/* =========================================================
   Regal loan portal — application, borrower portal, admin
   Shares the site palette: navy + champagne gold + ivory
   ========================================================= */
:root {
  --navy-900: #0B1320; --navy-800: #0F1B2D; --navy-700: #16243a; --navy-600: #1d2f49;
  --ink: #11161f; --ivory: #F6F2EA; --ivory-dim: #E7E0D3; --paper: #FBF9F4;
  --gold: #C6A24C; --gold-soft: #D8BE7E; --gold-deep: #A9863A;
  --muted: #6c7686; --line: #e4dccb; --line-soft: #efe9dc;
  --ok: #2f7a55; --ok-bg: #e8f3ec; --warn: #9a6b12; --warn-bg: #fbf1dc; --err: #a33a2c; --err-bg: #fbeae7;
  --serif: "EB Garamond", Georgia, serif;
  --sans: "Inter", system-ui, -apple-system, sans-serif;
  --r: 4px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--ivory); font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; }
a { color: var(--gold-deep); }
button, input, select, textarea { font: inherit; color: inherit; }
[hidden] { display: none !important; }

/* ---------- Header ---------- */
.ph { background: var(--navy-800); color: var(--ivory); border-bottom: 1px solid rgba(198,162,76,.35); }
.ph__in { max-width: 1180px; margin: 0 auto; padding: 14px 20px; display: flex; align-items: center; gap: 16px; }
.ph__logo img { height: 34px; width: auto; display: block; }
.ph__tag { font-size: 11px; letter-spacing: .28em; text-transform: uppercase; color: var(--gold-soft); border-left: 1px solid rgba(198,162,76,.4); padding-left: 16px; }
.ph__right { margin-left: auto; display: flex; align-items: center; gap: 14px; font-size: 14px; }
.ph__right a { color: var(--ivory-dim); text-decoration: none; }
.ph__right a:hover { color: var(--gold-soft); }
.ph__who { color: var(--ivory-dim); font-size: 13px; }
@media (max-width: 640px) { .ph__tag { display: none; } .ph__who { display: none; } }

.wrap { max-width: 1180px; margin: 0 auto; padding: 32px 20px 64px; }
.wrap--narrow { max-width: 520px; }

.eyebrow { font-size: 11px; letter-spacing: .3em; text-transform: uppercase; color: var(--gold-deep); font-weight: 600; margin: 0 0 8px; }
h1, h2, h3 { font-family: var(--serif); font-weight: 500; line-height: 1.12; margin: 0; }
h1 { font-size: clamp(1.9rem, 4vw, 2.6rem); }
h2 { font-size: 1.6rem; }
h3 { font-size: 1.25rem; }
.lead { color: var(--muted); margin: 8px 0 0; }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--r); box-shadow: 0 18px 40px -30px rgba(7,12,22,.35); }
.card__pad { padding: clamp(20px, 4vw, 36px); }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 22px; border-radius: 2px; border: 1px solid transparent; cursor: pointer; font-weight: 600; font-size: 14px; letter-spacing: .04em; text-decoration: none; transition: background .15s, border-color .15s, color .15s; min-height: 44px; }
.btn--gold { background: var(--gold); color: var(--navy-900); }
.btn--gold:hover { background: var(--gold-soft); }
.btn--navy { background: var(--navy-800); color: var(--ivory); }
.btn--navy:hover { background: var(--navy-600); }
.btn--ghost { background: transparent; border-color: var(--line); color: var(--ink); }
.btn--ghost:hover { border-color: var(--gold); }
.btn--sm { padding: 7px 12px; min-height: 34px; font-size: 13px; }
.btn[disabled] { opacity: .55; cursor: default; }
.linkbtn { background: none; border: 0; padding: 0; color: var(--gold-deep); cursor: pointer; font-size: 13px; text-decoration: underline; }

/* ---------- Application layout ---------- */
.app { display: grid; grid-template-columns: 250px 1fr; gap: 28px; align-items: start; margin-top: 24px; }
@media (max-width: 900px) { .app { grid-template-columns: 1fr; } }

.steps { position: sticky; top: 20px; padding: 22px 0; }
.steps ol { list-style: none; margin: 0; padding: 0; }
.steps li { display: flex; align-items: center; gap: 12px; padding: 10px 22px; font-size: 14px; color: var(--muted); border-left: 3px solid transparent; }
.steps li .n { width: 26px; height: 26px; border-radius: 50%; border: 1px solid var(--line); display: grid; place-items: center; font-size: 12px; font-weight: 600; flex: none; background: var(--paper); }
.steps li.is-done { color: var(--ink); cursor: pointer; }
.steps li.is-done .n { background: var(--navy-800); border-color: var(--navy-800); color: var(--gold-soft); }
.steps li.is-cur { color: var(--ink); font-weight: 600; border-left-color: var(--gold); background: var(--paper); }
.steps li.is-cur .n { border-color: var(--gold); color: var(--gold-deep); }
.steps__secure { margin: 18px 22px 0; padding-top: 16px; border-top: 1px solid var(--line-soft); font-size: 12px; color: var(--muted); display: flex; gap: 8px; }
.steps__secure svg { flex: none; color: var(--gold-deep); margin-top: 2px; }
@media (max-width: 900px) {
  .steps { position: static; padding: 14px 16px; }
  .steps ol { display: flex; gap: 6px; overflow-x: auto; }
  .steps li { padding: 0; border: 0; background: none !important; }
  .steps li .t { display: none; }
  .steps li.is-cur .t { display: inline; white-space: nowrap; }
  .steps__secure { display: none; }
}

.step__head { margin-bottom: 22px; padding-bottom: 18px; border-bottom: 1px solid var(--line-soft); }
.grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px 18px; }
.f { grid-column: span 6; display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.f--half { grid-column: span 3; }
.f--third { grid-column: span 2; }
@media (max-width: 600px) { .f--half, .f--third { grid-column: span 6; } }
.f > label, .f__label { font-size: 13px; font-weight: 600; color: var(--navy-700); }
.f .req { color: var(--gold-deep); margin-left: 2px; }
.f__help { font-size: 12px; color: var(--muted); }
.f__err { font-size: 12px; color: var(--err); display: none; }
.f.has-err .f__err { display: block; }
.f.has-err input, .f.has-err select, .f.has-err textarea, .f.has-err .radios, .f.has-err .cards { border-color: var(--err); }
.f__lock { display: inline-flex; align-items: center; gap: 4px; font-size: 11px; font-weight: 500; color: var(--gold-deep); margin-left: 6px; }

input[type=text], input[type=email], input[type=tel], input[type=date], input[type=number], input[type=password], select, textarea {
  width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: var(--r); background: #fff; min-height: 44px; font-size: 16px;
}
textarea { min-height: 96px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(198,162,76,.18); }
input[readonly] { background: var(--paper); color: var(--muted); }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.money input { padding-left: 24px; }

.heading { grid-column: span 6; margin-top: 10px; padding-top: 16px; border-top: 1px solid var(--line-soft); font-family: var(--serif); font-size: 1.2rem; color: var(--navy-800); }
.heading:first-child { margin-top: 0; padding-top: 0; border-top: 0; }

.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); gap: 10px; border: 1px solid transparent; border-radius: var(--r); }
.cards label { border: 1px solid var(--line); border-radius: var(--r); padding: 14px; cursor: pointer; display: flex; flex-direction: column; gap: 4px; transition: border-color .15s, background .15s; }
.cards label:hover { border-color: var(--gold-soft); }
.cards input { position: absolute; opacity: 0; pointer-events: none; }
.cards strong { font-family: var(--serif); font-size: 1.12rem; font-weight: 500; }
.cards span { font-size: 12.5px; color: var(--muted); }
.cards label:has(input:checked) { border-color: var(--gold); background: var(--paper); box-shadow: inset 0 0 0 1px var(--gold); }
.cards label:has(input:focus-visible) { outline: 2px solid var(--gold); outline-offset: 2px; }

.radios { display: flex; gap: 8px; border: 1px solid transparent; border-radius: var(--r); }
.radios label { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border: 1px solid var(--line); border-radius: var(--r); cursor: pointer; font-size: 14px; min-height: 42px; }
.radios label:has(input:checked) { border-color: var(--gold); background: var(--paper); }
.radios input { accent-color: var(--gold-deep); }
.f--radio { flex-direction: row; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.f--radio > .f__label { font-weight: 500; font-size: 14px; color: var(--ink); flex: 1 1 280px; }
.f--radio .f__err { flex-basis: 100%; }

.check { display: flex; gap: 12px; align-items: flex-start; font-size: 14px; cursor: pointer; padding: 12px 14px; border: 1px solid var(--line-soft); border-radius: var(--r); background: var(--paper); }
.check input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--gold-deep); flex: none; }
.f.has-err .check { border-color: var(--err); }

.nav-row { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 28px; padding-top: 20px; border-top: 1px solid var(--line-soft); }
.saved { font-size: 12px; color: var(--muted); }

/* Review */
.review { display: grid; gap: 14px; margin-bottom: 26px; }
.review__sec { border: 1px solid var(--line-soft); border-radius: var(--r); }
.review__sec header { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; background: var(--paper); border-bottom: 1px solid var(--line-soft); }
.review__sec h3 { font-size: 1.05rem; }
.review dl { margin: 0; padding: 10px 14px; display: grid; grid-template-columns: minmax(140px, 40%) 1fr; gap: 6px 14px; font-size: 14px; }
.review dt { color: var(--muted); }
.review dd { margin: 0; word-break: break-word; }
@media (max-width: 520px) { .review dl { grid-template-columns: 1fr; } .review dd { margin-bottom: 6px; } }

/* ---------- Notices ---------- */
.notice { padding: 12px 14px; border-radius: var(--r); font-size: 14px; margin: 0 0 16px; border: 1px solid; }
.notice--err { background: var(--err-bg); border-color: #efc7bf; color: var(--err); }
.notice--ok { background: var(--ok-bg); border-color: #c4e0cf; color: var(--ok); }
.notice--info { background: var(--paper); border-color: var(--line); color: var(--ink); }

/* ---------- Portal ---------- */
.tracker { display: flex; gap: 0; margin: 22px 0 6px; overflow-x: auto; padding-bottom: 4px; }
.tracker__s { flex: 1 0 110px; position: relative; text-align: center; font-size: 12px; color: var(--muted); padding-top: 30px; }
.tracker__s::before { content: ""; position: absolute; top: 11px; left: 0; right: 0; height: 2px; background: var(--line); }
.tracker__s:first-child::before { left: 50%; }
.tracker__s:last-child::before { right: 50%; }
.tracker__s::after { content: ""; position: absolute; top: 4px; left: calc(50% - 8px); width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 2px solid var(--line); }
.tracker__s.is-done { color: var(--ink); }
.tracker__s.is-done::before { background: var(--gold); }
.tracker__s.is-done::after { background: var(--gold); border-color: var(--gold); }
.tracker__s.is-cur { color: var(--navy-800); font-weight: 600; }
.tracker__s.is-cur::after { background: var(--navy-800); border-color: var(--gold); box-shadow: 0 0 0 4px rgba(198,162,76,.25); }

.loanhead { display: flex; flex-wrap: wrap; gap: 18px 36px; align-items: flex-end; justify-content: space-between; }
.kv { display: flex; gap: 28px; flex-wrap: wrap; font-size: 13px; color: var(--muted); }
.kv b { display: block; color: var(--ink); font-size: 15px; font-weight: 600; }

.pgrid { display: grid; grid-template-columns: 1fr 320px; gap: 24px; margin-top: 24px; align-items: start; }
@media (max-width: 900px) { .pgrid { grid-template-columns: 1fr; } }

.progress { height: 6px; background: var(--line-soft); border-radius: 3px; overflow: hidden; margin: 10px 0 4px; }
.progress span { display: block; height: 100%; background: var(--gold); transition: width .3s; }

.needs__sec { border-top: 1px solid var(--line-soft); }
.needs__sec > h3 { font-size: 1.1rem; padding: 18px 0 8px; display: flex; align-items: center; gap: 10px; }
.needs__sec--req > h3 { color: var(--gold-deep); }
.item { display: grid; grid-template-columns: 22px 1fr auto; gap: 12px; align-items: start; padding: 12px 0; border-top: 1px dashed var(--line-soft); }
.item:first-of-type { border-top: 0; }
.item__ic { width: 20px; height: 20px; border-radius: 50%; border: 1.5px solid var(--line); margin-top: 2px; display: grid; place-items: center; }
.item.is-up .item__ic { background: var(--ok); border-color: var(--ok); color: #fff; }
.item__lbl { font-size: 14.5px; }
.item__note { font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.item__files { margin-top: 6px; display: flex; flex-direction: column; gap: 4px; }
.file { display: inline-flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--muted); }
.file button { font-size: 12.5px; }
.item.is-drag { background: var(--paper); outline: 2px dashed var(--gold); outline-offset: -2px; }
.upl input[type=file] { display: none; }
.item__bar { height: 3px; background: var(--line-soft); margin-top: 6px; border-radius: 2px; overflow: hidden; }
.item__bar span { display: block; height: 100%; background: var(--gold); width: 0; transition: width .2s; }

.side h3 { font-size: 1.15rem; margin-bottom: 10px; }
.contact { display: flex; gap: 14px; align-items: center; }
.contact img { width: 64px; height: 80px; object-fit: cover; border-radius: 2px; }
.contact p { margin: 0; font-size: 14px; }

/* ---------- Admin ---------- */
.toolbar { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; margin: 20px 0 14px; }
.toolbar input, .toolbar select { width: auto; min-width: 200px; }
.table-wrap { overflow-x: auto; }
table.t { width: 100%; border-collapse: collapse; font-size: 14px; background: #fff; }
.t th { text-align: left; font-size: 11px; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 600; padding: 12px 14px; border-bottom: 1px solid var(--line); background: var(--paper); white-space: nowrap; }
.t td { padding: 12px 14px; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.t tbody tr { cursor: pointer; }
.t tbody tr:hover { background: var(--paper); }
.pill { display: inline-block; font-size: 11.5px; padding: 3px 9px; border-radius: 20px; background: var(--paper); border: 1px solid var(--line); white-space: nowrap; }
.pill--warn { background: var(--warn-bg); border-color: #efd9a8; color: var(--warn); }
.pill--ok { background: var(--ok-bg); border-color: #c4e0cf; color: var(--ok); }
.muted { color: var(--muted); }
.small { font-size: 13px; }

.detail { display: grid; grid-template-columns: 1fr 340px; gap: 24px; align-items: start; }
@media (max-width: 1000px) { .detail { grid-template-columns: 1fr; } }
.pii { display: flex; gap: 10px; align-items: center; flex-wrap: wrap; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 14px; }
.stack > * + * { margin-top: 18px; }
.log { font-size: 12.5px; color: var(--muted); max-height: 260px; overflow: auto; }
.log div { padding: 5px 0; border-bottom: 1px solid var(--line-soft); }

.center { text-align: center; }
.spinner { width: 22px; height: 22px; border: 2px solid var(--line); border-top-color: var(--gold); border-radius: 50%; animation: spin .8s linear infinite; display: inline-block; vertical-align: middle; }
@keyframes spin { to { transform: rotate(360deg); } }
.foot { text-align: center; font-size: 12px; color: var(--muted); padding: 0 20px 40px; }
.foot a { color: var(--muted); }
.code-input { font-size: 26px !important; letter-spacing: 10px; text-align: center; font-variant-numeric: tabular-nums; }