/* Layout: a demo control strip on top, then a lender-style application with a sticky section index on the left; on submit the same column becomes a routing report. */
:root{
  --bg:#F3F7FA; --surface:#FFFFFF; --ink:#13202C; --muted:#56687A; --line:#D6E0E9; --line-strong:#B9C8D6;
  --brand:#1769AA; --sky:#29ABE2; --brand-ink:#FFFFFF; --brand-soft:#E6F2FB;
  --field:#FFFFFF; --demo-bg:#0F2233; --demo-fg:#C9DDEE; --demo-accent:#5CC4EE;
  --ok:#1D7A4C; --ok-soft:#E3F4EB; --warn-bg:#FFF5D6; --warn-fg:#664A00; --err:#B3261E;
  --plate:#FFFFFF;
  --f-display:"Libre Franklin", "Segoe UI", system-ui, sans-serif;
  --f-body:"Libre Franklin", "Segoe UI", system-ui, sans-serif;
  --f-mono:"IBM Plex Mono", ui-monospace, "Cascadia Mono", Consolas, monospace;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0D151E; --surface:#14212E; --ink:#E4ECF4; --muted:#93A6B8; --line:#24374A; --line-strong:#33495F;
  --brand:#4DA3E4; --sky:#5CC4EE; --brand-ink:#06121C; --brand-soft:#16304A;
  --field:#0F1B27; --demo-bg:#060E16; --demo-fg:#A7C3DA; --demo-accent:#5CC4EE;
  --ok:#4CC38A; --ok-soft:#123326; --warn-bg:#352B0C; --warn-fg:#F0D488; --err:#FF8A80;
  --plate:#FFFFFF; color-scheme:dark;
}}
:root[data-theme="dark"]{
  --bg:#0D151E; --surface:#14212E; --ink:#E4ECF4; --muted:#93A6B8; --line:#24374A; --line-strong:#33495F;
  --brand:#4DA3E4; --sky:#5CC4EE; --brand-ink:#06121C; --brand-soft:#16304A;
  --field:#0F1B27; --demo-bg:#060E16; --demo-fg:#A7C3DA; --demo-accent:#5CC4EE;
  --ok:#4CC38A; --ok-soft:#123326; --warn-bg:#352B0C; --warn-fg:#F0D488; --err:#FF8A80;
  --plate:#FFFFFF; color-scheme:dark;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
body{background:var(--bg);color:var(--ink);font-family:var(--f-body);font-size:15px;line-height:1.5}
.gut{padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.wrap{max-width:1100px;margin:0 auto}
h1,h2,h3{font-family:var(--f-display);text-wrap:balance;margin:0}
.mono{font-family:var(--f-mono)}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:2px solid var(--sky);outline-offset:2px}

/* header */
.head{background:var(--surface);border-bottom:1px solid var(--line)}
.head .wrap{display:grid;gap:14px;padding-block:18px 20px}
.cobrand{display:flex;flex-wrap:wrap;gap:10px 16px;align-items:center;padding-bottom:14px;border-bottom:1px solid var(--line)}
.vendor{display:flex;gap:10px;align-items:center;min-width:0}
.vendor[hidden]{display:none!important}
.vlogo{width:52px;height:52px;border:1.5px dashed var(--line-strong);border-radius:8px;display:grid;place-content:center;text-align:center;font-family:var(--f-display);font-weight:700;font-size:17px;line-height:1;color:var(--ink);background:var(--bg)}
.vlogo small{display:block;font-family:var(--f-mono);font-weight:400;font-size:8.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:4px}
.vname{font-family:var(--f-display);font-weight:700;font-size:1.15rem;letter-spacing:-.01em;overflow-wrap:anywhere}
.partner{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}
.plate{background:var(--plate);border-radius:6px;padding:6px 10px;display:inline-flex}
.plate img{height:40px;width:auto;display:block}
.head .titles{min-width:0}
.head h1{font-size:1.45rem;font-weight:700;letter-spacing:-.01em}
.head p{margin:3px 0 0;color:var(--muted);max-width:70ch}
.help{display:flex;flex-wrap:wrap;gap:10px 22px;align-items:center;background:var(--bg);border:1px solid var(--line);border-radius:9px;padding:10px 14px}
.help .who{display:grid;gap:1px;min-width:0}
.help .lbl2{font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600}
.help .name{font-weight:650;overflow-wrap:anywhere}
.help .role{font-weight:400;color:var(--muted);font-size:13.5px;margin-left:4px}
.help .ways{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;margin-left:auto}
.help .way{display:inline-flex;gap:6px;align-items:center;min-width:0}
.help a{color:var(--brand);text-decoration:none;font-size:14px;font-weight:500;overflow-wrap:anywhere}
.help a:hover{text-decoration:underline}
.copy{border:1px solid var(--line-strong);background:var(--surface);color:var(--muted);border-radius:5px;font-size:11.5px;padding:2px 7px;cursor:pointer}
.copy:hover{color:var(--ink);border-color:var(--brand)}
@media (max-width:600px){.help .ways{margin-left:0}.help .role{display:block;margin-left:0}}

/* layout */
.main{display:grid;grid-template-columns:200px minmax(0,1fr);gap:28px;padding-block:24px 64px}
.index{position:sticky;top:calc(env(safe-area-inset-top,0px) + 16px);align-self:start;display:grid;gap:2px;font-size:14px}
.index a{color:var(--muted);text-decoration:none;padding:7px 10px;border-radius:6px;display:flex;gap:10px;align-items:baseline}
.index a span{font-family:var(--f-mono);font-size:12px;color:var(--brand)}
.index a:hover{background:var(--surface);color:var(--ink)}
.index .meta{margin-top:14px;padding:12px 10px;border-top:1px solid var(--line);color:var(--muted);font-size:13px;display:grid;gap:8px}
.col{display:grid;gap:18px;min-width:0}
.banner{background:var(--warn-bg);color:var(--warn-fg);border-radius:8px;padding:10px 14px;font-size:14px;display:flex;flex-wrap:wrap;gap:8px 14px;align-items:center}
.banner .sp{flex:1;min-width:200px}
.btn{border:1px solid var(--line-strong);background:var(--surface);color:var(--ink);border-radius:7px;padding:8px 14px;cursor:pointer;font-weight:500;font-size:14px}
.btn:hover{border-color:var(--brand)}
.btn.primary{background:var(--brand);border-color:var(--brand);color:var(--brand-ink);font-weight:600}
.btn.primary:hover{filter:brightness(1.07)}
.btn.small{padding:5px 10px;font-size:13px}
.btn[disabled]{opacity:.55;cursor:wait}

.sec{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:20px 22px 22px;scroll-margin-top:16px}
.sec-h{display:flex;gap:12px;align-items:baseline;margin-bottom:4px}
.sec-h .n{font-family:var(--f-mono);font-size:12px;color:var(--brand);letter-spacing:.06em}
.sec-h h2{font-size:1.08rem;font-weight:650}
.sec-sub{color:var(--muted);font-size:14px;margin:0 0 16px}
.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px}
.grid.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.f{display:grid;gap:5px;min-width:0}
.f.span2{grid-column:1/-1}
.f>label,.f>.lbl{font-size:11.5px;letter-spacing:.07em;text-transform:uppercase;color:var(--muted);font-weight:600}
.f .req{color:var(--brand);margin-left:2px}
.f input[type=text],.f input[type=email],.f input[type=tel],.f select,.f textarea{width:100%;background:var(--field);border:1px solid var(--line-strong);border-radius:7px;padding:9px 11px;min-height:40px}
.f textarea{min-height:68px;resize:vertical}
.f input:hover,.f select:hover,.f textarea:hover{border-color:var(--brand)}
.f.bad input,.f.bad select,.f.bad textarea,.f.bad .opts{border-color:var(--err)}
.f .err{color:var(--err);font-size:12.5px;display:none}
.f.bad .err{display:block}
.f .hint{color:var(--muted);font-size:12.5px}
.opts{display:flex;flex-wrap:wrap;gap:8px;border:1px solid transparent;border-radius:8px}
.opt{position:relative}
.opt input{position:absolute;opacity:0;inset:0;cursor:pointer}
.opt span{display:inline-block;border:1px solid var(--line-strong);border-radius:999px;padding:6px 13px;font-size:14px;background:var(--field)}
.opt input:checked+span{background:var(--brand);border-color:var(--brand);color:var(--brand-ink);font-weight:600}
.opt input:focus-visible+span{outline:2px solid var(--sky);outline-offset:2px}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:14px}
.chk input{margin-top:3px;width:17px;height:17px;accent-color:var(--brand);flex:none}
.sub-h{grid-column:1/-1;font-size:13px;font-weight:650;color:var(--ink);margin-top:6px;padding-top:12px;border-top:1px dashed var(--line)}
.sub-h:first-child{border-top:0;padding-top:0;margin-top:0}
details.more{border-top:1px solid var(--line);margin-top:16px;padding-top:14px}
details.more summary{cursor:pointer;font-weight:600;color:var(--brand);font-size:14px}
details.more[open] summary{margin-bottom:14px}

.drop{border:1.5px dashed var(--line-strong);border-radius:9px;padding:16px;display:flex;flex-wrap:wrap;gap:12px;align-items:center;background:var(--field)}
.drop.over{border-color:var(--sky);background:var(--brand-soft)}
.drop .ico{width:36px;height:44px;border:1.5px solid var(--brand);border-radius:4px;position:relative;flex:none}
.drop .ico::after{content:"PDF";position:absolute;bottom:5px;left:0;right:0;text-align:center;font-family:var(--f-mono);font-size:9px;color:var(--brand)}
.drop .txt{flex:1;min-width:180px;font-size:14px}
.drop .txt b{display:block}
.drop .txt small{color:var(--muted)}
.legal{font-size:13px;color:var(--muted);background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:12px 14px;line-height:1.55}
.submit-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between}
.submit-row .fine{color:var(--muted);font-size:13px;max-width:52ch}
.formerr{color:var(--err);font-weight:600;font-size:14px}

/* results */
.res-top{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:20px 22px;display:flex;flex-wrap:wrap;gap:14px 20px;align-items:center}
.res-top .ok{width:40px;height:40px;border-radius:50%;background:var(--ok-soft);color:var(--ok);display:grid;place-items:center;font-size:22px;font-weight:700;flex:none}
.res-top h2{font-size:1.25rem}
.res-top p{margin:2px 0 0;color:var(--muted)}
.res-top .acts{margin-left:auto;display:flex;flex-wrap:wrap;gap:8px}
.res-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:18px;align-items:start}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:18px 20px;min-width:0}
.panel h3{font-size:.98rem;font-weight:650;margin-bottom:10px}
.pages{display:grid;gap:12px;max-height:880px;overflow:auto;padding:4px;background:var(--bg);border-radius:8px}
.pages canvas{width:100%;height:auto;background:#fff;box-shadow:0 1px 3px rgba(10,30,50,.18);border-radius:2px}
.pg-cap{font-size:12px;color:var(--muted);font-family:var(--f-mono)}
.route{display:grid;gap:14px;list-style:none;margin:0;padding:0}
.route>li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:10px}
.route .st{width:24px;height:24px;border-radius:50%;background:var(--ok-soft);color:var(--ok);display:grid;place-items:center;font-size:13px;font-weight:700}
.route .st.next{background:var(--brand-soft);color:var(--brand)}
.route h4{margin:1px 0 6px;font-size:14.5px;font-weight:650}
.tree{font-family:var(--f-mono);font-size:12.5px;background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:10px 12px;overflow-x:auto;white-space:pre;line-height:1.7}
.mail{border:1px solid var(--line);border-radius:8px;overflow:hidden;font-size:13.5px}
.mail .mh{background:var(--bg);padding:8px 12px;display:grid;gap:2px;border-bottom:1px solid var(--line)}
.mail .mh div{display:flex;gap:8px;min-width:0}
.mail .mh dt{color:var(--muted);width:52px;flex:none}
.mail .mh dd{margin:0;min-width:0;overflow-wrap:anywhere}
.mail .mb{padding:10px 12px;display:grid;gap:6px}
.kv{display:grid;grid-template-columns:auto minmax(0,1fr);gap:3px 12px}
.kv dt{color:var(--muted)}
.kv dd{margin:0;font-variant-numeric:tabular-nums;overflow-wrap:anywhere}
.lock{font-size:12.5px;color:var(--ok);display:flex;gap:6px;align-items:center}
.toast{position:fixed;left:50%;transform:translateX(-50%);bottom:calc(18px + env(safe-area-inset-bottom,0px));background:var(--ink);color:var(--bg);padding:9px 16px;border-radius:8px;font-size:14px;z-index:20}
.spin{display:inline-block;width:14px;height:14px;border:2px solid currentColor;border-right-color:transparent;border-radius:50%;animation:sp .8s linear infinite;vertical-align:-2px;margin-right:6px}
@keyframes sp{to{transform:rotate(360deg)}}
@media (prefers-reduced-motion:reduce){.spin{animation:none}}

@media (max-width:880px){
  .main{grid-template-columns:minmax(0,1fr)}
  .index{display:none}
  .res-grid{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:600px){
  .grid,.grid.g3{grid-template-columns:minmax(0,1fr)}
  .sec{padding:16px}
  .head .titles{flex-basis:100%}
  .head h1{font-size:1.25rem}
  
  .res-top .acts{margin-left:0}
}

/* live-site additions */
.testbar{background:var(--demo-bg);color:var(--demo-fg);font-size:13px}
.testbar .wrap{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;padding-block:8px}
.testbar .tag{font-family:var(--f-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--demo-bg);background:var(--demo-accent);padding:2px 7px;border-radius:3px;font-weight:500}
.testbar .btn{background:transparent;color:var(--demo-fg);border-color:#2C4A63}
.testbar .sp{flex:1;min-width:200px}
.closed{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:28px 24px;text-align:center}
.thanks{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:28px 24px;display:grid;gap:12px;justify-items:start}
.thanks .ok{width:44px;height:44px;border-radius:50%;background:var(--ok-soft);color:var(--ok);display:grid;place-items:center;font-size:24px;font-weight:700}
.thanks h2{font-size:1.35rem}
.thanks p{margin:0;color:var(--muted);max-width:60ch}
.pdfview{width:100%;height:820px;border:1px solid var(--line);border-radius:8px;background:#fff}
.dl{color:var(--brand);font-weight:600;text-decoration:none}
.dl:hover{text-decoration:underline}
.ts{min-height:65px}
.foot{color:var(--muted);font-size:12.5px;padding-block:0 32px}

a.btn{text-decoration:none;display:inline-flex;align-items:center}