/* Rory member web portal — Onest, roryBlue controls for every tenant, tenant
   palette only in the lockup and tinted chips (app/lib/style.dart seeds the
   palette). The portal deliberately runs its own desktop scale — radii
   12/16/20, pill buttons, #f6f7fb ground — distinct from the app (whose radii
   are 20/18/28/14/99). Layout follows the servicing two-column shape (loan
   header, pay column left, payments right). */

:root {
  --rory-blue: #2e3dff;
  --rory-blue-deep: #1b24c4;
  --rory-periwinkle: #98a2ff;
  --rory-foam: #eaecff;
  --ink: #0a1029;
  --muted: #6e7391; /* v4 muted */
  --ink2: #3d4569;
  --border: #e3e6f3;
  --border-subtle: #edeff7;
  --soft-card: #eef1fb;
  --input: #f3f4fb;
  --processing: #fff1d6;
  --processing-ink: #8a5a00;
  --points-green: #21a666;
  --shadow-card: 0 4px 12px rgba(10, 16, 41, 0.06);
  --shadow-lift: 0 14px 30px -14px rgba(10, 16, 41, 0.14), 0 1px 2px rgba(10, 16, 41, 0.04);
  --success: #0c814d; /* 4.93:1 on white, WCAG AA for small text */
  --success-deep: #0c7a4a; /* 5.4:1 on white, 4.8:1 on --success-soft */
  --success-soft: #e6f7ef;
  --warning: #f59e0b;
  --warning-deep: #8a5a05; /* 5.9:1 on white, 5.4:1 on --warning-soft */
  --warning-soft: #fff4e0;
  --danger: #e5484d;
  --danger-deep: #c03539; /* 5.5:1 on white, 4.8:1 on --danger-soft */
  --danger-soft: #fcebeb;
  --bg: #f6f7fb;
  --surface: #ffffff;
  --r-xs: 12px;  /* chips */
  --r-sm: 14px;  /* rows */
  --r-md: 16px;  /* cards */
  --r-lg: 20px;  /* loan snapshot */
  --r-soft: 18px; /* soft informational card */
  --tenant-brand: #1272b9;
  --tenant-soft: #eaf3fa;
}

* { box-sizing: border-box; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font-family: "Onest", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 15px; line-height: 1.45;
}
.hidden { display: none !important; }
.muted { color: var(--muted); }
.small { font-size: 13px; }
h2 { margin: 0; font-size: 16px; font-weight: 600; letter-spacing: -0.01em; }
.ic { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* Keyboard focus: one visible treatment for every interactive element. */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible,
textarea:focus-visible, [role="button"]:focus-visible, .btn:focus-visible,
.choice:focus-visible, .chip:focus-visible, .pay-radio:focus-visible {
  outline: 2px solid var(--rory-blue);
  outline-offset: 2px;
}

/* Top bar */
.topbar { display: flex; align-items: center; justify-content: space-between; padding: 12px 26px; background: var(--surface); border-bottom: 1px solid var(--border-subtle); position: sticky; top: 0; z-index: 5; }
.lockup { display: flex; align-items: center; gap: 12px; }
/* Initials tile is only the fallback; a real logo renders at its natural
   aspect ratio, untiled, and may take horizontal space. */
.fi-mark { width: 44px; height: 44px; border-radius: var(--r-sm); background: var(--tenant-brand); color: #fff; font-weight: 700; font-size: 17px; display: flex; align-items: center; justify-content: center; overflow: hidden; flex: none; }
.fi-mark.has-logo { width: auto; max-width: 180px; height: 42px; background: none; border-radius: 0; overflow: visible; }
.fi-mark.has-logo img { height: 100%; width: auto; max-width: 180px; object-fit: contain; }
.top-actions { display: flex; align-items: center; gap: 10px; }
.icon-btn { position: relative; border: 0; background: none; color: var(--ink); width: 38px; height: 38px; border-radius: 50%; cursor: pointer; display: flex; align-items: center; justify-content: center; }
.icon-btn:hover { background: var(--border-subtle); }
.bell-dot { position: absolute; top: 8px; right: 8px; width: 8px; height: 8px; border-radius: 50%; background: var(--rory-blue); box-shadow: 0 0 0 2px var(--surface, #fff); }
.bell-dot.hidden { display: none; }
.member-chip { width: 38px; height: 38px; border-radius: 50%; border: 0; background: var(--rory-foam); color: var(--rory-blue-deep); font-weight: 700; font-size: 13px; display: flex; align-items: center; justify-content: center; cursor: pointer; font-family: inherit; }

/* Profile menu */
.profile-wrap { position: relative; }
.menu { position: absolute; right: 0; top: 46px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); box-shadow: 0 10px 30px rgba(10, 16, 41, 0.12); width: 230px; padding: 6px; z-index: 10; }
.menu-head { padding: 10px 12px; font-weight: 700; display: flex; flex-direction: column; border-bottom: 1px solid var(--border-subtle); margin-bottom: 6px; }
.menu-item { display: flex; align-items: center; gap: 10px; width: 100%; border: 0; background: none; padding: 10px 12px; border-radius: 10px; font: inherit; font-weight: 600; color: var(--ink); cursor: pointer; text-align: left; }
.menu-item:hover { background: var(--rory-foam); color: var(--rory-blue-deep); }
.menu-item .ic { width: 16px; height: 16px; }

/* Layout */
.page { max-width: 1020px; margin: 0 auto; padding: 22px 20px 44px; }
.columns { display: flex; gap: 12px; margin-top: 12px; align-items: flex-start; }
.col-left { flex: 5; display: flex; flex-direction: column; gap: 18px; min-width: 0; }
.col-right { flex: 6; display: flex; flex-direction: column; gap: 18px; min-width: 0; }
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 16px; display: flex; flex-direction: column; gap: 12px; box-shadow: var(--shadow-card); }
.card-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; }

/* Loan header */
.loan-head { flex-direction: row; align-items: center; justify-content: space-between; gap: 16px; }
.loan-kicker { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--muted); }
.loan-provided { font-size: 17px; font-weight: 700; margin-top: 2px; }
.link { color: var(--rory-blue-deep); font-weight: 700; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; }
.link:hover { text-decoration: underline; text-underline-offset: 3px; }
.link .ic { width: 15px; height: 15px; }
.link-btn { border: 0; background: none; color: var(--rory-blue-deep); font-weight: 700; font-size: 14px; cursor: pointer; padding: 4px; font-family: inherit; }
.link-btn:hover { text-decoration: underline; text-underline-offset: 3px; }

/* Pay card */
.pay-card { padding: 0; overflow: hidden; gap: 0; }
.status-banner { display: flex; align-items: center; gap: 10px; padding: 13px 20px; font-weight: 700; }
.status-banner.ok { background: var(--success-soft); color: var(--success-deep); }
.status-banner.due { background: var(--rory-foam); color: var(--rory-blue-deep); }
.pay-body { padding: 18px 20px 16px; display: flex; flex-direction: column; gap: 12px; }
.due-row { display: flex; align-items: baseline; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.due-amount { font-size: 27px; font-weight: 700; letter-spacing: -0.02em; }
.due-when { font-size: 15px; font-weight: 600; color: var(--muted); }
.scheduled { color: var(--muted); font-style: italic; }
.pay-points { text-align: center; color: var(--muted); font-size: 13px; }
.pay-points strong, .pts-strong, .streak-copy strong { color: var(--rory-blue-deep); }

/* Buttons */
.btn { border: 1px solid var(--border); background: var(--surface); color: var(--ink); border-radius: 999px; padding: 12px 18px; font-size: 15px; font-weight: 700; cursor: pointer; font-family: inherit; display: inline-flex; align-items: center; justify-content: center; gap: 8px; }
.btn.primary { background: var(--rory-blue); border-color: var(--rory-blue); color: #fff; box-shadow: 0 8px 20px -4px rgba(46, 61, 255, 0.35); }
.btn.primary:hover { background: var(--rory-blue-deep); }
.btn.big { padding: 15px 18px; font-size: 16px; }
.btn.block { width: 100%; }
.btn.outline { border-color: var(--rory-blue); color: var(--rory-blue-deep); background: none; }
.btn.ghost { border-style: dashed; color: var(--muted); background: none; }
.btn:hover { background: var(--border-subtle); }
.btn.outline:hover { background: var(--rory-foam); }
.btn .ic { width: 16px; height: 16px; }

/* Pills */
.pill { display: inline-flex; align-items: center; gap: 6px; border-radius: 999px; padding: 3px 8px; font-size: 10.5px; font-weight: 700; width: fit-content; letter-spacing: 0.01em; }
.ok-pill { background: var(--success-soft); color: var(--success-deep); }

/* Accordions */
.accordion { padding: 0; gap: 0; }
.accordion-head { width: 100%; display: flex; align-items: center; justify-content: space-between; border: 0; background: none; font: inherit; font-weight: 700; font-size: 16px; padding: 17px 20px; cursor: pointer; color: var(--ink); }
.accordion .chev { color: var(--muted); transition: transform 0.15s; }
.accordion.collapsed .chev { transform: rotate(-90deg); }
.accordion.collapsed .accordion-body { display: none; }
.accordion-body { padding: 0 20px 16px; display: flex; flex-direction: column; gap: 12px; }

/* Payment methods */
.method-row { display: flex; align-items: center; gap: 12px; }
.method-ico { width: 40px; height: 40px; border-radius: var(--r-sm); background: var(--tenant-soft); color: var(--tenant-brand); display: flex; align-items: center; justify-content: center; flex: none; }
.method-info { flex: 1; display: flex; flex-direction: column; min-width: 0; }
.method-name { font-weight: 700; }
.method-sub { color: var(--muted); font-size: 13px; }
.mask::before { content: "\2022\2022\2022\2022\00a0"; color: var(--muted); }
.check-address { font-weight: 700; line-height: 1.6; margin: 0; }

/* Payments ledger */
.payments-list { display: flex; flex-direction: column; }
.pay-row { display: flex; align-items: center; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--border-subtle); }
.pay-row:last-child { border-bottom: 0; }
.pay-ico { width: 38px; height: 38px; border-radius: 50%; flex: none; display: flex; align-items: center; justify-content: center; background: var(--border-subtle); color: var(--muted); }
.pay-ico.next { background: var(--rory-foam); color: var(--rory-blue-deep); }
.pay-ico .ic { width: 16px; height: 16px; }
.pay-label { flex: 1; min-width: 0; font-weight: 600; }
.pay-amount { font-weight: 700; font-variant-numeric: tabular-nums; }

/* Streak — the whole term as year rows of month cells, filling in over time */
.streak-copy { margin: 0; font-weight: 700; font-size: 16px; }
.streak-grid { display: flex; flex-direction: column; gap: 9px; margin-top: 4px; }
.streak-year { display: flex; align-items: center; gap: 8px; margin-top: 6px; }
.streak-cells { display: flex; gap: 5px; flex: 1; }
.cell { width: 16px; height: 16px; border-radius: 50%; border: 1.5px solid var(--border); flex: none; display: flex; align-items: center; justify-content: center; color: #fff; }
.cell .ic { width: 9px; height: 9px; stroke-width: 3.5; }
.cell.done { background: var(--success); border-color: var(--success); }
.cell.now { border-color: var(--rory-blue); background: var(--rory-foam); }
.streak-label { font-size: 13px; font-weight: 600; color: var(--muted); width: 44px; text-align: right; flex: none; }

/* Footer */
.foot { display: flex; align-items: center; justify-content: space-between; margin-top: 24px; color: var(--muted); font-size: 13px; }
.foot-brand { display: flex; align-items: center; gap: 8px; }
.foot-brand img { width: 22px; height: 22px; border-radius: 6px; }
.tenant-switch { display: flex; align-items: center; gap: 8px; }
.tenant-switch select { border: 1px solid var(--border); border-radius: 8px; padding: 6px 8px; font: inherit; background: var(--surface); }

/* Modal */
.modal-backdrop { position: fixed; inset: 0; background: rgba(10, 16, 41, 0.45); display: flex; align-items: center; justify-content: center; z-index: 20; padding: 20px; }
.modal { background: var(--surface); border-radius: var(--r-lg); width: 440px; max-width: 100%; max-height: 90vh; overflow-y: auto; padding: 26px; position: relative; }
.modal-x { position: absolute; top: 14px; right: 14px; border: 0; background: var(--border-subtle); border-radius: 50%; width: 32px; height: 32px; cursor: pointer; color: var(--muted); display: flex; align-items: center; justify-content: center; }
.modal-x .ic { width: 15px; height: 15px; }
.modal h3 { margin: 0 0 4px; font-size: 20px; font-weight: 700; }
.modal .sub { color: var(--muted); margin: 0 0 18px; }
.choice { display: flex; align-items: center; justify-content: space-between; gap: 10px; border: 1.5px solid var(--border); border-radius: var(--r-md); padding: 14px 16px; margin-bottom: 10px; cursor: pointer; font-weight: 700; }
.choice:hover { border-color: var(--rory-blue); }
.choice .sub-line { display: block; font-size: 13px; color: var(--muted); font-weight: 500; }
.choice .pts { color: var(--rory-blue-deep); font-size: 13px; font-weight: 700; white-space: nowrap; }
.inbox-list { display: flex; flex-direction: column; gap: 2px; margin: 6px 0 4px; }
.inbox-row { display: flex; align-items: center; gap: 12px; padding: 12px 4px; border-bottom: 1px solid var(--border); }
.inbox-row:last-child { border-bottom: 0; }
.inbox-ico { display: inline-flex; align-items: center; justify-content: center; width: 34px; height: 34px; flex: 0 0 34px; border-radius: 50%; background: var(--rory-foam); color: var(--rory-blue-deep); }
.inbox-ico .ic { width: 17px; height: 17px; }
.inbox-info { display: flex; flex-direction: column; gap: 2px; flex: 1; min-width: 0; }
.inbox-title { font-weight: 700; font-size: 13.5px; line-height: 1.35; }
.inbox-meta { font-size: 12px; color: var(--muted); font-weight: 500; }
.inbox-row.read .inbox-title { font-weight: 500; color: var(--muted); }
.inbox-dot { width: 8px; height: 8px; flex: 0 0 8px; border-radius: 50%; background: var(--rory-blue); }
.amount-input { display: flex; align-items: center; gap: 8px; border: 1.5px solid var(--border); border-radius: var(--r-md); padding: 12px 16px; margin-bottom: 14px; font-size: 22px; font-weight: 700; }
.amount-input input { border: 0; outline: 0; font: inherit; width: 100%; }
.amount-input:focus-within { border-color: var(--rory-blue); }
.confirm-row { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid var(--border-subtle); font-size: 14px; }
.confirm-row:last-of-type { border-bottom: 0; margin-bottom: 14px; }
.confirm-row .v { font-weight: 700; }
.success-img { width: 130px; margin: 0 auto 8px; display: block; }
.success-pts { text-align: center; background: var(--rory-foam); color: var(--rory-blue-deep); font-weight: 700; border-radius: 999px; padding: 8px 16px; width: fit-content; margin: 0 auto 18px; }
.center { text-align: center; }

/* Section modals (vehicle, rewards, journey from the profile menu) */
.section-img { width: 100%; border-radius: var(--r-md); object-fit: contain; margin-bottom: 10px; }
.stat-row { display: flex; gap: 8px; margin-bottom: 12px; }
.stat { flex: 1 1 0; min-width: 0; background: var(--border-subtle); border-radius: var(--r-sm); padding: 10px 12px; display: flex; flex-direction: column; gap: 2px; }
.stat-label { font-size: 12px; color: var(--muted); font-weight: 600; }
.stat-value { font-weight: 700; font-variant-numeric: tabular-nums; }
/* Modal stat cards must fit three-up (the hero's 27px .stat-value bleeds in
   otherwise and overflows the modal). Scoped so the hero is untouched. */
.stat-row .stat-value { font-size: 18px; line-height: 1.15; }
.ok-text { color: var(--success-deep); }
.mini-row { display: flex; justify-content: space-between; gap: 10px; padding: 9px 0; border-bottom: 1px solid var(--border-subtle); font-size: 14px; font-weight: 600; }
.mini-row:last-child { border-bottom: 0; }
.mini-row .pts { color: var(--rory-blue-deep); font-weight: 700; white-space: nowrap; }
.mini-row .done-label { color: var(--success-deep); }
.mini-row .q { display: flex; align-items: center; gap: 10px; }
.mini-row .q .ic { width: 15px; height: 15px; color: var(--rory-blue-deep); }
.insurance-line { display: flex; align-items: center; gap: 8px; color: var(--success-deep); font-weight: 700; font-size: 14px; }

/* Journey: progress bar, Road/Plan toggle, and the visualized road */
.journey-progress { margin: 6px 0 16px; display: flex; flex-direction: column; gap: 8px; }
.jp-bar { height: 10px; border-radius: 6px; background: var(--rory-foam); overflow: hidden; }
.jp-fill { height: 100%; background: var(--rory-blue); border-radius: 6px; }
.jp-legend { display: flex; justify-content: space-between; align-items: center; gap: 12px; font-size: 13px; color: var(--muted); font-weight: 600; }
.jp-pts { color: var(--rory-blue-deep); font-weight: 700; display: inline-flex; align-items: center; gap: 5px; white-space: nowrap; }
.jp-pts .ic { width: 15px; height: 15px; }
/* the winding road (app Road view): fixed-size illustrative canvas, centered
   and scrollable within the page */
.journey-road { position: relative; width: 380px; height: 940px; margin: 8px auto 8px; }
.road-svg { position: absolute; inset: 0; }
.road-base { stroke: #1b2450; stroke-width: 30; stroke-linecap: round; }
.road-base.up { opacity: 0.28; }
.road-dash { stroke: #fff; stroke-width: 2.5; stroke-linecap: round; stroke-dasharray: 2 16; opacity: 0.9; }
.road-dash.up { opacity: 0.4; }
.road-node { position: absolute; transform: translate(-50%, -50%); width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; background: var(--surface); border: 2px solid var(--border); box-sizing: border-box; z-index: 2; }
.road-node .ic { width: 15px; height: 15px; color: var(--muted); }
.road-node.done { background: var(--success-deep); border-color: var(--success-deep); }
.road-node.done .ic { color: #fff; }
.road-node.flag .ic { color: var(--rory-blue-deep); }
.road-node.here { width: 40px; height: 40px; background: var(--rory-blue); border: 3px solid #fff; box-shadow: 0 0 0 3px rgba(46, 61, 255, 0.25); }
.road-node.here .ic { color: #fff; width: 19px; height: 19px; }
.road-chip { position: absolute; width: 152px; background: var(--surface); border: 1px solid var(--border); border-radius: 13px; padding: 9px 12px; display: flex; flex-direction: column; gap: 1px; box-shadow: 0 4px 14px rgba(10, 16, 41, 0.10); z-index: 2; }
.road-chip.flag { opacity: 0.6; box-shadow: 0 2px 8px rgba(10, 16, 41, 0.06); }
.rc-t { font-weight: 700; font-size: 13px; line-height: 1.25; }
.rc-m { font-size: 11.5px; color: var(--muted); font-weight: 500; }
.road-here { position: absolute; transform: translateX(-50%); text-align: center; display: flex; flex-direction: column; gap: 1px; z-index: 2; }
.rh-t { font-weight: 700; font-size: 12px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--rory-blue-deep); }
.rh-m { font-size: 12px; color: var(--muted); font-weight: 600; }
.insurance-line .ic { width: 16px; height: 16px; }
.progress { height: 8px; border-radius: 999px; background: var(--border-subtle); overflow: hidden; margin-bottom: 6px; }
.progress-fill { height: 100%; border-radius: 999px; background: var(--rory-blue); }

/* Toast */
.toast { position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%); background: var(--ink); color: #fff; padding: 10px 18px; border-radius: 999px; font-size: 13px; z-index: 30; font-weight: 600; }

/* ── Landing / sign-in (CheckAlt-style loan-pay landing, roryfied) ───────── */
body.landing-mode .topbar, body.landing-mode .page { display: none; }
.landing { position: fixed; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 16px; padding: 24px; overflow-y: auto; background: linear-gradient(180deg, var(--tenant-soft, var(--rory-foam)), var(--bg) 70%); z-index: 40; }
.landing.hidden { display: none; }
.landing-card { width: 100%; max-width: 400px; background: var(--surface); border-radius: var(--r-lg); padding: 32px 28px 24px; box-shadow: 0 18px 60px rgba(10, 16, 41, 0.12); text-align: center; }
.landing-mark { margin: 0 auto 14px; width: 56px; height: 56px; }
.landing-card h1 { font-size: 23px; font-weight: 700; margin: 0 0 6px; }
.landing-sub { color: var(--muted); font-size: 14px; margin: 0 0 18px; }
.landing-input { width: 100%; box-sizing: border-box; border: 1.5px solid var(--border); border-radius: var(--r-sm); padding: 13px 14px; font: inherit; font-size: 15px; margin-bottom: 10px; }
.landing-input:focus { outline: none; border-color: var(--rory-blue); }
.landing-input.code { text-align: center; letter-spacing: 8px; font-weight: 700; font-size: 20px; }
.landing-error { color: var(--danger-deep); font-size: 13px; font-weight: 600; margin: 10px 0 0; }
.landing-divider { display: flex; align-items: center; gap: 12px; color: var(--muted); font-size: 12px; margin: 16px 0; }
.landing-divider::before, .landing-divider::after { content: ""; flex: 1; height: 1px; background: var(--border-subtle); }
.landing-foot { display: flex; align-items: center; justify-content: center; gap: 6px; color: var(--muted); font-size: 12px; margin: 18px 0 0; }
.landing-foot img { width: 16px; height: 16px; border-radius: 4px; }

/* ── Structured ledger rows ──────────────────────────────────────────────── */
.pay-label { display: grid; gap: 1px; }
.pay-meta { font-size: 12px; color: var(--muted); font-weight: 500; }
.pay-right { display: grid; gap: 2px; justify-items: end; }
.pts-green { color: var(--points-green); font-size: 11px; font-weight: 600; }
.pill.processing { background: var(--processing); color: var(--processing-ink); }
.pill.scheduled { background: var(--rory-foam); color: var(--rory-blue-deep); }
.pill.neutral { background: var(--border-subtle); color: var(--muted); }
.pill.brand-pill { background: var(--rory-foam); color: var(--rory-blue-deep); }

/* ── Payment date cards + scheduled management ───────────────────────────── */
.when-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 10px; }
.when-grid .choice { margin-bottom: 0; }
.choice.selected { border-color: var(--rory-blue); background: var(--rory-foam); }
.date-input { width: 100%; box-sizing: border-box; border: 1.5px solid var(--border); border-radius: var(--r-sm); padding: 12px 14px; font: inherit; margin-bottom: 10px; }
.fee-note { color: var(--muted); font-size: 12px; line-height: 1.45; text-align: center; margin: 12px 0; }
.choice.danger { border-color: color-mix(in srgb, var(--danger) 35%, transparent); color: var(--danger-deep); }
.choice.danger .sub-line { color: color-mix(in srgb, var(--danger-deep) 75%, transparent); }
.confirm-row .v.green { color: var(--success); }

/* ── Confirmation blue stage (matches the app's success screen) ──────────── */
.success-stage { margin: -26px; padding: 40px 28px 26px; border-radius: var(--r-lg); background: var(--rory-blue); color: #fff; text-align: center; }
.success-stage img { width: 210px; max-width: 80%; margin-bottom: 8px; }
.success-stage h3 { color: #fff; font-size: 24px; font-weight: 700; margin: 0 0 8px; }
.success-stage p { color: rgba(255, 255, 255, 0.85); font-size: 14px; line-height: 1.45; margin: 0 0 16px; }
.success-stage .success-pill { display: inline-flex; align-items: center; gap: 6px; background: rgba(255, 255, 255, 0.16); color: #fff; border-radius: 999px; padding: 7px 15px; font-size: 13px; font-weight: 700; margin-bottom: 22px; }
.success-stage .success-pill .ic { width: 13px; height: 13px; }
.btn.white { background: #fff; color: var(--rory-blue-deep); }

/* ── Calendar date picker (app's "Pay · Pick a date") ────────────────────── */
.cal-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 4px; justify-items: center; margin-bottom: 6px; }
.cal-head span { font-size: 11px; font-weight: 700; color: var(--muted); letter-spacing: 0.06em; }
.cal-cell { width: 40px; height: 40px; border: 0; border-radius: 50%; background: none; font: inherit; font-size: 14px; font-weight: 600; color: var(--ink); cursor: pointer; display: flex; align-items: center; justify-content: center; }
.cal-cell:hover { background: var(--border-subtle); }
.cal-cell.off { color: var(--border); cursor: default; pointer-events: none; }
.cal-cell.due { box-shadow: inset 0 0 0 2px var(--rory-blue-deep); }
.cal-cell.grace { background: var(--rory-foam); color: var(--rory-blue-deep); }
.cal-cell.sel, .cal-cell.grace.sel { background: var(--rory-blue); color: #fff; box-shadow: none; }
.cal-legend { display: flex; justify-content: center; gap: 18px; font-size: 12px; color: var(--muted); margin: 10px 0 2px; }
.cal-legend .dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 5px; vertical-align: -1px; }
.cal-legend .dot.ring { box-shadow: inset 0 0 0 2px var(--rory-blue-deep); }
.cal-legend .dot.tint { background: var(--rory-foam); }
.cal-banner { display: flex; align-items: center; justify-content: center; gap: 6px; border-radius: var(--r-sm); padding: 9px 12px; font-size: 13px; font-weight: 600; margin: 10px 0; }
.cal-banner.ok { background: var(--success-soft); color: var(--success-deep); }
.cal-banner.ok .ic { width: 13px; height: 13px; }
.cal-banner.warn { background: var(--warning-soft); color: var(--warning-deep); }
.cal-cell:disabled { opacity: 1; }
#cal-next:disabled { opacity: 0.45; cursor: default; }

/* Rewards total chip (matches the app's home header points pill) */
.pts-chip { display: inline-flex; align-items: center; gap: 6px; border: 0; cursor: pointer; background: var(--surface); color: var(--ink); border-radius: 999px; height: 34px; padding: 0 13px; font: inherit; font-size: 13px; font-weight: 700; box-shadow: 0 4px 14px rgba(10, 16, 41, 0.08); }
.pts-chip::first-letter { color: var(--rory-blue-deep); }

/* Generic landing: institution chooser */
.tenant-list { display: grid; gap: 8px; margin-bottom: 4px; }
.inst-option { display: flex; align-items: center; gap: 12px; width: 100%; border: 1.5px solid var(--border); border-radius: var(--r-md); background: var(--surface); padding: 11px 14px; font: inherit; font-weight: 700; font-size: 14px; color: var(--ink); cursor: pointer; text-align: left; }
.inst-option:hover { border-color: var(--rory-blue); }
.inst-chip { width: 34px; height: 34px; border-radius: 9px; color: #fff; font-size: 12px; font-weight: 700; display: flex; align-items: center; justify-content: center; overflow: hidden; flex: none; }
.inst-chip img { width: 100%; height: 100%; object-fit: contain; background: #fff; }
.inst-name { flex: 1; }
.inst-go { color: var(--muted); font-size: 18px; }

/* ── Mobile (phones) ─────────────────────────────────────────────────────────
   The 860px query above stacks the columns; this block makes the portal feel
   native on a phone: no iOS focus-zoom (inputs ≥16px), modals become bottom
   sheets, tighter chrome, and safe-area padding. */
@media (max-width: 520px) {
  .topbar { padding: 10px 14px; }
  .page { padding: 16px 14px 36px; }
  .card { padding: 16px; border-radius: 16px; }
  .columns { gap: 14px; margin-top: 14px; }

  /* Tighter hero + smaller tenant logo so the topbar/hero fit an iPhone. */
  .hero-card { padding: 18px 16px; }
  .car-thumb { width: 72px; }
  .hero-vehicle { font-size: 18px; }
  .fi-mark { width: 38px; height: 38px; font-size: 15px; }
  .fi-mark.has-logo { max-width: 132px; height: 32px; }
  .fi-mark.has-logo img { max-width: 132px; }
  .top-actions { gap: 8px; }
  .pts-chip { height: 32px; padding: 0 11px; font-size: 12px; }

  /* iOS Safari zooms any focused input under 16px — hold the line at 16. */
  .landing-input, .date-input, .amount-input input, select, textarea { font-size: 16px; }
  .landing-input.code { font-size: 22px; }

  /* Dialogs read as bottom sheets on phones. */
  .modal-backdrop { align-items: flex-end; padding: 0; }
  .modal {
    width: 100%; max-height: 86vh;
    border-radius: 22px 22px 0 0; padding: 22px 18px;
    padding-bottom: calc(22px + env(safe-area-inset-bottom));
  }

  .landing { padding: 14px; }
  .landing-card { padding: 26px 20px 20px; }
  .btn.big { padding: 16px 18px; }
  .toast { bottom: calc(18px + env(safe-area-inset-bottom)); max-width: calc(100vw - 32px); text-align: center; }
  .cal-grid { gap: 2px; }
}

/* Fine-print consent block (auto-pay modal) */
.fineprint { margin: 14px 2px 0; color: var(--muted); font-size: 12px; line-height: 1.45; }
.fineprint strong { color: var(--ink); font-weight: 700; }
.fineprint ul { margin: 6px 0 8px; padding-left: 16px; display: grid; gap: 3px; }
.fineprint a { color: var(--rory-blue-deep); font-weight: 700; }

/* Sign-in: remember device + passkey affordances */
.remember-row { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--muted); margin: 4px 0 10px; cursor: pointer; }
.remember-row input { width: 16px; height: 16px; accent-color: var(--rory-blue); }
#login-passkey { margin-top: 10px; display: flex; align-items: center; justify-content: center; gap: 8px; }
#login-passkey .ic { width: 16px; height: 16px; }

/* ── v2 dashboard ──────────────────────────────────────────────────────────*/
.state-banner { display: flex; align-items: center; gap: 8px; border-radius: 12px; padding: 12px 16px; font-size: 13px; font-weight: 600; margin-bottom: 16px; }
.state-banner .ic { width: 16px; height: 16px; }
.state-banner.info { background: var(--rory-foam); color: var(--rory-blue-deep); }
.state-banner.ok { background: var(--success-soft); color: var(--success-deep); }
.state-banner.due, .state-banner.danger { background: var(--danger-soft); color: var(--danger-deep); }

.hero-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 24px 28px; margin-bottom: 12px; box-shadow: var(--shadow-card); }
.hero-identity { display: flex; align-items: center; gap: 16px; }
.car-thumb { width: 116px; flex: none; }
.car-thumb img { width: 100%; height: auto; display: block; }
.hero-id-col { flex: 1; min-width: 0; }
.hero-vehicle { font-size: 20px; font-weight: 600; letter-spacing: -0.01em; }
.hero-sub { color: var(--muted); font-size: 13px; margin-top: 2px; }
.payoff-chip { border: 1px solid var(--border); border-radius: 999px; padding: 8px 14px; font-size: 12px; font-weight: 600; white-space: nowrap; }
.hero-divider { height: 1px; background: var(--border-subtle); margin: 18px 0; }
.hero-stats { display: flex; gap: 40px; }
.hero-stat { flex: 1; display: flex; flex-direction: column; gap: 5px; }
.hero-stat .btn { margin-top: 8px; }
.stat-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); }
.stat-value { font-size: 34px; font-weight: 700; letter-spacing: -0.02em; line-height: 1; }
.stat-sub { font-size: 12px; color: var(--muted); }
.btn.tile { background: var(--rory-foam); border-color: var(--rory-foam); color: var(--rory-blue-deep); }
.btn.tile:hover { background: #dfe2ff; }
.loan-details { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px 40px; margin-top: 18px; }
.detail-item { display: flex; flex-direction: column; gap: 2px; }
.detail-k { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); }
.detail-v { font-size: 13.5px; font-weight: 600; }
.hero-foot { display: flex; align-items: center; justify-content: space-between; }
.autopay-line { display: flex; align-items: center; gap: 8px; font-size: 12.5px; color: var(--muted); }
.autopay-line .dot { width: 8px; height: 8px; border-radius: 999px; background: #cbd0e4; }
.autopay-line .dot.on { background: var(--success); }

.col-activity { flex: 6; min-width: 0; display: flex; flex-direction: column; gap: 12px; }
.col-rail { flex: 4; max-width: 380px; display: flex; flex-direction: column; gap: 12px; }
.row-card { flex-direction: row; align-items: center; gap: 12px; cursor: pointer; border-radius: var(--r-sm); padding: 12px 12px 12px 14px; }
.row-ico { color: var(--muted); }
.row-ico .ic { width: 20px; height: 20px; }
/* min-width: 0 lets the text column shrink inside the flex row — without it
   long titles/subs push past the card edge and get cut off on mobile. */
.row-info { flex: 1; min-width: 0; display: flex; flex-direction: column; }
.row-title { font-weight: 600; font-size: 13.5px; }
.row-sub { color: var(--muted); font-size: 11.5px; }
.row-chev { width: 16px; height: 16px; color: var(--muted); }
.portal-foot { color: var(--muted); font-size: 11.5px; text-align: center; line-height: 1.45; margin: 20px auto 0; max-width: 640px; }
.portal-foot a { color: var(--rory-blue-deep); font-weight: 600; }

.payoff-row { display: flex; align-items: center; gap: 16px; }
.payoff-donut { width: 84px; height: 84px; border-radius: 999px; flex: none; display: flex; align-items: center; justify-content: center; }
.donut-hole { width: 62px; height: 62px; background: var(--surface); border-radius: 999px; display: flex; align-items: center; justify-content: center; }
.donut-pct { font-size: 17px; font-weight: 700; }
.payoff-legend { display: flex; flex-direction: column; gap: 7px; font-size: 11.5px; color: var(--muted); }
.legend-item { display: flex; align-items: center; gap: 7px; }
.legend-item strong { color: var(--ink); }
.legend-item .dot { width: 8px; height: 8px; border-radius: 999px; }
.legend-item .dot.brand { background: var(--rory-blue); }
.legend-item .dot.faint { background: var(--border-subtle); }
.legend-item .dot.none { background: transparent; }
.pts-note { font-size: 11.5px; font-weight: 700; color: var(--success-deep); }
.streak-grid.compact .cell { width: 11px; height: 11px; }
.rewards-card { background: var(--rory-foam); border-color: var(--rory-foam); }
.rewards-card h2.deep { color: var(--rory-blue-deep); }
.rewards-bal { display: flex; align-items: center; gap: 8px; font-size: 22px; font-weight: 700; }
.rewards-bal .ic { width: 18px; height: 18px; color: var(--rory-blue-deep); }

/* ── v2 full-page views (Rewards, Activity) ────────────────────────────────*/
.back-link { display: inline-flex; align-items: center; gap: 4px; color: var(--muted); font-weight: 600; margin-bottom: 8px; }
.back-link .ic { width: 15px; height: 15px; }
/* Page views are stacked sections — the column gap is the rhythm between
   cards (rows inside a card manage their own spacing). */
#page-view { display: flex; flex-direction: column; gap: 16px; align-items: stretch; }
#page-view > * { margin-top: 0; margin-bottom: 0; }

.page-title { font-size: 26px; font-weight: 700; margin: 4px 0 4px; }
.page-sub { color: var(--muted); font-size: 13.5px; margin: 0 0 18px; }
.section-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--muted); margin: 20px 2px 8px; }

.rewards-hero { background: var(--rory-foam); border-radius: var(--r-lg); padding: 24px; text-align: center; }
.rewards-hero-bal { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: 32px; font-weight: 700; }
.rewards-hero-bal .ic { width: 22px; height: 22px; color: var(--rory-blue-deep); }
.rewards-hero .progress { margin: 12px 0; }
.rewards-hero .btn { margin-top: 12px; }

.list-card { padding: 4px 20px; }
.list-row { display: flex; align-items: center; gap: 12px; width: 100%; border: 0; background: none; padding: 14px 0; font: inherit; text-align: left; cursor: pointer; border-top: 1px solid var(--border-subtle); }
.list-card .list-row:first-child { border-top: 0; }
.list-row.static { cursor: default; }
.list-row[disabled] { opacity: 0.5; cursor: not-allowed; }
.list-ico { width: 36px; height: 36px; border-radius: 999px; background: var(--rory-foam); color: var(--rory-blue-deep); display: flex; align-items: center; justify-content: center; flex: none; }
.list-ico .ic { width: 17px; height: 17px; }
.list-info { flex: 1; display: flex; flex-direction: column; min-width: 0; }
.list-title { font-weight: 600; font-size: 13.5px; }
.list-sub { color: var(--muted); font-size: 11.5px; }
.pts-pill { background: var(--success-soft); color: var(--success-deep); border-radius: 999px; padding: 4px 10px; font-size: 11px; font-weight: 700; white-space: nowrap; }

.upcoming-card { display: flex; flex-direction: column; gap: 12px; }
.upcoming-head { display: flex; align-items: center; gap: 12px; }
.upcoming-info { display: flex; flex-direction: column; }
.upcoming-amt { font-size: 22px; font-weight: 700; }
.upcoming-actions { display: flex; gap: 10px; }
.upcoming-actions .btn { flex: 1; }
.btn.danger-soft { background: var(--danger-soft); border-color: var(--danger-soft); color: var(--danger-deep); }

.filter-chips { display: flex; gap: 8px; margin: 16px 0; flex-wrap: wrap; }
/* Moov's field-level card iframe, embedded in our add-card modal. */
moov-card-link { display: block; margin: 6px 0 12px; }

.streak-count { margin: 0 0 10px; font-size: 13.5px; color: var(--muted); }
.streak-count strong { font-size: 20px; font-weight: 700; color: var(--ink); margin-right: 4px; }

.inbox-row.linked { cursor: pointer; }
.inbox-row.linked:hover .inbox-title { color: var(--rory-blue); }

/* Add-method chooser: one tappable option card per method. */
.method-option {
  display: flex; align-items: center; gap: 12px; width: 100%;
  padding: 14px 16px; margin-top: 10px; text-align: left;
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--r-md); cursor: pointer; font: inherit; color: inherit;
}
.method-option:hover { border-color: var(--rory-blue); }
.method-option .row-sub { display: block; }
.chip { border: 1px solid var(--border); background: var(--surface); border-radius: 999px; padding: 8px 14px; font: inherit; font-size: 12px; font-weight: 600; color: var(--ink); cursor: pointer; }
.chip:hover { border-color: var(--rory-blue); }
.chip.active { background: var(--rory-blue); border-color: var(--rory-blue); color: #fff; }

/* ── Onboarding: create-account + landing legal ────────────────────────────*/
.found-summary { background: var(--bg); border-radius: var(--r-sm); padding: 4px 14px; margin-bottom: 12px; }
.found-row { display: flex; justify-content: space-between; padding: 9px 0; font-size: 12.5px; border-top: 1px solid var(--border-subtle); }
.found-row:first-child { border-top: 0; }
.found-row span:first-child { color: var(--muted); }
.found-row span:last-child { font-weight: 600; }
.consent-row { display: flex; align-items: flex-start; gap: 10px; font-size: 12.5px; color: var(--ink); text-align: left; margin: 8px 0; cursor: pointer; }
.consent-row input { width: 18px; height: 18px; margin-top: 1px; accent-color: var(--rory-blue); flex: none; }
.consent-row a { color: var(--rory-blue-deep); font-weight: 600; }
.landing-legal { display: flex; flex-direction: column; align-items: center; gap: 4px; font-size: 11px; color: var(--muted); text-align: center; max-width: 400px; }
.landing-legal a { color: var(--muted); text-decoration: underline; }
#login-create { margin-top: 10px; }

/* ── Full-page Make a payment ──────────────────────────────────────────────*/
.pay-form { display: flex; flex-direction: column; }
.pay-form .section-label { margin: 6px 2px 6px; }
.pay-form .section-label:first-child { margin-top: 0; }
.pay-when { display: flex; gap: 10px; }
.pay-when .pay-radio { flex: 1; }
.pay-radio { display: flex; align-items: center; gap: 10px; border: 1.5px solid var(--border); border-radius: var(--r-md); padding: 12px 14px; cursor: pointer; margin-bottom: 8px; }
.pay-radio:not(.static):hover { border-color: var(--rory-blue); }
.pay-radio.sel { border-color: var(--rory-blue); background: var(--rory-foam); }
.pay-radio.static { cursor: default; }
.pay-radio .radio { width: 18px; height: 18px; border-radius: 999px; border: 1.5px solid #b4b9cd; flex: none; }
.pay-radio.sel .radio { border-color: var(--rory-blue); border-width: 5px; }
.pr-info { flex: 1; display: flex; flex-direction: column; min-width: 0; }
.pr-title { font-weight: 600; font-size: 13.5px; }
.pr-sub { color: var(--muted); font-size: 11.5px; }
.amount-input.mini { font-size: 15px; padding: 6px 10px; margin: 0; }
.amount-input.mini input { width: 90px; }
.fee-note.center { text-align: center; }
#pay-pick { align-self: flex-start; margin: 2px 0 6px; }

/* ── Review + confirmation pages ───────────────────────────────────────────*/
.review-card { display: flex; flex-direction: column; }
.review-card .confirm-row { display: flex; justify-content: space-between; padding: 11px 0; font-size: 13px; border-top: 1px solid var(--border-subtle); border-bottom: 0; }
.review-card .confirm-row:first-child { border-top: 0; }
.review-card .confirm-row .v { font-weight: 600; }
.review-card .confirm-row.total { font-weight: 700; font-size: 14px; }
.review-card .confirm-row.total .v { font-weight: 700; }
.review-card .fee-note { margin: 12px 0; }
.center-link { align-self: center; margin-top: 10px; }
.page-title.center, .page-sub.center { text-align: center; }
.confirm-page { display: flex; flex-direction: column; align-items: center; gap: 12px; max-width: 460px; margin: 40px auto 0; text-align: center; }
.confirm-check { width: 64px; height: 64px; border-radius: 999px; background: var(--success-soft); color: var(--success-deep); display: flex; align-items: center; justify-content: center; }
.confirm-check .ic { width: 30px; height: 30px; }
.pts-pill.big-pill { display: inline-flex; align-items: center; gap: 6px; background: var(--success-soft); color: var(--success-deep); border-radius: 999px; padding: 7px 14px; font-size: 12.5px; font-weight: 700; }
.pts-pill.big-pill .ic { width: 15px; height: 15px; }

/* ── Documents & statements page (608:272) ─────────────────────────────────*/
.doc-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 16px; }
.doc-head .payoff-chip { white-space: nowrap; margin-top: 6px; }
.paperless { margin-bottom: 18px; }
.row-ico.leaf { width: 40px; height: 40px; border-radius: 999px; background: var(--success-soft); color: var(--success-deep); display: flex; align-items: center; justify-content: center; }
.doc-layout { display: flex; gap: 24px; align-items: flex-start; }
.doc-rail { flex: none; width: 220px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 8px; display: flex; flex-direction: column; gap: 2px; }
.doc-cat { display: flex; align-items: center; gap: 10px; border: 0; background: none; padding: 11px 12px; border-radius: 10px; font: inherit; font-weight: 600; font-size: 13.5px; color: var(--ink); cursor: pointer; text-align: left; }
.doc-cat:hover { background: var(--bg); }
.doc-cat.active { background: var(--rory-foam); color: var(--rory-blue-deep); }
.doc-cat-ico { display: flex; }
.doc-cat-ico .ic { width: 17px; height: 17px; }
.doc-main { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 16px; }
.year-chip { border: 1px solid var(--border); border-radius: 999px; padding: 5px 12px; font-size: 12px; font-weight: 600; }
.doc-cols { display: grid; grid-template-columns: 130px 1fr 140px; font-size: 10.5px; font-weight: 700; letter-spacing: 0.05em; color: var(--muted); padding: 6px 0; }
.doc-cols .right { text-align: right; }
.doc-list { display: flex; flex-direction: column; }
.doc-row { display: grid; grid-template-columns: 130px 1fr 140px; align-items: center; padding: 13px 0; border-top: 1px solid var(--border-subtle); font-size: 13px; }
.doc-date { color: var(--muted); }
.doc-name { font-weight: 600; }
.doc-meta { color: var(--muted); font-weight: 500; font-size: 11.5px; margin-left: 6px; }
.doc-actions { display: flex; gap: 14px; justify-content: flex-end; }
.doc-actions .link-btn { font-size: 13px; padding: 0; }
.portal-foot.left { text-align: left; }

/* ── Payment accounts page (577:272) ───────────────────────────────────────*/
.acct-table { padding: 8px 20px; }
.acct-cols, .acct-row { display: grid; grid-template-columns: 130px 1.4fr 100px 110px 120px 140px; align-items: center; gap: 10px; }
.acct-cols { font-size: 10.5px; font-weight: 700; letter-spacing: 0.05em; color: var(--muted); padding: 10px 0; }
.acct-row { padding: 14px 0; border-top: 1px solid var(--border-subtle); font-size: 13px; }
.acct-inst { font-weight: 700; }
.acct-actions { display: flex; gap: 12px; align-items: center; color: var(--muted); font-size: 12px; }
.acct-actions .link-btn { font-size: 12.5px; padding: 0; }
.acct-actions .link-btn[disabled] { color: var(--muted); cursor: default; opacity: 0.5; }

/* ── Expandable payment rows + status colors ───────────────────────────────*/
.pay-item { border-top: 1px solid var(--border-subtle); }
.pay-item:first-child { border-top: 0; }
.pay-row.expandable { width: 100%; border: 0; background: none; font: inherit; text-align: left; cursor: pointer; padding: 13px 0; display: flex; align-items: center; gap: 12px; }
.pay-ico { width: 34px; height: 34px; border-radius: 999px; display: flex; align-items: center; justify-content: center; flex: none; }
.pay-ico .ic { width: 16px; height: 16px; }
.pay-ico.done { background: var(--success-soft); color: var(--success-deep); }
.pay-ico.pending { background: var(--rory-foam); color: var(--rory-blue-deep); }
.pay-ico.returned { background: var(--danger-soft); color: var(--danger-deep); }
.pay-ico.next { background: var(--rory-foam); color: var(--rory-blue-deep); }
.exp-chev { width: 16px; height: 16px; color: var(--muted); transition: transform 0.15s; }
.pay-row.open .exp-chev { transform: rotate(180deg); }
.pill.returned { background: var(--danger-soft); color: var(--danger-deep); }
.pay-detail { padding: 4px 0 16px 46px; }
.pd-grid { display: flex; gap: 32px; flex-wrap: wrap; }
.pd-timeline { display: flex; flex-direction: column; gap: 14px; }
.pd-step { position: relative; display: flex; align-items: flex-start; gap: 10px; font-size: 12.5px; color: var(--muted); }
.pd-step.done { color: var(--ink); font-weight: 600; }
.pd-dot { position: relative; width: 11px; height: 11px; margin-top: 1px; border-radius: 999px; border: 1.5px solid var(--border); background: var(--surface); flex: none; z-index: 1; }
/* lineage: a line linking each step to the next, colored once the step posts */
.pd-step:not(:last-child) .pd-dot::after { content: ""; position: absolute; left: 50%; top: 11px; transform: translateX(-50%); width: 2px; height: 24px; background: var(--border); }
.pd-step.done:not(:last-child) .pd-dot::after { background: var(--success); }
.pd-step.done .pd-dot { background: var(--success); border-color: var(--success); }
.pd-step.now .pd-dot { background: var(--warning); border-color: var(--warning); }
.pd-step.now:not(:last-child) .pd-dot::after { background: linear-gradient(to bottom, var(--warning), var(--border)); }
.pd-step.bad .pd-dot { background: var(--danger); border-color: var(--danger); }
.pd-facts { flex: 1; min-width: 220px; display: flex; flex-direction: column; gap: 6px; }
.pd-kv { display: flex; justify-content: space-between; font-size: 12.5px; }
.pd-kv span:first-child { color: var(--muted); }
.pd-kv span:last-child { font-weight: 600; }
.pay-detail .link-btn { padding: 8px 0 0; font-size: 12.5px; }

/* ── Document viewer (typeset paper) ───────────────────────────────────────*/
.doc-view-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.paper { max-width: 640px; margin: 0 auto; padding: 32px 36px; gap: 8px; box-shadow: 0 4px 20px rgba(10,16,41,.06); }
.paper-brand { display: flex; align-items: center; gap: 10px; font-size: 15px; margin-bottom: 8px; }
.paper-mark { width: 30px; height: 30px; border-radius: 8px; background: var(--tenant-brand); color: #fff; font-weight: 700; font-size: 12px; display: flex; align-items: center; justify-content: center; }
.paper h3 { margin: 6px 0 2px; font-size: 18px; font-weight: 700; }
.paper-sub { color: var(--muted); font-size: 12.5px; margin: 0 0 10px; }
.paper hr { border: 0; border-top: 1px solid var(--border-subtle); margin: 8px 0; }
.paper-kv { display: flex; justify-content: space-between; padding: 5px 0; font-size: 13px; }
.paper-kv span:first-child { color: var(--muted); }
.paper-kv span:last-child { font-weight: 600; }
.paper-para { font-size: 13.5px; line-height: 1.6; margin: 8px 0; }
.paper-note { font-size: 11.5px; color: var(--muted); line-height: 1.45; margin-top: 10px; }
.paper-foot { font-size: 11px; color: var(--muted); margin-top: 16px; border-top: 1px solid var(--border-subtle); padding-top: 12px; }
@media print {
  .topbar, .back-link, .doc-view-head .btn, #toast { display: none !important; }
  body, .page { background: #fff; }
  .paper { box-shadow: none; border: 0; }
}
/* Tighter rewards rail card: title + balance share the head row, so the
   card is three compact lines instead of a stretched stack. */
.rewards-card { gap: 6px; }
.rewards-card .btn { margin-top: 6px; }
.rewards-card .rewards-bal { font-size: 16px; }
.rewards-card .rewards-bal .ic { width: 15px; height: 15px; }
/* Clickable home lockup */
.lockup { cursor: pointer; }

/* Create-account claim tabs (Figma 580:295) */
.claim-tabs { display: flex; gap: 4px; background: var(--bg); border-radius: 999px; padding: 4px; margin-bottom: 10px; }
.claim-tab { flex: 1; border: 0; background: none; border-radius: 999px; padding: 8px 6px; font: inherit; font-size: 12px; font-weight: 600; color: var(--muted); cursor: pointer; }
.claim-tab:hover { color: var(--ink); }
.claim-tab.active { background: var(--surface); color: var(--ink); box-shadow: 0 1px 3px rgba(10,16,41,.1); }
#claim-help { margin: 8px 0 4px; }

/* ── Security & passkeys page ──────────────────────────────────────────────*/
.sec-list { display: flex; flex-direction: column; }
.sec-row { display: flex; align-items: center; gap: 12px; padding: 13px 0; border-top: 1px solid var(--border-subtle); }
.sec-list .sec-row:first-child { border-top: 0; }
.sec-ico { width: 36px; height: 36px; border-radius: 999px; background: var(--rory-foam); color: var(--rory-blue-deep); display: flex; align-items: center; justify-content: center; flex: none; }
.sec-ico .ic { width: 17px; height: 17px; }
.sec-info { flex: 1; display: flex; flex-direction: column; min-width: 0; }
.sec-title { font-weight: 600; font-size: 13.5px; }
.sec-sub { color: var(--muted); font-size: 11.5px; }
.danger-link { color: var(--danger-deep); }

/* Landing secondary hierarchy */
.muted-link { display: block; margin: 14px auto 0; color: var(--muted); font-size: 12.5px; }
#landing-alt #login-create { margin-bottom: 10px; }

/* ── Tablet / stacked layout (≤860px) ──────────────────────────────────────*/
@media (max-width: 860px) {
  .columns { flex-direction: column; }
  .loan-head { flex-direction: column; align-items: flex-start; }

  .col-rail { max-width: none; }
  .hero-stats { flex-direction: column; gap: 18px; }
  /* Identity stacks: car + name on the first line, payoff chip on its own
     full-width line so the vehicle name never gets crushed to one word/line. */
  .hero-identity { flex-wrap: wrap; align-items: flex-start; gap: 14px; }
  .hero-id-col { min-width: 150px; }
  .payoff-chip { order: 3; flex-basis: 100%; text-align: center; white-space: normal; }
  .loan-details { grid-template-columns: repeat(2, 1fr); }

  /* One primary action on mobile ("Make a payment"); the rest move into the
     ⋮ menu so the card isn't a stack of five buttons. */
  .hero-card { position: relative; }
  .hero-more-wrap { display: block; position: absolute; top: 12px; right: 12px; z-index: 6; }
  .hero-more { width: 34px; height: 34px; background: var(--border-subtle); }
  .hero-identity { padding-right: 40px; }
  #hero-menu { top: 42px; }
  #autopay-cta, #details-btn, .hero-foot { display: none; }

  .doc-layout { flex-direction: column; }
  .doc-rail { width: 100%; flex-direction: row; overflow-x: auto; }
  .acct-cols { display: none; }
  .acct-row { grid-template-columns: 1fr 1fr; gap: 4px 10px; }
}
/* the ⋮ hero menu is mobile-only. NOTE: kept AFTER the 860px block on purpose
   — it was after that block before the media queries were merged, so by
   source order this display:none wins at every width (unchanged behavior). */
.hero-more-wrap { display: none; }


/* ── v4 (Sept 2026): hero line, quick actions, soft card, snapshot, setup,
   step pages, Concierge, Rewards. Tokens per docs/app-v4-migration.md 5b. ── */
.hero-v4 { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; }
.hero-due { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.hero-line { display: flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 500; }
.hero-line .ic { width: 14px; height: 14px; }
.hero-line.muted { color: var(--ink2); }
.hero-line.ink { color: var(--ink); font-weight: 600; }
.hero-line.red { color: var(--danger-deep); font-weight: 600; }
.hero-line.green { color: var(--success-deep); font-weight: 600; }
.grace-bar { position: relative; width: 220px; height: 4px; border-radius: 999px; background: var(--danger-soft); margin-top: 6px; }
.grace-bar .grace-fill { height: 100%; border-radius: 999px; background: var(--danger); }
.grace-bar .grace-label { position: absolute; top: 8px; left: 0; font-size: 11px; color: var(--muted); white-space: nowrap; }
.quick-actions { display: flex; gap: 10px; flex: none; }
.qa { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px; width: 118px; padding: 14px 8px 12px; border: 0; border-radius: var(--r-md); background: var(--surface); color: var(--ink2); font: inherit; font-size: 11px; font-weight: 600; cursor: pointer; box-shadow: var(--shadow-card); }
.qa .ic { width: 22px; height: 22px; color: var(--rory-blue-deep); }
.qa:hover { background: var(--rory-foam); }
.qa.primary { background: var(--rory-blue); color: #fff; box-shadow: 0 8px 20px -4px rgba(46, 61, 255, 0.35); }
.qa.primary .ic { color: #fff; }
.qa.primary:hover { background: var(--rory-blue-deep); }
.hero-foot { gap: 14px; }

.soft-card { display: flex; align-items: center; gap: 14px; background: var(--soft-card); border: 1px solid var(--border); border-radius: var(--r-soft); padding: 16px; margin-bottom: 12px; }
.soft-card.danger { background: var(--danger-soft); border-color: color-mix(in srgb, var(--danger) 30%, transparent); }
.soft-ico { width: 44px; height: 44px; border-radius: 50%; background: var(--surface); color: var(--rory-blue); display: flex; align-items: center; justify-content: center; flex: none; }
.soft-card.danger .soft-ico { color: var(--danger-deep); }
.soft-ico .ic { width: 20px; height: 20px; }
.soft-body { display: flex; flex-direction: column; gap: 4px; min-width: 0; }
.soft-title { font-size: 15px; font-weight: 600; }
.soft-body p { margin: 0; font-size: 12.5px; line-height: 17px; color: var(--ink2); }
.btn.soft-pill { align-self: flex-start; margin-top: 4px; padding: 7px 12px; font-size: 12.5px; font-weight: 600; color: var(--rory-blue-deep); background: var(--surface); border-color: var(--border); box-shadow: none; }

.snapshot { border-radius: var(--r-lg); box-shadow: var(--shadow-lift); gap: 12px; }
.snapshot h2 { font-size: 14px; font-weight: 600; }
.snap-row { display: flex; align-items: center; gap: 16px; }
.ring { position: relative; width: 96px; height: 96px; border-radius: 50%; flex: none; display: flex; align-items: center; justify-content: center; background: conic-gradient(from 225deg, var(--rory-blue) 0deg var(--deg, 150deg), var(--border-subtle) var(--deg, 150deg) 270deg, transparent 270deg 360deg); }
.ring-hole { width: 76px; height: 76px; border-radius: 50%; background: var(--surface); display: flex; flex-direction: column; align-items: center; justify-content: center; }
.ring-pct { font-size: 22px; font-weight: 700; letter-spacing: -0.01em; line-height: 1; }
.ring-sub { font-size: 10px; color: var(--muted); letter-spacing: 0.09em; margin-top: 3px; }
.facts { flex: 1; display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.fact { display: flex; justify-content: space-between; gap: 8px; font-size: 12.5px; color: var(--muted); font-weight: 500; }
.fact strong { color: var(--ink); font-size: 13.5px; font-weight: 700; }
.pay-ahead-row { display: flex; align-items: center; gap: 8px; width: 100%; border: 0; background: var(--rory-foam); color: var(--rory-blue-deep); border-radius: var(--r-xs); padding: 11px 10px 11px 12px; font: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-align: left; }
.pay-ahead-row span { flex: 1; }
.pay-ahead-row .ic { width: 14px; height: 14px; }
.pay-ahead-row:hover { background: #dfe2ff; }

/* Activity rows (v4): date leads, type and source under it, pill or pts right. */
.pay-row.v4 { padding: 10px 0; gap: 10px; align-items: center; }
.pay-row.v4 .pay-label > span:first-child { font-size: 13px; font-weight: 600; }
.pay-row.v4.upcoming .pay-label, .pay-row.v4.upcoming .pay-amount { opacity: 0.8; }
.pay-row.v4 .pay-amount { font-size: 13px; font-weight: 600; }
.btn.tile.view-all { align-self: center; padding: 9px 18px; font-size: 13px; font-weight: 600; border-radius: 999px; margin-top: 2px; }

/* Setup panel */
.setup-panel { margin-bottom: 12px; gap: 10px; }
.setup-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.setup-head h2 { font-size: 21px; font-weight: 700; }
.setup-mark { width: 40px; height: 40px; border-radius: var(--r-xs); background: var(--rory-blue); display: flex; align-items: center; justify-content: center; flex: none; overflow: hidden; }
.setup-mark img { width: 100%; height: 100%; object-fit: cover; }
.setup-mark.big { width: 80px; height: 80px; border-radius: 20px; margin: 0 auto 8px; }
.progress.thin { height: 6px; margin: 0; }
.unlock-line { margin: 0; }
.setup-rows { display: flex; flex-direction: column; }
.setup-row { display: flex; align-items: flex-start; gap: 12px; padding: 12px 0; border-top: 1px solid var(--border-subtle); cursor: pointer; }
.setup-row:first-child { border-top: 0; }
.setup-row.locked { opacity: 0.55; cursor: default; }
.setup-row.next { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 14px; margin: 4px -14px; box-shadow: var(--shadow-card); }
.setup-row .check { width: 22px; height: 22px; border-radius: 50%; border: 1.5px solid var(--border); background: var(--surface); flex: none; display: flex; align-items: center; justify-content: center; color: #fff; margin-top: 1px; }
.setup-row .check .ic { width: 12px; height: 12px; stroke-width: 3; }
.setup-row.done .check, .check.done { background: var(--rory-blue); border-color: var(--rory-blue); }
.check.done { width: 22px; height: 22px; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; flex: none; }
.check.done .ic { width: 12px; height: 12px; stroke-width: 3; }
.setup-info { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 2px; }
.setup-title { font-size: 13.5px; font-weight: 600; }
.setup-row.done .setup-title { color: var(--muted); }
.setup-sub { font-size: 11.5px; color: var(--muted); }
.setup-explain { margin: 6px 0 8px; font-size: 12.5px; color: var(--ink2); line-height: 1.45; }
.btn.sm { padding: 7px 14px; font-size: 13px; font-weight: 600; align-self: flex-start; }
.pts-pill { background: var(--success-soft); color: var(--success-deep); border-radius: 999px; padding: 3px 10px; font-size: 11px; font-weight: 600; white-space: nowrap; flex: none; }
.pts-pill.brand { background: var(--rory-foam); color: var(--rory-blue-deep); }

/* Step pages */
.step-top { display: flex; align-items: center; justify-content: space-between; gap: 10px; }
.step-top .back-link { margin: 0; }
.btn.pill-sm { padding: 6px 12px; font-size: 12.5px; font-weight: 600; color: var(--rory-blue-deep); box-shadow: var(--shadow-card); }
.btn.pill-sm .ic { width: 13px; height: 13px; }
.step-bar { display: flex; gap: 6px; }
.step-bar span { flex: 1; height: 4px; border-radius: 999px; background: var(--rory-foam); }
.step-bar span.done { background: var(--rory-blue); }
.step-bar span.cur { background: color-mix(in srgb, var(--rory-blue) 50%, var(--rory-foam)); }
.step-body { max-width: 560px; display: flex; flex-direction: column; gap: 12px; }
.step-body .page-title { font-size: 26px; line-height: 31px; margin: 8px 0 0; }
.step-body .page-sub { font-size: 14px; line-height: 20px; color: var(--ink2); margin: 0 0 6px; }
.step-note { display: flex; align-items: center; gap: 10px; margin-top: 2px; }
.field-label { display: block; font-size: 11px; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; color: var(--muted); margin: 4px 0 6px; }
.option-card { display: flex; align-items: center; gap: 12px; width: 100%; text-align: left; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-sm); padding: 14px 16px; font: inherit; color: inherit; cursor: pointer; box-shadow: var(--shadow-card); }
.option-card.sel { border: 2px solid var(--rory-blue); box-shadow: none; }
.option-card .radio { width: 18px; height: 18px; border-radius: 50%; border: 1.5px solid #b4b9cd; flex: none; }
.option-card.sel .radio { border: 5px solid var(--rory-blue); }
.option-card .pr-title { font-size: 14.5px; }
.facts-card { padding: 4px 14px; }
.chip-row { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 8px; }
.chip.soft { background: var(--rory-foam); border-color: var(--rory-foam); color: var(--rory-blue-deep); font-size: 11.5px; padding: 6px 10px; }
.effect-line { margin: 0 0 6px; background: var(--rory-foam); color: var(--rory-blue-deep); border-radius: var(--r-xs); padding: 10px 12px; font-size: 12.5px; font-weight: 600; }
.consent-card { background: var(--rory-foam); border-radius: var(--r-xs); padding: 12px; }
.upload-target { display: flex; align-items: center; gap: 12px; border: 1.5px dashed var(--rory-blue-deep); border-radius: var(--r-soft); padding: 16px; cursor: pointer; background: var(--surface); }
.upload-ico { width: 44px; height: 44px; border-radius: 50%; background: var(--rory-foam); color: var(--rory-blue-deep); display: flex; align-items: center; justify-content: center; flex: none; }
.lien-card { gap: 8px; }
.lien-block { background: var(--input); border-radius: var(--r-xs); padding: 12px 14px; font-size: 13px; font-weight: 600; line-height: 1.5; }
.addr-card { flex-direction: row; align-items: center; gap: 12px; }
.muted-link { color: var(--muted); font-size: 12.5px; font-weight: 500; }

/* Welcome (Your loan is here) */
.welcome { max-width: 520px; display: flex; flex-direction: column; gap: 12px; }
.lockup-row { display: flex; align-items: center; gap: 8px; }
.fi-mark.small { width: 22px; height: 22px; font-size: 10px; border-radius: 6px; }
.rory-mini { width: 22px; height: 22px; border-radius: 6px; }
.welcome-card { border-radius: var(--r-lg); box-shadow: var(--shadow-lift); gap: 6px; }
.welcome-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.welcome-car { width: 115px; height: 60px; object-fit: contain; }
.welcome-bal { font-size: 30px; font-weight: 700; letter-spacing: -0.02em; margin-top: 6px; }
.welcome .confirm-row { border-bottom: 0; border-top: 1px solid var(--border-subtle); padding: 10px 0; }

/* Celebration */
.confirm-page.celebrate .list-row { gap: 10px; }

/* Change a payment: day grid */
.day-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 6px; }
.day-grid .day { border: 1px solid var(--border); background: var(--surface); border-radius: 999px; height: 40px; font: inherit; font-size: 13px; font-weight: 600; cursor: pointer; color: var(--ink); }
.day-grid .day.sel { background: var(--rory-blue); border-color: var(--rory-blue); color: #fff; }
.modal .choice .ic { width: 16px; height: 16px; color: var(--muted); flex: none; }
.choice.static { cursor: default; opacity: 0.6; }
a.choice { text-decoration: none; color: inherit; }

/* Concierge */
.ask-card { gap: 10px; }
.ask-head { display: flex; align-items: center; gap: 10px; }
.rory-mark { width: 36px; height: 36px; border-radius: 50%; background: var(--rory-blue); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 16px; flex: none; }
.rory-mark.sm { width: 26px; height: 26px; font-size: 12px; }
.ask-input { display: flex; align-items: center; gap: 8px; background: var(--input); border-radius: 999px; padding: 6px 6px 6px 14px; }
.ask-input input { flex: 1; border: 0; background: none; font: inherit; font-size: 13px; outline: none; min-width: 0; }
.ask-go { width: 30px; height: 30px; border-radius: 50%; border: 0; background: var(--rory-blue); color: #fff; display: flex; align-items: center; justify-content: center; cursor: pointer; }
.ask-go .ic { width: 14px; height: 14px; }
.ask-bubble { align-self: flex-end; background: var(--rory-foam); color: var(--rory-blue-deep); border-radius: 18px; padding: 10px 14px; font-size: 14px; font-weight: 600; margin: 6px 0; }
.ask-reply { display: flex; gap: 10px; align-items: flex-start; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 12px; }
.ask-reply p { margin: 0 0 8px; font-size: 14px; line-height: 1.45; }
.offer-chip { display: inline-flex; background: var(--rory-foam); color: var(--rory-blue-deep); border-radius: 999px; padding: 2px 7px; font-size: 9.5px; font-weight: 700; letter-spacing: 0.04em; width: fit-content; margin-bottom: 4px; }
.car-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.car-img { width: 128px; height: 70px; object-fit: contain; }
.value-card { border-radius: var(--r-lg); gap: 8px; }
.value-card.revealed { background: var(--rory-foam); border-color: var(--rory-foam); box-shadow: none; }
.value-big { font-size: 28px; font-weight: 700; letter-spacing: -0.02em; }
.range { position: relative; height: 24px; margin: 8px 0 2px; }
.range::before { content: ""; position: absolute; left: 0; right: 0; top: 10px; height: 4px; border-radius: 999px; background: #fff; }
.range-band { position: absolute; left: 20%; right: 20%; top: 10px; height: 4px; border-radius: 999px; background: color-mix(in srgb, var(--rory-blue) 35%, #fff); }
.range-dot { position: absolute; top: 6px; width: 12px; height: 12px; border-radius: 50%; transform: translateX(-50%); border: 2px solid #fff; }
.range-dot.owe { background: var(--ink); }
.range-dot.yours { background: var(--rory-blue); }
.range-labels { display: flex; justify-content: space-between; font-size: 11px; color: var(--muted); }

/* Rewards */
.points-card { background: var(--rory-blue); color: #fff; border-radius: var(--r-lg); padding: 18px; display: flex; flex-direction: column; gap: 10px; box-shadow: 0 10px 24px rgba(46, 61, 255, 0.3); }
.points-eyebrow { align-self: flex-start; background: rgba(255, 255, 255, 0.18); border-radius: 999px; padding: 3px 9px; font-size: 9px; font-weight: 700; letter-spacing: 0.08em; }
.points-big { font-size: 34px; font-weight: 700; letter-spacing: -0.02em; line-height: 1; }
.points-sub { font-size: 12.5px; color: rgba(255, 255, 255, 0.85); }
.points-bar { height: 4px; border-radius: 999px; background: rgba(255, 255, 255, 0.3); overflow: hidden; }
.points-bar div { height: 100%; background: #fff; border-radius: 999px; }
.points-next { font-size: 12px; font-weight: 500; }
.points-actions { display: flex; gap: 10px; }
.points-actions .btn { flex: 1; padding: 10px 14px; font-size: 13.5px; font-weight: 600; box-shadow: none; }
.btn.ghost-white { background: none; border-color: rgba(255, 255, 255, 0.6); color: #fff; }
.btn.ghost-white:hover { background: rgba(255, 255, 255, 0.12); }
.btn.white:disabled, .btn.ghost-white:disabled { opacity: 0.55; cursor: default; }
.section-head { display: flex; align-items: center; justify-content: space-between; margin-top: 4px; }
.offer-rail, .lesson-rail { display: flex; gap: 12px; overflow-x: auto; padding-bottom: 4px; scrollbar-width: none; }
.offer-rail::-webkit-scrollbar, .lesson-rail::-webkit-scrollbar { display: none; }
.offer-card { flex: 0 0 300px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 16px; display: flex; flex-direction: column; gap: 8px; box-shadow: var(--shadow-card); }
.offer-headline { font-size: 15.5px; font-weight: 600; line-height: 1.3; }
.offer-card .link { font-size: 12.5px; }
.lesson-card { flex: 0 0 150px; height: 150px; border: 0; border-radius: var(--r-md); background: var(--rory-blue); color: #fff; padding: 14px; display: flex; flex-direction: column; align-items: flex-start; justify-content: space-between; gap: 8px; font: inherit; text-align: left; cursor: pointer; }
.lesson-card.done { background: color-mix(in srgb, var(--rory-blue) 70%, #000); }
.lesson-title { font-size: 15px; font-weight: 600; line-height: 1.25; }
.lesson-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.lesson-chips span { display: inline-flex; align-items: center; gap: 4px; background: rgba(255, 255, 255, 0.2); border-radius: 999px; padding: 4px 8px; font-size: 10.5px; font-weight: 700; }
.lesson-chips span.white { background: #fff; color: var(--rory-blue-deep); }
.lesson-chips .ic { width: 10px; height: 10px; }
.lesson-body p { margin: 0 0 12px; font-size: 14.5px; line-height: 1.55; }
.lesson-body p:last-child { margin-bottom: 0; }

@media (max-width: 860px) {
  .hero-v4 { flex-direction: column; align-items: stretch; gap: 16px; }
  .quick-actions { display: flex; }
  .qa { flex: 1; width: auto; }
  #hero-menu [data-hero="autopay"], #hero-menu [data-hero="change"] { display: none; }
  .step-body { max-width: none; }
}