/* ============================================================
   Netvirex — verification front-end
   Design system: cool-paper fintech, navy ink, coral "attention"
   status, emerald "complete", ledger-mono data type.
   Rebrand: change --ink / --accent and the .wordmark text.
   ============================================================ */

:root {
  /* palette */
  --paper:        #F5F7F9;
  --paper-2:      #EDF0F4;
  --surface:      #FFFFFF;
  --ink:          #132132;   /* brand dark / primary text / solid CTA */
  --ink-2:        #24384F;
  --muted:        #6A7688;
  --faint:        #9AA5B4;
  --line:         #E5E9EF;
  --line-2:       #EEF1F5;

  --accent:       #EF5B45;   /* attention / incomplete */
  --accent-soft:  #FCEAE6;
  --success:      #159B74;   /* complete */
  --success-soft: #E2F4EE;
  --gold:         #C7A24C;   /* sparing premium touch */

  /* type */
  --display: "Fraunces", Georgia, serif;
  --ui: "Plus Jakarta Sans", system-ui, -apple-system, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, monospace;

  /* form */
  --radius: 16px;
  --radius-sm: 11px;
  --shadow-sm: 0 1px 2px rgba(19,33,50,.05), 0 1px 3px rgba(19,33,50,.04);
  --shadow-md: 0 6px 24px -8px rgba(19,33,50,.16);
  --shadow-lg: 0 24px 60px -18px rgba(19,33,50,.28);
  --ease: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--ui);
  background: var(--paper);
  color: var(--ink);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}

a { color: inherit; text-decoration: none; }
button { font-family: inherit; }

.mono { font-family: var(--mono); }

/* ---------- shared shell ---------- */
.wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 24px; }

.site-header {
  position: sticky; top: 0; z-index: 40;
  background: rgba(245,247,249,.82);
  backdrop-filter: saturate(150%) blur(12px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  height: 68px; display: flex; align-items: center; gap: 28px;
}
.wordmark {
  font-family: var(--display);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -.01em;
  display: inline-flex; align-items: center; gap: 9px;
}
.wordmark .dot {
  width: 9px; height: 9px; border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.nav { display: flex; gap: 26px; margin-left: 6px; }
.nav a { color: var(--muted); font-weight: 500; font-size: 15px; }
.nav a:hover { color: var(--ink); }
.header-cta { margin-left: auto; display: flex; align-items: center; gap: 8px; }

/* ---------- buttons ---------- */
.btn {
  --pad: 12px 20px;
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: var(--pad);
  border-radius: 999px;
  font-weight: 600; font-size: 15px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .15s var(--ease), background .2s, box-shadow .2s, color .2s, border-color .2s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #0c1826; box-shadow: var(--shadow-md); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--ink-2); background: #fff; }
.btn-quiet { background: transparent; color: var(--muted); padding: 8px 12px; }
.btn-quiet:hover { color: var(--ink); }
.btn:disabled { opacity: .45; cursor: not-allowed; transform: none; }
.btn-lg { --pad: 15px 26px; font-size: 16px; }
.btn-block { width: 100%; }

/* =====================================================
   LANDING
   ===================================================== */
.hero { position: relative; overflow: hidden; }
.hero .wrap {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px;
  align-items: center; padding-top: 76px; padding-bottom: 88px;
}
.eyebrow {
  font-family: var(--mono); font-size: 12.5px; letter-spacing: .16em;
  text-transform: uppercase; color: var(--accent); font-weight: 500;
  margin-bottom: 20px;
}
.hero h1 {
  font-family: var(--display);
  font-weight: 500;
  font-size: clamp(38px, 5.4vw, 62px);
  line-height: 1.02;
  letter-spacing: -.02em;
  margin: 0 0 20px;
  color: var(--ink);
}
.hero h1 em { font-style: italic; color: var(--ink-2); }
.hero p.lede {
  font-size: 19px; color: var(--muted); max-width: 30ch; margin: 0 0 30px;
}
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.reassure {
  margin-top: 24px; display: flex; align-items: center; gap: 10px;
  color: var(--faint); font-size: 13.5px;
}
.reassure svg { flex: none; }

/* hero visual = the actual product (a mini verification card) */
.hero-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: var(--shadow-lg);
  padding: 22px;
  transform: rotate(.6deg);
}
.hero-card .hc-head {
  display: flex; align-items: center; justify-content: space-between;
  padding-bottom: 16px; margin-bottom: 6px; border-bottom: 1px solid var(--line-2);
}
.hero-card .hc-title { font-weight: 700; font-size: 15px; }
.hero-card .hc-badge {
  font-family: var(--mono); font-size: 11px; color: var(--success);
  background: var(--success-soft); padding: 4px 9px; border-radius: 999px;
}
.mini-row {
  display: flex; align-items: center; gap: 12px;
  padding: 13px 4px; border-bottom: 1px solid var(--line-2);
}
.mini-row:last-child { border-bottom: 0; }
.mini-bar { width: 4px; align-self: stretch; border-radius: 4px; background: var(--accent); }
.mini-row.done .mini-bar { background: var(--success); }
.mini-ico {
  width: 34px; height: 34px; border-radius: 9px; flex: none;
  background: var(--paper-2); display: grid; place-items: center; font-size: 16px;
}
.mini-txt { flex: 1; min-width: 0; }
.mini-txt b { display: block; font-size: 14px; font-weight: 600; }
.mini-txt span { font-size: 12px; color: var(--muted); }
.mini-row.done .mini-txt span { color: var(--success); }
.mini-check { color: var(--faint); }
.mini-row.done .mini-check { color: var(--success); }

/* logos / trust strip */
.trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #fff; }
.trust .wrap { display: flex; gap: 44px; flex-wrap: wrap; padding: 26px 24px; align-items: center; }
.trust .stat { display: flex; flex-direction: column; }
.trust .stat b { font-family: var(--display); font-size: 26px; font-weight: 600; letter-spacing: -.01em; }
.trust .stat span { font-size: 13px; color: var(--muted); }
.trust .divider { width: 1px; height: 34px; background: var(--line); }

/* features */
.section { padding: 84px 0; }
.section-head { max-width: 46ch; margin-bottom: 44px; }
.section-head .eyebrow { color: var(--muted); }
.section-head h2 {
  font-family: var(--display); font-weight: 500;
  font-size: clamp(28px, 3.6vw, 40px); letter-spacing: -.02em; line-height: 1.08; margin: 0;
}
.feature-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; }
.feature {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow-sm);
}
.feature .fnum {
  font-family: var(--mono); font-size: 12px; color: var(--faint);
  letter-spacing: .1em; margin-bottom: 18px;
}
.feature h3 { font-size: 18px; margin: 0 0 8px; letter-spacing: -.01em; }
.feature p { margin: 0; color: var(--muted); font-size: 14.5px; }

/* how it works */
.steps { background: var(--ink); color: #fff; border-radius: 24px; padding: 48px; }
.steps h2 {
  font-family: var(--display); font-weight: 500; font-size: clamp(26px,3.4vw,38px);
  letter-spacing: -.02em; margin: 0 0 36px; max-width: 20ch;
}
.step-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.step .snum {
  font-family: var(--mono); font-size: 13px; color: var(--gold);
  padding-bottom: 12px; margin-bottom: 14px; border-bottom: 1px solid rgba(255,255,255,.16);
}
.step h4 { font-size: 17px; margin: 0 0 6px; }
.step p { margin: 0; color: rgba(255,255,255,.66); font-size: 14.5px; }

.cta-band { text-align: center; padding: 90px 24px; }
.cta-band h2 {
  font-family: var(--display); font-weight: 500; font-size: clamp(30px,4.4vw,50px);
  letter-spacing: -.02em; margin: 0 auto 24px; max-width: 18ch; line-height: 1.05;
}

.site-footer { border-top: 1px solid var(--line); padding: 40px 0; }
.site-footer .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.site-footer small { color: var(--faint); font-size: 13px; }
.foot-links { display: flex; gap: 20px; }
.foot-links a { color: var(--muted); font-size: 13.5px; }
.foot-links a:hover { color: var(--ink); }

/* =====================================================
   UPLOAD / VERIFICATION PAGE
   ===================================================== */
.verify-shell { max-width: 640px; margin: 0 auto; padding: 40px 20px 140px; }

.verify-top {
  display: flex; align-items: center; gap: 20px; margin-bottom: 12px;
}
.ring { position: relative; width: 76px; height: 76px; flex: none; }
.ring svg { transform: rotate(-90deg); }
.ring .ring-track { stroke: var(--line); }
.ring .ring-fill {
  stroke: var(--success); stroke-linecap: round;
  transition: stroke-dashoffset .7s var(--ease);
}
.ring .ring-num {
  position: absolute; inset: 0; display: grid; place-items: center;
  font-family: var(--mono); font-size: 15px; font-weight: 500; color: var(--ink);
}
.verify-heading h1 {
  font-family: var(--display); font-weight: 500; font-size: 27px;
  letter-spacing: -.01em; margin: 0 0 4px;
}
.verify-heading p { margin: 0; color: var(--muted); font-size: 14.5px; }

.verify-meta {
  display: flex; align-items: center; gap: 10px; margin: 18px 0 22px;
  font-family: var(--mono); font-size: 12px; color: var(--faint);
}
.verify-meta .lock { display: inline-flex; align-items: center; gap: 6px; color: var(--muted); }

/* document card (mirrors the reference: left bar + title + status + chevron) */
.doc-list { display: flex; flex-direction: column; gap: 14px; }
.doc-card {
  position: relative; width: 100%; text-align: left;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 20px 20px 24px;
  display: flex; align-items: center; gap: 16px;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s, border-color .2s, transform .12s var(--ease);
  overflow: hidden;
}
.doc-card::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 5px;
  background: var(--accent);
  transition: background .3s;
}
.doc-card:hover { box-shadow: var(--shadow-md); transform: translateY(-1px); }
.doc-card:focus-visible { outline: 2px solid var(--ink); outline-offset: 2px; }
.doc-card.done::before { background: var(--success); }

.doc-ico {
  width: 44px; height: 44px; border-radius: 12px; flex: none;
  background: var(--paper-2); display: grid; place-items: center;
  color: var(--ink-2);
}
.doc-card.done .doc-ico { background: var(--success-soft); color: var(--success); }

.doc-body { flex: 1; min-width: 0; }
.doc-body h3 { margin: 0 0 3px; font-size: 16.5px; font-weight: 700; letter-spacing: -.01em; }
.doc-status {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 13px; color: var(--muted);
}
.doc-status .fname {
  font-family: var(--mono); font-size: 12px; color: var(--faint);
  overflow: hidden; text-overflow: ellipsis; white-space: nowrap; max-width: 220px;
}
.doc-card.done .doc-status { color: var(--success); font-weight: 600; }

.doc-chevron { color: var(--faint); flex: none; transition: transform .2s, color .2s; }
.doc-card:hover .doc-chevron { color: var(--ink); transform: translateX(2px); }
.doc-card.done .doc-chevron { color: var(--success); }

.pill-req {
  font-family: var(--mono); font-size: 10px; letter-spacing: .08em;
  color: var(--accent); background: var(--accent-soft);
  padding: 2px 7px; border-radius: 999px; margin-left: 8px; vertical-align: middle;
}
.doc-card.done .pill-req { color: var(--success); background: var(--success-soft); }

/* sticky submit */
.verify-footer {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 30;
  background: linear-gradient(to top, var(--paper) 62%, rgba(245,247,249,0));
  padding: 20px;
}
.verify-footer .inner { max-width: 640px; margin: 0 auto; }
.verify-footer .hint {
  text-align: center; font-size: 12.5px; color: var(--muted);
  margin-bottom: 10px; font-family: var(--mono);
}

/* ---------- upload drawer / modal ---------- */
.scrim {
  position: fixed; inset: 0; z-index: 60;
  background: rgba(19,33,50,.42);
  backdrop-filter: blur(3px);
  opacity: 0; pointer-events: none; transition: opacity .25s;
}
.scrim.open { opacity: 1; pointer-events: auto; }
.sheet {
  position: fixed; z-index: 61; left: 50%; bottom: 0;
  width: min(560px, 100%); transform: translate(-50%, 100%);
  background: var(--surface);
  border-radius: 22px 22px 0 0;
  box-shadow: var(--shadow-lg);
  padding: 8px 24px 28px;
  transition: transform .32s var(--ease);
  max-height: 92vh; overflow-y: auto;
}
.sheet.open { transform: translate(-50%, 0); }
@media (min-width: 720px) {
  .sheet { bottom: auto; top: 50%; border-radius: 22px; transform: translate(-50%, -46%) scale(.98); opacity: 0; pointer-events: none; }
  .sheet.open { transform: translate(-50%, -50%) scale(1); opacity: 1; pointer-events: auto; }
}
.sheet-grip { width: 40px; height: 4px; border-radius: 4px; background: var(--line); margin: 8px auto 14px; }
@media (min-width: 720px) { .sheet-grip { display: none; } }

.sheet-head { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 18px; }
.sheet-head h2 { font-family: var(--display); font-weight: 500; font-size: 22px; margin: 0 0 3px; letter-spacing: -.01em; }
.sheet-head p { margin: 0; color: var(--muted); font-size: 14px; }
.sheet-close {
  margin-left: auto; flex: none; width: 34px; height: 34px; border-radius: 50%;
  border: 1px solid var(--line); background: #fff; color: var(--muted);
  cursor: pointer; display: grid; place-items: center;
}
.sheet-close:hover { color: var(--ink); border-color: var(--ink-2); }

/* drop zone */
.dropzone {
  border: 1.5px dashed var(--line);
  border-radius: var(--radius);
  background: var(--paper);
  padding: 34px 20px; text-align: center;
  cursor: pointer; transition: border-color .2s, background .2s;
}
.dropzone:hover { border-color: var(--ink-2); }
.dropzone.drag { border-color: var(--accent); background: var(--accent-soft); }
.dropzone .dz-ico { color: var(--ink-2); margin-bottom: 12px; }
.dropzone b { display: block; font-size: 15px; }
.dropzone b u { text-decoration-color: var(--accent); text-underline-offset: 3px; }
.dropzone small { color: var(--muted); font-size: 12.5px; }

/* camera capture (selfie) */
.camera-box {
  border: 1.5px dashed var(--line);
  border-radius: var(--radius);
  background: var(--paper);
  padding: 20px;
  text-align: center;
}
.camera-frame {
  position: relative;
  width: 100%; max-width: 320px; aspect-ratio: 4 / 3;
  margin: 0 auto;
  border-radius: 14px; overflow: hidden;
  background: var(--paper-2);
}
.camera-frame video { width: 100%; height: 100%; object-fit: cover; transform: scaleX(-1); }
.camera-actions { margin-top: 16px; }
.camera-actions .btn { min-width: 160px; }
.camera-err { color: var(--accent); font-size: 13px; margin-top: 12px; font-weight: 500; display: none; }
.camera-err.show { display: block; }
.camera-fallback {
  display: inline-block; margin-top: 14px;
  background: none; border: 0; cursor: pointer;
  color: var(--muted); font-size: 13px;
  text-decoration: underline; text-underline-offset: 3px;
}
.camera-fallback:hover { color: var(--ink); }

/* file preview */
.filecard {
  display: flex; align-items: center; gap: 14px;
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 12px; margin-top: 14px; background: #fff;
}
.thumb {
  width: 52px; height: 52px; border-radius: 9px; flex: none;
  background: var(--paper-2); display: grid; place-items: center; overflow: hidden;
  color: var(--ink-2); font-family: var(--mono); font-size: 11px; font-weight: 600;
}
.thumb img { width: 100%; height: 100%; object-fit: cover; }
.finfo { flex: 1; min-width: 0; }
.finfo .fn { font-size: 14px; font-weight: 600; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.finfo .fmeta { font-family: var(--mono); font-size: 11.5px; color: var(--faint); margin-top: 2px; }
.pbar { height: 5px; border-radius: 4px; background: var(--paper-2); overflow: hidden; margin-top: 8px; }
.pbar > i { display: block; height: 100%; width: 0; background: var(--success); transition: width .2s linear; }
.fdel {
  flex: none; background: none; border: 0; cursor: pointer; color: var(--faint);
  width: 32px; height: 32px; border-radius: 8px;
}
.fdel:hover { color: var(--accent); background: var(--accent-soft); }

.sheet-err {
  color: var(--accent); font-size: 13px; margin-top: 12px; font-weight: 500;
  display: none;
}
.sheet-err.show { display: block; }
.sheet-actions { display: flex; gap: 10px; margin-top: 22px; }

/* toast */
.toast {
  position: fixed; left: 50%; bottom: 96px; transform: translate(-50%, 20px);
  background: var(--ink); color: #fff; padding: 12px 18px; border-radius: 999px;
  font-size: 14px; font-weight: 500; box-shadow: var(--shadow-lg);
  opacity: 0; pointer-events: none; transition: opacity .25s, transform .25s; z-index: 80;
  display: inline-flex; align-items: center; gap: 9px;
}
.toast.show { opacity: 1; transform: translate(-50%, 0); }
.toast svg { color: var(--success-soft); }

/* success overlay */
.done-screen {
  position: fixed; inset: 0; z-index: 90; background: var(--paper);
  display: none; place-items: center; text-align: center; padding: 24px;
}
.done-screen.show { display: grid; }
.done-screen .seal {
  width: 96px; height: 96px; border-radius: 50%; margin: 0 auto 24px;
  background: var(--success-soft); color: var(--success);
  display: grid; place-items: center;
  animation: pop .5s var(--ease);
}
@keyframes pop { 0%{transform:scale(.6);opacity:0} 60%{transform:scale(1.08)} 100%{transform:scale(1);opacity:1} }
.done-screen h1 { font-family: var(--display); font-weight: 500; font-size: 34px; letter-spacing: -.01em; margin: 0 0 10px; }
.done-screen p { color: var(--muted); max-width: 40ch; margin: 0 auto 28px; }

/* ---------- responsive ---------- */
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; gap: 40px; padding-top: 52px; padding-bottom: 60px; }
  .hero-card { transform: none; max-width: 440px; }
  .feature-grid, .step-grid { grid-template-columns: 1fr; }
  .steps { padding: 34px; }
  .nav { display: none; }
}
@media (max-width: 520px) {
  .wrap { padding: 0 18px; }
  .trust .wrap { gap: 22px; }
  .trust .divider { display: none; }
  .doc-status .fname { max-width: 150px; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}

/* =====================================================
   EXPANDED LANDING (albert-style anatomy, netvirex brand)
   ===================================================== */

/* product tabs (hero-adjacent "full picture" section) */
.tabs-section { background: #fff; border-top: 1px solid var(--line); }
.tabs-section .wrap { padding-top: 84px; padding-bottom: 84px; }
.tab-rail {
  display: flex; gap: 8px; flex-wrap: wrap; margin: 34px 0 30px;
}
.tab-chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 16px; border-radius: 999px;
  border: 1px solid var(--line); background: var(--paper);
  font-weight: 600; font-size: 14.5px; color: var(--muted);
  cursor: pointer; transition: all .18s var(--ease);
}
.tab-chip:hover { border-color: var(--ink-2); color: var(--ink); }
.tab-chip.active { background: var(--ink); border-color: var(--ink); color: #fff; }
.tab-chip:focus-visible { outline: 2px solid var(--ink); outline-offset: 2px; }

.tab-stage {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center;
  background: var(--paper); border: 1px solid var(--line);
  border-radius: 24px; padding: 44px; min-height: 340px;
}
.tab-copy h3 { font-family: var(--display); font-weight: 500; font-size: 28px; letter-spacing: -.015em; margin: 0 0 12px; }
.tab-copy p { color: var(--muted); font-size: 16px; margin: 0 0 22px; max-width: 44ch; }
.tab-panel { display: none; }
.tab-panel.active { display: grid; animation: fadeup .35s var(--ease); }
@keyframes fadeup { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

/* fake app widget shown per tab */
.widget {
  background: #fff; border: 1px solid var(--line); border-radius: 18px;
  box-shadow: var(--shadow-md); padding: 22px; max-width: 380px; justify-self: center; width: 100%;
}
.widget .w-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 16px; }
.widget .w-title { font-weight: 700; font-size: 14px; }
.widget .w-sub { font-family: var(--mono); font-size: 11px; color: var(--faint); }
.w-bignum { font-family: var(--display); font-size: 34px; font-weight: 600; letter-spacing: -.01em; margin-bottom: 14px; }
.w-bignum small { font-size: 15px; color: var(--muted); font-family: var(--ui); font-weight: 500; }
.w-bars { display: flex; align-items: flex-end; gap: 8px; height: 90px; }
.w-bars i { flex: 1; border-radius: 6px 6px 3px 3px; background: var(--paper-2); position: relative; }
.w-bars i.hot { background: var(--ink); }
.w-bars i.acc { background: var(--accent); }
.w-rows .wr { display: flex; justify-content: space-between; padding: 10px 0; border-bottom: 1px solid var(--line-2); font-size: 14px; }
.w-rows .wr:last-child { border-bottom: 0; }
.w-rows .wr b { font-weight: 600; }
.w-rows .wr .neg { color: var(--accent); font-family: var(--mono); font-size: 13px; }
.w-rows .wr .pos { color: var(--success); font-family: var(--mono); font-size: 13px; }
.w-progress { height: 8px; border-radius: 6px; background: var(--paper-2); overflow: hidden; margin: 8px 0 4px; }
.w-progress i { display: block; height: 100%; background: var(--success); border-radius: 6px; }
.w-note { font-size: 12.5px; color: var(--muted); }

/* assistant grid (albert "genius" analog = "Pilot") */
.assist { padding: 84px 0; }
.assist-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }
.assist-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow-sm);
  transition: transform .2s var(--ease), box-shadow .2s;
}
.assist-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.assist-card .ac-ico {
  width: 42px; height: 42px; border-radius: 12px; background: var(--paper-2);
  display: grid; place-items: center; font-size: 19px; margin-bottom: 16px;
}
.assist-card h3 { font-size: 17px; margin: 0 0 6px; letter-spacing: -.01em; }
.assist-card p { margin: 0; color: var(--muted); font-size: 14px; }

/* bank/save/invest trio */
.trio { padding: 0 0 84px; }
.trio-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.trio-card {
  border-radius: 20px; padding: 28px; border: 1px solid var(--line);
  background: var(--surface); display: flex; flex-direction: column; gap: 10px;
  box-shadow: var(--shadow-sm);
}
.trio-card .t-emoji { font-size: 26px; }
.trio-card h3 { font-family: var(--display); font-weight: 500; font-size: 22px; margin: 4px 0 0; letter-spacing: -.01em; }
.trio-card p { margin: 0; color: var(--muted); font-size: 14.5px; flex: 1; }
.trio-card .t-link { font-weight: 600; font-size: 14.5px; color: var(--ink); display: inline-flex; gap: 6px; align-items: center; }
.trio-card .t-link:hover { color: var(--accent); }
.trio-card.dark { background: var(--ink); border-color: var(--ink); }
.trio-card.dark h3, .trio-card.dark .t-link { color: #fff; }
.trio-card.dark p { color: rgba(255,255,255,.66); }
.trio-card.dark .t-link:hover { color: var(--gold); }

/* protect */
.protect { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.protect .wrap { padding-top: 84px; padding-bottom: 84px; }
.protect-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin-top: 40px; }
.protect-item {
  display: flex; gap: 16px; padding: 20px; border: 1px solid var(--line);
  border-radius: var(--radius-sm); background: var(--paper);
}
.protect-item .p-ico {
  width: 40px; height: 40px; flex: none; border-radius: 11px;
  background: var(--accent-soft); color: var(--accent); display: grid; place-items: center;
}
.protect-item h4 { margin: 0 0 4px; font-size: 15.5px; }
.protect-item p { margin: 0; color: var(--muted); font-size: 13.5px; }

/* big stats band */
.bigstats { padding: 90px 0; text-align: center; }
.bigstats h2 {
  font-family: var(--display); font-weight: 500; letter-spacing: -.02em;
  font-size: clamp(28px, 3.8vw, 42px); margin: 0 0 48px;
}
.bigstats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.bigstat b {
  display: block; font-family: var(--display); font-weight: 600;
  font-size: clamp(34px, 5vw, 54px); letter-spacing: -.02em;
}
.bigstat span { color: var(--muted); font-size: 15px; }

/* disclosures footer */
.disclosures { border-top: 1px solid var(--line); padding: 36px 0 8px; }
.disclosures p { font-size: 11.5px; color: var(--faint); line-height: 1.55; max-width: 900px; }

@media (max-width: 900px) {
  .tab-stage { grid-template-columns: 1fr; padding: 26px; gap: 28px; }
  .assist-grid, .trio-grid, .bigstats-grid { grid-template-columns: 1fr; }
  .protect-grid { grid-template-columns: 1fr; }
}

/* =====================================================
   AUTH PAGES
   ===================================================== */
.auth-shell {
  min-height: calc(100vh - 68px);
  display: grid; place-items: center; padding: 40px 20px;
}
.auth-card {
  width: 100%; max-width: 420px;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: 22px; box-shadow: var(--shadow-md); padding: 34px;
}
.auth-card h1 {
  font-family: var(--display); font-weight: 500; font-size: 26px;
  letter-spacing: -.01em; margin: 0 0 6px;
}
.auth-card > p { margin: 0 0 24px; color: var(--muted); font-size: 14.5px; }
.auth-notice {
  background: var(--accent-soft); color: var(--ink); border: 1px solid var(--accent);
  border-radius: var(--radius-sm); padding: 12px 14px; font-size: 13.5px;
  margin: -8px 0 20px;
}
.field { margin-bottom: 16px; }
.field label { display: block; font-size: 13.5px; font-weight: 600; margin-bottom: 6px; }
.field input {
  width: 100%; padding: 12px 14px; font: inherit; font-size: 15px;
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: var(--paper); color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus { outline: none; border-color: var(--ink-2); box-shadow: 0 0 0 3px rgba(19,33,50,.08); }
.field .ferr { color: var(--accent); font-size: 12.5px; margin-top: 5px; font-weight: 500; }
.auth-alt { margin-top: 18px; text-align: center; font-size: 14px; color: var(--muted); }
.auth-alt a { color: var(--ink); font-weight: 600; }
.auth-alt a:hover { color: var(--accent); }
.remember-row { display: flex; align-items: center; gap: 8px; margin-bottom: 18px; font-size: 14px; color: var(--muted); }
.remember-row input { accent-color: var(--ink); width: 16px; height: 16px; }

/* =====================================================
   LOAN APPLICATION WIZARD
   ===================================================== */
.apply-shell { max-width: 640px; margin: 0 auto; padding: 40px 20px 120px; }
.apply-top { margin-bottom: 28px; }
.apply-top h1 { font-family: var(--display); font-weight: 500; font-size: 30px; letter-spacing: -.01em; margin: 0 0 8px; }
.apply-top p { margin: 0; color: var(--muted); font-size: 15px; }

.step-indicator { display: flex; align-items: center; margin-bottom: 32px; }
.step-dot { display: flex; flex-direction: column; align-items: center; gap: 6px; flex: none; }
.step-dot span {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center;
  font-family: var(--mono); font-size: 13px; font-weight: 600;
  background: var(--paper-2); color: var(--faint); border: 1px solid var(--line);
  transition: background .2s, color .2s, border-color .2s;
}
.step-dot small { font-size: 11px; color: var(--faint); font-weight: 600; letter-spacing: .02em; white-space: nowrap; }
.step-dot.active span { background: var(--ink); border-color: var(--ink); color: var(--surface); }
.step-dot.active small { color: var(--ink); }
.step-dot.done span { background: var(--success-soft); border-color: var(--success); color: var(--success); }
.step-line { flex: 1; height: 1px; background: var(--line); margin: 0 6px 18px; }

.step h2 { font-family: var(--display); font-weight: 500; font-size: 21px; letter-spacing: -.01em; margin: 0 0 20px; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.grid-2 .field { min-width: 0; }
@media (max-width: 520px) { .grid-2 { grid-template-columns: 1fr; } }

.field small { color: var(--faint); font-weight: 500; }

.field select {
  width: 100%; padding: 12px 14px; font: inherit; font-size: 15px;
  border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: var(--paper); color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
  appearance: none;
  background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%236A7688' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center;
}
.field select:focus { outline: none; border-color: var(--ink-2); box-shadow: 0 0 0 3px rgba(19,33,50,.08); }
.field select:disabled { opacity: .55; cursor: not-allowed; }

.input-prefix { position: relative; }
.input-prefix span {
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--muted); font-size: 15px; pointer-events: none;
}
.input-prefix input { padding-left: 28px !important; }

.yn-toggle { display: flex; gap: 10px; }
.yn-option {
  position: relative; flex: 1; display: flex; align-items: center; justify-content: center;
  padding: 12px 14px; border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: var(--paper); cursor: pointer; font-weight: 600; font-size: 14.5px;
  transition: border-color .15s, background .15s, color .15s;
}
.yn-option input { position: absolute; opacity: 0; pointer-events: none; }
.yn-option:has(input:checked) { border-color: var(--ink); background: var(--ink); color: var(--surface); }
.yn-option:has(input:focus-visible) { outline: 2px solid var(--ink-2); outline-offset: 2px; }

.consent-box { margin: 24px 0 4px; padding: 14px 16px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-sm); }
.consent-row { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: var(--muted); cursor: pointer; }
.consent-row input { margin-top: 3px; accent-color: var(--ink); width: 16px; height: 16px; flex: none; }
.consent-row a { color: var(--ink); font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }

.step-actions { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 28px; }
.step-actions .btn-primary,
.step-actions .btn-ghost { min-width: 140px; }

/* =====================================================
   MOBILE NAV
   ===================================================== */
.nav-toggle {
  display: none; margin-left: auto;
  width: 40px; height: 40px; border-radius: 10px;
  border: 1px solid var(--line); background: var(--surface); color: var(--ink);
  cursor: pointer; place-items: center;
}
.mobile-menu {
  display: none; position: fixed; inset: 68px 0 0 0; z-index: 50;
  background: var(--paper); padding: 24px;
  flex-direction: column; gap: 6px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a {
  padding: 15px 12px; border-radius: 12px; font-weight: 600; font-size: 17px;
}
.mobile-menu a:hover { background: var(--paper-2); }
.mobile-menu .mm-cta { margin-top: auto; display: grid; gap: 10px; }
@media (max-width: 900px) {
  .nav-toggle { display: grid; }
  .header-cta { display: none; }
}

/* =====================================================
   DARK MODE
   ===================================================== */
.theme-toggle {
  width: 40px; height: 40px; border-radius: 999px; flex: none;
  border: 1px solid var(--line); background: var(--surface); color: var(--muted);
  cursor: pointer; display: grid; place-items: center;
  transition: color .2s, border-color .2s;
}
.theme-toggle:hover { color: var(--ink); border-color: var(--ink-2); }
.theme-toggle .ico-moon { display: block; }
.theme-toggle .ico-sun { display: none; }

html[data-theme="dark"] {
  --paper:        #10161F;
  --paper-2:      #1A2230;
  --surface:      #161E2A;
  --ink:          #EDF1F6;
  --ink-2:        #C6D0DE;
  --muted:        #8FA0B5;
  --faint:        #5F7089;
  --line:         #253044;
  --line-2:       #1F2938;
  --accent-soft:  #3A2320;
  --success-soft: #12312A;
  --shadow-sm: 0 1px 2px rgba(0,0,0,.3);
  --shadow-md: 0 6px 24px -8px rgba(0,0,0,.5);
  --shadow-lg: 0 24px 60px -18px rgba(0,0,0,.65);
}
html[data-theme="dark"] body { background: var(--paper); color: var(--ink); }
html[data-theme="dark"] .site-header { background: rgba(16,22,31,.82); }
html[data-theme="dark"] .btn-primary { background: #EDF1F6; color: #10161F; }
html[data-theme="dark"] .btn-primary:hover { background: #fff; }
html[data-theme="dark"] .btn-ghost:hover { background: var(--paper-2); }
html[data-theme="dark"] .tabs-section,
html[data-theme="dark"] .protect,
html[data-theme="dark"] .trust { background: var(--surface); }
html[data-theme="dark"] .tab-chip.active { background: #EDF1F6; border-color: #EDF1F6; color: #10161F; }
html[data-theme="dark"] .steps,
html[data-theme="dark"] .trio-card.dark { background: #0B1017; border-color: #0B1017; }
html[data-theme="dark"] .verify-footer { background: linear-gradient(to top, var(--paper) 62%, rgba(16,22,31,0)); }
html[data-theme="dark"] .toast { background: #EDF1F6; color: #10161F; }
html[data-theme="dark"] .toast svg { color: var(--success); }
html[data-theme="dark"] .w-bars i.hot { background: #EDF1F6; }
html[data-theme="dark"] .field input:focus { box-shadow: 0 0 0 3px rgba(237,241,246,.1); }
html[data-theme="dark"] .field select:focus { box-shadow: 0 0 0 3px rgba(237,241,246,.1); }
html[data-theme="dark"] .field select {
  background-image: url("data:image/svg+xml;charset=UTF-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%239AA5B4' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
}
html[data-theme="dark"] .yn-option:has(input:checked) { background: #EDF1F6; border-color: #EDF1F6; color: #10161F; }
html[data-theme="dark"] .step-dot.active span { background: #EDF1F6; border-color: #EDF1F6; color: #10161F; }