:root{--navy:#082638;--navy2:#0d3449;--ivory:#f7f4ec;--paper:#fffef9;--green:#168269;--green2:#0e6854;--soft:#e5f2ed;--gold:#d2aa65;--ink:#102b3a;--muted:#62717a;--line:#dbe3df;--danger:#a83c42;--shadow:0 24px 70px rgba(5,34,50,.12);font-family:"Avenir Next","PingFang SC","Microsoft YaHei",Inter,system-ui,sans-serif;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}button,input,select,textarea{font:inherit}a{color:inherit}.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}.container-fluid{width:min(1440px,calc(100% - 40px));margin-inline:auto}.narrow{max-width:860px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:-100px;left:16px;z-index:999;background:#fff;padding:10px 16px}.skip-link:focus{top:12px}
.site-header{position:absolute;z-index:20;top:0;width:100%;border-bottom:1px solid rgba(255,255,255,.12);color:#fff}.header-inner,.workspace-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:32px}.brand{display:inline-flex;align-items:center;gap:12px;font-size:17px;font-weight:750;letter-spacing:.08em;text-decoration:none;line-height:1.05;white-space:nowrap}.brand small{display:block;margin-top:5px;color:var(--gold);font-size:10px;letter-spacing:.18em;text-transform:uppercase}.brand-mark{width:39px;height:39px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font-family:Georgia,serif;font-size:14px;letter-spacing:0}.site-nav{display:flex;align-items:center;gap:30px}.site-nav>a:not(.button){color:rgba(255,255,255,.82);font-size:14px;text-decoration:none}.site-nav>a:hover{color:#fff}.menu-toggle{display:none;border:0;background:transparent;padding:10px}.menu-toggle>span:not(.sr-only){display:block;width:25px;height:2px;background:#fff;margin:5px}
.button{min-height:49px;display:inline-flex;justify-content:center;align-items:center;gap:18px;border:1px solid var(--green);border-radius:7px;background:var(--green);color:#fff;padding:11px 22px;font-weight:720;text-decoration:none;cursor:pointer;box-shadow:0 10px 28px rgba(22,130,105,.2);transition:.2s}.button:hover{background:var(--green2);border-color:var(--green2);transform:translateY(-1px)}.button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid rgba(210,170,101,.45);outline-offset:2px}.button:disabled{opacity:.6;cursor:wait}.button-small{min-height:40px;padding:7px 15px;font-size:13px;gap:8px}.button-full{width:100%}.button-ghost{border-color:rgba(255,255,255,.38);background:transparent;box-shadow:none}.button-muted{border-color:var(--line);background:#fff;color:var(--ink);box-shadow:none}.button-gold{border-color:var(--gold);background:var(--gold);color:var(--navy)}.eyebrow{color:#79d0bb;font-size:12px;font-weight:750;letter-spacing:.22em;text-transform:uppercase}.eyebrow.dark{color:var(--green)}
.section{padding:108px 0}.section-heading{max-width:670px;margin-bottom:48px}.section-heading.centered{text-align:center;margin-inline:auto}.section-heading h2,.law-grid h2,.closing-cta h2{margin:12px 0 16px;font-family:Georgia,"Songti SC",serif;font-size:clamp(32px,4vw,48px);font-weight:500;line-height:1.22;letter-spacing:-.025em}.section-heading p{color:var(--muted);font-size:17px}
.hero{position:relative;min-height:790px;overflow:hidden;background:radial-gradient(circle at 72% 45%,#164b5d 0,var(--navy) 42%,#061d2b 78%);color:#fff;padding:168px 0 55px}.hero:after{content:"";position:absolute;inset:auto 0 0;height:115px;background:linear-gradient(176deg,transparent 0 49%,var(--ivory) 50%)}.hero-glow{position:absolute;width:650px;height:650px;left:-270px;top:-260px;border-radius:50%;border:1px solid rgba(210,170,101,.13);box-shadow:0 0 0 80px rgba(210,170,101,.025),0 0 0 160px rgba(210,170,101,.02)}.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:70px}.hero h1{margin:22px 0 24px;font-family:Georgia,"Songti SC",serif;font-size:clamp(48px,6.2vw,76px);font-weight:500;line-height:1.08;letter-spacing:-.04em}.hero h1 span{color:#f1dbb5}.hero-lead{max-width:680px;color:rgba(255,255,255,.75);font-size:19px;line-height:1.9}.button-row{display:flex;flex-wrap:wrap;gap:14px;margin:36px 0}.trust-line{display:flex;align-items:center;gap:10px;border-top:1px solid rgba(255,255,255,.14);padding-top:25px;color:rgba(255,255,255,.78);font-size:13px}.trust-icon{display:grid;place-items:center;min-width:25px;height:25px;border:1px solid var(--gold);border-radius:50%;color:var(--gold)}.trust-line strong{color:#fff}.trust-note{position:relative;z-index:3;margin-top:65px;color:rgba(255,255,255,.44);font-size:11px}.hero-visual{position:relative;min-height:440px}.visual-ring{position:absolute;border:1px solid rgba(210,170,101,.24);border-radius:50%}.ring-one{inset:30px 15px 15px 30px}.ring-two{inset:80px 65px 65px 80px;border-color:rgba(255,255,255,.13)}.shield-house{position:absolute;inset:50% auto auto 50%;width:190px;height:220px;transform:translate(-50%,-50%);border:2px solid var(--gold);border-radius:90px 90px 70px 70px;background:linear-gradient(150deg,rgba(255,255,255,.08),rgba(255,255,255,.01));box-shadow:0 35px 70px rgba(0,0,0,.22)}.roof{position:absolute;top:67px;left:46px;width:96px;height:96px;border-left:2px solid #fff;border-top:2px solid #fff;transform:rotate(45deg)}.house-body{position:absolute;top:90px;left:54px;width:82px;height:75px;border:2px solid #fff;background:var(--navy2)}.door{width:20px;height:35px;margin:38px auto 0;border:2px solid var(--gold);border-bottom:0}.shield-check{position:absolute;right:16px;bottom:20px;width:45px;height:45px;display:grid;place-items:center;border-radius:50%;background:var(--green);font-size:22px}.metric-card{position:absolute;min-width:145px;padding:14px 18px;border:1px solid rgba(255,255,255,.16);background:rgba(7,35,51,.75);backdrop-filter:blur(12px);box-shadow:0 15px 40px rgba(0,0,0,.2)}.metric-card small,.metric-card strong{display:block}.metric-card small{color:rgba(255,255,255,.55);font-size:10px}.metric-one{top:50px;right:-15px}.metric-two{left:-10px;bottom:30px}
.ivory-section{background:var(--ivory)}.feature-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.feature-card{position:relative;min-height:285px;padding:32px 28px;overflow:hidden;border:1px solid #e3ded2;background:rgba(255,255,255,.65);transition:.25s}.feature-card:hover{transform:translateY(-5px);background:#fff;box-shadow:0 22px 45px rgba(20,42,52,.08)}.feature-number{position:absolute;top:16px;right:20px;color:#ded7c9;font:35px Georgia,serif}.feature-icon{width:48px;height:48px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--green);font-family:Georgia,serif}.feature-card h3{margin:35px 0 10px;font:500 23px Georgia,"Songti SC",serif}.feature-card p{color:var(--muted);font-size:14px}
.process-section{background:var(--navy);color:#fff}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.15)}.process-grid article{display:grid;grid-template-columns:55px 1fr;gap:20px;padding:42px 34px;border-right:1px solid rgba(255,255,255,.15)}.process-grid article:last-child{border:0}.process-grid article>span{width:42px;height:42px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold)}.process-grid small{color:#75bca9;letter-spacing:.16em}.process-grid h3{margin:8px 0 10px;font:500 25px Georgia,"Songti SC",serif}.process-grid p{color:rgba(255,255,255,.62);font-size:14px}
.law-section{background:#fcfbf7}.law-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:100px;align-items:start}.law-intro{color:var(--muted)}.legal-points{list-style:none;margin:36px 0 0;padding:0;border-top:1px solid var(--line)}.legal-points li{display:grid;grid-template-columns:55px 1fr;gap:20px;padding:23px 0;border-bottom:1px solid var(--line)}.legal-points li>span{color:var(--gold);font-family:Georgia}.legal-points p{margin:0;color:#455c67}.source-card{padding:36px;border:1px solid #ded8c9;background:var(--ivory);box-shadow:18px 18px 0 #edf0eb}.source-seal{width:54px;height:54px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font:28px Georgia}.source-card h3{font:500 25px Georgia,"Songti SC",serif}.source-card p{color:var(--muted);font-size:14px}.source-card a{display:flex;justify-content:space-between;gap:15px;padding:14px 0;border-top:1px solid #ddd8cd;font-size:13px;text-decoration:none}.source-card a:hover{color:var(--green)}.disclaimer{margin-top:60px;border-left:3px solid var(--gold);background:#f3efe5;padding:18px 24px;color:var(--muted);font-size:13px}
.faq-section{background:var(--ivory)}.faq-list{border-top:1px solid #d8d3c8}.faq-list details{border-bottom:1px solid #d8d3c8}.faq-list summary{display:flex;justify-content:space-between;padding:24px 5px;cursor:pointer;font:20px Georgia,"Songti SC",serif;list-style:none}.faq-list summary span{color:var(--green);font-size:27px}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{margin:-8px 0 25px;color:var(--muted)}.closing-cta{padding:80px 0;background:linear-gradient(120deg,#0a3045,#0e4252);color:#fff}.closing-inner{display:flex;align-items:center;justify-content:space-between;gap:60px}.closing-cta p{color:rgba(255,255,255,.64)}
.site-footer{padding:65px 0 20px;background:#051b28;color:rgba(255,255,255,.62)}.footer-grid{display:grid;grid-template-columns:1.6fr .7fr 1fr;gap:60px}.brand-light{color:#fff}.footer-grid>div{display:flex;flex-direction:column;align-items:flex-start;gap:9px}.footer-grid a{text-decoration:none}.footer-grid strong{color:#fff;margin-bottom:10px}.orias{color:var(--gold)}.footer-bottom{margin-top:40px;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);font-size:11px}.page-hero{padding:150px 0 65px;background:linear-gradient(135deg,var(--navy),#16485c);color:#fff}.page-hero h1{margin:12px 0 0;font:500 clamp(40px,6vw,62px) Georgia,"Songti SC",serif}.page-hero p{color:rgba(255,255,255,.68)}.prose{font-size:17px}.prose h2{margin-top:42px;font:500 28px Georgia,"Songti SC",serif}.prose p{color:#455c67}.text-link{color:var(--green)}.flash-stack{position:relative;z-index:40;padding-top:18px}.flash{border-radius:8px;padding:14px 18px;margin-bottom:10px}.flash-success{background:#e2f3ea;color:#17634e}.flash-error{background:#fae9e9;color:var(--danger)}

.form-hero{padding-bottom:105px}.form-section{padding-top:0;background:#f4f5f1}.form-layout{display:grid;grid-template-columns:245px 1fr;gap:30px;align-items:start;margin-top:-55px;position:relative;z-index:3}.step-sidebar{position:sticky;top:20px;padding:25px;background:var(--navy);color:#fff;box-shadow:var(--shadow)}.step-progress{display:grid}.step-indicator{position:relative;display:flex;align-items:center;gap:14px;min-height:62px;border:0;border-left:1px solid rgba(255,255,255,.16);background:transparent;color:rgba(255,255,255,.52);padding:8px 0 8px 18px;text-align:left}.step-indicator span{position:absolute;left:-14px;width:27px;height:27px;display:grid;place-items:center;border:1px solid rgba(255,255,255,.3);border-radius:50%;background:var(--navy);font-size:11px}.step-indicator b{font-size:13px}.step-indicator.active,.step-indicator.done{color:#fff}.step-indicator.active span{border-color:var(--gold);background:var(--gold);color:var(--navy)}.step-indicator.done span{border-color:var(--green);background:var(--green)}.secure-note{display:flex;gap:12px;margin-top:28px;border-top:1px solid rgba(255,255,255,.15);padding-top:20px}.secure-note>span{width:33px;height:33px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font-size:11px}.secure-note strong,.secure-note small{display:block}.secure-note small{color:rgba(255,255,255,.48);font-size:10px}
.application-form-card{min-width:0;background:#fff;box-shadow:var(--shadow)}.application-form-card form{padding:48px 55px}.form-step{min-width:0;margin:0;padding:0;border:0}.form-step+.form-step{margin-top:65px;border-top:1px solid var(--line);padding-top:55px}.js .form-step{display:none}.js .form-step.active{display:block}.form-step legend{width:100%;font:500 31px Georgia,"Songti SC",serif}.form-step legend small{display:block;margin-bottom:5px;color:var(--green);font-size:10px;font-weight:700;letter-spacing:.18em}.step-intro{margin:4px 0 30px;color:var(--muted)}.form-grid{display:grid;gap:18px 24px}.two-columns{grid-template-columns:repeat(2,minmax(0,1fr))}.span-two{grid-column:1/-1}form label{display:block;margin:0 0 7px;color:#263f4c;font-size:13px;font-weight:680}form input[type=text],form input[type=email],form input[type=tel],form input[type=password],form input[type=date],form input[type=file],form select,form textarea{width:100%;min-height:48px;border:1px solid #cad4d0;border-radius:5px;background:#fff;padding:10px 12px;color:var(--ink)}form input:focus,form select:focus,form textarea:focus{border-color:var(--green);box-shadow:0 0 0 3px rgba(22,130,105,.09);outline:0}form ul{color:var(--danger);font-size:12px;margin:6px 0;padding-left:18px}form small{color:var(--muted);font-size:11px}.application-form-card form>ul{border:1px solid #edc8c8;background:#fae9e9;padding:13px 30px}.application-form-card fieldset>div{margin-bottom:20px}.application-form-card .form-grid>div{margin-bottom:0}.application-form-card input[type=radio],.application-form-card input[type=checkbox]{accent-color:var(--green);width:18px;height:18px;vertical-align:middle}.application-form-card fieldset>div>div>label,.risk-questions>div>div>label{display:inline-flex;align-items:center;gap:7px;margin-right:18px}
.risk-questions{margin-top:28px;border:1px solid var(--line)}.risk-questions>div{display:grid;grid-template-columns:1fr auto;align-items:center;gap:20px;margin:0!important;padding:18px 20px;border-bottom:1px solid var(--line)}.risk-questions>div:last-child{border:0}.risk-questions>div>label{margin:0}.risk-questions>div>div{display:flex;white-space:nowrap}.step-actions{display:flex;justify-content:flex-end;gap:10px;margin-top:38px!important;padding-top:25px;border-top:1px solid var(--line)}.second-borrower-fields[hidden]{display:none}.upload-note,.review-card,.consent-box{border:1px solid var(--line);background:#f7f9f7;padding:18px 20px}.upload-note p,.review-card p,.consent-box p{margin:4px 0 0;color:var(--muted);font-size:13px}.upload-grid input{min-height:75px!important;padding-top:22px!important}.review-card{display:flex;gap:15px}.review-card>span{width:35px;height:35px;display:grid;place-items:center;border-radius:50%;background:var(--soft);color:var(--green)}.consent-box{margin-top:22px}.consent-box a{color:var(--green)}
.success-section,.auth-section{min-height:85vh;display:grid;place-items:center;padding:140px 20px 90px;background:linear-gradient(145deg,#e8ece8,var(--ivory))}.success-card,.auth-card{width:min(680px,100%);padding:48px;background:#fff;text-align:center;box-shadow:var(--shadow)}.success-icon,.expired-icon{width:68px;height:68px;display:grid;place-items:center;margin:0 auto 20px;border:1px solid var(--gold);border-radius:50%;color:var(--green);font-size:30px}.expired-icon{color:var(--danger)}.success-card h1,.auth-card h1{margin:10px 0;font:500 38px Georgia,"Songti SC",serif}.success-card>p,.auth-card>p{color:var(--muted)}.reference-box{margin:28px 0;border:1px solid var(--gold);background:var(--ivory);padding:18px}.reference-box small,.reference-box strong{display:block}.reference-box strong{font-size:23px;letter-spacing:.08em}.next-steps{margin:30px 0;text-align:left}.next-steps ol{list-style:none;padding:0}.next-steps li{display:flex;gap:14px;margin:15px 0}.next-steps li>span{min-width:29px;height:29px;display:grid;place-items:center;border-radius:50%;background:var(--soft);color:var(--green)}.next-steps p{margin:0;color:var(--muted)}.next-steps strong{display:block;color:var(--ink)}.auth-card{max-width:510px;text-align:left}.auth-form{display:grid;gap:20px;margin-top:28px}.auth-help{margin-top:25px;border-top:1px solid var(--line);padding-top:20px}.auth-help p{color:var(--muted);font-size:13px}
.workspace-header{background:var(--navy);color:#fff}.workspace-header nav{display:flex;gap:26px}.workspace-header nav a{color:rgba(255,255,255,.7);font-size:13px;text-decoration:none}.workspace-user{display:flex;align-items:center;gap:15px;font-size:12px}.workspace-user a{color:var(--gold)}.workspace-shell,.client-shell{min-height:calc(100vh - 82px);padding:48px max(25px,calc((100vw - 1400px)/2)) 80px;background:#f0f3f1}.client-shell{padding-inline:0}.workspace-title,.detail-header{display:flex;justify-content:space-between;align-items:flex-end;gap:25px;margin-bottom:28px}.workspace-title h1,.detail-header h1{margin:6px 0 0;font:500 37px Georgia,"Songti SC",serif}.workspace-title p{margin:2px 0;color:var(--muted)}.stat-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:12px;margin-bottom:24px}.stat-card{padding:22px;border:1px solid var(--line);background:#fff}.stat-card.featured{background:var(--navy);color:#fff}.stat-card small,.stat-card span,.stat-card strong{display:block}.stat-card small{color:var(--muted);font-size:11px}.stat-card strong{margin:9px 0;font:34px Georgia}.stat-card span{color:#8a989f;font-size:10px}.admin-grid{display:grid;grid-template-columns:1fr 285px;gap:18px}.panel{border:1px solid var(--line);background:#fff;box-shadow:0 8px 25px rgba(14,44,58,.035)}.panel-heading{min-height:70px;display:flex;justify-content:space-between;align-items:center;gap:20px;border-bottom:1px solid var(--line);padding:15px 22px}.panel-heading h2,.panel h2{margin:0;font-size:17px}.panel-heading p{margin:2px 0;color:var(--muted);font-size:11px}.panel-heading a{color:var(--green);font-size:12px}.attention-panel{padding:25px}.attention-number{margin:15px 0;color:var(--green);font:70px/1 Georgia}.attention-panel p{color:var(--muted);font-size:13px}
.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse}th,td{padding:15px 18px;border-bottom:1px solid #e6ebe8;text-align:left;vertical-align:middle;font-size:13px}th{color:#73828a;background:#f7f9f8;font-size:10px;letter-spacing:.08em;text-transform:uppercase}td a{color:var(--green2);font-weight:700}td small{display:block;color:#829098;font-size:10px}.empty-state{padding:30px!important;color:var(--muted);text-align:center!important}.status-pill{display:inline-flex;width:fit-content;border-radius:999px;background:#edf1ef;color:#445b65;padding:5px 10px;font-size:10px;font-weight:700;white-space:nowrap}.status-quote_requested{background:#f6eddb;color:#81602c}.status-quote_sent{background:#e2eef5;color:#315e78}.status-quote_accepted{background:#e1f1eb;color:#14654f}.status-contract_signed{background:#ebe6f5;color:#594a80}.status-substitution_completed{background:#d9eee5;color:#0d634c}.filter-panel{margin-bottom:18px;padding:18px}.filter-form{display:grid;grid-template-columns:1.8fr repeat(4,1fr) auto;gap:12px;align-items:end}.filter-form input,.filter-form select{min-height:40px}.filter-actions{display:flex;align-items:center;gap:10px}.pagination{display:flex;gap:5px;padding:18px}.pagination a{width:34px;height:34px;display:grid;place-items:center;border:1px solid var(--line);text-decoration:none}.pagination a.active{background:var(--navy);color:#fff}
.detail-meta{display:flex;align-items:center;gap:15px;color:var(--muted);font-size:12px}.back-link{color:var(--green);font-size:12px}.header-actions{display:flex;gap:8px}.detail-grid{display:grid;grid-template-columns:minmax(0,1fr) 355px;gap:18px}.detail-main{display:grid;gap:18px}.detail-aside{display:grid;align-content:start;gap:18px}.detail-panel{padding-bottom:20px}.info-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 30px;margin:0;padding:22px}.info-grid dt{color:#829098;font-size:10px;text-transform:uppercase}.info-grid dd{margin:4px 0 0;font-size:13px;word-break:break-word}.document-list{display:grid;gap:8px;padding:18px 22px 0}.document-list a{display:flex;align-items:center;gap:12px;border:1px solid var(--line);padding:12px;text-decoration:none}.document-list a>div{flex:1}.document-list a strong,.document-list a small{display:block}.document-list a small{color:var(--muted);font-size:10px}.pdf-icon{width:38px;height:38px;display:grid;place-items:center;background:#f8e7e7;color:#a83c42;font-size:9px;font-weight:800}.quote-list{padding:18px 22px 0}.quote-list article{display:flex;justify-content:space-between;gap:20px;border-bottom:1px solid var(--line);padding:15px 0}.quote-list p{margin:5px 0;color:var(--muted);font-size:12px}.quote-actions{display:flex;align-items:center;gap:10px}.quote-actions>a{color:var(--green);font-size:11px}.error-text{color:var(--danger);font-size:10px}
.action-panel,.timeline-panel{padding:22px}.action-panel>p{color:var(--muted);font-size:12px}.action-panel form{display:grid;gap:13px}.timeline-panel ol{list-style:none;margin:20px 0 0;padding:0}.timeline-panel li{position:relative;display:grid;grid-template-columns:14px 1fr;gap:12px;padding-bottom:23px}.timeline-panel li:before{content:"";position:absolute;left:5px;top:12px;bottom:-2px;width:1px;background:var(--line)}.timeline-panel li:last-child:before{display:none}.timeline-panel li>span{width:11px;height:11px;margin-top:5px;border-radius:50%;background:var(--green)}.timeline-panel strong,.timeline-panel small,.timeline-panel em{display:block}.timeline-panel small,.timeline-panel em{color:var(--muted);font-size:9px;font-style:normal}.timeline-panel p{margin:4px 0;color:var(--muted);font-size:10px}.client-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.client-pret-card{display:block;border:1px solid var(--line);background:#fff;padding:25px;text-decoration:none;transition:.2s}.client-pret-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card-top{display:flex;justify-content:space-between}.client-pret-card>small{display:block;margin-top:28px;color:var(--muted)}.client-pret-card h2{margin:3px 0 20px;font-size:21px}.client-pret-card dl>div{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:10px}.client-pret-card dt{color:var(--muted);font-size:10px}.client-pret-card dd{margin:0;font-size:11px}
.progress-panel{margin-bottom:18px;padding:25px}.progress-track{display:grid;grid-template-columns:repeat(5,1fr);list-style:none;margin:25px 0 0;padding:0}.progress-track li{position:relative;text-align:center}.progress-track li:before{content:"";position:absolute;top:15px;left:-50%;width:100%;height:2px;background:var(--line)}.progress-track li:first-child:before{display:none}.progress-track li.reached:before{background:var(--green)}.progress-track li>span{position:relative;width:32px;height:32px;display:grid;place-items:center;margin:auto;border:1px solid var(--line);border-radius:50%;background:#fff}.progress-track li.reached>span{background:var(--green);color:#fff}.progress-track strong,.progress-track small{display:block}.progress-track strong{margin-top:9px;font-size:10px}.progress-track small{color:var(--green);font-size:8px}.client-detail-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:18px}.client-detail-grid>div{display:grid;align-content:start;gap:18px}.next-action-card{border:1px solid #b9dace;background:var(--soft);padding:22px}.next-action-card>div{display:flex;gap:15px}.next-action-card>div>span{width:36px;height:36px;display:grid;place-items:center;border-radius:50%;background:var(--green);color:#fff}.next-action-card h2,.next-action-card p{margin:2px 0}.next-action-card p{color:var(--muted)}.next-action-card.muted{border-color:var(--line);background:#fff}.borrower-summary{display:grid;padding:15px 22px;border-bottom:1px solid var(--line)}.borrower-summary span,.borrower-summary small{color:var(--muted);font-size:11px}
@media(max-width:1100px){.hero-grid{grid-template-columns:1fr .65fr;gap:30px}.feature-grid{grid-template-columns:repeat(2,1fr)}.law-grid{grid-template-columns:1fr;gap:55px}.stat-grid{grid-template-columns:repeat(3,1fr)}.filter-form{grid-template-columns:repeat(3,1fr)}.workspace-header nav{display:none}}@media(max-width:820px){.container{width:min(100% - 28px,1180px)}.menu-toggle{display:block}.site-nav{position:absolute;display:none;top:81px;left:0;right:0;align-items:stretch;flex-direction:column;gap:0;padding:15px 20px 25px;background:var(--navy)}.site-nav.open{display:flex}.site-nav>a{padding:12px}.hero{min-height:auto;padding-top:145px}.hero-grid{grid-template-columns:1fr}.hero-visual{min-height:330px}.section{padding:75px 0}.process-grid{grid-template-columns:1fr}.process-grid article{border-right:0;border-bottom:1px solid rgba(255,255,255,.15)}.closing-inner{align-items:flex-start;flex-direction:column}.form-layout{grid-template-columns:1fr}.step-sidebar{position:static;padding:16px 24px}.step-progress{grid-template-columns:repeat(5,1fr)}.step-indicator{min-height:44px;display:block;border-left:0;border-top:1px solid rgba(255,255,255,.16);padding:17px 2px 0;text-align:center}.step-indicator span{top:-14px;left:50%;transform:translateX(-50%)}.step-indicator b,.secure-note{display:none}.application-form-card form{padding:35px 28px}.admin-grid,.detail-grid,.client-detail-grid{grid-template-columns:1fr}.client-card-grid{grid-template-columns:repeat(2,1fr)}.stat-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.hero-visual{display:none}.button-row .button{width:100%}.feature-grid,.two-columns,.footer-grid,.client-card-grid{grid-template-columns:1fr}.span-two{grid-column:auto}.application-form-card form{padding:28px 18px}.risk-questions>div{grid-template-columns:1fr}.step-actions .button{flex:1}.success-card,.auth-card{padding:32px 23px}.workspace-shell{padding:30px 14px 60px}.filter-form,.info-grid{grid-template-columns:1fr}.quote-list article{flex-direction:column}.progress-track{overflow-x:auto;grid-template-columns:repeat(5,110px)}}@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}}

.locale-switcher{display:inline-flex;align-items:center;gap:2px;padding:3px;border:1px solid rgba(255,255,255,.22);border-radius:6px}
.locale-switcher a{min-width:28px;padding:3px 5px!important;border-radius:3px;color:rgba(255,255,255,.68)!important;font-size:10px!important;font-weight:700;text-align:center;text-decoration:none}
.locale-switcher a:hover,.locale-switcher a.active{background:rgba(255,255,255,.15);color:#fff!important}
.workspace-user .locale-switcher{margin-left:4px}.workspace-user .locale-switcher a{color:rgba(255,255,255,.68)!important}
@media(max-width:820px){.site-nav .locale-switcher{align-self:flex-start;margin:10px 12px}.workspace-user>span{display:none}}

.hero-apply-button{min-height:84px;min-width:min(440px,100%);justify-content:flex-start;gap:18px;border-color:#f0c878;border-radius:12px;background:linear-gradient(135deg,#f1d49c,#d6aa5f);color:var(--navy);padding:15px 24px;box-shadow:0 18px 45px rgba(0,0,0,.28),0 0 0 1px rgba(255,255,255,.18) inset}
.hero-apply-button:hover{border-color:#f6dca9;background:linear-gradient(135deg,#f6deb0,#ddb76f);color:var(--navy);transform:translateY(-3px);box-shadow:0 24px 55px rgba(0,0,0,.33)}
.hero-apply-icon{width:48px;height:48px;display:grid;place-items:center;flex:0 0 auto;border-radius:50%;background:var(--navy);color:#fff;font-size:23px;transition:transform .2s}
.hero-apply-button:hover .hero-apply-icon{transform:translateX(4px)}
.hero-apply-copy{display:grid;gap:2px;text-align:left;line-height:1.25}
.hero-apply-copy strong{font-size:18px;letter-spacing:.01em}
.hero-apply-copy small{font-size:11px;font-weight:600;color:rgba(8,38,56,.68)}

.credentials-section{position:relative;background:var(--ivory);padding:88px 0 94px;border-bottom:1px solid #e4ded1}
.credentials-shell{display:grid;grid-template-columns:minmax(270px,.72fr) minmax(0,1.28fr);gap:62px;align-items:center}
.credentials-intro h2{margin:13px 0 18px;font:500 clamp(32px,4vw,48px)/1.18 Georgia,"Songti SC",serif;letter-spacing:-.025em}
.credentials-intro>p{margin:0;color:var(--muted);font-size:16px;line-height:1.85}
.official-links{display:flex;flex-wrap:wrap;gap:9px;margin-top:26px}
.official-links a{display:inline-flex;align-items:center;gap:9px;border:1px solid #cfdad5;border-radius:7px;background:#fff;padding:10px 13px;color:var(--green2);font-size:11px;font-weight:720;text-decoration:none;transition:.2s}
.official-links a:hover{border-color:var(--green);background:var(--soft);transform:translateY(-1px)}
.credentials-cards{display:grid;grid-template-columns:.88fr 1.12fr;gap:16px}
.credential-card{min-width:0;min-height:300px;padding:29px;border:1px solid #ddd8ca;box-shadow:0 20px 55px rgba(8,38,56,.08)}
.credential-card-top,.company-card-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px}
.credential-seal{width:48px;height:48px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:50%;color:var(--gold);font-size:20px}
.verified-pill{border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:5px 9px;color:#a9dece;font-size:9px;font-weight:750;letter-spacing:.06em;text-transform:uppercase}
.orias-card{background:linear-gradient(145deg,#082638,#0e4552);color:#fff}
.orias-card>small{display:block;margin-top:40px;color:#8bc9b8;font-size:10px;line-height:1.5;letter-spacing:.08em;text-transform:uppercase}
.orias-card h3{margin:10px 0 12px;color:#f1d49c;font:500 clamp(24px,2.3vw,31px)/1.2 Georgia,serif;white-space:nowrap}
.orias-card p{margin:0;color:rgba(255,255,255,.67);font-size:13px}
.company-card{background:#fff}
.company-card-heading small{display:block;color:var(--green);font-size:9px;font-weight:750;letter-spacing:.1em;text-transform:uppercase}
.company-card-heading h3{margin:5px 0 0;font:500 27px Georgia,"Songti SC",serif}
.company-card-heading>span{display:grid;place-items:center;min-width:50px;height:32px;border:1px solid var(--gold);color:#8d682a;font:700 12px Georgia;letter-spacing:.1em}
.company-registry-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;margin:29px 0 0;border-top:1px solid var(--line)}
.company-registry-grid>div{min-width:0;padding:13px 15px 13px 0;border-bottom:1px solid var(--line)}
.company-registry-grid>div:nth-child(even){padding-left:15px;border-left:1px solid var(--line)}
.company-registry-grid .company-address{grid-column:1/-1;padding-left:0;border-left:0}
.company-registry-grid dt{color:#819098;font-size:9px;font-weight:700;letter-spacing:.07em;text-transform:uppercase}
.company-registry-grid dd{margin:3px 0 0;color:#203b49;font-size:12px;font-weight:690;overflow-wrap:anywhere}

@media(max-width:1000px){.credentials-shell{grid-template-columns:1fr;gap:38px}.credentials-intro{max-width:720px}.credentials-cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:650px){.hero-apply-button{min-width:100%;min-height:78px;padding:13px 17px}.hero-apply-icon{width:43px;height:43px}.hero-apply-copy strong{font-size:16px}.credentials-section{padding:68px 0}.credentials-cards{grid-template-columns:1fr}.credential-card{min-height:0;padding:24px}.orias-card h3{white-space:normal}.company-registry-grid{grid-template-columns:1fr}.company-registry-grid>div:nth-child(even){padding-left:0;border-left:0}.company-registry-grid .company-address{grid-column:auto}.official-links{display:grid}.official-links a{justify-content:space-between}}

/* FANGZI 2026 homepage and public navigation */
:root{--brand-orange:#ff6b00;--brand-orange-dark:#df5500;--brand-orange-soft:#fff1e6;--brand-charcoal:#292724;--brand-warm:#fffaf6}
.site-header{position:sticky;z-index:100;top:0;width:100%;border-top:2px solid #f2f2f2;border-bottom:1px solid #e8e8e8;background:rgba(255,255,255,.98);color:#424242;box-shadow:0 5px 20px rgba(35,30,25,.06);backdrop-filter:blur(12px)}
.site-header .header-inner{min-height:84px;gap:20px}
.main-brand{flex:0 0 auto}
.main-brand img{display:block;width:112px;height:auto}
.site-header .site-nav{margin-left:auto;gap:0}
.site-header .site-nav>a.main-nav-link{display:flex;min-height:62px;align-items:center;padding:0 10px;color:#4e4e4e;font-size:13px;font-weight:560;text-decoration:none;white-space:nowrap;transition:.18s}
.site-header .site-nav>a.main-nav-link:hover{background:#fff4eb;color:var(--brand-orange-dark)}
.site-header .site-nav>a.main-nav-link.active{background:var(--brand-orange);color:#fff;font-weight:720}
.finance-link span{margin-left:4px;font-size:9px}
.site-header .account-link{display:inline-flex;min-height:35px;align-items:center;margin-left:7px;border:1px solid #e3d7cc;border-radius:5px;padding:5px 9px;color:#5d5149!important;background:#fff;font-size:11px!important;font-weight:700;text-decoration:none;white-space:nowrap}
.site-header .account-link:hover{border-color:var(--brand-orange);color:var(--brand-orange-dark)!important}
.site-header .locale-switcher{margin-left:7px;border-color:#dfdfdf;background:#fafafa}
.site-header .locale-switcher a{color:#696969!important}
.site-header .locale-switcher a:hover,.site-header .locale-switcher a.active{background:var(--brand-orange);color:#fff!important}
.site-header .menu-toggle>span:not(.sr-only){background:#333}
.footer-brand{display:inline-flex;border-radius:5px;background:#fff;padding:6px 10px}
.footer-brand img{display:block;width:110px;height:auto}
.site-footer{background:#27241f}
.site-footer .orias{color:#ff9d57}
.page-hero{padding:88px 0 62px;background:linear-gradient(135deg,#3c3129,#6d3b1e)}
.button{border-color:var(--brand-orange);background:var(--brand-orange);box-shadow:0 10px 28px rgba(255,107,0,.2)}
.button:hover{border-color:var(--brand-orange-dark);background:var(--brand-orange-dark)}
.home-page{background:#fff;color:#2d2b29}
.home-hero{position:relative;min-height:650px;display:flex;align-items:center;overflow:hidden;background-image:linear-gradient(90deg,rgba(25,18,13,.9) 0%,rgba(35,24,16,.76) 38%,rgba(43,27,17,.25) 69%,rgba(28,18,12,.08) 100%),url("../images/fangzi-assurance-hero-2026.png");background-size:cover;background-position:center center;color:#fff}
.home-hero:after{content:"";position:absolute;inset:auto 0 0;height:5px;background:linear-gradient(90deg,var(--brand-orange),#ffae5e,transparent 75%)}
.home-hero-inner{position:relative;z-index:2;padding-top:88px;padding-bottom:96px}
.home-hero-copy{max-width:720px}
.hero-kicker{display:inline-flex;align-items:center;border:1px solid rgba(255,255,255,.28);border-radius:999px;background:rgba(255,255,255,.1);padding:7px 14px;color:#ffd0ad;font-size:12px;font-weight:780;letter-spacing:.08em;backdrop-filter:blur(8px)}
.home-hero h1{max-width:710px;margin:22px 0 22px;color:#fff;font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-size:clamp(43px,5.2vw,68px);font-weight:850;line-height:1.13;letter-spacing:-.035em;text-shadow:0 3px 24px rgba(0,0,0,.3)}
.home-hero-lead{max-width:620px;margin:0;color:rgba(255,255,255,.86);font-size:18px;line-height:1.75}
.home-hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:25px;margin-top:35px}
.home-primary-cta{min-width:min(410px,100%);min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:25px;border:2px solid rgba(255,255,255,.9);border-radius:9px;background:linear-gradient(135deg,#ff7a19,#f25c00);padding:14px 18px 14px 24px;color:#fff;text-decoration:none;box-shadow:0 18px 45px rgba(28,12,2,.35);transition:.2s}
.home-primary-cta:hover{transform:translateY(-3px);background:linear-gradient(135deg,#ff8b35,#ff6500);box-shadow:0 24px 55px rgba(28,12,2,.42)}
.home-primary-cta>span:first-child{display:grid;gap:3px}
.home-primary-cta strong{font-size:20px;line-height:1.25}
.home-primary-cta small{color:rgba(255,255,255,.8);font-size:11px;font-weight:580}
.cta-arrow{width:48px;height:48px;display:grid;place-items:center;flex:0 0 auto;border-radius:50%;background:#fff;color:var(--brand-orange);font-size:25px;transition:transform .2s}
.home-primary-cta:hover .cta-arrow{transform:translateX(4px)}
.home-login-link{color:#fff;font-size:13px;font-weight:720;text-underline-offset:5px}
.home-login-link span{color:#ffad75}
.savings-note{max-width:610px;margin:20px 0 0;color:rgba(255,255,255,.6);font-size:11px}
.home-trust-bar{position:relative;z-index:3;margin-top:-34px}
.home-trust-grid{display:grid;grid-template-columns:repeat(3,1fr);border-radius:12px;background:#fff;box-shadow:0 22px 60px rgba(67,39,18,.16)}
.home-trust-item{position:relative;min-height:105px;display:flex;align-items:center;gap:15px;border-right:1px solid #eee4dc;padding:22px 28px;color:#2f2b28;text-decoration:none}
.home-trust-item:last-child{border:0}
.trust-badge-icon{width:43px;height:43px;display:grid;place-items:center;flex:0 0 auto;border-radius:50%;background:var(--brand-orange-soft);color:var(--brand-orange);font-weight:850}
.home-trust-item strong,.home-trust-item small{display:block}
.home-trust-item strong{font-size:14px}
.home-trust-item small{margin-top:3px;color:#84766b;font-size:11px}
.trust-link-arrow{margin-left:auto;color:var(--brand-orange)}
.home-trust-item[href]:hover{background:#fff8f3}
.home-section{padding:94px 0}
.home-section-heading{max-width:720px;margin-bottom:46px}
.home-section-heading.centered{margin-inline:auto;text-align:center}
.home-section-heading h2,.regulatory-intro h2,.home-closing-cta h2{margin:10px 0 14px;font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-size:clamp(31px,3.6vw,47px);font-weight:820;line-height:1.2;letter-spacing:-.03em}
.home-section-heading p,.regulatory-intro>p{margin:0;color:#776e67;font-size:16px;line-height:1.8}
.orange-eyebrow{color:var(--brand-orange);font-size:11px;font-weight:820;letter-spacing:.18em;text-transform:uppercase}
.service-section{background:linear-gradient(180deg,#fff 0,#fff9f4 100%)}
.home-service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.home-service-card{position:relative;min-height:270px;overflow:hidden;border:1px solid #eaded4;border-top:4px solid var(--brand-orange);border-radius:10px;background:#fff;padding:29px 25px;box-shadow:0 12px 38px rgba(78,44,20,.06);transition:.2s}
.home-service-card:hover{transform:translateY(-5px);box-shadow:0 20px 45px rgba(78,44,20,.12)}
.service-step{position:absolute;top:15px;right:18px;color:#eaded4;font-size:33px;font-weight:850}
.service-icon{width:48px;height:48px;display:grid;place-items:center;border-radius:13px;background:var(--brand-orange-soft);color:var(--brand-orange);font-size:19px;font-weight:850}
.home-service-card h3{margin:28px 0 9px;font-size:21px;line-height:1.3}
.home-service-card p{margin:0;color:#7b7169;font-size:13px;line-height:1.75}
.home-process-section{position:relative;overflow:hidden;background:linear-gradient(118deg,#29241f,#463326);color:#fff}
.home-process-section:before{content:"";position:absolute;width:520px;height:520px;right:-220px;top:-310px;border:90px solid rgba(255,107,0,.12);border-radius:50%}
.home-section-heading.light{position:relative;z-index:1}
.home-section-heading.light h2{color:#fff}
.home-process-grid{position:relative;z-index:1;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(255,255,255,.18)}
.home-process-grid article{position:relative;min-height:230px;border-right:1px solid rgba(255,255,255,.16);padding:36px 34px 28px}
.home-process-grid article:last-child{border:0}
.home-process-grid article>span{width:42px;height:42px;display:grid;place-items:center;margin-bottom:23px;border-radius:50%;background:var(--brand-orange);color:#fff;font-weight:820}
.home-process-grid small{color:#ffac70;font-size:10px;font-weight:750;letter-spacing:.16em}
.home-process-grid h3{margin:6px 0 9px;color:#fff;font-size:22px}
.home-process-grid p{margin:0;color:rgba(255,255,255,.66);font-size:13px}
.home-regulatory{background:#fff}
.regulatory-panel{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center;border:1px solid #eee1d6;border-radius:16px;background:#fff9f4;padding:54px}
.license-chip{width:fit-content;display:flex;align-items:center;gap:10px;margin-top:24px;border-radius:999px;background:#2f2a26;padding:9px 15px;color:#fff;font-size:13px}
.license-chip>span{color:#ff9950}
.official-links{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}
.official-links a{display:inline-flex;align-items:center;gap:8px;border:1px solid #efc8aa;border-radius:6px;background:#fff;padding:9px 12px;color:#c64e00;font-size:11px;font-weight:700;text-decoration:none}
.official-links a:hover{border-color:var(--brand-orange);background:#fff3e8}
.company-facts{border-radius:12px;background:#fff;padding:30px;box-shadow:0 15px 45px rgba(82,45,17,.1)}
.company-facts-title{display:flex;align-items:flex-start;justify-content:space-between;gap:20px}
.company-facts-title small{color:var(--brand-orange);font-size:9px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.company-facts-title h3{margin:4px 0 0;font-size:25px}
.company-facts-title>span{border:1px solid #f0b383;border-radius:4px;padding:5px 10px;color:#b74a00;font-size:11px;font-weight:800}
.company-facts dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));margin:24px 0 0;border-top:1px solid #eee6df}
.company-facts dl>div{padding:12px 12px 12px 0;border-bottom:1px solid #eee6df}
.company-facts dl>div:nth-child(even){border-left:1px solid #eee6df;padding-left:14px}
.company-facts dl>.wide{grid-column:1/-1;border-left:0;padding-left:0}
.company-facts dt{color:#97877b;font-size:9px;font-weight:750;text-transform:uppercase}
.company-facts dd{margin:3px 0 0;color:#3e3732;font-size:12px;font-weight:700;overflow-wrap:anywhere}
.home-law-section{background:#f7f6f4}
.home-law-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.home-law-grid article{display:grid;grid-template-columns:45px 1fr;gap:15px;border:1px solid #e7e1dc;border-radius:9px;background:#fff;padding:23px}
.home-law-grid article>span{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:var(--brand-orange-soft);color:var(--brand-orange);font-size:11px;font-weight:800}
.home-law-grid p{margin:0;color:#665e57;font-size:13px;line-height:1.75}
.official-source-disclosure{margin-top:18px;border:1px solid #e4ddd7;border-radius:9px;background:#fff}
.official-source-disclosure summary{display:flex;justify-content:space-between;align-items:center;padding:17px 22px;cursor:pointer;color:#3c3631;font-weight:750;list-style:none}
.official-source-disclosure summary span{color:var(--brand-orange);font-size:21px}
.official-source-disclosure[open] summary span{transform:rotate(45deg)}
.official-source-disclosure>p{margin:0;padding:0 22px 14px;color:#7c726a;font-size:12px}
.official-source-disclosure>div{display:flex;flex-wrap:wrap;gap:9px;padding:0 22px 20px}
.official-source-disclosure a{border-radius:5px;background:#fff1e5;padding:7px 10px;color:#bc4a00;font-size:10px;text-decoration:none}
.home-legal-note{margin:17px 0 0;border-left:3px solid var(--brand-orange);padding:5px 0 5px 15px;color:#8a817a;font-size:11px}
.home-faq-section{background:#fff}
.home-faq-list{border-top:1px solid #e7dfd8}
.home-faq-list details{border-bottom:1px solid #e7dfd8}
.home-faq-list summary{display:flex;justify-content:space-between;gap:25px;padding:22px 5px;cursor:pointer;color:#37312d;font-size:18px;font-weight:720;list-style:none}
.home-faq-list summary span{color:var(--brand-orange);font-size:25px}
.home-faq-list details[open] summary span{transform:rotate(45deg)}
.home-faq-list details p{margin:-6px 0 23px;color:#776e67;font-size:14px}
.home-closing-cta{position:relative;overflow:hidden;background:linear-gradient(125deg,#ff6b00,#e65300);padding:72px 0;color:#fff}
.home-closing-cta:after{content:"";position:absolute;width:350px;height:350px;right:7%;top:-230px;border:65px solid rgba(255,255,255,.12);border-radius:50%}
.home-closing-inner{position:relative;z-index:1;display:flex;align-items:center;justify-content:space-between;gap:55px}
.home-closing-cta h2{max-width:720px;margin-top:6px;color:#fff}
.home-closing-cta p{margin:0;color:rgba(255,255,255,.78)}
.closing-label{font-size:11px;font-weight:800;letter-spacing:.18em;text-transform:uppercase}
.home-closing-button{min-width:240px;display:inline-flex;align-items:center;justify-content:space-between;gap:25px;border:2px solid #fff;border-radius:7px;background:#fff;padding:15px 18px;color:#c94b00;font-weight:800;text-decoration:none;box-shadow:0 14px 35px rgba(96,31,0,.24)}
.home-closing-button:hover{transform:translateY(-2px)}
html[lang="fr"] .site-header .site-nav>a.main-nav-link,html[lang="en"] .site-header .site-nav>a.main-nav-link{padding-inline:7px;font-size:11px}
@media(max-width:1120px){.site-header .menu-toggle{display:block}.site-header .site-nav{position:absolute;display:none;top:83px;left:0;right:0;max-height:calc(100vh - 83px);overflow-y:auto;align-items:stretch;flex-direction:column;gap:0;margin:0;border-top:1px solid #e7e7e7;background:#fff;padding:12px 20px 22px;box-shadow:0 18px 35px rgba(0,0,0,.12)}.site-header .site-nav.open{display:flex}.site-header .site-nav>a.main-nav-link{min-height:46px;padding:9px 13px;color:#3e3e3e;font-size:13px}.site-header .site-nav>a.main-nav-link.active{border-radius:5px}.site-header .locale-switcher{align-self:flex-start;margin:12px}.site-header .account-link{align-self:flex-start;margin:5px 12px}.home-service-grid{grid-template-columns:repeat(2,1fr)}.regulatory-panel{grid-template-columns:1fr;gap:35px}}
@media(max-width:760px){.container{width:min(100% - 28px,1180px)}.site-header .header-inner{min-height:74px}.main-brand img{width:96px}.site-header .site-nav{top:73px;max-height:calc(100vh - 73px)}.home-hero{min-height:610px;background-position:66% center;background-image:linear-gradient(90deg,rgba(24,17,12,.9),rgba(35,24,16,.72)),url("../images/fangzi-assurance-hero-2026.png")}.home-hero-inner{padding-top:68px;padding-bottom:88px}.home-hero h1{font-size:clamp(39px,11vw,55px)}.home-hero-lead{font-size:16px}.home-hero-actions{align-items:flex-start;flex-direction:column;gap:18px}.home-primary-cta{min-height:80px}.home-trust-bar{margin-top:-20px}.home-trust-grid{grid-template-columns:1fr}.home-trust-item{min-height:88px;border-right:0;border-bottom:1px solid #eee4dc;padding:18px 21px}.home-section{padding:72px 0}.home-service-grid,.home-process-grid,.home-law-grid{grid-template-columns:1fr}.home-process-grid article{min-height:0;border-right:0;border-bottom:1px solid rgba(255,255,255,.16);padding:28px 5px}.regulatory-panel{padding:28px 20px}.company-facts{padding:23px 18px}.home-closing-inner{align-items:flex-start;flex-direction:column}.home-closing-button{width:100%}}
@media(max-width:500px){.home-primary-cta{min-width:100%;padding-left:17px}.home-primary-cta strong{font-size:17px}.home-service-grid{grid-template-columns:1fr}.company-facts dl{grid-template-columns:1fr}.company-facts dl>div:nth-child(even){border-left:0;padding-left:0}.company-facts dl>.wide{grid-column:auto}.official-source-disclosure>div{display:grid}.home-law-grid article{grid-template-columns:37px 1fr;padding:18px 15px}}

/* FANGZI client portal and optional status documents */
.auth-section{position:relative;overflow:hidden;background:radial-gradient(circle at 18% 16%,rgba(255,133,48,.22),transparent 30%),linear-gradient(145deg,#fff8f2,#f5eee8)}
.auth-section:before,.auth-section:after{content:"";position:absolute;border-radius:50%;pointer-events:none}
.auth-section:before{width:360px;height:360px;right:-180px;top:90px;border:70px solid rgba(255,107,0,.08)}
.auth-section:after{width:220px;height:220px;left:-120px;bottom:40px;background:rgba(255,107,0,.06)}
.auth-section .auth-card{position:relative;z-index:1;border:1px solid #eaded4;border-top:5px solid var(--brand-orange);border-radius:14px;background:#fff;box-shadow:0 25px 70px rgba(86,45,15,.14)}
.auth-logo{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:28px;border-bottom:1px solid #eee3db;padding-bottom:20px;color:inherit;text-decoration:none}
.auth-logo img{display:block;width:112px;height:auto}
.auth-logo span{border-radius:999px;background:var(--brand-orange-soft);padding:6px 11px;color:var(--brand-orange-dark);font-size:10px;font-weight:800;letter-spacing:.06em}
.auth-section .eyebrow.dark{color:var(--brand-orange)}
.auth-section .auth-card h1{font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-weight:820}
.auth-section .auth-card input:focus{border-color:var(--brand-orange);box-shadow:0 0 0 3px rgba(255,107,0,.1)}
.auth-section .auth-help{border-top-color:#eee3db}
.client-header{border-top:3px solid var(--brand-orange);border-bottom:1px solid #eaded4;background:#fff;color:#39332f;box-shadow:0 5px 22px rgba(63,38,20,.08)}
.client-header .workspace-inner{min-height:78px}
.client-brand{display:inline-flex;align-items:center;gap:14px;color:inherit;text-decoration:none}
.client-brand img{display:block;width:102px;height:auto}
.client-brand>span{border-left:1px solid #e8d9cd;padding-left:14px;color:var(--brand-orange-dark);font-size:12px;font-weight:800;letter-spacing:.05em}
.client-header nav{display:flex;gap:8px}
.client-header nav a{border-radius:5px;padding:8px 11px;color:#665c55;font-size:12px;font-weight:700}
.client-header nav a:hover{background:var(--brand-orange-soft);color:var(--brand-orange-dark)}
.client-header .workspace-user{color:#776b63}
.client-header .workspace-user>a{color:var(--brand-orange-dark);font-weight:750}
.client-header .locale-switcher{border-color:#e2d7cf;background:#faf7f5}
.client-header .locale-switcher a{color:#6c625b!important}
.client-header .locale-switcher a:hover,.client-header .locale-switcher a.active{background:var(--brand-orange);color:#fff!important}
.client-shell{background:#fff8f3}
.client-page .eyebrow.dark,.client-page .back-link{color:var(--brand-orange-dark)}
.client-page .client-pret-card{border-color:#eaded5;border-top:4px solid var(--brand-orange);border-radius:9px}
.client-page .client-pret-card:hover{border-color:#f3b88f;box-shadow:0 18px 45px rgba(84,45,18,.12)}
.client-page .progress-track li.reached:before{background:var(--brand-orange)}
.client-page .progress-track li.reached>span{border-color:var(--brand-orange);background:var(--brand-orange)}
.client-page .progress-track small{color:var(--brand-orange-dark)}
.client-page .next-action-card{border-color:#f1bc94;background:#fff0e4}
.client-page .next-action-card>div>span{background:var(--brand-orange)}
.client-page .document-list a:hover{background:#fff7f0}
.client-page .pdf-icon{background:#fff0e4;color:var(--brand-orange-dark)}
.status-document-uploader{display:grid;gap:12px;margin:4px 0 8px;border:1px solid #efc7aa;border-radius:8px;background:#fff8f2;padding:15px}
.status-document-heading{display:flex;align-items:center;justify-content:space-between;gap:12px}
.status-document-heading h3{margin:0;color:#3b332e;font-size:14px}
.status-document-heading>span{border-radius:999px;background:#ffe5d2;padding:4px 8px;color:#bd4a00;font-size:9px;font-weight:800}
.status-document-uploader>p{margin:0;color:#806f63;font-size:11px;line-height:1.55}
.status-document-rows{display:grid;gap:10px}
.status-document-row{position:relative;display:grid;gap:9px;border:1px solid #eaded5;border-radius:7px;background:#fff;padding:12px}
.status-document-row label{margin:0}
.status-document-row label>span{display:block;margin-bottom:5px;color:#61554d;font-size:10px;font-weight:750}
.status-document-row input[type=file],.status-document-row input[type=text]{min-height:42px}
.status-document-row input[type=file]{padding:7px 8px}
.document-row-add{width:100%;border:1px dashed #e7975e;border-radius:6px;background:#fff;color:#c84e00;padding:8px 11px;font-size:11px;font-weight:750;cursor:pointer}
.document-row-add:hover{border-style:solid;background:#fff0e4}
.document-row-remove{position:absolute;right:7px;top:7px;width:26px;height:26px;border:0;border-radius:50%;background:#f8e5df;color:#9c3f30;font-size:17px;line-height:1;cursor:pointer}
.document-row-remove:hover{background:#edcdc4}
@media(max-width:820px){.client-header .workspace-inner{min-height:72px}.client-brand img{width:92px}.client-header nav{display:none}.client-header .workspace-user>span{display:none}}
@media(max-width:560px){.auth-section .auth-card{padding:28px 20px}.auth-logo img{width:100px}.client-brand>span{display:none}.client-header .workspace-user{gap:8px}}

/* FANGZI orange administration workspace */
.admin-page .workspace-shell{background:linear-gradient(180deg,#fff9f4 0,#f8f4f0 100%);color:#37312d}
.admin-page .workspace-title h1,.admin-page .detail-header h1{color:#312c28;font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-weight:820;letter-spacing:-.025em}
.admin-page .workspace-title p,.admin-page .detail-meta{color:#82766d}
.admin-page .eyebrow.dark,.admin-page .back-link{color:var(--brand-orange-dark);font-weight:780}
.admin-page .panel{overflow:hidden;border-color:#eaded5;border-radius:9px;background:#fff;box-shadow:0 10px 32px rgba(77,43,18,.055)}
.admin-page .panel-heading{border-bottom-color:#eee3db;background:linear-gradient(180deg,#fff,#fffaf6)}
.admin-page .panel-heading h2,.admin-page .panel>h2{color:#3b342f}
.admin-page .panel-heading a,.admin-page td a,.admin-page .quote-actions>a{color:var(--brand-orange-dark)}
.admin-page .stat-grid{gap:14px}
.admin-page .stat-card{position:relative;overflow:hidden;border-color:#eaded5;border-radius:9px;background:#fff;padding:23px;box-shadow:0 8px 26px rgba(77,43,18,.045)}
.admin-page .stat-card:before{content:"";position:absolute;inset:0 auto auto 0;width:100%;height:4px;background:#ffc69d}
.admin-page .stat-card:nth-child(3):before{background:#ffae75}
.admin-page .stat-card:nth-child(4):before{background:#ff9250}
.admin-page .stat-card:nth-child(5):before{background:#f47628}
.admin-page .stat-card:nth-child(6):before{background:#d85100}
.admin-page .stat-card.featured{border-color:transparent;background:linear-gradient(135deg,#ff7b21,#e75400);color:#fff;box-shadow:0 16px 38px rgba(222,81,0,.23)}
.admin-page .stat-card.featured:before{display:none}
.admin-page .stat-card.featured small,.admin-page .stat-card.featured span{color:rgba(255,255,255,.72)}
.admin-page .stat-card strong{color:#3f3732;font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-weight:800}
.admin-page .stat-card.featured strong{color:#fff}
.admin-page .attention-panel{border-top:4px solid var(--brand-orange);background:linear-gradient(155deg,#fff,#fff4ea)}
.admin-page .attention-number{color:var(--brand-orange);font-family:"Avenir Next","PingFang SC","Microsoft YaHei",sans-serif;font-weight:850}
.admin-page .attention-panel p{color:#7c6e64}
.admin-page table th{border-bottom-color:#eadfd7;background:#fff4eb;color:#8a6d59}
.admin-page table td{border-bottom-color:#eee6e0}
.admin-page table tbody tr{transition:.16s}
.admin-page table tbody tr:hover{background:#fff9f4}
.admin-page table td small{color:#93867d}
.admin-page .filter-panel{border-top:4px solid var(--brand-orange);background:#fff}
.admin-page form input:focus,.admin-page form select:focus,.admin-page form textarea:focus{border-color:var(--brand-orange);box-shadow:0 0 0 3px rgba(255,107,0,.1)}
.admin-page .filter-actions>a{color:var(--brand-orange-dark);font-size:11px;font-weight:720}
.admin-page .pagination a{border-color:#e4d7cd;border-radius:5px;background:#fff}
.admin-page .pagination a:hover{border-color:var(--brand-orange);color:var(--brand-orange-dark)}
.admin-page .pagination a.active{border-color:var(--brand-orange);background:var(--brand-orange);color:#fff}
.admin-page .status-pill {
    border: 1px solid transparent;
    font-weight: 760;
}

/* 1. Début — rouge */
.admin-page .status-quote_requested {
    border-color: #e7a1a1;
    background: #fdeaea;
    color: #9f2929;
}

/* 2. Devis envoyé — orange */
.admin-page .status-quote_sent {
    border-color: #f4b27c;
    background: #fff0e3;
    color: #a94d00;
}

/* 3. Devis accepté — jaune / or */
.admin-page .status-quote_accepted {
    border-color: #e5c663;
    background: #fff8d9;
    color: #846300;
}

/* 4. Contrat signé — bleu */
.admin-page .status-contract_signed {
    border-color: #91b9df;
    background: #e8f3fc;
    color: #245f91;
}

/* 5. Terminé — vert */
.admin-page .status-substitution_completed {
    border-color: #7cc5a6;
    background: #e2f5ec;
    color: #176b4b;
}
.admin-page .detail-header{border-bottom:1px solid #eaded5;padding-bottom:20px}
.admin-page .header-actions .button-muted{border-color:#e4d5ca;background:#fff;color:#6d5e54}
.admin-page .header-actions .button-muted:hover{border-color:var(--brand-orange);background:var(--brand-orange-soft);color:var(--brand-orange-dark)}
.admin-page .info-grid dt{color:#9a7d68}
.admin-page .info-grid dd{color:#443b35}
.admin-page .document-list a{border-color:#eaded5;border-radius:7px}
.admin-page .document-list a:hover{border-color:#f1b68c;background:#fff8f2}
.admin-page .pdf-icon{border-radius:6px;background:#fff0e4;color:var(--brand-orange-dark)}
.admin-page .quote-list article{border-bottom-color:#eee3db}
.admin-page .action-panel{border-top:4px solid var(--brand-orange)}
.admin-page .action-panel form+form{margin-top:12px;border-top:1px solid #eee3db;padding-top:18px}
.admin-page .action-panel>p,.admin-page .quote-list p{color:#83766d}
.admin-page .timeline-panel li:before{background:#edd8ca}
.admin-page .timeline-panel li>span{background:var(--brand-orange);box-shadow:0 0 0 4px #fff0e5}
.admin-page .timeline-panel small,.admin-page .timeline-panel em,.admin-page .timeline-panel p{color:#887a70}
.admin-page .flash-success{border:1px solid #f2c39f;background:#fff1e4;color:#9d430b}
.admin-page .empty-state{color:#9a8d84}
@media(max-width:760px){.admin-page .workspace-shell{padding-top:30px}.admin-page .workspace-title,.admin-page .detail-header{align-items:flex-start;flex-direction:column}.admin-page .workspace-title>.button{width:100%}}

.client-header nav a.active{background:var(--brand-orange);color:#fff;box-shadow:0 7px 18px rgba(224,81,0,.18)}
.client-header nav a.active:hover{background:var(--brand-orange-dark);color:#fff}
.admin-page .button,.admin-page .admin-primary-button{border-color:var(--brand-orange);background:var(--brand-orange);box-shadow:0 10px 25px rgba(224,81,0,.18)}
.admin-page .button:hover,.admin-page .admin-primary-button:hover{border-color:var(--brand-orange-dark);background:var(--brand-orange-dark)}
.admin-page .button-muted{border-color:#e4d7ce;background:#fff;color:#655a52;box-shadow:none}
.admin-page .button-muted:hover{border-color:var(--brand-orange);background:var(--brand-orange-soft);color:var(--brand-orange-dark)}
.user-security-note{display:flex;align-items:flex-start;gap:16px;margin-bottom:18px;border-top:4px solid var(--brand-orange)!important;padding:20px 23px}
.user-security-note>span{width:36px;height:36px;display:grid;place-items:center;flex:0 0 auto;border-radius:50%;background:var(--brand-orange-soft);color:var(--brand-orange);font-size:12px}
.user-security-note strong{display:block;color:#403832;font-size:14px}
.user-security-note p{margin:3px 0 0;color:#83766d;font-size:12px}
.user-list-panel{border-top:4px solid var(--brand-orange)!important}
.users-table td{white-space:nowrap}
.users-table td:first-child{min-width:220px}
.users-table td:nth-child(2){min-width:150px}
.user-role-pill,.account-state,.protected-account{display:inline-flex;width:fit-content;align-items:center;border:1px solid #ead6c8;border-radius:999px;background:#fff6ef;padding:5px 9px;color:#a9480a;font-size:9px;font-weight:800;white-space:nowrap}
.user-role-pill.role-role_super_admin{border-color:#e7773b;background:#ffeadc;color:#9a3400}
.user-role-pill.role-role_admin{border-color:#efaa7f;background:#fff0e5;color:#ad4507}
.user-role-pill.role-role_client{border-color:#f2c59e;background:#fff6ed;color:#9a5b25}
.user-role-pill.role-role_user{border-color:#ddd7d2;background:#f8f6f4;color:#6e655f}
.account-state{border:0;padding:4px 8px}
.account-state.active{background:#e8f3ea;color:#327048}
.account-state.pending{background:#f3efeb;color:#7d7169}
.user-actions{display:flex;align-items:center;gap:8px}
.user-actions form{margin:0}
.user-delete-button{border-color:#d97d69!important;background:#fff!important;color:#a43f2f!important;box-shadow:none!important}
.user-delete-button:hover{border-color:#a43f2f!important;background:#fff0ec!important}
.protected-account{border-color:#ead9cd;background:#faf6f3;color:#8a786c}
.protected-account.business{border-color:#edd8a8;background:#fff9e9;color:#88621f}
.user-form-panel{max-width:980px;margin:0 auto;border-top:4px solid var(--brand-orange)!important;padding:0 36px 34px}
.admin-user-form>ul{margin:25px 0 0;border:1px solid #edc8c8;border-radius:6px;background:#fae9e9;padding:13px 30px}
.user-form-section{padding:34px 0;border-bottom:1px solid #eee3db}
.user-form-heading{display:grid;grid-template-columns:42px 1fr;gap:14px;margin-bottom:22px}
.user-form-heading>span{width:34px;height:34px;display:grid;place-items:center;border-radius:50%;background:var(--brand-orange-soft);color:var(--brand-orange-dark);font-size:10px;font-weight:850}
.user-form-heading h2{margin:0;color:#39322d;font-size:17px}
.user-form-heading p{margin:3px 0 0;color:#887a70;font-size:11px}
.user-form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 24px}
.user-form-grid>div{margin:0}
.user-form-grid input,.user-form-grid select{min-height:48px}
.role-explanation{align-self:end;border:1px solid #f0d1ba;border-radius:7px;background:#fff7f1;padding:12px 15px;color:#806e61;font-size:11px;line-height:1.65}
.user-form-actions{display:flex;justify-content:flex-end;gap:10px;padding-top:28px}
@media(max-width:780px){.user-form-panel{padding-inline:20px}.user-form-grid{grid-template-columns:1fr}.user-actions{align-items:flex-start;flex-direction:column}.users-table td{white-space:normal}}
.quote-decision-actions{display:flex;align-items:center;gap:8px}
.quote-decision-actions form,.quote-actions form{margin:0}
.button-danger-outline,.admin-page .button-danger-outline{border-color:#c65b45;background:#fff;color:#a43f2f;box-shadow:none}
.button-danger-outline:hover,.admin-page .button-danger-outline:hover{border-color:#a43f2f;background:#fff0ec;color:#8d3024}
.quote-manager{display:block;margin-top:4px;color:#8f8178;font-size:10px}
@media(max-width:700px){.quote-list article{align-items:flex-start;flex-direction:column}.quote-actions{width:100%;align-items:flex-start;flex-direction:column}.quote-decision-actions{width:100%;flex-wrap:wrap}}
.fdc-more{border-top:1px solid var(--line);margin:0 22px}.fdc-more summary{cursor:pointer;padding:13px 0;color:var(--orange,#ef7412);font-size:12px;font-weight:700}.fdc-more-body{padding:0 0 18px}.fdc-more-heading{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:8px}.fdc-more-heading.credit-heading{margin-top:18px}.info-grid.compact{padding:12px 0}.panel-heading-actions,.credit-actions{display:flex;align-items:center;gap:7px}.panel-heading-actions form,.credit-actions form{margin:0}.credit-list{display:grid;gap:7px}.credit-list article{display:flex;align-items:center;justify-content:space-between;gap:15px;border:1px solid var(--line);padding:11px 13px}.credit-list article strong,.credit-list article span,.credit-list article small{display:block}.credit-list article span,.credit-list article small{color:var(--muted);font-size:10px}.credit-actions button,.credit-actions a,.danger-link{border:0;background:none;color:var(--green);cursor:pointer;font:inherit;font-size:11px;text-decoration:none}.danger-link{color:#a43f2f}.fdc-form-panel{max-width:980px;padding:30px}.fdc-form-panel form>div{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 24px}.fdc-form-panel form>div>div{margin:0}.fdc-form-panel input,.fdc-form-panel select,.fdc-form-panel textarea{width:100%}.fdc-form-panel textarea{min-height:110px}.fdc-form-actions{display:flex!important;grid-column:1/-1;justify-content:flex-end;gap:10px}.collection-entry{position:relative;border:1px solid var(--line);padding:14px;margin-bottom:8px}.collection-entry>div{display:grid;grid-template-columns:1fr 1fr;gap:12px}.collection-entry>.danger-link{position:absolute;top:4px;right:6px}.no-borrower-two .empty-state{padding:20px 22px}.document-row-add{margin:8px 0}.fdc-warning{border-left:3px solid #ef7412;background:#fff7f0;padding:10px 12px}
@media(max-width:700px){.fdc-form-panel form>div{grid-template-columns:1fr}.credit-list article{align-items:flex-start;flex-direction:column}.collection-entry>div{grid-template-columns:1fr}}