:root{--navy-900: #0a1a2f;--navy-800: #0f2440;--navy-700: #163353;--navy-600: #1e4870;--blue-500: #2f6fb0;--blue-400: #4a8bd0;--accent: #3b82c4;--accent-2: #6ba8dd;--ink: #10233b;--slate: #4a5b70;--line: #e2e8f1;--bg: #ffffff;--bg-soft: #f5f8fc;--bg-card: #ffffff;--gold: #c9a24b;--ok: #1f7a4d;--ok-bg: #e7f4ec;--warn: #8a6d1f;--warn-bg: #fbf3de;--bad: #a63b41;--bad-bg: #f9ebec;--serif: "Fraunces", Georgia, "Times New Roman", serif;--sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;--maxw: 620px;--radius: 10px;--shadow: 0 1px 2px rgba(16, 35, 59, .06), 0 12px 32px rgba(16, 35, 59, .08);font-family:var(--sans);color:var(--ink)}[data-theme=dark]{--ink: #eaf1fa;--slate: #a9bcd4;--line: #1e3350;--bg: #081525;--bg-soft: #0c1e33;--bg-card: #0f2540;--navy-900: #060f1c;--navy-800: #0a1a2f;--accent: #5a9be0;--accent-2: #7fb4ea;--shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 16px 40px rgba(0, 0, 0, .4);--ok: #4bbd85;--ok-bg: #10331f;--warn: #d8b24a;--warn-bg: #33290c;--bad: #e08289;--bad-bg: #34181b}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--sans);color:var(--ink);background:radial-gradient(900px 420px at 82% -12%,rgba(59,130,196,.14),transparent 60%),linear-gradient(180deg,var(--bg),var(--bg-soft));min-height:100vh;line-height:1.6;-webkit-font-smoothing:antialiased;font-size:17px}h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.01em}a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}.review-flag{background:color-mix(in srgb,var(--gold) 16%,var(--bg));border-bottom:1px solid color-mix(in srgb,var(--gold) 40%,var(--line));color:var(--ink);font-size:13px;text-align:center;padding:9px 20px}.review-flag strong{color:#8a6d1f}[data-theme=dark] .review-flag strong{color:var(--gold)}.wizard{max-width:var(--maxw);margin:0 auto;padding:24px 20px 72px}.wizard-header{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:22px}.brand{display:flex;align-items:center;gap:11px;font-family:var(--serif);font-size:19px;color:var(--ink);font-weight:600}.brand:hover{text-decoration:none}.mark{width:30px;height:30px;border-radius:6px;background:linear-gradient(150deg,var(--navy-700),var(--accent));display:grid;place-items:center;color:#fff;font-family:var(--serif);font-size:15px;font-weight:600;box-shadow:inset 0 0 0 1px #ffffff1f}.brand-logo{display:block;height:70px;width:auto}.brand-logo-dark,[data-theme=dark] .brand-logo-light{display:none}[data-theme=dark] 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22px;font-size:1.6rem;line-height:1.15}.field{margin-bottom:18px}.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px}.field input,.field select{width:100%;padding:11px 13px;font-family:var(--sans);font-size:1rem;color:var(--ink);border:1px solid var(--line);border-radius:8px;background:var(--bg);transition:border-color .15s ease,box-shadow .15s ease}.field input::placeholder{color:color-mix(in srgb,var(--slate) 70%,transparent)}.field input:focus,.field select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px color-mix(in srgb,var(--accent) 22%,transparent)}.field-check{display:flex;align-items:flex-start;gap:10px;font-size:.7rem;font-weight:500}.field-check input{width:auto;margin-top:4px;accent-color:var(--accent)}.field-help{margin:6px 0 0;font-size:.82rem;color:var(--slate)}.field-error,.form-error{margin:6px 0 0;font-size:.82rem;color:var(--bad)}.form-error{padding:10px 12px;border-radius:8px;background:var(--bad-bg);border:1px solid color-mix(in srgb,var(--bad) 35%,transparent)}.step-actions{display:flex;gap:12px;justify-content:flex-end;margin-top:26px}.btn-primary,.btn-secondary{font-family:var(--sans);padding:12px 22px;font-size:.95rem;font-weight:600;border-radius:8px;border:1px solid transparent;cursor:pointer;transition:transform .05s ease,box-shadow .2s ease,background .2s ease,border-color .2s ease}.btn-primary{background:var(--accent);color:#fff;box-shadow:0 6px 18px #3b82c447}.btn-primary:hover{background:var(--blue-500)}.btn-primary:active{transform:translateY(1px)}.btn-primary:disabled{opacity:.55;cursor:default;box-shadow:none}.btn-secondary{background:transparent;color:var(--ink);border-color:var(--line)}.btn-secondary:hover{border-color:var(--accent);color:var(--accent)}.btn-secondary:disabled{opacity:.55;cursor:default}.processing-lede{color:var(--slate);margin-top:0}.processing-steps{list-style:none;padding:0;margin:22px 0}.processing-step{display:flex;align-items:center;gap:12px;padding:12px 0;color:var(--slate);border-bottom:1px solid var(--line)}.processing-step:last-child{border-bottom:0}.processing-step.is-done{color:var(--ink)}.processing-step.is-active{color:var(--accent);font-weight:600}.processing-mark{width:20px;text-align:center}.processing-step.is-done .processing-mark{color:var(--ok)}.decision-badge{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;padding:5px 12px;border-radius:999px}.decision h2{margin:14px 0;font-size:1.5rem}.decision.is-approved .decision-badge{background:var(--ok-bg);color:var(--ok)}.decision.is-referred .decision-badge{background:var(--warn-bg);color:var(--warn)}.decision.is-declined .decision-badge{background:var(--bad-bg);color:var(--bad)}.decision-reasons{margin:14px 0 0;padding-left:20px}.decision-reasons li{margin-bottom:6px}.handoff p{color:var(--slate)}.wizard-foot{max-width:var(--maxw);margin:0 auto;padding:0 20px 40px;font-size:12px;line-height:1.6;color:var(--slate);text-align:center}.channels .field-help{margin-top:0}.channel-list{list-style:none;padding:0;margin:18px 0 0}.channel-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid var(--line)}.channel-row:last-child{border-bottom:0}.channel-name{font-weight:600}.channel-actions{display:flex;align-items:center;gap:12px}.channel-linked{color:var(--ok);font-weight:600;font-size:.9rem}.channel-remove{background:transparent;border:none;color:var(--slate);cursor:pointer;font-size:.9rem;line-height:1;padding:4px}.channel-remove:hover{color:var(--bad)}.btn-sm{padding:7px 14px;font-size:.85rem}.bank-connect{margin:22px 0 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