:root{--primary:#2563eb;--primary-dark:#1d4ed8;--primary-light:#dbeafe;--primary-muted:#eff6ff;--success:#16a34a;--success-light:#dcfce7;--error:#dc2626;--error-light:#fee2e2;--warning:#d97706;--warning-light:#fef3c7;--bg:#f8fafc;--surface:#fff;--border:#e2e8f0;--border-strong:#cbd5e1;--text:#1e293b;--text-secondary:#475569;--text-muted:#94a3b8;--shadow-sm:0 1px 2px rgba(0,0,0,.05);--shadow:0 1px 3px rgba(0,0,0,.1),0 1px 2px rgba(0,0,0,.06);--shadow-md:0 4px 6px rgba(0,0,0,.07),0 2px 4px rgba(0,0,0,.05);--radius:8px;--radius-lg:12px}*,:after,:before{box-sizing:border-box;margin:0;padding:0}html{font-size:16px;-webkit-font-smoothing:antialiased}body{font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,sans-serif;background:var(--bg);color:var(--text);line-height:1.6;min-height:100vh}.site-header{background:var(--surface);border-bottom:1px solid var(--border);padding:.875rem 1.5rem;position:-webkit-sticky;position:sticky;top:0;z-index:50;box-shadow:var(--shadow-sm)}.site-header-inner{max-width:900px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:1rem}.site-title{font-size:1rem;font-weight:600;color:var(--primary);white-space:nowrap}.phase-badge{font-size:.75rem;font-weight:500;color:var(--text-secondary);background:var(--bg);padding:.25rem .625rem;border-radius:999px;border:1px solid var(--border);white-space:nowrap}.progress-bar-container{background:var(--border);height:4px}.progress-bar-fill{height:100%;background:var(--primary);transition:width .4s ease}.phase-steps{justify-content:center;gap:0;padding:1rem 1.5rem 0;max-width:900px;margin:0 auto}.phase-step,.phase-steps{display:flex;align-items:center}.phase-step{gap:.5rem;flex:1 1}.phase-step-dot{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:600;flex-shrink:0;border:2px solid var(--border-strong);color:var(--text-muted);background:var(--surface)}.phase-step-dot.active{background:var(--primary);border-color:var(--primary);color:#fff}.phase-step-dot.done{background:var(--success);border-color:var(--success);color:#fff}.phase-step-label{font-size:.8rem;color:var(--text-muted);font-weight:500}.phase-step-label.active{color:var(--primary);font-weight:600}.phase-step-label.done{color:var(--success)}.phase-step-line{flex:1 1;height:2px;background:var(--border);margin:0 .25rem}.phase-step-line.done{background:var(--success)}.main-content{max-width:900px;margin:0 auto;padding:2rem 1.5rem 4rem}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.75rem;box-shadow:var(--shadow)}.card+.card{margin-top:1.25rem}.card-title{font-size:1.1rem;font-weight:600;color:var(--text);margin-bottom:.25rem}.card-subtitle{font-size:.875rem;color:var(--text-secondary);margin-bottom:1.25rem}.section-header{margin-bottom:1.5rem}.section-header h1{font-size:1.6rem;font-weight:700;color:var(--text);line-height:1.3}.section-header p{margin-top:.5rem;color:var(--text-secondary);font-size:.95rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.625rem 1.25rem;font-size:.9rem;font-weight:500;border-radius:var(--radius);border:none;cursor:pointer;transition:background .15s,opacity .15s,box-shadow .15s;text-decoration:none;white-space:nowrap}.btn-primary{background:var(--primary);color:#fff}.btn-primary:hover:not(:disabled){background:var(--primary-dark);box-shadow:var(--shadow)}.btn-secondary{background:var(--surface);color:var(--primary);border:1px solid var(--primary)}.btn-secondary:hover:not(:disabled){background:var(--primary-muted)}.btn-ghost{background:transparent;color:var(--text-secondary);border:1px solid var(--border-strong)}.btn-ghost:hover:not(:disabled){background:var(--bg)}.btn-success{background:var(--success);color:#fff}.btn-success:hover:not(:disabled){background:#15803d}.btn:disabled{opacity:.45;cursor:not-allowed}.btn-lg{padding:.75rem 1.75rem;font-size:1rem}.btn-sm{padding:.375rem .875rem;font-size:.8rem}.form-group{margin-bottom:1.5rem}.form-label{display:block;font-size:.875rem;font-weight:600;color:var(--text);margin-bottom:.5rem}.form-label .required{color:var(--error);margin-left:2px}.form-input{width:100%;padding:.625rem .875rem;border:1px solid var(--border-strong);border-radius:var(--radius);font-size:.9rem;color:var(--text);background:var(--surface);transition:border-color .15s,box-shadow .15s;outline:none}.form-input:focus{border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-light)}.form-input.error{border-color:var(--error)}.form-error{font-size:.8rem;color:var(--error);margin-top:.375rem}.radio-group{display:flex;flex-direction:column;gap:.5rem}.radio-group.horizontal{flex-direction:row;flex-wrap:wrap;gap:.5rem}.radio-option{display:flex;align-items:center;gap:.5rem;cursor:pointer;padding:.5rem .75rem;border-radius:var(--radius);border:1px solid var(--border);transition:border-color .15s,background .15s;font-size:.875rem;color:var(--text)}.radio-option:hover{border-color:var(--primary);background:var(--primary-muted)}.radio-option.selected{border-color:var(--primary);background:var(--primary-light);color:var(--primary-dark);font-weight:500}.radio-option input{accent-color:var(--primary);flex-shrink:0}.checkbox-group{display:flex;flex-direction:column;gap:.5rem}.checkbox-option{display:flex;align-items:center;gap:.5rem;cursor:pointer;padding:.5rem .75rem;border-radius:var(--radius);border:1px solid var(--border);transition:border-color .15s,background .15s;font-size:.875rem;color:var(--text)}.checkbox-option:hover{border-color:var(--primary);background:var(--primary-muted)}.checkbox-option.selected{border-color:var(--primary);background:var(--primary-light);color:var(--primary-dark);font-weight:500}.checkbox-option input{accent-color:var(--primary);flex-shrink:0}.decision-badge{display:inline-flex;align-items:center;gap:.5rem;padding:.75rem 1.5rem;border-radius:999px;font-size:1.1rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase}.decision-badge.approved{background:var(--success-light);color:var(--success);border:2px solid var(--success)}.decision-badge.rejected{background:var(--error-light);color:var(--error);border:2px solid var(--error)}.explanation-tabs{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:1rem}.explanation-tab{padding:.5rem 1rem;font-size:.85rem;font-weight:500;border-radius:var(--radius);border:1px solid var(--border-strong);background:var(--surface);color:var(--text-secondary);cursor:pointer;transition:all .15s;display:flex;align-items:center;gap:.375rem}.explanation-tab:hover{border-color:var(--primary);color:var(--primary);background:var(--primary-muted)}.explanation-tab.active{background:var(--primary);border-color:var(--primary);color:#fff}.explanation-tab .viewed-dot{width:6px;height:6px;border-radius:50%;background:var(--success);flex-shrink:0}.explanation-tab.active .viewed-dot{background:hsla(0,0%,100%,.7)}.feature-bar-list{display:flex;flex-direction:column;gap:.875rem}.feature-bar-item{display:grid;grid-template-columns:160px 1fr auto;align-items:center;grid-gap:.75rem;gap:.75rem}.feature-bar-name{font-size:.85rem;font-weight:500;color:var(--text);text-align:right}.feature-bar-track{position:relative;height:20px;background:var(--border);border-radius:4px;overflow:hidden}.feature-bar-fill{height:100%;border-radius:4px;transition:width .5s ease}.feature-bar-fill.positive{background:var(--success)}.feature-bar-fill.negative{background:var(--error)}.feature-bar-value{font-size:.8rem;font-weight:600;color:var(--text-secondary);white-space:nowrap}.chat-container{gap:0}.chat-container,.chat-messages{display:flex;flex-direction:column}.chat-messages{gap:.75rem;max-height:300px;overflow-y:auto;padding:1rem;border:1px solid var(--border);border-radius:var(--radius) var(--radius) 0 0;background:var(--bg)}.chat-message{display:flex;gap:.5rem;max-width:85%}.chat-message.user{align-self:flex-end;flex-direction:row-reverse}.chat-message-bubble{padding:.625rem .875rem;border-radius:12px;font-size:.875rem;line-height:1.5}.chat-message.user .chat-message-bubble{background:var(--primary);color:#fff;border-radius:12px 12px 4px 12px}.chat-message.assistant .chat-message-bubble{background:var(--surface);color:var(--text);border:1px solid var(--border);border-radius:12px 12px 12px 4px}.chat-input-row{display:flex;border:1px solid var(--border);border-top:none;border-radius:0 0 var(--radius) var(--radius);overflow:hidden}.chat-input{flex:1 1;padding:.75rem 1rem;outline:none;font-family:inherit;resize:none;background:var(--surface);color:var(--text)}.chat-input,.chat-send-btn{border:none;font-size:.875rem}.chat-send-btn{padding:.75rem 1.25rem;background:var(--primary);color:#fff;cursor:pointer;font-weight:500;transition:background .15s;white-space:nowrap}.chat-send-btn:hover:not(:disabled){background:var(--primary-dark)}.chat-send-btn:disabled{opacity:.5;cursor:not-allowed}.chat-placeholder{text-align:center;color:var(--text-muted);font-size:.85rem;padding:1.5rem}.likert-scale{display:flex;flex-direction:column;gap:.5rem}.likert-labels{display:flex;justify-content:space-between;font-size:.75rem;color:var(--text-muted);padding:0 .25rem}.likert-options{display:flex;gap:.375rem}.likert-option{flex:1 1;display:flex;flex-direction:column;align-items:center;gap:.25rem;cursor:pointer}.likert-option input{display:none}.likert-btn{width:100%;padding:.5rem 0;border:2px solid var(--border-strong);border-radius:var(--radius);background:var(--surface);color:var(--text-secondary);font-size:.85rem;font-weight:600;cursor:pointer;transition:all .15s;text-align:center}.likert-btn:hover{border-color:var(--primary);background:var(--primary-muted);color:var(--primary)}.likert-option.selected .likert-btn{background:var(--primary);border-color:var(--primary);color:#fff}.rule-list{display:flex;flex-direction:column;gap:.625rem}.rule-item{display:flex;align-items:center;gap:.75rem;padding:.625rem .875rem;border-radius:var(--radius);font-size:.875rem}.rule-item.pass{background:var(--success-light);border:1px solid #bbf7d0}.rule-item.fail{background:var(--error-light);border:1px solid #fecaca}.rule-icon{font-size:1rem;flex-shrink:0}.rule-text{flex:1 1}.rule-label{font-weight:500;color:var(--text)}.rule-threshold{color:var(--text-secondary);font-size:.8rem}.rule-actual{font-weight:600;white-space:nowrap}.example-cases{display:flex;flex-direction:column;gap:1rem}.example-group-title{font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.5rem}.example-group-title.approved{color:var(--success)}.example-group-title.rejected{color:var(--error)}.example-table{width:100%;border-collapse:collapse;font-size:.85rem}.example-table th{text-align:left;padding:.4rem .625rem;font-size:.75rem;text-transform:uppercase;letter-spacing:.04em;color:var(--text-muted)}.example-table td,.example-table th{border-bottom:1px solid var(--border)}.example-table td{padding:.5rem .625rem;color:var(--text)}.example-table tr:last-child td{border-bottom:none}.outcome-badge{display:inline-block;padding:.125rem .5rem;border-radius:999px;font-size:.75rem;font-weight:600}.outcome-badge.approved{background:var(--success-light);color:var(--success)}.outcome-badge.rejected{background:var(--error-light);color:var(--error)}.nav-footer{padding:1.25rem 1.5rem;background:var(--surface);border-top:1px solid var(--border);position:-webkit-sticky;position:sticky;bottom:0;margin-top:2rem}.nav-footer,.nav-footer-inner{display:flex;justify-content:space-between;align-items:center}.nav-footer-inner{max-width:900px;margin:0 auto;width:100%}.divider{height:1px;background:var(--border);margin:1.5rem 0}.alert{padding:.875rem 1rem;border-radius:var(--radius);font-size:.875rem;display:flex;gap:.625rem;align-items:flex-start}.alert-info{background:var(--primary-muted);border:1px solid var(--primary-light);color:#1d4ed8}.alert-warning{background:var(--warning-light);border:1px solid #fde68a;color:#92400e}.spinner{display:inline-block;width:16px;height:16px;border:2px solid hsla(0,0%,100%,.4);border-top-color:#fff;border-radius:50%;animation:spin .6s linear infinite}.spinner.dark{border-color:rgba(0,0,0,.1);border-top-color:var(--primary)}@keyframes spin{to{transform:rotate(1turn)}}.loan-card-grid{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:.75rem;gap:.75rem}@media (min-width:600px){.loan-card-grid{grid-template-columns:repeat(3,1fr)}}.loan-stat{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:.625rem .875rem}.loan-stat-label{font-size:.7rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);margin-bottom:.2rem}.loan-stat-value{font-size:1rem;font-weight:600;color:var(--text)}.completion-icon{width:72px;height:72px;background:var(--success-light);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:2rem;margin:0 auto 1.5rem}.survey-section-title{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted);padding:.25rem .75rem;background:var(--bg);border-left:3px solid var(--primary);margin-bottom:1rem}.pref-options{display:flex;flex-direction:column;gap:.5rem}.pref-option{display:flex;align-items:center;gap:.75rem;padding:.75rem 1rem;border-radius:var(--radius);border:2px solid var(--border);cursor:pointer;transition:all .15s;font-size:.9rem;color:var(--text)}.pref-option:hover{border-color:var(--primary);background:var(--primary-muted)}.pref-option.selected{border-color:var(--primary);background:var(--primary-light);color:var(--primary-dark);font-weight:500}.pref-option input{accent-color:var(--primary)}.text-sm{font-size:.875rem}.text-muted{color:var(--text-secondary)}.font-semibold{font-weight:600}.mt-1{margin-top:.25rem}.mt-2{margin-top:.5rem}.mt-3{margin-top:.75rem}.mt-4{margin-top:1rem}.mt-6{margin-top:1.5rem}.mb-4{margin-bottom:1rem}.flex{display:flex}.gap-2{gap:.5rem}.items-center{align-items:center}.justify-between{justify-content:space-between}.w-full{width:100%}