/* ==========================================================================
   RAPIDÉ CREDITORS — Design system
   Brand: deep navy + gold, emerald reserved for positive/success states.
   ========================================================================== */

:root{
  --navy-900:#071a33; --navy-800:#0b2545; --navy-700:#13315c; --navy-600:#1b3f74;
  --gold-600:#c8951a; --gold-500:#f0b429; --gold-400:#f7c948;
  --emerald-600:#057a55; --emerald-500:#0e9f6e; --emerald-50:#ecfdf5;
  --blue-600:#1c64f2; --blue-50:#ebf2ff;
  --amber-600:#c27803; --amber-50:#fdf6b2;
  --red-600:#e02424; --red-50:#fdecec;
  --slate-50:#f6f8fb; --slate-100:#eef2f7; --slate-200:#e2e8f0; --slate-300:#cbd5e1;
  --slate-400:#94a3b8; --slate-500:#64748b; --slate-600:#475569; --slate-700:#334155;
  --ink:#0f172a; --muted:#64748b; --card:#ffffff; --bg:#f4f7fb; --border:#e6ecf3;
  --shadow-sm:0 1px 2px rgba(15,23,42,.06);
  --shadow:0 6px 24px -8px rgba(15,23,42,.18);
  --shadow-lg:0 24px 60px -18px rgba(11,37,69,.35);
  --r-sm:8px; --r:14px; --r-lg:20px; --r-xl:28px;
  --sans:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--navy-700);text-decoration:none}
a:hover{color:var(--gold-600)}
img{max-width:100%;display:block}
h1,h2,h3,h4{margin:0 0 .4em;line-height:1.2;color:var(--navy-800);font-weight:700}
p{margin:0 0 1em}
small{color:var(--muted)}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
.muted{color:var(--muted)}
.center{text-align:center}
.mono{font-variant-numeric:tabular-nums}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;
  font-size:14.5px;padding:11px 20px;border-radius:999px;border:1px solid transparent;cursor:pointer;
  transition:transform .12s ease,box-shadow .18s ease,background .18s ease,color .18s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--navy-800);color:#fff}
.btn-primary:hover{background:var(--navy-700);color:#fff;box-shadow:0 10px 24px -10px rgba(11,37,69,.6)}
.btn-gold{background:linear-gradient(180deg,var(--gold-500),var(--gold-600));color:var(--navy-900)}
.btn-gold:hover{color:var(--navy-900);box-shadow:0 12px 26px -10px rgba(200,149,26,.7)}
.btn-outline{background:#fff;border-color:var(--slate-300);color:var(--navy-800)}
.btn-outline:hover{border-color:var(--navy-700);color:var(--navy-800)}
.btn-ghost{background:transparent;color:var(--navy-700);padding:9px 14px}
.btn-ghost:hover{background:var(--slate-100)}
.btn-emerald{background:var(--emerald-600);color:#fff}
.btn-emerald:hover{background:var(--emerald-500);color:#fff}
.btn-danger{background:#fff;border-color:var(--red-600);color:var(--red-600)}
.btn-danger:hover{background:var(--red-600);color:#fff}
.btn-sm{padding:7px 14px;font-size:13px}
.btn-lg{padding:14px 28px;font-size:16px}
.btn-block{display:flex;width:100%}
.btn[disabled]{opacity:.55;cursor:not-allowed}

/* ---------- Cards ---------- */
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--r-lg);box-shadow:var(--shadow-sm)}
.card-pad{padding:22px 24px}
.card-head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:18px 24px;border-bottom:1px solid var(--border)}
.card-head h3{margin:0;font-size:16px}
.card-body{padding:22px 24px}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.stack{display:flex;flex-direction:column;gap:16px}
.two-col{display:grid;grid-template-columns:1.6fr 1fr;gap:20px;align-items:start}
.two-col.even{grid-template-columns:1fr 1fr}
@media (max-width:1000px){.two-col,.two-col.even{grid-template-columns:1fr}}
.row{display:flex;gap:14px;align-items:center}
.between{justify-content:space-between}
.wrap{flex-wrap:wrap}

/* ---------- Badges ---------- */
.badge{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:600;
  padding:4px 11px;border-radius:999px;line-height:1.3;letter-spacing:.02em}
.badge-slate{background:var(--slate-100);color:var(--slate-600)}
.badge-blue{background:var(--blue-50);color:var(--blue-600)}
.badge-amber{background:var(--amber-50);color:var(--amber-600)}
.badge-emerald{background:var(--emerald-50);color:var(--emerald-600)}
.badge-red{background:var(--red-50);color:var(--red-600)}
.badge-gold{background:#fff6e0;color:var(--gold-600)}

/* ---------- Forms ---------- */
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;font-size:13.5px;color:var(--slate-700);margin-bottom:6px}
.field .req{color:var(--red-600)}
.input,.select,.textarea{width:100%;font:inherit;font-size:15px;color:var(--ink);background:#fff;
  border:1.5px solid var(--slate-200);border-radius:var(--r-sm);padding:11px 13px;transition:border .15s,box-shadow .15s}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--navy-600);box-shadow:0 0 0 4px rgba(27,63,116,.12)}
.textarea{min-height:110px;resize:vertical}
.field .help{font-size:12.5px;color:var(--muted);margin-top:5px}
.field .err{font-size:12.5px;color:var(--red-600);margin-top:5px;font-weight:500}
.field.has-error .input,.field.has-error .select,.field.has-error .textarea{border-color:var(--red-600)}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:0 18px}
.input-prefix{position:relative}
.input-prefix .pfx{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600;font-size:14px}
.input-prefix .input{padding-left:52px}
.radio-cards{display:grid;gap:10px}
.radio-card{display:flex;gap:12px;align-items:center;border:1.5px solid var(--slate-200);border-radius:var(--r);padding:14px;cursor:pointer;transition:border .15s,background .15s}
.radio-card:hover{border-color:var(--navy-600)}
.radio-card.selected{border-color:var(--gold-500);background:#fffbf0}
.radio-card input{accent-color:var(--navy-700)}
.file-drop{border:2px dashed var(--slate-300);border-radius:var(--r);padding:22px;text-align:center;color:var(--muted);background:var(--slate-50);cursor:pointer}
.file-drop:hover{border-color:var(--gold-500);color:var(--navy-700)}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border-radius:var(--r);border:1px solid var(--border)}
.table{width:100%;border-collapse:collapse;font-size:14px;background:#fff;min-width:560px}
.table th{text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.04em;color:var(--slate-500);
  background:var(--slate-50);padding:12px 16px;border-bottom:1px solid var(--border);white-space:nowrap}
.table td{padding:13px 16px;border-bottom:1px solid var(--slate-100);vertical-align:middle}
.table tr:last-child td{border-bottom:none}
.table tr:hover td{background:var(--slate-50)}
.table .num{text-align:right;font-variant-numeric:tabular-nums}

/* ---------- Alerts / flash ---------- */
.flash-stack{position:fixed;top:16px;right:16px;z-index:80;display:flex;flex-direction:column;gap:10px;max-width:360px}
.alert{display:flex;gap:10px;align-items:flex-start;padding:13px 16px;border-radius:var(--r);box-shadow:var(--shadow);
  font-size:14px;font-weight:500;background:#fff;border-left:4px solid var(--slate-400);animation:slideIn .25s ease}
.alert-success{border-color:var(--emerald-500)}
.alert-error{border-color:var(--red-600)}
.alert-info{border-color:var(--blue-600)}
.alert .x{margin-left:auto;cursor:pointer;color:var(--muted);border:none;background:none;font-size:18px;line-height:1}
@keyframes slideIn{from{opacity:0;transform:translateX(20px)}to{opacity:1;transform:none}}

/* ==========================================================================
   PUBLIC SITE
   ========================================================================== */
.public-nav{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.public-nav .container{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy-800);font-size:18px}
.brand .logo{width:42px;height:42px;border-radius:11px;overflow:hidden;background:#fff;
  display:grid;place-items:center;box-shadow:0 1px 4px rgba(11,37,69,.18);flex:none}
.brand .logo img{width:100%;height:100%;object-fit:contain;padding:3px;display:block}
.brand small{display:block;color:var(--gold-600);font-size:11px;font-weight:600;letter-spacing:.03em}
.nav-links{display:flex;align-items:center;gap:8px}
.nav-links a{padding:9px 14px;border-radius:999px;font-weight:600;color:var(--slate-700)}
.nav-links a:hover{background:var(--slate-100)}

.hero{position:relative;background:radial-gradient(1200px 500px at 80% -10%,rgba(240,180,41,.25),transparent 60%),linear-gradient(160deg,var(--navy-900),var(--navy-700));color:#fff;overflow:hidden}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;padding:64px 20px 72px;align-items:center}
.hero h1{color:#fff;font-size:clamp(30px,4vw,50px);line-height:1.08;margin-bottom:16px}
.hero h1 b{color:var(--gold-500)}
.hero p.lead{color:#cbd8ea;font-size:18px;max-width:520px}
.hero .eyebrow{display:inline-flex;gap:8px;align-items:center;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);
  color:var(--gold-400);padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;margin-bottom:18px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero-stats{display:flex;gap:28px;margin-top:34px;flex-wrap:wrap}
.hero-stats .s b{display:block;font-size:26px;color:var(--gold-500)}
.hero-stats .s span{color:#9fb2cc;font-size:13px}

/* Calculator */
.calc{background:#fff;color:var(--ink);border-radius:var(--r-xl);box-shadow:var(--shadow-lg);padding:26px}
.calc h3{font-size:18px;margin-bottom:4px}
.calc .prod-pills{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 18px}
.pill{border:1.5px solid var(--slate-200);background:#fff;border-radius:999px;padding:8px 14px;font-size:13px;font-weight:600;
  color:var(--slate-600);cursor:pointer;transition:.15s}
.pill:hover{border-color:var(--navy-600)}
.pill.active{background:var(--navy-800);border-color:var(--navy-800);color:#fff}
.slider-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.slider-row .val{font-size:22px;font-weight:800;color:var(--navy-800);font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;width:100%;height:8px;border-radius:999px;background:var(--slate-200);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;
  background:var(--gold-500);border:4px solid #fff;box-shadow:0 2px 8px rgba(200,149,26,.55);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--gold-500);border:4px solid #fff;cursor:pointer}
.calc-result{margin-top:20px;background:var(--slate-50);border:1px solid var(--border);border-radius:var(--r);padding:18px}
.calc-result .line{display:flex;justify-content:space-between;padding:6px 0;font-size:14.5px}
.calc-result .line.total{border-top:1px dashed var(--slate-300);margin-top:6px;padding-top:12px;font-size:19px;font-weight:800;color:var(--navy-800)}
.calc-result .line .k{color:var(--muted)}

/* Image + text band */
.media{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.media .photo{position:relative;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-lg);
  background:linear-gradient(160deg,#f4e2b8,#efd591);aspect-ratio:4/5}
.media .photo img{width:100%;height:100%;object-fit:cover;object-position:center top;display:block}
.media .photo .tag{position:absolute;left:18px;bottom:18px;background:rgba(255,255,255,.95);border-radius:14px;
  padding:12px 16px;box-shadow:var(--shadow);font-weight:700;color:var(--navy-800);font-size:14px}
.media .photo .tag b{color:var(--gold-600)}
.ticks{list-style:none;padding:0;margin:22px 0 0;display:flex;flex-direction:column;gap:15px}
.ticks li{display:flex;gap:13px;align-items:flex-start;font-size:15.5px;color:var(--slate-700)}
.ticks li .tk{width:26px;height:26px;border-radius:50%;background:var(--emerald-50);color:var(--emerald-600);
  display:grid;place-items:center;flex:none;font-weight:800;font-size:14px}
.ticks li b{color:var(--navy-800)}
@media (max-width:900px){.media{grid-template-columns:1fr;gap:28px}.media .photo{aspect-ratio:16/12;max-height:440px}}

/* Flyer poster */
.poster{max-width:500px;margin:0 auto;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);border:6px solid #fff}
.poster img{width:100%;display:block}

.section{padding:64px 0}
.section h2{font-size:clamp(24px,3vw,34px);text-align:center;margin-bottom:8px}
.section .sub{text-align:center;color:var(--muted);max-width:600px;margin:0 auto 40px}
.rate-cards{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.rate-card{border:1px solid var(--border);border-radius:var(--r);padding:20px;text-align:center;background:#fff;transition:.18s}
.rate-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.rate-card .term{font-weight:700;color:var(--navy-800)}
.rate-card .rate{font-size:34px;font-weight:800;color:var(--gold-600);margin:8px 0}
.rate-card .min{font-size:12.5px;color:var(--muted)}
.steps-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step-card{text-align:center;padding:12px}
.step-card .n{width:52px;height:52px;border-radius:16px;margin:0 auto 14px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy-800),var(--navy-600));color:var(--gold-500);font-weight:800;font-size:20px}
.footer{background:var(--navy-900);color:#c7d3e5;padding:48px 0 28px;margin-top:40px}
.footer a{color:#c7d3e5}
.footer a:hover{color:var(--gold-500)}
.footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;margin-bottom:30px}
.footer h4{color:#fff;font-size:15px}
.footer .bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:18px;font-size:13px;color:#8ea3c0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* ==========================================================================
   AUTH
   ========================================================================== */
.auth-wrap{min-height:100vh;display:grid;grid-template-columns:1fr 1fr}
.auth-aside{
  background:
    radial-gradient(900px 400px at 20% 0,rgba(240,180,41,.18),transparent 55%),
    linear-gradient(150deg,rgba(7,26,51,.93),rgba(11,37,69,.80) 55%,rgba(7,26,51,.94)),
    url('/assets/img/login-aside.jpg') right center/cover no-repeat;
  color:#fff;padding:56px 48px;display:flex;flex-direction:column;justify-content:space-between}
.auth-aside h2{color:#fff;font-size:30px;max-width:380px}
.auth-aside .pts{list-style:none;padding:0;margin:24px 0 0;display:flex;flex-direction:column;gap:14px}
.auth-aside .pts li{display:flex;gap:12px;align-items:flex-start;color:#cbd8ea}
.auth-aside .pts li b{color:var(--gold-500)}
.auth-main{display:flex;align-items:center;justify-content:center;padding:40px 24px}
.auth-card{width:100%;max-width:440px}
.auth-card h1{font-size:26px}
.auth-card .sub{color:var(--muted);margin-bottom:24px}
.auth-alt{margin-top:20px;text-align:center;color:var(--muted);font-size:14px}

/* ==========================================================================
   APP SHELL (user + admin)
   ========================================================================== */
.shell{display:grid;grid-template-columns:264px 1fr;min-height:100vh}
.sidebar{background:var(--navy-900);color:#cdd9ea;position:sticky;top:0;height:100vh;display:flex;flex-direction:column;padding:20px 16px}
.sidebar .brand{color:#fff;margin-bottom:24px;padding:0 6px}
.sidebar .brand small{color:var(--gold-500)}
.side-nav{display:flex;flex-direction:column;gap:4px;flex:1}
.side-nav a{display:flex;align-items:center;gap:12px;padding:11px 14px;border-radius:12px;color:#a9bad4;font-weight:600;font-size:14.5px}
.side-nav a svg{width:19px;height:19px;flex:none}
.side-nav a:hover{background:rgba(255,255,255,.06);color:#fff}
.side-nav a.active{background:linear-gradient(90deg,rgba(240,180,41,.18),rgba(240,180,41,.04));color:#fff;box-shadow:inset 3px 0 0 var(--gold-500)}
.side-foot{border-top:1px solid rgba(255,255,255,.08);padding-top:14px;margin-top:10px}
.side-user{display:flex;gap:10px;align-items:center;padding:8px 6px}
.avatar{width:38px;height:38px;border-radius:50%;background:var(--gold-500);color:var(--navy-900);display:grid;place-items:center;font-weight:800;flex:none}
.side-user .nm{font-size:13.5px;color:#fff;font-weight:600;line-height:1.2}
.side-user .rl{font-size:11.5px;color:#8ea3c0}

.main{display:flex;flex-direction:column;min-width:0}
.topbar{height:66px;background:#fff;border-bottom:1px solid var(--border);display:flex;align-items:center;
  justify-content:space-between;padding:0 26px;position:sticky;top:0;z-index:30}
.topbar h1{font-size:19px;margin:0}
.topbar .burger{display:none;background:none;border:none;cursor:pointer}
.content{padding:26px;max-width:1200px;width:100%}
.page-head{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:22px;flex-wrap:wrap}
.page-head h2{margin:0;font-size:23px}

/* KPI tiles */
.kpi-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.kpi{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:18px 20px;box-shadow:var(--shadow-sm)}
.kpi .ic{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;margin-bottom:12px;background:var(--slate-100);color:var(--navy-700)}
.kpi.gold .ic{background:#fff6e0;color:var(--gold-600)}
.kpi.emerald .ic{background:var(--emerald-50);color:var(--emerald-600)}
.kpi.red .ic{background:var(--red-50);color:var(--red-600)}
.kpi.blue .ic{background:var(--blue-50);color:var(--blue-600)}
.kpi .lbl{font-size:12.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.03em}
.kpi .val{font-size:25px;font-weight:800;color:var(--navy-800);font-variant-numeric:tabular-nums;margin-top:2px}
.kpi .val small{font-size:14px;color:var(--muted);font-weight:600}

/* Pipeline / status tracker */
.pipeline{display:flex;gap:0;margin:6px 0}
.pipeline .node{flex:1;text-align:center;position:relative}
.pipeline .node .dot{width:30px;height:30px;border-radius:50%;background:var(--slate-200);color:#fff;display:grid;place-items:center;margin:0 auto 8px;font-size:14px;z-index:2;position:relative}
.pipeline .node::before{content:'';position:absolute;top:15px;left:-50%;width:100%;height:3px;background:var(--slate-200);z-index:1}
.pipeline .node:first-child::before{display:none}
.pipeline .node.done .dot{background:var(--emerald-500)}
.pipeline .node.done::before{background:var(--emerald-500)}
.pipeline .node.current .dot{background:var(--gold-500);color:var(--navy-900);box-shadow:0 0 0 5px rgba(240,180,41,.22)}
.pipeline .node .lb{font-size:12px;color:var(--slate-600);font-weight:600}
.pipeline .node.rejected .dot{background:var(--red-600)}

/* Wizard */
.wizard-steps{display:flex;gap:8px;margin-bottom:24px;flex-wrap:wrap}
.wizard-steps .ws{display:flex;align-items:center;gap:9px;padding:9px 15px;border-radius:999px;background:#fff;border:1px solid var(--border);font-size:13.5px;font-weight:600;color:var(--slate-500)}
.wizard-steps .ws .n{width:22px;height:22px;border-radius:50%;background:var(--slate-200);color:#fff;display:grid;place-items:center;font-size:12px}
.wizard-steps .ws.active{border-color:var(--navy-700);color:var(--navy-800)}
.wizard-steps .ws.active .n{background:var(--navy-800)}
.wizard-steps .ws.done .n{background:var(--emerald-500)}
.summary-list{list-style:none;padding:0;margin:0}
.summary-list li{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--slate-100)}
.summary-list li:last-child{border-bottom:none}
.summary-list li .k{color:var(--muted)}
.summary-list li .v{font-weight:600;text-align:right}

/* Misc */
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:18px}
.tab{padding:8px 15px;border-radius:999px;font-size:13.5px;font-weight:600;color:var(--slate-600);background:#fff;border:1px solid var(--border)}
.tab.active{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
.tab .c{opacity:.7;margin-left:4px}
.empty{text-align:center;padding:48px 20px;color:var(--muted)}
.empty .em-ic{font-size:34px;margin-bottom:10px;opacity:.5}
.divider{height:1px;background:var(--border);margin:18px 0}
.def-list{display:grid;grid-template-columns:auto 1fr;gap:10px 20px;font-size:14px}
.def-list dt{color:var(--muted)}
.def-list dd{margin:0;font-weight:600;text-align:right}
.progress{height:9px;border-radius:999px;background:var(--slate-200);overflow:hidden}
.progress .bar{height:100%;background:linear-gradient(90deg,var(--gold-500),var(--gold-600))}

/* Responsive */
@media (max-width:1000px){
  .hero .container{grid-template-columns:1fr;gap:30px}
  .rate-cards{grid-template-columns:repeat(2,1fr)}
  .kpi-grid{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:1fr}
  .auth-wrap{grid-template-columns:1fr}
  .auth-aside{display:none}
}
@media (max-width:820px){
  .shell{grid-template-columns:1fr}
  .sidebar{position:fixed;left:0;top:0;width:264px;z-index:60;transform:translateX(-100%);transition:transform .25s}
  .sidebar.open{transform:none;box-shadow:var(--shadow-lg)}
  .topbar .burger{display:block}
  .scrim{position:fixed;inset:0;background:rgba(7,26,51,.5);z-index:55;display:none}
  .scrim.show{display:block}
}
@media (max-width:640px){
  .grid-2,.form-grid{grid-template-columns:1fr}
  .rate-cards{grid-template-columns:1fr}
  .kpi-grid{grid-template-columns:1fr}
  .footer .cols{grid-template-columns:1fr}
  .nav-links a.hide-sm{display:none}
  .content{padding:18px}
}