:root {
  --bg: #f5f6f4;
  --surface: #ffffff;
  --text: #1c2321;
  --muted: #5d6763;
  --border: #dde2df;
  --accent: #1f6f54;
  --accent-contrast: #ffffff;
  --error-bg: #fdecec; --error: #9b1c1c;
  --ok-bg: #e7f5ee;    --ok: #1f6f54;
  --warn-bg: #fff6e0;  --warn: #7a5300;
  --radius: 10px;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #121615; --surface: #1b211f; --text: #e6ebe8; --muted: #9aa5a0; --border: #2c3532;
    --accent: #4fbf93; --accent-contrast: #0c1512;
    --error-bg: #3a1a1a; --error: #ffb4b4; --ok-bg: #16322a; --ok: #8fe0bd; --warn-bg: #362a0e; --warn: #ffd98a;
  }
}

* { box-sizing: border-box; }
body { margin: 0; background: var(--bg); color: var(--text); font: 16px/1.5 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; }
a { color: var(--accent); }
h1 { font-size: 1.6rem; margin: 0 0 .5rem; }
h2 { font-size: 1.1rem; margin: 1.75rem 0 .5rem; }
.muted { color: var(--muted); }
.small { font-size: .875rem; }

.topbar { display: flex; align-items: center; justify-content: space-between; gap: 1rem; flex-wrap: wrap;
  padding: .85rem 1rem; background: var(--surface); border-bottom: 1px solid var(--border); }
.brand { font-weight: 700; text-decoration: none; color: var(--text); }
.topbar nav { display: flex; align-items: center; gap: 1rem; }
.topbar nav form { margin: 0; }

main { padding: 1.5rem 1rem 4rem; }
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; margin: 0 auto; max-width: 760px; }
.card.narrow { max-width: 440px; }
.card.wide { max-width: 1100px; }

.stack { display: flex; flex-direction: column; gap: .9rem; }
.grid2, .grid3 { display: grid; gap: .9rem; grid-template-columns: 1fr; }
@media (min-width: 640px) { .grid2 { grid-template-columns: 1fr 1fr; } .grid3 { grid-template-columns: 2fr 1fr 1fr; } }
.cols { display: grid; gap: 2rem; grid-template-columns: 1fr; }
@media (min-width: 900px) { .cols { grid-template-columns: 1fr 1fr; } }

label { display: flex; flex-direction: column; gap: .3rem; font-weight: 500; font-size: .95rem; }
input, select, textarea { font: inherit; padding: .6rem .7rem; border: 1px solid var(--border); border-radius: 8px;
  background: var(--bg); color: var(--text); width: 100%; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--accent); outline-offset: 1px; }
label.check { flex-direction: row; align-items: flex-start; gap: .6rem; font-weight: 400; font-size: .9rem; }
label.check input { width: auto; margin-top: .25rem; }
form.inline { display: flex; flex-wrap: wrap; gap: .75rem; align-items: flex-end; margin: 1rem 0; }
form.inline label { flex: 1 1 180px; }

button { font: inherit; cursor: pointer; }
button.primary { background: var(--accent); color: var(--accent-contrast); border: 0; border-radius: 8px; padding: .7rem 1.2rem; font-weight: 600; }
button.primary.big { padding: .9rem; font-size: 1.05rem; margin-top: 1rem; }
button.link { background: none; border: 0; color: var(--accent); padding: 0; text-decoration: underline; }
button.link.danger { color: var(--error); }

.alert { border-radius: 8px; padding: .75rem 1rem; margin: .75rem 0; }
.alert p { margin: .2rem 0; }
.alert.error { background: var(--error-bg); color: var(--error); }
.alert.ok { background: var(--ok-bg); color: var(--ok); }
.alert.warn { background: var(--warn-bg); color: var(--warn); }

.tiers { margin: .5rem 0 1.25rem; padding-left: 1.2rem; }
.quote { margin-top: .25rem; }
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: .75rem; margin: .5rem 0; }
@media (min-width: 640px) { .stats { grid-template-columns: repeat(4, 1fr); } }
.stats div { background: var(--bg); border: 1px solid var(--border); border-radius: 8px; padding: .75rem; display: flex; flex-direction: column; }
.stats span { font-size: .8rem; color: var(--muted); }
.stats strong { font-size: 1.25rem; font-variant-numeric: tabular-nums; }
.stats small { font-size: .78rem; color: var(--muted); margin-top: .15rem; }
.stats div.custom { border-color: var(--accent); }
.rate-panel { margin-bottom: 1rem; }
.rate-panel form.inline { margin: .75rem 0 .25rem; }
.rate-panel form.inline label { flex: 0 1 240px; }
details { margin-top: .5rem; }
summary { cursor: pointer; color: var(--accent); font-weight: 500; }

.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; font-size: .92rem; }
th, td { text-align: left; padding: .5rem .6rem; border-bottom: 1px solid var(--border); }
thead th { color: var(--muted); font-weight: 600; font-size: .8rem; text-transform: uppercase; letter-spacing: .03em; }
table.kv th { width: 40%; color: var(--muted); font-weight: 500; }
.score { font-size: 1.4rem; }
code { background: var(--bg); padding: .1rem .35rem; border-radius: 4px; }
code.big { font-size: 1.3rem; letter-spacing: .08em; }

.badge { display: inline-block; font-size: .75rem; font-weight: 600; text-transform: uppercase; padding: .15rem .5rem;
  border-radius: 999px; background: var(--bg); border: 1px solid var(--border); vertical-align: middle; }
.badge.approved { background: var(--ok-bg); color: var(--ok); border-color: transparent; }
.badge.declined { background: var(--error-bg); color: var(--error); border-color: transparent; }
.badge.reviewing { background: var(--warn-bg); color: var(--warn); border-color: transparent; }

/* ── Borrower portal & loans ── */
a.button { display: inline-block; text-decoration: none; background: var(--accent); color: var(--accent-contrast); border-radius: 8px; padding: .7rem 1.2rem; font-weight: 600; }
.loan-list { display: flex; flex-direction: column; gap: .75rem; margin-top: 1rem; }
.loan-card { display: block; text-decoration: none; color: var(--text); border: 1px solid var(--border); border-radius: var(--radius); padding: 1rem; background: var(--bg); }
.loan-card:hover { border-color: var(--accent); }
.loan-card-nums { display: flex; flex-wrap: wrap; gap: 1.5rem; margin-top: .5rem; font-size: .9rem; }
fieldset.choices { border: 1px solid var(--border); border-radius: 8px; padding: .75rem 1rem; margin: 0; display: flex; flex-direction: column; gap: .5rem; }
fieldset.choices input[type=number] { max-width: 200px; margin-left: 1.6rem; }
fieldset.reasons { border: 1px solid var(--border); border-radius: 8px; padding: .75rem 1rem; margin: 0; display: flex; flex-direction: column; gap: .35rem; }
pre.notice { white-space: pre-wrap; font-size: .8rem; background: var(--bg, transparent); border: 1px solid var(--border); border-radius: 8px; padding: .75rem 1rem; max-height: 24rem; overflow: auto; }
.pay-form { max-width: 520px; }
.narrow-form { max-width: 520px; }
.tiny-form { display: flex; flex-wrap: wrap; gap: .35rem; align-items: center; margin: 0; }
.tiny-form input { width: auto; padding: .3rem .4rem; font-size: .85rem; }
.tiny-form input[name=note] { width: 150px; }
code.wrap { word-break: break-all; display: inline-block; margin-top: .25rem; }
tr.st-late td, tr.st-default td { color: var(--error); }
tr.st-paid td, tr.st-closed td { color: var(--muted); }
.badge.offered, .badge.signed { background: var(--warn-bg); color: var(--warn); border-color: transparent; }
.badge.funded { background: var(--ok-bg); color: var(--ok); border-color: transparent; }
.badge.paid_off { background: var(--bg); }
.badge.cancelled { background: var(--error-bg); color: var(--error); border-color: transparent; }

.hint-error { color: var(--error) !important; font-weight: 600; }

.demo-banner { background: #b45309; color: #fff; text-align: center; font-weight: 600; font-size: .9rem; padding: .5rem 1rem; }

.demo-actions { display: flex; gap: 1.25rem; align-items: center; flex-wrap: wrap; margin: 1rem 0; }
.inline-form { margin: 0; }

/* ── Two-step login ── */
.steps { padding-left: 1.25rem; }
.steps li { margin-bottom: .75rem; }
.qr { background: #fff; display: inline-block; padding: .5rem; border-radius: 8px; margin: .5rem 0; line-height: 0; }
.qr svg { width: 220px; height: 220px; }
ul.codes { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .5rem; }
ul.codes code { font-size: 1.05rem; letter-spacing: .05em; }

/* ── Demo guided tour ── */
.demo-banner a { color: #fff; text-decoration: underline; margin-left: .5rem; white-space: nowrap; }
.tour .eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; color: var(--accent); font-weight: 700; margin: 0; }
.tour .lead { font-size: 1.1rem; max-width: 70ch; }
.tour-grid { display: grid; gap: 1rem; grid-template-columns: 1fr; margin-top: 1.5rem; }
@media (min-width: 800px) { .tour-grid { grid-template-columns: 1fr 1fr; } }
.tour-card { border: 1px solid var(--border); border-radius: var(--radius); padding: 1.25rem; background: var(--bg); display: flex; flex-direction: column; gap: .5rem; }
.tour-card h2 { margin: 0; }
.tour-card p { margin: 0; }
.tour-card .button { align-self: flex-start; margin-top: auto; }
.tour-list { margin: 0; padding-left: 1.1rem; }
.tour-list li { margin: .3rem 0; }

.ok-text { color: var(--ok); }
.bad-text { color: var(--error); }
a.button.small-button { font-size: .85rem; padding: .35rem .75rem; vertical-align: middle; margin-left: .5rem; }

@media (min-width: 800px) { .tour-card.tour-wide { grid-column: 1 / -1; } }

/* ── Home page: how it works ── */
ol.how { list-style: none; padding: 0; margin: .75rem 0 0; display: grid; gap: .75rem; grid-template-columns: 1fr; counter-reset: step; }
@media (min-width: 800px) { ol.how { grid-template-columns: repeat(3, 1fr); } }
ol.how li { counter-increment: step; border: 1px solid var(--border); border-radius: var(--radius); padding: 1rem 1rem 1rem 3.25rem; position: relative; display: flex; flex-direction: column; gap: .25rem; }
ol.how li::before { content: counter(step); position: absolute; left: 1rem; top: 1rem; width: 1.6rem; height: 1.6rem; border-radius: 50%;
  background: var(--accent); color: var(--accent-contrast); font-weight: 700; display: grid; place-items: center; font-size: .9rem; }
ol.how span { color: var(--muted); font-size: .92rem; }

details.replan { border: 1px solid var(--border); border-radius: 8px; padding: .5rem 1rem; margin: .75rem 0; }
details.replan[open] { padding-bottom: 1rem; }

input.inline-num { width: 7.5rem; display: inline-block; padding: .3rem .45rem; margin: 0 .25rem; }
.small-link { margin-left: 1rem; font-size: .9rem; }
table.custom-plan input { max-width: 12rem; }

.account-box { border: 1px solid var(--border); border-radius: 8px; padding: .6rem 1rem; margin: .75rem 0; display: flex; flex-wrap: wrap; gap: .5rem; align-items: center; }
.flash-link { word-break: break-all; }

.alert p { overflow-wrap: anywhere; }

/* ── Phone-friendly navigation ── */
.topbar nav a { text-decoration: none; font-weight: 500; }
.topbar nav a:hover { text-decoration: underline; }
.nav-mobile { display: none; position: relative; }
.nav-mobile summary { list-style: none; cursor: pointer; font-weight: 600; padding: .4rem .8rem; border: 1px solid var(--border); border-radius: 8px; }
.nav-mobile summary::-webkit-details-marker { display: none; }
.nav-mobile nav { position: absolute; right: 0; top: calc(100% + .4rem); z-index: 20; min-width: 12rem; background: var(--surface);
  border: 1px solid var(--border); border-radius: 10px; box-shadow: 0 6px 18px rgba(0,0,0,.15); padding: .35rem;
  display: flex; flex-direction: column; gap: 0; align-items: stretch; }
.nav-mobile nav a, .nav-mobile nav button.link { display: block; padding: .7rem .8rem; border-radius: 6px; text-align: left; width: 100%; text-decoration: none; }
.nav-mobile nav a:hover, .nav-mobile nav button.link:hover { background: var(--bg); }
.nav-mobile nav form { margin: 0; }
@media (max-width: 760px) {
  .nav-wide { display: none !important; }
  .nav-mobile { display: block; }
  .topbar { flex-wrap: nowrap; }
}

/* ── Tables become labeled cards on phones (labels filled in by app.js from the table headers) ── */
@media (max-width: 640px) {
  table.rtable thead { display: none; }
  table.rtable, table.rtable tbody, table.rtable tfoot, table.rtable tr, table.rtable td, table.rtable tfoot th { display: block; width: 100%; }
  table.rtable tr { border: 1px solid var(--border); border-radius: 10px; padding: .45rem .8rem; margin-bottom: .6rem; background: var(--surface); }
  table.rtable td, table.rtable tfoot th { display: flex; justify-content: space-between; align-items: center; gap: 1rem; border: 0; padding: .3rem 0; text-align: right; }
  table.rtable td::before { content: attr(data-label); color: var(--muted); font-size: .75rem; font-weight: 600; text-transform: uppercase; letter-spacing: .03em; text-align: left; flex: 0 0 auto; }
  table.rtable td[data-label=""]::before { content: none; }
  table.rtable td[data-label=""] { justify-content: flex-end; }
  table.rtable td form { margin: 0; }
  table.rtable .tiny-form { justify-content: flex-end; }
  .table-wrap { overflow-x: visible; }
  .card { padding: 1.1rem; }
  main { padding: 1rem .75rem 3rem; }
  h1 { font-size: 1.4rem; }
}

.demo-banner.practice { background: #6b21a8; }

tr.unassigned-row td { background: var(--bg); }

/* View-only visitors */
.demo-banner.viewing { background: #1d4ed8; }
.view-only main form :is(button, input, select, textarea):disabled { opacity: .55; cursor: not-allowed; }
details.row-edit summary { cursor: pointer; color: var(--accent); }
details.row-edit[open] { min-width: 16rem; }
details.row-edit form { margin-top: .5rem; }

/* Footer links and policy pages */
.site-footer { text-align: center; font-size: .85rem; color: var(--muted); padding: 0 1rem 2rem; }
.site-footer a { color: var(--muted); }
.policy { max-width: 46rem; margin-inline: auto; }
.policy h2 { font-size: 1.1rem; margin-top: 1.5rem; }
.policy li { margin-bottom: .35rem; }