*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:'DM Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:#F4F6FA;color:#0B1F3F;line-height:1.5}
a{color:#2874CD}h1,h2,h3{letter-spacing:-.02em;margin:0 0 12px}h1{font-size:28px}h2{font-size:20px}h3{font-size:16px;margin-top:20px}
.top{background:#fff;border-bottom:1px solid #E4E8EE;display:flex;align-items:center;justify-content:space-between;padding:12px clamp(16px,4vw,48px);position:sticky;top:0;z-index:10}.top img{height:44px;width:auto;display:block}.top nav{display:flex;gap:18px;align-items:center;font-size:14px;font-weight:600}.top nav a{color:#0B1F3F;text-decoration:none}.who{color:#6B7280;font-weight:500}
.wrap{max-width:1180px;margin:0 auto;padding:24px clamp(16px,4vw,48px)}.wrap.narrow{max-width:820px}
.panel,.card{background:#fff;border:1px solid #E4E8EE;border-radius:16px;padding:24px;margin-bottom:20px}
.auth{display:flex;align-items:center;justify-content:center;min-height:100vh;padding:16px}.auth .card{width:100%;max-width:420px}.auth .logo{height:52px;width:auto;margin-bottom:20px;display:block}
label{display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:700;color:#374151;margin-bottom:14px}label span{font-weight:700}label b{color:#DC2626}label small{font-weight:400;color:#6B7280}
input,select{height:48px;border:1px solid #CBD2DC;border-radius:10px;padding:0 14px;font-size:16px;font-weight:500;font-family:inherit;-webkit-appearance:none;appearance:none;color:#0B1F3F;background:#fff;width:100%}input:focus,select:focus{outline:2px solid #2874CD;border-color:#2874CD}input.bad,select.bad{border-color:#DC2626;background:#FEF2F2}
.btn{display:inline-flex;align-items:center;justify-content:center;height:48px;padding:0 24px;border-radius:10px;background:#0B1F3F;color:#fff;font-size:15px;font-weight:700;font-family:inherit;-webkit-appearance:none;border:0;cursor:pointer;text-decoration:none;white-space:nowrap}.btn:hover{background:#16305C}.btn.line{background:#fff;color:#0B1F3F;border:1.5px solid #CBD2DC}.btn.small{height:40px;padding:0 16px;font-size:14px}.btn:disabled{opacity:.6;cursor:default}
.mini{height:32px;padding:0 12px;border-radius:8px;border:1px solid #CBD2DC;background:#fff;font-size:13px;font-weight:600;font-family:inherit;-webkit-appearance:none;cursor:pointer;color:#0B1F3F;text-decoration:none;display:inline-flex;align-items:center}
.muted{color:#6B7280;font-size:14px}.err{color:#B91C1C;font-weight:600}.ok{color:#0F766E;font-weight:600}
.flash{padding:14px 16px;border-radius:10px;margin-bottom:16px;font-size:14px}.flash.ok{background:#ECFDF5;color:#065F46}.flash.err{background:#FEF2F2;color:#991B1B}
.row{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;align-items:end}.row label{margin:0}.row .btn{height:48px}.chk{flex-direction:row;align-items:center;gap:10px}.chk input{width:18px;height:18px}
.bar{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}.tabs{display:flex;gap:6px;flex-wrap:wrap}.tabs a{text-decoration:none;color:#374151;font-size:13px;font-weight:600;padding:6px 10px;border-radius:999px;background:#F4F6FA}.tabs a.on{background:#0B1F3F;color:#fff}.tabs b{font-weight:800}
.tablewrap{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:14px}th{text-align:left;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#6B7280;padding:10px 8px;border-bottom:1px solid #E4E8EE}td{padding:12px 8px;border-bottom:1px solid #F0F2F5;vertical-align:top}.pill{color:#fff;font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px;white-space:nowrap}.actions{white-space:nowrap}
.intro{margin:8px 0 20px}.stepper{display:flex;gap:4px;list-style:none;padding:0;margin:0 0 20px;counter-reset:s}.stepper li{flex:1;font-size:12px;font-weight:700;color:#9CA3AF;border-top:4px solid #E4E8EE;padding-top:8px;min-width:0}.stepper li.on{color:#0B1F3F;border-color:#2874CD}.stepper li.done{color:#0F766E;border-color:#0F766E;cursor:pointer}
.step{display:none}.step.on{display:block}.grid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}.grid label.wide{grid-column:1/-1}
.doc{border:1px dashed #CBD2DC;border-radius:12px;padding:16px;margin-bottom:12px}.dochead{display:flex;justify-content:space-between;gap:16px;align-items:center}.filelist{list-style:none;padding:0;margin:10px 0 0}.filelist li{display:flex;justify-content:space-between;align-items:center;background:#F4F6FA;border-radius:8px;padding:8px 12px;margin-top:6px;font-size:14px}.filelist .rm{border:0;background:none;font-size:20px;cursor:pointer;color:#6B7280}
.navrow{display:flex;justify-content:space-between;align-items:center;gap:12px;margin:8px 0 32px}
.review dl{display:grid;grid-template-columns:1fr 2fr;gap:6px 12px;font-size:14px;margin:0}.review dt{color:#6B7280}.review dd{margin:0;font-weight:600}.review h3 a{font-size:13px;margin-left:8px}
.consent{margin-top:20px;padding-top:20px;border-top:1px solid #E4E8EE}.consent p{font-size:13px;color:#4B5563}.lbl{display:block;font-size:13px;font-weight:700;color:#374151;margin:8px 0 6px}#sig{width:100%;max-width:600px;height:180px;border:1px solid #CBD2DC;border-radius:10px;background:#fff;touch-action:none;display:block;margin-bottom:8px}
.done{text-align:center;padding:48px 24px}.foot{text-align:center;padding:24px 0 48px;font-size:12px}
.kv{display:grid;grid-template-columns:200px 1fr;gap:8px 16px;font-size:14px}.kv div:nth-child(odd){color:#6B7280}
@media (max-width:640px){.grid{grid-template-columns:1fr}.stepper li{font-size:0}.stepper li.on{font-size:12px;flex:3}.top nav .who{display:none}.panel,.card{padding:18px;border-radius:12px}.dochead{flex-direction:column;align-items:flex-start}.review dl{grid-template-columns:1fr}.review dt{margin-top:6px}}
[hidden]{display:none!important}
.grid h3.sub{grid-column:1/-1;margin:14px 0 10px;padding-top:14px;border-top:1px solid #E4E8EE;font-size:15px;color:#2874CD;text-transform:uppercase;letter-spacing:.06em}
.grid h3.sub:first-child{margin-top:0;padding-top:0;border-top:0}
.owner2bar{grid-column:1/-1;display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin:6px 0 10px;padding:14px;border:1px dashed #9DBBE3;border-radius:12px;background:#F5F9FF}
.sigblock{margin-top:18px}.sigblock h3{margin-top:0}.review h4{margin:12px 0 6px;font-size:13px;color:#2874CD;text-transform:uppercase;letter-spacing:.05em}
canvas.sigpad{width:100%;max-width:600px;height:180px;border:1px solid #CBD2DC;border-radius:10px;background:#fff;touch-action:none;display:block;margin-bottom:8px}

/* --- mobile / iOS / Android polish --- */
html,body{overscroll-behavior-y:none}body{-webkit-tap-highlight-color:transparent;padding-bottom:env(safe-area-inset-bottom)}
select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%230B1F3F' stroke-width='2' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;padding-right:36px}
input[type=checkbox]{-webkit-appearance:checkbox;appearance:auto;width:20px;height:20px;padding:0}
input[type=date]{min-height:48px;line-height:48px}input[type=date]::-webkit-date-and-time-value{text-align:left}
.top{padding-top:max(12px,env(safe-area-inset-top))}
.newlink{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px 16px;align-items:end}.newlink label{margin:0}
.newlink .opts{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}.newlink .chk{margin:0;font-weight:600}
.linkbox{background:#ECFDF5;border:1px solid #A7F3D0;border-radius:14px;padding:16px;margin-bottom:20px}.linkbox h3{margin:0 0 4px;color:#065F46}.linkbox p{margin:0 0 10px;font-size:14px;color:#065F46}
.linkrow{display:flex;gap:8px;flex-wrap:wrap}.linkrow input{flex:1 1 260px;font-size:15px;background:#fff;color:#0B1F3F}.linkrow .btn{height:48px}
@media (max-width:640px){
 .top img{height:34px}.top nav{gap:12px;font-size:13px}
 .wrap{padding:16px}
 .newlink{grid-template-columns:1fr}.newlink .opts{flex-direction:column;align-items:stretch}.newlink .opts .btn{width:100%}
 .linkrow .btn{flex:1 1 auto}
 .bar{flex-direction:column;align-items:flex-start}.tabs{overflow-x:auto;flex-wrap:nowrap;width:100%;padding-bottom:4px;-webkit-overflow-scrolling:touch}.tabs a{white-space:nowrap}
 table.cards thead{display:none}table.cards,table.cards tbody,table.cards tr,table.cards td{display:block;width:100%}
 table.cards tr{border:1px solid #E4E8EE;border-radius:12px;padding:12px 14px;margin-bottom:10px;background:#fff}
 table.cards td{border:0;padding:4px 0;display:flex;justify-content:space-between;gap:12px;font-size:14px}
 table.cards td[data-l]::before{content:attr(data-l);color:#6B7280;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
 table.cards td.first{display:block}table.cards td.actions{display:flex;gap:8px;padding-top:10px}table.cards td.actions .mini{flex:1;justify-content:center;height:40px}
 .kv{grid-template-columns:1fr}.kv div:nth-child(even){margin-bottom:6px;font-weight:600}
 .row[style*="2fr 1fr"]{grid-template-columns:1fr!important}
 body.merchant .navrow{position:sticky;bottom:0;background:rgba(244,246,250,.96);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);margin:0 -16px;padding:10px 16px calc(10px + env(safe-area-inset-bottom));border-top:1px solid #E4E8EE;z-index:5}
 body.merchant .navrow .btn{flex:1}body.merchant #savestate{display:none}
 canvas.sigpad{height:160px}
}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0}.filters input{flex:1 1 220px;height:42px}.filters select{flex:0 1 220px;height:42px}.filters .btn{height:42px}
@media (max-width:640px){.filters select,.filters .btn{flex:1 1 100%}}
.mylink{border:1.5px solid #9DBBE3;background:linear-gradient(180deg,#F5F9FF,#fff)}
.skipdocs{margin-top:16px;padding:16px;border-radius:12px;background:#F4F6FA;display:flex;flex-direction:column;gap:10px;align-items:flex-start}
@media (max-width:640px){.skipdocs .btn{width:100%}}