapping */
  position: fixed;
  width: 100%;
}

/* Backdrop: use dynamic viewport units + safe-area */
.grc-modal-backdrop {
  position: fixed;
  inset: 0;
  width: 100%;
  height: 100vh;   /* fallback */
  height: 100dvh;  /* modern mobile browsers */
  background: rgba(15, 23, 42, 0.55);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  display: none;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  padding-left: max(1.25rem, env(safe-area-inset-left));
  padding-right: max(1.25rem, env(safe-area-inset-right));
  padding-top: max(1.25rem, env(safe-area-inset-top));
  padding-bottom: max(1.25rem, env(safe-area-inset-bottom));
  z-index: 9999;

  /* Allow scrolling inside backdrop when content is tall */
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
}

.grc-modal-backdrop.grc-modal-open {
  display: flex;
}

/* Modal becomes a flex column so body can scroll and footer can stay reachable */
.grc-modal {
  width: 100%;
  max-width: 620px;
  border-radius: 22px;
  background: #ffffff;
  border: 1px solid rgba(148, 163, 184, 0.45);
  box-shadow: 0 30px 70px rgba(15, 23, 42, 0.28);
  overflow: hidden;

  display: flex;
  flex-direction: column;

  /* Prevent modal from exceeding viewport */
  max-height: calc(100dvh - 2.5rem);
  max-height: calc(100vh - 2.5rem); /* fallback */
}

/* Header stays at top */
.grc-modal-header {
  padding: 1.15rem 1.25rem;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  border-bottom: 1px solid #eef2f7;
  background: radial-gradient(circle at top left, rgba(0, 80, 179, 0.08), transparent 55%), #ffffff;
  flex: 0 0 auto;
}

/* Better tap target on mobile */
.grc-modal-close {
  border: none;
  background: #f3f4f6;
  border-radius: 12px;
  width: 40px;
  height: 40px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  touch-action: manipulation;
}

.grc-modal-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-bottom: 0.25rem;
}

.grc-modal-title {
  margin: 0;
  font-size: 1.2rem;
  color: #0b1020;
}

/* Body scrolls if needed (critical for mobile + Stripe flows) */
.grc-modal-body {
  padding: 1.15rem 1.25rem 0.75rem;
  flex: 1 1 auto;

  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
}

.grc-modal-subtitle {
  margin: 0 0 1rem;
  color: var(--text-muted);
  font-size: 0.92rem;
}

.grc-modal-alert {
  border-radius: 14px;
  padding: 0.75rem 0.9rem;
  font-size: 0.88rem;
  margin-bottom: 0.9rem;
  border: 1px solid transparent;
  word-break: break-word;
}

.grc-modal-alert--error {
  background: #fef2f2;
  border-color: #fecaca;
  color: #b91c1c;
}

.grc-modal-alert--success {
  background: #ecfdf5;
  border-color: #bbf7d0;
  color: #065f46;
}

.grc-stripe-box {
  border: 1px solid #dde3f0;
  background: #f9fafb;
  border-radius: 18px;
  padding: 0.9rem 0.9rem 1rem;
}

.grc-stripe-label {
  font-size: 0.82rem;
  color: #374151;
  margin-bottom: 0.5rem;
  font-weight: 600;
}

/* Stripe container: stable sizing + prevents weird overflow on small screens */
.grc-stripe-element {
  background: #ffffff;
  border-radius: 14px;
  padding: 0.7rem 0.75rem;
  border: 1px solid rgba(148, 163, 184, 0.65);
  overflow: hidden;
}

/* Make sure Stripe iframes never exceed width */
#stripeElementContainer {
  width: 100%;
  max-width: 100%;
  min-height: 52px; /* helps avoid “0 height” during mount on mobile */
}

#stripeElementContainer iframe,
#stripeElementContainer > div {
  max-width: 100% !important;
}

.grc-stripe-hint {
  margin-top: 0.55rem;
  font-size: 0.78rem;
  color: var(--text-muted);
}

.grc-terms-row {
  margin-top: 0.95rem;
  display: flex;
  gap: 0.55rem;
  align-items: flex-start;
  font-size: 0.86rem;
  color: var(--text-muted);
}

.grc-terms-row input {
  margin-top: 0.15rem;
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
}

/* Footer stays reachable; add safe-area padding for iPhone home indicator */
.grc-modal-footer {
  padding: 0.95rem 1.25rem 1.1rem;
  padding-bottom: max(1.1rem, env(safe-area-inset-bottom));
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.65rem;
  border-top: 1px solid #eef2f7;
  background: #ffffff;
  flex: 0 0 auto;
}

.grc-btn-spinner {
  width: 16px;
  height: 16px;
  border-radius: 999px;
  border: 2px solid rgba(255,255,255,0.55);
  border-top: 2px solid rgba(255,255,255,1);
  margin-left: 0.5rem;
  animation: grcSpin 0.7s linear infinite;
}

@keyframes grcSpin {
  to { transform: rotate(360deg); }
}

/* ==============================
   MOBILE TUNING
============================== */
@media (max-width: 640px) {
  .grc-modal-backdrop {
    /* Use less side padding so Stripe content has room */
    padding: 0.9rem;
    padding-left: max(0.9rem, env(safe-area-inset-left));
    padding-right: max(0.9rem, env(safe-area-inset-right));
    padding-top: max(0.9rem, env(safe-area-inset-top));
    padding-bottom: max(0.9rem, env(safe-area-inset-bottom));

    /* On small screens, align modal to bottom so it behaves like a sheet */
    align-items: flex-end;
    justify-content: center;
  }

  .grc-modal {
    border-radius: 18px;
    max-width: 100%;

    /* “Bottom sheet” feel + room for keyboard */
    max-height: calc(100dvh - 1.1rem);
    max-height: calc(100vh - 1.1rem);

    /* Avoid accidental horizontal scrolling */
    overflow-x: hidden;
  }

  .grc-modal-header {
    padding: 0.95rem 1rem;
  }

  .grc-modal-body {
    padding: 0.95rem 1rem 0.85rem;
  }

  .grc-modal-title {
    font-size: 1.05rem;
  }

  .grc-modal-subtitle {
    font-size: 0.9rem;
    line-height: 1.35;
  }

  /* Stack footer buttons full-width and keep them visible */
  .grc-modal-footer {
    flex-direction: column-reverse;
    align-items: stretch;
    gap: 0.55rem;
    padding: 0.85rem 1rem;
    padding-bottom: max(1rem, env(safe-area-inset-bottom));
  }

  .grc-modal-footer .btn {
    width: 100%;
  }

  /* Stripe box spacing tighter */
  .grc-stripe-box {
    padding: 0.8rem 0.8rem 0.9rem;
    border-radius: 16px;
  }

  .grc-stripe-element {
    padding: 0.65rem 0.65rem;
    border-radius: 12px;
  }
}
/* Funding modal – make Terms & Conditions link blue */
.grc-terms-row a {
  color: var(--brand-blue);
  text-decoration: underline;
  font-weight: 600;
}

.grc-terms-row a:hover {
  color: var(--brand-blue-light);
}
/* Spacing + divider between Stripe box and support text */
.grc-modal-support {
  margin-top: 1.25rem;          /* space away from bank account box */
  padding-top: 0.9rem;          /* space above the divider */
  border-top: 1px solid rgba(148, 163, 184, 0.35); /* subtle divider */
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.45;
}

/* Support link styling */
.grc-modal-support a {
  color: var(--brand-blue);
  font-weight: 600;
  text-decoration: underline;
}

.grc-modal-support a:hover {
  color: var(--brand-blue-light);
}