:root{--serif:"Source Sans 3","Helvetica Neue",Helvetica,Arial,sans-serif}
/* Borrower portal */
.login-page{background:var(--paper);min-height:100vh;display:flex;align-items:center;justify-content:center;padding:24px}
.login{width:100%;max-width:480px}
.login-brand img{height:64px;margin:0 auto 22px}
.login-card{background:#fff;border:1px solid var(--line-2);padding:34px 36px 30px}
.login-card h1{font-size:30px;margin-bottom:10px}
.login-card .lead{font-size:15px;margin-bottom:22px}
.login-card .f{margin-bottom:16px}
.login-foot{text-align:center;margin-top:18px}
.err{color:#B42318;font-size:14px;margin-top:12px;min-height:18px}
.devbox{margin-top:16px;background:#FFF6E0;border:1px solid #F1D9A0;padding:10px 12px;font-size:13px;color:#6B4E0B}
.devbox code{font-size:18px;letter-spacing:.2em;font-weight:600}
/* app shell */
.app{display:grid;grid-template-columns:240px 1fr;min-height:100vh;background:var(--paper)}
.side{background:var(--navy-d);color:#fff;padding:22px 20px;display:flex;flex-direction:column}
.side .brand img{height:56px}
.side .who{margin:22px 0 18px;padding:14px 0;border-top:1px solid rgba(255,255,255,.14);border-bottom:1px solid rgba(255,255,255,.14)}
.side .who b{display:block;font-weight:500;font-size:14px}.side .who span{font-size:12.5px;color:#AEBBDA}
.side .lbl{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#AFC0D8;margin:12px 0 8px;font-weight:500}
.side .loans a{display:block;padding:9px 10px;border-radius:2px;color:#DCE2F0;font-size:13.5px;line-height:1.3}
.side .loans a b{display:block;font-weight:500;color:#fff}
.side .loans a.on{background:rgba(255,255,255,.12)}
.side .tabs a{display:block;padding:8px 10px;color:#DCE2F0;font-size:14px;border-left:2px solid transparent}
.side .tabs a.on{color:#fff;border-left-color:var(--green);background:rgba(255,255,255,.08)}
.side .foot{margin-top:auto;font-size:12.5px;color:#AEBBDA;padding-top:16px}
.side .foot a{color:#DCE2F0;display:block;padding:3px 0}
.main{padding:0;min-width:0;display:flex;flex-direction:column}
.main .body{padding:24px 36px 24px;flex:1;display:flex;flex-direction:column}
.grid3{align-items:start}
.grid3 .col{display:flex;flex-direction:column;min-width:0}
.grid3x{display:grid;grid-template-columns:1.1fr 1.1fr 1fr;gap:18px;align-items:stretch;margin-top:18px}.grid3x .panel{margin-bottom:0}
.mini{padding:8px 0;border-top:1px solid var(--line-2);font-size:13.5px}.mini:first-of-type{border-top:0}.mini b{font-weight:500}
.panel h3 a.small{font-weight:400;color:var(--navy)}
.ltop{display:grid;grid-template-columns:minmax(380px,42%) 1fr;background:#fff;border-bottom:1px solid var(--line)}
.lphoto{min-height:340px;position:relative;background:var(--paper-2)}
.lphoto img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
.lphoto .nophoto{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:var(--mute);font-size:14px;background:repeating-linear-gradient(135deg,#F2F2EE 0 12px,#ECECE7 12px 24px)}
.lhead{padding:26px 36px 24px;display:flex;flex-direction:column;justify-content:space-between;min-width:0}
.lhead .topbar{margin-bottom:18px}
.lhead .kpis{grid-template-columns:1fr 1fr;margin-bottom:0}
.lhead .kpi{background:var(--paper)}
.topbar{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:22px;padding-bottom:16px;border-bottom:1px solid var(--line)}
.topbar h1{font-size:26px}
.topbar .sub{font-size:14px;color:var(--mute);margin-top:4px}
.badge{display:inline-block;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;padding:5px 9px;border:1px solid var(--line);background:#fff;color:var(--navy);font-weight:500}
.badge.g{background:#EAF7EF;border-color:#BFE7CD;color:#14532D}.badge.a{background:#FFF6E0;border-color:#F1D9A0;color:#6B4E0B}.badge.r{background:#FDECEB;border-color:#F5C2BE;color:#B42318}.badge.n{background:var(--navy);border-color:var(--navy);color:#fff}
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:20px}
.kpi{background:#fff;border:1px solid var(--line-2);padding:16px 18px}
.kpi i{display:block;font-style:normal;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin-bottom:6px}
.kpi b{display:block;font-size:24px;font-weight:500;color:var(--navy);letter-spacing:-0.01em}
.kpi span{font-size:12.5px;color:var(--ink-2)}
.panel{background:#fff;border:1px solid var(--line-2);padding:20px 22px;margin-bottom:18px}
.panel h3{font-size:17px;margin-bottom:12px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.panel h3 .small{font-weight:400}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.grid3{display:grid;grid-template-columns:2.2fr 1fr;gap:18px}
.bar{height:8px;background:var(--paper-2);border:1px solid var(--line-2);position:relative;margin:8px 0}
.bar i{position:absolute;left:0;top:0;bottom:0;background:var(--navy)}.bar i.g{background:var(--green)}
.tbl.sm td,.tbl.sm th{padding:9px 12px;font-size:13.5px}
.tbl.sm td input{width:110px;padding:6px 8px;border:1px solid var(--line);font:inherit;font-size:13.5px;text-align:right}
.steps5{display:grid;grid-template-columns:repeat(5,1fr);gap:0;margin:10px 0 4px}
.steps5 div{font-size:12px;color:var(--mute);padding-top:10px;position:relative;border-top:2px solid var(--line)}
.steps5 div.done{border-top-color:var(--green);color:var(--ink)}.steps5 div.cur{border-top-color:var(--navy);color:var(--navy);font-weight:500}
.msgs{display:grid;gap:10px;max-height:420px;overflow:auto;padding-right:6px}
.msg{padding:10px 14px;border:1px solid var(--line-2);background:#fff;font-size:14px;max-width:85%}
.msg.flo{background:var(--paper-2)}.msg.borrower{margin-left:auto;background:#EAF2FF;border-color:#CCDCF5}
.msg .m{font-size:11.5px;color:var(--mute);margin-top:4px}
.req{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.req button{background:#fff;border:1px solid var(--line);padding:16px 14px;text-align:left;cursor:pointer;font:inherit;color:var(--ink)}
.req button:hover{border-color:var(--navy)}
.req button b{display:block;font-weight:500;margin-bottom:4px;color:var(--navy)}.req button span{font-size:12.5px;color:var(--ink-2)}
.modal{position:fixed;inset:0;background:rgba(14,31,69,.45);display:none;align-items:center;justify-content:center;padding:20px;z-index:100}
.modal.on{display:flex}
.modal .box{background:#fff;width:100%;max-width:560px;padding:28px 30px;max-height:90vh;overflow:auto}
.modal .box h3{font-size:20px;margin-bottom:14px}
.modal .f{margin-bottom:14px}
.ok{background:#EAF7EF;border:1px solid #BFE7CD;color:#14532D;padding:10px 12px;font-size:14px;margin:10px 0}
.doclist{display:grid;gap:0}
.doc-row{display:grid;grid-template-columns:1.2fr 2fr 1fr auto;gap:12px;padding:10px 0;border-top:1px solid var(--line-2);font-size:14px;align-items:center}
.doc-row:last-child{border-bottom:1px solid var(--line-2)}
.doc-row .c{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute)}
.grid3 .col>.panel:last-child{margin-bottom:0}
/* Phones: the sidebar becomes a wrapped bar. Name, email, phone and Sign out stay visible (44px tap targets); only the section labels go. */
@media (max-width:980px){.grid3x{grid-template-columns:1fr}.app{grid-template-columns:1fr}.side{flex-direction:row;flex-wrap:wrap;gap:12px;padding:14px 16px}.side .lbl{display:none}.side .who{margin:0;padding:0;border:0;flex:1 1 auto;min-width:0;display:flex;gap:8px;align-items:baseline}.side .who b{font-size:12px;white-space:nowrap}.side .who span{font-size:12px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.side .foot{margin:0;width:100%;display:flex;gap:14px;flex-wrap:wrap;padding-top:6px;font-size:12px}.side .foot a{display:inline-block;padding:8px 0;min-height:44px;line-height:28px}.side .loans,.side .tabs{display:flex;gap:4px;flex-wrap:wrap}.main .body{padding:16px 16px 0}.ltop{grid-template-columns:1fr}.lphoto{min-height:220px}.lhead{padding:16px}.kpis,.grid2,.grid3,.req{grid-template-columns:1fr 1fr}.steps5{grid-template-columns:repeat(5,1fr)}.doc-row{grid-template-columns:1fr}}
@media (max-width:640px){.kpis,.grid2,.grid3,.req{grid-template-columns:1fr}.tbl.sm td,.tbl.sm th{white-space:nowrap}.tbl.sm td .small{white-space:normal}.phead .row{flex-wrap:wrap}}
/* Wide tables (draw history, payment history, the referral ledger) scroll inside their panel on narrow screens instead of widening the page. */
.scroll-x{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -4px;padding:0 4px}
.scroll-x .tbl{min-width:100%}
.grid3>div:last-child .steps5{display:flex;flex-direction:column;gap:0;margin:4px 0}
.grid3>div:last-child .steps5 div{border-top:0;border-left:2px solid var(--line);padding:5px 0 5px 12px;font-size:13px}
.grid3>div:last-child .steps5 div.done{border-left-color:var(--green)}.grid3>div:last-child .steps5 div.cur{border-left-color:var(--navy)}
.grid3>div:last-child .steps5 div.bad{border-left-color:#B42318}
/* ---- client portal: roles, applications, tasks, conversation, signatures, referral ledger ---- */
.side .pnav{display:block}
.side .pnav a{display:block;padding:8px 10px;color:#DCE2F0;font-size:14px;border-left:2px solid transparent;margin:0;text-transform:none;letter-spacing:0;font-weight:400}
.side .pnav a.on{color:#fff;border-left-color:var(--green);background:rgba(255,255,255,.08)}
.side .pnav a .cnt{float:right;min-width:18px;height:18px;padding:0 6px;border-radius:9px;background:var(--green);color:#fff;font-size:11px;font-weight:600;display:inline-flex;align-items:center;justify-content:center}
.side .pnav a .cnt:empty{display:none}
.phead{padding:26px 36px 18px;background:#fff;border-bottom:1px solid var(--line)}
.phead h1{font-size:26px}.phead .sub{font-size:14px;color:var(--mute);margin-top:4px}
.phead .row{display:flex;justify-content:space-between;align-items:flex-end;gap:20px}
.phead .row>div:first-child{min-width:0;flex:1}.phead .row>div:last-child{flex-shrink:0;display:flex;gap:10px;align-items:center}
.stages{display:grid;grid-template-columns:repeat(7,1fr);gap:0;margin:18px 0 0}
.stages div{font-size:12px;color:var(--mute);padding-top:10px;border-top:2px solid var(--line)}
.stages div.done{border-top-color:var(--green);color:var(--ink)}.stages div.cur{border-top-color:var(--navy);color:var(--navy);font-weight:500}
.stages div.bad{border-top-color:#B42318;color:#B42318;font-weight:500}
.next{background:#fff;border:1px solid var(--line-2);border-left:3px solid var(--navy);padding:14px 18px;font-size:15px;margin-bottom:18px}
.next b{font-weight:500}
.need{display:grid;gap:0}
.need .row{display:grid;grid-template-columns:2fr 1fr auto;gap:12px;padding:12px 0;border-top:1px solid var(--line-2);align-items:center;font-size:14px}
.need .row:last-child{border-bottom:1px solid var(--line-2)}
.need .row b{display:block;font-weight:500}
.need .row .small{display:block}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line-2);padding:18px 20px;display:block;color:var(--ink)}
.card:hover{border-color:var(--navy);text-decoration:none}
.card b{display:block;font-weight:500;font-size:16px;color:var(--navy)}
.card .sub{font-size:13px;color:var(--mute);margin:3px 0 10px}
.card .nx{font-size:13.5px;color:var(--ink-2);border-top:1px solid var(--line-2);padding-top:10px}
.card .nx .cnt{display:inline-block;margin-left:6px;min-width:18px;height:18px;padding:0 6px;border-radius:9px;background:var(--navy);color:#fff;font-size:11px;font-weight:600;text-align:center;line-height:18px}
.sign-frame{width:100%;height:620px;border:1px solid var(--line);background:#fff}
.agree{display:flex;gap:10px;align-items:flex-start;font-size:14px;margin:14px 0}
.agree input{margin-top:4px}
.cert{background:#EAF7EF;border:1px solid #BFE7CD;padding:16px 18px;font-size:14px}
.cert b{font-weight:500}
.msg.desk{background:var(--paper-2)}.msg.partner{background:#FFF6E0;border-color:#F1D9A0}.msg.me{margin-left:auto;background:#EAF2FF;border-color:#CCDCF5}
.empty{padding:28px;text-align:center;color:var(--mute);font-size:14px;background:#fff;border:1px dashed var(--line)}
.fig{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.fig div{background:var(--paper);border:1px solid var(--line-2);padding:12px 14px}
.fig div i{display:block;font-style:normal;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin-bottom:4px}
.fig div b{font-size:20px;font-weight:500;color:var(--navy)}
@media (max-width:980px){.stages{grid-template-columns:repeat(4,1fr)}.need .row{grid-template-columns:1fr}.fig{grid-template-columns:1fr 1fr}.side .pnav{display:flex;gap:4px;flex-wrap:wrap}}
/* Phones: the stage ladder runs down the page (it comes after the base .stages rules on purpose, so it wins the cascade). */
@media (max-width:640px){.stages{display:flex;flex-direction:column;gap:0;margin:14px 0 0}.stages div{border-top:0;border-left:2px solid var(--line);padding:5px 0 5px 12px;font-size:13px}.stages div.done{border-left-color:var(--green)}.stages div.cur{border-left-color:var(--navy)}.stages div.bad{border-left-color:#B42318}}

h1,h2,h3,.eyebrow{font-family:var(--serif)}
h1,h2,h3{font-weight:500;letter-spacing:0}
.eyebrow{letter-spacing:.24em}