:root{--bg:#fff;--surface:#fff;--text:#1a1a1a;--muted:#6b7280;--border:#e5e7eb;--brand:#00a651;--brand-strong:#00823f;--success:#00a651;--warning:#b45309;--danger:#991b1b}*{box-sizing:border-box}html,body{height:100%;margin:0;padding:0}.sr-only{clip:rect(0, 0, 0, 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.demo-creds{border:1px dashed var(--border);background:#f8faf8;border-radius:10px;justify-items:start;gap:8px;margin-top:16px;padding:12px 14px;display:grid}.demo-creds strong{text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-size:12px}.demo-creds code{font-size:13px}.demo-creds .btn{padding:6px 12px;font-size:13px}body{color:var(--text);background:#fff;font-family:-apple-system,BlinkMacSystemFont,Inter,Segoe UI,sans-serif;font-size:15px;line-height:1.5}a{color:var(--brand)}button{font:inherit;cursor:pointer}.shell{flex-direction:column;width:100%;max-width:1760px;min-height:100vh;margin:0 auto;padding:0 clamp(20px,3.5vw,64px);display:flex}header.top{border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:20px 0;display:flex}header.top .logo{color:#111827;font-size:1.05rem;font-weight:800}header.top a{color:#374151;font-size:.9rem;text-decoration:none}.auth-controls{align-items:center;gap:12px;min-width:0;display:flex}.session-email{text-overflow:ellipsis;white-space:nowrap;max-width:min(280px,42vw);color:var(--muted);font-size:13px;font-weight:700;overflow:hidden}.auth-button{background:#f4fbf6;border:1px solid #008a003d;border-radius:999px;justify-content:center;align-items:center;min-height:38px;padding:0 16px;font-weight:850;text-decoration:none;display:inline-flex;color:var(--brand)!important}button.auth-button{font:inherit}.auth-button:hover{background:var(--brand);color:#fff!important}main.content{flex:1;padding:38px 0 56px}.consumer-footer{border-top:1px solid var(--border);color:var(--muted);justify-content:space-between;gap:16px;padding:22px 0 28px;font-size:13px;display:flex}.consumer-footer a{color:var(--brand);font-weight:800;text-decoration:none}.card{background:var(--surface);border:1px solid var(--border);border-radius:10px;margin-bottom:16px;padding:24px}.card h2{margin:0 0 6px;font-size:1.05rem}.card p.muted{color:var(--muted);margin:0}.score-card{text-align:center;background:linear-gradient(#fff 0%,#fafafa 100%);padding:36px 24px}.score-value{color:var(--success);letter-spacing:-.02em;margin:8px 0;font-size:64px;font-weight:800;line-height:1}.score-value.empty{color:#9ca3af;font-size:48px}.score-tier{color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-size:14px}.btn{border:1px solid var(--border);color:var(--text);background:#fff;border-radius:999px;justify-content:center;align-items:center;gap:8px;padding:10px 18px;font-size:.95rem;text-decoration:none;display:inline-flex}.btn:hover{background:#f9fafb}.btn.primary{background:var(--brand);color:#fff;border-color:var(--brand)}.btn.primary:hover{background:var(--brand-strong)}.btn.block{width:100%}.btn.danger{color:var(--danger);border-color:#fecaca}input,select,textarea{border:1px solid var(--border);width:100%;font:inherit;background:#fff;border-radius:8px;padding:12px 13px}input:focus,select:focus{outline:2px solid var(--brand);outline-offset:-2px;border-color:var(--brand)}label{color:#374151;margin-bottom:6px;font-size:13px;font-weight:500;display:block}.field{margin-bottom:14px}.field .err{color:var(--danger);margin-top:4px;font-size:12px}.error{color:var(--danger);margin-top:6px;font-size:12px}.dispute-reference-grid{grid-template-columns:1fr 1fr;gap:12px;display:grid}.factor{border-bottom:1px solid var(--border);justify-content:space-between;padding:10px 0;display:flex}.factor:last-child{border-bottom:none}.factor .label{font-size:.9rem}.factor.positive .value{color:var(--success);font-weight:600}.factor.negative .value{color:var(--danger);font-weight:600}.tab-bar{border-bottom:1px solid var(--border);scrollbar-width:thin;gap:0;margin-bottom:20px;display:flex;overflow-x:auto}.tab-bar a{color:var(--muted);white-space:nowrap;border-bottom:2px solid #0000;flex:none;padding:12px 18px;font-size:.9rem;text-decoration:none}.tab-bar a.active{color:var(--brand);border-bottom-color:var(--brand)}.consent-item{border-bottom:1px solid var(--border);justify-content:space-between;align-items:flex-start;padding:14px 0;display:flex}.consent-item:last-child{border-bottom:none}.consent-item .who{font-weight:600}.consent-item .what{color:var(--muted);margin-top:2px;font-size:.85rem}.event-item{border-bottom:1px solid var(--border);justify-content:space-between;align-items:center;padding:12px 0;display:flex}.event-item:last-child{border-bottom:none}.event-item .label{font-size:.92rem}.event-item .when{color:var(--muted);margin-top:2px;font-size:.78rem}.event-item .delta{font-size:.9rem;font-weight:600}.event-item .delta.positive{color:var(--success)}.event-item .delta.negative{color:var(--danger)}.inquiry-intro{margin-top:8px}#free-annual-report-button{margin-top:14px}.inquiry-list{gap:12px;display:grid}.inquiry-reason{margin:8px 0 0}.inquiry-meta{margin-top:6px}.empty{text-align:center;color:var(--muted);padding:40px 0;font-size:.92rem}.alert{color:#92400e;background:#fef3c7;border:1px solid #fde68a;border-radius:8px;margin-bottom:14px;padding:12px 14px;font-size:.9rem}.landing-stack{gap:44px;display:grid}.consumer-hero{border-bottom:1px solid var(--border);align-items:center;min-height:340px;padding:22px 0 50px;display:grid}.consumer-hero h1,.auth-card h1,.wealth-hero h1{color:#050505;letter-spacing:0;max-width:720px;margin:0;font-size:clamp(36px,6vw,68px);line-height:.98}.consumer-hero p,.wealth-hero p{color:#374151;max-width:660px;margin:18px 0 0;font-size:18px;line-height:1.65}.auth-kicker{color:var(--brand);letter-spacing:.08em;text-transform:uppercase;margin-bottom:12px;font-size:12px;font-weight:900}.hero-actions{flex-wrap:wrap;gap:12px;margin-top:28px;display:flex}.progress-section{text-align:center;padding:12px 0 34px}.progress-section h2,.auth-panel h2{color:#050505;letter-spacing:0;max-width:720px;margin:0 auto 32px;font-size:clamp(24px,3vw,34px);line-height:1.15}.benefit-grid{grid-template-columns:repeat(4,minmax(130px,1fr));gap:26px;display:grid}.benefit-grid.compact{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.benefit-item{color:#111827;justify-items:center;gap:8px;min-width:0;text-decoration:none;display:grid}.benefit-icon{background:var(--brand);color:#fff;border-radius:50%;place-items:center;width:78px;height:78px;font-size:34px;font-weight:900;line-height:1;display:grid}.benefit-item strong{color:#050505;font-size:14px}.benefit-item p{max-width:180px;color:var(--muted);margin:0;font-size:13px;line-height:1.45}.disclaimer{max-width:760px;color:var(--muted);text-align:center;margin:0 auto;font-size:13px}.passport-app-hero{grid-template-columns:minmax(0,1fr) minmax(260px,360px);gap:clamp(28px,5vw,72px)}.readiness-preview{background:linear-gradient(#fff 0%,#f4fbf6 100%);border:1px solid #008a002e;border-radius:22px;align-self:center;justify-items:center;gap:10px;padding:26px;display:grid;box-shadow:0 18px 42px #0f172a14}.readiness-preview span,.section-eyebrow{color:var(--brand);letter-spacing:.08em;text-transform:uppercase;font-size:12px;font-weight:900}.readiness-preview strong{color:var(--brand);font-size:64px;line-height:1}.readiness-preview em{color:var(--success);font-style:normal;font-weight:800}.readiness-preview div{border-top:1px solid var(--border);width:100%;margin-top:8px;padding-top:14px}.readiness-preview p{color:#111827;margin:0 0 6px;font-weight:800}.readiness-preview ul{color:var(--muted);margin:0;padding-left:18px}.passport-section{gap:18px;display:grid}.passport-section h2,.download-band h2{color:#050505;letter-spacing:0;max-width:760px;margin:0;font-size:clamp(26px,4vw,42px);line-height:1.08}.passport-value-grid,.passport-tool-grid,.testimonial-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.passport-value-grid{grid-template-columns:repeat(4,minmax(0,1fr))}.passport-value-card,.passport-tool-card,.testimonial-grid blockquote,.faq-list details,.download-band{border:1px solid var(--border);background:#fff;border-radius:16px;box-shadow:0 12px 28px #0f172a0d}.passport-value-card,.passport-tool-card{padding:20px}.passport-tool-card{color:#111827;text-decoration:none}.passport-value-card strong,.passport-tool-card strong{color:#050505;font-size:17px}.passport-value-card p,.passport-tool-card p,.download-band p,.faq-list p{color:var(--muted);margin:8px 0 0}.passport-steps{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.passport-step{border:1px solid var(--border);background:#f8fafc;border-radius:16px;gap:10px;padding:18px;display:grid}.passport-step span{background:var(--brand);color:#fff;border-radius:50%;place-items:center;width:34px;height:34px;font-weight:900;display:grid}.testimonial-grid blockquote{color:#111827;margin:0;padding:22px;font-size:17px;font-weight:750;line-height:1.45}.faq-list{gap:10px;display:grid}.faq-list details{padding:16px 18px}.faq-list summary{cursor:pointer;color:#111827;font-weight:800}.download-band{background:linear-gradient(135deg,#fff 0%,#f4fbf6 100%);justify-content:space-between;align-items:center;gap:20px;padding:26px;display:flex}.auth-layout{grid-template-columns:minmax(320px,430px) minmax(0,1fr);align-items:start;gap:56px;display:grid}.auth-card{background:var(--surface);border:1px solid var(--border);border-radius:16px;padding:30px;box-shadow:0 16px 40px #0f172a0f}.auth-card h1{font-size:clamp(30px,4vw,44px)}.auth-card .muted{color:var(--muted);margin:10px 0 24px}.auth-switch{text-align:center;margin:16px 0 0;font-size:13px}.linklike{font:inherit;color:var(--accent,#5b8def);cursor:pointer;background:0 0;border:none;padding:0;text-decoration:underline}.linklike:disabled{color:var(--muted,#8a8f98);cursor:default;text-decoration:none}.auth-panel{padding:18px 0}.auth-panel h2{text-align:left;margin-left:0}.resource-card{border:1px solid var(--border);background:#fff;border-radius:14px;justify-content:space-between;align-items:center;gap:16px;margin-top:22px;padding:18px;display:flex;box-shadow:0 12px 28px #0f172a0d}.resource-card p{color:var(--muted);margin:4px 0 0;font-size:13px}.resource-card a{flex:none;font-weight:700;text-decoration:none}.wealth-grid{text-align:left;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;display:grid}.wealth-tool{border:1px solid var(--border);background:#fff;border-radius:14px;padding:20px;box-shadow:0 12px 28px #0f172a0d}.wealth-tool strong{color:#050505;font-size:17px}.wealth-tool p{color:var(--muted);margin:8px 0 0}.tools-grid-section{grid-template-columns:repeat(3,minmax(0,1fr));align-items:start;gap:18px;display:grid}.tool-panel{border:1px solid var(--border);background:#fff;border-radius:14px;gap:18px;padding:22px;display:grid;box-shadow:0 12px 28px #0f172a0d}.tool-panel-head{grid-template-columns:48px minmax(0,1fr);align-items:start;gap:14px;display:grid}.tool-panel-head>span,.learn-icon{width:44px;height:44px;color:var(--brand);background:#f0fbf4;border-radius:12px;place-items:center;font-weight:900;display:grid}.tool-panel h2{color:#050505;margin:0;font-size:19px}.tool-panel p{color:var(--muted);margin:4px 0 0;font-size:13px}.tool-form-grid{gap:12px;display:grid}.tool-field{margin:0}.tool-field span{color:#374151;margin-bottom:6px;font-size:12px;font-weight:800;display:block}.tool-field div{border:1px solid var(--border);background:#fff;border-radius:10px;grid-template-columns:minmax(0,1fr) auto;align-items:center;display:grid;overflow:hidden}.tool-field input{border:0;border-radius:0}.tool-field small{color:var(--muted);padding:0 12px;font-size:12px}.tool-results{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;display:grid}.tool-results div{background:#f4fbf6;border:1px solid #008a001f;border-radius:10px;padding:12px}.tool-results span,.tool-results strong{display:block}.tool-results span{color:var(--muted);font-size:11px;font-weight:800}.tool-results strong{color:#050505;margin-top:4px;font-size:15px}.readiness-checks{gap:10px;display:grid}.readiness-check{color:#374151;align-items:center;gap:10px;margin:0;font-weight:750;display:flex}.readiness-check input{width:18px;height:18px;accent-color:var(--brand)}.tools-learning-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.learn-tile{grid-template-columns:48px minmax(0,1fr) auto;align-items:center;gap:14px;display:grid}.learn-tile>span{color:var(--brand);font-weight:900}.passport-dashboard{gap:24px;display:grid}.passport-hero-card{background:radial-gradient(circle at 88% 12%,#008a001a,#0000 34%),linear-gradient(#fff 0%,#f4fbf6 100%);border:1px solid #1118271a;border-radius:20px;grid-template-columns:minmax(0,1fr) minmax(320px,430px);align-items:stretch;gap:clamp(28px,4vw,72px);padding:clamp(24px,4vw,42px);display:grid;box-shadow:0 10px 28px #0f172a0f}.passport-hero-copy h1{color:#050505;letter-spacing:-.01em;max-width:760px;margin:0;font-size:clamp(28px,3.4vw,48px);line-height:1.12}.passport-hero-copy p{color:#374151;max-width:680px;margin:14px 0 0;font-size:clamp(15px,1.1vw,17px);line-height:1.6}.passport-actions{flex-wrap:wrap;gap:12px;margin-top:26px;display:flex}.passport-score-panel{background:#fff;border:1px solid #008a0024;border-radius:18px;align-content:center;justify-items:center;gap:18px;padding:24px;display:grid;box-shadow:0 8px 22px #0f172a0d}.score-ring{--score:0%;aspect-ratio:1;background:conic-gradient(var(--brand) var(--score), #dcefe4 0);border-radius:50%;place-items:center;width:min(240px,64vw);display:grid;box-shadow:inset 0 0 0 16px #fff,0 14px 34px #008a002e}.score-ring>div{aspect-ratio:1;text-align:center;background:#fff;border-radius:50%;align-content:center;place-items:center;width:70%;display:grid}.score-ring span{color:var(--brand);font-size:clamp(54px,7vw,78px);font-weight:900;line-height:.94}.score-ring small{color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-top:8px;font-size:12px;font-weight:800}.score-meta-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;width:100%;display:grid}.score-meta-grid div{background:#f4fbf6;border:1px solid #008a001f;border-radius:14px;padding:14px}.score-meta-grid strong,.score-meta-grid span{display:block}.score-meta-grid strong{color:#050505;font-size:17px}.score-meta-grid span{color:var(--muted);margin-top:2px;font-size:12px}.passport-grid{grid-template-columns:repeat(12,minmax(0,1fr));gap:20px;display:grid}.passport-panel{background:#fff;border:1px solid #1118271a;border-radius:18px;min-width:0;padding:24px;box-shadow:0 8px 22px #0f172a0a}.passport-panel.span-7{grid-column:span 7}.passport-panel.span-5{grid-column:span 5}.passport-panel h2{color:#050505;letter-spacing:-.01em;margin:6px 0 0;font-size:clamp(19px,2vw,24px);line-height:1.2}.panel-copy{color:#4b5563;margin:14px 0 0;line-height:1.65}.factor-columns{grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin-top:22px;display:grid}.factor-panel{border:1px solid var(--border);background:#fafafa;border-radius:16px;padding:18px}.factor-panel.positive{background:#f0fbf4;border-color:#008a0024}.factor-panel.negative{background:#fff7ed;border-color:#b4530929}.factor-panel h3{color:#050505;margin:0 0 12px;font-size:15px}.factor-row{border-top:1px solid #11182714;grid-template-columns:28px minmax(0,1fr);align-items:center;gap:10px;padding:10px 0;display:grid}.factor-row span{color:#fff;background:var(--brand);border-radius:999px;place-items:center;width:24px;height:24px;font-weight:900;line-height:1;display:grid}.factor-panel.negative .factor-row span{background:var(--warning)}.factor-row strong{color:#1f2937;font-size:13px;line-height:1.35}.action-list,.passport-timeline,.passport-tool-grid{gap:12px;margin-top:18px;display:grid}.action-item{color:inherit;background:#f9fafb;border:1px solid #1118271a;border-radius:14px;padding:16px;text-decoration:none;display:block}.action-item:hover{background:#f4fbf6;border-color:#008a0047}.action-item span,.action-item small{display:block}.action-item span{color:#050505;font-weight:900}.action-item small{color:var(--muted);margin-top:4px;line-height:1.45}.empty-passport-hero{background:radial-gradient(circle at 84% 10%,#008a001f,#0000 36%),#fff}.empty-score-panel{text-align:center}.empty-score-mark{width:120px;height:120px;color:var(--brand);letter-spacing:0;background:#f4fbf6;border:10px solid #dcefe4;border-radius:50%;place-items:center;font-size:40px;font-weight:900;display:grid}.empty-score-panel strong,.empty-score-panel span{display:block}.empty-score-panel strong{color:#050505;font-size:18px}.empty-score-panel span{max-width:260px;color:var(--muted);font-size:13px;line-height:1.5}.timeline-step{background:#f9fafb;border:1px solid #1118271a;border-radius:16px;grid-template-columns:42px minmax(0,1fr);gap:14px;padding:16px;display:grid}.timeline-step>span{background:var(--brand);color:#fff;border-radius:50%;place-items:center;width:36px;height:36px;font-weight:900;display:grid}.timeline-step strong,.timeline-step p{display:block}.timeline-step strong{color:#050505}.timeline-step p{color:var(--muted);margin:4px 0 0;font-size:13px;line-height:1.5}.passport-tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.passport-tool{background:#f4fbf6;border:1px solid #008a001f;border-radius:14px;padding:16px}.passport-tool strong,.passport-tool span{display:block}.passport-tool strong{color:#050505}.passport-tool span{color:var(--muted);margin-top:6px;font-size:13px;line-height:1.45}.loan-offers-panel{background:#fff;border:1px solid #1118271a;border-radius:20px;padding:24px;box-shadow:0 8px 22px #0f172a0a}.loan-offers-head{grid-template-columns:minmax(0,.95fr) minmax(280px,.65fr);align-items:start;gap:22px;margin-bottom:20px;display:grid}.loan-offers-head h2{color:#050505;letter-spacing:-.01em;margin:6px 0 0;font-size:clamp(20px,2.2vw,26px);line-height:1.18}.loan-offers-head p{color:var(--muted);margin:4px 0 0;font-size:14px;line-height:1.55}.loan-offer-grid{grid-template-columns:repeat(5,minmax(170px,1fr));gap:14px;display:grid}.loan-offer-card{background:radial-gradient(circle at 100% 0,#008a0014,#0000 36%),#fff;border:1px solid #1118271a;border-radius:16px;flex-direction:column;gap:14px;padding:16px;transition:border-color .18s,box-shadow .18s,background-color .18s;display:flex}.loan-offer-card .btn{margin-top:auto}.loan-offer-card:hover{border-color:#008a003d;box-shadow:0 16px 34px #0f172a14}.loan-offer-top{grid-template-columns:38px minmax(0,1fr);align-items:center;gap:10px;display:grid}.loan-offer-top>span{background:var(--brand);color:#fff;border-radius:12px;place-items:center;width:38px;height:38px;font-size:17px;font-weight:900;display:grid}.loan-offer-top strong,.loan-offer-top small,.loan-rate-row span,.loan-rate-row strong{display:block}.loan-offer-top strong{color:#050505;font-size:16px;line-height:1.2}.loan-offer-top small{color:var(--muted);margin-top:3px;font-size:12px;line-height:1.35}.loan-rate-row{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;display:grid}.loan-rate-row div{background:#f4fbf6;border:1px solid #008a001f;border-radius:12px;padding:10px 12px}.loan-rate-row span{color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-size:11px;font-weight:700}.loan-rate-row strong{color:#050505;margin-top:3px;font-size:14px;line-height:1.25}.loan-offer-meta span{color:var(--brand);background:#e8f7ee;border-radius:999px;padding:6px 10px;font-size:12px;font-weight:900;display:inline-flex}.loan-offer-meta p{color:var(--muted);margin:10px 0 0;font-size:13px;line-height:1.45}.loan-dialog-backdrop{z-index:50;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#05050561;place-items:center;padding:24px;display:grid;position:fixed;inset:0}.loan-dialog{background:#fff;border:1px solid #1118271f;border-radius:22px;width:min(620px,100%);max-height:min(760px,100vh - 48px);padding:28px;position:relative;overflow:auto;box-shadow:0 30px 90px #0f172a3d}.loan-dialog-close{border:1px solid var(--border);color:#111827;background:#fff;border-radius:50%;width:36px;height:36px;font-size:24px;line-height:1;position:absolute;top:18px;right:18px}.loan-dialog h2{color:#050505;letter-spacing:0;margin:8px 44px 0 0;font-size:clamp(30px,5vw,44px);line-height:1}.loan-dialog-product,.loan-dialog-fit{color:var(--muted);margin:10px 0 0;line-height:1.6}.loan-dialog-stats{grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:22px;display:grid}.loan-dialog-stats div{background:#f4fbf6;border:1px solid #008a001f;border-radius:16px;padding:16px}.loan-dialog-stats span,.loan-dialog-stats strong{display:block}.loan-dialog-stats span{color:var(--muted);font-size:12px;font-weight:800}.loan-dialog-stats strong{color:#050505;margin-top:4px;font-size:18px;line-height:1.2}.loan-dialog-requirements{background:#f9fafb;border:1px solid #1118271a;border-radius:18px;gap:10px;margin-top:22px;padding:18px;display:grid}.loan-dialog-requirements strong{color:#050505}.loan-dialog-requirements span{color:#374151;padding-left:24px;font-size:14px;position:relative}.loan-dialog-requirements span:before{content:"OK";color:var(--brand);font-weight:900;position:absolute;left:0}.loan-dialog-actions{flex-wrap:wrap;gap:12px;margin-top:22px;display:flex}.agree-block{border:1px solid var(--border);background:#fafbfa;border-radius:12px;gap:10px;margin:4px 0 16px;padding:14px;display:grid}.agree-row{color:#374151;cursor:pointer;align-items:flex-start;gap:10px;font-size:13px;line-height:1.5;display:flex}.agree-row input[type=checkbox]{width:17px;height:17px;accent-color:var(--brand);flex:none;margin-top:2px}.passport-skeleton{min-height:360px}.passport-skeleton div{background:linear-gradient(90deg,#f3f4f6,#fff,#f3f4f6) 0 0/220% 100%;border-radius:18px;animation:1.3s linear infinite passport-shimmer}@keyframes passport-shimmer{0%{background-position:0%}to{background-position:220%}}@media (width<=1120px){.loan-offer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}@media (width<=840px){.shell{padding:0 18px}.auth-layout{grid-template-columns:1fr;gap:28px}.benefit-grid,.benefit-grid.compact,.wealth-grid,.passport-value-grid,.testimonial-grid,.tools-grid-section{grid-template-columns:repeat(2,minmax(0,1fr))}.auth-panel h2{text-align:center}.passport-app-hero,.passport-hero-card,.passport-grid,.factor-columns,.passport-tool-grid,.loan-offers-head{grid-template-columns:1fr}.passport-steps{grid-template-columns:repeat(2,minmax(0,1fr))}.download-band{flex-direction:column;align-items:flex-start}.loan-offer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.passport-panel.span-7,.passport-panel.span-5{grid-column:auto}}@media (width<=520px){main.content{padding-top:24px}.consumer-hero{min-height:auto;padding-bottom:34px}.auth-card{padding:22px}.benefit-grid,.benefit-grid.compact,.wealth-grid,.passport-value-grid,.passport-steps,.testimonial-grid,.tools-grid-section,.tool-results{grid-template-columns:1fr}.benefit-icon{width:68px;height:68px;font-size:30px}.passport-hero-card,.passport-panel{padding:20px}.score-meta-grid,.loan-offer-grid,.loan-rate-row,.loan-dialog-stats{grid-template-columns:1fr}.resource-card{flex-direction:column;align-items:flex-start}}.profile-page,.settings-page{gap:18px;max-width:760px;margin:0 auto;padding:8px 0 32px;display:grid}.profile-card{background:var(--surface,#ffffff08);border:1px solid var(--line,#ffffff14);border-radius:14px;padding:24px}.profile-card h1{margin:6px 0 4px;font-size:26px}.profile-card h2{margin:0 0 12px;font-size:18px}.profile-card--danger{border-color:#ef444440}.profile-card--danger h2{color:#ef4444}.profile-header{align-items:center;gap:18px;margin-bottom:22px;display:flex}.profile-avatar{color:#fff;background:linear-gradient(135deg,#6366f1,#22c55e);border-radius:50%;flex-shrink:0;place-items:center;width:64px;height:64px;font-size:22px;font-weight:700;display:grid}.profile-sub{color:var(--muted,#94a3b8);margin:4px 0 0;font-size:13px}.profile-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;display:grid}.profile-field{flex-direction:column;gap:4px;display:flex}.profile-field-label{text-transform:uppercase;letter-spacing:.04em;color:var(--muted,#94a3b8);font-size:11px}.profile-field-value{font-size:15px;font-weight:500}.kyc-row{background:#ffffff05;border-radius:8px;align-items:flex-start;gap:14px;padding:14px;display:flex}.profile-verify-form{gap:14px;margin-top:18px;display:grid}.profile-form-grid{grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:12px;display:grid}.profile-form-grid label{color:var(--muted,#94a3b8);gap:6px;font-size:12px;font-weight:700;display:grid}.profile-form-grid input{border:1px solid var(--line,#ffffff14);background:var(--input,#ffffff0a);width:100%;color:var(--ink,#e5e7eb);border-radius:8px;padding:11px 12px}.profile-form-actions{flex-wrap:wrap;align-items:center;gap:12px;display:flex}.profile-form-message{color:var(--muted,#94a3b8);font-size:13px}.kyc-pill{text-transform:uppercase;letter-spacing:.04em;border-radius:999px;flex-shrink:0;padding:4px 10px;font-size:11px;font-weight:700;display:inline-block}.kyc-pill--verified{color:#16a34a;background:#22c55e26}.kyc-pill--unverified{color:#94a3b8;background:#94a3b82e}.linked-list{gap:10px;margin:0;padding:0;list-style:none;display:grid}.linked-row{background:#ffffff05;border-radius:10px;justify-content:space-between;align-items:center;gap:14px;padding:14px;display:flex}.linked-right{text-align:right;gap:4px;display:grid}.settings-header{margin-bottom:4px}.settings-input{border:1px solid var(--line,#ffffff1a);width:100%;color:inherit;background:#ffffff0a;border-radius:8px;margin-top:4px;padding:10px 14px;font-size:14px}.settings-toggle{cursor:pointer;align-items:center;gap:10px;padding:10px 0;display:flex}.settings-toggle input{transform:scale(1.15)}.settings-savebar{align-items:center;gap:14px;margin-top:4px;display:flex}.btn-danger{color:#ef4444;background:#ef44441a;border:1px solid #ef444459}.btn-danger:hover:not(:disabled){background:#ef444426}.empty-card{text-align:center;color:var(--muted,#94a3b8);padding:32px}@media (width<=520px){.profile-header{flex-direction:column;align-items:flex-start}.profile-grid{grid-template-columns:1fr}.linked-row{flex-direction:column;align-items:flex-start}.linked-right{text-align:left}}.readiness-paths{background:var(--surface,#ffffff08);border:1px solid var(--line,#ffffff14);border-radius:14px;margin:12px 0;padding:18px 20px}.readiness-chip-row{flex-wrap:wrap;gap:8px;margin:10px 0 8px;display:flex}.readiness-chip{border:1px solid var(--line,#ffffff1a);color:inherit;cursor:pointer;background:#ffffff0a;border-radius:999px;align-items:center;gap:6px;padding:6px 12px;font-size:13px;transition:all .12s;display:inline-flex}.readiness-chip:hover{background:#6366f114}.readiness-chip.active{background:#6366f12e;border-color:#6366f1;font-weight:600}.readiness-chip-preview{text-transform:uppercase;letter-spacing:.06em;color:#94a3b8;background:#94a3b833;border-radius:4px;padding:2px 6px;font-size:9px}.readiness-path-tagline{color:var(--muted,#94a3b8);margin:4px 0 0;font-size:13px}.modules-section{background:var(--surface,#ffffff08);border:1px solid var(--line,#ffffff14);border-radius:14px;margin:12px 0;padding:22px 22px 18px}.modules-section h2{margin:4px 0 14px;font-size:22px}.modules-group{margin-top:12px}.modules-group-label{text-transform:uppercase;letter-spacing:.06em;color:var(--muted,#94a3b8);margin:14px 0 8px;font-size:11px;font-weight:700}.modules-grid{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px;display:grid}.modules-tile{border:1px solid var(--line,#ffffff0f);color:inherit;background:#ffffff05;border-radius:12px;gap:4px;padding:14px 16px;text-decoration:none;transition:all .12s;display:grid;position:relative}.modules-tile:hover{background:#6366f10f;border-color:#6366f14d;transform:translateY(-1px)}.modules-tile strong{font-size:14px}.modules-tile span{color:var(--muted,#94a3b8);font-size:12px}.modules-tile--disabled{opacity:.7;cursor:not-allowed}.modules-tile--disabled:hover{border-color:var(--line,#ffffff0f);background:#ffffff05;transform:none}.modules-tile-preview{text-transform:uppercase;letter-spacing:.06em;color:#94a3b8;background:#94a3b833;border-radius:4px;padding:2px 6px;font-size:9px;position:absolute;top:10px;right:12px}.passport-consent-line{text-align:center;color:var(--muted,#94a3b8);border:1px dashed var(--line,#ffffff1a);background:#ffffff05;border-radius:10px;margin:12px 0;padding:14px 18px;font-size:13px}.fayda-passport-panel{background:var(--surface,#ffffff08);border:1px solid var(--line,#ffffff14);border-radius:18px;gap:20px;padding:clamp(20px,3vw,28px);display:grid}.fayda-passport-head{justify-content:space-between;align-items:flex-start;gap:18px;display:flex}.fayda-passport-head h2{max-width:760px;margin:4px 0 8px;font-size:clamp(24px,3vw,34px);line-height:1.1}.fayda-passport-head p{max-width:760px;color:var(--muted,#94a3b8);margin:0}.fayda-passport-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;display:grid}.fayda-card{border:1px solid var(--line,#ffffff14);background:#ffffff05;border-radius:14px;gap:10px;padding:18px;display:grid}.fayda-card h3{margin:0 0 2px;font-size:16px}.fayda-check-row,.fayda-sharing-row{border-top:1px solid var(--line,#ffffff14);justify-content:space-between;align-items:center;gap:12px;padding:9px 0;display:flex}.fayda-check-row span,.fayda-sharing-row span{color:var(--brand,#00a651);font-size:12px;font-weight:800}.fayda-sharing-row span.revoked{color:var(--danger,#991b1b)}.fayda-metric-grid{gap:8px;display:grid}.fayda-metric{background:#008a000f;border-radius:8px;gap:2px;padding:10px;display:grid}.fayda-metric strong{color:var(--brand,#00a651);font-size:24px;line-height:1}.fayda-metric span,.fayda-flow span,.fayda-chip-grid span,.lender-view span{color:var(--muted,#94a3b8);font-size:12px}.fayda-flow,.fayda-chip-grid{flex-wrap:wrap;gap:6px;display:flex}.fayda-flow span,.fayda-chip-grid span{border:1px solid var(--line,#ffffff14);background:#ffffff0a;border-radius:999px;padding:6px 8px}.lender-view{border-top:1px solid var(--line,#ffffff14);gap:5px;padding-top:10px;display:grid}.lender-view strong{font-size:13px}@media (width<=1120px){.fayda-passport-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=720px){.fayda-passport-head{flex-direction:column}.fayda-passport-grid,.dispute-reference-grid{grid-template-columns:1fr}}.coach-actions{gap:16px;margin:0;padding:0;list-style:none;display:grid}.coach-actions li{background:#6366f10a;border:1px solid #6366f126;border-radius:12px;grid-template-columns:36px 1fr;align-items:start;gap:14px;padding:14px;display:grid}.coach-action-step{color:#fff;background:#6366f1;border-radius:50%;place-items:center;width:32px;height:32px;font-size:14px;font-weight:700;display:grid}.coach-actions em{color:#6366f1;font-style:normal;font-weight:700}.rights-list{margin:8px 0 0;padding-left:20px;line-height:1.9}.consent-actions{gap:8px;display:flex}.rights-grid{grid-template-columns:1fr 1fr;gap:12px;margin-top:8px;display:grid}.rights-tile{border:1px solid var(--border,#e5e7eb);color:inherit;border-radius:10px;flex-direction:column;gap:4px;padding:14px;text-decoration:none;display:flex}.rights-tile:hover{border-color:var(--brand,#2563eb)}.rights-tile strong{font-size:15px}.rights-tile span{color:var(--muted,#6b7280);font-size:13px}@media (width<=700px){.rights-grid{grid-template-columns:1fr}}.guarantor-summary{text-align:center;grid-template-columns:repeat(3,1fr);gap:12px;display:grid}.guarantor-summary div{flex-direction:column;gap:4px;display:flex}.guarantor-summary strong{font-size:22px}.guarantor-summary span{color:var(--muted,#6b7280);font-size:12px}.apply-back{color:var(--brand,#16a34a);cursor:pointer;background:0 0;border:none;padding:0 0 8px;font-size:14px}.apply-steps{flex-wrap:wrap;gap:8px;margin-top:8px;display:flex}.apply-step{color:var(--muted,#6b7280);background:#f1f5f9;border-radius:999px;padding:4px 10px;font-size:12px}.apply-step.active{color:#fff;background:#16a34a}.apply-step.done{color:#15803d;background:#dcfce7}.apply-grid{grid-template-columns:1fr 1fr;gap:12px;margin:12px 0 16px;display:grid}.apply-field{gap:6px;font-size:13px;font-weight:600;display:grid}.apply-field span{font-weight:600}.apply-field .hint{color:var(--muted,#6b7280);font-size:12px;font-weight:400}.apply-summary{gap:8px;margin:12px 0;display:grid}.apply-summary div{border-bottom:1px solid #f1f5f9;justify-content:space-between;padding-bottom:6px;display:flex}.apply-summary span{color:var(--muted,#6b7280)}.apply-consent-box{background:#f0fdf4;border:1px solid #bbf7d0;border-radius:10px;margin:12px 0;padding:14px}.apply-consent-box strong{color:#15803d}.apply-consent-box p{color:#374151;margin:6px 0 0;font-size:13px}.apply-check{align-items:flex-start;gap:10px;margin:12px 0;font-size:14px;display:flex}.offer-list{gap:12px;margin-top:10px;display:grid}.offer-card{border:1px solid var(--border,#e5e7eb);border-radius:12px;padding:16px}.offer-locked{opacity:.7}.offer-head{justify-content:space-between;align-items:flex-start;gap:8px;display:flex}.offer-name{font-size:16px;font-weight:700}.offer-lender{color:var(--muted,#6b7280);font-size:13px}.offer-stats{text-align:center;grid-template-columns:repeat(3,1fr);gap:8px;margin:14px 0;display:grid}.offer-stats div{flex-direction:column;display:flex}.offer-stats strong{font-size:15px}.offer-stats span{color:var(--muted,#6b7280);font-size:11px}.apply-done{text-align:center}.apply-done-check{color:#fff;background:#16a34a;border-radius:50%;justify-content:center;align-items:center;width:56px;height:56px;margin:8px auto 12px;font-size:30px;display:flex}.doc-request-card{background:#fffbeb}.doc-request-list{gap:8px;margin-top:8px;display:grid}.doc-request-row{flex-wrap:wrap;align-items:center;gap:8px;display:flex}.doc-request-label{flex:1}.apply-app-list,.apply-app{gap:8px;display:grid}.apply-app-actions{justify-items:end;gap:6px;display:grid}@media (width<=640px){.apply-grid{grid-template-columns:1fr}}
