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var(--line);margin-top:8px;padding-top:12px;font-weight:800;color:var(--ink);font-size:16px}.card-stage{display:grid;grid-template-columns:1fr 320px;gap:34px;align-items:start}.mcard{aspect-ratio:1.586;border-radius:26px;padding:30px;position:relative;overflow:hidden;color:#fff;background:linear-gradient(140deg,#5B806B 0%,#36523F 52%,#2E4636 100%);box-shadow:0 30px 70px rgba(46,70,54,.34)}.mcard::before{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(240,160,136,.32),transparent 66%);top:-90px;right:-60px}.mcard-sheen{position:absolute;top:-40%;left:-30%;width:60%;height:180%;background:linear-gradient(105deg,transparent,rgba(255,255,255,.12),transparent);transform:rotate(8deg)}.mc-top{display:flex;justify-content:space-between;align-items:flex-start;position:relative}.mc-brand{font-family:var(--font-display);font-size:21px;color:#fff;font-weight:600;line-height:1.05}.mc-brand small{display:block;font-size:8.5px;letter-spacing:.24em;color:var(--gold-2);font-family:var(--font-ui);font-weight:700;margin-top:5px}.mc-tier{font-size:10px;font-weight:800;letter-spacing:.14em;color:#fff;background:rgba(255,255,255,.18);backdrop-filter:blur(4px);padding:6px 13px;border-radius:99px}.mc-chip{width:46px;height:36px;border-radius:9px;background:linear-gradient(135deg,#F0A088,#C45F44);margin:28px 0 20px;position:relative}.mc-chip::after{content:"";position:absolute;inset:6px;border:1px solid rgba(255,255,255,.4);border-radius:5px}.mc-no{font-family:var(--font-mono);font-size:18px;letter-spacing:.14em;color:#fff;position:relative}.mc-bot{display:flex;justify-content:space-between;align-items:flex-end;margin-top:20px;position:relative}.mc-bot .lbl{font-size:8px;letter-spacing:.18em;color:var(--gold-2);text-transform:uppercase}.mc-bot .v{font-size:14px;color:#fff;font-weight:600;letter-spacing:.04em}.mc-qr{width:58px;height:58px;border-radius:12px;background:#fff;padding:6px}.mc-qr svg{width:100%;height:100%}.card-actions{display:grid;gap:10px}.verify-box{background:var(--green-soft);border:1px solid #BFE0CC;border-radius:var(--radius-sm);padding:15px;display:flex;gap:11px;align-items:center}.verify-box .vk{width:36px;height:36px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;flex-shrink:0}.verify-box b{font-size:13px;color:var(--green);display:block}.verify-box span{font-size:12px;color:#3f7256}.card-meta{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);padding:20px;box-shadow:var(--shadow-sm)}.card-meta .row{display:flex;justify-content:space-between;padding:9px 0;font-size:13px;border-bottom:1px solid var(--line-soft)}.card-meta .row:last-child{border:none}.card-meta .row span{color:var(--slate-2)}.card-meta .row b{font-weight:600}.doc-progress{display:flex;align-items:center;gap:18px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin-bottom:20px;box-shadow:var(--shadow-sm)}.doc-ring{--p:50;width:68px;height:68px;border-radius:50%;flex-shrink:0;background:conic-gradient(var(--gold) calc(var(--p)*1%),var(--line) 0);display:grid;place-items:center}.doc-ring::after{content:attr(data-p)"%";width:52px;height:52px;background:var(--white);border-radius:50%;display:grid;place-items:center;font-family:var(--font-display);font-weight:500;font-size:17px}.doc-cat{margin-bottom:24px}.doc-cat h4{font-size:14px;margin-bottom:13px;display:flex;align-items:center;gap:10px}.doc-cat h4 .pill{font-size:10px}.doc-list{display:grid;gap:10px}.doc-item{display:flex;align-items:center;gap:14px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);padding:15px 17px}.doc-item .di-ic{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;flex-shrink:0}.di-ic.ok{background:var(--green-soft);color:var(--green)}.di-ic.wait{background:var(--amber-soft);color:var(--amber)}.doc-item .di-txt{flex:1}.doc-item .di-txt b{font-size:14px;display:block}.doc-item .di-txt span{font-size:12px;color:var(--slate-2)}.dropzone{border:2px dashed 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.cbx{width:26px;height:26px;border:2px solid var(--gold-3);border-radius:8px;flex-shrink:0}.admin-kpi{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:22px}.akpi{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-sm);padding:22px;display:flex;justify-content:space-between;align-items:flex-start;box-shadow:var(--shadow-sm)}.akpi .lbl{font-size:10.5px;color:var(--slate-2);font-weight:700;letter-spacing:.08em;text-transform:uppercase}.akpi .val{font-family:var(--font-display);font-size:32px;font-weight:500;margin-top:6px;line-height:1}.akpi .delta{font-size:11.5px;font-weight:700;margin-top:6px}.akpi .akic{width:44px;height:44px;border-radius:14px;display:grid;place-items:center}.admin-cols{display:grid;grid-template-columns:1.7fr 1fr;gap:18px}.tbl{width:100%;border-collapse:collapse}.tbl th{text-align:left;font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-2);font-weight:700;padding:14px;border-bottom:1px 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0}.checkout-stage .mcard{transition:background .35s ease}.tier-silver{background:linear-gradient(140deg,#8C9AA0 0%,#5C6B72 52%,#3F4A50 100%)!important}.tier-silver::before{background:radial-gradient(circle,rgba(255,255,255,.28),transparent 66%)!important}.tier-gold{background:linear-gradient(140deg,#5B806B 0%,#36523F 52%,#2E4636 100%)!important}.tier-premium{background:linear-gradient(140deg,#3A3550 0%,#2A2740 52%,#1C1A2E 100%)!important}.tier-premium::before{background:radial-gradient(circle,rgba(240,160,136,.4),transparent 64%)!important}@media(max-width:1024px){.checkout-stage{grid-template-columns:1fr}.cardplan-grid{grid-template-columns:1fr;max-width:380px;margin:0 auto}.member-hero{grid-template-columns:1fr;text-align:center}.hero-grid,.why,.auth-wrap{grid-template-columns:1fr}.svc-grid,.bene,.plan-grid,.track-grid{grid-template-columns:1fr 1fr}.stat-band,.loantype-grid,.kpi-row,.admin-kpi,.role-grid{grid-template-columns:1fr 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20px}.hero-trust{flex-wrap:wrap;gap:24px}.tl-step::after{display:none}}.legalwrap{max-width:880px;margin:0 auto;padding:30px 26px 60px}.legalwrap .page-hero{background:linear-gradient(150deg,var(--navy-700),var(--navy-900));color:#fff;border-radius:var(--radius);padding:30px 32px;margin-bottom:22px}.legalwrap .page-hero .wrap{padding:0;max-width:100%}.legalwrap .page-hero .eyebrow{color:var(--gold-2)}.legalwrap .page-hero .eyebrow::before{background:var(--gold-2)}.legalwrap .page-hero h1{color:#fff;font-size:clamp(26px,3.5vw,38px);margin-top:8px}.legalwrap .page-hero p{color:var(--paper);opacity:.85;margin-top:8px;font-size:14px}.legalwrap .ph-banner{padding:0;margin:0 0 18px}.legalwrap .ph-banner div{background:#FFF4D6;border:1px solid #EAD79B;border-radius:12px;padding:12px 16px;font-size:13px;color:#7a611a}.legalwrap .wrap{max-width:100%;padding:0}.legalwrap .legal-body{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);padding:34px 36px}.legalwrap .legal-body h2{font-family:var(--font-display);font-weight:500;font-size:22px;margin:28px 0 10px;color:var(--ink)}.legalwrap .legal-body h2:first-child{margin-top:0}.legalwrap .legal-body h3{font-size:15px;font-weight:700;color:var(--navy-700);margin:18px 0 8px}.legalwrap .legal-body p,.legalwrap .legal-body li{font-size:14.5px;color:var(--slate)}.legalwrap .legal-body ul,.legalwrap .legal-body ol{margin:10px 0 10px 22px}.legalwrap .legal-body li{margin:7px 0}.legalwrap .legal-body b{color:var(--ink)}.legalwrap .updated{font-size:12.5px;color:var(--slate-2);margin-bottom:20px;padding-bottom:14px;border-bottom:1px solid var(--line)}.legalwrap .callout{background:var(--gold-soft);border:1px solid #F3D2C6;border-left:3px solid var(--gold);border-radius:var(--radius-sm);padding:14px 16px;font-size:13.5px;color:#8a4631;margin:18px 0}.legalwrap .callout b{color:var(--gold-3)}.legalwrap .ph{background:#FFF4D6;border-radius:5px;padding:1px 6px;font-weight:600;color:#8a6d1c;font-size:.95em}.legalwrap table{width:100%;border-collapse:collapse;margin:16px 0}.legalwrap th,.legalwrap td{border:1px solid var(--line);padding:10px 12px;font-size:13.5px;text-align:left}.legalwrap th{background:var(--paper-2);color:var(--ink);font-weight:700}.legalwrap td{color:var(--slate)}.legalwrap .grid{display:grid;gap:18px}.legalwrap .cards-3{grid-template-columns:repeat(3,1fr)}.legalwrap .cards-2{grid-template-columns:repeat(2,1fr)}.legalwrap .box{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}.legalwrap .box h3{font-size:16px;margin-bottom:8px}.legalwrap .box .big{font-family:var(--font-display);font-size:30px;color:var(--navy-700)}.legalwrap .field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.legalwrap .field label{font-size:12px;font-weight:700;color:var(--slate)}.legalwrap .field input,.legalwrap .field textarea,.legalwrap .field select{font-family:inherit;font-size:14px;padding:11px 13px;border:1.5px solid var(--line);border-radius:11px;background:var(--paper-2)}.legalwrap .btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#fff;font-weight:700;font-size:14px;padding:12px 24px;border:none;border-radius:99px;cursor:pointer}.legalwrap .nav,.legalwrap .foot{display:none}@media(max-width:760px){.legalwrap .cards-3,.legalwrap .cards-2{grid-template-columns:1fr}.legalwrap .legal-body{padding:24px 20px}}
/* ============ PHP app additions (Sage & Sterling) ============ */
.container{max-width:1080px;margin:0 auto;padding:26px}
.page{padding:26px}
.muted{color:var(--slate-2)}
.mt{margin-top:18px}.mt-s{margin-top:10px}.mb{margin-bottom:18px}
.row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.spread{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.field input,.field select,.field textarea{font-family:inherit;font-size:14px;padding:12px 14px;border:1.5px solid var(--line);border-radius:13px;background:var(--paper-2);color:var(--ink);width:100%}
.flash{background:var(--green-soft);color:var(--green);border:1px solid #cfe7da;padding:12px 16px;border-radius:13px;font-weight:600;margin-bottom:16px}
.alert-warn{background:var(--amber-soft);color:var(--amber);border:1px solid #ecd9b0;padding:14px 18px;border-radius:14px;font-weight:600}
.gate{background:linear-gradient(135deg,var(--navy-800),var(--navy-900));color:#fff;padding:24px 26px;border-radius:var(--radius);display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;box-shadow:var(--shadow)}
.gate h3{color:#fff}
.gate p{color:#d8e4dc;font-size:13.5px;max-width:560px}
table.tbl{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius-sm);overflow:hidden;border:1px solid var(--line)}
table.tbl th{text-align:left;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--slate-2);padding:12px 14px;background:var(--paper-2);border-bottom:1px solid var(--line)}
table.tbl td{padding:13px 14px;border-bottom:1px solid var(--line-soft);font-size:13.5px}
table.tbl tr:last-child td{border-bottom:none}
.stepper{display:flex;gap:6px;flex-wrap:wrap;margin:6px 0 4px}
.stepper .st{flex:1;min-width:90px;text-align:center;padding:10px 6px;border-radius:12px;font-size:11px;font-weight:700;background:var(--paper-2);color:var(--slate-2);border:1px solid var(--line)}
.stepper .st.done{background:var(--green-soft);color:var(--green);border-color:#cfe7da}
.stepper .st.cur{background:var(--navy-900);color:#fff;border-color:var(--navy-900)}
.sigpad-wrap{border:2px dashed var(--gold);border-radius:14px;background:var(--paper-2);position:relative}
canvas.sigpad{width:100%;height:200px;display:block;touch-action:none;border-radius:12px}
.sig-hint{position:absolute;left:16px;bottom:10px;color:var(--gold-3);font-size:12px;pointer-events:none}
.checkfile{display:flex;align-items:center;gap:10px;padding:10px 12px;border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:8px;font-size:13px}
.checkfile .ok{color:var(--green);font-weight:700}
a.link{color:var(--gold-3);font-weight:700}
.doc-cat{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--slate-2);font-weight:700;margin:14px 0 8px}
.role-pill{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;padding:4px 10px;border-radius:99px;background:var(--navy-900);color:#fff}
@media(max-width:760px){
  .nav{display:none}
  .nav.open{display:flex;position:fixed;z-index:60;inset:0 auto 0 0;width:84%;max-width:300px;box-shadow:var(--shadow-lg)}
  .mobile-menu{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:11px;border:1px solid var(--line);background:#fff}
  .grid-2,.grid-3{grid-template-columns:1fr}
  .member-hero{grid-template-columns:1fr}
  .letter-body,.letter-head{padding:22px}
  .backdrop.show{display:block;position:fixed;inset:0;background:rgba(20,30,24,.4);z-index:55}
}