/* NEXA Lending website (build 104). Professional and compact: Inter at normal width, a measured type scale,
   tighter sections, cards for loan options, and one cobalt color for actions and the loan tracker (green only for
   steps that are done). */
:root {
  --ink: #17212E; --ink-2: #445163; --ink-3: #66727F;
  --paper: #FFFFFF; --fog: #F3F5F8; --fog-2: #E6EAF0; --line: #D8DEE6;
  --route: #2A4FC9; --route-deep: #1E3C9E; --route-tint: #EAF0FD;
  --done: #1E7F5C; --done-tint: #E2F2EA;
  --flag: #8A5300; --flag-tint: #FFF1D9;
  --bad: #B42318; --bad-tint: #FCEBEA;
  --r-s: 6px; --r-m: 10px; --r-l: 14px;
  --shadow: 0 1px 2px rgba(23,33,46,.06), 0 4px 16px rgba(23,33,46,.06);
  --wrap: 1180px; --gutter: 24px;
  --font: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 84px; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 1rem/1.6 var(--font); font-optical-sizing: auto; -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
@media (min-width: 900px) { body { font-size: 1.0625rem; } }
img { max-width: 100%; height: auto; display: block; }
svg { flex: none; }
a { color: var(--route-deep); text-underline-offset: .18em; text-decoration-thickness: 1px; }
a:hover { color: var(--route); }
:focus-visible { outline: 3px solid var(--route); outline-offset: 2px; border-radius: 4px; }
[tabindex="-1"]:focus { outline: none; }
h1, h2, h3 { font-weight: 700; letter-spacing: -.015em; margin: 0 0 .5em; text-wrap: balance; color: var(--ink); }
h1 { font-size: clamp(2.05rem, 2.2vw + 1.2rem, 3.1rem); line-height: 1.1; letter-spacing: -.022em; }
h2 { font-size: clamp(1.45rem, .9vw + 1.1rem, 2rem); line-height: 1.2; }
h3 { font-size: 1.1rem; line-height: 1.3; font-weight: 650; letter-spacing: -.01em; }
p { margin: 0 0 1em; max-width: 70ch; }
.lede { font-size: 1.125rem; line-height: 1.55; color: var(--ink-2); max-width: 38em; }
.muted { color: var(--ink-3); }
.fine { font-size: .82rem; line-height: 1.5; color: var(--ink-3); max-width: 100ch; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.wrap.narrow > * { max-width: 780px; }
@media (max-width: 600px) { :root { --gutter: 16px; } }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: var(--r-s); z-index: 20; }
.skip:focus { left: 8px; }
.preview-bar { background: var(--flag-tint); color: var(--flag); font-size: .85rem; text-align: center; padding: 7px 16px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.ico { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; min-height: 44px; padding: 0 20px; border-radius: var(--r-s); border: 1px solid transparent; font: 600 .95rem/1 var(--font); text-decoration: none; cursor: pointer; white-space: nowrap; transition: background-color .15s, color .15s, border-color .15s; }
.btn-lg { min-height: 50px; padding: 0 24px; font-size: 1rem; }
.btn-primary { background: var(--route); color: #fff; }
.btn-primary:hover { background: var(--route-deep); color: #fff; }
.btn-light { background: #fff; color: var(--ink); }
.btn-light:hover { background: var(--fog-2); color: var(--ink); }
.btn-ghost { background: #fff; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--ink-3); color: var(--ink); }
.btn[disabled], .btn[aria-busy="true"] { opacity: .6; cursor: progress; }
.btn .ico { width: 18px; height: 18px; }
.linkish { background: none; border: 0; padding: 0; font: inherit; color: var(--route-deep); text-decoration: underline; text-underline-offset: .18em; cursor: pointer; }
.arrow-link { font-weight: 600; text-decoration: none; }
.arrow-link:hover { text-decoration: underline; }

/* header */
.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.97); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--fog-2); }
.bar { display: flex; align-items: center; gap: 28px; min-height: 70px; }
.brand img { height: 42px; width: auto; }
.nav { display: flex; gap: 26px; margin-left: auto; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .95rem; padding: 6px 0; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { border-bottom-color: var(--route); color: var(--ink); }
.btn-head { min-height: 40px; padding: 0 16px; font-size: .92rem; }
.mobile-menu { display: none; position: relative; }
.mobile-menu summary { list-style: none; cursor: pointer; width: 44px; height: 44px; display: grid; place-content: center; gap: 5px; border-radius: var(--r-s); }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu summary span { display: block; width: 22px; height: 2px; background: var(--ink); border-radius: 2px; }
.mobile-menu nav { position: absolute; right: 0; top: 52px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-m); box-shadow: 0 12px 32px rgba(23,33,46,.14); padding: 8px; min-width: 240px; display: grid; }
.mobile-menu nav a { padding: 12px 14px; border-radius: var(--r-s); color: var(--ink); text-decoration: none; font-weight: 500; }
.mobile-menu nav a:hover { background: var(--fog); }
@media (max-width: 860px) { .nav, .btn-head { display: none; } .mobile-menu { display: block; margin-left: auto; } .bar { min-height: 62px; } .brand img { height: 38px; } }

/* sections */
.band { padding: clamp(44px, 5vw, 76px) 0; }
.band.tint { background: var(--fog); }
.section-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 8px 32px; margin-bottom: 26px; }
.section-head h2 { margin: 0; }
.section-head p { margin: 0; color: var(--ink-2); max-width: 46ch; }
.page-head { padding: clamp(32px, 4vw, 52px) 0 4px; }
.page-head h1 { font-size: clamp(1.9rem, 1.6vw + 1.2rem, 2.6rem); }
.page-head + .band { padding-top: 28px; }

/* hero */
.hero { background: radial-gradient(700px 460px at 86% 42%, rgba(42,79,201,.10), transparent 70%), linear-gradient(180deg, #F2F5FA 0%, #FFFFFF 100%); border-bottom: 1px solid var(--fog-2); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) 360px; gap: clamp(28px, 4vw, 64px); align-items: center; padding-top: clamp(36px, 4.5vw, 60px); padding-bottom: clamp(36px, 4.5vw, 60px); }
.hero h1 { margin-bottom: .35em; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 0; }
.hero-points { list-style: none; margin: 18px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 22px; color: var(--ink-2); font-size: .92rem; }
.hero-points li { display: inline-flex; align-items: center; gap: 7px; }
.hero-points .ico { width: 18px; height: 18px; color: var(--done); stroke-width: 2.4; }
.goal-panel { margin-top: 32px; max-width: 660px; }
.goal-title { font-weight: 600; font-size: .9rem; color: var(--ink-2); margin: 0 0 10px; }
.goal-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; }
.goal-tile { display: flex; align-items: center; gap: 11px; min-height: 58px; padding: 10px 14px; background: #fff; border: 1px solid var(--fog-2); border-radius: var(--r-m); text-decoration: none; color: var(--ink); font-weight: 600; font-size: .93rem; line-height: 1.25; box-shadow: 0 1px 2px rgba(23,33,46,.05); transition: border-color .15s, box-shadow .15s; }
.goal-tile .ico { width: 34px; height: 34px; padding: 7px; border-radius: 8px; background: var(--route-tint); color: var(--route); stroke-width: 1.9; }
.goal-tile:hover { border-color: var(--route); box-shadow: 0 6px 18px rgba(42,79,201,.12); color: var(--ink); }
@media (max-width: 600px) { .goal-grid { grid-template-columns: 1fr 1fr; } .goal-tile { min-height: 54px; font-size: .9rem; } .hero-actions .btn { flex: 1 1 100%; } }
.lo-card { background: #fff; border: 1px solid var(--fog-2); border-radius: var(--r-l); box-shadow: var(--shadow); padding: 26px 22px 20px; text-align: center; }
.lo-photo { width: 210px; height: 210px; aspect-ratio: 1 / 1; border-radius: var(--r-l); object-fit: cover; margin: 0 auto 16px; background: var(--fog-2); border: 1px solid var(--fog-2); }
.lo-info { display: grid; gap: 2px; }
.lo-info b { font-size: 1.1rem; }
.lo-info span { color: var(--ink-2); font-size: .9rem; }
.lo-actions { display: grid; gap: 12px; margin-top: 14px; text-align: left; }
.lo-actions .btn { width: 100%; }
.lo-actions .song { margin-top: 0; }
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; }
  .lo-card { display: grid; grid-template-columns: 112px minmax(0, 1fr); gap: 0 18px; align-items: center; text-align: left; max-width: 560px; padding: 18px; }
  .lo-photo { width: 112px; height: 112px; margin: 0; border-radius: var(--r-m); }
  .lo-actions { grid-column: 1 / -1; }
}
.more-calcs { margin: 14px 0 0; }
.calc-disclaimer { margin: 14px 0 0; }

/* the theme song */
.song { display: grid; grid-template-columns: 38px minmax(0, 1fr); gap: 2px 10px; align-items: center; margin-top: 12px; padding: 10px 12px; border-radius: var(--r-m); background: var(--fog); }
.song-btn { grid-row: span 2; width: 38px; height: 38px; border-radius: 50%; border: 0; background: var(--ink); color: #fff; display: grid; place-items: center; cursor: pointer; }
.song-btn:hover { background: var(--route); }
.song-btn svg { width: 16px; height: 16px; fill: currentColor; }
.song-btn .pause { display: none; }
.song-btn[aria-pressed="true"] .play { display: none; }
.song-btn[aria-pressed="true"] .pause { display: block; }
.song-title { font-size: .88rem; font-weight: 700; color: var(--ink); line-height: 1.2; letter-spacing: .03em; }
.song-seek { grid-column: 2; width: 100%; min-height: 0; height: 4px; padding: 0; margin: 4px 0 2px; border: 0; border-radius: 4px; background: var(--fog-2); accent-color: var(--route); cursor: pointer; }
.song-seek:focus { box-shadow: none; }

/* the commercial */
.video-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: clamp(24px, 4vw, 56px); align-items: center; }
.video-frame { position: relative; border-radius: var(--r-l); overflow: hidden; background: #0b0f14; aspect-ratio: 16 / 9; box-shadow: var(--shadow); }
.video-frame video { display: block; width: 100%; height: 100%; object-fit: cover; }
.video-play { position: absolute; inset: 0; margin: auto; width: 78px; height: 78px; border-radius: 50%; border: 0; background: rgba(255,255,255,.94); color: var(--ink); display: grid; place-items: center; cursor: pointer; box-shadow: 0 8px 28px rgba(0,0,0,.28); transition: transform .15s, background-color .15s; }
.video-play svg { margin-left: 4px; }
.video-play:hover { background: #fff; transform: scale(1.05); }
.video-frame.playing .video-play { display: none; }
.video-copy h2 { margin-bottom: .4em; }
.video-copy p { color: var(--ink-2); }
@media (max-width: 900px) { .video-grid { grid-template-columns: 1fr; } }

/* trust bar */
.trust { border-bottom: 1px solid var(--fog-2); background: #fff; }
.trust-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.trust-item { display: flex; gap: 12px; align-items: flex-start; padding: 20px 18px; border-left: 1px solid var(--fog-2); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-item .ico, .trust-item .eho { width: 26px; height: 26px; color: var(--route); margin-top: 1px; }
.trust-item b { display: block; font-size: .95rem; }
.trust-item span { display: block; font-size: .85rem; color: var(--ink-3); line-height: 1.4; }
@media (max-width: 900px) { .trust-grid { grid-template-columns: 1fr 1fr; } .trust-item { border-left: 0; padding: 14px 0; } .trust-item:nth-child(n+3) { border-top: 1px solid var(--fog-2); } }
@media (max-width: 520px) { .trust-grid { grid-template-columns: 1fr; } .trust-item + .trust-item { border-top: 1px solid var(--fog-2); } }

/* loan option cards */
.cards3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.opt { display: flex; flex-direction: column; gap: 6px; padding: 24px; border: 1px solid var(--fog-2); border-radius: var(--r-l); background: #fff; box-shadow: var(--shadow); }
.opt .ico { width: 30px; height: 30px; color: var(--route); margin-bottom: 8px; }
.opt h3 { margin: 0; }
.opt p { color: var(--ink-2); margin: 0 0 12px; font-size: .97rem; }
.opt .arrow-link { margin-top: auto; }
@media (max-width: 900px) { .cards3 { grid-template-columns: 1fr; } }

/* the route: the same tracker the portal shows */
.route { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); }
.route li { position: relative; padding: 34px 16px 0 0; display: grid; gap: 4px; align-content: start; }
.route li::before { content: ""; position: absolute; left: 10px; width: 100%; top: 9px; height: 3px; background: var(--route); }
.route li:last-child::before { display: none; }
.route .stop { position: absolute; top: 0; left: 0; z-index: 1; width: 21px; height: 21px; border-radius: 50%; background: var(--fog); border: 3px solid var(--route); }
.route li:last-child .stop { background: var(--done); border-color: var(--done); }
.route b { font-size: .98rem; }
.route li > span:last-child { color: var(--ink-2); font-size: .9rem; line-height: 1.45; }
@media (max-width: 860px) {
  .route { grid-template-columns: 1fr; }
  .route li { padding: 0 0 20px 40px; }
  .route li::before { left: 9px; top: 10px; width: 3px; height: 100%; }
}

/* about + numbers */
.about-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 64px); align-items: start; }
.checks { list-style: none; margin: 18px 0 24px; padding: 0; display: grid; gap: 10px; }
.checks li { display: flex; gap: 10px; align-items: flex-start; }
.checks .ico { width: 20px; height: 20px; color: var(--done); margin-top: 3px; }
.numbers-card { border: 1px solid var(--fog-2); border-radius: var(--r-l); background: var(--fog); padding: 24px; }
.numbers-card h3 { font-size: 1.2rem; }
.numbers-card .rate-note { font-size: .9rem; color: var(--ink-2); margin-bottom: 16px; }
@media (max-width: 900px) { .about-grid { grid-template-columns: 1fr; } }

/* forms */
label { display: grid; gap: 6px; font-weight: 600; font-size: .9rem; color: var(--ink); }
label small { font-weight: 400; color: var(--ink-3); font-size: .8rem; }
input, select, textarea { width: 100%; min-height: 44px; padding: 9px 12px; font: 400 .98rem/1.3 var(--font); color: var(--ink); background: #fff; border: 1px solid var(--line); border-radius: var(--r-s); }
textarea { min-height: 90px; resize: vertical; }
input:hover, select:hover, textarea:hover { border-color: #AEB8C4; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--route); box-shadow: 0 0 0 3px var(--route-tint); }
input[aria-invalid="true"], select[aria-invalid="true"] { border-color: var(--bad); box-shadow: 0 0 0 3px var(--bad-tint); }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
.grid3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px 16px; }
@media (max-width: 860px) { .grid3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .row2, .grid3 { grid-template-columns: 1fr; } }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.consents { display: grid; gap: 4px; margin: 4px 0 12px; }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; font-weight: 400; font-size: .78rem; line-height: 1.45; color: var(--ink-2); margin: 8px 0 4px; }
.consent input { width: 18px; height: 18px; min-height: 0; margin: 1px 0 0; accent-color: var(--route); }
.consent-agree { font-size: .78rem; color: var(--ink-2); margin: 6px 0 0; }
.form-msg { min-height: 1.4em; margin: 8px 0 0; font-size: .92rem; }
.form-msg.ok { color: var(--done); font-weight: 600; }
.form-msg.err, .err { color: var(--bad); }
.callback { display: grid; gap: 12px; }
.callback h2, .callback .muted { margin-bottom: 0; }

/* calculators */
.calc { background: #fff; border: 1px solid var(--fog-2); border-radius: var(--r-l); padding: clamp(18px, 2.5vw, 28px); box-shadow: var(--shadow); }
.numbers-card .calc { box-shadow: none; padding: 18px; }
.calc-row { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)) minmax(230px, 1.25fr); gap: 16px; align-items: end; }
.calc-row .calc-out { margin: 0; padding: 4px 0 4px 22px; border-top: 0; border-left: 1px solid var(--fog-2); align-self: stretch; display: flex; flex-direction: column; justify-content: center; }
.calc-row .calc-out .what { margin: 4px 0 0; font-size: .9rem; }
@media (max-width: 980px) { .calc-row { grid-template-columns: 1fr 1fr; } .calc-row .calc-out { grid-column: 1 / -1; border-left: 0; border-top: 1px solid var(--fog-2); padding: 14px 0 0; } }
@media (max-width: 420px) { .calc-row { grid-template-columns: 1fr; } }
/* the home page affordability calculator: six boxes in two rows of three, the answer on the right */
@media (min-width: 981px) {
  .calc-row-6 { grid-template-columns: repeat(3, minmax(0, 1fr)) minmax(230px, 1.25fr); }
  .calc-row-6 .calc-out { grid-column: 4; grid-row: 1 / span 2; }
}
.numbers .tabs { margin-bottom: 14px; }
.calc-note { margin: 12px 0 0; }
.calc-out .figure.empty { color: #B9C3CF; }
.calc.mini .row2:last-of-type { margin-bottom: 0; }
.calc-out { display: block; margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--fog-2); }
.calc-out .figure { font-size: clamp(1.9rem, 2vw + 1rem, 2.6rem); font-weight: 700; letter-spacing: -.02em; line-height: 1.05; color: var(--ink); }
.calc-out .figure small { font-size: .42em; font-weight: 500; letter-spacing: 0; color: var(--ink-2); margin-left: .3em; }
.calc-out .what { color: var(--ink-2); margin: 6px 0 12px; font-size: .95rem; }
.calc-out dl { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 10px 18px; margin: 0; }
.calc-out dt { font-size: .8rem; color: var(--ink-3); }
.calc-out dd { margin: 0; font-weight: 600; }
.calc-out .note { margin: 12px 0 0; font-size: .9rem; color: var(--ink-2); }
.tabs { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 18px; border-bottom: 1px solid var(--fog-2); }
.tabs button { min-height: 42px; padding: 0 16px; border: 0; border-bottom: 2px solid transparent; margin-bottom: -1px; background: none; font: 600 .95rem/1 var(--font); color: var(--ink-2); cursor: pointer; }
.tabs button[aria-selected="true"] { color: var(--route-deep); border-bottom-color: var(--route); }
.calc-cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; margin-top: 22px; padding: 18px 20px; border-radius: var(--r-l); background: var(--fog); }
.calc-cta p { margin: 0; font-weight: 600; }

/* compare table */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--fog-2); border-radius: var(--r-l); background: #fff; }
table { border-collapse: collapse; width: 100%; min-width: 640px; font-size: .94rem; }
th, td { text-align: left; padding: 13px 16px; border-bottom: 1px solid var(--fog-2); vertical-align: top; }
thead th { background: var(--fog); font-size: .8rem; font-weight: 600; color: var(--ink-2); }
tbody th { font-weight: 650; }
tbody tr:last-child > * { border-bottom: 0; }
.compare .fine { margin-top: 10px; }


/* business band */
.business { background: var(--ink); color: #fff; padding: clamp(32px, 4vw, 48px) 0; }
.business-grid { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 18px 40px; align-items: center; }
.business p { color: #C5CED8; margin: 0; }
.business h2 { color: #fff; margin-bottom: .3em; }
@media (max-width: 760px) { .business-grid { grid-template-columns: 1fr; } }

/* reviews */
.review-list { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; }
.review { margin: 0; padding: 20px; border: 1px solid var(--fog-2); border-radius: var(--r-l); box-shadow: var(--shadow); background: #fff; }
.review .stars { color: #C98A0B; letter-spacing: .1em; font-size: .95rem; }
.review blockquote { margin: 8px 0 10px; line-height: 1.55; }
.review figcaption { color: var(--ink-3); font-size: .88rem; font-weight: 600; }

/* faq */
.faq-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(24px, 5vw, 64px); align-items: start; }
.faq-intro p { color: var(--ink-2); }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 16px 36px 16px 0; position: relative; font-weight: 600; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 6px; top: 50%; width: 9px; height: 9px; border-right: 2px solid var(--ink-2); border-bottom: 2px solid var(--ink-2); transform: translateY(-70%) rotate(45deg); transition: transform .15s; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(225deg); }
.faq details p { color: var(--ink-2); padding: 0 0 16px; margin: 0; }
@media (max-width: 860px) { .faq-grid { grid-template-columns: 1fr; } }

/* prose (policy pages) */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.25rem; margin: 1.8em 0 .5em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.05rem; margin: 1.4em 0 .4em; }
.prose ul { padding-left: 1.2em; margin: 0 0 1em; }
.prose li { margin: .3em 0; }
.prose .updated { font-size: .88rem; color: var(--ink-3); margin-bottom: 2em; }

/* footer */
.site-footer { background: var(--ink); color: #CBD3DC; padding: 52px 0 26px; font-size: .92rem; }
.site-footer a { color: #fff; }
.foot { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, .6fr) minmax(0, 1.25fr); gap: 36px 48px; padding-bottom: 36px; border-bottom: 1px solid rgba(255,255,255,.12); }
.foot-about img { height: 42px; width: auto; margin-bottom: 14px; }
.foot-tag { font-weight: 600; color: #fff; }
.foot-links { display: grid; align-content: start; gap: 9px; }
.foot-links a { text-decoration: none; }
.foot-links a:hover { text-decoration: underline; }
.foot-form { background: #fff; color: var(--ink); border-radius: var(--r-l); padding: 22px; }
.foot-form h2 { font-size: 1.3rem; margin-bottom: .2em; }
.foot-form a { color: var(--route-deep); }
.foot-legal { padding-top: 22px; }
.legal-lines { list-style: none; margin: 0 0 14px; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 24px; align-items: center; color: #fff; font-size: .86rem; }
.eho-line { display: inline-flex; align-items: center; gap: 8px; }
.eho { width: 22px; height: 22px; }
.site-footer .fine { color: #A6B1BD; }
@media (max-width: 980px) { .foot { grid-template-columns: 1fr 1fr; } .foot-form { grid-column: 1 / -1; } }
@media (max-width: 560px) { .foot { grid-template-columns: 1fr; } }

/* ---------- application wizard ---------- */
.wizard-page, .portal-page, .secure-page { background: var(--fog); }
.wizard-wrap { padding: clamp(20px, 3vw, 40px) 0 64px; min-height: 70vh; }
.wizard { max-width: 700px; margin: 0 auto; background: #fff; border: 1px solid var(--fog-2); border-radius: var(--r-l); padding: clamp(20px, 3.5vw, 36px); box-shadow: var(--shadow); }
.wz-progress { display: grid; gap: 8px; margin-bottom: 24px; }
.wz-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 6px; }
.wz-steps li { height: 5px; border-radius: 5px; background: var(--fog-2); }
.wz-steps li.done { background: var(--route); }
.wz-steps li.current { background: linear-gradient(90deg, var(--route) 50%, var(--fog-2) 50%); }
.wz-where { display: flex; justify-content: space-between; gap: 12px; font-size: .85rem; color: var(--ink-3); }
.wz-where b { color: var(--ink); font-weight: 600; }
.wizard h1 { font-size: clamp(1.45rem, 1.2vw + 1.05rem, 1.9rem); line-height: 1.2; margin-bottom: .35em; }
.wizard .help { color: var(--ink-2); margin: -.15em 0 1.2em; }
.wz-fields { display: grid; gap: 16px; margin-bottom: 6px; }
.wz-choices { display: grid; gap: 8px; }
.wz-choices.cols2 { grid-template-columns: 1fr 1fr; }
@media (max-width: 520px) { .wz-choices.cols2 { grid-template-columns: 1fr; } }
.choice { position: relative; display: flex; align-items: center; gap: 12px; min-height: 52px; padding: 10px 16px; border: 1px solid var(--line); border-radius: var(--r-m); background: #fff; cursor: pointer; font-weight: 500; font-size: .98rem; transition: border-color .12s, background-color .12s; }
.choice:hover { border-color: var(--ink-3); }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice .mark { flex: none; width: 20px; height: 20px; border-radius: 50%; border: 2px solid var(--line); background: #fff; }
.choice.multi .mark { border-radius: 5px; }
.choice:has(input:checked) { border-color: var(--route); background: var(--route-tint); }
.choice:has(input:checked) .mark { border: 6px solid var(--route); }
.choice.multi:has(input:checked) .mark { border: 0; background: var(--route) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 14px no-repeat; }
.choice:has(input:focus-visible) { outline: 3px solid var(--route); outline-offset: 2px; }
.choice small { display: block; font-weight: 400; color: var(--ink-3); font-size: .84rem; }
.wz-group { border: 0; padding: 0; margin: 0; display: grid; gap: 8px; }
.wz-group legend { font-weight: 600; font-size: .92rem; padding: 0; margin-bottom: 8px; }
.wz-money { position: relative; }
.wz-money input { padding-left: 28px; }
.wz-money::before { content: "$"; position: absolute; left: 12px; bottom: 12px; color: var(--ink-3); font-weight: 500; pointer-events: none; }
.wz-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; align-items: center; margin-top: 24px; padding-top: 18px; border-top: 1px solid var(--fog-2); }
.wz-actions .btn-primary { min-width: 150px; }
.wz-saved { font-size: .82rem; color: var(--ink-3); }
.wz-error { color: var(--bad); font-weight: 600; margin: 12px 0 0; }
.wz-note { background: var(--fog); border-radius: var(--r-m); padding: 12px 14px; font-size: .92rem; color: var(--ink-2); }
.wz-review { display: grid; gap: 14px; }
.wz-review section { border: 1px solid var(--fog-2); border-radius: var(--r-m); padding: 14px 16px; }
.wz-review header { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 6px; }
.wz-review h2 { font-size: 1rem; margin: 0; }
.wz-review dl { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr); gap: 5px 16px; margin: 0; font-size: .92rem; }
.wz-review dt { color: var(--ink-3); }
.wz-review dd { margin: 0; font-weight: 600; overflow-wrap: anywhere; }
.wz-done .check { width: 56px; height: 56px; border-radius: 50%; background: var(--done); display: grid; place-items: center; margin-bottom: 16px; }
.wz-done .check svg { width: 30px; height: 30px; }

/* ---------- client portal ---------- */
.portal-wrap { padding: clamp(20px, 3vw, 40px) 0 64px; min-height: 70vh; }
.portal .loading { color: var(--ink-3); }
.panel { background: #fff; border: 1px solid var(--fog-2); border-radius: var(--r-l); padding: clamp(18px, 2.5vw, 26px); box-shadow: var(--shadow); }
.signin { max-width: 480px; margin: 0 auto; }
.signin h1 { font-size: clamp(1.6rem, 1.4vw + 1.1rem, 2.1rem); }
.signin .lede { font-size: 1rem; }
.signin form { display: grid; gap: 14px; }
.code-input { font-size: 1.5rem; letter-spacing: .4em; text-align: center; font-weight: 700; }
.portal-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 14px; margin-bottom: 20px; }
.portal-head h1 { font-size: clamp(1.6rem, 1.4vw + 1.1rem, 2.2rem); margin: 0; }
.portal-grid { display: grid; grid-template-columns: minmax(0, 1fr) 310px; gap: 20px; align-items: start; }
@media (max-width: 900px) { .portal-grid { grid-template-columns: 1fr; } }
.app-list { display: grid; gap: 12px; }
.app-card { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 14px; align-items: center; padding: 18px 20px; background: #fff; border-radius: var(--r-l); border: 1px solid var(--fog-2); text-decoration: none; color: var(--ink); box-shadow: var(--shadow); }
.app-card:hover { border-color: var(--route); color: var(--ink); }
.app-card h2 { font-size: 1.05rem; margin: 0; }
.app-card p { margin: 0; color: var(--ink-2); font-size: .92rem; }
.status-pill { display: inline-flex; align-items: center; gap: 6px; padding: 4px 10px; border-radius: 999px; font-size: .8rem; font-weight: 600; background: var(--route-tint); color: var(--route-deep); white-space: nowrap; }
.status-pill.started { background: var(--flag-tint); color: var(--flag); }
.status-pill.good { background: var(--done-tint); color: var(--done); }
.status-pill.bad { background: var(--bad-tint); color: var(--bad); }
.status-pill.muted { background: var(--fog-2); color: var(--ink-2); }
.lo-mini { display: grid; grid-template-columns: 56px 1fr; gap: 12px; align-items: center; }
.lo-mini img { width: 56px; height: 56px; border-radius: 8px; object-fit: cover; }
.lo-mini p { margin: 0; font-size: .92rem; color: var(--ink-2); }
.lo-mini b { color: var(--ink); }
.side { display: grid; gap: 14px; }
.side .panel h2 { font-size: 1rem; }
.tracker { list-style: none; margin: 6px 0 0; padding: 0; display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); position: relative; }
.tracker li { position: relative; padding-top: 30px; font-size: .84rem; font-weight: 600; color: var(--ink-3); line-height: 1.25; padding-right: 6px; }
.tracker li::before { content: ""; position: absolute; top: 8px; left: 0; right: 0; height: 3px; background: var(--fog-2); }
.tracker li:last-child::before { right: auto; width: 20px; }
.tracker li .stop { position: absolute; top: 0; left: 0; width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 3px solid var(--fog-2); z-index: 1; }
.tracker li.done { color: var(--ink); }
.tracker li.done::before { background: var(--route); }
.tracker li.done .stop { background: var(--route); border-color: var(--route); }
.tracker li.current { color: var(--ink); }
.tracker li.current::before { background: linear-gradient(90deg, var(--route) 20px, var(--fog-2) 20px); }
.tracker li.current .stop { border: 6px solid var(--route); }
.tracker.funded li.current .stop { background: var(--done); border-color: var(--done); }
@media (max-width: 640px) {
  .tracker { grid-template-columns: 1fr; }
  .tracker li { padding: 0 0 14px 32px; }
  .tracker li::before { top: 0; bottom: 0; left: 8px; right: auto; width: 3px; height: auto; }
  .tracker li:last-child::before { display: none; }
  .tracker li.current::before { background: var(--fog-2); }
}
.status-note { margin: 18px 0 0; padding: 14px 16px; border-radius: var(--r-m); background: var(--fog); }
.status-note b { display: block; font-size: 1rem; margin-bottom: 2px; }
.status-note p { margin: 0; color: var(--ink-2); }
.section-title { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin: 0 0 10px; }
.section-title h2 { font-size: 1.15rem; margin: 0; }
.req { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 14px; align-items: center; padding: 14px 0; border-top: 1px solid var(--fog-2); }
.req:first-of-type { border-top: 0; }
.req h3 { font-size: .98rem; margin: 0; }
.req p { margin: 2px 0 0; font-size: .86rem; color: var(--ink-3); }
.req .files { grid-column: 1 / -1; display: grid; gap: 6px; }
.file-row { display: flex; flex-wrap: wrap; gap: 6px 12px; align-items: center; font-size: .88rem; }
.file-row a { overflow-wrap: anywhere; }
.file-row .note { flex-basis: 100%; color: var(--bad); font-size: .84rem; }
.upload-btn { min-height: 36px; padding: 0 14px; font-size: .88rem; }
.req .form-msg:empty, .req .files:empty { margin: 0; min-height: 0; }
.task { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 14px; align-items: center; padding: 12px 0; border-top: 1px solid var(--fog-2); }
.task:first-of-type { border-top: 0; }
.task.done h3 { text-decoration: line-through; color: var(--ink-3); }
.task h3 { font-size: .96rem; margin: 0; }
.task p { margin: 0; font-size: .86rem; color: var(--ink-3); }
.activity { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; font-size: .88rem; }
.activity li { display: grid; gap: 2px; padding-left: 12px; border-left: 2px solid var(--fog-2); }
.activity time { color: var(--ink-3); font-size: .8rem; }
.summary-list { display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; margin: 0; font-size: .92rem; }
.summary-list dt { color: var(--ink-3); }
.summary-list dd { margin: 0; font-weight: 600; }
.back-link { display: inline-block; margin-bottom: 12px; font-weight: 600; font-size: .92rem; }
.stack { display: grid; gap: 16px; }
.secure-form { display: grid; gap: 12px; }
.secure-form .person { display: grid; gap: 10px; padding-top: 12px; border-top: 1px solid var(--fog-2); }
.secure-form .person:first-of-type { border-top: 0; padding-top: 0; }
.lock { display: flex; gap: 8px; align-items: center; font-size: .85rem; color: var(--ink-3); }
.ok-text { color: var(--done); font-weight: 600; }
.empty { color: var(--ink-3); margin: 0; }

/* the secure page (date of birth / SSN by private link) */
.secure-wrap { padding: clamp(20px, 3vw, 40px) 0 64px; }
.secure-wrap .panel + .panel { margin-top: 16px; }
.secure-wrap h1 { font-size: clamp(1.6rem, 1.4vw + 1.1rem, 2.2rem); }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; } }
@media print { .site-header, .site-footer, .wz-actions { display: none; } }