/* =====================================================================
   BizFi Credit Accelerator design system — shared tokens + components
   Light palette lives on :root; dark redefines tokens only.
   ===================================================================== */

:root{
  --ground:#EEF1F7;
  --surface:#FFFFFF;
  --surface-2:#F7F9FC;
  --ink:#141C33;
  --ink-soft:#33405F;
  --muted:#67728C;
  --faint:#9AA4BC;
  --line:#DBE1EC;
  --line-strong:#C4CCDC;
  --accent:#2A46B0;
  --accent-ink:#FFFFFF;
  --accent-soft:#E7ECFA;
  --brass:#9A7736;
  --ok:#1B7A4B;
  --ok-soft:#E1F1E8;
  --warn:#B4720C;
  --warn-soft:#F8ECD7;
  --crit:#B02A2A;
  --crit-soft:#F7E2E1;
  --idle:#7B879E;
  --idle-soft:#EAEDF3;
  --shadow:0 1px 2px rgba(20,28,51,.06), 0 8px 24px -12px rgba(20,28,51,.18);
  --radius:12px;
  --maxw:1180px;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --ground:#0B0F1C; --surface:#121A2E; --surface-2:#0F1728;
    --ink:#EDF1F9; --ink-soft:#C4CEE2; --muted:#93A0BC; --faint:#6B7794;
    --line:#26314B; --line-strong:#33405F;
    --accent:#8CA2F0; --accent-ink:#0B0F1C; --accent-soft:#1B2544; --brass:#C9A461;
    --ok:#5BC98C; --ok-soft:#12261C; --warn:#E0A64B; --warn-soft:#2A2011;
    --crit:#E8817C; --crit-soft:#2C1615; --idle:#8B96AF; --idle-soft:#1A2237;
    --shadow:0 1px 2px rgba(0,0,0,.4), 0 12px 30px -14px rgba(0,0,0,.7);
  }
}
:root[data-theme="dark"]{
  --ground:#0B0F1C; --surface:#121A2E; --surface-2:#0F1728;
  --ink:#EDF1F9; --ink-soft:#C4CEE2; --muted:#93A0BC; --faint:#6B7794;
  --line:#26314B; --line-strong:#33405F;
  --accent:#8CA2F0; --accent-ink:#0B0F1C; --accent-soft:#1B2544; --brass:#C9A461;
  --ok:#5BC98C; --ok-soft:#12261C; --warn:#E0A64B; --warn-soft:#2A2011;
  --crit:#E8817C; --crit-soft:#2C1615; --idle:#8B96AF; --idle-soft:#1A2237;
  --shadow:0 1px 2px rgba(0,0,0,.4), 0 12px 30px -14px rgba(0,0,0,.7);
}

/* ---------- Base ---------- */
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--ground);color:var(--ink);
  font-family:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  font-size:15px;line-height:1.5;-webkit-font-smoothing:antialiased;
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px 64px}
.mono{font-family:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,monospace;font-variant-numeric:tabular-nums}
.tnum{font-variant-numeric:tabular-nums}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:11px;font-weight:600;color:var(--muted)}
h1,h2,h3{font-family:"Spectral",Georgia,serif;font-weight:600;text-wrap:balance;margin:0}
a{color:inherit}
button,input,select{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.muted{color:var(--muted)}
.small{font-size:12.5px}

/* ---------- Ecosystem nav ---------- */
.eco{background:var(--ink);color:var(--ground);font-size:12px}
:root[data-theme="dark"] .eco{background:#060912}
@media (prefers-color-scheme:dark){ :root:not([data-theme="light"]) .eco{background:#060912} }
.eco-in{max-width:var(--maxw);margin:0 auto;padding:6px 20px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.eco .eco-brand{font-family:"Spectral",serif;font-weight:600;font-size:13px;letter-spacing:.02em;opacity:.95}
.eco a{color:inherit;text-decoration:none;opacity:.7;padding:3px 0;border-bottom:1.5px solid transparent}
.eco a:hover{opacity:1}
.eco a[aria-current="page"]{opacity:1;border-bottom-color:var(--brass)}
.eco .eco-tag{margin-left:auto;opacity:.55;letter-spacing:.06em;text-transform:uppercase;font-size:10.5px}

/* ---------- Masthead ---------- */
header.mast{border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--surface),var(--surface-2))}
.mast-in{max-width:var(--maxw);margin:0 auto;padding:18px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:14px;min-width:0}
.mark{
  width:42px;height:42px;border-radius:10px;flex:none;
  background:radial-gradient(120% 120% at 30% 20%, var(--accent), #16205a);
  display:grid;place-items:center;color:#fff;box-shadow:inset 0 0 0 1px rgba(255,255,255,.14);
}
.mark svg{width:22px;height:22px}
.brand-txt{min-width:0}
.brand-txt h1{font-size:20px;line-height:1.15;letter-spacing:-.01em}
.brand-sub{font-size:12.5px;color:var(--muted);margin-top:2px}
.mast-right{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.codechip{display:inline-flex;align-items:center;gap:7px;font-size:12px;color:var(--muted);border:1px solid var(--line);border-radius:999px;padding:4px 10px;background:var(--surface)}
.dot{width:7px;height:7px;border-radius:50%;background:var(--ok);box-shadow:0 0 0 3px var(--ok-soft)}
.tgl{border:1px solid var(--line-strong);background:var(--surface);color:var(--ink);width:38px;height:34px;border-radius:9px;cursor:pointer;display:grid;place-items:center}
.tgl:hover{border-color:var(--accent)}
.tgl svg{width:17px;height:17px}
.avatar{width:34px;height:34px;border-radius:50%;background:var(--accent-soft);color:var(--accent);display:grid;place-items:center;font-weight:600;font-size:13px}

/* ---------- Panels ---------- */
section.panel,.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.panel-h{padding:15px 18px 13px;border-bottom:1px solid var(--line);display:flex;align-items:baseline;justify-content:space-between;gap:12px;flex-wrap:wrap}
.panel-h h2{font-size:16.5px;letter-spacing:-.01em}
.panel-h .eyebrow{margin-bottom:4px;display:block}
.panel-h .meta{font-size:12px;color:var(--muted)}
.panel-b{padding:18px}
.stack{display:flex;flex-direction:column;gap:20px}

/* ---------- KPI tiles ---------- */
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.kpi{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px 16px 15px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.kpi .cap{font-size:12px;color:var(--muted);font-weight:500;display:flex;align-items:center;gap:7px}
.kpi .big{font-family:"Spectral",serif;font-size:36px;line-height:1;margin-top:12px;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.kpi .unit{font-size:14px;color:var(--muted);font-family:"IBM Plex Sans",sans-serif}
.kpi .foot{font-size:12px;color:var(--muted);margin-top:9px}
.kpi.accent::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--accent)}
.trend{display:inline-flex;align-items:center;gap:4px;font-size:11.5px;font-weight:600;padding:1px 7px;border-radius:999px}
.trend.up{color:var(--ok);background:var(--ok-soft)}
.trend.flat{color:var(--warn);background:var(--warn-soft)}

/* ---------- Status pills ---------- */
.pill{display:inline-flex;align-items:center;gap:6px;font-size:11.5px;font-weight:600;padding:3px 9px;border-radius:999px;white-space:nowrap;letter-spacing:.01em}
.pill i{width:6px;height:6px;border-radius:50%;flex:none}
.p-done{color:var(--ok);background:var(--ok-soft)}.p-done i{background:var(--ok)}
.p-track{color:var(--accent);background:var(--accent-soft)}.p-track i{background:var(--accent)}
.p-risk{color:var(--warn);background:var(--warn-soft)}.p-risk i{background:var(--warn)}
.p-crit{color:var(--crit);background:var(--crit-soft)}.p-crit i{background:var(--crit)}
.p-idle{color:var(--idle);background:var(--idle-soft)}.p-idle i{background:var(--idle)}

/* ---------- Progress bars ---------- */
.bar{height:7px;border-radius:5px;background:var(--idle-soft);overflow:hidden}
.bar > i{display:block;height:100%;border-radius:5px;background:var(--accent)}
@media (prefers-reduced-motion:no-preference){ .bar > i{transition:width .5s ease} }

/* ---------- Tables ---------- */
.tbl-scroll{overflow-x:auto}
table.tbl{border-collapse:collapse;width:100%;font-size:13.5px}
.tbl thead th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:600;padding:11px 14px;border-bottom:1px solid var(--line-strong);white-space:nowrap;background:var(--surface-2)}
.tbl tbody td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:middle}
.tbl tbody tr:last-child td{border-bottom:0}
.tbl tbody tr:hover{background:var(--surface-2)}
.tbl td.num,.tbl th.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
.jur{font-size:11px;font-weight:600;letter-spacing:.03em;color:var(--muted);border:1px solid var(--line);border-radius:5px;padding:1px 6px;white-space:nowrap}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:9px;padding:9px 16px;font-weight:600;font-size:14px;cursor:pointer;border:1px solid var(--line-strong);background:var(--surface);color:var(--ink);text-decoration:none;white-space:nowrap}
.btn:hover{border-color:var(--accent)}
.btn.primary{background:var(--accent);border-color:var(--accent);color:var(--accent-ink)}
.btn.primary:hover{filter:brightness(1.08)}
.btn.sm{padding:6px 12px;font-size:13px}
.btn[disabled]{opacity:.5;cursor:not-allowed}

/* ---------- Forms ---------- */
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px 16px}
.field{display:flex;flex-direction:column;gap:5px;min-width:0}
.field.full{grid-column:1 / -1}
.field label{font-size:12.5px;font-weight:600;color:var(--ink-soft)}
.field .hint{font-size:11.5px;color:var(--muted)}
.field input,.field select{border:1px solid var(--line-strong);background:var(--surface);border-radius:8px;padding:9px 11px;font-size:14px;width:100%}
.field input:focus,.field select:focus{border-color:var(--accent);outline:none;box-shadow:0 0 0 3px var(--accent-soft)}
.field .prefix{position:relative}
.field .prefix span{position:absolute;left:11px;top:50%;transform:translateY(-50%);color:var(--muted)}
.field .prefix input{padding-left:24px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink-soft)}
.check input{margin-top:4px;accent-color:var(--accent)}

/* ---------- Portal shell (sidebar nav + views) ---------- */
.shell{display:grid;grid-template-columns:220px 1fr;gap:22px;margin-top:22px;align-items:start}
.snav{position:sticky;top:16px;display:flex;flex-direction:column;gap:2px}
.snav a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:9px;text-decoration:none;color:var(--ink-soft);font-size:14px;font-weight:500}
.snav a:hover{background:var(--surface)}
.snav a[aria-current="page"]{background:var(--surface);color:var(--accent);box-shadow:var(--shadow);font-weight:600}
.snav a svg{width:17px;height:17px;flex:none;opacity:.8}
.snav .sec{padding:14px 12px 5px;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--faint);font-weight:600}
.view{display:none}
.view.on{display:block}
.view-h{margin-bottom:16px}
.view-h h2{font-size:24px;letter-spacing:-.01em}
.view-h p{margin:4px 0 0;color:var(--muted);font-size:14px}

/* ---------- Notices / disclosures ---------- */
.notice{border:1px solid var(--line);border-left:3px solid var(--accent);background:var(--surface-2);border-radius:8px;padding:12px 14px;font-size:13px;color:var(--ink-soft)}
.notice.warn{border-left-color:var(--warn)}
.notice b{color:var(--ink)}
.review-flag{display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;color:var(--brass);border:1px dashed var(--brass);border-radius:999px;padding:2px 8px;letter-spacing:.03em;text-transform:uppercase}
.disc{border:1px solid var(--line);border-radius:10px;overflow:hidden}
.disc + .disc{margin-top:14px}
.disc-h{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 16px;background:var(--surface-2);border-bottom:1px solid var(--line);flex-wrap:wrap}
.disc-h b{font-size:14px}
.disc-h .cite{font-size:12px;color:var(--muted)}
.disc-b{padding:14px 16px;font-size:13.5px;color:var(--ink-soft)}
.disc-b p{margin:0 0 10px}.disc-b p:last-child{margin-bottom:0}
/* TILA "Schumer box" — two-column disclosure table */
table.schumer{border-collapse:collapse;width:100%;font-size:13.5px;border:1px solid var(--line-strong)}
.schumer th,.schumer td{border:1px solid var(--line-strong);padding:10px 12px;vertical-align:top;text-align:left}
.schumer th{width:36%;font-weight:600;background:var(--surface-2)}

/* ---------- Definition rows ---------- */
.dl{display:grid;grid-template-columns:auto 1fr;gap:9px 16px;font-size:13.5px}
.dl dt{color:var(--muted)}.dl dd{margin:0;text-align:right;font-weight:600;font-variant-numeric:tabular-nums}

/* ---------- Steps (application tracker) ---------- */
.steps{display:flex;gap:0;align-items:stretch}
.step{flex:1;position:relative;padding:0 8px 0 0;min-width:0}
.step .sline{height:3px;background:var(--idle-soft);border-radius:2px;margin-bottom:10px}
.step.done .sline{background:var(--ok)}
.step.now .sline{background:var(--accent)}
.step b{display:block;font-size:13px;color:var(--ink)}
.step span{display:block;font-size:11.5px;color:var(--muted)}
.step.todo b{color:var(--muted)}

/* ---------- Toast ---------- */
.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(20px);opacity:0;background:var(--ink);color:var(--ground);padding:10px 16px;border-radius:10px;font-size:13.5px;box-shadow:var(--shadow);pointer-events:none;transition:all .25s ease;z-index:50}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}

footer.foot{max-width:var(--maxw);margin:26px auto 0;padding:0 20px;color:var(--faint);font-size:12px;line-height:1.6}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .kpis{grid-template-columns:repeat(2,1fr)}
  .shell{grid-template-columns:1fr}
  .snav{position:static;flex-direction:row;flex-wrap:wrap;gap:6px}
  .snav .sec{display:none}
  .snav a{padding:7px 11px;font-size:13px;border:1px solid var(--line);background:var(--surface)}
}
@media (max-width:560px){
  .kpis{grid-template-columns:1fr}
  .kpi .big{font-size:30px}
  .form-grid{grid-template-columns:1fr}
  .steps{flex-wrap:wrap;gap:10px}
  .step{flex:1 1 45%}
}