/* BankDeclined.com · structural clone of the loancater.com homepage pattern, Bank Declined brand */
:root {
  --royal: #1E4D3C; --royal-deep: #153A2D; --ink: #14212B; --white: #FFFFFF;
  --mist: #EEF3F0; --mist2: #F5F8F6; --red: #B8452B; --muted: #5B6670;
  --hair: #E4E9E6; --navy: #0F2A22;
  --head: "Poppins", "Helvetica Neue", sans-serif;
  --body: "Rubik", "Helvetica Neue", sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--body); color: var(--muted); background: var(--white);
  line-height: 1.7; font-size: 16px; -webkit-font-smoothing: antialiased; }
h1, h2, h3 { font-family: var(--head); color: var(--ink); }
img { max-width: 100%; display: block; }
.wrap { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

/* ===== top utility bar ===== */
.topbar { background: var(--white); border-bottom: 1px solid var(--hair); }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; padding: 10px 0;
  font-size: 13px; color: var(--muted); }
.topbar .t-item { display: inline-flex; align-items: center; gap: 8px; }
.topbar .t-item svg { color: var(--royal); }

/* ===== floating nav ===== */
.navwrap { padding: 20px 0 0; position: relative; z-index: 20; }
.navcard { display: flex; align-items: center; justify-content: space-between; gap: 18px;
  background: var(--white); border-radius: 16px; padding: 14px 22px;
  box-shadow: 0 12px 34px rgba(19, 69, 99, 0.10); }
.nav-logo { height: 48px; }
.navlinks { display: flex; gap: 26px; font-size: 14.5px; font-weight: 500; }
.navlinks a { color: var(--ink); text-decoration: none; }
.navlinks a:hover { color: var(--royal); }
@media (max-width: 900px) { .navlinks { display: none; } }

.pill { display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(180deg, #1D8ACE 0%, var(--royal) 55%, var(--royal-deep) 100%);
  color: var(--white); text-decoration: none; font-size: 15px; font-weight: 600;
  font-family: var(--head); padding: 12px 26px; border-radius: 999px; white-space: nowrap;
  border: none; cursor: pointer; transition: filter 0.15s ease; }
.pill:hover { filter: brightness(1.06); }
.pill-lg { font-size: 16px; padding: 15px 34px; }
.pill-caps { text-transform: uppercase; letter-spacing: 0.04em; font-size: 14.5px; }

/* ===== hero ===== */
.hero { position: relative; overflow: hidden; text-align: center; padding: 60px 0 90px;
  background: radial-gradient(ellipse 120% 90% at 50% -10%, var(--mist) 0%, rgba(234, 244, 251, 0.35) 45%, var(--white) 78%); }
.hero .ring { position: absolute; border: 1.5px dashed #B9D7EC; border-radius: 50%; pointer-events: none; }
.ring-l { width: 640px; height: 640px; left: -230px; top: 90px; }
.ring-r { width: 720px; height: 720px; right: -280px; top: 30px; }
.hero .wm { position: absolute; color: var(--royal); opacity: 0.08; pointer-events: none; }
.hero .squig { position: absolute; left: 12%; top: 58%; color: var(--royal); opacity: 0.6; }
.hero h1 { font-size: clamp(38px, 5.6vw, 58px); line-height: 1.12; font-weight: 700;
  letter-spacing: -0.01em; margin: 44px auto 20px; max-width: 22ch; }
.hero h1 em { font-style: normal; color: var(--royal); text-transform: uppercase; }
.hero .sub { font-size: 17px; color: var(--muted); max-width: 62ch; margin: 0 auto 28px; }
.trust { display: flex; justify-content: center; align-items: center; gap: 0; margin: 34px 0 40px; flex-wrap: wrap; }
.trust > div { padding: 0 30px; text-align: left; }
.trust > div + div { border-left: 3px solid var(--royal); }
.trust b { display: block; font-family: var(--head); font-size: 22px; color: var(--ink);
  font-variant-numeric: tabular-nums; }
.trust span { font-size: 13px; color: var(--muted); }

/* hero form card (styled like a native first step; opens the Typeform popup) */
.formcard { max-width: 640px; margin: 0 auto; background: var(--white); border-radius: 24px;
  box-shadow: 0 30px 70px rgba(19, 69, 99, 0.16); padding: 34px 40px 30px; text-align: left;
  position: relative; }
.progress { height: 6px; border-radius: 3px; background: #E6EEF4; margin-bottom: 28px; overflow: hidden; }
.progress span { display: block; height: 100%; width: 40%; border-radius: 3px; background: var(--royal); }
.f-label { display: block; font-family: var(--head); font-size: 16.5px; font-weight: 600;
  color: var(--ink); margin-bottom: 10px; }
.fake-select, .f-input { display: flex; justify-content: space-between; align-items: center; gap: 12px;
  border: 1px solid #DFE7ED; border-radius: 10px; padding: 15px 18px; font-size: 15px;
  color: #93A1AC; cursor: pointer; background: var(--white); width: 100%;
  font-family: var(--body); transition: border-color 0.15s ease; }
.fake-select:hover, .f-input:hover { border-color: var(--royal); }
.f-input { cursor: text; margin-top: 18px; }
.f-next { display: block; width: 100%; margin-top: 22px; text-align: center; justify-content: center;
  border-radius: 12px; font-size: 16px; padding: 15px 20px; }
.form-micro { text-align: center; font-size: 12.5px; color: var(--muted); margin: 14px 0 0; }


/* ===== qualify strip ===== */
.qualify { background: var(--mist2); border-top: 1px solid var(--hair); border-bottom: 1px solid var(--hair);
  padding: 26px 0; }
.q-items { display: flex; justify-content: center; align-items: center; gap: 38px; flex-wrap: wrap; }
.q-lead { font-family: var(--head); font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--muted); font-weight: 600; }
.q-item { display: inline-flex; align-items: center; gap: 10px; font-family: var(--head);
  font-size: 15px; color: var(--ink); font-weight: 500; }
.q-item .qc { flex: none; width: 22px; height: 22px; border-radius: 50%; background: var(--royal);
  color: var(--white); display: inline-flex; align-items: center; justify-content: center; font-size: 12px; }

/* ===== section scaffolding ===== */
.section { padding: 110px 0 0; }
.section-head { text-align: center; max-width: 820px; margin: 0 auto 44px; position: relative; }
.section-head h2 { font-size: clamp(27px, 3.6vw, 38px); line-height: 1.22; margin: 0 0 10px;
  font-weight: 700; text-wrap: balance; }
.h2-logo { height: 1.25em; vertical-align: -0.26em; display: inline-block; margin: 0 3px; }
.eyebrow { display: block; font-family: var(--head); font-size: 12.5px; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--royal); font-weight: 600; margin-bottom: 12px; }
.section-head h2 em { font-style: normal; color: var(--royal); }
.section-head .sub { font-size: 16.5px; color: var(--muted); margin: 0; }
.doodle { position: absolute; left: -34px; top: -18px; color: var(--royal); opacity: 0.5; }

/* ===== benefit cards ===== */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 26px; }
.card { border: 1px solid var(--hair); border-radius: 16px; padding: 42px 30px; text-align: center;
  background: var(--white); }
.card .ico { color: var(--royal); margin: 0 auto 16px; width: 44px; height: 44px; }
.card h3 { font-size: 18px; margin: 0 0 8px; color: var(--royal); font-weight: 600; }
.card p { font-size: 14.5px; color: var(--muted); margin: 0; }

/* ===== centered photo + statement ===== */
.photo-center { max-width: 520px; margin: 0 auto; border-radius: 18px; overflow: hidden;
  box-shadow: 0 24px 60px rgba(19, 69, 99, 0.14); }
.photo-center img { width: 100%; height: 420px; object-fit: cover; filter: saturate(0.72) contrast(1.03); }
.statement { text-align: center; padding-top: 64px; }
.statement h2 { font-size: clamp(28px, 4vw, 42px); line-height: 1.2; font-weight: 700;
  max-width: 24ch; margin: 0 auto 18px; text-wrap: balance; }
.statement .lead { font-size: 17px; font-weight: 600; color: var(--ink); margin: 0 0 8px;
  font-family: var(--head); }
.statement .quiet { font-size: 15.5px; color: var(--muted); margin: 0 0 30px; }

/* ===== two-column blocks ===== */
.twocol { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.twocol h2 { font-size: clamp(26px, 3.4vw, 36px); margin: 0 0 16px; font-weight: 700; position: relative; }
.twocol p { font-size: 15.5px; color: var(--muted); margin: 0 0 18px; }
.twocol p b { color: var(--ink); }
.twocol ol { margin: 0; padding-left: 22px; display: flex; flex-direction: column; gap: 18px; }
.twocol ol li { font-size: 15.5px; color: var(--muted); }
.twocol ol b { color: var(--ink); }
.twocol .photo { border-radius: 18px; overflow: hidden; box-shadow: 0 24px 60px rgba(19, 69, 99, 0.14); }
.twocol .photo img { width: 100%; height: 440px; object-fit: cover; filter: saturate(0.72) contrast(1.03); }
@media (max-width: 860px) { .twocol { grid-template-columns: 1fr; gap: 36px; } }

/* ===== speed section ===== */
.speed-list { max-width: 860px; margin: 0 auto; }
.sp-row { display: grid; grid-template-columns: 210px 1fr 110px; gap: 20px; align-items: center;
  padding: 16px 0; border-bottom: 1px solid var(--hair); }
.sp-row b { font-family: var(--head); font-size: 15px; color: var(--ink); font-weight: 600; }
.sp-bar { height: 8px; border-radius: 4px; background: #E6EEF4; position: relative; overflow: hidden; }
.sp-bar span { position: absolute; top: 0; bottom: 0; left: 0; width: var(--w);
  border-radius: 4px; background: linear-gradient(90deg, var(--royal), #2E97DB); }
.sp-time { font-size: 13.5px; color: var(--muted); text-align: right; font-variant-numeric: tabular-nums; }
.speed-note { text-align: center; font-size: 12.5px; color: #93A1AC; margin: 22px 0 0; }
@media (max-width: 640px) { .sp-row { grid-template-columns: 1fr; gap: 8px; } .sp-time { text-align: left; } }

/* ===== placements (their carousel slot) ===== */
.tombs { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 26px; }
.tomb { border: 1px solid var(--hair); border-radius: 16px; padding: 30px 28px; background: var(--white);
  display: flex; flex-direction: column; gap: 9px; }
.stamp { display: inline-block; text-transform: uppercase; font-weight: 700; letter-spacing: 0.05em;
  font-family: var(--head); border: 2.5px solid var(--white); border-radius: 5px; line-height: 1;
  color: var(--white); box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, 0.32); }
.stamp-red { background: var(--red); }
.stamp-blue { background: var(--royal); }
.tomb .stamp { align-self: flex-start; font-size: 12px; padding: 4px 10px 6px; transform: rotate(2deg); margin-bottom: 8px; }
.tomb:nth-child(2) .stamp { transform: rotate(-2deg); }
.tomb .trade { font-size: 12px; letter-spacing: 0.07em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.tomb .amt { font-family: var(--head); font-size: 30px; font-weight: 700; color: var(--ink);
  font-variant-numeric: tabular-nums; }
.tomb p { font-size: 14px; color: var(--muted); margin: 0; }
.tomb .days { font-size: 12.5px; color: var(--royal); font-weight: 600; }
.dots { display: flex; justify-content: center; gap: 8px; margin-top: 34px; }
.dots i { width: 8px; height: 8px; border-radius: 50%; background: #D3DEE6; }
.dots i.on { background: var(--royal); }

/* ===== institutional stat band ===== */
.statband { background: linear-gradient(180deg, #12365A 0%, #0F2D4C 100%); margin-top: 110px;
  padding: 60px 0 54px; }
.statband-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 30px; text-align: center; }
.statband b { display: block; font-family: var(--head); font-size: 36px; font-weight: 700;
  color: var(--white); font-variant-numeric: tabular-nums; line-height: 1.15; }
.statband span { font-size: 13px; color: #9DB4C7; }
.statband .sig { text-align: center; margin: 38px 0 0; font-size: 11.5px; letter-spacing: 0.16em;
  text-transform: uppercase; color: #7E97AB; font-family: var(--head); }

/* ===== pre-footer CTA band ===== */
.ctaband { margin-top: 110px; }
.ctaband-inner { position: relative; background: var(--mist); border-radius: 20px; text-align: center;
  padding: 78px 28px; overflow: hidden; }
.ctaband-inner .line { font-family: var(--head); font-size: clamp(17px, 2.4vw, 22px); font-weight: 500;
  color: var(--ink); margin: 0 0 26px; }
.ctaband-inner .badge { position: absolute; left: 30px; bottom: 24px; display: inline-flex;
  align-items: center; gap: 9px; font-family: var(--head); font-size: 15px; font-weight: 700; color: #7B5EA7; }
.ctaband-inner .badge i { display: inline-flex; width: 30px; height: 30px; border-radius: 50%;
  background: #7B5EA7; color: var(--white); font-style: normal; align-items: center;
  justify-content: center; font-size: 14px; }
.ctaband .spark { position: absolute; font-size: 22px; }
.ctaband .sp-b { color: var(--royal); }
.ctaband .sp-y { color: #E8B23A; }
.ctaband .dash-arc { position: absolute; right: 46px; bottom: 40px; width: 210px; height: 90px;
  border-top: 1.6px dashed #8FBEDD; border-radius: 100% 100% 0 0 / 200% 200% 0 0; opacity: 0.85; }

/* ===== footer (institutional navy) ===== */
.footer { padding: 70px 0 50px; background: linear-gradient(180deg, #12365A 0%, #0E2A47 100%); }
/* Slim footer, 2026-08-06. Replaces the four-column .footer-grid on index.html:
   logo on the left, one Apply on the right, legal underneath. The .footer-grid
   rules below are kept because the outcome pages still use that shell. */
.footer-cta { display: flex; align-items: center; justify-content: space-between;
  gap: 24px; flex-wrap: wrap; padding-bottom: 8px; }
@media (max-width: 620px) { .footer-cta { justify-content: center; text-align: center; } }

.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 44px; align-items: start; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 34px; } }
.f-contact { display: flex; flex-direction: column; gap: 20px; }
.f-row { display: flex; align-items: flex-start; gap: 14px; }
.f-row .fico { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--royal);
  color: var(--white); display: flex; align-items: center; justify-content: center; }
.f-row b { display: block; font-family: var(--head); font-size: 14.5px; color: var(--white); font-weight: 600; }
.f-row span { font-size: 13.5px; color: #A9BCCC; }
.footer h4 { font-family: var(--head); font-size: 16px; color: var(--white); margin: 0 0 16px; font-weight: 600; }
.f-list { list-style: none; padding: 0; margin: 0; }
.f-list li { margin-bottom: 11px; }
.f-list li, .f-list a { font-size: 14px; color: #A9BCCC; text-decoration: none; }
.f-list a:hover { color: var(--white); }
.fineprint { margin-top: 46px; border-top: 1px solid rgba(255, 255, 255, 0.14); padding-top: 22px; }
.fineprint p { font-size: 11.5px; color: #7E97AB; margin: 0 0 8px; max-width: 100ch; }
.footer .f-brandimg { height: 34px; margin-bottom: 6px; border-radius: 6px; }
.copybar { background: var(--royal); color: var(--white); }
.copybar .wrap { display: flex; justify-content: space-between; align-items: center;
  padding-top: 16px; padding-bottom: 16px; }
.copybar span { font-family: var(--head); font-size: 12.5px; letter-spacing: 0.06em; font-weight: 500; }

/* ===== outcome pages ===== */
.outcome { min-height: 70vh; display: flex; align-items: center; }
.outcome-card { max-width: 580px; margin: 0 auto; text-align: center; padding: 70px 20px; }
.outcome-card .stamp { font-size: 22px; padding: 8px 18px 11px; transform: rotate(2deg); margin-bottom: 26px; }
.outcome-card h1 { font-size: 32px; margin: 0 0 14px; font-weight: 700; }
.outcome-card p { font-size: 15.5px; color: var(--muted); margin: 0 0 10px; }

/* ===== legal pages (privacy, terms) =====
   Added 2026-08-05. Scoped to .legal so nothing on the funnel pages is
   touched. Long-form prose needs a much narrower measure than the
   marketing pages use, and body copy goes to --ink rather than --muted
   because a legal page has to be comfortably readable, not quiet. */
.legal { max-width: 760px; margin: 0 auto; padding: 64px 24px 88px; }
.legal h1 { font-size: 38px; font-weight: 700; margin: 0 0 6px; line-height: 1.2; }
.legal .updated { font-size: 14px; color: var(--muted); margin: 0 0 34px; }
.legal h2 { font-size: 21px; font-weight: 600; margin: 38px 0 12px; line-height: 1.35; }
.legal p { font-size: 16px; line-height: 1.75; color: var(--ink); margin: 0 0 14px; }
.legal ul { margin: 0 0 16px; padding-left: 22px; }
.legal li { font-size: 16px; line-height: 1.75; color: var(--ink); margin-bottom: 8px; }
.legal a { color: var(--royal); }
.legal .note { font-size: 14px; color: var(--muted); border-top: 1px solid var(--hair);
  padding-top: 18px; margin-top: 34px; }
/* /file-open only: the assessment calendar sitting under the outcome copy.
   The card is 580px, which squeezes a month view into something unusable, so
   the embed breaks out of it rather than the card getting wider and throwing
   off the other four outcome pages that share these styles. */
.cal-lede {
  margin-top: 34px !important; font-family: var(--head); font-weight: 600;
  font-size: 15px; color: var(--ink) !important;
}
.cal-embed {
  position: relative; left: 50%; transform: translateX(-50%);
  width: min(900px, 92vw); margin-top: 16px; min-height: 620px;
}
.nav { border-bottom: 1px solid var(--hair); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 16px 0; }
.nav-tag { font-size: 10.5px; letter-spacing: 0.08em; color: var(--muted); }

@media (max-width: 640px) {
  .section { padding: 70px 0 0; }
  .trust > div { padding: 0 16px; }
  .ctaband-inner .badge { position: static; margin-top: 22px; justify-content: center; display: flex; }
  .formcard { padding: 26px 22px 22px; }
}

/* =========================================================================
   MCA FUNNEL: native multi-step form (added 2026-08-18)
   Replaces the Typeform popup. The old .formcard teaser styles above are
   reused for the shell so the hero keeps its existing weight; everything
   below is the real form.
   ========================================================================= */

.step { display: none; }
.step.is-active { display: block; animation: stepin 0.22s ease; }
@keyframes stepin { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.step-count { font-size: 12.5px; letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--muted); margin-bottom: 8px; font-family: var(--head); font-weight: 600; }
.step h3 { font-size: 21px; line-height: 1.3; margin: 0 0 6px; font-weight: 600; }
.step .hint { font-size: 14px; color: var(--muted); margin: 0 0 20px; }

/* tap-to-advance choices */
.choices { display: grid; gap: 10px; }
.choice { display: flex; align-items: center; justify-content: space-between; gap: 12px;
  width: 100%; text-align: left; font-family: var(--body); font-size: 15.5px; color: var(--ink);
  background: var(--white); border: 1.5px solid #DFE7ED; border-radius: 12px;
  padding: 15px 18px; cursor: pointer; transition: border-color .12s ease, background .12s ease; }
.choice:hover { border-color: var(--royal); background: var(--mist2); }
.choice[aria-pressed="true"] { border-color: var(--royal); background: var(--mist2); font-weight: 500; }
.choice .tick { color: var(--royal); opacity: 0; }
.choice[aria-pressed="true"] .tick { opacity: 1; }

/* typed fields */
.field { margin-bottom: 14px; }
.field label { display: block; font-size: 13.5px; font-weight: 500; color: var(--ink); margin-bottom: 6px; }
.field input, .field select {
  width: 100%; font-family: var(--body); font-size: 15.5px; color: var(--ink);
  border: 1.5px solid #DFE7ED; border-radius: 10px; padding: 14px 16px; background: var(--white);
  transition: border-color .12s ease; }
.field input:focus, .field select:focus { outline: none; border-color: var(--royal); }
.field input[aria-invalid="true"] { border-color: var(--red); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 520px) { .field-row { grid-template-columns: 1fr; } }
.err { color: var(--red); font-size: 13px; margin: 8px 0 0; display: none; }
.err.show { display: block; }

/* consent */
.consent { display: flex; gap: 11px; align-items: flex-start; margin-top: 16px; }
.consent input { margin: 3px 0 0; width: 17px; height: 17px; flex: none; accent-color: var(--royal); }
.consent span { font-size: 12.5px; line-height: 1.55; color: var(--muted); }

/* upload */
.drop { border: 2px dashed #C7D8E5; border-radius: 14px; background: var(--mist2);
  padding: 28px 20px; text-align: center; cursor: pointer; transition: border-color .12s ease; }
.drop:hover, .drop.is-over { border-color: var(--royal); }
.drop strong { display: block; font-family: var(--head); color: var(--ink); font-size: 15.5px; margin-bottom: 4px; }
.drop span { font-size: 13px; color: var(--muted); }
.filelist { list-style: none; padding: 0; margin: 14px 0 0; display: grid; gap: 7px; }
.filelist li { display: flex; align-items: center; justify-content: space-between; gap: 10px;
  font-size: 13.5px; color: var(--ink); background: var(--white); border: 1px solid var(--hair);
  border-radius: 9px; padding: 9px 13px; }
.filelist button { border: none; background: none; color: var(--muted); cursor: pointer; font-size: 17px; line-height: 1; }
.filelist .sz { color: var(--muted); font-variant-numeric: tabular-nums; }
.skiplink { display: block; width: 100%; text-align: center; margin-top: 14px; background: none;
  border: none; font-family: var(--body); font-size: 13.5px; color: var(--muted);
  text-decoration: underline; cursor: pointer; }

/* nav row */
.step-nav { display: flex; align-items: center; gap: 12px; margin-top: 20px; }
.back { border: none; background: none; font-family: var(--body); font-size: 14px;
  color: var(--muted); cursor: pointer; padding: 8px 4px; }
.back:hover { color: var(--ink); }
.step-nav .pill { flex: 1; justify-content: center; }
.pill[disabled] { opacity: .55; cursor: not-allowed; filter: none; }

.formnote { font-size: 12px; color: var(--muted); text-align: center; margin: 16px 0 0; line-height: 1.5; }

/* qualifier strip */
.quals { display: flex; justify-content: center; gap: 0; flex-wrap: wrap; margin: 0 0 6px; }
.quals div { padding: 0 22px; font-size: 14px; color: var(--ink); display: flex; align-items: center; gap: 8px; }
.quals div + div { border-left: 1px solid var(--hair); }
.quals svg { color: var(--royal); flex: none; }
@media (max-width: 720px) { .quals div { padding: 6px 14px; } .quals div + div { border-left: none; } }

/* honesty block */
.honest { background: var(--ink); color: #C9D4DB; border-radius: 20px; padding: 40px 44px; }
.honest h2 { color: var(--white); font-size: 26px; margin: 0 0 20px; }
.honest ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 15px; }
.honest li { display: flex; gap: 12px; align-items: flex-start; font-size: 15.5px; line-height: 1.6; }
.honest li svg { color: var(--royal); flex: none; margin-top: 4px; }
@media (max-width: 640px) { .honest { padding: 30px 24px; } }

/* verticals */
.verts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
@media (max-width: 940px) { .verts { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .verts { grid-template-columns: 1fr; } }
.vert { background: var(--white); border: 1px solid var(--hair); border-radius: 16px; padding: 22px;
  transition: box-shadow .15s ease, border-color .15s ease; }
.vert:hover { border-color: #CFE2F0; box-shadow: 0 14px 34px rgba(19,69,99,.09); }
.vert b { display: block; font-family: var(--head); color: var(--ink); font-size: 16px; margin-bottom: 6px; }
.vert p { margin: 0 0 14px; font-size: 14px; }
.vert a { font-size: 14px; font-weight: 500; color: var(--royal); text-decoration: none; }

/* ===== added 2026-08-19 with the 10-screen rebuild ===== */

/* choice rows that carry a description under the label (Business Loan Wizard pattern:
   people do not know their credit score, but they recognise their situation) */
.choice-desc { align-items: flex-start; padding: 14px 18px; }
.choice-desc > span:first-child { display: block; }
.choice-desc b { display: block; font-family: var(--head); font-size: 15.5px; color: var(--ink); margin-bottom: 3px; }
.choice-desc em { display: block; font-style: normal; font-size: 13px; color: var(--muted); line-height: 1.45; }

/* confirmation playback */
.playback { list-style: none; padding: 0; margin: 0 0 4px; display: grid; gap: 8px; }
.playback li { display: flex; justify-content: space-between; gap: 14px; align-items: baseline;
  border: 1px solid var(--hair); border-radius: 10px; padding: 12px 15px; font-size: 14.5px; }
.playback li span:first-child { color: var(--muted); font-size: 13px; }
.playback li span:last-child { color: var(--ink); font-weight: 500; text-align: right; }

/* resume banner */
.resume-banner { max-width: 640px; margin: 0 auto 14px; background: var(--mist2);
  border: 1px solid #CFE2F0; border-radius: 14px; padding: 15px 20px; text-align: left; }
.resume-banner b { display: block; font-family: var(--head); color: var(--ink); font-size: 15.5px; margin-bottom: 3px; }
.resume-banner span { font-size: 13.5px; color: var(--muted); }

/* processing overlay */
.processing { position: fixed; inset: 0; z-index: 60; background: rgba(255,255,255,.97);
  display: flex; align-items: center; justify-content: center; padding: 24px; }
.proc-card { text-align: center; max-width: 420px; }
.proc-card h3 { font-size: 22px; margin: 0 0 8px; }
.proc-card p { font-size: 14.5px; color: var(--muted); margin: 0 0 22px; }
.proc-bar { height: 8px; border-radius: 4px; background: #E6EEF4; overflow: hidden; }
.proc-bar span { display: block; height: 100%; width: 0%; border-radius: 4px;
  background: var(--royal); transition: width .4s ease; }

/* ===== merchant application (added 2026-08-20) ===== */
.appcard { background: var(--white); border-radius: 20px; box-shadow: 0 24px 60px rgba(19,69,99,.14);
  padding: 30px 34px 28px; text-align: left; margin-top: 22px; }
@media (max-width: 640px) { .appcard { padding: 22px 18px 20px; } }
.asec { display: none; }
.asec.is-active { display: block; animation: stepin .22s ease; }
.field-row3 { display: grid; grid-template-columns: 2fr 1.2fr 1fr; gap: 12px; }
@media (max-width: 560px) { .field-row3 { grid-template-columns: 1fr; } }
.opt { color: var(--muted); font-weight: 400; font-size: 12px; }
.secure { font-size: 12px; color: var(--muted); margin: 7px 0 0; line-height: 1.5;
  padding-left: 20px; position: relative; }
.secure::before { content: "\1F512"; position: absolute; left: 0; top: 0; font-size: 12px; }

/* repeating position rows */
.posrow { border: 1px solid var(--hair); border-radius: 12px; padding: 15px 16px 4px; margin-bottom: 12px;
  position: relative; background: var(--mist2); }
.posrow .rm { position: absolute; top: 9px; right: 11px; border: none; background: none;
  color: var(--muted); cursor: pointer; font-size: 19px; line-height: 1; }
.posrow .n { font-family: var(--head); font-size: 12.5px; font-weight: 600; color: var(--royal);
  text-transform: uppercase; letter-spacing: .05em; margin: 0 0 10px; }
.addrow { width: 100%; border: 1.5px dashed #C7D8E5; background: none; border-radius: 12px;
  padding: 13px; font-family: var(--body); font-size: 14.5px; color: var(--royal); cursor: pointer; }
.addrow:hover { border-color: var(--royal); background: var(--mist2); }

.authbox { border: 1px solid var(--hair); border-radius: 14px; padding: 18px 20px 6px; margin-top: 22px; }
.authbox .consent { margin-bottom: 14px; }
.authbox .consent span { font-size: 12.5px; }

/* signature pad */
.sigwrap { position: relative; border: 1.5px solid #DFE7ED; border-radius: 12px; overflow: hidden;
  background: var(--white); }
.sigwrap canvas { display: block; width: 100%; height: 180px; touch-action: none; cursor: crosshair; }
.sigclear { position: absolute; top: 8px; right: 10px; border: 1px solid var(--hair);
  background: var(--white); border-radius: 8px; font-family: var(--body); font-size: 12.5px;
  color: var(--muted); padding: 5px 11px; cursor: pointer; }
.sigwrap::after { content: ""; position: absolute; left: 24px; right: 24px; bottom: 46px;
  border-bottom: 1px dashed #C7D8E5; pointer-events: none; }