:root{
  --navy:#012169; --navy-2:#0a2f7a; --red:#E31837; --ink:#16181d;
  --muted:#6b7280; --line:#e3e6ea; --bg:#f3f4f6; --green:#0a7d33; --amber:#b45309;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:Inter,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{margin:0;font-weight:700;letter-spacing:-.01em}
h1{font-size:26px}h2{font-size:16px}h3{font-size:14px}
p{margin:.4em 0}
.tiny{font-size:12px}
.muted{color:var(--muted)}
.red{color:var(--red)}.green{color:var(--green)}.navy{color:var(--navy)}
.mono{font-family:ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;letter-spacing:.02em}
.nowrap{white-space:nowrap}

/* topbar */
.topbar{background:var(--navy);color:#fff}
.topbar.plain{background:var(--navy)}
.topbar-inner{max-width:1180px;margin:0 auto;display:flex;align-items:center;
  justify-content:space-between;padding:14px 22px;gap:20px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none}
.brand:hover{text-decoration:none}
.brand-mark{width:38px;height:26px;display:block}
.brand-name{font-weight:700;font-size:17px;letter-spacing:.01em}
.topnav{display:flex;align-items:center;gap:22px;font-size:14px}
.topnav a{color:#e8ecf5}
.topnav a:hover{color:#fff}
.topnav .signout{background:rgba(255,255,255,.12);padding:7px 14px;border-radius:6px}
.topbar-note{font-size:13px;color:#c9d4ea}

/* login */
.login-wrap{max-width:1060px;margin:0 auto;display:grid;grid-template-columns:1.15fr .85fr;
  gap:56px;align-items:center;padding:64px 22px 40px;min-height:calc(100vh - 300px)}
.login-card{background:#fff;border:1px solid var(--line);border-radius:12px;
  box-shadow:0 14px 40px rgba(1,33,105,.09);padding:38px}
.login-card h1{font-size:24px}
.login-card .sub{color:var(--muted);font-size:14px;margin:6px 0 22px}
.login-card label{display:block;font-size:13px;font-weight:600;margin:14px 0 6px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #cbd2dc;border-radius:7px;
  font-size:14px;font-family:inherit;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(1,33,105,.12)}
.btn-primary{margin-top:22px;width:100%;background:var(--navy);color:#fff;border:0;
  padding:13px;border-radius:7px;font-size:15px;font-weight:600;cursor:pointer;font-family:inherit}
.btn-primary:hover{background:var(--navy-2)}
.row-between{display:flex;justify-content:space-between;align-items:center;margin-top:14px;font-size:13px}
.check{display:flex;align-items:center;gap:8px;font-weight:400;margin:0}
.check input{width:auto}
.login-foot{margin-top:22px;padding-top:16px;border-top:1px solid var(--line);text-align:center}
.lock{font-size:12px;color:var(--muted)}
.login-aside h2{font-size:18px;margin-bottom:14px}
.login-aside ul{margin:0;padding-left:20px;color:#374151;font-size:14px}
.login-aside li{margin-bottom:9px}
.alert{border-radius:8px;padding:12px 14px;font-size:13.5px;margin-bottom:16px}
.alert.err{background:#fdeaea;border:1px solid #f3c2c2;color:#8a1c1c}
.alert.ok{background:#e9f7ee;border:1px solid #bfe4cb;color:#12602f}
.alert.warn{background:#fff6e6;border:1px solid #f2dcae;color:#7a4c07}

/* shell */
.shell{max-width:1100px;margin:0 auto;padding:30px 22px 70px}
.pagehead{display:flex;justify-content:space-between;align-items:flex-start;gap:20px;margin-bottom:22px}
.pagehead .sub{color:var(--muted);font-size:14px}
.pagehead-meta{text-align:right;display:flex;flex-direction:column}
.summary{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:22px}
.scard{background:#fff;border:1px solid var(--line);border-radius:10px;padding:20px;
  display:flex;flex-direction:column;gap:8px}
.slabel{font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:600}
.samount{font-size:26px;font-weight:700;letter-spacing:-.02em}
.banner{display:flex;justify-content:space-between;align-items:center;gap:20px;margin-bottom:22px}
.panel{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:20px;overflow:hidden}
.panel-head{display:flex;justify-content:space-between;align-items:center;
  padding:16px 20px;border-bottom:1px solid var(--line)}
.kv{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.kv > div{padding:16px 20px;border-bottom:1px solid var(--line);border-right:1px solid var(--line)}
.kv > div:nth-child(3n){border-right:0}
.kv .wide{grid-column:1/-1}
.kv span{display:block;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;
  color:var(--muted);font-weight:600;margin-bottom:5px}
.kv strong{font-size:14.5px;font-weight:600}
.ledger{width:100%;border-collapse:collapse;font-size:14px}
.ledger th{text-align:left;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;
  color:var(--muted);padding:12px 20px;background:#fafbfc;border-bottom:1px solid var(--line)}
.ledger td{padding:13px 20px;border-bottom:1px solid var(--line)}
.ledger tr:last-child td{border-bottom:0}
.ledger .right{text-align:right}
.ledger tfoot td{padding:14px 20px;border-top:1px solid var(--line);background:#fafbfc}
.empty{text-align:center;color:var(--muted);padding:26px}
.pill{font-size:11px;text-transform:uppercase;letter-spacing:.05em;font-weight:600;
  padding:3px 9px;border-radius:20px}
.pill.pending{background:#fdeaea;color:#8a1c1c}
.pill.posted{background:#e9f7ee;color:#12602f}
.btn-outline{border:1px solid var(--navy);color:var(--navy);background:#fff;
  padding:9px 16px;border-radius:7px;font-size:13.5px;font-weight:600;text-decoration:none;display:inline-block}
.btn-outline:hover{background:#eef2fb;text-decoration:none}

/* requirements */
.callout{background:#fff;border:1px solid var(--line);border-radius:10px;padding:6px 20px;margin-bottom:22px}
.callout-row{display:flex;justify-content:space-between;align-items:center;padding:13px 0;
  border-bottom:1px solid var(--line);font-size:14px}
.callout-row:last-child{border-bottom:0}
.callout-row strong{font-size:16px}
.reqlist{list-style:none;margin:0;padding:0}
.reqitem{display:flex;gap:14px;padding:18px 20px;border-bottom:1px solid var(--line)}
.reqitem:last-child{border-bottom:0}
.reqitem .tick{width:26px;height:26px;border-radius:50%;background:#eef2fb;color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:700;flex:0 0 26px}
.reqitem.done .tick{background:#e9f7ee;color:var(--green)}
.reqbody{flex:1}
.reqline{display:flex;justify-content:space-between;align-items:baseline;gap:16px}
.reqamt{font-weight:700}
.reqitem.done .reqline strong{color:var(--muted);text-decoration:line-through}
.sitefoot{background:#fff;border-top:1px solid var(--line);margin-top:20px}
.sitefoot-inner{max-width:1100px;margin:0 auto;padding:28px 22px;display:grid;
  grid-template-columns:repeat(3,1fr);gap:24px;font-size:13px}
.footcol{display:flex;flex-direction:column;gap:3px}
.footcol strong{font-size:13.5px}

@media(max-width:900px){
  .login-wrap{grid-template-columns:1fr;gap:30px;padding-top:40px}
  .summary,.kv,.sitefoot-inner{grid-template-columns:1fr}
  .kv > div{border-right:0}
  .topnav{gap:14px;font-size:13px;flex-wrap:wrap}
  .banner{flex-direction:column;align-items:flex-start}
}

/* footer bar */
.footbar{background:var(--navy);color:#fff;margin-top:24px}
.footbar-inner{max-width:1100px;margin:0 auto;padding:16px 22px;display:flex;
  justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.socials{display:flex;gap:16px}
.socials a{color:#b9c6e0;display:flex}
.socials a:hover{color:#fff}
.socials svg{width:18px;height:18px;fill:currentColor}
.badges{display:flex;gap:20px;align-items:center;font-size:11.5px;color:#b9c6e0;letter-spacing:.02em}
.badge{display:flex;align-items:center;gap:6px}
.badge svg{width:15px;height:15px;fill:currentColor}
.badge.fdic{border:1px solid #b9c6e0;border-radius:4px;padding:3px 7px;font-weight:600}
.footlegal{background:#fff;border-top:1px solid var(--line);padding:14px 22px;
  display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:12px;color:var(--muted)}
.sitefoot{margin-top:40px}

/* chat widget */
.chat-fab{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;
  background:var(--navy);color:#fff;border:0;cursor:pointer;z-index:80;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 10px 26px rgba(1,33,105,.38)}
.chat-fab svg{width:26px;height:26px}
.chat-fab:hover{background:var(--navy-2)}
.chat-fab.hidden{display:none}
.chat-dot{position:absolute;top:9px;right:9px;width:11px;height:11px;border-radius:50%;
  background:var(--red);border:2px solid #fff}
.chat-panel{position:fixed;right:22px;bottom:22px;width:352px;max-width:calc(100vw - 32px);
  height:520px;max-height:calc(100vh - 40px);background:#fff;border:1px solid var(--line);
  border-radius:14px;box-shadow:0 20px 50px rgba(1,33,105,.25);z-index:81;
  display:flex;flex-direction:column;overflow:hidden}
.chat-panel.hidden{display:none}
.chat-head{background:var(--navy);color:#fff;padding:14px 16px;display:flex;
  justify-content:space-between;align-items:flex-start}
.chat-head strong{font-size:14.5px;display:block}
.chat-head span{font-size:11.5px;color:#b9c6e0}
.chat-head button{background:transparent;border:0;color:#fff;font-size:22px;line-height:1;
  cursor:pointer;padding:0 4px}
.chat-body{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:9px;
  background:#f7f8fa}
.msg{max-width:82%;padding:9px 12px;border-radius:12px;font-size:13.5px;line-height:1.45}
.msg.staff{background:#fff;border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:4px}
.msg.me{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.chat-intro{padding:10px 12px;display:flex;flex-direction:column;gap:7px;background:#fff;
  border-top:1px solid var(--line)}
.chat-intro.hidden{display:none}
.chat-intro input{padding:8px 10px;font-size:13px}
.chat-form{display:flex;gap:8px;padding:10px 12px;border-top:1px solid var(--line);background:#fff}
.chat-form input{flex:1;padding:9px 11px;font-size:13.5px}
.chat-form button{background:var(--navy);color:#fff;border:0;border-radius:8px;width:42px;
  cursor:pointer;display:flex;align-items:center;justify-content:center}
.chat-form button svg{width:17px;height:17px}
.chat-form button:hover{background:var(--navy-2)}

@media(max-width:600px){
  .chat-panel{right:8px;left:8px;bottom:8px;width:auto;height:calc(100vh - 90px)}
  .chat-fab{right:16px;bottom:16px}
}