:root {
  --navy: #0b2545; --navy-2: #13315c; --gold: #c9a227; --ink: #1b2430; --muted: #5d6b7d;
  --bg: #f4f6f9; --card: #fff; --line: #e1e6ee; --ok: #1a7f4b; --bad: #b3261e; --radius: 14px;
}
* { box-sizing: border-box; }
body { margin: 0; font-family: -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif; background: var(--bg); color: var(--ink); line-height: 1.45; }
h1, h2, h3 { margin: 0 0 .5rem; }
button, input, select { font: inherit; }
.hidden { display: none !important; }

/* top bar */
.topbar { background: var(--navy); color: #fff; padding: 0 16px; }
.topbar .in { max-width: 1040px; margin: auto; display: flex; align-items: center; justify-content: space-between; min-height: 60px; padding: 6px 0; gap: 12px; }
.brand { font-weight: 700; letter-spacing: .3px; font-size: 1.15rem; }
.brand span { color: var(--gold); }
.topbar nav { display: flex; gap: 4px; flex-wrap: wrap; }
.topbar nav button { background: none; border: 0; color: #cfd8e6; padding: 8px 12px; border-radius: 8px; cursor: pointer; }
.topbar nav button.active, .topbar nav button:hover { background: var(--navy-2); color: #fff; }

main { max-width: 1040px; margin: 24px auto; padding: 0 16px 48px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; margin-bottom: 18px; box-shadow: 0 1px 2px rgba(11,37,69,.04); }
.grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.acct { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; border: 0; cursor: pointer; }
.acct .type { text-transform: uppercase; font-size: .75rem; letter-spacing: 1px; opacity: .8; }
.acct .num { font-family: ui-monospace, Menlo, monospace; opacity: .85; margin: 4px 0 14px; }
.acct .bal { font-size: 1.9rem; font-weight: 700; }
.acct.sel { outline: 3px solid var(--gold); }
.badge { display: inline-block; padding: 2px 10px; border-radius: 999px; font-size: .75rem; font-weight: 600; }
.badge.verified { background: #dff3e8; color: var(--ok); }
.badge.pending { background: #fff1cf; color: #8a6400; }
.badge.unverified, .badge.rejected, .badge.frozen { background: #fbe3e1; color: var(--bad); }
.badge.active { background: #dff3e8; color: var(--ok); }

form.stack { display: grid; gap: 12px; max-width: 460px; }
label { font-size: .85rem; color: var(--muted); display: grid; gap: 4px; }
input, select { padding: 11px 12px; border: 1px solid #c8d1de; border-radius: 10px; background: #fff; }
input:focus, select:focus { outline: 2px solid var(--gold); border-color: var(--gold); }
.btn { background: var(--navy); color: #fff; border: 0; padding: 11px 18px; border-radius: 10px; cursor: pointer; font-weight: 600; }
.btn:hover { background: var(--navy-2); }
.btn.alt { background: #fff; color: var(--navy); border: 1px solid var(--navy); }
.btn.sm { padding: 6px 12px; font-size: .85rem; }
.btn.danger { background: var(--bad); }
.btn[disabled] { opacity: .6; cursor: wait; }
.msg { padding: 10px 12px; border-radius: 10px; font-size: .9rem; margin: 10px 0; }
.msg.err { background: #fbe3e1; color: var(--bad); }
.msg.ok { background: #dff3e8; color: var(--ok); }
.banner { background: #fff7e0; border: 1px solid #f0d98a; color: #6b5200; }

table { width: 100%; border-collapse: collapse; }
th, td { text-align: left; padding: 10px 8px; border-bottom: 1px solid var(--line); font-size: .92rem; vertical-align: top; }
th { color: var(--muted); font-weight: 600; font-size: .78rem; text-transform: uppercase; letter-spacing: .5px; }
td.amt { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; white-space: nowrap; }
td.amt.neg { color: var(--bad); } td.amt.pos { color: var(--ok); }
.tbl-wrap { overflow-x: auto; }

/* auth screen */
.auth { min-height: 100vh; display: grid; place-items: center; padding: 16px; background: linear-gradient(160deg, var(--navy), #1d4278); }
.auth .box { background: #fff; border-radius: 18px; padding: 32px; width: 100%; max-width: 420px; }
.auth .brand { color: var(--navy); font-size: 1.5rem; margin-bottom: 4px; }
.auth .tag { color: var(--muted); margin-bottom: 20px; }
.tabs { display: flex; gap: 8px; margin-bottom: 16px; }
.tabs button { flex: 1; padding: 9px; border: 1px solid var(--line); background: #fff; border-radius: 10px; cursor: pointer; }
.tabs button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.foot { text-align: center; color: var(--muted); font-size: .8rem; margin: 30px 0; }
@media (max-width: 560px) { .topbar .in { height: auto; padding: 10px 0; flex-direction: column; align-items: flex-start; } }

/* utility classes (replace inline styles so the strict CSP can stay on) */
.muted { color: var(--muted); }
.hint { font-size: .8rem; color: var(--muted); }
.sub { opacity: .7; font-size: .8rem; }
.memo { color: var(--muted); font-size: .8rem; }
.mono { font-family: ui-monospace, Menlo, monospace; font-size: .8rem; }
.mt { margin-top: 18px; }

.badge.approved { background: #dff3e8; color: var(--ok); }
.badge.cancelled { background: #e8ebf0; color: var(--muted); }
.badge.rejected { background: #fbe3e1; color: var(--bad); }

/* registration wizard + profile */
main.narrow { max-width: 820px; }
.welcome { margin-bottom: 14px; } .welcome h1 { font-size: 1.5rem; color: var(--navy); }
.stepper { list-style: none; display: flex; gap: 4px; padding: 0; margin: 0 0 16px; overflow-x: auto; }
.stepper li { flex: 1 0 auto; }
.stepper button { display: flex; flex-direction: column; align-items: center; gap: 4px; width: 100%; min-width: 74px; background: none; border: 0; cursor: pointer; padding: 6px 2px; color: var(--muted); font-size: .72rem; }
.stepper button[disabled] { cursor: not-allowed; opacity: .55; }
.stepper .dot { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 2px solid var(--line); font-weight: 700; font-size: .85rem; }
.stepper li.cur .dot { border-color: var(--gold); background: var(--navy); color: #fff; }
.stepper li.done .dot { background: var(--ok); border-color: var(--ok); color: #fff; }
.stepper li.cur .lbl { color: var(--navy); font-weight: 700; }
.fields { display: grid; gap: 14px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.field.wide { grid-column: 1 / -1; }
@media (max-width: 600px) { .fields { grid-template-columns: 1fr; } }
.field label { display: grid; gap: 4px; }
.field input, .field select, .field textarea { width: 100%; }
textarea { font: inherit; padding: 11px 12px; border: 1px solid #c8d1de; border-radius: 10px; resize: vertical; }
.invalid { border-color: var(--bad) !important; }
.ferr { color: var(--bad); font-size: .8rem; min-height: 0; }
label.chk { display: flex; gap: 10px; align-items: flex-start; color: var(--ink); font-size: .9rem; }
label.chk input { width: auto; margin-top: 3px; }
.actions { display: flex; gap: 10px; justify-content: flex-end; margin-top: 18px; }
.tiles { display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); margin-top: 8px; }
.tile { border: 2px dashed var(--line); border-radius: 12px; padding: 14px; display: grid; gap: 8px; justify-items: start; }
.tile.done { border: 2px solid var(--ok); background: #f3fbf6; }
.tile .tt { font-weight: 600; font-size: .9rem; }
.row-between { display: flex; justify-content: space-between; align-items: center; gap: 10px; }
.kvs { display: grid; gap: 0; } .kv { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: .92rem; }
.kv span { color: var(--muted); } .kv b { text-align: right; font-weight: 600; word-break: break-word; }
.pf-head { display: grid; grid-template-columns: auto 1fr auto; gap: 18px; align-items: center; }
.avatar { width: 64px; height: 64px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 1.4rem; font-weight: 700; }
.chips { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 8px; align-items: center; }
.chip { background: var(--bg); border: 1px solid var(--line); border-radius: 999px; padding: 2px 10px; font-size: .78rem; }
.meta { display: grid; gap: 8px; font-size: .85rem; } .meta span { display: block; color: var(--muted); font-size: .75rem; }
@media (max-width: 700px) { .pf-head { grid-template-columns: auto 1fr; } .meta { grid-column: 1 / -1; } }
.grid2 { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.tline { list-style: none; padding: 0; margin: 10px 0; display: grid; gap: 12px; }
.tline li { display: flex; gap: 10px; align-items: center; color: var(--muted); }
.tline .pt { width: 22px; height: 22px; border-radius: 50%; border: 2px solid var(--line); display: grid; place-items: center; font-size: .75rem; color: #fff; }
.tline li.ok { color: var(--ink); } .tline li.ok .pt { background: var(--ok); border-color: var(--ok); }
.lock { font-size: .78rem; color: var(--muted); }
.msg.ok + * , .card > .msg.ok { margin-top: 0; }
.badge.pending { background: #fff1cf; color: #8a6400; }

/* admin review detail */
.sect { margin: 14px 0; padding-top: 6px; border-top: 1px solid var(--line); } .sect h4 { margin: 8px 0; color: var(--navy); }
.docs { display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); } .doc { border: 1px solid var(--line); border-radius: 10px; padding: 10px; display: grid; gap: 6px; }
.thumb { max-width: 100%; max-height: 160px; border-radius: 6px; border: 1px solid var(--line); }

/* public website (homepage, terms, privacy) */
.site .in { max-width: 1040px; margin: auto; padding: 0 16px; }
.site .in.narrow { max-width: 780px; }
.site-bar { background: var(--navy); position: sticky; top: 0; z-index: 20; }
.site-bar .in { display: flex; align-items: center; justify-content: space-between; min-height: 64px; gap: 12px; flex-wrap: wrap; padding-top: 6px; padding-bottom: 6px; }
.site-bar .brand { color: #fff; text-decoration: none; }
.site-nav { display: flex; gap: 4px 14px; align-items: center; flex-wrap: wrap; }
.site-nav a:not(.btn) { color: #cfd8e6; text-decoration: none; font-size: .92rem; padding: 6px 4px; }
.site-nav a:not(.btn):hover { color: #fff; }
a.btn { text-decoration: none; display: inline-block; }
.btn.gold { background: var(--gold); color: #1b1500; } .btn.gold:hover { background: #dbb335; }
.btn.ghost { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.55); } .btn.ghost:hover { background: rgba(255,255,255,.1); }
.site-nav .btn.alt { color: #fff; background: transparent; border-color: rgba(255,255,255,.5); }
.hero { background: linear-gradient(160deg, var(--navy), #1d4278); color: #fff; padding: 64px 0 72px; }
.hero .in { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: 2px; font-size: .75rem; color: var(--gold); font-weight: 700; }
.hero h1 { font-size: 2.5rem; line-height: 1.15; margin: 10px 0 16px; }
.hero p { color: #d6e0ee; font-size: 1.08rem; max-width: 560px; }
.cta { display: flex; gap: 12px; flex-wrap: wrap; margin: 22px 0; }
.ticks { list-style: none; padding: 0; margin: 0; display: flex; gap: 8px 22px; flex-wrap: wrap; color: #cfd8e6; font-size: .9rem; }
.ticks li::before { content: '✓ '; color: var(--gold); font-weight: 700; }
.hero-card { display: grid; gap: 14px; }
.hero-card small { color: #9fb2cc; text-align: right; }
.mini { background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.22); border-radius: 16px; padding: 18px 20px; display: grid; gap: 2px; }
.mini.alt { background: rgba(201,162,39,.16); }
.mini span { font-size: .72rem; letter-spacing: 1px; opacity: .8; } .mini b { opacity: .9; } .mini em { font-style: normal; font-size: .75rem; opacity: .7; margin-top: 8px; } .mini strong { font-size: 1.8rem; }
.block { padding: 64px 0; } .block.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.block h2 { font-size: 1.8rem; color: var(--navy); } .lead { color: var(--muted); margin: 0 0 24px; }
.cards { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); margin-top: 20px; }
.cards.two { grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); }
.fcard { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; border-top: 3px solid var(--gold); }
.block.alt .fcard { background: var(--bg); }
.fcard h3 { color: var(--navy); } .fcard p { color: var(--muted); margin: 0; }
.how { list-style: none; counter-reset: s; padding: 0; margin: 22px 0 10px; display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.how li { counter-increment: s; background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 18px 18px 64px; position: relative; display: grid; gap: 4px; }
.how li::before { content: counter(s); position: absolute; left: 16px; top: 16px; width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-weight: 700; }
.how span { color: var(--muted); font-size: .92rem; } .note { color: var(--muted); font-size: .9rem; }
details { background: var(--bg); border: 1px solid var(--line); border-radius: 12px; padding: 14px 18px; margin: 10px 0; }
summary { cursor: pointer; font-weight: 600; color: var(--navy); } details p { margin: 10px 0 0; color: var(--muted); }
.cta-band { background: var(--navy); color: #fff; text-align: center; } .cta-band h2 { color: #fff; }
.site-foot { background: #071a33; color: #b8c6da; padding: 40px 0 28px; font-size: .9rem; }
.site-foot .cols { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); }
.site-foot h4 { color: #fff; margin: 0 0 8px; } .site-foot a { display: block; color: #b8c6da; text-decoration: none; padding: 3px 0; } .site-foot a:hover { color: #fff; }
.site-foot .brand { color: #fff; } .legalline { font-size: .78rem; color: #8ea1ba; border-top: 1px solid rgba(255,255,255,.1); padding-top: 12px; margin: 14px 0 0; }
.legal-page { padding: 40px 0 60px; background: #fff; }
.legal h1 { color: var(--navy); } .legal h2 { color: var(--navy); font-size: 1.15rem; margin: 26px 0 8px; }
.legal p, .legal li { color: #2b3645; line-height: 1.65; } .legal ul { padding-left: 22px; }
.legal .meta { color: var(--muted); font-size: .88rem; } .callout { background: #fff7e0; border: 1px solid #f0d98a; border-radius: 12px; padding: 14px 16px; }
@media (max-width: 800px) { .hero .in { grid-template-columns: 1fr; } .hero h1 { font-size: 1.9rem; } .block { padding: 44px 0; } .cards.two { grid-template-columns: 1fr; } }

/* forced Terms & Conditions pop-up */
.modal-back { position: fixed; inset: 0; background: rgba(7,26,51,.82); z-index: 100; display: grid; place-items: center; padding: 14px; }
.modal { background: #fff; border-radius: 16px; width: 100%; max-width: 760px; max-height: calc(100vh - 28px); display: grid; grid-template-rows: auto 1fr auto; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,.4); }
.modal header { padding: 18px 22px 10px; border-bottom: 1px solid var(--line); } .modal header h2 { color: var(--navy); margin: 0 0 4px; } .modal header p { margin: 0; color: var(--muted); font-size: .9rem; }
.modal .scroll { overflow-y: auto; padding: 4px 22px 16px; background: #fbfcfe; min-height: 160px; }
.modal footer { padding: 14px 22px 18px; border-top: 1px solid var(--line); display: grid; gap: 10px; }
.modal .scrollhint { font-size: .82rem; color: #8a6400; } .modal .scrollhint.ok { color: var(--ok); }
.modal .actions { margin-top: 4px; }
.auth .back { display: block; text-align: center; margin-top: 14px; font-size: .85rem; }
body.modal-open { overflow: hidden; }
.site main { max-width: none; margin: 0; padding: 0; }
.legal .meta { display: block; gap: 0; }
.how li { align-content: start; }

/* ===== live chat widget ===== */
.tbc-btn { position: fixed; right: 22px; bottom: 22px; z-index: 200; width: 62px; height: 62px; border-radius: 50%; cursor: pointer; padding: 0; display: grid; place-items: center; color: #fff;
  background: rgba(11,37,69,.42); -webkit-backdrop-filter: blur(12px) saturate(1.5); backdrop-filter: blur(12px) saturate(1.5);
  border: 1px solid rgba(255,255,255,.55); box-shadow: 0 8px 28px rgba(7,26,51,.35), inset 0 1px 0 rgba(255,255,255,.35);
  transition: background .2s, transform .2s, box-shadow .2s; animation: tbc-bob 5s ease-in-out infinite; }
.tbc-btn:hover, .tbc-btn:focus-visible { background: rgba(11,37,69,.78); transform: translateY(-3px) scale(1.04); outline: 2px solid var(--gold); outline-offset: 3px; }
.tbc-btn svg { width: 28px; height: 28px; fill: currentColor; filter: drop-shadow(0 1px 2px rgba(0,0,0,.35)); }
.tbc-btn.is-open { animation: none; background: rgba(11,37,69,.78); }
.tbc-ring { position: absolute; inset: -5px; border-radius: 50%; border: 2px solid transparent; border-top-color: var(--gold); border-right-color: rgba(201,162,39,.35); animation: tbc-spin 6s linear infinite; pointer-events: none; }
.tbc-btn.has-unread .tbc-ring { animation-duration: 1.4s; }
.tbc-badge { position: absolute; top: -4px; right: -4px; min-width: 22px; height: 22px; padding: 0 5px; border-radius: 11px; background: var(--gold); color: #1b1500; font-size: .75rem; font-weight: 800; display: grid; place-items: center; border: 2px solid #fff; }
.tbc-tip { position: fixed; right: 94px; bottom: 36px; z-index: 200; background: rgba(255,255,255,.88); -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); color: var(--navy); border: 1px solid rgba(11,37,69,.15); border-radius: 14px; padding: 10px 34px 10px 14px; box-shadow: 0 8px 24px rgba(7,26,51,.22); cursor: pointer; font-size: .9rem; animation: tbc-in .35s ease; }
.tbc-tipx { position: absolute; top: 2px; right: 4px; border: 0; background: none; font-size: 1.2rem; color: var(--muted); cursor: pointer; padding: 2px 6px; }
.tbc-panel { position: fixed; right: 22px; bottom: 98px; z-index: 200; width: 372px; max-width: calc(100vw - 24px); height: 540px; max-height: calc(100vh - 120px); display: grid; grid-template-rows: auto 1fr auto; background: rgba(255,255,255,.97); border-radius: 18px; overflow: hidden; border: 1px solid rgba(11,37,69,.12); box-shadow: 0 18px 60px rgba(7,26,51,.38); animation: tbc-in .25s ease; }
.tbc-panel header { background: linear-gradient(160deg, var(--navy), #1d4278); color: #fff; padding: 14px 16px; display: flex; justify-content: space-between; gap: 10px; align-items: center; }
.tbc-title { display: grid; gap: 2px; } .tbc-title small { display: flex; gap: 6px; align-items: center; color: #cfd8e6; font-size: .78rem; }
.tbc-dot { width: 9px; height: 9px; border-radius: 50%; background: #8896a8; flex: none; } .tbc-dot.on { background: #35d07f; box-shadow: 0 0 0 3px rgba(53,208,127,.25); }
.tbc-x { background: rgba(255,255,255,.12); border: 0; color: #fff; width: 32px; height: 32px; border-radius: 50%; cursor: pointer; display: grid; place-items: center; padding: 0; } .tbc-x:hover { background: rgba(255,255,255,.25); } .tbc-x svg { width: 16px; height: 16px; fill: currentColor; }
.tbc-body { overflow-y: auto; background: #f4f6f9; min-height: 0; }
.tbc-loading { padding: 24px; color: var(--muted); text-align: center; }
.tbc-form { display: grid; gap: 10px; padding: 16px; } .tbc-form label { font-size: .8rem; display: grid; gap: 3px; } .tbc-form input, .tbc-form select, .tbc-form textarea { width: 100%; font-size: .92rem; }
.tbc-intro { margin: 0; color: var(--ink); font-size: .92rem; } .tbc-note { margin: 0; font-size: .74rem; color: var(--muted); }
.tbc-err { color: var(--bad); font-size: .82rem; } .tbc-err:empty { display: none; }
.tbc-go { background: var(--navy); color: #fff; border: 0; border-radius: 10px; padding: 11px 16px; font-weight: 600; cursor: pointer; } .tbc-go:hover { background: var(--navy-2); } .tbc-go[disabled] { opacity: .6; cursor: wait; }
.tbc-list { display: flex; flex-direction: column; gap: 8px; padding: 14px; min-height: 100%; justify-content: flex-end; }
.tbc-msg { display: flex; flex-direction: column; max-width: 82%; gap: 2px; } .tbc-msg small { font-size: .68rem; color: var(--muted); padding: 0 6px; }
.tbc-bub { padding: 9px 13px; border-radius: 16px; font-size: .92rem; line-height: 1.4; white-space: pre-wrap; overflow-wrap: anywhere; }
.tbc-msg.me { align-self: flex-end; align-items: flex-end; } .tbc-msg.me .tbc-bub { background: var(--navy); color: #fff; border-bottom-right-radius: 5px; }
.tbc-msg.admin { align-self: flex-start; } .tbc-msg.admin .tbc-bub { background: #fff; border: 1px solid var(--line); color: var(--ink); border-bottom-left-radius: 5px; }
.tbc-msg.system { align-self: center; max-width: 92%; } .tbc-msg.system .tbc-bub { background: transparent; color: var(--muted); font-size: .8rem; text-align: center; padding: 4px 8px; }
.tbc-msg.pending { opacity: .6; } .tbc-msg.failed .tbc-bub { background: var(--bad); }
.tbc-foot { background: #fff; border-top: 1px solid var(--line); padding: 8px 10px 6px; display: grid; gap: 4px; } .tbc-foot:empty { display: none; }
.tbc-compose { display: flex; gap: 8px; align-items: flex-end; } .tbc-compose textarea { flex: 1; resize: none; border: 1px solid #c8d1de; border-radius: 12px; padding: 10px 12px; font: inherit; max-height: 110px; }
.tbc-send { width: 42px; height: 42px; border-radius: 50%; border: 0; background: var(--gold); color: #1b1500; cursor: pointer; display: grid; place-items: center; flex: none; padding: 0; } .tbc-send:hover { background: #dbb335; } .tbc-send svg { width: 20px; height: 20px; fill: currentColor; }
.tbc-endlink { justify-self: end; background: none; border: 0; color: var(--muted); font-size: .72rem; cursor: pointer; text-decoration: underline; padding: 0 4px 2px; }
.tbc-closed { display: grid; gap: 8px; justify-items: center; color: var(--muted); font-size: .88rem; padding: 6px 0; }
@keyframes tbc-bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-5px); } }
@keyframes tbc-spin { to { transform: rotate(360deg); } }
@keyframes tbc-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .tbc-btn, .tbc-ring, .tbc-panel, .tbc-tip { animation: none !important; } }
@media (max-width: 600px) { .tbc-panel { inset: 0; width: auto; max-width: none; height: auto; max-height: none; border-radius: 0; } .tbc-btn { right: 14px; bottom: 14px; width: 56px; height: 56px; } .tbc-tip { right: 80px; bottom: 26px; } .tbc-btn.is-open { display: none; } }

/* admin chat inbox */
.small { font-size: .82rem; } .pad { padding: 14px; }
.cl-wrap { display: grid; grid-template-columns: 300px 1fr; border: 1px solid var(--line); border-radius: 12px; overflow: hidden; height: 560px; background: #fff; }
.cl-list { overflow-y: auto; border-right: 1px solid var(--line); background: #fbfcfe; }
.cl-row { display: grid; gap: 2px; width: 100%; text-align: left; background: none; border: 0; border-bottom: 1px solid var(--line); padding: 11px 13px; cursor: pointer; }
.cl-row:hover { background: #f0f4fa; } .cl-row.sel { background: #e6eefb; box-shadow: inset 3px 0 0 var(--gold); } .cl-row.closed { opacity: .65; }
.cl-top { display: flex; justify-content: space-between; align-items: center; } .cl-unread { background: var(--gold); color: #1b1500; border-radius: 10px; min-width: 20px; text-align: center; font-size: .72rem; font-weight: 800; padding: 1px 6px; }
.cl-meta { font-size: .74rem; color: var(--muted); } .cl-last { font-size: .84rem; color: var(--ink); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; } .cl-time { font-size: .7rem; color: var(--muted); }
.cl-thread { display: grid; grid-template-rows: auto 1fr auto; min-width: 0; min-height: 0; }
.cl-head { display: flex; justify-content: space-between; gap: 10px; padding: 12px 14px; border-bottom: 1px solid var(--line); align-items: center; flex-wrap: wrap; } .cl-actions { display: flex; gap: 8px; }
.cl-msgs { overflow-y: auto; padding: 14px; background: #f4f6f9; display: flex; flex-direction: column; gap: 8px; }
.am { display: flex; flex-direction: column; max-width: 75%; gap: 2px; } .am small { font-size: .68rem; color: var(--muted); padding: 0 6px; }
.ab { padding: 9px 13px; border-radius: 14px; white-space: pre-wrap; overflow-wrap: anywhere; font-size: .92rem; }
.am.user { align-self: flex-start; } .am.user .ab { background: #fff; border: 1px solid var(--line); }
.am.admin { align-self: flex-end; align-items: flex-end; } .am.admin .ab { background: var(--navy); color: #fff; }
.am.system { align-self: center; max-width: 90%; } .am.system .ab { background: none; color: var(--muted); font-size: .8rem; text-align: center; padding: 2px 8px; }
.cl-compose { border-top: 1px solid var(--line); padding: 10px 12px; display: grid; gap: 8px; background: #fff; } .cl-compose textarea { width: 100%; border: 1px solid #c8d1de; border-radius: 10px; padding: 10px 12px; font: inherit; resize: none; }
.cl-cbar { display: flex; justify-content: space-between; gap: 10px; }
@media (max-width: 760px) { .cl-wrap { grid-template-columns: 1fr; height: auto; } .cl-list { max-height: 220px; border-right: 0; border-bottom: 1px solid var(--line); } .cl-thread { height: 480px; } }
label.small { display: inline-flex; gap: 6px; align-items: center; color: var(--muted); }
.sitebanner { background: #0b2545; color: #fff; text-align: center; padding: 10px 16px; font-size: .92rem; }
.auth .box form { display: grid; gap: 12px; } .auth .box form small { color: var(--muted); }

/* ===================== Wealth Creation ===================== */
:root { --display: ui-serif, 'Iowan Old Style', 'Palatino Linotype', Palatino, Georgia, serif; --vault: #07182f; --brass: #d9b44a; }
.sitebanner { background: #0b2545; color: #fff; text-align: center; padding: 10px 16px; font-size: .92rem; }

/* homepage banner: a vault at night, ruled like a ledger */
.wealth-band { background: var(--vault); color: #fff; position: relative; overflow: hidden; border-block: 1px solid rgba(217,180,74,.4); }
.wealth-band::before { content: ''; position: absolute; inset: 0; pointer-events: none;
  background: repeating-linear-gradient(0deg, rgba(217,180,74,.07) 0 1px, transparent 1px 36px), radial-gradient(55% 120% at 90% 45%, rgba(217,180,74,.24), transparent 62%), radial-gradient(40% 80% at 0% 0%, rgba(29,66,120,.55), transparent 70%); }
.wealth-band > .in { position: relative; display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 56px; align-items: center; padding: 64px 16px; }
.wb-eyebrow { display: inline-block; color: var(--brass); font-weight: 600; letter-spacing: .06em; font-size: .95rem; padding: 4px 0 4px 14px; border-left: 3px solid var(--brass); }
.wealth-band h2 { font-family: var(--display); font-weight: 500; font-size: clamp(2rem, 4.6vw, 3.2rem); line-height: 1.08; letter-spacing: -.01em; margin: 16px 0 16px; max-width: 14em; }
.wealth-band .wb-copy > p { color: #cdd9ea; font-size: 1.06rem; max-width: 34em; margin: 0 0 22px; }
.wealth-band .cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 22px; }
.wealth-band .wb-note { font-size: .82rem; color: #93a8c6; max-width: 40em; margin: 0; }
.wb-vault { background: linear-gradient(160deg, rgba(255,255,255,.12), rgba(255,255,255,.04)); border: 1px solid rgba(255,255,255,.22); border-radius: 22px; padding: 26px 26px 22px; backdrop-filter: blur(14px); box-shadow: 0 24px 60px rgba(0,0,0,.35), inset 0 1px 0 rgba(255,255,255,.25); }
.wb-rate { display: flex; align-items: baseline; gap: 12px; }
.wb-rate b { font-family: var(--display); font-weight: 500; font-size: 4.4rem; line-height: 1; color: var(--brass); font-variant-numeric: lining-nums; }
.wb-rate span { color: #cdd9ea; font-size: 1.05rem; }
.wb-vault h3 { font-size: .95rem; font-weight: 600; color: #e7eefb; margin: 18px 0 10px; }
.wb-ladder { list-style: none; margin: 0; padding: 0; display: grid; gap: 7px; }
.wb-ladder li { display: grid; grid-template-columns: 4.6rem 1fr 3.6rem; gap: 10px; align-items: center; font-size: .86rem; }
.wb-ladder span { color: #b6c6de; } .wb-ladder b { text-align: right; font-variant-numeric: tabular-nums; color: #fff; }
.wb-ladder i { display: block; height: 9px; border-radius: 5px; background: rgba(255,255,255,.12); overflow: hidden; }
.wb-ladder u { display: block; height: 100%; border-radius: 5px; background: linear-gradient(90deg, #b8932c, var(--brass)); text-decoration: none; }
.wb-sample { margin-top: 18px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.2); display: flex; justify-content: space-between; align-items: baseline; gap: 12px; color: #cdd9ea; }
.wb-sample b { font-family: var(--display); font-weight: 500; font-size: 1.7rem; color: #fff; font-variant-numeric: tabular-nums; }
@media (max-width: 860px) { .wealth-band > .in { grid-template-columns: 1fr; gap: 32px; padding: 44px 16px; } .wb-rate b { font-size: 3.4rem; } }

/* portal: Wealth Creation page */
.wc-hero { background: var(--vault); color: #fff; border-radius: 20px; padding: 28px 28px 24px; position: relative; overflow: hidden; border: 1px solid rgba(217,180,74,.35); margin-bottom: 18px; }
.wc-hero::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: repeating-linear-gradient(0deg, rgba(217,180,74,.07) 0 1px, transparent 1px 34px), radial-gradient(50% 120% at 100% 30%, rgba(217,180,74,.22), transparent 62%); }
.wc-hero > * { position: relative; }
.wc-hero h2 { font-family: var(--display); font-weight: 500; font-size: clamp(1.8rem, 4vw, 2.5rem); margin: 0 0 6px; letter-spacing: -.01em; }
.wc-hero p { color: #cdd9ea; max-width: 40em; margin: 0 0 18px; }
.wc-figs { display: flex; gap: 34px; flex-wrap: wrap; }
.wc-figs div { display: grid; gap: 2px; } .wc-figs b { font-family: var(--display); font-weight: 500; font-size: 1.9rem; font-variant-numeric: tabular-nums; } .wc-figs span { color: #a9bbd6; font-size: .85rem; }
.wc-figs .gold b { color: var(--brass); }
.wc-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 18px; align-items: start; }
.wc-plans { display: grid; gap: 8px; }
.wc-plan { display: grid; grid-template-columns: auto 1fr auto; gap: 12px; align-items: center; border: 1px solid var(--line); border-radius: 12px; padding: 10px 14px; cursor: pointer; background: #fff; }
.wc-plan:has(input:checked) { border-color: var(--navy); box-shadow: inset 3px 0 0 var(--gold); background: #f7f9fd; }
.wc-plan input { width: auto; } .wc-plan b { display: block; } .wc-plan small { color: var(--muted); } .wc-plan .pr { font-family: var(--display); font-size: 1.3rem; color: var(--navy); }
.wc-quick { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 6px; } .wc-quick button { background: #eef2f8; color: var(--navy); border: 0; border-radius: 999px; padding: 5px 12px; font-size: .82rem; cursor: pointer; } .wc-quick button:hover { background: #dfe7f3; }
.wc-quote { background: #f6f8fc; border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; display: grid; gap: 4px; font-size: .92rem; } .wc-quote .row { display: flex; justify-content: space-between; gap: 10px; } .wc-quote .tot { font-weight: 700; font-size: 1.05rem; color: var(--navy); border-top: 1px dashed #c9d3e3; padding-top: 6px; margin-top: 2px; }
.wc-ladder { display: grid; gap: 8px; margin: 0; padding: 0; list-style: none; }
.wc-ladder li { display: grid; grid-template-columns: 4.6rem 1fr 7.2rem; gap: 10px; align-items: center; font-size: .88rem; } .wc-ladder li span { color: var(--muted); } .wc-ladder li b { text-align: right; font-variant-numeric: tabular-nums; }
.wc-ladder i { display: block; height: 10px; background: #e6ebf4; border-radius: 6px; overflow: hidden; } .wc-ladder u { display: block; height: 100%; background: linear-gradient(90deg, var(--navy-2), #2f5fa5); border-radius: 6px; } .wc-ladder li:last-child u { background: linear-gradient(90deg, #b8932c, var(--brass)); }
.wc-risk { font-size: .85rem; color: var(--muted); border-left: 3px solid var(--gold); padding: 2px 0 2px 12px; margin: 12px 0 0; }
.wc-locks { display: grid; gap: 12px; margin-top: 6px; }
.wc-lock { border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; display: grid; gap: 10px; background: #fff; }
.wc-lock .top { display: flex; justify-content: space-between; gap: 12px; align-items: baseline; flex-wrap: wrap; } .wc-lock .amt { font-family: var(--display); font-size: 1.5rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.wc-lock .meta { display: flex; gap: 18px; flex-wrap: wrap; font-size: .86rem; color: var(--muted); } .wc-lock .meta b { color: var(--ink); }
.wc-prog { height: 8px; background: #e6ebf4; border-radius: 5px; overflow: hidden; } .wc-prog u { display: block; height: 100%; background: linear-gradient(90deg, #b8932c, var(--brass)); border-radius: 5px; }
.wc-promo { background: var(--vault); color: #fff; border-radius: 16px; padding: 18px 22px; display: flex; gap: 18px; align-items: center; justify-content: space-between; flex-wrap: wrap; margin-bottom: 18px; border: 1px solid rgba(217,180,74,.4); position: relative; overflow: hidden; }
.wc-promo::before { content: ''; position: absolute; inset: 0; pointer-events: none; background: radial-gradient(40% 140% at 100% 50%, rgba(217,180,74,.25), transparent 65%); }
.wc-promo > * { position: relative; } .wc-promo h3 { font-family: var(--display); font-weight: 500; font-size: 1.35rem; margin: 0 0 4px; } .wc-promo p { margin: 0; color: #cdd9ea; font-size: .92rem; max-width: 38em; }
@media (max-width: 800px) { .wc-grid { grid-template-columns: 1fr; } .wc-ladder li { grid-template-columns: 4.2rem 1fr 6.4rem; } }

/* ===================== Transparent pop-ups (every dialog) ===================== */
.modal-back, .glass-back { background: radial-gradient(70% 50% at 50% 0%, rgba(217,180,74,.2), transparent 65%), rgba(6,18,38,.5); backdrop-filter: blur(10px) saturate(1.2); -webkit-backdrop-filter: blur(10px) saturate(1.2); }
.modal, .glass { background: linear-gradient(180deg, rgba(255,255,255,.93), rgba(255,255,255,.86)); backdrop-filter: blur(22px) saturate(1.4); -webkit-backdrop-filter: blur(22px) saturate(1.4); border: 1px solid rgba(255,255,255,.7); border-radius: 22px; box-shadow: 0 30px 80px rgba(3,12,28,.45), inset 0 1px 0 rgba(255,255,255,.75); position: relative; overflow: hidden; animation: glassIn .22s ease-out; }
.modal::before, .glass::before { content: ''; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--brass) 70%, transparent); z-index: 1; }
.modal .scroll { background: rgba(255,255,255,.5); } .modal header, .modal footer { background: transparent; border-color: rgba(11,37,69,.1); }
.glass { width: 100%; max-width: 480px; padding: 26px 26px 22px; display: grid; gap: 14px; max-height: calc(100vh - 28px); overflow-y: auto; }
.glass h3 { font-family: var(--display); font-weight: 500; font-size: 1.55rem; color: var(--navy); margin: 0; line-height: 1.2; } .glass p { margin: 0; color: #3a4658; }
.glass .sumrows { display: grid; gap: 6px; background: rgba(11,37,69,.05); border-radius: 12px; padding: 12px 14px; font-size: .94rem; } .glass .sumrows div { display: flex; justify-content: space-between; gap: 12px; } .glass .sumrows .tot { border-top: 1px dashed rgba(11,37,69,.25); padding-top: 6px; font-weight: 700; color: var(--navy); }
.glass label.chk { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; } .glass label.chk input { width: auto; margin-top: 3px; }
.glass .actions { display: flex; gap: 10px; justify-content: flex-end; flex-wrap: wrap; }
.glass .seal { width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center; background: radial-gradient(circle at 30% 30%, #f1d37a, #b8932c); color: #1b1500; font-size: 1.6rem; font-weight: 700; box-shadow: 0 8px 22px rgba(184,147,44,.5); }
@keyframes glassIn { from { opacity: 0; transform: translateY(10px) scale(.985); } to { opacity: 1; transform: none; } }
@supports not (backdrop-filter: blur(1px)) { .modal, .glass { background: rgba(255,255,255,.97); } .modal-back, .glass-back { background: rgba(6,18,38,.8); } }
@media (prefers-reduced-motion: reduce) { .modal, .glass { animation: none; } }
.glass-back { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 14px; overflow-y: auto; }

/* ---------- Client portfolio (accounts page and profile) ---------- */
.pf { --pf-line: #e3e8f0; font-variant-numeric: tabular-nums; }
.pf-hello { margin: 4px 0 12px; color: var(--muted); font-size: .95rem; }
.pf-cover { position: relative; overflow: hidden; color: #fff; border-radius: 22px; padding: 22px 20px 6px; margin-bottom: 14px; border: 1px solid rgba(217,180,74,.38);
  background: radial-gradient(60% 90% at 100% 0, rgba(217,180,74,.20), transparent 62%), repeating-linear-gradient(0deg, rgba(255,255,255,.028) 0 1px, transparent 1px 30px), linear-gradient(165deg, #0e2d57, #07182f 72%); }
.pf-id { display: flex; gap: 16px; align-items: center; }
.pf-ring { flex: none; width: 76px; height: 76px; border-radius: 50%; display: grid; place-items: center; background: conic-gradient(var(--brass) calc(var(--p, 33) * 1%), rgba(255,255,255,.16) 0); }
.pf-ring span { width: 64px; height: 64px; border-radius: 50%; background: #0a2040; color: var(--brass); display: grid; place-items: center; font-family: var(--display); font-size: 1.5rem; }
.pf-who { min-width: 0; } .pf-who h2 { margin: 0; font-family: var(--display); font-weight: 500; font-size: 1.5rem; line-height: 1.15; overflow-wrap: anywhere; }
.pf-mail { color: #b9c8de; font-size: .88rem; margin-top: 2px; overflow-wrap: anywhere; }
.pf-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.pf-tag { border-radius: 999px; padding: 3px 10px; font-size: .75rem; font-weight: 600; background: rgba(255,255,255,.1); color: #e8eef8; }
.pf-tag b { font-weight: 600; font-family: ui-monospace, Menlo, monospace; }
.pf-tag.verified { background: rgba(80,200,140,.18); color: #92e3b9; } .pf-tag.pending { background: rgba(217,180,74,.2); color: #f0d98a; }
.pf-tag.unverified, .pf-tag.rejected { background: rgba(255,120,110,.18); color: #ffb4ac; } .pf-tag.warn { margin-left: 8px; background: rgba(255,120,110,.18); color: #b3261e; }
.pf-folio { margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.13); }
.pf-label { color: #b9c8de; font-size: .85rem; }
.pf-total { font-family: var(--display); font-weight: 500; font-size: clamp(2.2rem, 9vw, 3.2rem); line-height: 1.1; margin-top: 2px; letter-spacing: -.01em; }
.pf-note { margin: 4px 0 14px; color: #93a8c6; font-size: .82rem; max-width: 40em; }
.pf-bar { display: flex; gap: 3px; height: 10px; border-radius: 6px; overflow: hidden; background: rgba(255,255,255,.1); transform-origin: left; animation: pf-grow .9s cubic-bezier(.2,.7,.2,1) both; }
.pf-bar.empty { animation: none; }
.pf-seg { display: block; height: 100%; } .pf-seg.s0, .pf-dot.s0 { background: #d6e4f7; } .pf-seg.s1, .pf-dot.s1 { background: #6f9fd4; } .pf-seg.s2, .pf-dot.s2 { background: #3f78b5; } .pf-seg.sL, .pf-dot.sL { background: var(--brass); }
.pf-legend { list-style: none; margin: 12px 0 0; padding: 0; display: grid; gap: 7px; }
.pf-legend li { display: grid; grid-template-columns: 12px 1fr auto 3.6rem; gap: 8px; align-items: center; font-size: .88rem; color: #d7e2f2; }
.pf-legend b { font-weight: 600; color: #fff; } .pf-legend em { font-style: normal; text-align: right; color: #93a8c6; }
.pf-dot { width: 10px; height: 10px; border-radius: 3px; display: block; }
.pf-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 20px 0 0; padding: 14px 0; border-top: 1px solid rgba(255,255,255,.13); }
.pf-facts dt { color: #93a8c6; font-size: .75rem; } .pf-facts dd { margin: 2px 0 0; font-weight: 600; font-size: .9rem; overflow-wrap: anywhere; }
@keyframes pf-grow { from { transform: scaleX(0); } to { transform: scaleX(1); } }

.pf-actions { display: grid; grid-template-columns: repeat(auto-fit, minmax(72px, 1fr)); gap: 10px; margin-bottom: 14px; }
.pf-act { display: grid; justify-items: center; gap: 8px; padding: 14px 6px 12px; background: #fff; color: var(--navy); border: 1px solid var(--pf-line); border-radius: 16px; font: inherit; font-size: .84rem; font-weight: 600; cursor: pointer; transition: transform .15s, border-color .15s; }
.pf-act:hover { border-color: var(--brass); transform: translateY(-2px); }
.pf-act .pf-ico { width: 38px; height: 38px; padding: 9px; border-radius: 12px; background: #eef3fa; color: var(--navy); }
.pf-ico { fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; width: 18px; height: 18px; }

.pf-cols { display: grid; gap: 14px; align-items: start; }
.pf-sec { background: #fff; border: 1px solid var(--pf-line); border-radius: 18px; padding: 18px 18px 14px; margin-bottom: 14px; }
.pf-sec-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 6px; }
.pf-sec-head h3 { margin: 0; font-family: var(--display); font-weight: 500; font-size: 1.25rem; color: var(--navy); }
.pf-gain { color: var(--ok); font-weight: 700; font-size: .85rem; }
.pf-empty { color: var(--muted); font-size: .92rem; margin: 8px 0 12px; }
.pf-link { background: none; border: 0; padding: 8px 0 4px; color: var(--navy-2); font: inherit; font-weight: 600; font-size: .9rem; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }

.pf-rows { list-style: none; margin: 0; padding: 0; }
.pf-row { display: grid; grid-template-columns: 1fr auto; gap: 4px 14px; padding: 14px 0 12px; border-bottom: 1px solid var(--pf-line); cursor: pointer; }
.pf-row:last-child { border-bottom: 0; } .pf-row:hover .pf-row-name { color: var(--navy-2); }
.pf-row-name { font-weight: 700; color: var(--navy); display: flex; align-items: center; }
.pf-row-num { display: flex; align-items: center; gap: 4px; font-family: ui-monospace, Menlo, monospace; font-size: .85rem; color: var(--muted); margin-top: 2px; }
.pf-copy { display: inline-grid; place-items: center; width: 28px; height: 28px; border: 0; border-radius: 8px; background: transparent; color: var(--muted); cursor: pointer; } .pf-copy:hover, .pf-copy.done { background: #eef3fa; color: var(--ok); }
.pf-row-fig { text-align: right; display: grid; align-content: center; } .pf-row-fig b { font-size: 1.2rem; color: var(--navy); } .pf-row-fig span { font-size: .76rem; color: var(--muted); }
.pf-meter { grid-column: 1 / -1; height: 4px; border-radius: 4px; background: #e9eef6; overflow: hidden; margin-top: 8px; } .pf-meter i { display: block; height: 100%; background: var(--navy-2); border-radius: 4px; }

.pf-locks { list-style: none; margin: 8px 0 0; padding: 0; display: grid; gap: 14px; }
.pf-lock-top { display: flex; justify-content: space-between; gap: 12px; align-items: center; } .pf-lock-top b { color: var(--navy); }
.pf-lock-name { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); } .pf-lock-name .pf-ico { color: var(--brass); width: 16px; height: 16px; }
.pf-lock-bar { height: 8px; border-radius: 6px; background: #e9eef6; margin: 8px 0 6px; overflow: hidden; } .pf-lock-bar i { display: block; height: 100%; border-radius: 6px; background: linear-gradient(90deg, #b8922a, var(--brass)); }
.pf-lock-foot { display: flex; justify-content: space-between; gap: 10px; flex-wrap: wrap; font-size: .8rem; color: var(--muted); }

.pf-acts { list-style: none; margin: 4px 0 0; padding: 0; }
.pf-acts li { display: flex; justify-content: space-between; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--pf-line); }
.pf-acts li:last-child { border-bottom: 0; }
.pf-act-main { min-width: 0; display: grid; gap: 2px; } .pf-act-main b { font-size: .92rem; color: var(--navy); font-weight: 600; } .pf-act-main span { font-size: .76rem; color: var(--muted); overflow-wrap: anywhere; }
.pf-acts em { font-style: normal; font-weight: 700; white-space: nowrap; } .pf-acts em.pos { color: var(--ok); } .pf-acts em.neg { color: var(--ink); }

.pf-layout { display: grid; gap: 14px; align-items: start; } .pf-aside, .pf-main { min-width: 0; }
@media (min-width: 900px) {
  .pf-cover { padding: 28px 30px 8px; display: grid; grid-template-columns: 1.1fr 1fr; column-gap: 40px; }
  .pf-cover .pf-id { grid-column: 1; align-self: start; } .pf-cover .pf-folio { grid-column: 2; grid-row: 1 / span 2; margin: 0; padding: 0 0 0 36px; border-top: 0; border-left: 1px solid rgba(255,255,255,.13); }
  .pf-cover .pf-facts { grid-column: 1; align-self: end; border-top: 0; margin-top: 0; }
  .pf-cover:not(:has(.pf-folio)) { display: block; } .pf-cover:not(:has(.pf-folio)) .pf-facts { margin-top: 18px; border-top: 1px solid rgba(255,255,255,.13); }
  .pf-cols { grid-template-columns: 1.55fr 1fr; } .pf-layout { grid-template-columns: 360px 1fr; } .pf-aside { position: sticky; top: 14px; }
}
@media (prefers-reduced-motion: reduce) { .pf-bar { animation: none; } .pf-act { transition: none; } .pf-act:hover { transform: none; } }
.pf-act:focus-visible, .pf-row:focus-visible, .pf-link:focus-visible, .pf-copy:focus-visible { outline: 3px solid var(--brass); outline-offset: 2px; }
.kv span { flex: 1 1 auto; min-width: 0; } .kv b { flex: 0 1 auto; max-width: 62%; min-width: 3.4em; }

/* ---------- Busy home: services grid, Wealth Creation calculator, cash flow, attention list ---------- */
.pf-sub { color: var(--muted); font-size: .8rem; }
.pf-svc-grid { display: grid; gap: 10px; grid-template-columns: repeat(auto-fill, minmax(min(100%, 200px), 1fr)); margin-top: 10px; }
.pf-svc { position: relative; display: flex; align-items: center; gap: 12px; text-align: left; width: 100%; padding: 13px 12px; background: #f8fafd; border: 1px solid var(--pf-line); border-radius: 14px; color: var(--navy); font: inherit; cursor: pointer; transition: border-color .15s, background .15s; }
.pf-svc:hover { border-color: var(--brass); background: #fff; }
.pf-svc-ic { flex: none; display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: #e6edf7; color: var(--navy); } .pf-svc-ic .pf-ico { width: 20px; height: 20px; }
.pf-svc-tx { display: grid; gap: 1px; min-width: 0; } .pf-svc-tx b { font-size: .95rem; } .pf-svc-tx small { color: var(--muted); font-size: .76rem; line-height: 1.3; }
.pf-svc-badge { position: absolute; top: 8px; right: 8px; font-style: normal; font-size: .66rem; font-weight: 700; padding: 2px 7px; border-radius: 999px; background: #fff1cf; color: #7a5a00; }
.pf-svc.feature { background: linear-gradient(135deg, #0e2d57, #07182f); border-color: rgba(217,180,74,.55); color: #fff; } .pf-svc.feature .pf-svc-tx small { color: #b9c8de; } .pf-svc.feature .pf-svc-ic { background: rgba(217,180,74,.18); color: var(--brass); } .pf-svc.feature .pf-svc-badge { background: var(--brass); color: #07182f; }

.pf-wh { position: relative; overflow: hidden; color: #fff; border-radius: 20px; padding: 20px 18px 14px; margin-bottom: 14px; border: 1px solid rgba(217,180,74,.45);
  background: radial-gradient(55% 80% at 100% 0, rgba(217,180,74,.24), transparent 62%), repeating-linear-gradient(0deg, rgba(255,255,255,.03) 0 1px, transparent 1px 28px), linear-gradient(160deg, #0e2d57, #07182f 75%); }
.pf-wh-top { display: flex; justify-content: space-between; gap: 16px; align-items: flex-start; }
.pf-wh h3 { margin: 0 0 6px; font-family: var(--display); font-weight: 500; font-size: 1.35rem; line-height: 1.2; } .pf-wh p { margin: 0; color: #cdd9ea; font-size: .88rem; max-width: 36em; }
.pf-wh-rate { flex: none; text-align: right; } .pf-wh-rate b { display: block; font-family: var(--display); font-weight: 500; font-size: 2.8rem; line-height: 1; color: var(--brass); } .pf-wh-rate span { font-size: .75rem; color: #b9c8de; }
.pf-wh-body { display: grid; gap: 16px; margin-top: 16px; }
.pf-wh-ladder { display: flex; gap: 6px; align-items: flex-end; height: 120px; padding: 0 2px; border-bottom: 1px solid rgba(255,255,255,.16); }
.pf-wh-col { flex: 1; display: grid; justify-items: center; align-items: end; gap: 4px; height: 100%; } .pf-wh-col small { color: #93a8c6; font-size: .65rem; }
.pf-wh-bar { width: 100%; max-width: 34px; height: 100%; display: flex; align-items: flex-end; background: rgba(255,255,255,.06); border-radius: 6px 6px 0 0; overflow: hidden; } .pf-wh-bar i { display: block; width: 100%; background: linear-gradient(180deg, #f0d98a, #b8922a); transition: height .35s; }
.pf-wh-calc { display: grid; gap: 10px; align-content: start; }
.pf-wh-calc label span { display: block; font-size: .8rem; color: #b9c8de; margin-bottom: 4px; }
.pf-wh-in { display: flex; align-items: center; gap: 6px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2); border-radius: 12px; padding: 0 12px; } .pf-wh-in span { margin: 0; color: var(--brass); font-weight: 700; }
.pf-wh-in input { flex: 1; min-width: 0; background: transparent; border: 0; color: #fff; font: inherit; font-size: 1.3rem; padding: 10px 0; outline: none; } .pf-wh-in:focus-within { border-color: var(--brass); }
.pf-wh-chips { display: flex; gap: 6px; } .pf-wh-chips button { flex: 1; padding: 6px 0; border-radius: 999px; border: 1px solid rgba(255,255,255,.22); background: transparent; color: #e8eef8; font: inherit; font-size: .82rem; cursor: pointer; } .pf-wh-chips button:hover { border-color: var(--brass); color: var(--brass); }
.pf-wh-out { display: grid; gap: 4px; font-size: .88rem; } .pf-wh-out > div { display: flex; justify-content: space-between; color: #cdd9ea; } .pf-wh-out b { color: #fff; } .pf-wh-out .pf-gain { color: #7fe0ab; } .pf-wh-out .tot { border-top: 1px solid rgba(255,255,255,.16); padding-top: 6px; font-weight: 700; } .pf-wh-out .tot b { font-size: 1.2rem; color: var(--brass); }
.pf-wh .btn.gold:disabled { opacity: .45; cursor: not-allowed; }
.pf-wh-fine { margin-top: 12px !important; font-size: .72rem !important; color: #93a8c6 !important; }

.pf-cf-tot { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 4px 0 12px; } .pf-cf-tot span { display: block; color: var(--muted); font-size: .76rem; } .pf-cf-tot b { font-size: 1.15rem; color: var(--navy); } .pf-cf-tot b.pos { color: var(--ok); }
.pf-cf-bars { display: flex; gap: 10px; height: 110px; align-items: flex-end; }
.pf-cf-col { flex: 1; height: 100%; display: grid; grid-template-rows: 1fr auto; gap: 4px; justify-items: center; } .pf-cf-col small { font-size: .66rem; color: var(--muted); }
.pf-cf-pair { display: flex; gap: 3px; align-items: flex-end; height: 100%; width: 100%; justify-content: center; } .pf-cf-pair i { display: block; width: 40%; max-width: 20px; border-radius: 4px 4px 0 0; min-height: 2px; } .pf-cf-pair .in { background: #3fae7a; } .pf-cf-pair .out { background: var(--navy-2); }

.pf-todo { list-style: none; margin: 6px 0 0; padding: 0; display: grid; gap: 6px; } .pf-todo button { display: flex; align-items: center; gap: 12px; width: 100%; padding: 10px; text-align: left; background: #fff8e6; border: 1px solid #f0dca0; border-radius: 12px; font: inherit; color: var(--navy); cursor: pointer; } .pf-todo button:hover { border-color: var(--brass); }
.pf-todo .pf-svc-ic { background: #fff; width: 34px; height: 34px; } .pf-todo .pf-svc-ic .pf-ico { width: 17px; height: 17px; }
.pf-help p { margin: 4px 0 12px; color: var(--muted); font-size: .88rem; } .pf-help-btns { display: flex; gap: 8px; flex-wrap: wrap; }
.pf-strip { display: flex; align-items: center; gap: 14px; margin-top: 18px; padding: 14px 16px; color: #fff; border-radius: 16px; border: 1px solid rgba(217,180,74,.45); background: radial-gradient(40% 160% at 100% 50%, rgba(217,180,74,.22), transparent 65%), linear-gradient(135deg, #0e2d57, #07182f); }
.pf-strip .pf-svc-ic { background: rgba(217,180,74,.18); color: var(--brass); } .pf-strip div { flex: 1; min-width: 0; display: grid; gap: 2px; } .pf-strip small { color: #cdd9ea; font-size: .8rem; }
@media (max-width: 560px) { .pf-strip { flex-wrap: wrap; } .pf-strip .btn { width: 100%; } .pf-wh-rate b { font-size: 2.2rem; } }
@media (min-width: 760px) { .pf-wh-body { grid-template-columns: 1fr 1fr; align-items: end; } }
@media (prefers-reduced-motion: reduce) { .pf-wh-bar i, .pf-svc { transition: none; } }
.pf-svc:focus-visible, .pf-todo button:focus-visible, .pf-wh-chips button:focus-visible { outline: 3px solid var(--brass); outline-offset: 2px; }
.pf-cols { grid-template-columns: minmax(0, 1fr); } .pf-cols > div { min-width: 0; }
@media (min-width: 900px) { .pf-cols { grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr); } }

.pf-svc-badge { position: static !important; justify-self: start; margin-top: 4px; }
.pf-svc-grid { grid-template-columns: repeat(auto-fill, minmax(min(100%, 260px), 1fr)); }
.pf-wh-body { grid-template-columns: minmax(0, 1fr); } .pf-wh-calc, .pf-wh-in { min-width: 0; }
@media (min-width: 760px) { .pf-wh-body { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
@media (max-width: 560px) { .pf-services .pf-sub { display: none; } }
/* identity verification */
.vf-head { display: grid; gap: 12px; } .vf-steps { margin: 4px 0 0; }
.vf-why p { margin: 0 0 12px; } .vf-why h3 { margin-top: 4px; }
.vf-qs { list-style: decimal; padding-left: 20px; display: grid; gap: 16px; margin: 0; }
.vf-q { display: grid; gap: 6px; } .vf-q textarea { width: 100%; } .vf-q.done b::after { content: ' ✓'; color: #1b7a43; }
.banner.vf-alert { border-left: 4px solid var(--gold); font-weight: 600; }
.vf-btn { margin-top: 12px; }
.glass .actions .btn.gold { background: linear-gradient(180deg, #f1d37a, #b8932c); color: #1b1500; border: 0; }

/* ===== live chat v9: face avatars, sign-in step, typing, seen ===== */
.tbf { display: block; border-radius: 50%; }
.tbf .m { display: none; } .tbf.mood-smile .m-smile, .tbf.mood-talk .m-talk, .tbf.mood-type .m-type, .tbf.mood-away .m-away { display: inline; }
.tbf-eyes { transform-box: fill-box; transform-origin: center; animation: tbf-blink 5.5s infinite; }
.tbf.mood-type .tbf-eyes { animation: none; transform: translateY(1.4px); } .tbf.mood-away .tbf-eyes { animation: none; transform: scaleY(.35); }
@keyframes tbf-blink { 0%, 91%, 100% { transform: scaleY(1); } 94% { transform: scaleY(.08); } }
.tbc-btn .tbc-face { width: 52px; height: 52px; border-radius: 50%; overflow: hidden; display: block; box-shadow: 0 2px 8px rgba(0,0,0,.3); }
.tbc-btn .tbf { width: 100%; height: 100%; fill: initial; filter: none; }
.tbc-btn:hover .tbf-eyes { animation: tbf-wink .6s 1; } @keyframes tbf-wink { 40%, 60% { transform: scaleY(.1); } }
.tbc-pip { position: absolute; left: -4px; bottom: -2px; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); display: grid; place-items: center; border: 2px solid #fff; }
.tbc-btn .tbc-pip svg { width: 11px; height: 11px; fill: #1b1500; filter: none; }
.tbc-ring { border-top-color: var(--gold); border-right-color: #35d07f; border-bottom-color: rgba(201,162,39,.35); }
.tbc-panel header { justify-content: flex-start; } .tbc-title { flex: 1; min-width: 0; } .tbc-x { margin-left: auto; }
.tbc-hface { width: 44px; height: 44px; border-radius: 50%; flex: none; box-shadow: 0 0 0 2px rgba(255,255,255,.25); transition: box-shadow .3s; } .tbc-hface .tbf { width: 44px; height: 44px; }
.tbc-hface.on { box-shadow: 0 0 0 2px #0b2545, 0 0 0 4.5px #35d07f; }
.tbc-panel.is-typing .tbc-title small { color: #8ff0bb; }
.tbc-hello { display: flex; gap: 10px; align-items: center; } .tbc-hello .tbf { flex: none; }
.tbc-draft { background: #fff; border: 1px dashed #c8d1de; border-radius: 10px; padding: 8px 10px; } .tbc-draft small { color: var(--muted); font-size: .72rem; } .tbc-draft p { margin: 2px 0 0; font-size: .86rem; color: var(--ink); overflow-wrap: anywhere; }
.tbc-endlink.left { justify-self: start; }
.tbc-msg.admin { flex-direction: row; align-items: flex-end; gap: 6px; } .tbc-av { width: 28px; height: 28px; flex: none; } .tbc-av .tbf { width: 28px; height: 28px; }
.tbc-mc { display: flex; flex-direction: column; gap: 2px; min-width: 0; } .tbc-msg.me .tbc-mc { align-items: flex-end; } .tbc-msg.system .tbc-mc { align-items: center; }
.tbc-seen { color: #1b7a43 !important; font-weight: 600; }
.tbc-dots { display: flex !important; gap: 4px; padding: 12px 14px !important; } .tbc-dots i { width: 7px; height: 7px; border-radius: 50%; background: #9aa7ba; animation: tbc-dot 1.1s infinite ease-in-out; } .tbc-dots i:nth-child(2) { animation-delay: .15s; } .tbc-dots i:nth-child(3) { animation-delay: .3s; }
@keyframes tbc-dot { 0%, 60%, 100% { transform: translateY(0); opacity: .5; } 30% { transform: translateY(-4px); opacity: 1; } }
@media (prefers-reduced-motion: reduce) { .tbf-eyes, .tbc-dots i { animation: none !important; } }

/* ---- notifications (v10): bell, list, full message ---- */
.bell-wrap { position: relative; display: inline-flex; }
.topbar nav button.bell { position: relative; display: inline-grid; place-items: center; width: 40px; height: 38px; padding: 0; }
.bell-svg { fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.bell-badge { position: absolute; top: -2px; right: -2px; min-width: 18px; height: 18px; padding: 0 5px; border-radius: 9px; background: #d64545; color: #fff; font-size: .7rem; font-weight: 700; line-height: 18px; text-align: center; box-shadow: 0 0 0 2px var(--navy); }
.topbar nav button.bell[aria-expanded="true"] { background: var(--navy-2); color: #fff; }
.nt-panel { position: fixed; right: 8px; top: 64px; z-index: 70; width: min(380px, calc(100vw - 16px)); background: #fff; color: var(--ink); border-radius: 14px; box-shadow: 0 18px 50px rgba(11,37,69,.28); overflow: hidden; }
.nt-panel header { display: flex; justify-content: space-between; align-items: center; padding: 12px 16px; border-bottom: 1px solid #e6ebf2; }
.nt-panel h3 { margin: 0; font-size: 1rem; color: var(--navy); }
.topbar nav .nt-link, .nt-link { background: none; border: 0; color: var(--navy-2); cursor: pointer; font-size: .85rem; text-decoration: underline; padding: 4px; }
.nt-list { list-style: none; margin: 0; padding: 0; max-height: min(420px, 64vh); overflow-y: auto; }
.nt-list li + li { border-top: 1px solid #eef1f6; }
.nt-empty { padding: 22px 18px; color: var(--muted); font-size: .92rem; }
.topbar nav .nt-item, .nt-item { display: flex; gap: 12px; width: 100%; text-align: left; background: #fff; border: 0; padding: 12px 16px; cursor: pointer; color: var(--ink); border-radius: 0; }
.topbar nav .nt-item:hover, .nt-item:hover { background: #f4f7fb; color: var(--ink); }
.nt-item.unread { background: #f8fbff; }
.nt-dot { flex: none; width: 9px; height: 9px; border-radius: 50%; margin-top: 6px; background: transparent; }
.nt-item.unread .nt-dot { background: var(--navy-2); }
.nt-item.unread.action .nt-dot, .nt-item.unread.alert .nt-dot { background: #d64545; }
.nt-txt { display: grid; gap: 2px; min-width: 0; }
.nt-txt b { font-size: .93rem; color: var(--navy); }
.nt-item:not(.unread) .nt-txt b { font-weight: 600; color: var(--ink); }
.nt-prev { font-size: .86rem; color: #3a4658; overflow: hidden; display: -webkit-box; -webkit-line-clamp: 2; -webkit-box-orient: vertical; }
.nt-txt small { color: var(--muted); font-size: .76rem; }
.nt-full { max-width: 720px; border-left: 5px solid var(--navy-2); }
.nt-full.action { border-left-color: var(--gold); } .nt-full.alert { border-left-color: #d64545; }
.nt-meta { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; color: var(--muted); }
.nt-kind { padding: 2px 10px; border-radius: 999px; font-size: .75rem; font-weight: 700; background: #e7eef9; color: var(--navy-2); }
.nt-kind.action { background: #fff1cf; color: #8a6400; } .nt-kind.alert { background: #fbe3e1; color: var(--bad); }
.nt-body { white-space: pre-wrap; line-height: 1.6; margin: 10px 0 18px; overflow-wrap: anywhere; }
.nt-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.nt-toasts { position: fixed; top: 74px; right: 14px; z-index: 90; display: grid; gap: 8px; width: min(340px, calc(100vw - 28px)); }
.nt-toast { display: grid; grid-template-columns: 1fr auto; gap: 2px 10px; align-items: center; background: var(--navy); color: #fff; padding: 12px 14px; border-radius: 12px; box-shadow: 0 10px 30px rgba(11,37,69,.35); }
.nt-toast span { grid-column: 1; font-size: .85rem; color: #cfd8e6; } .nt-toast .btn { grid-column: 2; grid-row: 1 / span 2; }
@media (prefers-reduced-motion: no-preference) { .bell-badge:not(.hidden) { animation: ntpop .35s ease-out; } @keyframes ntpop { from { transform: scale(.4); } to { transform: scale(1); } } }
.glass .nt-body { max-height: 46vh; overflow-y: auto; margin: 0; } .nt-seal.alert { background: radial-gradient(circle at 30% 30%, #f4a3a3, #c24141); color: #fff; box-shadow: 0 8px 22px rgba(194,65,65,.45); } .nt-seal.info { background: radial-gradient(circle at 30% 30%, #b9d3f5, #4f7fc4); color: #fff; box-shadow: 0 8px 22px rgba(79,127,196,.45); }

.modal .scroll { min-height: 220px; line-height: 1.55; } .modal .scroll h1 { font-size: 1.4rem; margin-top: 8px; } .modal .scroll h2 { font-size: 1.05rem; margin: 1.2em 0 .4em; }
.modal footer .actions { display: flex; gap: 10px; justify-content: flex-end; flex-wrap: wrap; } .modal footer .btn { min-height: 44px; cursor: pointer; }