:root{--paper:#F6F3EC;--surface:#FFF;--sunk:#F2EEE8;--line:#E5DFD6;--line-2:#D6CEC2;--ink:#0F1E2E;--ink-2:#55504A;--muted:#857C74;--accent:#0F1E2E;--accent-soft:#E4EAF2;--ok:#2E7A57;--ok-soft:#E2F0E8;--warn:#A86B12;--warn-soft:#F7ECD8;--risk:#B3261E;--risk-soft:#F7E1DE;--info:#1E3A5F;--info-soft:#E4EAF2;--r:10px;--rs:6px;--sh:none;--sans:"DM Sans",sans-serif;--serif:Domine,Georgia,serif;--mono:"IBM Plex Mono",monospace}
*{box-sizing:border-box}html,body{margin:0}
body{background:var(--paper);color:var(--ink);font:15px/1.5 var(--sans);font-feature-settings:"tnum" 1}
a{color:inherit}a.btn{text-decoration:none}
.app{display:grid;grid-template-columns:236px 1fr;min-height:100vh}
nav{padding:22px 16px;border-right:1px solid var(--line);background:var(--sunk);position:sticky;top:0;height:100vh;overflow:auto}
.brand{font:600 19px var(--serif);margin:0 8px 6px}.brand small{display:block;font:500 12px var(--sans);color:var(--muted)}
.demo{margin:0 8px 22px;font-size:12px;color:var(--accent);background:var(--accent-soft);border-radius:8px;padding:6px 9px}
nav a{display:flex;justify-content:space-between;align-items:center;padding:9px 10px;border-radius:var(--rs);color:var(--ink-2);text-decoration:none;font-weight:500;cursor:pointer}
nav a:hover{background:var(--line)}nav a.on{background:var(--surface);color:var(--ink);box-shadow:var(--sh)}
.n{font-size:12px;background:var(--accent-soft);color:var(--accent);border-radius:99px;padding:0 8px}
.who{margin-top:26px;padding:12px 10px;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}
.who select{width:100%;margin-top:6px}
main{padding:30px 40px 70px;max-width:1260px;width:100%}
h1{font:600 30px/1.2 var(--serif);letter-spacing:-.015em;margin:0}
h2{font:600 20px var(--serif);margin:0 0 4px}
.sub{color:var(--muted);margin:6px 0 20px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:22px}
.eyebrow{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.big{font:600 40px/1.1 var(--sans);letter-spacing:-.02em;margin:6px 0 2px}
.row{display:grid;gap:20px;margin-bottom:20px}.c2{grid-template-columns:1.2fr 1fr}.c21{grid-template-columns:2fr 1fr}.c4{grid-template-columns:repeat(4,1fr)}
.flow{display:grid;gap:12px;margin-top:18px}
.step{display:grid;grid-template-columns:128px 1fr 110px;align-items:center;gap:14px}
.lbl{color:var(--ink-2);font-weight:500}.lbl small{display:block;font-size:12px;color:var(--muted);font-weight:400}
.bar{height:30px;background:var(--sunk);border-radius:8px;overflow:hidden}.bar i{display:block;height:100%;border-radius:8px;transition:width .5s}
.amt{text-align:right;font-weight:600}.gap{font-size:13px;color:var(--risk);margin:-4px 0 0 142px}
.chip{display:flex;gap:14px;align-items:flex-start;padding:14px;border-radius:var(--rs);background:var(--sunk);margin-top:12px;cursor:pointer}
.chip:hover{background:var(--line)}.chip .dot{width:10px;height:10px;border-radius:99px;margin-top:7px;flex:none}
.chip b{display:block}.chip span{color:var(--ink-2);font-size:14px}.chip .r{margin-left:auto;font-weight:600;white-space:nowrap}
table{width:100%;border-collapse:collapse}
th{font-size:12px;text-align:left;color:var(--muted);font-weight:600;letter-spacing:.04em;text-transform:uppercase;padding:0 10px 10px}
td{padding:11px 10px;border-top:1px solid var(--line);vertical-align:top}
tr.click{cursor:pointer}tr.click:hover td{background:var(--sunk)}
.num{text-align:right;white-space:nowrap}.mut{color:var(--muted);font-size:13px}
.tag{display:inline-block;font-size:12px;font-weight:600;padding:2px 10px;border-radius:99px;white-space:nowrap}
.t-ok{background:var(--ok-soft);color:var(--ok)}.t-warn{background:var(--warn-soft);color:var(--warn)}.t-risk{background:var(--risk-soft);color:var(--risk)}.t-info{background:var(--info-soft);color:var(--info)}.t-n{background:var(--sunk);color:var(--ink-2)}
.btn{display:inline-block;padding:8px 14px;border-radius:10px;font:600 14px var(--sans);border:1px solid var(--line);background:var(--surface);color:var(--ink);cursor:pointer}
.btn:hover{border-color:var(--line-2)}.btn.p{background:var(--accent);border-color:var(--accent);color:#fff}.btn.s{padding:4px 10px;font-size:13px}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 22px;align-items:center}
select,input{font:500 14px var(--sans);padding:8px 12px;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--ink)}
.seg{display:inline-flex;border:1px solid var(--line);border-radius:10px;overflow:hidden;background:var(--surface)}
.seg button{font:500 14px var(--sans);padding:8px 12px;border:0;background:none;cursor:pointer;color:var(--ink-2)}.seg button.on{background:var(--ink);color:#fff}
.todo{display:flex;gap:12px;align-items:center;padding:12px 0;border-top:1px solid var(--line)}.todo:first-of-type{border-top:0}
.todo .r{margin-left:auto}.done{opacity:.45;text-decoration:line-through}
.kpi .v{font:600 26px var(--sans)}.kpi .mut{display:block}
.back{display:inline-block;margin-bottom:14px;color:var(--muted);cursor:pointer;font-weight:500}
.help{font-size:13px;color:var(--muted);background:var(--sunk);border-radius:var(--rs);padding:10px 12px;margin:10px 0 16px}
.toast{position:fixed;bottom:22px;left:50%;transform:translateX(-50%);background:var(--ink);color:#fff;padding:10px 18px;border-radius:12px;opacity:0;transition:.3s;pointer-events:none}.toast.on{opacity:1}
.backdrop{display:none}
.drop{border:2px dashed var(--line-2);border-radius:var(--r);padding:34px 18px;text-align:center;background:var(--surface);cursor:pointer;transition:.2s}.drop:hover,.drop.over{border-color:var(--accent);background:var(--accent-soft)}
.prog{height:8px;background:var(--sunk);border-radius:99px;overflow:hidden;margin:14px 0}.prog i{display:block;height:100%;width:0;background:var(--accent);transition:width .35s}
.term{display:grid;grid-template-columns:1fr auto;gap:6px 14px;padding:14px 0;border-top:1px solid var(--line)}.term:first-child{border-top:0}
.term .val{font-weight:600}.term .src{font-size:12px;color:var(--muted)}.conf{font-size:12px;font-weight:600}
.term input{width:100%;margin-top:4px}
.steps{display:flex;gap:8px;margin:0 0 20px;flex-wrap:wrap}.steps span{font-size:13px;font-weight:600;padding:5px 12px;border-radius:99px;background:var(--sunk);color:var(--muted)}.steps span.on{background:var(--ink);color:#fff}.steps span.ok{background:var(--ok-soft);color:var(--ok)}
.calc{display:grid;gap:8px;margin-top:10px}.calc div{display:flex;justify-content:space-between;padding:8px 12px;background:var(--sunk);border-radius:8px}.calc .tot{background:var(--ok-soft);font-weight:600}
/* ---- v2 additions ---- */
html,body{overflow-x:clip}main,.row>*,.card{min-width:0}
.menu{display:none}.backdrop{display:none}.top{display:none}
.nsec{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:18px 10px 4px}
nav a{min-height:40px}nav a small{display:none}
.ph{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;flex-wrap:wrap;margin-bottom:6px}.ph .acts{display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.btn.dis{opacity:.5;cursor:not-allowed;background:var(--sunk)}.btn.danger{color:var(--risk);border-color:var(--risk-soft)}.btn.ok{background:var(--ok);border-color:var(--ok);color:#fff}
.tw{overflow-x:auto}.tabs{display:flex;gap:6px;flex-wrap:wrap;margin:0 0 18px}.tabs button{font:600 14px var(--sans);padding:8px 14px;border-radius:99px;border:1px solid var(--line);background:var(--surface);color:var(--ink-2);cursor:pointer}.tabs button.on{background:var(--ink);color:#fff;border-color:var(--ink)}
.mback{position:fixed;inset:0;background:rgba(30,26,23,.45);z-index:20}
.sheet{position:fixed;z-index:21;left:50%;top:50%;transform:translate(-50%,-50%);width:min(620px,94vw);max-height:90vh;overflow:auto;background:var(--surface);border-radius:var(--r);box-shadow:0 20px 60px rgba(0,0,0,.25);padding:22px}.sheet.wide{width:min(860px,96vw)}
.sh{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:8px}.sh h2{margin:0}.x{border:0;background:none;font-size:26px;line-height:1;cursor:pointer;color:var(--muted);min-width:44px;min-height:44px}
.f{margin:0 0 14px}.f>label{display:block;font-weight:600;font-size:14px;margin-bottom:4px}.f>label small{font-weight:400;color:var(--muted)}.f input:not([type=checkbox]),.f select,.f textarea{width:100%;min-height:42px}.f textarea{font:500 14px var(--sans);padding:8px 12px;border:1px solid var(--line);border-radius:10px;min-height:76px}
.f .fh{font-size:12.5px;color:var(--muted);margin-top:3px}.fe{color:var(--risk);font-size:13px;margin-top:3px;font-weight:600}.f.bad input,.f.bad select,.f.bad textarea{border-color:var(--risk)}
.f.chk label{display:flex;gap:10px;align-items:center;font-weight:500}.f.chk input{width:22px;height:22px}
.fa{display:flex;gap:10px;justify-content:flex-end;margin-top:16px;flex-wrap:wrap}.ferr{color:var(--risk);font-weight:600;margin-top:8px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
body.noscroll{overflow:hidden}
.kv{display:grid;grid-template-columns:150px 1fr;gap:8px 14px;font-size:14px}.kv dt{color:var(--muted)}.kv dd{margin:0;font-weight:500}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}.g3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:20px}.g2>*,.g3>*{min-width:0}
.tl{border-left:2px solid var(--line);margin-left:6px;padding-left:16px}.tl>div{position:relative;padding:0 0 14px}.tl>div::before{content:"";position:absolute;left:-23px;top:6px;width:10px;height:10px;border-radius:99px;background:var(--accent)}
.kan{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(210px,1fr);gap:12px;overflow-x:auto;padding-bottom:8px}.kan>div{background:var(--sunk);border-radius:var(--r);padding:10px;min-height:120px}.kan .kc{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:10px;margin-top:8px;cursor:pointer;font-size:14px}
.empty{padding:26px;text-align:center;color:var(--muted)}
.mask{letter-spacing:.12em;color:var(--muted)}
.bignum{font:600 24px var(--sans)}
.pill{display:inline-flex;gap:6px;align-items:center;font-size:13px;color:var(--ink-2)}
.warnbox{background:var(--warn-soft);border-radius:var(--rs);padding:10px 12px;margin:10px 0;font-size:14px;color:var(--warn)}.riskbox{background:var(--risk-soft);color:var(--risk);border-radius:var(--rs);padding:10px 12px;margin:10px 0;font-size:14px}.okbox{background:var(--ok-soft);color:var(--ok);border-radius:var(--rs);padding:10px 12px;margin:10px 0;font-size:14px}
.sticky-sum{display:flex;gap:18px;flex-wrap:wrap;margin:10px 0 16px}.sticky-sum>div{min-width:120px}
code,.mono{font-family:var(--mono);font-size:13px;word-break:break-all}
.sec{margin:26px 0 10px}.sec h2{margin:0}.sec p{margin:2px 0 0;color:var(--muted);font-size:14px}
.secrow{display:flex;justify-content:space-between;gap:12px;align-items:flex-end;flex-wrap:wrap}
@media(max-width:920px){
.backdrop.on{display:block;position:fixed;inset:0;background:rgba(30,26,23,.35);z-index:4}
.app{grid-template-columns:1fr}nav{position:fixed;inset:0 auto 0 0;width:min(300px,84vw);z-index:5;transform:translateX(-110%);transition:.25s;height:100%}nav.open{transform:none}
.top{display:flex;position:sticky;top:0;z-index:3;background:var(--paper);margin:-18px -16px 14px;padding:8px 16px;border-bottom:1px solid var(--line);align-items:center;gap:12px}.top b{font:600 17px var(--serif)}
.menu{display:inline-block}main{padding:18px 16px 60px}
.c2,.c21,.c4,.g2,.g3{grid-template-columns:1fr}.row{gap:14px}
h1{font-size:24px}.big{font-size:34px}.card{padding:16px}.gap{margin-left:0}
}
@media(max-width:700px){
.btn{min-height:44px;padding:10px 14px;display:inline-flex;align-items:center;justify-content:center}.btn.s{min-height:44px;padding:8px 12px}
select,input,.f textarea{min-height:44px;font-size:16px}
nav a{min-height:46px}.tabs button,.seg button{min-height:44px}.tabs{flex-wrap:nowrap;overflow-x:auto;margin:0 -16px 16px;padding:0 16px 2px}.tabs button{flex:none}
.filters{display:grid;grid-template-columns:1fr 1fr;gap:8px}.filters>*{min-width:0;width:100%}
.step{grid-template-columns:1fr auto;gap:6px 12px}.step .bar{grid-column:1/-1;order:3;height:16px;border-radius:99px}.step .bar i{border-radius:99px}
.chip{display:grid;grid-template-columns:auto 1fr auto;gap:4px 12px}.chip .r{align-self:start}
.todo{gap:10px}.todo .btn{min-width:72px}
table.rt,table.rt tbody{display:block}table.rt thead{display:none}
table.rt tr{display:block;border:1px solid var(--line);border-radius:12px;padding:8px 12px;margin-bottom:10px;background:var(--surface)}
table.rt td{display:flex;justify-content:space-between;gap:14px;border:0;padding:5px 0;text-align:right;align-items:center}
table.rt td::before{content:attr(data-label);color:var(--muted);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.04em;text-align:left;flex:none}
table.rt td.nolabel::before{display:none}table.rt td.nolabel{justify-content:flex-start;text-align:left}
.tw{overflow:visible;margin:0;padding:0}
.sheet,.sheet.wide{inset:0;left:0;top:0;transform:none;width:100%;max-height:100%;height:100%;border-radius:0;padding:16px 16px 90px}
.fgrid,.kv{grid-template-columns:1fr}.kv dt{margin-top:6px}
.fa{position:fixed;left:0;right:0;bottom:0;background:var(--surface);padding:10px 16px;border-top:1px solid var(--line);margin:0;z-index:22}.fa .btn{flex:1}
.toast{width:90vw;text-align:center}
.step .lbl small{display:inline;margin-left:6px}
}
@media(max-width:700px){.c4{grid-template-columns:1fr 1fr!important;gap:10px}.kpi{padding:12px!important}}

/* DESIGN.md "Ledger with letterhead" overrides */
.card{box-shadow:none}nav a.on{box-shadow:inset 2px 0 0 var(--accent)}
.btn{border-radius:var(--rs);border-color:var(--line-2)}select,input{border-radius:4px;border-color:var(--line-2)}
.tag{display:inline-flex;align-items:center;gap:5px}.tag::before{content:"";width:6px;height:6px;border-radius:99px;background:currentColor}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
/* ---- Desks + Lender 360 (DESIGN.md) ---- */
.lm{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:4px;font:600 11px var(--sans);letter-spacing:.02em;color:var(--h);background:color-mix(in srgb,var(--h) 14%,var(--surface));flex:none;text-decoration:none}
.lm.big{width:44px;height:44px;font-size:17px;border-radius:6px}
.who{display:inline-flex;align-items:center;gap:8px;text-decoration:none;color:inherit}
.meta{color:var(--muted);font-size:13px;margin:-8px 0 0}
.lev{display:flex;justify-content:space-between;align-items:end;gap:16px;padding:14px 0;margin-bottom:14px;border-bottom:1px solid var(--line);font-size:14px;color:var(--ink-2)}
.hero{text-align:right}.hero strong{display:block;font:600 28px/1 var(--sans);color:var(--ink)}.hero span{font-size:12px;color:var(--muted)}
.dcard{display:grid;grid-template-columns:minmax(0,1fr) 210px;gap:16px;border:1px solid var(--line);border-radius:10px;background:var(--surface);padding:14px 16px;margin-bottom:10px;cursor:default}
.dcard.sel{outline:2px solid var(--accent);outline-offset:-1px}
.dcard h4{display:flex;gap:10px;align-items:center;margin:0;font:600 15px var(--sans)}
.dcard .m{font-size:13px;color:var(--muted);margin:4px 0 8px 34px}.dcard .chips{display:flex;gap:6px;flex-wrap:wrap;margin-left:34px}
.dcard .tw,.dcard .split{margin-left:34px;width:calc(100% - 34px)}
.dcard .acts{display:flex;flex-direction:column;gap:6px}.dcard .acts .btn{display:flex;justify-content:space-between;align-items:center;padding:6px 10px;font-size:13px;text-align:left}
.dcard .tick{color:var(--accent);font-weight:700}
.tag.esc::before{border-radius:0;transform:rotate(45deg)}
kbd{font:500 11px var(--mono);border:1px solid var(--line-2);border-bottom-width:2px;border-radius:3px;padding:0 5px;color:var(--ink-2);background:var(--surface)}
.btn.p kbd{background:transparent;color:inherit;border-color:currentColor}
.dprompt{border:1px dashed var(--line-2);border-radius:10px;padding:14px 16px;margin:0 0 10px;background:var(--surface)}
.rule{font-size:15px;line-height:2;margin:8px 0}.rule u{text-decoration:none;border-bottom:2px solid var(--accent);padding:0 2px;font-weight:500}
.blank{font:500 14px var(--sans);border:0;border-bottom:2px solid var(--accent);border-radius:0;background:var(--accent-soft);padding:2px 4px;min-height:0;color:var(--ink)}
.rrow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-top:1px solid var(--line)}
.undo{position:relative;overflow:hidden;display:flex;align-items:center;justify-content:space-between;gap:12px;background:var(--ink);color:var(--paper);border-radius:6px;padding:8px 12px;margin:0 0 12px;font-size:14px}
.undo .btn{background:transparent;color:inherit;border-color:currentColor}.undo i{position:absolute;left:0;bottom:0;height:3px;background:var(--accent-soft);width:100%;animation:undo linear forwards}
@keyframes undo{from{width:100%}to{width:0}}
.desk-phone{display:none}
.l3doc{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:28px 32px;max-width:1120px}
.l3head{display:flex;gap:14px;align-items:center;flex-wrap:wrap}.l3head .acts{margin-left:auto;display:flex;gap:8px}
.l3name{font:600 30px/1.1 var(--serif);letter-spacing:-.015em;margin:0 0 4px}.l3head .meta{margin:0}
.l3sec{border-top:1px solid var(--line);margin-top:22px;padding-top:6px}.l3two{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.funnel{display:flex;flex-wrap:wrap;gap:6px 14px;align-items:baseline;font-size:14px}.funnel b{font-weight:600}
.l3tl div{display:grid;grid-template-columns:64px 1fr;gap:10px;padding:5px 0;font-size:14px}.l3tl time{color:var(--muted);font-size:13px}
.stuck{margin-bottom:20px}
@media(max-width:920px){.l3two{grid-template-columns:1fr}.l3doc{padding:18px 16px}.dcard{grid-template-columns:1fr}.lev{flex-direction:column;align-items:start}.hero{text-align:left}}
@media(max-width:600px){.desk-wide{display:none}.desk-phone{display:block}.desk-check,.desk-check+*{display:block}
 .desk-wide:has(.desk-check){display:block}.dcard .acts .btn{min-height:48px;justify-content:center}.dcard .m,.dcard .chips,.dcard .tw,.dcard .split{margin-left:0;width:100%}
 .dcard .split,.dcard .split tbody,.dcard .split tr,.dcard .split td{display:block}.dcard .split thead{display:none}}
.l3sec h2,.stuck h2{font:600 13px var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:12px 0 8px}
.kpi .v .mut{display:block;font:400 13px var(--sans);color:var(--muted);margin-top:4px}
@media(max-width:600px){.kbd-btn{display:none}.dcard .split td{display:flex;justify-content:space-between;gap:12px;border:0;padding:4px 0;text-align:right}.dcard .split td::before{content:attr(data-label);color:var(--muted);font-size:12px;text-align:left}.dcard .split tr{border-top:1px solid var(--line);padding:6px 0}}
.dcard.tailcard{grid-template-columns:1fr}.dcard.tailcard .acts:empty{display:none}.dcard td .mono{white-space:nowrap}

/* Bankse brand */
.brand::before{content:"";display:inline-block;width:18px;height:18px;border-radius:5px;background:#E3A33B;margin-right:8px;vertical-align:-2px}
.demo{background:#F6E3BE;color:#7A4A00}