:root {
  --ink: #172033;
  --muted: #5c6b7a;
  --line: #d7e0d8;
  --paper: #f4f1e8;
  --card: #fffcf7;
  --blue: #1236b0;
  --blue-deep: #0c1d5c;
  --green: #1c8a46;
  --green-soft: #e5f6ea;
  --amber: #9a6408;
  --amber-soft: #fff4dc;
  --red: #9d2c2c;
  --red-soft: #fdeCEC;
  --shadow: 0 10px 30px rgba(18, 36, 71, 0.06);
  --sans: "Segoe UI", Calibri, sans-serif;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.5;
}
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

.topbar, .site-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 18px 28px;
  background: white;
  border-bottom: 1px solid var(--line);
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: inherit;
  text-decoration: none;
}
.brand img { height: 48px; width: auto; }
.brand small { display: block; color: var(--muted); letter-spacing: 0.04em; }
.nav-links { display: flex; gap: 16px; align-items: center; }

.wrap { width: min(1100px, calc(100% - 32px)); margin: 0 auto; }
.hero { padding: 36px 0 10px; }
.hero h1 { font-size: 40px; line-height: 1.1; margin: 0 0 8px; color: var(--blue-deep); }
.lede { font-size: 18px; max-width: 68ch; color: #314056; }

.actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 20px 0 8px; }
.button, button, .button-secondary {
  border: 0;
  border-radius: 999px;
  padding: 10px 16px;
  font: inherit;
  font-weight: 650;
  cursor: pointer;
  background: var(--blue);
  color: white;
  text-decoration: none;
  display: inline-block;
}
.button.green, button.green { background: var(--green); }
.button-secondary, button.secondary {
  background: white;
  color: var(--blue-deep);
  border: 1px solid var(--line);
}
button.danger { background: var(--red); }
button:disabled { opacity: 0.5; cursor: not-allowed; filter: none; }
.button:hover, button:hover { text-decoration: none; filter: brightness(1.05); }

.grid { display: grid; grid-template-columns: 1.3fr 0.7fr; gap: 18px; }
.steps, .card, .rate {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow);
}
.steps { padding: 8px 22px 18px; }
.steps article { display: grid; grid-template-columns: 42px 1fr; gap: 12px; padding: 14px 0; border-top: 1px solid var(--line); }
.steps article:first-of-type { border-top: 0; }
.num {
  width: 36px; height: 36px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--blue-deep); color: white; font-weight: 700;
}
.steps h3, .card h2, .card h3 { margin: 0 0 4px; }
.steps p, .card p { margin: 0; color: var(--muted); }
.card { padding: 18px 20px; }
.rate table, .data { width: 100%; border-collapse: collapse; }
.rate th, .rate td, .data th, .data td { text-align: left; padding: 8px 6px; border-bottom: 1px solid var(--line); vertical-align: top; }
.rate { padding: 18px 20px 8px; }
.footnote { color: var(--muted); font-size: 14px; padding: 18px 0 40px; }

.shell { display: grid; grid-template-columns: 240px 1fr; min-height: 100vh; }
.side {
  background: var(--blue-deep);
  color: white;
  padding: 18px 14px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.side .brand { color: white; padding: 6px; }
.side .brand small { color: #c9d4f5; }
.side a {
  color: #e7edff;
  padding: 9px 12px;
  border-radius: 10px;
  text-decoration: none;
}
.side a:hover, .side a.active { background: rgba(255,255,255,0.12); text-decoration: none; }
.side form { margin-top: auto; }
.main { padding: 22px 26px 48px; }
.main h1 { margin: 0 0 14px; font-size: 30px; color: var(--blue-deep); }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; margin-bottom: 16px; }
.stat { background: white; border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; }
.stat b { display: block; font-size: 28px; color: var(--blue-deep); }
.stat span { color: var(--muted); }
.flash {
  background: var(--green-soft);
  border: 1px solid #b7e0c4;
  color: #135c2e;
  padding: 10px 14px;
  border-radius: 12px;
  margin-bottom: 14px;
}
.chip {
  display: inline-block;
  padding: 2px 8px;
  border-radius: 999px;
  background: #e8eefc;
  color: var(--blue-deep);
  font-size: 13px;
  text-transform: capitalize;
}
.chip-active, .chip-approved, .chip-paid, .chip-submitted { background: var(--green-soft); color: #135c2e; }
.chip-due, .chip-documents, .chip-pending_verification { background: var(--amber-soft); color: var(--amber); }
.chip-declined, .chip-lapsed, .chip-cancelled { background: var(--red-soft); color: var(--red); }
.chip-referred, .chip-in_grace, .chip-pending_inception, .chip-pending_commencement, .chip-cancel_pending, .chip-queued { background: #e7f1ff; color: #184a8a; }
.chip-failed { background: var(--red-soft); color: var(--red); }
.chip-kyc-verified { background: var(--green-soft); color: #135c2e; }
.chip-kyc-submitted, .chip-kyc-requested { background: var(--amber-soft); color: var(--amber); }
.chip-kyc-rejected { background: var(--red-soft); color: var(--red); }
.chip-kyc-awaiting_payment { background: #e7f1ff; color: #184a8a; }
.chip-sent, .chip-acknowledged { background: var(--green-soft); color: #135c2e; }
.split { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 16px; }
.stack { display: grid; gap: 16px; }
dl { display: grid; grid-template-columns: 180px 1fr; gap: 6px 12px; margin: 0; }
dt { color: var(--muted); }
dd { margin: 0; }
.milestone { display: flex; gap: 10px; align-items: center; padding: 6px 0; }
.dot { width: 12px; height: 12px; border-radius: 50%; background: #c5cdd6; }
.dot.done { background: var(--green); }
.dot.current { background: var(--blue); box-shadow: 0 0 0 4px #d9e2ff; }
label { display: block; font-weight: 650; margin-top: 10px; }
input, select, textarea {
  width: 100%;
  font: inherit;
  padding: 8px 10px;
  border-radius: 10px;
  border: 1px solid #c9d3cc;
  background: white;
}
.inline { display: flex; gap: 8px; align-items: end; flex-wrap: wrap; }
.inline input, .inline select { width: auto; }
.check { font-weight: 500; display: flex; gap: 8px; align-items: flex-start; margin: 8px 0; }
.check input { width: auto; margin-top: 4px; }
.row-actions { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 12px; }
.search { display: flex; gap: 8px; margin-bottom: 12px; }
.search input { max-width: 320px; }

.phone-page { min-height: 100vh; display: grid; grid-template-columns: 380px 1fr; }
.phone {
  margin: 24px auto;
  width: 340px;
  height: calc(100vh - 48px);
  max-height: 760px;
  background: #efeae2;
  border-radius: 28px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  border: 8px solid #111827;
  box-shadow: var(--shadow);
}
.phone header {
  background: var(--blue-deep);
  color: white;
  padding: 14px 14px 12px;
}
.phone header strong { display: block; }
.phone header span { color: #c9d4f5; font-size: 13px; }
.thread { flex: 1; overflow: auto; padding: 12px; display: flex; flex-direction: column; gap: 8px; }
.bubble { max-width: 86%; padding: 8px 10px; border-radius: 12px; white-space: pre-wrap; font-size: 14px; }
.bubble.in { align-self: flex-end; background: #d9fdd3; }
.bubble.out { align-self: flex-start; background: white; }
.composer { display: flex; gap: 6px; padding: 8px; background: #f0f2f5; }
.composer input { flex: 1; }
.chips { display: flex; gap: 6px; flex-wrap: wrap; padding: 0 8px 8px; background: #f0f2f5; }
.chips button { padding: 4px 10px; font-size: 13px; background: white; color: var(--blue-deep); border: 1px solid var(--line); }
.guide { padding: 32px 32px 32px 0; }
.guide h1 { color: var(--blue-deep); margin-top: 0; }
.login-page { min-height: 100vh; display: grid; place-items: center; padding: 24px; background: radial-gradient(circle at 80% 10%, #dff5e7 0, transparent 40%), linear-gradient(160deg, #eef2fb, #f4f1e8); }
.login-card { width: min(420px, 100%); padding: 32px; border-radius: 22px; }
.login-card h1 { margin: 14px 0 4px; color: var(--blue-deep); }
.login-logo img { height: 64px; }
.login-submit { width: 100%; margin-top: 18px; padding: 12px; }
.login-note { margin-top: 16px !important; padding: 10px 12px; background: #f4f7ff; border-radius: 10px; font-size: 14px; }
.login-back { margin-top: 14px !important; text-align: center; }
.stepper { display: flex; gap: 0; margin-bottom: 8px; }
.step { flex: 1; position: relative; display: flex; flex-direction: column; align-items: center; text-align: center; gap: 6px; font-size: 14px; color: var(--muted); }
.step + .step::before { content: ""; position: absolute; top: 14px; right: 50%; width: 100%; height: 3px; background: #dbe2ea; z-index: 0; }
.step.done + .step::before, .step.done + .step.current::before { background: var(--green); }
.step .dot { position: relative; z-index: 1; width: 30px; height: 30px; display: grid; place-items: center; font-size: 13px; font-weight: 700; color: #6b7a8a; background: #e6ebf0; }
.step .dot.done { background: var(--green); color: white; }
.step .dot.current { background: var(--blue); color: white; box-shadow: 0 0 0 5px #d9e2ff; }
.step.done, .step.current { color: var(--ink); font-weight: 600; }
.next-step { margin: 10px 0 0 !important; padding: 10px 14px; background: #f4f7ff; border-left: 4px solid var(--blue); border-radius: 8px; color: var(--ink) !important; }
.flash-error { background: var(--red-soft); border-color: #f0c2c2; color: var(--red); }
a.stat { display: block; color: inherit; text-decoration: none; transition: border-color 0.15s, transform 0.15s; }
a.stat:hover { border-color: var(--blue); transform: translateY(-2px); text-decoration: none; }
.stat i { display: block; margin-top: 4px; font-style: normal; font-size: 13px; color: var(--blue); font-weight: 600; }
.stat.attention { border-left: 4px solid #e0a325; }
.side { position: sticky; top: 0; height: 100vh; overflow-y: auto; }
.side-label { margin: 14px 12px 0; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: #8ea0d6; }
.side a[target] { font-size: 14px; color: #c9d4f5; padding: 6px 12px; }

@media (max-width: 900px) {
  .grid, .split, .shell, .phone-page, .stats { grid-template-columns: 1fr; }
  .side { flex-direction: row; flex-wrap: wrap; position: static; height: auto; }
  .side-label { display: none; }
  .side form { margin-top: 0; }
  .guide { padding: 12px 16px 32px; }
  .phone { height: 70vh; }
  .hero-grid, .path, .split-landing { grid-template-columns: 1fr; }
}

.hero-band { background: var(--blue-deep); color: white; padding: 48px 0 56px; }
.hero-band h1 { font-size: 46px; line-height: 1.05; margin: 8px 0 12px; max-width: 16ch; }
.hero-band .lede, .hero-note { color: #d5def8; }
.eyebrow { letter-spacing: 0.08em; text-transform: uppercase; font-size: 13px; margin: 0; color: #8fd19a; }
.hero-grid { display: grid; grid-template-columns: 1.4fr 0.8fr; gap: 28px; align-items: center; }
.hero-card { background: white; color: var(--ink); border-radius: 18px; padding: 22px; }
.hero-card ol { margin: 8px 0 16px; padding-left: 18px; }
.hero-card li { margin: 8px 0; }
.path { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; padding: 36px 0; }
.path article { background: white; border: 1px solid var(--line); border-radius: 16px; padding: 18px; }
.path span { color: var(--green); font-weight: 700; }
.split-landing { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 16px; padding-bottom: 10px; }
.waiting { padding-bottom: 10px; }
.waiting h2 { margin-bottom: 0; }

.paper { width: min(860px, calc(100% - 24px)); margin: 18px auto 40px; background: white; color: #172033; padding: 28px; border: 1px solid #d7e0d8; }
.paper-tools { display: flex; justify-content: space-between; margin-bottom: 16px; }
.paper-head { display: grid; grid-template-columns: 120px 1fr auto; gap: 16px; align-items: center; border-bottom: 3px solid #1236b0; padding-bottom: 12px; }
.paper-head img { width: 120px; }
.paper-head h1 { margin: 0; font-size: 26px; color: #0c1d5c; }
.paper-kicker { margin: 0; color: #1c8a46; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; font-size: 12px; }
.paper-ref { text-align: right; }
.paper-ref span, .fields span, .sign span { display: block; color: #5c6b7a; font-size: 12px; }
.paper h2 { font-size: 16px; margin: 18px 0 8px; color: #0c1d5c; }
.fields { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; }
.fields .wide { grid-column: 1 / -1; }
.fields b { display: block; border-bottom: 1px solid #d7e0d8; min-height: 1.4em; }
.paper table { width: 100%; border-collapse: collapse; }
.paper th, .paper td { border: 1px solid #d7e0d8; padding: 6px 8px; text-align: left; }
.ticks { list-style: none; padding: 0; }
.ticks li { margin: 6px 0; }
.sign { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; margin-top: 18px; }
.sign i { display: block; border-bottom: 1px solid #172033; height: 36px; }
.paper footer { margin-top: 18px; font-size: 12px; color: #5c6b7a; }
.assessment { white-space: pre-wrap; }
.attachment { margin: 6px 0; font-size: 14px; }
.phone-page { grid-template-columns: 420px 1fr; background: linear-gradient(160deg, #eef2fb, #f4f1e8); }
.phone { border-color: #0c1d5c; }
.wa-head { display: flex; align-items: center; gap: 10px; background: #075e54 !important; }
.wa-head img { width: 38px; height: 38px; border-radius: 50%; background: white; object-fit: contain; }
.thread { background: #ece5dd; }
.bubble { box-shadow: 0 1px 1px rgba(0, 0, 0, 0.08); }
.bubble.in { background: #dcf8c6; border-radius: 12px 12px 2px 12px; }
.bubble.out { border-radius: 12px 12px 12px 2px; }
.chips { padding-top: 8px; }
.chips button:hover { background: #e7f1ff; }
.guide { max-width: 760px; padding: 40px 40px 40px 8px; }
.guide h1 { font-size: 34px; margin-bottom: 6px; }
.guide-links { font-size: 14px; }
.scenarios { display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 12px; margin: 20px 0; }
.scenario { display: grid; grid-template-columns: 38px 1fr; grid-template-rows: auto auto; column-gap: 10px; align-items: center; text-align: left; background: white; color: var(--ink); border: 1px solid var(--line); border-radius: 16px; padding: 14px; font-weight: 400; transition: border-color 0.15s, transform 0.15s, box-shadow 0.15s; }
.scenario:hover { border-color: #25d366; transform: translateY(-2px); box-shadow: 0 10px 24px rgba(12, 29, 92, 0.08); filter: none; }
.sc-icon { grid-row: span 2; font-size: 24px; display: grid; place-items: center; width: 38px; height: 38px; border-radius: 12px; background: #eef7f0; }
.scenario b { color: var(--blue-deep); }
.scenario small { color: var(--muted); font-size: 13px; }
.guide-tips p { margin: 6px 0 !important; }
@media (max-width: 900px) {
  .phone-page { grid-template-columns: 1fr; }
  .guide { padding: 8px 16px 32px; order: -1; }
  .phone { width: min(360px, calc(100% - 24px)); }
}
.composer .attach { display: grid; place-items: center; width: 38px; cursor: pointer; font-size: 20px; }

.lp-chat-btn { display: block; margin: 8px -10px -8px; padding: 7px; border-top: 1px solid #eef0f2; text-align: center; color: #027eb5; font-weight: 600; }

/* WhatsApp interactive messages and Flows on the desk */
.phone { position: relative; }
.msg { display: flex; flex-direction: column; gap: 4px; max-width: 86%; }
.msg.in { align-self: flex-end; align-items: flex-end; }
.msg.out { align-self: flex-start; }
.msg .bubble { max-width: 100%; }
.bubble.form-sent { background: #c8f0d8; font-style: italic; }
.media-icon { display: block; margin-bottom: 4px; padding: 10px; border-radius: 8px; background: rgba(255, 255, 255, 0.6); font-weight: 600; font-size: 13px; text-align: center; }
.proof-link { font-size: 13px; }
.wa-banner { display: block; width: 100%; max-height: 110px; object-fit: contain; background: white; border-radius: 8px; margin-bottom: 6px; }
.wa-card { display: block; width: 100%; border-radius: 10px; margin-bottom: 6px; }
.wa-flow-image { display: block; width: 100%; max-width: 340px; margin: 4px auto 10px; border-radius: 12px; }
.wa-link { display: block; margin: 8px 0; color: #027eb5; font-weight: 600; }
.wa-navlist { display: flex; flex-direction: column; margin: 6px 0; border-top: 1px solid #e9edef; }
.wa-navlist button { position: relative; padding: 11px 28px 11px 2px; border: 0; border-bottom: 1px solid #e9edef; background: none; text-align: left; font: inherit; cursor: pointer; }
.wa-navlist button b, .wa-navlist button small { display: block; }
.wa-navlist button small { color: #667781; }
.wa-navlist button i { position: absolute; right: 6px; top: 50%; transform: translateY(-50%); color: #8696a0; font-style: normal; font-size: 20px; }
.wa-title { display: block; margin-bottom: 4px; color: #075e54; }
.wa-buttons { display: flex; flex-direction: column; gap: 4px; }
.wa-buttons button, .wa-action { width: 100%; background: white; color: #027eb5; border: 0; border-radius: 10px; padding: 9px 10px; font-weight: 600; font-size: 14px; box-shadow: 0 1px 1px rgba(0, 0, 0, 0.08); }
.wa-buttons button:hover, .wa-action:hover { background: #f5fbff; filter: none; }
.wa-sheet { position: absolute; inset: 0; background: rgba(0, 0, 0, 0.35); display: flex; align-items: flex-end; z-index: 5; }
.wa-sheet[hidden], .wa-flow[hidden] { display: none; }
.wa-sheet-card { width: 100%; max-height: 75%; overflow: auto; background: white; border-radius: 18px 18px 0 0; padding: 10px 14px 16px; }
.wa-sheet-card header { display: flex; align-items: center; gap: 10px; padding: 6px 0 10px; border-bottom: 1px solid var(--line); }
.wa-sheet-card h4 { margin: 12px 0 4px; color: #667781; font-size: 13px; font-weight: 600; }
.wa-row { display: block; width: 100%; text-align: left; background: none; color: var(--ink); border: 0; border-bottom: 1px solid #f0f2f5; border-radius: 0; padding: 10px 2px; font-weight: 400; }
.wa-row b { display: block; font-size: 15px; }
.wa-row small { color: #667781; }
.wa-row:hover { background: #f5f6f6; filter: none; }
.wa-close { background: none; color: #54656f; border: 0; padding: 2px 6px; font-size: 16px; }
.wa-flow { position: absolute; inset: 0; background: white; display: flex; flex-direction: column; z-index: 6; }
.wa-flow header { display: flex; align-items: center; gap: 8px; padding: 14px 12px; border-bottom: 1px solid var(--line); background: white !important; color: var(--ink) !important; }
.wa-flow header b { flex: 1; }
.wa-flow header span { color: #667781 !important; font-size: 12px; }
.wa-flow-body { flex: 1; overflow: auto; padding: 14px 16px; }
.wa-flow-body h3 { margin: 4px 0 8px; color: var(--blue-deep); }
.wa-flow-body h4 { margin: 16px 0 6px; }
.wa-flow-body p { margin: 0 0 10px; white-space: pre-wrap; font-size: 14px; }
.wa-caption { display: block; color: #667781; margin-bottom: 10px; }
.wa-field { display: block; margin-bottom: 12px; font-size: 13px; color: #3b4a54; }
.wa-field > span { display: block; margin-bottom: 4px; font-weight: 600; }
.wa-field i { font-weight: 400; color: #8696a0; font-style: normal; }
.wa-field input, .wa-field select, .wa-field textarea { width: 100%; box-sizing: border-box; }
.wa-field textarea { min-height: 70px; }
.wa-field > small { display: block; margin-top: 3px; color: #8696a0; }
.wa-radios { display: grid; gap: 6px; }
.wa-radio { display: flex; gap: 10px; align-items: flex-start; padding: 9px 10px; border: 1px solid var(--line); border-radius: 10px; cursor: pointer; font-weight: 400; }
.wa-radio:has(input:checked) { border-color: #25d366; background: #f0fbf4; }
.wa-radio input { width: auto; margin-top: 3px; }
.wa-radio small { display: block; color: #667781; }
.wa-optin { display: flex; gap: 10px; align-items: flex-start; margin: 10px 0; font-size: 13px; }
.wa-optin input { width: auto; margin-top: 2px; }
.wa-flow footer { padding: 10px 14px 12px; border-top: 1px solid var(--line); text-align: center; }
.wa-flow footer button { width: 100%; padding: 12px; border-radius: 22px; background: #008069; border: 0; }
.wa-flow footer small { display: block; margin-top: 6px; color: #8696a0; font-size: 11px; }

.paper section { break-inside: avoid; }
.paper .sec { display: inline-grid; place-items: center; width: 22px; height: 22px; margin-right: 6px; border-radius: 50%; background: #1236b0; color: white; font-size: 12px; }
.fields.three { grid-template-columns: repeat(3, 1fr); }
.fields.one { grid-template-columns: 1fr; }
.paper .small, .paper small { font-size: 11px; color: #5c6b7a; }
.paper .lives td, .paper .lives th { font-size: 12px; height: 22px; padding: 3px 6px; }
.paper .options td, .paper .options th { text-align: center; font-size: 13px; }
.paper .options td:first-child, .paper .options th:first-child { text-align: left; }
.box { display: inline-grid; place-items: center; width: 14px; height: 14px; border: 1.5px solid #172033; font-size: 11px; line-height: 1; vertical-align: -2px; margin-right: 4px; }
.ticks-line { margin: 8px 0; line-height: 1.9; }
.inline-line { display: inline-block; min-width: 120px; border-bottom: 1px solid #172033; }
.mandate { margin-top: 14px; padding: 12px 14px; border: 1px dashed #9aa9b8; }
.mandate p { font-size: 12px; line-height: 1.45; }
.sign.two { grid-template-columns: 1fr 1fr; }
.office { margin-top: 18px; padding: 12px 14px; background: #f3f6f4; border: 1px solid #d7e0d8; }
.office h2 { margin-top: 0; }
.lodged { margin: 12px 0 0; padding: 8px 12px; background: #e5f6ea; border-left: 4px solid #1c8a46; font-size: 13px; }
.pre { white-space: pre-wrap; }
.page-break { break-before: page; page-break-before: always; height: 0; }
.terms { font-size: 12px; }
.terms-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 6px 22px; }
.terms-grid p, .terms li { margin: 4px 0; line-height: 1.4; }
.page-no { margin: 14px 0 0; text-align: right; font-size: 11px; color: #5c6b7a; }
.terms-sheet { font-size: 12px; line-height: 1.4; }
.terms-head { display: grid; grid-template-columns: 90px 1fr auto; gap: 14px; align-items: center; border-bottom: 3px solid #1236b0; padding-bottom: 10px; margin-bottom: 12px; }
.terms-head img { width: 90px; }
.terms-head h1 { margin: 0; font-size: 22px; color: #0c1d5c; }
.terms-head p { margin: 2px 0; }
.terms-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.terms-cols > div + div { border-left: 1px solid #e3e9e4; padding-left: 26px; }
.terms-cols section { break-inside: avoid; margin-bottom: 10px; }
.terms-cols h3 { margin: 0 0 4px; font-size: 13px; color: #1236b0; text-transform: uppercase; letter-spacing: 0.04em; }
.terms-cols ol { margin: 0; padding-left: 18px; }
.terms-cols li { margin: 2px 0; }
.terms-note { background: #f4f7ff; padding: 8px 10px; border-radius: 6px; }
.paper .terms-note table { width: 100%; border-collapse: collapse; }
.paper .terms-note td { border: 0; border-bottom: 1px solid #d7e0d8; padding: 3px 0; }
.paper .terms-note td:last-child { text-align: right; font-weight: 700; }
.terms-note p { margin: 6px 0 0; font-size: 11px; color: #5c6b7a; }
.terms-ack { margin-top: 12px; padding-top: 8px; border-top: 2px solid #1236b0; }
.terms-ack p { margin: 0; font-weight: 600; }
.terms-ack .sign { margin-top: 8px; }
.safrican .paper-head, .saf-head { border-bottom-color: #c8102e; }
.saf-head { display: flex; justify-content: space-between; gap: 16px; align-items: flex-end; border-bottom: 3px solid #c8102e; padding-bottom: 10px; }
.saf-head h1 { margin: 0; color: #c8102e; font-size: 24px; }
.saf-head p { margin: 2px 0; font-size: 12px; color: #5c6b7a; }
.safrican .sec { background: #c8102e; }

@media print {
  .paper-tools, .site-header, .lp-nav { display: none; }
  body { background: white; }
  .paper { border: 0; margin: 0; padding: 0; width: auto; }
  .lodged, .office, .paper .sec, .terms-note { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
  .terms-sheet { break-before: page; page-break-before: always; font-size: 10.5px; }
  .app-sheet { font-size: 10px; line-height: 1.25; }
  .app-sheet .paper-head { grid-template-columns: 70px 1fr auto; gap: 10px; padding-bottom: 6px; }
  .app-sheet .paper-head img { width: 70px; }
  .app-sheet .paper-head h1 { font-size: 17px; }
  .app-sheet .paper-head p { margin: 1px 0; }
  .app-sheet h2 { font-size: 11.5px; margin: 7px 0 3px; }
  .app-sheet .sec { width: 16px; height: 16px; font-size: 9px; }
  .app-sheet .fields { gap: 1px 12px; }
  .app-sheet .fields span { font-size: 8.5px; }
  .app-sheet .fields b { min-height: 1.15em; }
  .app-sheet .lives th, .app-sheet .lives td { font-size: 9px; height: 13px; padding: 1px 4px; }
  .app-sheet .options th, .app-sheet .options td { font-size: 9.5px; padding: 2px 5px; }
  .app-sheet .small, .app-sheet .mandate p { font-size: 8.5px; margin: 3px 0; line-height: 1.3; }
  .app-sheet .ticks-line { margin: 3px 0; line-height: 1.5; }
  .app-sheet .box { width: 10px; height: 10px; font-size: 8px; }
  .app-sheet .mandate { margin-top: 6px; padding: 4px 8px; }
  .app-sheet .sign { margin-top: 6px; gap: 12px; }
  .app-sheet .sign i { height: 20px; }
  .app-sheet .sign span { font-size: 8.5px; }
  .app-sheet .office { margin-top: 6px; padding: 4px 8px; }
  .app-sheet footer { margin-top: 6px; font-size: 8px; }
  .app-sheet footer p { margin: 1px 0; }
  .app-sheet .page-no { margin-top: 4px; font-size: 8px; }
  @page { size: A4; margin: 14mm; }
}

/* Landing page */
.lp-wrap { width: min(1140px, calc(100% - 40px)); margin: 0 auto; }
.lp-nav { position: sticky; top: 0; z-index: 10; background: rgba(255, 255, 255, 0.94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.lp-nav-row { display: flex; align-items: center; justify-content: space-between; padding: 10px 0; gap: 16px; }
.lp-nav .brand img { height: 46px; display: block; }
.lp-nav nav { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; }
.lp-nav nav a { color: #0c1d5c; font-weight: 600; font-size: 15px; }
.lp-nav nav a.lp-quiet { color: #5c6b7a; font-weight: 500; }
.lp-btn { display: inline-block; padding: 10px 18px; border-radius: 999px; font-weight: 700; text-decoration: none !important; border: 2px solid transparent; transition: transform 0.15s, filter 0.15s; }
.lp-btn:hover { transform: translateY(-1px); filter: brightness(1.05); }
.lp-nav nav a.lp-btn-wa, .lp-btn-wa { background: #25d366; color: #06381b; }
.lp-btn-ghost { border-color: #1236b0; color: #1236b0; background: white; }
.lp-btn-light { background: white; color: #0c1d5c; }
.lp-btn-lg { padding: 14px 26px; font-size: 17px; }
.lp-eyebrow { margin: 0 0 8px; color: #1c8a46; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; font-size: 13px; }
.lp-lede { font-size: 18px; line-height: 1.6; color: #34445a; max-width: 62ch; }
.lp-small { font-size: 13px; color: #5c6b7a; }

.lp-hero { background: radial-gradient(circle at 85% 20%, #dff5e7 0, transparent 45%), linear-gradient(160deg, #f4f7ff 0%, #ffffff 60%); padding: 64px 0 56px; }
.lp-hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 48px; align-items: center; }
.lp-hero h1 { font-size: clamp(34px, 5vw, 54px); line-height: 1.08; margin: 0 0 16px; color: #0c1d5c; letter-spacing: -0.02em; }
.lp-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 24px 0; }
.lp-trust { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px 22px; color: #34445a; font-size: 14px; }
.lp-trust li::before { content: "✓"; color: #1c8a46; font-weight: 800; margin-right: 6px; }
.lp-phone { justify-self: center; width: min(340px, 100%); border-radius: 34px; background: #0c1d5c; padding: 12px; box-shadow: 0 30px 60px rgba(12, 29, 92, 0.25); }
.lp-phone-top { display: flex; gap: 10px; align-items: center; padding: 10px 12px; background: #075e54; color: white; border-radius: 24px 24px 0 0; }
.lp-phone-top img { width: 34px; height: 34px; border-radius: 50%; object-fit: cover; background: white; }
.lp-phone-top small { display: block; opacity: 0.8; font-size: 12px; }
.lp-chat { background: #ece5dd; padding: 14px 12px 18px; border-radius: 0 0 24px 24px; display: flex; flex-direction: column; gap: 8px; min-height: 380px; }
.lp-chat p { margin: 0; max-width: 82%; background: white; padding: 8px 10px; border-radius: 10px 10px 10px 2px; font-size: 13.5px; line-height: 1.45; box-shadow: 0 1px 1px rgba(0, 0, 0, 0.08); }
.lp-chat p.me { align-self: flex-end; background: #dcf8c6; border-radius: 10px 10px 2px 10px; }

.lp-stats { background: #0c1d5c; color: white; }
.lp-stats-row { display: grid; grid-template-columns: repeat(4, 1fr); padding: 26px 0; text-align: center; }
.lp-stats b { display: block; font-size: 30px; }
.lp-stats span { opacity: 0.8; font-size: 14px; }

.lp-section { padding: 72px 0; }
.lp-alt { background: #f5f8f6; }
.lp-section h2 { font-size: clamp(26px, 3.4vw, 36px); margin: 0 0 14px; color: #0c1d5c; letter-spacing: -0.01em; }
.lp-section h3 { color: #0c1d5c; margin-top: 0; }
.lp-two { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; align-items: start; }
.lp-gap { margin-top: 28px; }
.lp-card { background: white; border: 1px solid var(--line); border-radius: 18px; padding: 24px; box-shadow: 0 8px 24px rgba(12, 29, 92, 0.05); }

.lp-toggle { display: inline-flex; background: #eef2fb; border-radius: 999px; padding: 4px; margin: 10px 0 26px; }
.lp-toggle button { background: transparent; color: #1236b0; border: 0; border-radius: 999px; padding: 8px 18px; font-weight: 700; }
.lp-toggle button.on { background: #1236b0; color: white; }
.lp-plans { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.lp-plan { position: relative; background: white; border: 1px solid var(--line); border-radius: 20px; padding: 28px 24px; display: flex; flex-direction: column; }
.lp-plan-hot { border: 2px solid #25d366; box-shadow: 0 18px 40px rgba(28, 138, 70, 0.15); }
.lp-tag { position: absolute; top: -12px; left: 24px; background: #25d366; color: #06381b; font-size: 12px; font-weight: 800; padding: 4px 10px; border-radius: 999px; }
.lp-plan h3 { margin: 0; font-size: 22px; }
.lp-sub { margin: 4px 0 14px; color: #5c6b7a; }
.lp-price { font-size: 40px; font-weight: 800; color: #0c1d5c; margin: 0 0 14px; }
.lp-price small { font-size: 15px; font-weight: 500; color: #5c6b7a; margin-left: 4px; }
.lp-plan ul { list-style: none; padding: 0; margin: 0 0 22px; flex: 1; }
.lp-plan li { padding: 6px 0; border-top: 1px solid #eef1ef; }
.lp-plan li::before, .lp-check li::before { content: "✓"; color: #1c8a46; font-weight: 800; margin-right: 8px; }
.lp-plan .lp-btn { text-align: center; }
.lp-payout { margin-top: 36px; background: #f4f7ff; border-radius: 18px; padding: 24px; }
.lp-payout-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 10px; }
.lp-payout-row div { background: white; border-radius: 12px; padding: 14px; text-align: center; }
.lp-payout-row b { display: block; font-size: 26px; color: #1236b0; }
.lp-payout-row span { font-size: 13px; color: #5c6b7a; }

.lp-steps { list-style: none; counter-reset: s; padding: 0; margin: 20px 0 0; }
.lp-steps li { counter-increment: s; display: grid; grid-template-columns: 40px 110px 1fr; gap: 10px; align-items: baseline; padding: 12px 0; border-top: 1px solid var(--line); }
.lp-steps li::before { content: counter(s); display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: #1236b0; color: white; font-weight: 700; }
.lp-steps span { color: #34445a; }
.lp-timeline div { display: grid; grid-template-columns: 100px 1fr; gap: 12px; padding: 12px 0; border-left: 3px solid #25d366; padding-left: 14px; }
.lp-timeline b { color: #1236b0; }

.lp-cards3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 26px; }
.lp-cards3 article { background: white; border: 1px solid var(--line); border-radius: 18px; padding: 24px; }
.lp-num { display: inline-grid; place-items: center; width: 38px; height: 38px; border-radius: 12px; background: #e5f6ea; color: #1c8a46; font-weight: 800; margin-bottom: 10px; }
.lp-check { list-style: none; padding: 0; margin: 0; }
.lp-check li { padding: 7px 0; }
.lp-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 12px 0; }
.lp-chips span { background: #eef2fb; color: #1236b0; padding: 6px 12px; border-radius: 999px; font-weight: 600; font-size: 14px; }
.lp-menu ol { list-style: none; padding: 0; margin: 0 0 18px; }
.lp-menu li { padding: 8px 0; border-top: 1px solid #eef1ef; }
.lp-menu li b { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: 8px; background: #dcf8c6; margin-right: 10px; }
.lp-forms a { display: block; background: white; border: 1px solid var(--line); border-radius: 18px; padding: 24px; color: inherit; text-decoration: none; transition: border-color 0.15s, transform 0.15s; }
.lp-forms a:hover { border-color: #1236b0; transform: translateY(-2px); }
.lp-forms span { color: #1236b0; font-weight: 700; }

.lp-faq { max-width: 820px; }
.lp-faq details { background: white; border: 1px solid var(--line); border-radius: 14px; padding: 16px 20px; margin: 10px 0; }
.lp-faq summary { cursor: pointer; font-weight: 700; color: #0c1d5c; }
.lp-faq details p { margin: 10px 0 0; color: #34445a; line-height: 1.6; }

.lp-cta { background: linear-gradient(135deg, #1236b0, #0c1d5c); color: white; text-align: center; padding: 64px 0; }
.lp-cta h2 { font-size: 36px; margin: 0 0 8px; }
.lp-cta p { opacity: 0.85; margin-bottom: 22px; }
.lp-footer { background: #091544; color: #c6cfe6; padding: 40px 0; font-size: 14px; }
.lp-footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 30px; }
.lp-footer img { height: 48px; background: white; border-radius: 8px; padding: 4px; }
.lp-footer h4 { color: white; margin: 0 0 8px; }
.lp-footer a { color: #ffffff; }
.lp-float { position: fixed; right: 20px; bottom: 20px; z-index: 20; display: grid; place-items: center; width: 58px; height: 58px; border-radius: 50%; background: #25d366; color: white; box-shadow: 0 10px 24px rgba(0, 0, 0, 0.22); transition: transform 0.15s; }
.lp-float:hover { transform: scale(1.07); }

@media (max-width: 860px) {
  .lp-hero-grid, .lp-two, .lp-plans, .lp-cards3, .lp-footer-grid { grid-template-columns: 1fr; }
  .lp-stats-row, .lp-payout-row { grid-template-columns: 1fr 1fr; gap: 14px; }
  .lp-nav nav a:not(.lp-btn) { display: none; }
  .lp-steps li { grid-template-columns: 40px 1fr; }
  .lp-steps li span { grid-column: 2; }
  .terms-grid, .fields.three { grid-template-columns: 1fr 1fr; }
}

/* Analytics */
.page-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.page-head .row-actions { margin-top: 0; }
.muted { color: var(--muted); }
.section-title { margin: 22px 0 10px; font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.split.even { grid-template-columns: 1fr 1fr; margin-bottom: 16px; }
.split.three { grid-template-columns: repeat(3, 1fr); margin-bottom: 16px; }
.bars { display: grid; gap: 7px; }
.bar-row { display: grid; grid-template-columns: minmax(90px, 1.1fr) 2fr 36px 38px; gap: 8px; align-items: center; font-size: 14px; }
.bar-row span { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.bar-row small { color: var(--muted); text-align: right; }
.bar { height: 10px; border-radius: 999px; background: #edf1f7; overflow: hidden; }
.bar i { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--blue), #4a6fe0); }
.bar.small { display: inline-block; width: 70px; height: 8px; vertical-align: middle; }
.cols { display: flex; align-items: flex-end; gap: 6px; height: 190px; padding-top: 18px; }
.col { flex: 1; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; align-items: center; gap: 4px; min-width: 0; }
.col i { display: block; width: 100%; min-height: 2px; border-radius: 6px 6px 0 0; background: linear-gradient(180deg, #4a6fe0, var(--blue-deep)); }
.col small { font-size: 11px; color: var(--muted); white-space: nowrap; }
.col span { font-size: 10.5px; color: var(--muted); white-space: nowrap; }

/* Process map */
.process-toc { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 16px; }
.process-toc a { padding: 6px 12px; border-radius: 999px; background: white; border: 1px solid var(--line); font-size: 14px; }
.process { margin-bottom: 16px; }
.process h2 { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; flex-wrap: wrap; }
.small-link { font-size: 14px; font-weight: 600; }
.lane { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(210px, 1fr)); gap: 10px; counter-reset: step; }
.lane-step { position: relative; padding: 12px 12px 10px; border-radius: 12px; border: 1px solid var(--line); border-top: 4px solid var(--blue); background: white; counter-increment: step; }
.lane-step::before { content: counter(step); position: absolute; top: 10px; right: 12px; font-weight: 700; color: #b6c2d9; }
.lane-step b { display: block; margin-top: 6px; color: var(--blue-deep); }
.lane-step p { margin: 6px 0; font-size: 14px; }
.lane-step small { display: block; color: var(--muted); font-size: 12.5px; }
.who-chip { display: inline-block; padding: 1px 8px; border-radius: 999px; font-size: 11.5px; font-weight: 700; background: #e7f1ff; color: #184a8a; }
.who-member { border-top-color: var(--green); }
.who-member .who-chip { background: var(--green-soft); color: #135c2e; }
.who-staff { border-top-color: var(--blue-deep); }
.who-staff .who-chip { background: #e4e8f7; color: var(--blue-deep); }
.who-system { border-top-color: #8a95a8; }
.who-system .who-chip { background: #eef0f4; color: #4b5668; }
.who-administrator { border-top-color: var(--amber); }
.who-administrator .who-chip { background: var(--amber-soft); color: var(--amber); }
.side-user { margin: 0 0 6px; font-size: 13px; color: #c9d4f5; }

@media (max-width: 1100px) {
  .split.three, .split.even { grid-template-columns: 1fr; }
}