:root{--navy:#102f3f;--teal:#15a38d;--teal-dark:#087968;--mint:#dff6ee;--sky:#eaf4fa;--bg:#f4f7f6;--line:#d8e2e4;--ink:#12232d;--muted:#60717d;--soft:#f9fcfb;--danger:#b9473e;--amber:#f3b44b;--shadow:0 18px 55px #102f3f17}*{box-sizing:border-box}body{background:radial-gradient(circle at top left, #15a38d1f, transparent 32rem), linear-gradient(180deg, #f9fbfb 0%, var(--bg) 44%, #edf3f2 100%);color:var(--ink);margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;font-size:17px;line-height:1.5}a{color:var(--teal-dark)}.shell{min-height:100vh}.topbar{background:linear-gradient(135deg, var(--navy), #164c57 58%, #1b6f69);color:#fff;padding:30px 16px 78px}.topbar-inner,.page{width:min(100%,1080px);margin:0 auto}.topbar-eyebrow{color:#dff6ee;letter-spacing:0;background:#ffffff1a;border:1px solid #ffffff38;border-radius:999px;align-items:center;gap:8px;min-height:30px;padding:4px 10px;font-size:13px;font-weight:800;display:inline-flex}.topbar h1{max-width:760px;margin:18px 0 0;font-size:40px;line-height:1.05}.topbar p{color:#d6e8ec;max-width:650px;margin:12px 0 0;font-size:18px}.page{padding:0 16px 30px}.portal-page{margin-top:-54px}.card{box-shadow:var(--shadow);background:#fffffff0;border:1px solid #d8e2e4eb;border-radius:8px;margin-bottom:14px;padding:22px}.card h2{color:var(--navy);margin:0 0 8px;font-size:27px;line-height:1.12}.card h3,.subcard h3{color:var(--navy);margin:0 0 8px;font-size:19px}.hint{color:var(--muted);margin:0 0 16px}.intro-card{grid-template-columns:minmax(0,1fr) minmax(220px,280px);align-items:end;gap:18px;display:grid}.intro-card h2{font-size:32px}.secure-note{background:var(--sky);color:#204557;border-radius:8px;padding:14px;font-size:15px;font-weight:700}.wizard-panel{grid-template-columns:250px minmax(0,1fr);align-items:start;gap:16px;display:grid}.progress-card{box-shadow:none;position:sticky;top:16px}.step-kicker{color:var(--teal-dark);text-transform:uppercase;margin:0 0 6px;font-size:13px;font-weight:900}.progress-title{color:var(--navy);margin:0;font-size:22px;line-height:1.15}.progress-cue{color:var(--muted);margin:8px 0 0;font-size:14px;font-weight:700}.progress-track{background:#dfe8e8;border-radius:999px;height:9px;margin:16px 0;overflow:hidden}.progress-track span{border-radius:inherit;background:linear-gradient(90deg, var(--teal), #62c6a8);height:100%;transition:width .18s;display:block}.step-list{gap:8px;margin-top:16px;display:grid}.step-pill{min-height:38px;color:var(--muted);border-radius:999px;align-items:center;gap:10px;padding:6px 10px;font-size:14px;font-weight:800;display:flex}.step-pill:before{content:"";background:#c7d4d6;border-radius:999px;width:10px;height:10px}.step-pill.is-active{background:var(--mint);color:var(--navy)}.step-pill.is-active:before,.step-pill.is-complete:before{background:var(--teal)}.step-pill.is-complete{color:var(--teal-dark)}.save-chip{background:var(--soft);min-height:34px;color:var(--teal-dark);border-radius:999px;align-items:center;padding:5px 10px;font-size:14px;font-weight:900;display:inline-flex}.content-card{min-height:540px}.grid{gap:12px;display:grid}.two-column{grid-template-columns:repeat(2,minmax(0,1fr))}.three-column{grid-template-columns:repeat(3,minmax(0,1fr))}.span-all{grid-column:1/-1}.subcard{border:1px solid var(--line);background:#fbfdfd;border-radius:8px;margin-top:14px;padding:16px}.nested-subcard{box-shadow:none;background:#fff}.start-card{background:linear-gradient(#f7fffc,#fbfdfd);border-color:#15a38d47;margin:0 0 18px}.start-compliance{margin-top:14px}.collection-notice{background:#fff;border:1px solid #102f3f1f;border-radius:8px;gap:8px;margin-bottom:14px;padding:14px;display:grid}.collection-notice h3,.collection-notice p{margin:0}.collection-notice p{color:var(--muted);font-size:15px;font-weight:700}.row-heading{justify-content:space-between;align-items:center;gap:12px;display:flex}.quick-actions,.choice-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;margin:14px 0 4px;display:grid}.choice-card{border:1px solid var(--line);min-height:70px;color:var(--navy);text-align:left;background:#fff;border-radius:8px;justify-content:flex-start;padding:12px;font-size:16px;font-weight:900}.choice-card:hover,.choice-card.is-selected{background:var(--mint);color:var(--navy);border-color:#15a38d8c}.selected-answer{background:linear-gradient(#f7fffc,#eefaf6);border:1px solid #15a38d47;border-radius:8px;gap:3px;margin-top:14px;padding:14px;display:grid}.selected-answer strong{color:var(--navy);font-size:18px}.selected-answer span,.upload-zone small{color:var(--muted);font-size:14px;font-weight:700}.prompt-card{background:#fff8ea;border:1px solid #f3b44b8c;border-radius:8px;grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:14px;margin-top:14px;padding:14px;display:grid}.prompt-card h3{color:var(--navy);margin:0 0 4px}.prompt-card p{color:#6f4f12;margin:0;font-size:15px;font-weight:750}.section-note{border-left:4px solid var(--teal);color:#294753;background:#f7fffc;border-radius:8px;margin:14px 0;padding:12px 14px;font-size:15px;font-weight:700}.text-button{min-height:auto;color:var(--danger);background:0 0;padding:4px 0;font-size:15px}.full-width{width:100%}.total-row{margin-top:14px;font-size:19px}label{color:#223945;margin:14px 0 6px;font-size:14px;font-weight:900;display:block}input,select,textarea{border:1px solid var(--line);width:100%;min-height:56px;font:inherit;color:var(--ink);background:#fff;border-radius:8px;outline:none;padding:13px 14px}input:focus,select:focus,textarea:focus{border-color:var(--teal);box-shadow:0 0 0 4px #15a38d24}textarea{min-height:128px}.upload-zone{color:var(--navy);cursor:pointer;background:#f7fffc;border:1px dashed #15a38d8c;border-radius:8px;gap:6px;margin:12px 0 16px;padding:18px;display:grid}.upload-zone span{font-size:20px;font-weight:900}.upload-zone input{background:0 0;border:0;min-height:auto;padding:0}.bank-statements-card{background:linear-gradient(135deg,#f7fffc,#e7f8f1);border:2px solid #15a38d6b;border-radius:8px;grid-template-columns:minmax(0,1fr) minmax(220px,320px);align-items:center;gap:18px;margin:18px 0 12px;padding:20px;display:grid;box-shadow:0 16px 38px #15a38d24}.bank-statements-eyebrow{color:#087565;text-transform:uppercase;letter-spacing:0;background:#15a38d24;border-radius:999px;width:fit-content;margin-bottom:8px;padding:5px 10px;font-size:12px;font-weight:900;display:inline-flex}.bank-statements-card h3{margin:0 0 6px;font-size:22px}.bank-statements-card p{color:var(--muted);margin:0;font-size:15px;font-weight:700}.bank-statements-button{width:100%;min-height:64px;font-size:17px}.compliance-card{background:#f7fffc;border:1px solid #15a38d47;border-radius:8px;gap:12px;margin-top:14px;padding:16px;display:grid}.compliance-card p{color:var(--muted);margin:0;font-size:15px;font-weight:700}.compliance-links{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;display:grid}.checkline{grid-template-columns:22px minmax(0,1fr);align-items:start;gap:10px;margin:4px 0;font-size:15px;font-weight:800;display:grid}.checkline input{width:20px;min-height:20px;margin:2px 0 0;padding:0}button,.button{background:var(--teal);color:#fff;min-height:56px;font:inherit;cursor:pointer;border:0;border-radius:8px;justify-content:center;align-items:center;padding:13px 18px;font-weight:900;text-decoration:none;display:inline-flex}button:disabled{cursor:not-allowed;opacity:.55}.button-secondary{color:var(--navy);border:1px solid var(--line);background:#fff}.status-list{gap:8px;display:grid}.status-row{border:1px solid var(--line);background:#fff;border-radius:8px;justify-content:space-between;align-items:center;gap:12px;padding:12px;display:flex}.status-row span{color:var(--muted);text-align:right}.review-summary{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;display:grid}.review-overview{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:16px 0 12px;display:grid}.review-overview>div{background:#f7fffc;border:1px solid #15a38d40;border-radius:8px;min-height:112px;padding:14px}.review-label{color:var(--muted);text-transform:uppercase;letter-spacing:0;margin-bottom:8px;font-size:12px;font-weight:900;display:block}.review-overview strong{color:var(--navy);font-size:18px;line-height:1.25;display:block}.review-note{margin-top:14px}.submit-confirmation{text-align:center;gap:14px;display:grid}.submit-confirmation p{max-width:620px;color:var(--muted);margin:0 auto;font-weight:700}.confirmation-mark{background:var(--teal);color:#fff;border-radius:999px;justify-content:center;align-items:center;width:58px;height:58px;margin:0 auto;font-size:32px;font-weight:900;display:inline-flex}.submit-confirmation .status-list{text-align:left;width:100%;max-width:680px;margin:4px auto 0}.staff-toolbar{grid-template-columns:minmax(0,1fr) minmax(260px,360px);align-items:end;gap:16px;display:grid}.staff-card{gap:14px;display:grid}.staff-card-header{grid-template-columns:minmax(0,1fr) minmax(240px,320px);align-items:start;gap:14px;display:grid}.status-badge{background:var(--sky);width:fit-content;color:var(--navy);text-transform:uppercase;letter-spacing:0;border-radius:999px;margin-bottom:8px;padding:5px 10px;font-size:12px;font-weight:900;display:inline-flex}.status-submitted,.status-ready-for-broker-review{background:var(--mint);color:var(--teal-dark)}.status-waiting-on-client{color:#8a5c08;background:#fff3dc}.next-action{background:#f7fffc;border:1px solid #15a38d40;border-radius:8px;gap:6px;padding:14px;display:grid}.next-action span{color:var(--muted);text-transform:uppercase;letter-spacing:0;font-size:12px;font-weight:900}.next-action strong{color:var(--navy);line-height:1.25}.staff-list{border-top:1px solid var(--line);gap:8px;padding-top:14px;display:grid}.footer-actions{grid-template-columns:120px 1fr;gap:10px;margin-top:14px;display:grid}.success{color:var(--teal-dark);font-weight:900}.error{color:var(--danger);font-weight:900}@media (max-width:900px){.wizard-panel,.intro-card{grid-template-columns:1fr}.progress-card{position:static}.step-list{grid-template-columns:repeat(4,minmax(0,1fr))}.step-pill{justify-content:center}.step-pill span{display:none}}@media (max-width:720px){body{font-size:17px}.topbar{padding:18px 14px 48px}.topbar h1{margin-top:12px;font-size:28px}.topbar p{font-size:16px}.page{padding:0 8px 18px}.portal-page{margin-top:-34px}.card{margin-bottom:10px;padding:15px 12px}.card h2,.intro-card h2{font-size:24px}.intro-card{gap:10px}.intro-card .secure-note{display:none}.wizard-panel{gap:10px}.progress-card{padding:12px}.progress-title{font-size:20px}.progress-cue{margin-top:4px}.progress-track{margin:10px 0}.step-list{display:none}.two-column,.three-column{grid-template-columns:1fr}.choice-grid,.quick-actions{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}.choice-card,.quick-actions .button-secondary{min-height:54px;padding:10px;font-size:15px;line-height:1.15}.content-card{min-height:auto}input,select,textarea,button,.button{min-height:56px}label{margin-top:10px}.selected-answer,.section-note,.upload-zone{padding:12px}.bank-statements-card{grid-template-columns:1fr;padding:14px}.prompt-card{grid-template-columns:1fr}.compliance-card{padding:12px}.compliance-links,.review-summary,.review-overview{grid-template-columns:1fr}.review-overview>div{min-height:auto}.staff-toolbar,.staff-card-header{grid-template-columns:1fr}.footer-actions{z-index:10;border-top:1px solid var(--line);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);background:#f4f7f6f5;grid-template-columns:1fr 1.4fr;margin:0 -8px;padding:8px;position:sticky;bottom:0}}@media (max-width:380px){.choice-grid,.quick-actions{grid-template-columns:1fr}}