:root {
  color-scheme: light;
  --ink: #18252b;
  --muted: #66757d;
  --line: #d9e2e0;
  --paper: #f7faf8;
  --white: #ffffff;
  --teal: #147d78;
  --teal-dark: #0f5f62;
  --gold: #c1842f;
  --coral: #d85b4a;
  --shadow: 0 18px 50px rgba(24, 37, 43, 0.12);
}

* {
  box-sizing: border-box;
}

[hidden] {
  display: none !important;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: "Noto Sans TC", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  letter-spacing: 0;
}

.admin-page {
  min-height: 100vh;
  background: #eef5f2;
}

a {
  color: inherit;
  text-decoration: none;
}

.inline-link {
  color: var(--teal-dark);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.link-button {
  display: inline;
  min-height: 0;
  padding: 0;
  border: 0;
  border-radius: 0;
  background: transparent;
  color: var(--teal-dark);
  cursor: pointer;
  font: inherit;
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

button,
input,
select,
textarea {
  font: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px clamp(18px, 4vw, 56px);
  border-bottom: 1px solid rgba(217, 226, 224, 0.9);
  background: rgba(247, 250, 248, 0.92);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-width: max-content;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 8px;
  background: var(--teal);
  color: var(--white);
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 12px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 18px;
  color: #334348;
  font-size: 15px;
}

.main-nav a {
  color: #334348;
  font-weight: 700;
  transition: color 160ms ease;
}

.main-nav a:hover,
.main-nav a.is-active {
  color: var(--teal);
}

.icon-button,
.primary-action,
.secondary-action {
  display: inline-flex;
  min-height: 42px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: 0;
  border-radius: 8px;
  cursor: pointer;
  font-weight: 700;
  white-space: nowrap;
}

.icon-button {
  padding: 0 14px;
  background: #e8f1ee;
  color: var(--teal-dark);
}

.primary-action {
  padding: 0 18px;
  background: var(--teal);
  color: var(--white);
  box-shadow: 0 10px 22px rgba(20, 125, 120, 0.22);
}

.primary-action:disabled,
.secondary-action:disabled,
.page-button:disabled {
  cursor: not-allowed;
  opacity: 0.55;
  box-shadow: none;
}

.secondary-action {
  padding: 0 18px;
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--ink);
}

.compact {
  min-height: 48px;
}

.full {
  width: 100%;
}

.hero {
  display: grid;
  min-height: 78vh;
  grid-template-columns: minmax(0, 1.1fr) minmax(300px, 0.9fr);
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
  padding: clamp(44px, 8vw, 96px) clamp(18px, 6vw, 88px) 40px;
  background:
    linear-gradient(120deg, rgba(20, 125, 120, 0.94), rgba(24, 37, 43, 0.72)),
    url("https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1800&q=80") center/cover;
  color: var(--white);
}

.home-hero {
  min-height: 72vh;
}

.compact-hero {
  min-height: 54vh;
}

.hero h1 {
  margin: 10px 0 16px;
  font-size: clamp(56px, 9vw, 108px);
  line-height: 0.95;
}

.hero-lead {
  max-width: 680px;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(18px, 2.4vw, 26px);
  line-height: 1.6;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.hero-panel {
  display: grid;
  gap: 12px;
  align-self: end;
}

.proof-panel {
  align-self: center;
}

.hero-panel > div {
  display: grid;
  gap: 6px;
  padding: 18px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(10px);
}

.proof-panel strong {
  position: relative;
  display: block;
  font-size: clamp(26px, 4vw, 44px);
  line-height: 1.1;
}

.proof-panel strong.count-updated {
  animation: countRoll 0.7s ease both;
}

.proof-panel strong.count-updated::after {
  content: attr(data-delta);
  position: absolute;
  left: calc(100% + 10px);
  top: 6px;
  min-width: 42px;
  padding: 4px 9px;
  border-radius: 999px;
  background: rgba(15, 143, 127, 0.95);
  color: #fff;
  font-size: 16px;
  line-height: 1.2;
  text-align: center;
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.2);
  animation: countDeltaFloat 0.85s ease both;
}

.proof-panel span {
  color: rgba(255, 255, 255, 0.82);
}

@keyframes countRoll {
  0% {
    transform: translateY(0);
  }
  35% {
    transform: translateY(-8px);
  }
  70% {
    transform: translateY(3px);
  }
  100% {
    transform: translateY(0);
  }
}

@keyframes countDeltaFloat {
  0% {
    opacity: 0;
    transform: translateY(10px);
  }
  25% {
    opacity: 1;
  }
  100% {
    opacity: 0;
    transform: translateY(-14px);
  }
}

.action-panel {
  align-self: center;
}

.action-panel article {
  display: grid;
  gap: 12px;
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.26);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.14);
  backdrop-filter: blur(10px);
}

.action-panel h2 {
  margin: 0;
  color: var(--white);
  font-size: clamp(34px, 5vw, 54px);
}

.action-panel p {
  margin: 0;
  color: rgba(255, 255, 255, 0.84);
}

.metric {
  font-size: clamp(26px, 4vw, 40px);
  font-weight: 800;
}

.metric-label {
  color: rgba(255, 255, 255, 0.78);
}

.section-band {
  border-block: 1px solid var(--line);
  background: var(--white);
}

.section-inner {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto;
  padding: 54px 0;
}

.filter-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1.5fr auto;
  gap: 16px;
  align-items: end;
}

.compact-filters {
  grid-template-columns: 1fr 1fr 1.4fr auto;
  margin-bottom: 18px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.amount-range {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}

label {
  display: grid;
  gap: 8px;
  color: #314247;
  font-weight: 700;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--ink);
  padding: 12px 14px;
  outline: none;
}

textarea {
  min-height: 104px;
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(20, 125, 120, 0.14);
}

.split-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 28px;
  align-items: start;
}

.request-board-section {
  max-width: 1120px;
}

.section-subtitle {
  max-width: 680px;
  margin: 8px 0 0;
  color: var(--muted);
  line-height: 1.7;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.process-grid article {
  display: grid;
  gap: 10px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.process-grid h2 {
  font-size: 24px;
}

.quick-start-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.single-card-grid {
  grid-template-columns: minmax(0, 1fr);
  max-width: 760px;
  margin-inline: auto;
}

.seo-hub-section:has(.single-card-grid) {
  text-align: center;
}

.seo-hub-section:has(.single-card-grid) .quick-card {
  text-align: left;
}

.quick-card,
.terms-card,
.safety-strip {
  display: grid;
  gap: 12px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(24, 37, 43, 0.06);
}

.quick-card h2 {
  font-size: clamp(32px, 4vw, 48px);
}

.benefit-grid,
.case-grid,
.article-grid {
  display: grid;
  gap: 16px;
}

.benefit-grid,
.case-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.article-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.benefit-card,
.case-card,
.article-card {
  display: grid;
  gap: 10px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.benefit-card strong,
.case-card strong {
  font-size: 22px;
}

.article-card h2 {
  font-size: clamp(24px, 3vw, 34px);
}

.content-hero {
  padding: clamp(54px, 8vw, 96px) 0 34px;
  border-bottom: 1px solid var(--line);
  background: #eef6f3;
}

.content-hero h1 {
  margin: 8px 0 14px;
  font-size: clamp(42px, 7vw, 76px);
  line-height: 1.05;
}

.content-hero p:not(.eyebrow) {
  max-width: 820px;
  color: var(--muted);
  font-size: 20px;
  line-height: 1.7;
}

.article-hero h1 {
  max-width: 960px;
}

.article-layout {
  display: grid;
  gap: 30px;
  max-width: 980px;
}

.article-image-placeholder {
  width: 100%;
  min-height: clamp(220px, 34vw, 420px);
  border-radius: 8px;
  background: #050505;
}

.article-hero-image {
  margin: 0;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #071f20;
  box-shadow: var(--shadow);
}

.article-hero-image img {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

.article-cover-card {
  display: grid;
  gap: 14px;
  min-height: clamp(240px, 34vw, 420px);
  align-content: end;
  padding: clamp(24px, 4vw, 44px);
  border-radius: 8px;
  color: #ffffff;
  background:
    linear-gradient(135deg, rgba(7, 82, 78, 0.9), rgba(5, 5, 5, 0.72)),
    radial-gradient(circle at 18% 20%, rgba(255, 255, 255, 0.18), transparent 28%),
    #071f20;
}

.article-cover-card span {
  width: fit-content;
  padding: 7px 12px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: 999px;
  font-weight: 800;
}

.article-cover-card strong {
  max-width: 720px;
  font-size: clamp(32px, 5vw, 58px);
  line-height: 1.1;
}

.article-cover-card p {
  max-width: 680px;
  margin: 0;
  color: rgba(255, 255, 255, 0.84);
  font-size: 18px;
}

.article-content {
  display: grid;
  gap: 18px;
  color: var(--ink);
  line-height: 1.85;
}

.article-summary-box,
.article-toc {
  display: grid;
  gap: 12px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.article-summary-box h2 {
  margin: 0;
  padding: 0;
  border: 0;
  font-size: clamp(24px, 3vw, 32px);
}

.article-toc {
  grid-template-columns: auto repeat(4, auto);
  align-items: center;
  overflow-x: auto;
}

.article-toc a {
  color: var(--teal);
  font-weight: 800;
  white-space: nowrap;
}

.article-content h2 {
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  font-size: clamp(26px, 4vw, 38px);
  line-height: 1.25;
}

.article-content h2:first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
}

.article-content h3 {
  margin-top: 10px;
  font-size: clamp(20px, 2.5vw, 26px);
  line-height: 1.35;
}

.article-content p,
.article-content li {
  color: var(--muted);
  font-size: 17px;
}

.article-content ul,
.article-content ol {
  display: grid;
  gap: 8px;
  padding-left: 24px;
}

.article-table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
}

.article-table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  background: var(--white);
}

.article-table th,
.article-table td {
  padding: 14px;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

.article-table th {
  color: var(--ink);
  background: #eef6f3;
}

.article-table tr:last-child td {
  border-bottom: 0;
}

.seo-hub-section {
  border-top: 1px solid var(--line);
}

.seo-hub-section > h2 {
  margin: 8px 0 24px;
  font-size: clamp(32px, 5vw, 52px);
}

.faq-layout {
  display: grid;
  gap: 16px;
}

.final-cta .section-inner {
  display: grid;
  gap: 16px;
  justify-items: center;
  text-align: center;
}

.terms-section {
  display: grid;
  gap: 20px;
}

.terms-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.terms-card h3 {
  margin-bottom: 0;
  font-size: 22px;
}

.terms-card ul {
  display: grid;
  gap: 8px;
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.safety-strip {
  width: min(1180px, calc(100% - 36px));
  margin: 0 auto 54px;
}

.member-center-notice {
  width: min(760px, 100%);
  margin: 0 auto;
}

.demand-page {
  padding-top: clamp(42px, 7vw, 84px);
}

.single-column-form {
  max-width: 900px;
  grid-template-columns: 1fr;
}

.single-column-form .borrower-form-heading {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.single-column-form .request-form {
  width: min(760px, 100%);
  margin: 0 auto;
}

.step-number {
  display: grid;
  width: 34px;
  height: 34px;
  place-items: center;
  border-radius: 999px;
  background: var(--teal);
  color: var(--white);
  font-weight: 800;
}

.form-stepper {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.step-pill {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 0 14px;
  border-radius: 999px;
  background: #e8f1ee;
  color: var(--muted);
  font-weight: 800;
}

.step-pill.is-active {
  background: var(--teal);
  color: var(--white);
}

.form-step {
  display: grid;
  gap: 18px;
}

.step-heading {
  display: grid;
  gap: 6px;
}

.step-heading h2 {
  font-size: clamp(24px, 3vw, 34px);
}

.step-heading p {
  margin: 0;
  color: var(--muted);
}

.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 20px;
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

h2,
h3,
p {
  margin-top: 0;
}

h2 {
  margin-bottom: 0;
  font-size: clamp(28px, 4vw, 42px);
}

.status-pill {
  display: inline-flex;
  align-items: center;
  min-height: 34px;
  padding: 0 12px;
  border-radius: 999px;
  background: #e8f1ee;
  color: var(--teal-dark);
  font-weight: 800;
}

.request-list {
  display: grid;
  gap: 14px;
}

.pagination {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  justify-content: center;
  margin-top: 18px;
}

.page-button {
  min-width: 42px;
  min-height: 38px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--ink);
  cursor: pointer;
  font-weight: 800;
}

.page-button.active {
  border-color: var(--teal);
  background: var(--teal);
  color: var(--white);
}

.request-card {
  display: grid;
  gap: 10px;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(24, 37, 43, 0.06);
  cursor: pointer;
  color: inherit;
  text-decoration: none;
  text-align: left;
}

.request-card.is-active-request {
  border-color: #7ccbc1;
  box-shadow: 0 10px 26px rgba(18, 132, 119, 0.13);
}

.request-card.is-completed {
  background: #fbfcfb;
  border-color: #dfe6e3;
  box-shadow: none;
}

.request-card:hover,
.request-card:focus-visible {
  border-color: var(--teal);
  outline: none;
  transform: translateY(-1px);
}

.request-proof-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 14px;
  color: var(--muted);
  font-size: 14px;
  font-weight: 700;
}

.request-proof-row span {
  display: inline-flex;
  align-items: center;
  min-height: 26px;
  padding: 0 10px;
  border-radius: 999px;
  background: #f0f5f2;
}

.request-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.request-main-line {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 14px;
}

.request-main-line > span {
  color: var(--muted);
  font-weight: 700;
}

.request-main-line .method-pill {
  min-height: 28px;
  align-items: center;
  padding: 3px 10px;
  border-radius: 999px;
  background: #e8f1ee;
  color: var(--teal-dark);
  font-weight: 800;
}

.request-main-line .request-status {
  display: inline-flex;
  min-height: 28px;
  align-items: center;
  padding: 3px 10px;
  border-radius: 999px;
  background: #f3f5f4;
  color: #5c6b70;
  border: 1px solid #d9e1df;
  font-weight: 800;
}

.request-main-line .request-status.active {
  background: #0f8f7f;
  color: #ffffff;
  border-color: #0f8f7f;
}

.request-main-line .request-status.completed {
  background: #f0f3f1;
  color: #687572;
  border-color: #d8e0dd;
}

.request-title {
  margin: 0;
  font-size: 22px;
}

.tag-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.tag {
  display: inline-flex;
  align-items: center;
  min-height: 30px;
  padding: 0 10px;
  border-radius: 999px;
  background: #f0f5f2;
  color: #415159;
  font-size: 14px;
  font-weight: 700;
}

.line-badge {
  display: inline-flex;
  min-height: 24px;
  align-items: center;
  margin-right: 8px;
  padding: 0 7px;
  border-radius: 6px;
  background: #06c755;
  color: white;
  font-size: 12px;
  font-weight: 800;
  vertical-align: middle;
}

.line-link {
  color: var(--teal-dark);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.private-box {
  display: grid;
  gap: 8px;
  padding: 14px;
  border: 1px solid #efd8b4;
  border-radius: 8px;
  background: #fff8ec;
}

.private-box.locked {
  color: #765332;
}

.private-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.member-sidebar {
  display: grid;
  gap: 14px;
  position: sticky;
  top: 92px;
}

.plain-list {
  display: grid;
  gap: 10px;
  margin: 0 0 18px;
  padding-left: 20px;
  color: var(--muted);
}

.sidebar-block,
.plan-card {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(24, 37, 43, 0.06);
}

.sidebar-block.warning {
  border-color: rgba(216, 91, 74, 0.28);
  background: #fff4f1;
}

.form-layout {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: clamp(28px, 5vw, 70px);
  align-items: start;
}

.borrower-form-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px);
  justify-content: center;
  gap: 24px;
}

.lender-form-layout {
  display: grid;
  grid-template-columns: minmax(0, 760px);
  justify-content: center;
  gap: 24px;
}

.borrower-form-heading {
  display: grid;
  justify-items: center;
  width: min(760px, 100%);
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
}

.borrower-form-heading .eyebrow {
  width: 100%;
  font-size: clamp(24px, 4vw, 42px);
  line-height: 1;
}

.borrower-form-heading p:not(.eyebrow) {
  max-width: 560px;
}

.borrower-form-heading h2 {
  font-size: clamp(48px, 7vw, 76px);
}

.wide-login {
  min-width: min(100%, 300px);
}

.detail-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 12px;
}

.request-form {
  display: grid;
  gap: 16px;
}

.form-fieldset {
  display: grid;
  gap: 16px;
  margin: 0;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.form-fieldset legend {
  padding: 0 8px;
  color: var(--teal-dark);
  font-weight: 800;
}

.member-mode-banner {
  padding: 14px 16px;
  border: 1px solid rgba(20, 125, 120, 0.24);
  border-radius: 8px;
  background: #ecf7f5;
  color: var(--teal-dark);
  font-weight: 700;
}

.segmented-control {
  display: inline-flex;
  gap: 4px;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.segment {
  min-height: 38px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font-weight: 800;
  padding: 0 14px;
}

.segment.active {
  background: var(--teal);
  color: var(--white);
}

.member-panels {
  display: grid;
}

.member-panel {
  display: none;
  gap: 16px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(24, 37, 43, 0.06);
}

.member-panel.active {
  display: grid;
}

.notice-box {
  padding: 16px;
  border-radius: 8px;
  background: #fff0bf;
  color: #6a4a00;
  font-weight: 800;
}

.step-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.step-tabs span {
  display: inline-flex;
  min-height: 34px;
  align-items: center;
  padding: 0 12px;
  border-radius: 999px;
  background: #edf3f1;
  color: var(--muted);
  font-weight: 800;
}

.step-tabs span.active {
  background: var(--coral);
  color: var(--white);
}

.check-row {
  display: grid;
  grid-template-columns: 18px minmax(0, 1fr);
  gap: 10px;
  align-items: start;
  color: var(--ink);
  font-weight: 600;
}

.check-row input {
  width: 18px;
  min-height: 18px;
  margin-top: 3px;
  padding: 0;
}

.check-row input:disabled {
  cursor: not-allowed;
  opacity: 0.55;
}

.locked-hint {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-weight: 700;
}

.agreement-list {
  display: grid;
  gap: 10px;
}

.payment-form {
  align-content: start;
}

.payment-box {
  display: grid;
  gap: 14px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.payment-box h3 {
  margin-bottom: 0;
  font-size: 24px;
}

.plan-options {
  display: grid;
  gap: 10px;
}

.region-checklist {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px 14px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.region-checklist legend {
  padding: 0 8px;
  color: var(--teal-dark);
  font-weight: 800;
}

.region-checklist label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 32px;
  font-weight: 700;
}

.region-checklist input {
  width: 18px;
  min-height: 18px;
  padding: 0;
}

.radio-row {
  display: grid;
  grid-template-columns: 18px minmax(0, 1fr);
  gap: 10px;
  align-items: start;
  color: var(--ink);
  font-weight: 600;
}

.radio-row input {
  width: 18px;
  min-height: 18px;
  margin-top: 3px;
  padding: 0;
}

.invoice-section {
  display: grid;
  gap: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--line);
}

.payment-hint {
  margin: 0;
  padding: 12px 14px;
  border: 1px solid rgba(20, 125, 120, 0.22);
  border-radius: 8px;
  background: #eefaf7;
  color: var(--muted);
  font-weight: 700;
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.sms-row {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  gap: 16px;
  align-items: end;
}

.form-note {
  margin: 0;
  color: var(--muted);
}

.member-center {
  display: grid;
  gap: 24px;
}

.member-login-card {
  width: min(760px, 100%);
  margin: 0 auto;
}

.member-dashboard {
  display: grid;
  grid-template-columns: minmax(300px, 0.85fr) minmax(0, 1.15fr);
  gap: 16px;
  align-items: start;
}

.plan-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.plan-card.highlighted {
  border-color: rgba(20, 125, 120, 0.45);
  box-shadow: var(--shadow);
}

.price {
  color: var(--teal);
  font-size: 28px;
  font-weight: 800;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 26px clamp(18px, 4vw, 56px);
  border-top: 1px solid var(--line);
  color: var(--muted);
}

.admin-shell {
  width: min(1440px, calc(100% - 32px));
  margin: 0 auto;
  padding: 32px 0;
}

.admin-login {
  display: grid;
  width: min(620px, 100%);
  gap: 24px;
  margin: 6vh auto 0;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.admin-dashboard {
  display: grid;
  grid-template-columns: 240px minmax(0, 1fr);
  gap: 22px;
  align-items: start;
}

.admin-nav {
  position: sticky;
  top: 22px;
  display: grid;
  gap: 18px;
  min-height: calc(100vh - 64px);
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
  box-shadow: 0 8px 24px rgba(24, 37, 43, 0.06);
}

.admin-nav h1 {
  font-size: 28px;
}

.admin-nav nav {
  display: grid;
  gap: 8px;
}

.admin-nav a {
  display: flex;
  align-items: center;
  min-height: 42px;
  padding: 0 12px;
  border-radius: 8px;
  color: var(--ink);
  font-weight: 800;
}

.admin-nav a:hover {
  background: #eef6f4;
  color: var(--teal-dark);
}

.admin-nav .secondary-action {
  align-self: end;
}

.admin-workspace {
  display: grid;
  gap: 18px;
}

.admin-topbar {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 18px;
  padding: 4px 0 8px;
}

.admin-topbar h2 {
  font-size: 34px;
}

.admin-stats {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.admin-stats article {
  display: grid;
  gap: 6px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #ffffff;
}

.admin-stats strong {
  font-size: 30px;
  line-height: 1;
}

.admin-stats span {
  color: var(--muted);
  font-weight: 800;
}

.admin-panel {
  display: grid;
  align-content: start;
  gap: 12px;
  padding: 16px;
  box-shadow: none;
}

.admin-panel-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}

.admin-panel-head h2 {
  font-size: 26px;
}

.admin-panel .status-pill {
  white-space: nowrap;
}

.admin-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  grid-template-areas:
    "borrowers requests"
    "lenders reports"
    "applications applications"
    "security security";
  gap: 14px;
}

#adminApplications {
  grid-area: applications;
}

#adminReports {
  grid-area: reports;
}

#adminRequests {
  grid-area: requests;
}

#adminLenders {
  grid-area: lenders;
}

#adminBorrowers {
  grid-area: borrowers;
}

#adminSecurity {
  grid-area: security;
}

.admin-list {
  display: grid;
  gap: 12px;
}

.admin-search {
  display: grid;
  gap: 6px;
  font-weight: 800;
}

.admin-search input {
  min-height: 44px;
}

.admin-pagination {
  margin-top: 4px;
  justify-content: flex-start;
}

.admin-row {
  display: grid;
  gap: 8px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.admin-row.is-linked {
  border-color: rgba(20, 125, 120, 0.65);
  background: #eefaf7;
  box-shadow: 0 0 0 3px rgba(20, 125, 120, 0.12);
  animation: linkedRowRise 360ms ease both;
}

@keyframes linkedRowRise {
  from {
    opacity: 0.3;
    transform: translateY(26px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.admin-row.warning-row {
  border-color: rgba(216, 91, 74, 0.38);
  background: #fff8f5;
}

.compact-list .admin-row {
  box-shadow: none;
}

.admin-row > strong {
  font-size: 18px;
}

.admin-row > span {
  color: var(--muted);
  font-weight: 700;
}

.admin-row.linkable-row {
  cursor: pointer;
}

.admin-row.linkable-row:hover {
  border-color: rgba(20, 125, 120, 0.35);
}

.admin-row details summary {
  display: inline-flex;
  min-height: 42px;
  width: fit-content;
  align-items: center;
  justify-content: center;
  padding: 0 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  color: var(--ink);
  cursor: pointer;
  font-weight: 800;
  list-style: none;
}

.admin-row details summary::-webkit-details-marker {
  display: none;
}

.admin-row details summary:hover {
  border-color: rgba(20, 125, 120, 0.5);
  color: var(--teal-dark);
}

.admin-row details[open] > summary {
  background: #eef7f5;
  border-color: rgba(20, 125, 120, 0.45);
  color: var(--teal-dark);
}

.admin-detail {
  display: grid;
  gap: 6px;
  margin-top: 8px;
  color: var(--muted);
}

.admin-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.detail-action-row {
  align-items: flex-start;
}

.detail-action-row > details {
  display: grid;
  gap: 8px;
  min-width: min(100%, 180px);
}

.admin-member-form {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 8px;
}

.admin-member-form .wide-field {
  grid-column: 1 / -1;
}

.admin-member-form .admin-actions {
  grid-column: 1 / -1;
}

.member-edit-panel {
  margin-top: 12px;
}

.danger-action {
  border-color: rgba(216, 91, 74, 0.45);
  color: #b33126;
}

button:disabled {
  cursor: not-allowed;
  opacity: 0.55;
  box-shadow: none;
}

body.modal-open {
  overflow: hidden;
}

.modal-backdrop {
  position: fixed;
  inset: 0;
  z-index: 40;
  display: grid;
  place-items: center;
  padding: 20px;
  background: rgba(24, 37, 43, 0.48);
}

.modal-panel {
  display: grid;
  width: min(560px, 100%);
  gap: 16px;
  padding: 22px;
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.modal-panel.wide {
  width: min(760px, 100%);
}

#requestDetailModal {
  align-items: center;
  overflow: hidden;
  overscroll-behavior: contain;
}

#requestDetailModal .modal-panel {
  grid-template-rows: auto minmax(0, 1fr);
  height: calc(100vh - 40px);
  max-height: calc(100vh - 40px);
  overflow: hidden;
}

#requestDetailModal .modal-heading {
  position: sticky;
  top: 0;
  z-index: 2;
  padding-bottom: 4px;
  background: var(--white);
}

#requestDetailBody {
  display: grid;
  gap: 12px;
  min-height: 0;
  max-height: 100%;
  overflow-y: auto;
  overscroll-behavior: contain;
  padding-right: 4px;
}

.terms-modal {
  max-height: min(86vh, 820px);
  overflow: hidden;
}

.terms-modal-body {
  display: grid;
  gap: 12px;
  max-height: min(52vh, 480px);
  overflow: auto;
  padding-right: 6px;
}

.terms-modal-body article {
  display: grid;
  gap: 8px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.terms-modal-body h3 {
  margin-bottom: 0;
  font-size: 20px;
}

.terms-modal-body ul,
.terms-modal-body ol {
  display: grid;
  gap: 6px;
  margin: 0;
  padding-left: 20px;
}

.modal-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.modal-heading h2 {
  font-size: 28px;
}

.request-detail-hero {
  text-align: center;
  border-bottom: 1px solid var(--line);
}

.request-detail-hero .page-shell {
  display: grid;
  justify-items: center;
}

.request-detail-hero h1 {
  max-width: 980px;
  font-size: 56px;
  line-height: 1.12;
  text-wrap: balance;
  overflow-wrap: anywhere;
}

.request-detail-hero p:not(.eyebrow) {
  max-width: 720px;
}

.request-detail-hero .detail-actions {
  justify-content: center;
}

.request-detail-page {
  max-width: 980px;
}

.request-detail-card {
  display: grid;
  gap: 18px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.request-detail-header {
  display: grid;
  gap: 8px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}

.request-detail-header h2 {
  font-size: clamp(30px, 5vw, 48px);
}

.request-detail-header p:not(.eyebrow) {
  color: var(--muted);
  font-weight: 700;
}

.detail-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.detail-item {
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.detail-lock {
  padding: 18px;
  border: 1px solid #efd8b4;
  border-radius: 8px;
  background: #fff8ec;
  color: #765332;
}

.detail-lock.completed-lock {
  border-color: #d8e0dd;
  background: #f5f8f6;
  color: #4f5d5b;
}

.risk-notice {
  padding: 16px;
  border-radius: 8px;
  background: #fff4f1;
  color: #b33126;
}

.risk-notice ol {
  margin: 8px 0 0;
  padding-left: 22px;
}

.message-board {
  display: grid;
  gap: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--line);
}

.report-box {
  display: grid;
  gap: 12px;
  padding: 16px;
  border: 1px solid rgba(216, 91, 74, 0.28);
  border-radius: 8px;
  background: #fff8f5;
}

.report-box h3 {
  margin-bottom: 0;
}

.message-list {
  display: grid;
  gap: 10px;
}

.message-item {
  display: grid;
  gap: 4px;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fbfdfc;
}

.message-item span {
  color: var(--muted);
  font-size: 14px;
}

.message-item p {
  margin: 0;
}

@media (max-width: 900px) {
  .site-header,
  .main-nav {
    align-items: stretch;
    flex-direction: column;
  }

  .main-nav {
    gap: 10px;
  }

  .hero,
  .split-layout,
  .form-layout,
  .filter-grid,
  .member-dashboard,
  .plan-grid,
  .quick-start-grid,
  .terms-grid,
  .benefit-grid,
  .case-grid,
  .article-grid,
  .process-grid,
  .admin-dashboard,
  .admin-grid,
  .admin-member-form,
  .region-checklist {
    grid-template-columns: 1fr;
  }

  .admin-nav {
    position: static;
    min-height: auto;
  }

  .admin-nav nav {
    grid-template-columns: repeat(5, minmax(0, 1fr));
  }

  .admin-nav a {
    justify-content: center;
    text-align: center;
  }

  .admin-stats {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .admin-grid {
    grid-template-areas:
      "applications"
      "reports"
      "requests"
      "lenders"
      "borrowers"
      "security";
  }

  .hero {
    min-height: auto;
  }

  .member-sidebar {
    position: static;
  }
}

@media (max-width: 560px) {
  .modal-backdrop {
    padding: 10px;
  }

  #requestDetailModal .modal-panel {
    height: calc(100vh - 20px);
    max-height: calc(100vh - 20px);
  }

  .form-row,
  .private-grid,
  .sms-row,
  .article-toc {
    grid-template-columns: 1fr;
  }

  .request-top,
  .section-heading,
  .site-footer,
  .segmented-control,
  .modal-heading,
  .admin-topbar {
    align-items: start;
    flex-direction: column;
  }

  .admin-nav nav,
  .admin-stats {
    grid-template-columns: 1fr;
  }

  .detail-grid {
    grid-template-columns: 1fr;
  }

  .request-detail-hero h1 {
    font-size: 42px;
  }

  .request-detail-hero .detail-actions {
    width: 100%;
  }

  .request-detail-hero .detail-actions a {
    flex: 1 1 160px;
    justify-content: center;
  }

  .segment {
    width: 100%;
  }

  .hero-actions a,
  .secondary-action,
  .primary-action {
    width: 100%;
  }
}

@media (max-width: 420px) {
  .request-detail-hero h1 {
    font-size: 34px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .admin-row.is-linked {
    animation: none;
  }
}