/* Layout: a lender's ledger — slab-serif brand voice over a calm sheet; red is the signature,
   deep teal carries action and data, charcoal carries structure. */
:root {
  --red: #c8141f;            /* logo red */
  --red-ink: #a50f19;
  --char: #3f4143;           /* logo charcoal */
  --teal: #0e5d64;           /* complementary third color */
  --teal-ink: #0a474d;
  --teal-wash: #e3efef;
  --sand: #f2ede4;           /* warm highlight for testimonials / callouts */
  --bg: #f7f8f7;
  --surface: #ffffff;
  --line: #dfe3e2;
  --fg: #1d2224;
  --muted: #5c6668;
  --ok: #1f7a4a; --ok-wash: #e2f2e8;
  --warn: #9a5b00; --warn-wash: #fbf0dc;
  --bad: #b3261e; --bad-wash: #fbe5e3;
  --mark-gray: #4d4d4d;
  --f-display: "Roboto Slab", Rockwell, Georgia, "Times New Roman", serif;
  --f-body: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --f-mono: "IBM Plex Mono", ui-monospace, Menlo, Consolas, monospace;
  --radius: 6px;
  --shadow: 0 1px 2px rgba(20,30,32,.06), 0 6px 24px rgba(20,30,32,.06);
  --wrap: 1160px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --red: #ef4b53; --red-ink: #ff7a80; --char: #c9cdce; --teal: #4fb3b9; --teal-ink: #8fd6da;
    --teal-wash: #15302f; --sand: #2a2620; --bg: #121617; --surface: #1a1f21; --line: #2d3537;
    --fg: #e8ecec; --muted: #9aa5a7; --ok: #6ad19a; --ok-wash: #16301f; --warn: #f0b45a; --warn-wash: #33270f;
    --bad: #ff8a80; --bad-wash: #3a1a18; --mark-gray: #b9bdbe; --shadow: 0 1px 2px rgba(0,0,0,.4); color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --red: #ef4b53; --red-ink: #ff7a80; --char: #c9cdce; --teal: #4fb3b9; --teal-ink: #8fd6da;
  --teal-wash: #15302f; --sand: #2a2620; --bg: #121617; --surface: #1a1f21; --line: #2d3537;
  --fg: #e8ecec; --muted: #9aa5a7; --ok: #6ad19a; --ok-wash: #16301f; --warn: #f0b45a; --warn-wash: #33270f;
  --bad: #ff8a80; --bad-wash: #3a1a18; --mark-gray: #b9bdbe; --shadow: 0 1px 2px rgba(0,0,0,.4); color-scheme: dark;
}

* { box-sizing: border-box; }
html, body { margin: 0; }
body { background: var(--bg); color: var(--fg); font: 16px/1.6 var(--f-body); -webkit-font-smoothing: antialiased; }
h1, h2, h3, h4 { font-family: var(--f-display); line-height: 1.15; margin: 0; text-wrap: balance; color: var(--fg); }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.5rem); font-weight: 700; letter-spacing: -.01em; }
h2 { font-size: clamp(1.55rem, 3vw, 2.2rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0; }
a { color: var(--teal); }
a:hover { color: var(--teal-ink); }
:focus-visible { outline: 3px solid color-mix(in srgb, var(--teal) 55%, transparent); outline-offset: 2px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
.eyebrow { font: 600 .75rem/1 var(--f-body); letter-spacing: .14em; text-transform: uppercase; color: var(--teal); }
.muted { color: var(--muted); }
.num, td.num, .tabular { font-variant-numeric: tabular-nums; }
.mono { font-family: var(--f-mono); font-size: .9em; }

/* ---------- Header ---------- */
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 30; background: var(--surface); }
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; background: var(--surface); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; gap: 24px; min-height: 72px; flex-wrap: wrap; padding-block: 8px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--fg); margin-right: auto; }
.brand svg { width: 40px; height: 40px; flex: none; }
.brand-word { font: 700 1.3rem/1 var(--f-display); color: var(--red); letter-spacing: .02em; text-transform: uppercase; }
.brand-word small { display: block; font: 500 .62rem/1 var(--f-body); color: var(--muted); letter-spacing: .28em; margin-top: 5px; }
.mark-red { fill: var(--red); } .mark-gray { fill: var(--mark-gray); }
.nav { display: flex; gap: 6px; align-items: center; flex-wrap: wrap; }
.nav a { text-decoration: none; color: var(--fg); font-weight: 600; font-size: .95rem; padding: 9px 14px; border-radius: var(--radius); }
.nav a:hover { background: var(--teal-wash); color: var(--teal-ink); }
.nav a.cta { background: var(--red); color: #fff; }
.nav a.cta:hover { background: var(--red-ink); color: #fff; }
.nav a.login { border: 1.5px solid var(--teal); color: var(--teal); }
.nav a[aria-current="page"]:not(.cta) { color: var(--teal-ink); background: var(--teal-wash); }

/* ---------- Buttons & forms ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font: 600 .95rem/1 var(--f-body); padding: 13px 20px; border-radius: var(--radius); border: 1.5px solid transparent; cursor: pointer; text-decoration: none; transition: background .15s, border-color .15s; }
.btn-red { background: var(--red); color: #fff; } .btn-red:hover { background: var(--red-ink); color: #fff; }
.btn-teal { background: var(--teal); color: #fff; } .btn-teal:hover { background: var(--teal-ink); color: #fff; }
.btn-line { background: transparent; color: var(--teal); border-color: var(--teal); } .btn-line:hover { background: var(--teal-wash); }
.btn-quiet { background: transparent; color: var(--muted); border-color: var(--line); } .btn-quiet:hover { color: var(--fg); border-color: var(--muted); }
.btn-sm { padding: 8px 12px; font-size: .85rem; }
.btn[disabled] { opacity: .5; cursor: not-allowed; }

.form { display: grid; gap: 22px; }
.fieldset { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; background: var(--surface); display: grid; gap: 16px; margin: 0; min-width: 0; }
.fieldset > legend { font: 700 1rem var(--f-display); padding: 0 8px; margin-left: -8px; color: var(--fg); }
.grid-2 { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 16px; }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 180px), 1fr)); gap: 16px; }
.field { display: grid; gap: 6px; min-width: 0; }
.field > label, .label { font-size: .85rem; font-weight: 600; color: var(--fg); }
.field .hint { font-size: .8rem; color: var(--muted); }
.field .err { font-size: .8rem; color: var(--bad); }
input[type=text], input[type=email], input[type=tel], input[type=password], input[type=number], input[type=date], select, textarea {
  width: 100%; font: 400 1rem var(--f-body); padding: 11px 12px; border: 1.5px solid var(--line); border-radius: var(--radius); background: var(--bg); color: var(--fg);
}
input:focus, select:focus, textarea:focus { border-color: var(--teal); outline: none; background: var(--surface); }
input[aria-invalid="true"], select[aria-invalid="true"] { border-color: var(--bad); }
textarea { min-height: 100px; resize: vertical; }
.choice { display: flex; gap: 10px; align-items: flex-start; font-size: .95rem; }
.choice input { margin-top: 5px; accent-color: var(--teal); }
.choices { display: grid; gap: 10px; }
.legal { font-size: .85rem; color: var(--muted); background: var(--bg); border: 1px dashed var(--line); padding: 14px; border-radius: var(--radius); line-height: 1.55; }
.form-actions { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
.notice { border-radius: var(--radius); padding: 14px 16px; font-size: .95rem; }
.notice.ok { background: var(--ok-wash); color: var(--ok); }
.notice.warn { background: var(--warn-wash); color: var(--warn); }
.notice.info { background: var(--teal-wash); color: var(--teal-ink); }
.notice.bad { background: var(--bad-wash); color: var(--bad); }

/* ---------- Home ---------- */
.hero { background: var(--surface); border-bottom: 1px solid var(--line); overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 48px; padding-block: 64px 72px; align-items: center; }
.hero h1 em { font-style: normal; color: var(--red); }
.hero .lede { font-size: 1.15rem; color: var(--muted); max-width: 56ch; margin-top: 18px; }
.hero .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.termsheet { background: var(--bg); border: 1px solid var(--line); border-top: 6px solid var(--teal); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); position: relative; }
.termsheet h3 { font-size: 1rem; text-transform: uppercase; letter-spacing: .08em; display: flex; justify-content: space-between; gap: 8px; }
.termsheet h3 span { font: 500 .75rem var(--f-mono); color: var(--muted); letter-spacing: 0; text-transform: none; }
.termsheet dl { margin: 16px 0 0; display: grid; grid-template-columns: auto 1fr; }
.termsheet dt, .termsheet dd { margin: 0; padding: 11px 0; border-bottom: 1px dotted var(--line); }
.termsheet dt { color: var(--muted); font-size: .9rem; padding-right: 16px; }
.termsheet dd { text-align: right; font-weight: 700; font-family: var(--f-display); }
.termsheet .stamp { position: absolute; right: -10px; bottom: -14px; transform: rotate(-8deg); border: 2px solid var(--red); color: var(--red); font: 700 .8rem var(--f-display); letter-spacing: .16em; padding: 6px 10px; background: var(--surface); border-radius: 3px; text-transform: uppercase; }

.section { padding-block: 72px; }
.section-head { display: grid; gap: 10px; max-width: 64ch; margin-bottom: 36px; }
.why { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 320px), 1fr)); gap: 0 48px; list-style: none; margin: 0; padding: 0; }
.why li { display: grid; grid-template-columns: 28px 1fr; gap: 14px; padding: 20px 0; border-top: 1px solid var(--line); }
.why li svg { width: 24px; height: 24px; margin-top: 3px; color: var(--red); }
.why b { display: block; font: 600 1.08rem var(--f-display); margin-bottom: 4px; }
.why span { color: var(--muted); }

.process { background: var(--teal); color: #fff; }
:root:not([data-theme="light"]) .process { color: #fff; }
.process h2, .process .eyebrow { color: #fff; }
.process .eyebrow { opacity: .8; }
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 24px; counter-reset: s; }
.steps li { counter-increment: s; border-top: 2px solid rgba(255,255,255,.5); padding-top: 16px; }
.steps li::before { content: "Step " counter(s); display: block; font: 600 .75rem var(--f-mono); letter-spacing: .08em; text-transform: uppercase; opacity: .8; margin-bottom: 8px; }
.steps b { font: 600 1.1rem var(--f-display); display: block; margin-bottom: 6px; }
.steps span { opacity: .88; font-size: .95rem; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .process { background: #0d3a3e; } }
:root[data-theme="dark"] .process { background: #0d3a3e; }

.quotes { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 20px; }
.quote { background: var(--sand); border-radius: var(--radius); padding: 24px; display: grid; gap: 14px; align-content: start; }
.quote blockquote { margin: 0; font: 400 1.05rem/1.55 var(--f-display); }
.quote blockquote::before { content: "\201C"; color: var(--red); font-size: 2.2rem; line-height: 0; vertical-align: -.45em; margin-right: 4px; }
.quote figcaption { font-size: .9rem; color: var(--muted); }
.quote.placeholder { border: 1.5px dashed color-mix(in srgb, var(--muted) 45%, transparent); }
.cta-band { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.cta-band .wrap { display: flex; gap: 24px; justify-content: space-between; align-items: center; flex-wrap: wrap; padding-block: 44px; }

/* ---------- Generic page ---------- */
.page { padding-block: 48px 72px; }
.page-head { display: grid; gap: 10px; margin-bottom: 32px; max-width: 70ch; }
.split { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 32px; align-items: start; }
.aside { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: grid; gap: 14px; position: sticky; top: calc(env(safe-area-inset-top, 0px) + 96px); }
.aside h3 { font-size: 1.05rem; }
.aside ul { margin: 0; padding-left: 18px; display: grid; gap: 6px; color: var(--muted); font-size: .95rem; }
.contact-lines { display: grid; gap: 10px; font-size: .95rem; }
.contact-lines div { display: grid; gap: 2px; }
.contact-lines span:first-child { font-size: .75rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 600; }

.auth-card { max-width: 440px; margin: 0 auto; background: var(--surface); border: 1px solid var(--line); border-top: 6px solid var(--teal); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); display: grid; gap: 20px; }
.auth-card.admin { border-top-color: var(--char); }

/* ---------- Portal ---------- */
.portal-bar { background: var(--surface); border-bottom: 1px solid var(--line); }
.portal-bar .wrap { display: flex; gap: 16px; align-items: flex-end; justify-content: space-between; flex-wrap: wrap; padding-block: 28px 0; }
.tabs { display: flex; gap: 2px; flex-wrap: wrap; width: 100%; margin-top: 18px; }
.tabs button { font: 600 .92rem var(--f-body); background: none; border: 0; border-bottom: 3px solid transparent; padding: 12px 14px; color: var(--muted); cursor: pointer; }
.tabs button:hover { color: var(--fg); }
.tabs button[aria-selected="true"] { color: var(--teal-ink); border-bottom-color: var(--red); }
.tabs .count { font: 700 .74rem var(--f-body); font-variant-numeric: tabular-nums; background: var(--teal-wash); color: var(--teal-ink); border-radius: 10px; padding: 1px 7px; margin-left: 4px; }
.kpis { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 16px; margin-bottom: 28px; }
.kpi { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; display: grid; gap: 4px; align-content: start; }
.kpi .k { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-weight: 600; }
.kpi .v { font: 700 1.7rem/1.2 var(--f-display); font-variant-numeric: tabular-nums; }
.kpi .s { font-size: .85rem; color: var(--muted); }

.table-wrap { overflow-x: auto; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); }
table { width: 100%; border-collapse: collapse; font-size: .92rem; }
th { text-align: left; font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 600; padding: 12px 14px; border-bottom: 1px solid var(--line); white-space: nowrap; background: var(--bg); }
td { padding: 13px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
tr:last-child td { border-bottom: 0; }
td.num, th.num { text-align: right; white-space: nowrap; }
tbody tr.clickable { cursor: pointer; }
tbody tr.clickable:hover td { background: var(--teal-wash); }
td .sub { display: block; font-size: .8rem; color: var(--muted); }
.pill { display: inline-block; font: 600 .72rem/1 var(--f-body); padding: 5px 8px; border-radius: 20px; white-space: nowrap; letter-spacing: .02em; }
.pill.ok { background: var(--ok-wash); color: var(--ok); }
.pill.warn { background: var(--warn-wash); color: var(--warn); }
.pill.bad { background: var(--bad-wash); color: var(--bad); }
.pill.info { background: var(--teal-wash); color: var(--teal-ink); }
.pill.quiet { background: var(--bg); color: var(--muted); border: 1px solid var(--line); }
.loan-no { font: 600 .85rem var(--f-mono); color: var(--red); }

.drawer-bg { position: fixed; inset: 0; background: rgba(10,20,22,.45); z-index: 40; }
.drawer { position: fixed; top: 0; right: 0; bottom: 0; width: min(640px, 100%); background: var(--surface); z-index: 41; overflow-y: auto; box-shadow: -10px 0 40px rgba(0,0,0,.2);
  padding: calc(env(safe-area-inset-top, 0px) + 24px) max(24px, env(safe-area-inset-right, 0px)) calc(env(safe-area-inset-bottom, 0px) + 24px) 24px; display: grid; gap: 20px; align-content: start; }
.drawer-head { display: flex; justify-content: space-between; gap: 12px; align-items: start; }
.close-x { background: none; border: 1px solid var(--line); border-radius: var(--radius); width: 36px; height: 36px; cursor: pointer; color: var(--fg); font-size: 1.2rem; flex: none; }
.facts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 20px; margin: 0; }
.facts div { padding: 10px 0; border-bottom: 1px dotted var(--line); min-width: 0; }
.facts dt { font-size: .75rem; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }
.facts dd { margin: 2px 0 0; font-weight: 600; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }
.doclist { list-style: none; margin: 0; padding: 0; border: 1px solid var(--line); border-radius: var(--radius); }
.doclist li { display: flex; justify-content: space-between; gap: 12px; align-items: center; padding: 12px 14px; border-bottom: 1px solid var(--line); flex-wrap: wrap; }
.doclist li:last-child { border-bottom: 0; }
.doclist .doc-name { display: flex; gap: 10px; align-items: center; min-width: 0; overflow-wrap: anywhere; }
.doclist svg { width: 20px; height: 20px; color: var(--red); flex: none; }
.btn-row { display: flex; gap: 10px; flex-wrap: wrap; }
.toolbar { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; margin-bottom: 16px; }
.toolbar input, .toolbar select { width: auto; min-width: 0; flex: 1 1 200px; }
.demo-banner { background: var(--sand); border-bottom: 1px solid var(--line); font-size: .85rem; }
.demo-banner .wrap { padding-block: 8px; display: flex; gap: 12px; flex-wrap: wrap; align-items: center; justify-content: space-between; }
.empty { padding: 36px 20px; text-align: center; color: var(--muted); }
.toast { position: fixed; left: 50%; transform: translateX(-50%); bottom: calc(env(safe-area-inset-bottom, 0px) + 24px); background: var(--fg); color: var(--bg); padding: 12px 18px; border-radius: var(--radius); z-index: 60; font-weight: 600; max-width: calc(100% - 32px); box-shadow: var(--shadow); }
.bar { height: 8px; border-radius: 4px; background: var(--line); overflow: hidden; }
.bar > i { display: block; height: 100%; background: var(--teal); }

/* ---------- Footer ---------- */
.site-footer { background: var(--char); color: #e9ecec; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .site-footer { background: #0b0e0f; } }
:root[data-theme="dark"] .site-footer { background: #0b0e0f; }
.site-footer .wrap { padding-block: 44px 28px; display: grid; gap: 28px; }
.foot-top { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.site-footer .brand-word { color: #fff; }
.site-footer .brand-word small { color: #b8bfc0; }
.site-footer .mark-gray { fill: #b9bdbe; } .site-footer .mark-red { fill: #ef4b53; }
.foot-links { display: flex; gap: 32px; flex-wrap: wrap; font-size: .92rem; }
.foot-links div { display: grid; gap: 6px; }
.foot-links a { color: #e9ecec; text-decoration: none; }
.foot-links a:hover { text-decoration: underline; color: #fff; }
.foot-links b { font-size: .72rem; text-transform: uppercase; letter-spacing: .12em; color: #b8bfc0; }
.fine { border-top: 1px solid rgba(255,255,255,.15); padding-top: 18px; font-size: .74rem; color: #b8bfc0; line-height: 1.6; display: grid; gap: 8px; }
.fine a { color: #b8bfc0; }

@media (max-width: 860px) {
  .hero .wrap, .split { grid-template-columns: 1fr; }
  .hero .wrap { padding-block: 40px 52px; gap: 36px; }
  .aside { position: static; }
  .site-header .wrap { gap: 8px; }
  .nav { width: 100%; }
  .nav a { padding: 8px 10px; font-size: .88rem; }
  .facts { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; animation: none !important; } }
.pay-choices { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); gap: 14px; margin-bottom: 24px; }
.pay-choice { display: flex; gap: 12px; align-items: flex-start; background: var(--surface); border: 1.5px solid var(--line); border-radius: var(--radius); padding: 16px 18px; cursor: pointer; }
.pay-choice:has(input:checked) { border-color: var(--teal); box-shadow: inset 0 0 0 1px var(--teal); background: var(--teal-wash); }
.pay-choice input { margin-top: 5px; accent-color: var(--teal); }
.pay-choice b { font-family: var(--f-display); margin-right: 8px; }
.header-phone { display: grid; text-align: right; text-decoration: none; color: var(--fg); line-height: 1.15; }
.header-phone b { font: 700 1rem var(--f-display); color: var(--red); letter-spacing: .02em; }
.header-phone span { font-size: .78rem; color: var(--muted); font-variant-numeric: tabular-nums; }
.header-phone:hover b { color: var(--red-ink); }
a.phone { font-weight: 700; color: var(--red); text-decoration: none; }
@media (max-width: 860px) { .header-phone { text-align: left; order: 3; } }

.th-sort { all: unset; cursor: pointer; font: inherit; color: inherit; letter-spacing: inherit; text-transform: inherit; white-space: nowrap; }
.th-sort:hover { color: var(--fg); }
.th-sort:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; border-radius: 3px; }
#fAct, #fBor, #fProg, #fRate { flex: 0 1 auto; }
.wrap.wrap-wide { max-width: 1760px; }
#adminBody .toolbar input[type=text] { flex: 1 1 320px; }