/* ===== Design tokens =====
   bg    #EAEFEA  pale sage-stone
   paper #F5F7FB  card paper (matches finsightech.com marketing site)
   ink   #0B1F3A  navy (matches finsightech.com marketing site)
   gold  #C98A1F  amber accent (matches finsightech.com marketing site)
   rust  #D6493B  coral — stamp / negative (matches finsightech.com marketing site)
   teal  #00B39B  positive / verified (matches finsightech.com marketing site)
   line  #C9CFC2  ledger hairline
*/
:root {
  --bg: #F5F7FB;
  --paper: #F5F7FB;
  --card: #FFFFFF;
  --ink: #0B1F3A;
  --ink-soft: #5B6B82;
  --gold: #C98A1F;
  --rust: #D6493B;
  --teal: #00B39B;
  --line: #E3E8F1;
  --font-display: 'Fraunces', serif;
  --font-body: 'Inter', sans-serif;
  --font-mono: 'IBM Plex Mono', monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

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

.wrap { max-width: 900px; margin: 0 auto; padding: 0 24px; }

a { color: inherit; }

button, input, select { font-family: inherit; font-size: 1rem; }

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* ===== Ambient ledger ticker ===== */
.ledger-ticker {
  overflow: hidden;
  white-space: nowrap;
  background: var(--ink);
  color: var(--bg);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.02em;
  padding: 6px 0;
}
.ledger-ticker__track {
  display: inline-block;
  padding-left: 100%;
  animation: ticker 38s linear infinite;
}
@keyframes ticker {
  from { transform: translateX(0); }
  to { transform: translateX(-100%); }
}
@media (prefers-reduced-motion: reduce) {
  .ledger-ticker__track { animation: none; padding-left: 2rem; }
}

/* ===== Header ===== */
.site-header { padding: 20px 0 8px; }
.site-header__row {
  display: flex; align-items: center; justify-content: space-between;
}
.wordmark-block { line-height: 1.1; }
.wordmark-logo {
  display: block;
  height: 36px;
  width: auto;
}
.wordmark__tagline {
  font-family: var(--font-mono);
  font-style: italic;
  font-size: 0.62rem;
  color: var(--ink-soft);
  letter-spacing: 0.01em;
  margin-top: 3px;
}
.header-actions { display: flex; align-items: center; gap: 12px; }
.pill {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 5px 12px;
  color: var(--ink-soft);
}
.pill.is-authed { border-color: var(--teal); color: var(--teal); }

/* ===== Buttons ===== */
.btn {
  border: none;
  border-radius: 3px;
  padding: 11px 20px;
  font-weight: 600;
  cursor: pointer;
  font-size: 0.92rem;
  transition: transform 0.12s ease, box-shadow 0.12s ease;
}
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--ink); color: var(--paper); }
.btn--primary:hover { box-shadow: 0 2px 0 var(--gold); }
.btn--secondary { background: transparent; color: var(--ink); border: 1.5px solid var(--ink); }
.btn--secondary:hover { background: var(--ink); color: var(--paper); }
.btn--ghost { background: transparent; color: var(--ink-soft); border: 1px solid var(--line); }
.btn--ghost:hover { border-color: var(--ink-soft); }
.btn--text { background: none; padding: 11px 4px; color: var(--ink-soft); text-decoration: none; }
.btn--text:hover { color: var(--ink); }

/* ===== Hero ===== */
.hero { padding: 64px 24px 40px; }
.hero__eyebrow {
  font-family: var(--font-mono);
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.hero__title {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(2.6rem, 6vw, 4.2rem);
  line-height: 1.02;
  letter-spacing: -0.015em;
  margin: 0 0 20px;
}
.hero__sub {
  font-size: 1.08rem;
  color: var(--ink-soft);
  max-width: 46ch;
  margin: 0 0 32px;
}
.hero__actions { display: flex; align-items: center; gap: 8px; }

/* ===== Module cards (landing page) ===== */
.module-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}
.module-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.module-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.2rem;
  margin: 0;
}
.module-card p {
  color: var(--ink-soft);
  font-size: 0.92rem;
  line-height: 1.55;
  margin: 0;
  flex-grow: 1;
}
.module-cta { align-self: flex-start; }
.module-card--soon { opacity: 0.7; }
.module-card--soon h3 { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.badge-soon {
  display: inline-block; font-family: var(--font-mono); font-size: 0.62rem;
  text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-soft);
  border: 1px solid var(--line); border-radius: 3px; padding: 2px 6px;
}
.module-card--soon .btn--ghost:disabled { cursor: not-allowed; opacity: 0.6; }

/* ===== Ledger panel / section header ===== */
.panel { padding: 40px 24px; border-top: 1px solid var(--line); }

/* Institutional accounts get their Consent & Sharing workspace moved to the
   top of the dashboard, without hiding anything else — everything else
   stays reachable by scrolling, just not first. */
#dashboard { display: flex; flex-direction: column; }
#dashboard.institution-priority #module-consent,
#dashboard.institution-priority #consentIndividualView,
#dashboard.institution-priority #consentInstitutionalView {
  order: -1;
}
.panel__ledger-head {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  font-family: var(--font-mono);
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-soft);
  padding-bottom: 10px;
  margin-bottom: 20px;
  border-bottom: 1px solid var(--line);
}
.panel__ledger-head span:nth-child(2),
.panel__ledger-head span:nth-child(3) { text-align: right; }

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 24px;
}
.card + .panel__ledger-head { margin-top: 32px; }
/* Matching the real marketing site's actual source: every card is plain
   white (var(--card)), no per-section tinting — these classes are kept
   as harmless no-op hooks in the HTML in case section variety is wanted
   again later, rather than ripping out the class attributes themselves. */
.card--tint-teal { background: var(--card); }
.card--tint-gold { background: var(--card); }
.card__row {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.muted { color: var(--ink-soft); font-size: 0.92rem; }
.muted.small { font-size: 0.8rem; }

/* ===== Auth ===== */
.auth-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 36px 32px;
  max-width: 440px;
  box-shadow: 0 12px 32px rgba(11, 31, 58, 0.06);
}
/* Scoped to the auth screen specifically, matching the uploaded design
   sample — not applied globally, since every calculator form elsewhere
   in the app deliberately uses the sharper, mono-font "ledger" aesthetic,
   and that's a separate design decision from restyling this one screen. */
.auth-card label { font-size: 0.78rem; font-weight: 700; color: var(--ink); }
.auth-brand {
  display: flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-display); font-weight: 600; font-size: 1.35rem;
  color: var(--ink); margin-bottom: 20px;
}
.auth-brand__dot { width: 9px; height: 9px; border-radius: 50%; background: var(--teal); }
.auth-heading { font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; text-align: center; color: var(--ink); margin: 4px 0 4px; }
.auth-subheading { text-align: center; color: var(--ink-soft); font-size: 0.82rem; margin: 0 0 16px; }
.institutional-portal-badge {
  text-align: center; font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em;
  background: var(--gold); color: var(--ink); display: block; width: fit-content; margin: -8px auto 18px;
  padding: 4px 12px; border-radius: 20px;
}
.field-sample { font-size: 0.72rem; color: var(--ink-soft); margin: -8px 0 4px; }
.live-calc-prompt { font-size: 0.85rem; font-weight: 600; color: var(--ink); margin: 0 0 10px; }
.clear-data-block { margin-top: 20px; padding-top: 16px; border-top: 1px dashed var(--line); }

.how-to-btn {
  background: none; border: 1px solid var(--line); border-radius: 20px;
  padding: 3px 10px; font-family: var(--font-mono); font-size: 0.68rem;
  color: var(--ink-soft); cursor: pointer;
  grid-column: 1 / -1; justify-self: end; margin-top: 8px;
}
.how-to-btn:hover { border-color: var(--teal); color: var(--teal); }

.guide-overlay {
  position: fixed; inset: 0; z-index: 200;
  background: rgba(11, 31, 58, 0.55);
  display: flex; align-items: center; justify-content: center;
  padding: 20px;
}
.guide-card {
  position: relative; background: #fff; border-radius: 12px; padding: 32px 28px 24px;
  max-width: 460px; width: 100%; max-height: 80vh; overflow-y: auto;
  box-shadow: 0 20px 50px rgba(0,0,0,0.3);
}
.guide-card h3 { font-family: var(--font-display); font-size: 1.2rem; margin: 0 0 4px; color: var(--ink); }
.guide-audience {
  display: inline-block; font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em;
  background: var(--gold); color: var(--ink); padding: 3px 10px; border-radius: 20px; margin-bottom: 16px;
}
.guide-steps { padding-left: 20px; margin: 0; }
.guide-steps li { font-size: 0.88rem; line-height: 1.6; color: var(--ink); margin-bottom: 10px; }
.auth-link-btn {
  background: none; border: none; color: var(--teal); font-weight: 600; font-size: 0.8rem;
  cursor: pointer; text-align: center; margin-top: 4px; padding: 4px;
}
.auth-link-btn:hover { text-decoration: underline; }
#tempResetLinkDisplay {
  font-size: 0.75rem; word-break: break-all; background: var(--paper);
  border: 1px dashed var(--gold); border-radius: 6px; padding: 10px; margin-top: 10px;
}
.auth-card input[type="email"], .auth-card input[type="password"], .auth-card input[type="text"] {
  border-radius: 9px;
  font-family: var(--font-body);
  padding: 11px 13px;
}
.auth-card input:focus { border-color: var(--teal); }
.tabs { display: flex; gap: 4px; margin: 0 -4px 16px; }
.tab {
  background: none; border: none; padding: 14px 16px; font-weight: 600;
  color: var(--ink-soft); cursor: pointer; border-bottom: 2px solid transparent;
}
.tab.is-active { color: var(--ink); border-bottom-color: var(--gold); }
.tab-panel { display: none; flex-direction: column; gap: 14px; }
.tab-panel.is-active { display: flex; }

label { display: flex; flex-direction: column; gap: 6px; font-size: 0.88rem; font-weight: 500; color: var(--ink-soft); }
label.checkbox { flex-direction: row; align-items: center; gap: 8px; font-weight: 400; }
input[type="text"], input[type="email"], input[type="password"], input[type="number"], select {
  border: 1px solid var(--line);
  border-radius: 3px;
  padding: 10px 12px;
  background: #fff;
  color: var(--ink);
  font-family: var(--font-mono);
  font-size: 0.9rem;
}
input:focus, select:focus { border-color: var(--gold); }
.form-note { font-size: 0.85rem; margin: 4px 0 0; min-height: 1.2em; }
.form-note.is-error { color: var(--rust); }
.form-note.is-success { color: var(--teal); }

.account-type-field { display: flex; flex-direction: column; gap: 6px; }
.account-type-label { font-size: 0.88rem; font-weight: 500; color: var(--ink-soft); }
.account-type-options { display: flex; gap: 8px; }
.account-type-option {
  flex: 1;
  padding: 12px;
  border: 1.5px solid var(--line);
  border-radius: 3px;
  background: #fff;
  color: var(--ink-soft);
  font-family: var(--font-mono);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  transition: border-color 0.12s ease, color 0.12s ease, background 0.12s ease;
}
.account-type-option:hover { border-color: var(--ink-soft); }
.account-type-option.is-selected {
  border-color: var(--gold);
  background: var(--ink);
  color: var(--paper);
}

/* ===== Dashboard ===== */
.is-hidden { display: none !important; }
.linked-list { list-style: none; margin: 16px 0 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.linked-list li {
  display: flex; justify-content: space-between; font-family: var(--font-mono); font-size: 0.85rem;
  padding: 10px 12px; background: #fff; border: 1px solid var(--line); border-radius: 4px;
}
.linked-list__empty { color: var(--ink-soft); font-size: 0.85rem; }

.bvn-block { margin-top: 24px; padding-top: 20px; border-top: 1px dashed var(--line); }
.badge-experimental {
  display: inline-block; margin-left: 6px; font-family: var(--font-mono); font-size: 0.62rem;
  text-transform: uppercase; letter-spacing: 0.05em; color: var(--gold); border: 1px solid var(--gold);
  border-radius: 3px; padding: 2px 6px; vertical-align: middle;
}
.bvn-form { display: flex; align-items: flex-end; gap: 10px; margin-top: 12px; flex-wrap: wrap; }
.bvn-form label { flex: 1; min-width: 200px; }
.discovered-list { list-style: none; margin: 16px 0 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.discovered-list li {
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
  font-family: var(--font-mono); font-size: 0.85rem;
  padding: 10px 12px; background: #fff; border: 1px solid var(--line); border-radius: 4px;
}
.discovered-list .btn { padding: 6px 12px; font-size: 0.78rem; }
.bvn-queue-step, .bvn-queue-summary {
  background: var(--card); border: 1px solid var(--line); border-radius: 6px;
  padding: 14px 16px; list-style: none;
}
.bvn-queue-actions { display: flex; gap: 8px; margin-top: 10px; }

#mortgageExportResult {
  white-space: pre-wrap; word-break: break-word; background: #fff;
  border: 1px solid var(--line); border-radius: 4px; padding: 14px;
}

.loan-officer-tool { margin-top: 24px; padding-top: 20px; border-top: 1px dashed var(--line); }
.loan-officer-tool h4 {
  font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--ink-soft); margin: 0 0 8px;
}
.loan-officer-tool textarea {
  width: 100%; font-family: var(--font-mono); font-size: 0.82rem;
  border: 1px solid var(--line); border-radius: 3px; padding: 10px; margin-bottom: 10px;
  resize: vertical; box-sizing: border-box;
}
#comparisonTable { margin-top: 16px; overflow-x: auto; }
#comparisonTable table { width: 100%; border-collapse: collapse; font-size: 0.82rem; font-family: var(--font-mono); }
#comparisonTable th, #comparisonTable td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--line); white-space: nowrap; }
#comparisonTable th { color: var(--ink-soft); text-transform: uppercase; font-size: 0.65rem; letter-spacing: 0.05em; }
#comparisonTable .remove-row-btn { background: none; border: none; color: var(--rust); cursor: pointer; font-size: 0.75rem; }

.score-gauge-wrap { width: 160px; flex-shrink: 0; }
.dashboard-charts {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px;
  margin-top: 24px; padding-top: 20px; border-top: 1px dashed var(--line);
}
.chart-block { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 16px; }
.chart-block canvas { max-height: 220px; }
@media (max-width: 640px) { .dashboard-charts { grid-template-columns: 1fr; } }

.score-ring {
  --ring-size: 44px;
  width: var(--ring-size); height: var(--ring-size); border-radius: 50%;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  font-family: var(--font-mono); font-size: 0.7rem; font-weight: 700; color: var(--ink);
  background: conic-gradient(var(--ring-color, var(--gold)) calc(var(--ring-pct, 0) * 1%), var(--line) 0);
}
.score-ring__inner {
  width: calc(var(--ring-size) - 8px); height: calc(var(--ring-size) - 8px); border-radius: 50%;
  background: var(--paper); display: flex; align-items: center; justify-content: center;
}
.score-ring-row { display: flex; align-items: center; gap: 10px; margin: 6px 0; }
.score-ring-row__label { font-family: var(--font-mono); font-size: 0.78rem; color: var(--ink-soft); }
.applicant-card__rings { display: flex; flex-direction: column; gap: 6px; margin: 8px 0; }
.badge-category {
  display: inline-block; font-family: var(--font-mono); font-size: 0.6rem;
  text-transform: uppercase; letter-spacing: 0.04em; color: var(--teal);
  border: 1px solid var(--teal); border-radius: 3px; padding: 2px 6px; vertical-align: middle;
}
#recentAccessBadge {
  display: inline-block; font-family: var(--font-mono); font-size: 0.62rem;
  text-transform: uppercase; letter-spacing: 0.04em; color: var(--rust);
  border: 1px solid var(--rust); border-radius: 3px; padding: 2px 6px; vertical-align: middle;
}

.invite-panel { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 16px; margin-bottom: 20px; }
.invite-active-card {
  display: flex; gap: 20px; align-items: center; flex-wrap: wrap;
  background: var(--paper); border: 1px solid var(--gold); border-radius: 6px; padding: 16px; margin-top: 12px;
}
.invite-code-display {
  font-family: var(--font-mono); font-size: 1.6rem; font-weight: 700; letter-spacing: 0.1em;
  color: var(--ink); background: #fff; border: 1px dashed var(--line); border-radius: 4px; padding: 8px 14px;
}
.invite-qr-canvas { background: #fff; padding: 8px; border-radius: 4px; }
.invite-link-row { display: flex; gap: 8px; align-items: center; font-family: var(--font-mono); font-size: 0.78rem; word-break: break-all; }
.invite-row {
  display: flex; justify-content: space-between; align-items: center; padding: 8px 0;
  border-bottom: 1px solid var(--line); font-family: var(--font-mono); font-size: 0.8rem;
}
.invite-status-tag {
  font-size: 0.62rem; text-transform: uppercase; letter-spacing: 0.04em;
  border-radius: 3px; padding: 2px 6px;
}
.invite-status-tag.is-pending { border: 1px solid var(--gold); color: var(--gold); }
.invite-status-tag.is-claimed { border: 1px solid var(--teal); color: var(--teal); }

.invite-banner {
  background: var(--paper); border: 1px solid var(--gold); border-radius: 6px;
  padding: 16px; margin-bottom: 20px; text-align: center;
}

.live-calc-block {
  background: var(--paper); border: 1px solid var(--line); border-radius: 6px;
  padding: 12px; margin-top: 10px;
}
.live-calc-block .tabs { margin-bottom: 10px; }
.live-calc-block label { font-size: 0.8rem; margin-bottom: 8px; display: flex; }
.live-calc-block input, .live-calc-block select {
  border: 1px solid var(--line); border-radius: 3px; padding: 6px; font-family: var(--font-mono); font-size: 0.8rem; margin-left: auto;
}
.narrative-list { margin: 0; padding-left: 18px; font-size: 0.85rem; line-height: 1.6; }
.narrative-list li { margin-bottom: 6px; }
.live-dashboard { margin-top: 12px; }

.intelligence-disclaimer {
  font-size: 0.72rem; color: var(--ink-soft); font-style: italic;
  margin-top: 10px; padding-top: 8px; border-top: 1px dashed var(--line);
}

.dashboard-nav {
  position: sticky; top: 0; z-index: 20;
  display: flex; flex-wrap: wrap; gap: 4px;
  background: var(--paper); border-bottom: 1px solid var(--line);
  padding: 10px 0; margin-bottom: 8px;
}

.first-run-banner {
  background: var(--paper); border: 1px solid var(--teal); border-radius: 6px;
  padding: 18px; margin-bottom: 16px; text-align: center;
}
.first-run-banner .btn { margin-top: 10px; }

.tour-overlay {
  position: fixed; inset: 0; z-index: 200;
  background: rgba(18, 32, 26, 0.55);
  display: flex; align-items: center; justify-content: center;
  padding: 20px;
}
.tour-card {
  position: relative; background: #fff; border-radius: 12px; padding: 32px 28px 24px;
  max-width: 400px; width: 100%; text-align: center;
  box-shadow: 0 20px 50px rgba(0,0,0,0.3);
}
.tour-skip {
  position: absolute; top: 14px; right: 16px; background: none; border: none;
  font-family: var(--font-mono); font-size: 0.72rem; color: var(--ink-soft); cursor: pointer;
}
.tour-icon { font-size: 2.6rem; margin-bottom: 10px; }
.tour-card h3 { font-family: var(--font-display); font-size: 1.25rem; margin: 0 0 8px; color: var(--ink); }
.tour-card p { font-size: 0.9rem; color: var(--ink-soft); line-height: 1.5; margin-bottom: 16px; }
.tour-dots { display: flex; justify-content: center; gap: 6px; margin-bottom: 16px; }
.tour-dots span { width: 6px; height: 6px; border-radius: 50%; background: var(--line); }
.tour-dots span.is-active { background: var(--teal); }
.tour-actions { display: flex; justify-content: center; gap: 10px; }

.tax-router {
  background: var(--paper); border: 1px solid var(--line); border-radius: 6px;
  padding: 14px 16px; margin-bottom: 16px;
}
.tax-router select { display: block; margin-top: 6px; width: 100%; max-width: 480px; }
.tax-router .btn { margin-top: 10px; }

.threshold-field { margin: 14px 0; }
.threshold-slider-row { display: flex; align-items: center; gap: 14px; margin-top: 8px; }
.threshold-slider-row input[type="range"] { flex: 1; accent-color: var(--teal); }
.threshold-value { font-family: var(--font-mono); font-weight: 700; color: var(--ink); width: 36px; text-align: right; }
.badge-auto-approved {
  display: inline-block; font-size: 0.62rem; text-transform: uppercase; letter-spacing: 0.04em;
  border-radius: 3px; padding: 2px 6px; border: 1px solid var(--teal); color: var(--teal); margin-left: 8px;
}
.badge-needs-review {
  display: inline-block; font-size: 0.62rem; text-transform: uppercase; letter-spacing: 0.04em;
  border-radius: 3px; padding: 2px 6px; border: 1px solid var(--gold); color: var(--gold); margin-left: 8px;
}

.report-cta__grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 12px; margin: 10px 0; }
.report-cta__option { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 10px; }
.report-cta__option .btn { width: 100%; margin-bottom: 6px; }
.report-cta__option p { margin: 0; }

.term-hint {
  position: relative; border-bottom: 1px dotted var(--ink-soft); cursor: help;
}
.term-hint__icon { font-size: 0.85em; margin-left: 1px; }
.term-hint::after {
  content: attr(data-hint);
  position: absolute; bottom: 125%; left: 50%; transform: translateX(-50%);
  width: 240px; background: var(--ink); color: var(--paper);
  font-family: var(--font-mono); font-size: 0.68rem; font-style: normal;
  line-height: 1.5; padding: 10px; border-radius: 5px; z-index: 30;
  opacity: 0; visibility: hidden; transition: opacity 0.15s;
  pointer-events: none;
}
.term-hint:hover::after, .term-hint:focus::after { opacity: 1; visibility: visible; }

.assist-widget { position: fixed; bottom: 20px; right: 20px; z-index: 100; }
.assist-bubble {
  width: 56px; height: 56px; border-radius: 50%; border: none;
  background: var(--ink); color: var(--paper); font-size: 1.4rem;
  cursor: pointer; box-shadow: 0 4px 14px rgba(0,0,0,0.25);
  display: flex; align-items: center; justify-content: center;
}
.assist-bubble:hover { background: var(--teal); }
.assist-panel {
  position: absolute; bottom: 68px; right: 0; width: 320px; max-height: 420px;
  background: #fff; border: 1px solid var(--line); border-radius: 10px;
  box-shadow: 0 8px 28px rgba(0,0,0,0.18); display: flex; flex-direction: column;
  overflow: hidden;
}
.assist-panel__header {
  background: var(--ink); color: var(--paper); padding: 12px 14px;
  font-family: var(--font-mono); font-size: 0.82rem; font-weight: 600;
  display: flex; justify-content: space-between; align-items: center;
}
.assist-panel__close { background: none; border: none; color: var(--paper); cursor: pointer; font-size: 0.9rem; }
.assist-panel__messages { flex: 1; overflow-y: auto; padding: 12px; max-height: 260px; }
.assist-msg { font-size: 0.82rem; line-height: 1.45; margin-bottom: 10px; padding: 8px 10px; border-radius: 6px; }
.assist-msg--bot { background: var(--paper); color: var(--ink); }
.assist-msg--user { background: var(--ink); color: var(--paper); margin-left: 20%; }
.assist-panel__form { display: flex; gap: 6px; padding: 10px; border-top: 1px solid var(--line); }
.assist-panel__form input {
  flex: 1; border: 1px solid var(--line); border-radius: 4px; padding: 8px;
  font-family: var(--font-mono); font-size: 0.8rem;
}
.assist-panel__form .btn { padding: 8px 12px; font-size: 0.8rem; }
@media (max-width: 480px) {
  .assist-panel { width: calc(100vw - 40px); }
}
.dashboard-nav a {
  font-family: var(--font-mono); font-size: 0.72rem; text-decoration: none;
  color: var(--ink-soft); padding: 6px 10px; border-radius: 4px;
  border: 1px solid transparent; white-space: nowrap;
  transition: background 0.15s, color 0.15s, border-color 0.15s;
}
.dashboard-nav a:hover { background: #fff; border-color: var(--line); color: var(--ink); }
.dashboard-nav a.is-active {
  background: var(--ink); color: var(--paper); border-color: var(--ink);
}
@media (max-width: 640px) {
  .dashboard-nav { overflow-x: auto; flex-wrap: nowrap; -webkit-overflow-scrolling: touch; }
}

.report-cta {
  margin-top: 16px; padding: 16px; background: var(--paper);
  border: 1px solid var(--gold); border-radius: 6px;
}
.report-cta__buttons { display: flex; flex-wrap: wrap; gap: 8px; margin: 10px 0; }
#myReportsList { margin-top: 12px; }
.my-report-row {
  display: flex; justify-content: space-between; align-items: center; gap: 10px;
  padding: 8px 0; border-bottom: 1px solid var(--line); font-family: var(--font-mono); font-size: 0.78rem;
}
.my-report-row.is-expired { opacity: 0.5; }

#bvnCompletenessNudge {
  background: var(--paper); border: 1px solid var(--gold); border-radius: 6px;
  padding: 14px 16px; margin-bottom: 16px; font-size: 0.85rem;
}
#bvnCompletenessNudge .btn { margin-top: 8px; }

.mini-heading {
  font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--ink-soft); margin: 20px 0 12px;
}
.institution-row, .grant-row, .applicant-card {
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
  padding: 12px; background: #fff; border: 1px solid var(--line); border-radius: 4px; margin-bottom: 8px;
}
.institution-row__name, .applicant-card__name { font-weight: 600; }
.institution-row__desc { color: var(--ink-soft); font-size: 0.85rem; }
.applicant-card { flex-direction: column; align-items: stretch; gap: 10px; }
.applicant-card__header { display: flex; justify-content: space-between; align-items: center; }
.applicant-card__scores { font-family: var(--font-mono); font-size: 0.82rem; color: var(--ink-soft); }
.decision-form { display: flex; gap: 8px; align-items: center; flex-wrap: wrap; margin-top: 8px; }
.decision-form select, .decision-form input {
  border: 1px solid var(--line); border-radius: 3px; padding: 8px; font-family: var(--font-mono); font-size: 0.82rem;
}
.quote-preview { font-weight: 600; color: var(--teal); white-space: nowrap; }
.empty-state { color: var(--ink-soft); font-size: 0.85rem; padding: 12px 0; }

.score-card__controls { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 20px; }
.score-display { display: flex; align-items: center; gap: 32px; flex-wrap: wrap; min-height: 40px; }

/* signature element: ink stamp */
.stamp-wrap { width: 132px; height: 132px; flex-shrink: 0; }
.stamp {
  width: 132px; height: 132px; border-radius: 50%;
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  border: 3px solid var(--rust);
  color: var(--rust);
  font-family: var(--font-mono);
  transform: scale(0.4) rotate(-14deg);
  opacity: 0;
  filter: url(#roughen);
  animation: stampDown 0.42s cubic-bezier(.2,1.4,.4,1) forwards;
}
.stamp--band-good-standing { border-color: var(--teal); color: var(--teal); }
.stamp--band-fair-standing { border-color: var(--gold); color: var(--gold); }
.stamp--band-high-risk { border-color: var(--rust); color: var(--rust); }
@keyframes stampDown {
  0% { transform: scale(0.4) rotate(-14deg); opacity: 0; }
  60% { transform: scale(1.08) rotate(-4deg); opacity: 1; }
  100% { transform: scale(1) rotate(-4deg); opacity: 1; }
}
.stamp__grade { font-family: var(--font-display); font-size: 2.6rem; font-weight: 700; line-height: 1; }
.stamp__score { font-size: 0.75rem; margin-top: 2px; }
.stamp__label { font-size: 0.58rem; text-transform: uppercase; letter-spacing: 0.08em; margin-top: 2px; }

.score-summary { display: grid; grid-template-columns: repeat(2, auto); gap: 6px 28px; margin: 0; font-family: var(--font-mono); font-size: 0.85rem; }
.score-summary dt { color: var(--ink-soft); grid-column: 1; }
.score-summary dd { margin: 0; grid-column: 2; text-align: right; font-weight: 600; }
.contributing-banks { margin-top: 10px; }
.contributing-banks ul { list-style: none; margin: 6px 0 0; padding: 0; font-size: 0.82rem; color: var(--ink-soft); }
.contributing-banks li { padding: 3px 0; }

.benchmark-display { margin-top: 20px; padding-top: 20px; border-top: 1px dashed var(--line); font-family: var(--font-mono); font-size: 0.88rem; }
.benchmark-display:empty { display: none; }

.breakdown-display { margin-top: 20px; }
.breakdown-display:empty { display: none; }
.breakdown-section { margin-top: 20px; padding-top: 20px; border-top: 1px dashed var(--line); }
.breakdown-section h4 {
  font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase;
  letter-spacing: 0.06em; color: var(--ink-soft); margin: 0 0 12px;
}
.breakdown-bar-row { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; font-family: var(--font-mono); font-size: 0.8rem; }
.breakdown-bar-label { width: 150px; flex-shrink: 0; color: var(--ink-soft); text-transform: capitalize; }
.breakdown-bar-track { flex-grow: 1; height: 8px; background: var(--bg); border-radius: 4px; overflow: hidden; }
.breakdown-bar-fill { height: 100%; background: var(--gold); border-radius: 4px; }
.breakdown-bar-fill.is-expense { background: var(--rust); }
.breakdown-bar-value { width: 130px; flex-shrink: 0; text-align: right; }

.pattern-row {
  display: flex; justify-content: space-between; align-items: center; gap: 12px;
  padding: 8px 0; border-bottom: 1px solid var(--line); font-family: var(--font-mono); font-size: 0.8rem;
}
.pattern-row:last-child { border-bottom: none; }
.pattern-freq-tag {
  font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.04em;
  border: 1px solid var(--teal); color: var(--teal); border-radius: 3px; padding: 2px 6px;
}
.pattern-freq-tag.is-occasional { border-color: var(--gold); color: var(--gold); }
.pattern-freq-tag.is-single { border-color: var(--line); color: var(--ink-soft); }

.wizard-step {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 12px; background: #fff; border: 1px solid var(--line); border-radius: 4px; margin-bottom: 14px;
}
.wizard-step__label { font-family: var(--font-mono); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-soft); }
.wizard-step__value { font-weight: 600; }
#applicantWizard label { margin-bottom: 12px; display: flex; }
#wizardRouteResult { margin-top: 16px; }
#wizardRouteResult .route-card {
  padding: 14px; background: var(--paper); border: 1px solid var(--gold); border-radius: 4px;
  font-size: 0.9rem;
}

.tabs--tax { flex-wrap: wrap; }
.tax-panel { display: none; flex-direction: column; gap: 14px; max-width: 480px; margin-top: 12px; }
.tax-panel.is-active { display: flex; }
.live-panel { display: none; flex-direction: column; gap: 12px; margin-top: 12px; }
.live-panel.is-active { display: flex; }

.tax-result {
  margin-top: 24px; padding-top: 20px; border-top: 1px dashed var(--line);
  font-family: var(--font-mono); font-size: 0.86rem; white-space: pre-wrap;
}
.tax-result:empty { display: none; border: none; }
.tax-result table { width: 100%; border-collapse: collapse; font-size: 0.82rem; }
.tax-result th, .tax-result td { text-align: left; padding: 6px 8px; border-bottom: 1px solid var(--line); }
.tax-result th { color: var(--ink-soft); font-weight: 600; text-transform: uppercase; font-size: 0.68rem; letter-spacing: 0.05em; }
.tax-result .total-row td { font-weight: 700; border-top: 1px solid var(--ink); border-bottom: none; }

.steps { list-style: none; margin: 0; padding: 0; counter-reset: step; }
.steps li {
  counter-increment: step;
  padding: 16px 0 16px 44px;
  position: relative;
  border-bottom: 1px solid var(--line);
  color: var(--ink-soft);
}
.steps li:last-child { border-bottom: none; }
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 14px;
  width: 26px; height: 26px; border-radius: 50%;
  border: 1px solid var(--gold); color: var(--gold);
  font-family: var(--font-mono); font-size: 0.75rem;
  display: flex; align-items: center; justify-content: center;
}
.steps strong { color: var(--ink); }

/* ===== Footer ===== */
.site-footer { border-top: 1px solid var(--line); padding: 28px 24px 60px; }
.site-footer p { color: var(--ink-soft); font-size: 0.82rem; margin: 0; max-width: 60ch; }

/* ===== Settings drawer ===== */
.drawer {
  position: fixed; inset: 0; background: rgba(18,32,26,0.5);
  display: flex; justify-content: flex-end;
  opacity: 0; pointer-events: none; transition: opacity 0.2s ease;
  z-index: 50;
}
.drawer.is-open { opacity: 1; pointer-events: auto; }
.drawer__panel {
  background: var(--paper); width: min(380px, 90vw); height: 100%; padding: 28px;
  display: flex; flex-direction: column; gap: 16px;
  transform: translateX(100%); transition: transform 0.25s ease;
}
.drawer.is-open .drawer__panel { transform: translateX(0); }
.drawer__panel h2 { font-family: var(--font-display); margin: 0 0 4px; }
.drawer__actions { display: flex; gap: 10px; margin-top: 8px; }

/* ===== Toast ===== */
.toast {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%) translateY(20px);
  background: var(--ink); color: var(--paper); padding: 12px 20px; border-radius: 4px;
  font-size: 0.86rem; opacity: 0; pointer-events: none; transition: all 0.25s ease;
  z-index: 60; max-width: 90vw;
}
.toast.is-visible { opacity: 1; transform: translateX(-50%) translateY(0); }
.toast.is-error { background: var(--rust); }
.toast.is-success { background: var(--teal); }

@media (max-width: 640px) {
  .panel__ledger-head span:nth-child(2) { display: none; }
  .panel__ledger-head { grid-template-columns: 2fr 1fr; }
  .score-display { flex-direction: column; align-items: flex-start; }
}