:root{--navy:#0b2339;--navy2:#123b5a;--green:#1da45d;--green2:#79c96e;--mint:#eaf7ef;--blue:#0a5fb7;--ink:#17212b;--muted:#5e6b77;--line:#dce5e9;--soft:#f5f8f7;--white:#fff;--shadow:0 18px 50px rgba(11,35,57,.10)} *{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}img{max-width:100%}button,input,select{font:inherit}.container{width:min(1160px,calc(100% - 34px));margin:auto}.topbar{background:var(--navy);color:#dceaf2;text-align:center;padding:7px 12px;font-size:12px}header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid 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var(--line);border-radius:22px;padding:24px;text-align:center} .score-gauge{width:180px;height:180px;border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;position:relative;background:conic-gradient(var(--green) 0deg,#e6edef 0)} .score-gauge:before{content:"";position:absolute;width:132px;height:132px;border-radius:50%;background:#fff} .score-gauge strong{position:relative;font-size:42px;color:var(--navy)} .strategy-table{width:100%;border-collapse:collapse}.strategy-table th,.strategy-table td{border:1px solid var(--line);padding:13px}.strategy-table th{background:var(--soft);color:var(--navy)} .timeline-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.timeline-card{background:var(--soft);border-radius:16px;padding:16px}.timeline-card strong{display:block;color:var(--navy);font-size:22px} .resource-rail{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.resource-box{background:#fff;border:1px solid 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.coach-window{background:#fff;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);overflow:hidden} .coach-head{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:22px;display:flex;gap:14px;align-items:center} .coach-avatar{width:52px;height:52px;border-radius:18px;background:linear-gradient(135deg,var(--green),var(--blue));display:grid;place-items:center;font-weight:900} .coach-head h2{color:#fff;margin:0}.coach-head p{margin:2px 0 0;color:#d6e5ed;font-size:13px} .chat-log{height:560px;overflow:auto;padding:22px;background:#f7faf9} .msg{max-width:82%;padding:14px 16px;border-radius:18px;margin:10px 0;white-space:pre-wrap} .msg.coach{background:#fff;border:1px solid var(--line);border-top-left-radius:5px} .msg.user{background:var(--navy);color:#fff;margin-left:auto;border-top-right-radius:5px} .msg .meta{display:block;font-size:10px;opacity:.65;margin-top:7px} .chat-input{display:grid;grid-template-columns:1fr auto;gap:10px;padding:16px;border-top:1px solid var(--line);background:#fff} .chat-input textarea{min-height:54px;max-height:130px;resize:vertical;border:1px solid var(--line);border-radius:13px;padding:12px} .prompt-chips{display:flex;gap:8px;flex-wrap:wrap;padding:0 16px 14px;background:#fff} .prompt-chips button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 11px;font-size:12px;cursor:pointer} .coach-side .card{margin-bottom:16px}.coach-status{display:grid;grid-template-columns:1fr 1fr;gap:10px}.coach-stat{background:var(--soft);border-radius:14px;padding:14px}.coach-stat strong{display:block;color:var(--navy);font-size:20px} .action-plan{display:grid;gap:12px}.action-item{display:grid;grid-template-columns:46px 1fr;gap:12px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px}.action-item b{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--green);color:#fff} 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.btn-primary{background:linear-gradient(135deg,#2563EB,#1D4ED8);box-shadow:0 10px 24px rgba(37,99,235,.22)} .btn-primary:hover{background:linear-gradient(135deg,#1D4ED8,#1E40AF)} .hero,.page-hero,.command-hero{background:radial-gradient(circle at 86% 12%,rgba(34,197,94,.18),transparent 31rem),linear-gradient(135deg,#07162C,#123B63)} .ai-banner-icon,.coach-avatar{background:linear-gradient(135deg,#2563EB,#22C55E)} .icon{background:#EEF4FF;color:#2563EB} .badge{background:#EEF4FF;color:#1D4ED8} .read{color:#2563EB} @media(max-width:640px){.brand-logo{width:166px}footer .brand-logo{width:170px}} .cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:9999;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 22px 60px rgba(11,29,57,.22);padding:20px} .cookie-banner[hidden]{display:none!important}.cookie-grid{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center} .cookie-banner h3{margin:0 0 5px}.cookie-banner p{margin:0;color:var(--muted);font-size:13px}.cookie-actions{display:flex;gap:9px;flex-wrap:wrap} .privacy-modal{position:fixed;inset:0;z-index:10000;background:rgba(7,22,44,.72);display:none;align-items:center;justify-content:center;padding:18px}.privacy-modal.open{display:flex} .privacy-panel{width:min(650px,100%);max-height:90vh;overflow:auto;background:#fff;border-radius:24px;padding:26px;box-shadow:0 30px 90px rgba(0,0,0,.35)} .privacy-row{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;border:1px solid var(--line);border-radius:16px;padding:16px;margin:12px 0} .switch{position:relative;width:52px;height:30px}.switch input{opacity:0;width:0;height:0}.slider{position:absolute;inset:0;background:#cbd5e1;border-radius:999px;cursor:pointer}.slider:before{content:"";position:absolute;width:22px;height:22px;left:4px;top:4px;background:#fff;border-radius:50%;transition:.2s}.switch input:checked+.slider{background:var(--blue)}.switch input:checked+.slider:before{transform:translateX(22px)} .privacy-link{background:none;border:0;color:inherit;text-decoration:underline;cursor:pointer;font:inherit;padding:0} .analytics-status{display:inline-flex;padding:6px 10px;border-radius:999px;background:var(--soft);color:var(--muted);font-size:11px;font-weight:800} @media(max-width:700px){.cookie-grid{grid-template-columns:1fr}.cookie-actions .btn{flex:1}.cookie-banner{left:10px;right:10px;bottom:10px}} :root{--surface:#ffffff; --surface-2:#f8fafc; --shadow-soft:0 12px 35px rgba(11,29,57,.07); --shadow-premium:0 24px 70px rgba(11,29,57,.13); --radius-sm:12px; --radius-md:18px; --radius-lg:26px; --ease:cubic-bezier(.2,.8,.2,1);} html{scroll-padding-top:120px} body{background:linear-gradient(180deg,#fff,#fbfdff 55%,#f8fbff)} a,button,input,select,textarea{transition:all .22s var(--ease)} a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid rgba(37,99,235,.35);outline-offset:3px} header{box-shadow:0 8px 30px rgba(11,29,57,.05)} .card,.resource-card,.pillar-card,.tool-card,.dashboard-card,.lesson-card,.download-card,.research-stat,.term-card{box-shadow:var(--shadow-soft);transition:transform .24s var(--ease),box-shadow .24s var(--ease),border-color .24s var(--ease)} .card:hover,.resource-card:hover,.pillar-card:hover,.tool-card:hover,.dashboard-card:hover,.lesson-card:hover,.download-card:hover,.research-stat:hover,.term-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-premium);border-color:#c7d8ea} .btn{position:relative;overflow:hidden} .btn:after{content:"";position:absolute;inset:0;background:linear-gradient(110deg,transparent 20%,rgba(255,255,255,.22),transparent 80%);transform:translateX(-120%)} .btn:hover:after{transform:translateX(120%);transition:transform .65s var(--ease)} .hero,.page-hero,.command-hero{position:relative;overflow:hidden} .hero:before,.page-hero:before,.command-hero:before{content:"";position:absolute;width:380px;height:380px;border-radius:50%; right:-140px;top:-140px;background:radial-gradient(circle,rgba(37,99,235,.25),transparent 68%); animation:floatGlow 8s ease-in-out infinite} @keyframes floatGlow{0%,100%{transform:translate(0,0)}50%{transform:translate(-30px,25px)}} .reveal{opacity:0;transform:translateY(18px)} .reveal.visible{opacity:1;transform:none;transition:opacity .55s var(--ease),transform .55s var(--ease)} .metric strong,.stat strong,.research-stat strong{font-variant-numeric:tabular-nums} .progress-big span,.progress-fill{transition:width .75s var(--ease)} .score-gauge,.score-ring{transition:background .8s var(--ease)} .site-search-trigger{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line);background:#fff;border-radius:999px;padding:10px 14px;font-weight:800;color:var(--navy);cursor:pointer} .site-search-trigger kbd{font:inherit;font-size:10px;background:var(--soft);border:1px solid var(--line);border-radius:6px;padding:2px 6px;color:var(--muted)} .search-overlay{position:fixed;inset:0;background:rgba(7,22,44,.72);backdrop-filter:blur(8px);z-index:12000;display:none;padding:6vh 18px} .search-overlay.open{display:block} .search-dialog{width:min(860px,100%);margin:auto;background:#fff;border-radius:26px;box-shadow:0 30px 100px rgba(0,0,0,.35);overflow:hidden} .search-top{display:grid;grid-template-columns:1fr auto;gap:10px;padding:16px;border-bottom:1px solid var(--line)} .search-top input{height:58px;border:0;font-size:20px;padding:0 14px;outline:0} .search-results{max-height:68vh;overflow:auto;padding:12px} .search-result{display:grid;grid-template-columns:46px 1fr auto;gap:12px;align-items:center;padding:14px;border-radius:15px} .search-result:hover{background:var(--soft)} .search-result .type{width:42px;height:42px;border-radius:13px;background:#eef4ff;color:var(--blue);display:grid;place-items:center;font-weight:900;font-size:11px} .search-result h3{margin:0;font-size:17px}.search-result p{margin:3px 0 0;color:var(--muted);font-size:12px} .search-empty{text-align:center;padding:44px;color:var(--muted)} .mobile-bottom-nav{display:none} .skip-link{position:absolute;left:-999px;top:10px;background:#fff;color:#000;padding:10px;z-index:20000} .skip-link:focus{left:10px} .toast{position:fixed;right:18px;bottom:90px;z-index:13000;background:var(--navy);color:#fff;padding:13px 16px;border-radius:14px;box-shadow:var(--shadow-premium);opacity:0;transform:translateY(12px);pointer-events:none} .toast.show{opacity:1;transform:none} .skeleton{background:linear-gradient(90deg,#eef2f6 25%,#f7f9fb 40%,#eef2f6 60%);background-size:300% 100%;animation:skeleton 1.2s infinite} @keyframes skeleton{0%{background-position:100% 0}100%{background-position:0 0}} @media(max-width:950px){header nav{display:none} .mobile-bottom-nav{display:grid;position:fixed;left:10px;right:10px;bottom:10px;z-index:9000;grid-template-columns:repeat(5,1fr);background:rgba(11,29,57,.96);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.14);border-radius:20px;padding:8px;box-shadow:0 20px 60px rgba(0,0,0,.28)} .mobile-bottom-nav a{color:#dbe7f3;text-align:center;font-size:10px;font-weight:800;padding:8px 4px;border-radius:12px} .mobile-bottom-nav a span{display:block;font-size:18px;margin-bottom:2px} .mobile-bottom-nav a:active,.mobile-bottom-nav a:hover{background:rgba(255,255,255,.1);color:#fff} body{padding-bottom:88px} .site-search-trigger{margin-left:auto}} @media(max-width:640px){.hero,.page-hero,.command-hero{padding:54px 0} h1{font-size:39px} .card,.resource-card,.pillar-card,.tool-card,.dashboard-card,.lesson-card,.download-card{border-radius:18px;padding:20px} .search-overlay{padding:0} .search-dialog{height:100vh;border-radius:0} .search-results{max-height:calc(100vh - 90px)} .cookie-banner{bottom:88px}} @media(prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important} .reveal{opacity:1;transform:none}} .frc-hero{background:linear-gradient(135deg,#06162c 0%,#103a63 58%,#1b68b7 100%);color:#fff;padding:88px 0;position:relative;overflow:hidden} .frc-hero:after{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-180px;bottom:-250px;background:radial-gradient(circle,rgba(255,255,255,.18),transparent 68%)} .frc-tagline{font-size:clamp(22px,3vw,34px);font-weight:850;letter-spacing:-.02em;margin:12px 0 18px} .frc-hero p{max-width:760px;font-size:18px;color:#dbeafe} .frc-trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:13px;font-weight:800} .frc-trust-row span{display:inline-flex;align-items:center;gap:7px} .frc-app{background:#f5f8fc;min-height:100vh;padding:42px 0 80px} .frc-shell{width:min(1050px,calc(100% - 28px));margin:auto} .frc-card{background:#fff;border:1px solid #dce6f1;border-radius:28px;box-shadow:0 26px 80px rgba(11,29,57,.11);overflow:hidden} .frc-progress-head{padding:22px 26px;border-bottom:1px solid #e4ebf3;background:linear-gradient(180deg,#fff,#fbfdff)} .frc-step-label{display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:12px;font-weight:900;color:#54657a;text-transform:uppercase;letter-spacing:.08em} .frc-progress{height:10px;border-radius:999px;background:#e8eef6;margin-top:13px;overflow:hidden} .frc-progress span{display:block;height:100%;background:linear-gradient(90deg,#2563eb,#22c55e);width:12.5%;transition:width .45s ease} .frc-body{padding:34px} .frc-step{display:none}.frc-step.active{display:block;animation:frcFade .35s ease} @keyframes frcFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}} .frc-step h2{font-size:clamp(28px,4vw,44px);margin:0 0 10px} .frc-step-intro{color:#64748b;max-width:760px;margin-bottom:26px} .frc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px} .frc-grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px} .frc-field label{display:block;font-weight:850;font-size:13px;margin-bottom:7px;color:#223047} .frc-field input,.frc-field select,.frc-field textarea{width:100%;border:1px solid #cfd9e5;border-radius:14px;padding:14px 15px;font:inherit;background:#fff} .frc-field input:focus,.frc-field select:focus,.frc-field textarea:focus{border-color:#2563eb;box-shadow:0 0 0 4px rgba(37,99,235,.1)} .frc-choice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px} .frc-choice{border:1px solid #d6e0eb;border-radius:17px;padding:18px;cursor:pointer;background:#fff;display:flex;gap:10px;align-items:flex-start;min-height:92px} .frc-choice:hover{border-color:#8fb6ef;transform:translateY(-2px)} .frc-choice.selected{border-color:#2563eb;background:#eef5ff;box-shadow:0 0 0 3px rgba(37,99,235,.09)} .frc-choice input{margin-top:4px} 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22px}.frc-roadmap-item:before{content:"";position:absolute;left:-27px;top:3px;width:16px;height:16px;border-radius:50%;background:#fff;border:4px solid #2563eb}.frc-roadmap-item:last-child:before{border-color:#22c55e} .frc-roadmap-item h4{margin:0 0 5px}.frc-roadmap-item p{margin:0;color:#64748b} .frc-report-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px} .frc-expert{background:linear-gradient(135deg,#0b1d39,#174f84);color:#fff;border-radius:22px;padding:26px;margin-top:28px} .frc-expert p{color:#dbeafe} .frc-consent{display:flex;gap:10px;align-items:flex-start;background:#f8fafc;border:1px solid #dbe5ef;border-radius:14px;padding:14px;margin:14px 0} .frc-internal{display:none} .frc-note{font-size:12px;color:#64748b} .frc-mini-stat{border:1px solid #dbe5ef;border-radius:16px;padding:16px;background:#fff}.frc-mini-stat strong{display:block;font-size:28px} .frc-home-banner{background:linear-gradient(135deg,#0b1d39,#1f5f9f);color:#fff;border-radius:26px;padding:30px;display:grid;grid-template-columns:1.25fr .75fr;gap:24px;align-items:center;margin:28px 0} .frc-home-banner p{color:#dbeafe} .frc-home-visual{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.frc-home-visual div{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:13px}.frc-home-visual strong{display:block;font-size:24px} @media(max-width:850px){.frc-grid,.frc-grid-3,.frc-choice-grid,.frc-options,.frc-score-grid,.frc-home-banner{grid-template-columns:1fr}.frc-debt-row{grid-template-columns:1fr 1fr}.frc-debt-row .remove-debt{grid-column:1/-1}.frc-score-ring{width:220px;height:220px}.frc-score-ring:before{width:164px;height:164px}} @media(max-width:580px){.frc-body{padding:24px 18px}.frc-nav{padding:18px}.frc-choice-grid{grid-template-columns:1fr}.frc-debt-row{grid-template-columns:1fr}.frc-step h2{font-size:32px}} @media print{header,.mobile-bottom-nav,.cookie-banner,.frc-nav,.site-search-trigger,.frc-report-actions,.frc-expert{display:none!important}.frc-app{background:#fff;padding:0}.frc-card{box-shadow:none;border:0}.frc-step{display:none!important}.frc-step[data-step="7"]{display:block!important}.frc-body{padding:0}.frc-internal{display:none!important}} .twin-shell{margin-top:28px}.twin-intro{display:grid;grid-template-columns:1.15fr .85fr;gap:20px;align-items:stretch} .twin-card,.future-card,.peer-card,.letter-card,.share-card{background:#fff;border:1px solid #dce6f1;border-radius:24px;box-shadow:0 18px 55px rgba(11,29,57,.08)} .twin-card{padding:24px}.twin-badge{display:inline-flex;align-items:center;gap:7px;padding:7px 11px;border-radius:999px;background:#eef5ff;color:#1d4ed8;font-size:11px;font-weight:900;letter-spacing:.05em;text-transform:uppercase} .twin-profile{display:grid;grid-template-columns:90px 1fr;gap:18px;align-items:center;margin:18px 0}.twin-avatar{width:90px;height:90px;border-radius:24px;background:linear-gradient(135deg,#2563eb,#22c55e);color:#fff;display:grid;place-items:center;font-weight:950;font-size:30px} .twin-match{font-size:44px;line-height:1;font-weight:950;color:#0b1d39}.twin-stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:18px}.twin-stat{border:1px solid #dce6f1;background:#fbfdff;border-radius:16px;padding:14px} .twin-stat span{display:block;color:#64748b;font-size:12px;font-weight:800}.twin-stat strong{display:block;font-size:22px;margin-top:3px}.twin-actions{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:18px} .twin-action{background:#f8fbff;border:1px solid #d8e6f5;border-radius:16px;padding:15px}.twin-action h4{margin:0 0 5px}.twin-action p{margin:0;color:#64748b;font-size:13px} .peer-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:18px}.peer-card{padding:18px}.peer-card .match{display:inline-flex;padding:5px 8px;border-radius:999px;background:#eafaf0;color:#17703b;font-size:10px;font-weight:900} .peer-card h4{margin:12px 0 5px}.peer-card p{margin:0;color:#64748b;font-size:13px}.future-card{padding:26px;background:linear-gradient(135deg,#07162c,#174f84);color:#fff;position:relative;overflow:hidden} .future-card p{color:#dbeafe}.future-metrics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:22px;position:relative}.future-metric{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:16px} .future-metric span{display:block;color:#cfe3f8;font-size:12px;font-weight:800}.future-metric strong{display:block;font-size:26px;margin:5px 0}.future-arrow{font-size:13px;color:#8ee7b3}.future-timeline{margin-top:20px} .future-line{height:10px;background:rgba(255,255,255,.15);border-radius:999px;overflow:hidden}.future-line span{display:block;height:100%;width:0;background:linear-gradient(90deg,#60a5fa,#34d399);transition:width 1.2s ease} .future-labels{display:flex;justify-content:space-between;color:#bfdbfe;font-size:11px;margin-top:6px}.letter-card{padding:28px;background:linear-gradient(180deg,#fffaf0,#fff);border-color:#f1dfb4} .letter-card h3{font-family:Georgia,serif;font-size:28px}.future-letter{font-family:Georgia,serif;font-size:18px;line-height:1.75;color:#3f3b32;white-space:pre-line} .share-card{padding:22px;margin-top:18px;background:linear-gradient(135deg,#f8fbff,#eef5ff)}.share-preview{border:1px solid #cddceb;border-radius:20px;padding:22px;background:#fff;margin-top:14px} .share-preview .big{font-size:48px;font-weight:950;color:#0b1d39}.twin-disclaimer{font-size:12px;color:#64748b;background:#f8fafc;border:1px solid #dce5ef;border-radius:14px;padding:14px;margin-top:18px} .scenario-controls{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}.twin-refresh{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px} @media(max-width:850px){.twin-intro,.peer-grid,.future-metrics,.scenario-controls{grid-template-columns:1fr}.twin-profile{grid-template-columns:72px 1fr}.twin-avatar{width:72px;height:72px}.twin-match{font-size:36px}} .admin-body{background:#f4f7fb} .admin-shell{display:grid;grid-template-columns:250px 1fr;min-height:100vh} .admin-sidebar{background:#0b1d39;color:#dbeafe;padding:24px 18px;position:sticky;top:0;height:100vh} .admin-brand{display:flex;align-items:center;gap:10px;margin-bottom:28px} .admin-brand img{width:185px;filter:brightness(0) invert(1)} .admin-nav a{display:flex;align-items:center;gap:10px;color:#c9d8e8;padding:12px 13px;border-radius:12px;font-size:13px;font-weight:800;margin:4px 0} .admin-nav a:hover,.admin-nav a.active{background:rgba(255,255,255,.1);color:#fff} .admin-main{padding:28px} .admin-top{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:24px} .admin-top h1{font-size:34px;margin:0}.admin-top p{margin:4px 0 0;color:#64748b} .admin-actions{display:flex;gap:10px;flex-wrap:wrap} .admin-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px} .admin-kpi{background:#fff;border:1px solid #dce6f1;border-radius:20px;padding:20px;box-shadow:0 12px 35px rgba(11,29,57,.06)} .admin-kpi span{display:block;color:#64748b;font-size:12px;font-weight:850} .admin-kpi strong{display:block;font-size:34px;margin:7px 0 5px;color:#0b1d39} .admin-kpi small{font-weight:800}.trend-up{color:#168145}.trend-neutral{color:#64748b}.trend-down{color:#b42318} .admin-layout{display:grid;grid-template-columns:1.45fr .85fr;gap:18px;margin-top:18px} .admin-panel{background:#fff;border:1px solid #dce6f1;border-radius:22px;padding:22px;box-shadow:0 12px 35px rgba(11,29,57,.05)} .admin-panel h2{font-size:21px;margin:0 0 4px}.admin-panel-sub{color:#64748b;font-size:12px;margin-bottom:18px} .admin-chart{height:260px;display:flex;align-items:flex-end;gap:10px;border-bottom:1px solid #dce6f1;padding:10px 0 0} .admin-bar-wrap{flex:1;text-align:center}.admin-bar{width:100%;background:linear-gradient(180deg,#2563eb,#60a5fa);border-radius:8px 8px 0 0;min-height:4px;transition:height .6s ease} .admin-bar-wrap span{display:block;font-size:10px;color:#64748b;margin-top:7px} .admin-funnel{display:grid;gap:12px}.admin-funnel-row{display:grid;grid-template-columns:145px 1fr 55px;gap:12px;align-items:center} .admin-funnel-track{height:15px;background:#edf2f7;border-radius:999px;overflow:hidden}.admin-funnel-fill{height:100%;background:linear-gradient(90deg,#2563eb,#22c55e);border-radius:999px} .admin-table{width:100%;border-collapse:collapse}.admin-table th,.admin-table td{text-align:left;padding:12px 9px;border-bottom:1px solid #edf1f5;font-size:12px}.admin-table th{color:#64748b;text-transform:uppercase;letter-spacing:.05em;font-size:10px} .admin-badge{display:inline-flex;padding:5px 8px;border-radius:999px;font-size:10px;font-weight:900}.badge-hot{background:#feeceb;color:#b42318}.badge-warm{background:#fff4dc;color:#995f00}.badge-good{background:#eafaf0;color:#17703b} .admin-donut{width:190px;height:190px;border-radius:50%;margin:12px auto;display:grid;place-items:center;background:conic-gradient(#2563eb 0 42%,#22c55e 42% 70%,#f59e0b 70% 86%,#a78bfa 86% 100%)} .admin-donut:before{content:"";width:125px;height:125px;border-radius:50%;background:#fff;position:absolute}.admin-donut-center{position:relative;text-align:center}.admin-donut-center strong{display:block;font-size:28px} .admin-list{display:grid;gap:10px}.admin-list-row{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:center;padding:10px 0;border-bottom:1px solid #edf1f5} .admin-progress{height:8px;background:#edf2f7;border-radius:999px;overflow:hidden;margin-top:5px}.admin-progress span{display:block;height:100%;background:#2563eb} .admin-insight{background:linear-gradient(135deg,#eef5ff,#f8fbff);border:1px solid #cfe0f4;border-radius:16px;padding:15px;margin-top:12px}.admin-insight strong{display:block;margin-bottom:4px} .admin-empty{padding:25px;text-align:center;color:#64748b;background:#f8fafc;border-radius:14px} .admin-note{font-size:11px;color:#64748b} .admin-live-dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:#22c55e;margin-right:6px;box-shadow:0 0 0 5px rgba(34,197,94,.12)} @media(max-width:1100px){.admin-grid{grid-template-columns:repeat(2,1fr)}.admin-layout{grid-template-columns:1fr}} @media(max-width:760px){.admin-shell{grid-template-columns:1fr}.admin-sidebar{position:relative;height:auto}.admin-nav{display:flex;overflow:auto;gap:5px}.admin-nav a{white-space:nowrap}.admin-main{padding:18px}.admin-grid{grid-template-columns:1fr}.admin-top{align-items:flex-start;flex-direction:column}.admin-funnel-row{grid-template-columns:110px 1fr 40px}} @media print{.admin-sidebar,.admin-actions{display:none}.admin-shell{display:block}.admin-main{padding:0}.admin-panel,.admin-kpi{box-shadow:none;break-inside:avoid}} 
/* PayOffMyBills 2.0 refinement layer */
:root{--pmb-navy:#071a33;--pmb-blue:#2367e8;--pmb-blue2:#4d9df8;--pmb-green:#36c56b;--pmb-ink:#10233d;--pmb-muted:#5d6f83;--pmb-line:#dce7f2;--pmb-surface:#f6f9fd}
html{scroll-behavior:smooth}
body{color:var(--pmb-ink)}
a,button,.btn{transition:transform .2s ease,box-shadow .2s ease,background-color .2s ease,border-color .2s ease,color .2s ease}
.btn:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(20,65,130,.18)}
header{backdrop-filter:saturate(150%) blur(14px);background:rgba(255,255,255,.95);position:sticky;top:0;z-index:1000;border-bottom:1px solid rgba(220,231,242,.9)}
.nav nav{display:flex;align-items:center;gap:24px}
.nav-start{background:#2367e8;color:#fff!important;padding:11px 16px;border-radius:999px;box-shadow:0 8px 20px rgba(35,103,232,.22)}
.nav-start:hover{background:#1858cc}
.site-search-trigger{top:88px}
.lazy-section{content-visibility:auto;contain-intrinsic-size:1px 760px}
.section-heading h2{letter-spacing:-.035em}
.card,.home-feature,.frc-option,.admin-kpi,.admin-panel{transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}
.card:hover,.home-feature:hover,.frc-option:hover{transform:translateY(-4px);box-shadow:0 18px 48px rgba(18,55,99,.11);border-color:#c6d9ed}
.breadcrumbs{font-size:14px;color:#66788c;margin:22px auto 0}.breadcrumbs a{color:#315f98;text-decoration:none}.breadcrumbs span{margin:0 7px;color:#9aacbe}
.reveal{opacity:1;transform:none}.motion-ready .reveal{opacity:0;transform:translateY(12px);transition:opacity .45s ease,transform .45s ease}.motion-ready .reveal.is-visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
@media(max-width:900px){header{position:relative}.nav nav{gap:12px}.nav-start{padding:9px 12px}.site-search-trigger{top:auto}}

/* PayOffMyBills 2.1 stability and accessibility patch */
:focus-visible{outline:3px solid #72aef7;outline-offset:3px;border-radius:7px}
header .header-search{display:inline-flex;align-items:center;gap:7px;border:1px solid #d8e4ef;background:#fff;color:#10233d;border-radius:999px;padding:9px 13px;font-weight:850;cursor:pointer}
header .header-search kbd{font-size:11px;color:#60748a;background:#f4f7fb;border:1px solid #dce7f2;border-radius:6px;padding:2px 5px}
.site-search-trigger.home-floating-search{display:none!important}
@media(max-width:950px){header .header-search{display:none}}

/* PayOffMyBills 3.0 Launch Edition */
:root{--shadow-card:0 14px 40px rgba(15,49,91,.08);--shadow-hover:0 22px 54px rgba(15,49,91,.13)}
.btn{border-radius:14px!important;font-weight:850}.lazy-section{padding-top:78px;padding-bottom:78px}
.nav nav{gap:18px}.nav nav a{white-space:nowrap}.nav-home{font-weight:850}
.trust-inline{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px;font-size:13px;font-weight:850;color:#50657b}.trust-inline span:before{content:"✓";color:#2bb866;margin-right:6px}
.hub-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.hub-card{display:block;background:#fff;border:1px solid #dce7f2;border-radius:22px;padding:25px;text-decoration:none;color:inherit;box-shadow:var(--shadow-card)}.hub-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-hover)}
.section-kicker{font-size:12px;font-weight:950;letter-spacing:.14em;text-transform:uppercase;color:#2f69b0}.research-disclosure{background:#fff8df;border:1px solid #ead79b;border-radius:16px;padding:16px;margin:20px;color:#56420c}
.status-badge{display:inline-flex;border-radius:999px;padding:8px 11px;font-size:12px;font-weight:900}.status-badge.connected{background:#e6f7ec;color:#176b36}.status-badge.pending{background:#fff4d8;color:#795600}
@media(max-width:850px){.hub-grid{grid-template-columns:1fr}.nav nav{gap:9px;flex-wrap:wrap}.lazy-section{padding-top:58px;padding-bottom:58px}}

/* PayOffMyBills 4.0 Authority Update */
.authority-intro{max-width:860px;font-size:18px;line-height:1.8;color:#40536a}
.authority-section{padding:34px 0}
.authority-section h2{letter-spacing:-.03em}
.authority-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.authority-card{display:block;background:#fff;border:1px solid #dce7f2;border-radius:20px;padding:22px;text-decoration:none;color:inherit;box-shadow:0 12px 34px rgba(16,52,96,.07)}
.authority-card:hover{transform:translateY(-3px);box-shadow:0 20px 48px rgba(16,52,96,.12)}
.authority-card small{display:block;color:#2d66aa;font-weight:900;text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.continue-learning{margin-top:48px;background:#f5f9fd;border:1px solid #d8e6f3;border-radius:24px;padding:28px}
.continue-learning h2{margin-top:0}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.related-link{display:block;background:#fff;border:1px solid #dce7f2;border-radius:16px;padding:17px;text-decoration:none;color:inherit}
.related-link strong{display:block;margin-bottom:5px}.related-link span{font-size:13px;color:#607286}
.cornerstone-cta{margin-top:28px;background:linear-gradient(135deg,#071a33,#18578f);color:#fff;border-radius:22px;padding:27px}
.cornerstone-cta p{color:#dcecff}.cornerstone-cta a{margin-top:8px}
.lesson-outline{counter-reset:lesson;display:grid;gap:12px}.lesson-outline a{counter-increment:lesson;display:flex;gap:15px;align-items:flex-start;background:#fff;border:1px solid #dce7f2;border-radius:16px;padding:17px;text-decoration:none;color:inherit}.lesson-outline a:before{content:counter(lesson);width:34px;height:34px;flex:0 0 34px;border-radius:11px;background:#eaf3ff;color:#2367e8;display:grid;place-items:center;font-weight:950}
.indexing-note{background:#fff8df;border:1px solid #ead79b;border-radius:16px;padding:16px;margin:22px 0}
@media(max-width:850px){.authority-grid,.related-grid{grid-template-columns:1fr}}