:root{
  --navy:#0f2b46; --navy-2:#173d63; --gold:#c9962b; --gold-2:#e0b45a; --ink:#1c2430; --muted:#5b6773; --line:#e3e8ee;
  --bg:#f4f6f8; --card:#fff; --ok:#1e8e5a; --ok-bg:#e8f6ee; --warn:#b7791f; --warn-bg:#fdf3e1; --bad:#c0392b; --bad-bg:#fbe9e7;
  --radius:12px; --shadow:0 1px 2px rgba(16,24,40,.06),0 8px 24px rgba(16,24,40,.06);
}
*{box-sizing:border-box}
html{font-size:16px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:var(--navy-2)}
.demobar{background:repeating-linear-gradient(45deg,#7a1f1f,#7a1f1f 12px,#8f2626 12px,#8f2626 24px);color:#fff;text-align:center;font-size:12px;font-weight:700;letter-spacing:.4px;padding:6px 12px}
header.top{background:var(--navy);color:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px;max-width:1080px;margin:0 auto}
.brand{display:flex;align-items:center;gap:12px;font-weight:700;letter-spacing:.2px;color:#fff;text-decoration:none}
.brand .mark{width:34px;height:34px;border-radius:8px;background:linear-gradient(135deg,var(--gold),var(--gold-2));display:grid;place-items:center;color:var(--navy);font-weight:900;font-size:15px}
.brand small{display:block;font-weight:400;opacity:.8;font-size:12px;letter-spacing:.3px}
.brand .coop{display:block;font-size:11px;opacity:.72;letter-spacing:.2px;margin-top:1px}
@media (max-width:520px){.brand .coop{display:none}}
header.top nav a{color:#fff;opacity:.85;text-decoration:none;margin-left:16px;font-size:14px}
header.top nav a:hover{opacity:1}
main.wrap{max-width:1080px;margin:0 auto;padding:24px 20px 64px}
main.narrow{max-width:760px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.card+.card{margin-top:18px}
h1{font-size:26px;margin:0 0 6px;color:var(--navy);letter-spacing:-.2px}
h2{font-size:19px;margin:0 0 10px;color:var(--navy)}
h3{font-size:15px;margin:18px 0 8px;color:var(--navy);text-transform:uppercase;letter-spacing:.6px}
p.lead{font-size:17px;color:var(--muted);margin:0 0 18px}
.muted{color:var(--muted)}
.small{font-size:13px}
hr{border:0;border-top:1px solid var(--line);margin:18px 0}
/* stepper */
.stepper{display:flex;gap:6px;margin:0 0 22px;padding:0;list-style:none;flex-wrap:wrap}
.stepper li{flex:1 1 110px;min-width:96px;position:relative;padding:8px 6px 8px 0;font-size:12.5px;color:var(--muted);border-top:3px solid var(--line)}
.stepper li b{display:block;font-size:11px;letter-spacing:.6px;text-transform:uppercase;color:#98a2ad}
.stepper li.done{border-top-color:var(--ok);color:var(--ink)}
.stepper li.done b{color:var(--ok)}
.stepper li.current{border-top-color:var(--gold);color:var(--navy);font-weight:600}
.stepper li.current b{color:var(--gold)}
/* forms */
label{display:block;font-size:13.5px;font-weight:600;color:var(--navy);margin:14px 0 6px}
label .opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=date],select,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #cfd6de;border-radius:9px;background:#fff;color:var(--ink);transition:border .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(23,61,99,.15)}
textarea{min-height:90px;resize:vertical}
.grid{display:grid;gap:0 16px}
.grid.c2{grid-template-columns:1fr 1fr}
.grid.c3{grid-template-columns:1fr 1fr 1fr}
@media (max-width:640px){.grid.c2,.grid.c3{grid-template-columns:1fr}.stepper li{flex-basis:30%}}
.help{font-size:12.5px;color:var(--muted);margin-top:5px}
.check{display:flex;gap:10px;align-items:flex-start;padding:10px 12px;border:1px solid var(--line);border-radius:9px;margin:8px 0;background:#fbfcfd;font-size:14px}
.check input{margin-top:4px;width:17px;height:17px;flex:none}
.radio-cards{display:grid;gap:10px;grid-template-columns:1fr 1fr}
@media (max-width:640px){.radio-cards{grid-template-columns:1fr}}
.radio-card{border:1px solid var(--line);border-radius:10px;padding:14px;cursor:pointer;display:flex;gap:10px;align-items:flex-start;background:#fff}
.radio-card:has(input:checked){border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(23,61,99,.12);background:#f5f8fc}
.radio-card input{margin-top:3px}
.radio-card b{display:block;color:var(--navy)}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font:inherit;font-weight:700;padding:12px 20px;border-radius:9px;border:1px solid transparent;cursor:pointer;text-decoration:none;font-size:15px;transition:transform .05s,box-shadow .15s}
.btn:active{transform:translateY(1px)}
.btn.primary{background:var(--gold);color:var(--navy)}
.btn.primary:hover{background:var(--gold-2)}
.btn.navy{background:var(--navy);color:#fff}
.btn.navy:hover{background:var(--navy-2)}
.btn.ghost{background:#fff;color:var(--navy);border-color:#cfd6de}
.btn.ghost:hover{background:#f5f8fc}
.btn.small{padding:7px 12px;font-size:13px}
.btn.danger{background:#fff;color:var(--bad);border-color:#f0c4be}
.actions{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:24px;flex-wrap:wrap}
.actions .right{margin-left:auto;display:flex;gap:10px}
/* facts */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:14px 0}
.fact{background:#f7f9fb;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
.fact .k{font-size:11.5px;letter-spacing:.6px;text-transform:uppercase;color:var(--muted)}
.fact .v{font-size:19px;font-weight:700;color:var(--navy);margin-top:2px}
.fact .v.small{font-size:15px}
.fact.hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));border-color:var(--navy)}
.fact.hero .k{color:#c9d3df}.fact.hero .v{color:#fff;font-size:24px}
.kv{width:100%;border-collapse:collapse;font-size:14.5px}
.kv td{padding:8px 0;border-bottom:1px solid var(--line);vertical-align:top}
.kv td:first-child{color:var(--muted);width:38%;padding-right:12px}
/* alerts & pills */
.alert{padding:12px 14px;border-radius:9px;border:1px solid;margin:0 0 14px;font-size:14px}
.alert.ok{background:var(--ok-bg);border-color:#bfe3cf;color:#155d3b}
.alert.warn{background:var(--warn-bg);border-color:#f0d9a8;color:#7a5410}
.alert.bad{background:var(--bad-bg);border-color:#f0c4be;color:#8a2a1f}
.alert.info{background:#eef4fb;border-color:#cddcef;color:#1d3f66}
.pill{display:inline-block;padding:2px 9px;border-radius:999px;font-size:12px;font-weight:600;line-height:1.6;white-space:nowrap}
.pill.ok{background:var(--ok-bg);color:var(--ok)}.pill.warn{background:var(--warn-bg);color:var(--warn)}.pill.bad{background:var(--bad-bg);color:var(--bad)}
.pill.grey{background:#eef1f4;color:var(--muted)}.pill.navy{background:#e7eef7;color:var(--navy)}
/* doc list */
.doclist{list-style:none;margin:0;padding:0}
.doclist li{display:flex;align-items:center;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);flex-wrap:wrap}
.doclist .ic{width:36px;height:36px;border-radius:9px;display:grid;place-items:center;font-weight:800;font-size:12px;flex:none}
.doclist .ic.ok{background:var(--ok-bg);color:var(--ok)}.doclist .ic.todo{background:var(--warn-bg);color:var(--warn)}.doclist .ic.opt{background:#eef1f4;color:var(--muted)}
.doclist .t{flex:1;min-width:200px}.doclist .t b{display:block;color:var(--navy)}
.doclist .t span{font-size:13px;color:var(--muted)}
.upl{display:inline-flex;gap:8px;align-items:center;flex-wrap:wrap}
input[type=file]{font-size:13px;max-width:240px}
details.w9{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fbfcfd}
details.w9 summary{cursor:pointer;padding:12px 14px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center}
details.w9 summary::-webkit-details-marker{display:none}
details.w9 .body{padding:0 16px 16px}
.tin{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;letter-spacing:1px}
/* timeline */
.timeline{list-style:none;padding:0;margin:14px 0}
.timeline li{display:flex;gap:14px;align-items:flex-start;padding:10px 0}
.timeline .dot{width:22px;height:22px;border-radius:50%;border:2px solid #cfd6de;background:#fff;flex:none;display:grid;place-items:center;font-size:12px}
.timeline li.done .dot{background:var(--ok);border-color:var(--ok);color:#fff}
.timeline li.current .dot{border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,150,43,.2)}
.timeline li.current b{color:var(--navy)}
.timeline li:not(.done) .t{color:var(--muted)}
/* admin table */
table.grid-t{width:100%;border-collapse:collapse;font-size:13.5px;background:#fff}
table.grid-t th{background:#f0f3f7;text-align:left;padding:9px 10px;font-size:11.5px;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);border-bottom:1px solid var(--line);position:sticky;top:0}
table.grid-t td{padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}
table.grid-t tr:hover td{background:#fafbfd}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:10px;margin:0 0 18px}
.stat{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;text-decoration:none;color:inherit}
.stat b{display:block;font-size:22px;color:var(--navy)}
.stat span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
.stat.active{border-color:var(--gold);box-shadow:0 0 0 2px rgba(201,150,43,.25)}
.toolbar{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin:0 0 14px}
.toolbar input[type=text]{width:260px;padding:8px 10px}
.mono{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:12.5px}
.checks li{display:flex;gap:10px;align-items:flex-start;padding:7px 0;border-bottom:1px dashed var(--line);font-size:14px}
.checks .m{width:22px;height:22px;border-radius:6px;display:grid;place-items:center;font-size:12px;font-weight:800;flex:none}
.checks .m.ok{background:var(--ok-bg);color:var(--ok)}.checks .m.bad{background:var(--bad-bg);color:var(--bad)}.checks .m.hold{background:var(--warn-bg);color:var(--warn)}
.checks small{display:block;color:var(--muted)}
.diff td.changed{background:#fff8e6}
.devbox{background:#fff8e6;border:1px dashed #e0b45a;border-radius:9px;padding:10px 12px;font-size:12.5px;margin-top:14px;word-break:break-all}
footer.foot{max-width:1080px;margin:0 auto;padding:0 20px 40px;color:var(--muted);font-size:12.5px}
.login-hero{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
@media (max-width:820px){.login-hero{grid-template-columns:1fr}}
.steps-mini{margin:14px 0 0;padding-left:18px;color:var(--muted);font-size:14px}
.steps-mini li{margin:4px 0}
.sig-box{border:2px dashed #cfd6de;border-radius:10px;padding:16px;background:#fffdf7}
.sig-box input{font-family:"Snell Roundhand","Brush Script MT",cursive;font-size:26px;padding:8px 12px}