:root {
  --tc-teal: #0d6e6e;
  --tc-teal-dark: #0a5252;
  --tc-teal-soft: #d8efef;
  --tc-charcoal: #1c2423;
  --tc-ink: #24302e;
  --tc-sand: #f3efe6;
  --tc-sand-deep: #e7e0d2;
  --tc-cream: #faf7f1;
  --tc-accent: #c45c26;
  --tc-success: #2f7d4a;
  --tc-danger: #b33a3a;
  --tc-muted: #5c6b68;
  --tc-radius: 14px;
  --tc-shadow: 0 12px 40px rgba(28, 36, 35, 0.08);
  --font-display: "Fraunces", Georgia, serif;
  --font-body: "Source Sans 3", "Segoe UI", sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--tc-ink);
  background:
    radial-gradient(circle at 12% 8%, rgba(13, 110, 110, 0.08), transparent 42%),
    radial-gradient(circle at 88% 12%, rgba(196, 92, 38, 0.06), transparent 38%),
    linear-gradient(180deg, var(--tc-cream), var(--tc-sand));
  min-height: 100vh;
  line-height: 1.55;
}

h1, h2, h3, h4, .display-font {
  font-family: var(--font-display);
  letter-spacing: -0.02em;
  color: var(--tc-charcoal);
}

a {
  color: var(--tc-teal);
  text-decoration: none;
}
a:hover {
  color: var(--tc-teal-dark);
}

.tc-container {
  width: min(1120px, calc(100% - 2rem));
  margin-inline: auto;
}

.tc-nav {
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(10px);
  background: rgba(250, 247, 241, 0.88);
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
}
.tc-nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 0;
  gap: 1rem;
}
.tc-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 650;
  color: var(--tc-charcoal);
}
.tc-brand span {
  color: var(--tc-teal);
}
.tc-brand-mark {
  width: 28px;
  height: 28px;
  border-radius: 7px;
  object-fit: cover;
  flex-shrink: 0;
  opacity: 0.92;
  box-shadow: 0 0 0 1px rgba(28, 36, 35, 0.06);
}
.tc-nav-links {
  display: none;
  gap: 1.25rem;
  align-items: center;
}
.tc-nav-links a {
  color: var(--tc-muted);
  font-weight: 600;
}
.tc-nav-links a:hover {
  color: var(--tc-charcoal);
}

.btn-tc {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  border: none;
  border-radius: 999px;
  padding: 0.7rem 1.25rem;
  font-weight: 700;
  font-family: var(--font-body);
  background: var(--tc-teal);
  color: #fff !important;
  transition: transform 0.2s ease, background 0.2s ease;
  cursor: pointer;
}
.btn-tc:hover {
  background: var(--tc-teal-dark);
  transform: translateY(-1px);
  color: #fff !important;
}
.btn-tc-outline {
  background: transparent;
  color: var(--tc-charcoal) !important;
  border: 1.5px solid rgba(28, 36, 35, 0.18);
}
.btn-tc-outline:hover {
  border-color: var(--tc-teal);
  color: var(--tc-teal) !important;
  background: transparent;
}
.btn-tc-accent {
  background: var(--tc-accent);
}
.btn-tc-accent:hover {
  background: #a64c1f;
}
.btn-tc-sm {
  padding: 0.4rem 0.85rem;
  font-size: 0.9rem;
}

.tc-hero {
  position: relative;
  min-height: 100svh;
  display: grid;
  align-items: end;
  overflow: hidden;
  color: #fff;
}
.tc-hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(180deg, rgba(12, 28, 27, 0.25) 0%, rgba(12, 28, 27, 0.78) 70%),
    url("../img/hero.jpg") center/cover no-repeat,
    linear-gradient(135deg, #0d6e6e, #1c2423);
  transform: scale(1.02);
  animation: tcHeroZoom 18s ease-in-out infinite alternate;
}
.tc-hero-content {
  position: relative;
  z-index: 2;
  padding: 5.5rem 0 4rem;
  max-width: 34rem;
  animation: tcFadeUp 0.9s ease both;
}
.tc-hero-brand {
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 9vw, 4.6rem);
  line-height: 0.95;
  margin: 0 0 1rem;
  font-weight: 650;
}
.tc-hero h1 {
  color: #fff;
  font-size: clamp(1.35rem, 4.2vw, 1.85rem);
  font-weight: 500;
  margin: 0 0 0.75rem;
  max-width: 18ch;
}
.tc-hero p {
  margin: 0 0 1.5rem;
  color: rgba(255, 255, 255, 0.86);
  font-size: 1.05rem;
}
.tc-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.tc-section {
  padding: 4rem 0;
}
.tc-section h2 {
  font-size: clamp(1.7rem, 4vw, 2.3rem);
  margin-bottom: 0.5rem;
}
.tc-lead {
  color: var(--tc-muted);
  max-width: 38rem;
  margin-bottom: 2rem;
}
.tc-grid-3 {
  display: grid;
  gap: 1.5rem;
}
.tc-feature {
  padding: 0.25rem 0;
  animation: tcFadeUp 0.7s ease both;
}
.tc-feature:nth-child(2) { animation-delay: 0.08s; }
.tc-feature:nth-child(3) { animation-delay: 0.16s; }
.tc-feature h3 {
  font-size: 1.25rem;
  margin-bottom: 0.4rem;
}
.tc-feature p {
  color: var(--tc-muted);
  margin: 0;
}

.tc-footer {
  border-top: 1px solid rgba(28, 36, 35, 0.08);
  padding: 2rem 0 6rem;
  color: var(--tc-muted);
  font-size: 0.95rem;
}
.tc-footer a {
  color: var(--tc-ink);
  font-weight: 600;
  margin-right: 1rem;
}

.tc-auth-wrap {
  min-height: 100svh;
  display: grid;
  place-items: center;
  padding: 2rem 1rem;
}
.tc-auth-panel {
  width: min(420px, 100%);
  background: rgba(255, 255, 255, 0.72);
  border: 1px solid rgba(28, 36, 35, 0.06);
  border-radius: calc(var(--tc-radius) + 4px);
  padding: 1.75rem;
  box-shadow: var(--tc-shadow);
  animation: tcFadeUp 0.55s ease both;
}
.tc-auth-panel h1 {
  font-size: 1.8rem;
  margin-bottom: 0.35rem;
}
.form-label {
  font-weight: 600;
  color: var(--tc-charcoal);
}
.form-control, .form-select {
  border-radius: 12px;
  border-color: rgba(28, 36, 35, 0.12);
  padding: 0.7rem 0.85rem;
  background: #fff;
}
.form-control:focus, .form-select:focus {
  border-color: var(--tc-teal);
  box-shadow: 0 0 0 0.2rem rgba(13, 110, 110, 0.15);
}

.tc-password-wrap {
  position: relative;
}
.tc-password-wrap .form-control {
  padding-right: 2.75rem;
}
.tc-password-toggle {
  position: absolute;
  top: 50%;
  right: 0.35rem;
  transform: translateY(-50%);
  display: grid;
  place-items: center;
  width: 2.25rem;
  height: 2.25rem;
  padding: 0;
  border: none;
  border-radius: 8px;
  background: transparent;
  color: var(--tc-muted);
  cursor: pointer;
}
.tc-password-toggle:hover {
  color: var(--tc-teal-dark);
  background: var(--tc-teal-soft);
}
.tc-password-toggle svg {
  width: 1.15rem;
  height: 1.15rem;
}
.tc-password-toggle .icon-eye-off {
  display: none;
}
.tc-password-toggle.is-visible .icon-eye {
  display: none;
}
.tc-password-toggle.is-visible .icon-eye-off {
  display: block;
}

.tc-app {
  padding-bottom: 5.5rem;
}
.tc-app-top {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(250, 247, 241, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
  padding: 0.85rem 0;
}
.tc-app-top-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.tc-bottom-nav {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 60;
  background: rgba(250, 247, 241, 0.96);
  border-top: 1px solid rgba(28, 36, 35, 0.08);
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  padding: 0.35rem 0.25rem calc(0.35rem + env(safe-area-inset-bottom));
}
.tc-bottom-nav a {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.15rem;
  padding: 0.45rem 0.2rem;
  color: var(--tc-muted);
  font-size: 0.72rem;
  font-weight: 700;
}
.tc-bottom-nav a.active,
.tc-bottom-nav a:hover {
  color: var(--tc-teal);
}
.tc-bottom-nav svg {
  width: 22px;
  height: 22px;
}

.tc-page {
  padding: 1.25rem 0 2rem;
  animation: tcFadeUp 0.45s ease both;
}
.tc-page-title {
  font-size: clamp(1.5rem, 4vw, 2rem);
  margin-bottom: 0.25rem;
}
.tc-muted {
  color: var(--tc-muted);
}

.tc-panel {
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(28, 36, 35, 0.06);
  border-radius: var(--tc-radius);
  padding: 1.1rem 1.15rem;
  margin-bottom: 1rem;
}
.tc-interactive {
  background: #fff;
  border: 1px solid rgba(28, 36, 35, 0.08);
  border-radius: var(--tc-radius);
  padding: 1rem 1.1rem;
  margin-bottom: 0.85rem;
  box-shadow: 0 6px 24px rgba(28, 36, 35, 0.04);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  position: relative;
}
.tc-interactive:hover {
  transform: translateY(-2px);
  box-shadow: var(--tc-shadow);
}

.tc-score-ring {
  --score: 0;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background:
    radial-gradient(closest-side, var(--tc-cream) 78%, transparent 79% 100%),
    conic-gradient(var(--tc-teal) calc(var(--score) * 1%), rgba(28, 36, 35, 0.1) 0);
  animation: tcRingIn 1s ease both;
}
.tc-score-ring strong {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--tc-charcoal);
}

.tc-factor {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.65rem 0;
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
}
.tc-factor:last-child {
  border-bottom: none;
}
.tc-progress {
  height: 8px;
  background: var(--tc-sand-deep);
  border-radius: 999px;
  overflow: hidden;
}
.tc-progress > span {
  display: block;
  height: 100%;
  background: var(--tc-teal);
  border-radius: inherit;
  width: 0;
  transition: width 0.8s ease;
}

.tc-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.2rem 0.55rem;
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 700;
  background: var(--tc-teal-soft);
  color: var(--tc-teal-dark);
}
.tc-badge.open { background: #dff3e5; color: var(--tc-success); }
.tc-badge.funded, .tc-badge.active { background: #d8efef; color: var(--tc-teal-dark); }
.tc-badge.repaid { background: #e8e8e8; color: #444; }
.tc-badge.defaulted, .tc-badge.rejected { background: #f8dede; color: var(--tc-danger); }
.tc-badge.pending { background: #fff0df; color: #9a5b16; }
.tc-badge.approved { background: #dff3e5; color: var(--tc-success); }

.tc-toast-wrap {
  position: fixed;
  top: 1rem;
  right: 1rem;
  z-index: 200;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.tc-toast {
  background: var(--tc-charcoal);
  color: #fff;
  padding: 0.75rem 1rem;
  border-radius: 12px;
  min-width: 220px;
  box-shadow: var(--tc-shadow);
  animation: tcFadeUp 0.3s ease both;
}
.tc-toast.error { background: var(--tc-danger); }
.tc-toast.success { background: var(--tc-success); }

.tc-list-stagger > * {
  animation: tcFadeUp 0.45s ease both;
}
.tc-list-stagger > *:nth-child(1) { animation-delay: 0.02s; }
.tc-list-stagger > *:nth-child(2) { animation-delay: 0.06s; }
.tc-list-stagger > *:nth-child(3) { animation-delay: 0.1s; }
.tc-list-stagger > *:nth-child(4) { animation-delay: 0.14s; }
.tc-list-stagger > *:nth-child(5) { animation-delay: 0.18s; }

.avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  object-fit: cover;
  background: var(--tc-teal-soft);
  display: inline-grid;
  place-items: center;
  font-weight: 700;
  color: var(--tc-teal-dark);
  overflow: hidden;
}
.avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.admin-sidebar {
  background: var(--tc-charcoal);
  color: #fff;
  min-height: 100vh;
  padding: 1.25rem 1rem;
}
.admin-sidebar a {
  display: block;
  color: rgba(255,255,255,0.78);
  padding: 0.55rem 0.7rem;
  border-radius: 10px;
  margin-bottom: 0.25rem;
  font-weight: 600;
}
.admin-sidebar a:hover,
.admin-sidebar a.active {
  background: rgba(255,255,255,0.08);
  color: #fff;
}
.admin-main {
  padding: 1.25rem;
  background: var(--tc-sand);
  min-height: 100vh;
}

@keyframes tcFadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes tcHeroZoom {
  from { transform: scale(1.02); }
  to { transform: scale(1.08); }
}
@keyframes tcRingIn {
  from { filter: saturate(0.6); transform: scale(0.92); }
  to { filter: saturate(1); transform: scale(1); }
}

@media (min-width: 768px) {
  .tc-nav-links { display: flex; }
  .tc-grid-3 { grid-template-columns: repeat(3, 1fr); }
  .tc-bottom-nav { display: none; }
  .tc-app { padding-bottom: 2rem; }
  .tc-app-desktop-nav {
    display: flex !important;
    gap: 1rem;
    align-items: center;
  }
  .tc-hero-content { padding-bottom: 5.5rem; }
}

.tc-app-desktop-nav {
  display: none;
}
.tc-app-desktop-nav a {
  color: var(--tc-muted);
  font-weight: 700;
  font-size: 0.95rem;
}
.tc-app-desktop-nav a.active,
.tc-app-desktop-nav a:hover {
  color: var(--tc-teal);
}

.table-tc {
  width: 100%;
  border-collapse: collapse;
}
.table-tc th,
.table-tc td {
  padding: 0.75rem 0.5rem;
  border-bottom: 1px solid rgba(28,36,35,0.08);
  text-align: left;
  vertical-align: middle;
}
.table-tc th {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--tc-muted);
}

.empty-state {
  text-align: center;
  padding: 2.5rem 1rem;
  color: var(--tc-muted);
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.75rem;
}
@media (min-width: 768px) {
  .stat-grid { grid-template-columns: repeat(4, 1fr); }
}
.stat-tile {
  background: #fff;
  border-radius: var(--tc-radius);
  padding: 1rem;
  border: 1px solid rgba(28,36,35,0.06);
}
.stat-tile .label {
  color: var(--tc-muted);
  font-size: 0.85rem;
  font-weight: 600;
}
.stat-tile .value {
  font-family: var(--font-display);
  font-size: 1.6rem;
  margin-top: 0.2rem;
}

/* ===== UI/UX enhancements ===== */
.tc-app-actions { display: flex; align-items: center; gap: 0.5rem; }
.tc-icon-btn {
  position: relative; display: inline-flex; align-items: center; justify-content: center;
  width: 40px; height: 40px; border-radius: 12px; color: var(--tc-muted);
  background: rgba(255,255,255,0.6); border: 1px solid rgba(28,36,35,0.06);
  transition: color 0.2s, background 0.2s, transform 0.2s;
}
.tc-icon-btn:hover { color: var(--tc-teal); background: #fff; transform: translateY(-1px); }
.tc-icon-btn svg { width: 20px; height: 20px; }
.tc-badge-dot {
  position: absolute; top: 4px; right: 4px; min-width: 16px; height: 16px; padding: 0 4px;
  border-radius: 999px; background: var(--tc-accent); color: #fff;
  font-size: 0.62rem; font-weight: 800; display: grid; place-items: center;
}
.tc-avatar-link { display: flex; align-items: center; gap: 0.5rem; color: var(--tc-charcoal); font-weight: 700; font-size: 0.9rem; }
.avatar-sm { width: 36px; height: 36px; font-size: 0.95rem; }
.tc-user-name { max-width: 120px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.tc-quick-bar { display: flex; gap: 0.5rem; padding: 0.65rem 1rem; overflow-x: auto; background: rgba(255,255,255,0.5); border-bottom: 1px solid rgba(28,36,35,0.06); }
.tc-quick-pill {
  flex-shrink: 0; padding: 0.45rem 0.85rem; border-radius: 999px; background: #fff;
  border: 1px solid rgba(28,36,35,0.08); color: var(--tc-teal-dark); font-weight: 700; font-size: 0.85rem;
}
.tc-quick-pill:hover { border-color: var(--tc-teal); color: var(--tc-teal); }
.tc-bottom-nav a.active .tc-nav-icon { background: var(--tc-teal-soft); color: var(--tc-teal); }
.tc-nav-icon { display: grid; place-items: center; width: 32px; height: 32px; border-radius: 10px; transition: background 0.2s; }
.tc-nav-icon svg { width: 20px; height: 20px; }
.tc-page-head { margin-bottom: 1.25rem; }
.tc-back { display: inline-flex; font-size: 0.88rem; font-weight: 700; color: var(--tc-muted); margin-bottom: 0.35rem; }
.tc-back:hover { color: var(--tc-teal); }
.tc-page-sub { color: var(--tc-muted); margin: 0.15rem 0 0; }
.tc-welcome {
  background: linear-gradient(135deg, var(--tc-teal), #0a5252); color: #fff;
  border-radius: calc(var(--tc-radius) + 2px); padding: 1.35rem 1.25rem; margin-bottom: 1rem;
  box-shadow: 0 16px 40px rgba(13,110,110,0.22);
}
.tc-welcome h1 { color: #fff; font-size: clamp(1.35rem, 4vw, 1.75rem); margin: 0 0 0.35rem; }
.tc-welcome p { margin: 0; opacity: 0.88; font-size: 0.95rem; }
.stat-tile { transition: transform 0.2s, box-shadow 0.2s; }
.stat-tile:hover { transform: translateY(-2px); box-shadow: var(--tc-shadow); }
.stat-tile.stat-accent { background: linear-gradient(180deg, #fff, var(--tc-teal-soft)); }
.tc-action-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.65rem; margin-bottom: 1rem; }
@media (min-width: 768px) { .tc-action-grid { grid-template-columns: repeat(4, 1fr); } }
.tc-action-card {
  display: flex; flex-direction: column; gap: 0.25rem; padding: 1rem; background: #fff;
  border: 1px solid rgba(28,36,35,0.07); border-radius: var(--tc-radius);
  color: var(--tc-charcoal); font-weight: 700; font-size: 0.92rem; transition: transform 0.2s, box-shadow 0.2s;
}
.tc-action-card:hover { transform: translateY(-2px); box-shadow: var(--tc-shadow); border-color: rgba(13,110,110,0.2); color: var(--tc-teal-dark); }
.tc-action-card span { font-weight: 600; font-size: 0.78rem; color: var(--tc-muted); }
.btn-tc.is-loading { pointer-events: none; opacity: 0.85; }
.btn-tc.is-loading::after {
  content: ''; width: 14px; height: 14px; margin-left: 0.35rem;
  border: 2px solid rgba(255,255,255,0.35); border-top-color: #fff; border-radius: 50%;
  animation: tcSpin 0.65s linear infinite;
}
@keyframes tcSpin { to { transform: rotate(360deg); } }
.tc-profile-nav { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.65rem; margin-bottom: 1rem; }
.tc-profile-nav a {
  padding: 0.85rem 1rem; background: #fff; border-radius: var(--tc-radius);
  border: 1px solid rgba(28,36,35,0.07); font-weight: 700; color: var(--tc-charcoal);
}
.tc-profile-nav a:hover { border-color: var(--tc-teal); color: var(--tc-teal); }
.tc-admin-body { background: var(--tc-sand); }
.admin-layout { display: flex; min-height: 100vh; }
.admin-sidebar {
  width: 260px; flex-shrink: 0; flex-direction: column; display: flex;
  background: linear-gradient(180deg, #1c2423, #24302e); padding: 1.5rem 1rem;
  position: sticky; top: 0; height: 100vh;
}
.admin-brand-block { margin-bottom: 1.5rem; padding: 0 0.5rem; }
.admin-tag { color: rgba(255,255,255,0.45); font-size: 0.82rem; margin: 0.25rem 0 0; }
.text-teal-soft { color: #7fd4d4 !important; }
.admin-nav { flex: 1; display: flex; flex-direction: column; gap: 0.15rem; }
.admin-nav-link {
  display: flex; align-items: center; color: rgba(255,255,255,0.72);
  padding: 0.65rem 0.75rem; border-radius: 12px; font-weight: 600; font-size: 0.95rem;
}
.admin-nav-link:hover, .admin-nav-link.active { background: rgba(255,255,255,0.1); color: #fff; }
.admin-nav-link.active { box-shadow: inset 3px 0 0 #7fd4d4; }
.admin-sidebar-foot { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 0.75rem; margin-top: 0.5rem; }
.admin-main { flex: 1; padding: 1.25rem 1.5rem 2rem; min-width: 0; }
.admin-menu-toggle {
  position: fixed; top: 0.85rem; left: 0.85rem; z-index: 100; width: 44px; height: 44px;
  border: none; border-radius: 12px; background: var(--tc-charcoal); color: #fff;
}
@media (max-width: 767px) { .admin-main { padding-top: 4rem; } }
.admin-stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.75rem; margin-bottom: 1.25rem; }
@media (min-width: 992px) { .admin-stat-grid { grid-template-columns: repeat(4, 1fr); } }
.admin-stat {
  background: #fff; border-radius: var(--tc-radius); padding: 1.1rem 1.15rem;
  border: 1px solid rgba(28,36,35,0.06); box-shadow: 0 4px 20px rgba(28,36,35,0.03);
}
.admin-stat .label { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--tc-muted); font-weight: 700; }
.admin-stat .value { font-family: var(--font-display); font-size: 1.75rem; margin-top: 0.15rem; }
.admin-stat.warn .value { color: var(--tc-accent); }
.table-tc tbody tr:hover { background: rgba(13,110,110,0.03); }
.table-tc-wrap { overflow-x: auto; border-radius: var(--tc-radius); background: #fff; border: 1px solid rgba(28,36,35,0.06); }
.tc-tabs { display: flex; gap: 0.35rem; margin-bottom: 1rem; flex-wrap: wrap; }
.tc-tab { padding: 0.5rem 1rem; border-radius: 999px; font-weight: 700; font-size: 0.88rem; color: var(--tc-muted); background: rgba(255,255,255,0.6); }
.tc-tab.active { background: var(--tc-teal); color: #fff !important; }
.empty-state { background: rgba(255,255,255,0.5); border-radius: var(--tc-radius); border: 1px dashed rgba(28,36,35,0.12); }

/* Premium revamp — drawer, cards, escrow, screening */
.tc-hamburger { padding: 0.35rem; color: var(--tc-charcoal); border: none; }
.tc-hamburger svg { width: 24px; height: 24px; }
.tc-brand-img { height: 28px; width: auto; }
.tc-brand-compact {
  font-size: 1.2rem;
  line-height: 1;
}
.tc-drawer { width: min(320px, 88vw); border-right: 1px solid rgba(28,36,35,0.08); }
.tc-drawer .offcanvas-body {
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}
.tc-drawer-head {
  align-items: center;
  padding: 0.85rem 1rem;
  min-height: 56px;
}
.tc-drawer-brand {
  flex: 1;
  min-width: 0;
}
.tc-brand-drawer {
  font-size: 1.15rem;
  line-height: 1.2;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.tc-drawer-user { display: flex; align-items: center; gap: 0.85rem; padding: 0.75rem; margin-bottom: 1rem; border-radius: var(--tc-radius); background: var(--tc-sand); text-decoration: none; color: inherit; }
.tc-drawer-nav { display: flex; flex-direction: column; gap: 0.15rem; }
.tc-drawer-link { display: flex; align-items: center; justify-content: space-between; padding: 0.65rem 0.75rem; border-radius: 12px; font-weight: 700; color: var(--tc-charcoal); }
.tc-drawer-link:hover, .tc-drawer-link.active { background: var(--tc-teal-soft); color: var(--tc-teal-dark); }
.tc-drawer-footer { display: flex; gap: 1rem; padding-top: 1rem; font-size: 0.88rem; font-weight: 700; }
.tc-page-enter { animation: tcPageIn 0.35s ease; }
@keyframes tcPageIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.tc-amount { font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-weight: 700; letter-spacing: -0.02em; }
.avatar-ring { display: inline-grid; place-items: center; border-radius: 50%; background: conic-gradient(var(--tc-teal) calc(var(--score) * 1%), rgba(28,36,35,0.08) 0); padding: 3px; flex-shrink: 0; }
.avatar-ring-inner { width: calc(100% - 6px); height: calc(100% - 6px); border-radius: 50%; background: #fff; display: grid; place-items: center; font-weight: 700; overflow: hidden; font-size: 0.85em; }
.avatar-ring-inner img { width: 100%; height: 100%; object-fit: cover; }
.tier-strong { --ring-color: var(--tc-teal); }
.tier-building { --ring-color: #c9a227; }
.tier-review { --ring-color: #b85c38; }
.story-card { background: #fff; border-radius: calc(var(--tc-radius) + 2px); border: 1px solid rgba(28,36,35,0.07); padding: 1.1rem; margin-bottom: 0.85rem; box-shadow: 0 8px 28px rgba(28,36,35,0.04); transition: transform 0.2s, box-shadow 0.2s; }
.story-card:hover { transform: translateY(-2px); box-shadow: var(--tc-shadow); }
.story-card-head { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.65rem; }
.story-card-meta { font-size: 0.82rem; color: var(--tc-muted); }
.story-card-excerpt { color: var(--tc-charcoal); margin: 0.5rem 0 0.75rem; line-height: 1.45; }
.story-card-foot { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem; flex-wrap: wrap; }
.score-badge { display: inline-flex; align-items: center; gap: 0.25rem; padding: 0.25rem 0.55rem; border-radius: 999px; font-size: 0.78rem; font-weight: 800; background: var(--tc-teal-soft); color: var(--tc-teal-dark); }
.progress-ring { width: 44px; height: 44px; border-radius: 50%; background: conic-gradient(var(--tc-teal) var(--pct), rgba(28,36,35,0.08) 0); display: grid; place-items: center; font-size: 0.65rem; font-weight: 800; }
.progress-ring span { width: 32px; height: 32px; border-radius: 50%; background: #fff; display: grid; place-items: center; }
.escrow-chip { display: inline-flex; padding: 0.2rem 0.55rem; border-radius: 999px; font-size: 0.72rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.03em; }
.escrow-pending { background: #fff3cd; color: #856404; }
.escrow-held { background: var(--tc-teal-soft); color: var(--tc-teal-dark); }
.escrow-released { background: #d4edda; color: #155724; }
.escrow-refunded, .escrow-failed { background: #f8d7da; color: #721c24; }
.screening-timeline { display: flex; flex-direction: column; gap: 0.85rem; }
.screening-step { display: flex; gap: 0.75rem; align-items: flex-start; padding: 0.85rem 1rem; background: #fff; border-radius: var(--tc-radius); border: 1px solid rgba(28,36,35,0.06); }
.screening-icon { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; background: var(--tc-sand); flex-shrink: 0; }
.screening-done .screening-icon { background: var(--tc-teal-soft); color: var(--tc-teal); }
.screening-checking .screening-icon { animation: tcSpin 1s linear infinite; }
.screening-pulse { color: var(--tc-teal); font-size: 0.85rem; font-weight: 700; }
.tc-filter-chips { display: flex; gap: 0.4rem; flex-wrap: wrap; margin-bottom: 1rem; overflow-x: auto; padding-bottom: 0.25rem; }
.tc-chip { padding: 0.4rem 0.85rem; border-radius: 999px; font-size: 0.82rem; font-weight: 700; border: 1px solid rgba(28,36,35,0.1); background: #fff; color: var(--tc-muted); white-space: nowrap; }
.tc-chip.active, .tc-chip:hover { border-color: var(--tc-teal); color: var(--tc-teal-dark); background: var(--tc-teal-soft); }
.tc-ai-pill { position: fixed; bottom: calc(72px + env(safe-area-inset-bottom)); left: 1rem; z-index: 50; padding: 0.55rem 1rem; border-radius: 999px; background: var(--tc-charcoal); color: #fff; font-weight: 800; font-size: 0.82rem; box-shadow: 0 8px 24px rgba(28,36,35,0.25); }
@media (min-width: 768px) { .tc-ai-pill { bottom: 1.25rem; } }
.tc-skeleton { background: linear-gradient(90deg, rgba(28,36,35,0.06), rgba(28,36,35,0.12), rgba(28,36,35,0.06)); background-size: 200% 100%; animation: tcShimmer 1.2s infinite; border-radius: 8px; min-height: 1rem; }
@keyframes tcShimmer { to { background-position: -200% 0; } }
.wizard-steps { display: flex; gap: 0.35rem; margin-bottom: 1.25rem; overflow-x: auto; }
.wizard-step-dot { width: 32px; height: 32px; border-radius: 50%; display: grid; place-items: center; font-size: 0.78rem; font-weight: 800; background: rgba(28,36,35,0.08); color: var(--tc-muted); flex-shrink: 0; }
.wizard-step-dot.active { background: var(--tc-teal); color: #fff; }
.wizard-step-dot.done { background: var(--tc-teal-soft); color: var(--tc-teal-dark); }
.trust-block, .fund-block, .social-block { background: #fff; border-radius: var(--tc-radius); border: 1px solid rgba(28,36,35,0.07); padding: 1.15rem; margin-bottom: 1rem; }
.backer-row { display: flex; justify-content: space-between; align-items: center; padding: 0.5rem 0; border-bottom: 1px solid rgba(28,36,35,0.06); font-size: 0.92rem; }
.stk-waiting { text-align: center; padding: 2rem 1rem; }
.stk-waiting .pulse-ring { width: 64px; height: 64px; margin: 0 auto 1rem; border-radius: 50%; border: 3px solid var(--tc-teal-soft); border-top-color: var(--tc-teal); animation: tcSpin 0.8s linear infinite; }

/* Trust AI — WhatsApp-style chat */
.tc-icon-btn.active { background: var(--tc-teal-soft); color: var(--tc-teal-dark); border-radius: 12px; }
.tc-ai-page { background: #e8ece9; overflow: hidden; display: flex; flex-direction: column; height: 100dvh; height: 100vh; padding-bottom: 0 !important; }
.tc-ai-page .tc-app-top { border-bottom: none; box-shadow: 0 1px 0 rgba(28,36,35,0.06); }
.tc-ai-main { flex: 1; display: flex; flex-direction: column; min-height: 0; padding: 0; max-width: none; margin: 0; width: 100%; }
.tc-ai-shell { display: flex; flex-direction: column; height: 100%; max-width: 720px; margin: 0 auto; width: 100%; background: #e8ece9; }
.tc-ai-chat-header { background: linear-gradient(135deg, #0d6e6e, #0a5252); color: #fff; padding: 0.65rem 0.85rem; flex-shrink: 0; box-shadow: 0 2px 8px rgba(13,110,110,0.2); }
.tc-ai-chat-header-inner { display: flex; align-items: center; gap: 0.75rem; }
.tc-ai-avatar { width: 42px; height: 42px; border-radius: 50%; background: rgba(255,255,255,0.15); display: grid; place-items: center; flex-shrink: 0; }
.tc-ai-avatar svg { width: 22px; height: 22px; color: #fff; }
.tc-ai-chat-title { flex: 1; min-width: 0; line-height: 1.25; }
.tc-ai-chat-title strong { display: block; font-size: 1rem; }
.tc-ai-status { font-size: 0.75rem; opacity: 0.85; }
.tc-ai-score-pill { text-align: center; background: rgba(255,255,255,0.15); border-radius: 12px; padding: 0.35rem 0.6rem; flex-shrink: 0; }
.tc-ai-score-num { display: block; font-family: var(--font-display); font-size: 1.25rem; line-height: 1; font-weight: 700; }
.tc-ai-score-label { font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.04em; opacity: 0.9; }
.tc-ai-messages { flex: 1; overflow-y: auto; overflow-x: hidden; padding: 0.85rem 0.75rem 0.5rem; display: flex; flex-direction: column; gap: 0.35rem; -webkit-overflow-scrolling: touch; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23c8d4d0' fill-opacity='0.22'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E") #e8ece9; }
.tc-ai-bubble-row { display: flex; width: 100%; }
.tc-ai-bubble-row.is-in { justify-content: flex-start; }
.tc-ai-bubble-row.is-out { justify-content: flex-end; }
.tc-ai-bubble { max-width: min(85%, 420px); padding: 0.55rem 0.7rem 0.35rem; border-radius: 12px; font-size: 0.94rem; line-height: 1.45; position: relative; word-wrap: break-word; box-shadow: 0 1px 2px rgba(28,36,35,0.06); }
.is-in .tc-ai-bubble { background: #fff; border-top-left-radius: 4px; color: var(--tc-charcoal); }
.is-out .tc-ai-bubble { background: #d9f5f0; border-top-right-radius: 4px; color: #0a3d3d; }
.tc-ai-time { display: block; text-align: right; font-size: 0.65rem; opacity: 0.55; margin-top: 0.2rem; }
.tc-ai-typing { display: flex; gap: 4px; align-items: center; padding: 0.75rem 1rem; }
.tc-ai-typing span { width: 7px; height: 7px; border-radius: 50%; background: var(--tc-muted); animation: tcTyping 1.2s infinite; }
.tc-ai-typing span:nth-child(2) { animation-delay: 0.15s; }
.tc-ai-typing span:nth-child(3) { animation-delay: 0.3s; }
@keyframes tcTyping { 0%, 60%, 100% { transform: translateY(0); opacity: 0.4; } 30% { transform: translateY(-4px); opacity: 1; } }
.tc-ai-quick { display: flex; gap: 0.4rem; overflow-x: auto; padding: 0.4rem 0.75rem; flex-shrink: 0; background: #e8ece9; border-top: 1px solid rgba(28,36,35,0.05); scrollbar-width: none; }
.tc-ai-quick::-webkit-scrollbar { display: none; }
.tc-ai-quick-btn { flex-shrink: 0; border: none; background: #fff; color: var(--tc-teal-dark); font-size: 0.78rem; font-weight: 700; padding: 0.45rem 0.75rem; border-radius: 999px; box-shadow: 0 1px 3px rgba(28,36,35,0.08); cursor: pointer; }
.tc-ai-quick-btn:hover { background: var(--tc-teal-soft); }
.tc-ai-composer { flex-shrink: 0; padding: 0.5rem 0.65rem calc(0.5rem + env(safe-area-inset-bottom)); background: #f0f2f1; border-top: 1px solid rgba(28,36,35,0.08); }
.tc-ai-composer-form { display: flex; align-items: flex-end; gap: 0.5rem; background: #fff; border-radius: 24px; padding: 0.35rem 0.35rem 0.35rem 1rem; box-shadow: 0 1px 4px rgba(28,36,35,0.08); }
.tc-ai-input { flex: 1; border: none; outline: none; background: transparent; font-size: 0.95rem; padding: 0.45rem 0; max-height: 120px; resize: none; }
.tc-ai-send { width: 42px; height: 42px; border: none; border-radius: 50%; background: var(--tc-teal); color: #fff; display: grid; place-items: center; flex-shrink: 0; cursor: pointer; transition: transform 0.15s; }
.tc-ai-send:hover { transform: scale(1.05); }
.tc-ai-send svg { width: 20px; height: 20px; }
@media (min-width: 768px) {
  .tc-ai-shell { border-left: 1px solid rgba(28,36,35,0.06); border-right: 1px solid rgba(28,36,35,0.06); }
}

/* Borrow request wizard */
.tc-borrow-page { background: linear-gradient(180deg, var(--tc-sand) 0%, #f5f3ef 40%, var(--tc-sand) 100%); }
.borrow-progress { display: flex; gap: 0.35rem; overflow-x: auto; padding-bottom: 0.5rem; margin-bottom: 1.25rem; scrollbar-width: none; }
.borrow-progress::-webkit-scrollbar { display: none; }
.borrow-progress-item { display: flex; align-items: center; gap: 0.5rem; padding: 0.5rem 0.75rem; background: rgba(255,255,255,0.55); border-radius: 14px; border: 1px solid rgba(28,36,35,0.06); flex-shrink: 0; min-width: 110px; opacity: 0.65; transition: opacity 0.2s, box-shadow 0.2s; }
.borrow-progress-item.active { opacity: 1; background: #fff; box-shadow: 0 8px 24px rgba(13,110,110,0.1); border-color: rgba(13,110,110,0.15); }
.borrow-progress-item.done { opacity: 0.85; }
.borrow-progress-dot { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; font-size: 0.72rem; font-weight: 800; background: rgba(28,36,35,0.08); flex-shrink: 0; }
.borrow-progress-item.active .borrow-progress-dot { background: var(--tc-teal); color: #fff; }
.borrow-progress-item.done .borrow-progress-dot { background: var(--tc-teal-soft); color: var(--tc-teal-dark); }
.borrow-progress-label { display: flex; flex-direction: column; line-height: 1.2; }
.borrow-progress-label strong { font-size: 0.82rem; }
.borrow-progress-label small { font-size: 0.68rem; color: var(--tc-muted); }
.borrow-hero { margin-bottom: 1.25rem; }
.borrow-hero-compact { margin-bottom: 1rem; }
.borrow-kicker { text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.72rem; font-weight: 800; color: var(--tc-teal); margin: 0 0 0.35rem; }
.borrow-title { font-family: var(--font-display); font-size: clamp(1.5rem, 4.5vw, 2rem); margin: 0 0 0.5rem; line-height: 1.15; }
.borrow-lead { color: var(--tc-muted); margin: 0; font-size: 1rem; line-height: 1.5; max-width: 36rem; }
.borrow-card { background: #fff; border-radius: calc(var(--tc-radius) + 4px); border: 1px solid rgba(28,36,35,0.07); padding: 1.25rem 1.15rem; margin-bottom: 0.85rem; box-shadow: 0 10px 32px rgba(28,36,35,0.04); }
.borrow-card-head { display: flex; gap: 0.85rem; margin-bottom: 1rem; align-items: flex-start; }
.borrow-step-num { width: 32px; height: 32px; border-radius: 10px; background: var(--tc-teal-soft); color: var(--tc-teal-dark); font-weight: 800; display: grid; place-items: center; flex-shrink: 0; font-size: 0.9rem; }
.borrow-card-head h2 { font-size: 1.05rem; margin: 0 0 0.15rem; font-family: var(--font-display); }
.borrow-card-head p { margin: 0; font-size: 0.88rem; color: var(--tc-muted); line-height: 1.4; }
.borrow-field-label { font-weight: 700; font-size: 0.88rem; margin-bottom: 0.35rem; display: block; }
.borrow-field-label-prominent { font-size: 0.95rem; margin-bottom: 0.2rem; }
.borrow-field-sublabel { font-size: 0.85rem; color: var(--tc-muted); margin: 0 0 0.5rem; }
.borrow-input-headline { border: 2px solid rgba(13,110,110,0.2); background: linear-gradient(180deg, #fff, var(--tc-teal-soft)); }
.borrow-input-headline:focus { border-color: var(--tc-teal); box-shadow: 0 0 0 3px rgba(13,110,110,0.12); }
.borrow-category-label { font-size: 0.78rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; color: var(--tc-muted); margin: 1rem 0 0.5rem; }
.borrow-input-lg { font-size: 1.05rem; padding: 0.75rem 0.9rem; border-radius: 12px; }
.borrow-purpose-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.5rem; margin-bottom: 1rem; }
@media (min-width: 576px) { .borrow-purpose-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 768px) { .borrow-purpose-grid { grid-template-columns: repeat(5, 1fr); } }
.borrow-purpose-chip { border: 2px solid rgba(28,36,35,0.08); background: var(--tc-sand); border-radius: 14px; padding: 0.65rem 0.5rem; text-align: center; cursor: pointer; transition: border-color 0.2s, transform 0.15s, background 0.2s; }
.borrow-purpose-chip:hover { border-color: rgba(13,110,110,0.35); transform: translateY(-1px); }
.borrow-purpose-chip.active { border-color: var(--tc-teal); background: var(--tc-teal-soft); box-shadow: 0 4px 16px rgba(13,110,110,0.12); }
.borrow-purpose-emoji { display: block; font-size: 1.35rem; line-height: 1.2; margin-bottom: 0.15rem; }
.borrow-purpose-label { display: block; font-weight: 800; font-size: 0.82rem; }
.borrow-purpose-chip small { display: block; font-size: 0.65rem; color: var(--tc-muted); margin-top: 0.1rem; line-height: 1.2; }
.borrow-amount-display { text-align: center; margin: 0.5rem 0 1rem; }
.borrow-amount-currency { display: block; font-size: 0.78rem; font-weight: 800; color: var(--tc-muted); letter-spacing: 0.06em; }
.borrow-amount-value { font-family: var(--font-display); font-size: clamp(2rem, 8vw, 2.75rem); font-weight: 650; color: var(--tc-teal-dark); line-height: 1; }
.borrow-amount-slider { width: 100%; accent-color: var(--tc-teal); margin-bottom: 0.75rem; }
.borrow-amount-presets { display: flex; flex-wrap: wrap; gap: 0.4rem; justify-content: center; }
.borrow-preset { border: 1px solid rgba(28,36,35,0.1); background: #fff; border-radius: 999px; padding: 0.35rem 0.7rem; font-size: 0.78rem; font-weight: 700; color: var(--tc-muted); cursor: pointer; }
.borrow-preset:hover, .borrow-preset.active { border-color: var(--tc-teal); color: var(--tc-teal-dark); background: var(--tc-teal-soft); }
.borrow-story { font-size: 1rem; line-height: 1.55; border-radius: 12px; resize: vertical; min-height: 160px; }
.borrow-story-meta { font-size: 0.78rem; color: var(--tc-muted); margin-top: 0.35rem; }
.borrow-ai-panel { margin-top: 1.15rem; padding: 1rem; border-radius: 14px; background: linear-gradient(135deg, rgba(13,110,110,0.06), rgba(13,110,110,0.02)); border: 1px dashed rgba(13,110,110,0.2); }
.borrow-ai-panel-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 0.75rem; margin-bottom: 0.85rem; }
.borrow-ai-panel-head p { font-size: 0.82rem; color: var(--tc-muted); margin-top: 0.15rem; }
.borrow-ai-badge { background: var(--tc-teal); color: #fff; font-size: 0.68rem; font-weight: 800; padding: 0.25rem 0.5rem; border-radius: 6px; letter-spacing: 0.04em; }
.borrow-ai-options { display: flex; flex-direction: column; gap: 0.75rem; margin-bottom: 0.85rem; }
.borrow-ai-group-label { display: block; font-size: 0.72rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.05em; color: var(--tc-muted); margin-bottom: 0.35rem; }
.borrow-pill-row { display: flex; flex-wrap: wrap; gap: 0.35rem; }
.borrow-pill { border: 1px solid rgba(28,36,35,0.12); background: #fff; border-radius: 999px; padding: 0.35rem 0.75rem; font-size: 0.78rem; font-weight: 700; color: var(--tc-muted); cursor: pointer; }
.borrow-pill.active { background: var(--tc-charcoal); color: #fff; border-color: var(--tc-charcoal); }
.borrow-ai-note { margin-top: 0.65rem; }
.borrow-ai-preview { margin-top: 0.85rem; padding: 0.85rem; border-radius: 12px; background: #fff; border: 2px solid rgba(13,110,110,0.25); box-shadow: 0 6px 20px rgba(13,110,110,0.08); }
.borrow-ai-preview-head { display: flex; justify-content: space-between; align-items: center; gap: 0.5rem; margin-bottom: 0.5rem; }
.borrow-ai-preview-meta { font-size: 0.72rem; color: var(--tc-muted); font-weight: 700; }
.borrow-ai-preview-body { font-size: 0.92rem; line-height: 1.55; color: var(--tc-charcoal); white-space: pre-wrap; max-height: 220px; overflow-y: auto; padding: 0.65rem 0.75rem; background: var(--tc-sand); border-radius: 10px; margin-bottom: 0.65rem; }
.borrow-ai-preview-actions { display: flex; align-items: center; gap: 0.5rem; flex-wrap: wrap; }
.borrow-ai-discard { font-size: 0.88rem; font-weight: 700; color: var(--tc-muted); text-decoration: none; padding: 0; }
.borrow-ai-discard:hover { color: var(--tc-charcoal); }
.borrow-submit { padding: 0.85rem 1rem; font-size: 1rem; margin-top: 0.25rem; margin-bottom: 1.5rem; border-radius: 14px; }
.borrow-preview-card { margin-bottom: 1rem; }
.borrow-preview-story { white-space: pre-wrap; line-height: 1.55; color: var(--tc-charcoal); margin: 0; font-size: 0.95rem; }
.borrow-score-card { padding: 1.5rem; }
.borrow-term-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.5rem; }
@media (min-width: 576px) { .borrow-term-grid { grid-template-columns: repeat(3, 1fr); } }
.borrow-term-chip { border: 2px solid rgba(28,36,35,0.08); background: var(--tc-sand); border-radius: 14px; padding: 0.75rem 0.65rem; text-align: left; cursor: pointer; transition: border-color 0.2s, background 0.2s; }
.borrow-term-chip strong { display: block; font-size: 0.92rem; }
.borrow-term-chip small { color: var(--tc-muted); font-size: 0.72rem; }
.borrow-term-chip.active { border-color: var(--tc-teal); background: var(--tc-teal-soft); }
.borrow-pill-row label.borrow-pill { cursor: pointer; }
.borrow-gaps ul { padding-left: 1.1rem; }
.strengthen-checklist { padding-bottom: 0.5rem; }
.strengthen-item { display: flex; gap: 0.75rem; align-items: flex-start; padding: 0.75rem 0; border-bottom: 1px solid rgba(28,36,35,0.06); text-decoration: none; color: inherit; }
.strengthen-item:last-child { border-bottom: none; }
.strengthen-check { width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; font-weight: 800; background: rgba(28,36,35,0.08); flex-shrink: 0; font-size: 0.85rem; }
.strengthen-item.is-done .strengthen-check { background: var(--tc-teal-soft); color: var(--tc-teal); }
.strengthen-item.is-required:not(.is-done) .strengthen-check { background: #f8d7da; color: #721c24; }
.strengthen-body strong { display: block; font-size: 0.92rem; }
.strengthen-body small { color: var(--tc-muted); font-size: 0.8rem; line-height: 1.35; }
.strengthen-req { font-style: normal; font-size: 0.68rem; font-weight: 800; color: #b85c38; text-transform: uppercase; letter-spacing: 0.04em; }
.strengthen-contact-list { list-style: none; padding: 0; margin: 0 0 1rem; }
.strengthen-contact-list li { display: flex; justify-content: space-between; align-items: center; padding: 0.55rem 0; border-bottom: 1px solid rgba(28,36,35,0.06); }
.screening-failed .screening-icon { background: #f8d7da; color: #721c24; }

/* GPS status */
.gps-status-box {
  padding: 0.75rem 0.9rem;
  border-radius: 12px;
  background: var(--tc-sand);
  border: 1px solid rgba(28,36,35,0.08);
  font-size: 0.9rem;
  font-weight: 600;
}

/* Profile page */
.profile-hero {
  background: linear-gradient(145deg, #fff 0%, var(--tc-teal-soft) 100%);
  border-radius: calc(var(--tc-radius) + 6px);
  border: 1px solid rgba(13,110,110,0.12);
  padding: 1.25rem 1.15rem;
  margin-bottom: 1rem;
  box-shadow: 0 12px 36px rgba(13,110,110,0.06);
}
.profile-hero-top { display: flex; align-items: center; gap: 0.85rem; margin-bottom: 1rem; }
.profile-hero-avatar { width: 64px; height: 64px; font-size: 1.35rem; flex-shrink: 0; }
.profile-hero-copy { flex: 1; min-width: 0; }
.profile-hero-name { font-family: var(--font-display); font-size: 1.35rem; margin: 0 0 0.15rem; line-height: 1.2; }
.profile-hero-meta { margin: 0; font-size: 0.85rem; color: var(--tc-muted); }
.profile-hero-score { text-align: center; flex-shrink: 0; }
.profile-hero-score span { display: block; font-size: 0.68rem; font-weight: 800; color: var(--tc-muted); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 0.25rem; }
.tc-score-ring-sm { width: 56px; height: 56px; font-size: 0.95rem; }
.tc-score-ring-sm strong { font-size: 1rem; }
.profile-ready { margin-top: 0.25rem; }
.profile-cta-grid { display: grid; gap: 0.65rem; margin-bottom: 1rem; }
@media (min-width: 640px) { .profile-cta-grid { grid-template-columns: repeat(3, 1fr); } }
.profile-cta {
  display: block; text-decoration: none; color: inherit;
  background: #fff; border: 1px solid rgba(28,36,35,0.08); border-radius: 16px;
  padding: 1rem 0.95rem; transition: border-color 0.2s, box-shadow 0.2s, transform 0.15s;
}
.profile-cta:hover { border-color: rgba(13,110,110,0.3); box-shadow: 0 8px 24px rgba(13,110,110,0.08); transform: translateY(-1px); color: inherit; }
.profile-cta-primary { background: linear-gradient(135deg, var(--tc-teal), #0a5a5a); color: #fff; border-color: transparent; }
.profile-cta-primary:hover { color: #fff; border-color: transparent; box-shadow: 0 10px 28px rgba(13,110,110,0.25); }
.profile-cta strong { display: block; font-size: 0.95rem; margin-bottom: 0.25rem; }
.profile-cta span { display: block; font-size: 0.78rem; line-height: 1.35; opacity: 0.85; }
.profile-cta-primary span { opacity: 0.9; }
.profile-gaps { margin-bottom: 1rem; }
.profile-gap-list { list-style: none; padding: 0; margin: 0; }
.profile-gap-list li a {
  display: flex; justify-content: space-between; align-items: center; gap: 0.75rem;
  padding: 0.65rem 0; border-bottom: 1px solid rgba(28,36,35,0.06);
  text-decoration: none; color: inherit; font-weight: 700; font-size: 0.9rem;
}
.profile-gap-list li:last-child a { border-bottom: none; }
.profile-gap-list small { color: var(--tc-teal); font-weight: 800; font-size: 0.72rem; text-transform: uppercase; }
.profile-mini-links { display: flex; gap: 0.85rem; font-size: 0.82rem; font-weight: 700; }
.profile-mini-links a { color: var(--tc-teal); text-decoration: none; }

/* Trust page */
.trust-hero { margin-bottom: 1.25rem; }
.trust-hero-row { display: flex; align-items: center; gap: 1.15rem; flex-wrap: wrap; }
.trust-hero-title { font-family: var(--font-display); font-size: clamp(1.45rem, 4vw, 1.85rem); margin: 0 0 0.35rem; }
.trust-hero-lead { margin: 0 0 0.85rem; color: var(--tc-muted); font-size: 0.95rem; max-width: 28rem; }
.trust-hero-actions { display: flex; flex-wrap: wrap; gap: 0.45rem; }
.trust-build-card { margin-bottom: 1rem; }
.trust-todo-list { list-style: none; padding: 0; margin: 0 0 0.75rem; }
.trust-todo-list li a {
  display: grid; grid-template-columns: 1fr auto; gap: 0.15rem 0.75rem;
  padding: 0.75rem 0; border-bottom: 1px solid rgba(28,36,35,0.06);
  text-decoration: none; color: inherit;
}
.trust-todo-list li:last-child a { border-bottom: none; }
.trust-todo-title { font-weight: 800; font-size: 0.92rem; grid-column: 1; }
.trust-todo-why { font-size: 0.78rem; color: var(--tc-muted); line-height: 1.35; grid-column: 1; }
.trust-todo-go { font-size: 0.72rem; font-weight: 800; color: var(--tc-teal); text-transform: uppercase; letter-spacing: 0.04em; align-self: center; grid-column: 2; grid-row: 1 / span 2; }
.trust-todo-list li.is-required .trust-todo-go { color: #b85c38; }
.trust-todo-list li.is-pending .trust-todo-go { color: #9a6b12; }
.trust-quick-links { display: flex; flex-wrap: wrap; gap: 0.5rem 0.85rem; padding-top: 0.5rem; border-top: 1px solid rgba(28,36,35,0.06); }
.trust-quick-links a { font-size: 0.82rem; font-weight: 700; color: var(--tc-teal); text-decoration: none; }
.borrow-progress-item { text-decoration: none; color: inherit; }

.strengthen-actions {
  display: flex;
  gap: 0.65rem;
  align-items: stretch;
  margin: 0.25rem 0 1.5rem;
}
.strengthen-actions .btn-tc,
.strengthen-actions a.btn-tc {
  flex: 1;
  text-align: center;
  text-decoration: none;
  margin: 0;
  padding: 0.55rem 0.85rem;
  font-size: 0.88rem;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.profile-gap-list small.is-review { color: #9a6b12; }
.profile-pending { border-color: rgba(154, 107, 18, 0.2); background: linear-gradient(180deg, #fffdf6, #fff); }

/* Home — profile card + loan actions */
.home-card {
  background: linear-gradient(145deg, #fff 0%, var(--tc-teal-soft) 100%);
  border-radius: calc(var(--tc-radius) + 8px);
  border: 1px solid rgba(13,110,110,0.12);
  padding: 1.2rem 1.15rem;
  margin-bottom: 0.85rem;
  box-shadow: 0 14px 40px rgba(13,110,110,0.08);
}
.home-card-top { display: flex; align-items: center; gap: 0.85rem; margin-bottom: 1rem; }
.home-card-avatar {
  width: 64px; height: 64px; font-size: 1.35rem; flex-shrink: 0;
  text-decoration: none; color: inherit;
}
.home-card-copy { flex: 1; min-width: 0; }
.home-card-kicker {
  text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.68rem;
  font-weight: 800; color: var(--tc-teal); margin: 0 0 0.2rem;
}
.home-card-name {
  font-family: var(--font-display); font-size: clamp(1.4rem, 4.5vw, 1.75rem);
  margin: 0 0 0.15rem; line-height: 1.15; color: var(--tc-charcoal);
}
.home-card-meta { margin: 0; font-size: 0.85rem; color: var(--tc-muted); }
.home-card-score { text-align: center; text-decoration: none; color: inherit; flex-shrink: 0; }
.home-card-score span {
  display: block; font-size: 0.65rem; font-weight: 800; color: var(--tc-muted);
  text-transform: uppercase; letter-spacing: 0.06em; margin-top: 0.25rem;
}

.home-money-row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.55rem;
}
.home-money {
  display: block; text-decoration: none; color: inherit;
  background: rgba(255,255,255,0.85); border: 1px solid rgba(28,36,35,0.06);
  border-radius: 14px; padding: 0.85rem 0.9rem;
  transition: transform 0.15s, box-shadow 0.2s;
}
.home-money:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(13,110,110,0.1); color: inherit; }
.home-money-label {
  display: block; font-size: 0.68rem; font-weight: 800; color: var(--tc-muted);
  text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 0.25rem;
}
.home-money-value {
  display: block; font-family: var(--font-display); font-size: clamp(1.15rem, 3.5vw, 1.4rem);
  font-weight: 650; color: var(--tc-teal-dark); line-height: 1.1;
}
.home-money-hint { display: block; font-size: 0.72rem; color: var(--tc-muted); margin-top: 0.25rem; }

.home-loan-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 0.65rem; margin-bottom: 1.15rem; }
.home-loan-cta {
  display: flex; flex-direction: column; justify-content: center; gap: 0.15rem;
  text-decoration: none; color: inherit; border-radius: 16px; padding: 1.2rem 1rem;
  border: 1px solid rgba(28,36,35,0.08); background: #fff;
  min-height: 92px; transition: transform 0.15s, box-shadow 0.2s;
}
.home-loan-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(13,110,110,0.12); color: inherit; }
.home-loan-cta strong { font-family: var(--font-display); font-size: 1.25rem; }
.home-loan-cta span { font-size: 0.82rem; color: var(--tc-muted); line-height: 1.3; }
.home-loan-cta-borrow { background: linear-gradient(135deg, var(--tc-teal), #0a5a5a); color: #fff; border-color: transparent; }
.home-loan-cta-borrow span { color: rgba(255,255,255,0.9); }
.home-loan-cta-borrow:hover { color: #fff; box-shadow: 0 12px 30px rgba(13,110,110,0.28); }
.home-loan-cta-lend { background: #fff; }

.home-empty-slim {
  text-align: center; padding: 1.35rem; background: #fff; border-radius: 14px;
  border: 1px dashed rgba(28,36,35,0.12); color: var(--tc-muted); font-size: 0.92rem;
}
.home-empty-slim p { margin: 0 0 0.35rem; }
.home-empty-slim a { font-weight: 800; color: var(--tc-teal); text-decoration: none; }

.discover-hero {
  display: flex; justify-content: space-between; align-items: flex-start; gap: 0.75rem;
  margin-bottom: 0.85rem;
}
.discover-title {
  font-family: var(--font-display); font-size: clamp(1.35rem, 4vw, 1.7rem);
  margin: 0 0 0.2rem; line-height: 1.15;
}
.discover-lead { margin: 0; color: var(--tc-muted); font-size: 0.9rem; }
.discover-search { margin-bottom: 0.65rem; }

.discover-list { display: flex; flex-direction: column; gap: 0.75rem; margin-bottom: 1.5rem; }
.discover-card {
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 16px;
  box-shadow: 0 8px 24px rgba(28,36,35,0.04); overflow: hidden;
  transition: box-shadow 0.2s, border-color 0.2s, transform 0.15s;
}
.discover-card:hover { box-shadow: 0 12px 32px rgba(13,110,110,0.1); border-color: rgba(13,110,110,0.18); transform: translateY(-1px); }
.discover-card-body {
  display: block; text-decoration: none; color: inherit; padding: 1rem 1.05rem 0.75rem;
}
.discover-card-body:hover { color: inherit; }
.discover-story {
  margin: 0.65rem 0 0; font-size: 0.9rem; line-height: 1.5; color: var(--tc-charcoal);
}
.discover-more { color: var(--tc-teal); font-weight: 800; font-size: 0.82rem; white-space: nowrap; }
.discover-funded { margin-top: 0.4rem; font-size: 0.78rem; font-weight: 700; color: var(--tc-muted); }
.discover-card-actions {
  display: flex; align-items: center; gap: 0.55rem;
  padding: 0.65rem 1.05rem 0.9rem; border-top: 1px solid rgba(28,36,35,0.06);
  background: linear-gradient(180deg, #fafbfa, #fff);
}
.discover-like {
  display: inline-flex; align-items: center; gap: 0.3rem;
  border: none; background: transparent; color: #9aa3a1;
  padding: 0.25rem 0.35rem; font-size: 0.9rem; font-weight: 700;
  cursor: pointer; line-height: 1; transition: color 0.15s, transform 0.15s;
}
.discover-like:hover { color: #c45c4a; transform: scale(1.06); }
.discover-like.is-on { color: #e11d48; }
.discover-like.is-disabled { cursor: default; opacity: 0.55; }
.discover-like.is-disabled:hover { transform: none; color: #9aa3a1; }
.discover-like-icon { font-size: 1.25rem; line-height: 1; }
.discover-like.is-on .discover-like-icon { filter: drop-shadow(0 1px 2px rgba(225,29,72,0.25)); }
.discover-like-count { font-variant-numeric: tabular-nums; font-size: 0.85rem; min-width: 0.75rem; }
.discover-like-count.is-empty { opacity: 0.45; }
.discover-like.is-on .discover-like-count { color: #e11d48; opacity: 1; }
.discover-lend-btn {
  margin-left: auto; padding: 0.5rem 1.1rem; border-radius: 999px;
  box-shadow: 0 6px 16px rgba(13,110,110,0.22);
}
.discover-lend-btn:hover { box-shadow: 0 8px 20px rgba(13,110,110,0.3); }

/* Loan detail */
.loan-detail { max-width: 40rem; margin: 0 auto 2rem; }
.loan-detail-hero {
  background: linear-gradient(145deg, #fff 0%, var(--tc-teal-soft) 100%);
  border: 1px solid rgba(13,110,110,0.12); border-radius: calc(var(--tc-radius) + 8px);
  padding: 1.35rem 1.2rem 1.15rem; margin: 0.5rem 0 0.85rem;
  box-shadow: 0 14px 40px rgba(13,110,110,0.08);
}
.loan-detail-amount {
  font-family: var(--font-display); font-size: clamp(2rem, 7vw, 2.6rem);
  font-weight: 650; color: var(--tc-teal-dark); line-height: 1; margin-bottom: 0.55rem;
}
.loan-detail-title {
  font-family: var(--font-display); font-size: clamp(1.2rem, 3.8vw, 1.45rem);
  margin: 0 0 0.65rem; line-height: 1.25;
}
.loan-detail-chips { display: flex; flex-wrap: wrap; gap: 0.4rem; margin-bottom: 1rem; }
.loan-chip {
  font-size: 0.72rem; font-weight: 800; color: var(--tc-muted);
  background: rgba(255,255,255,0.75); border: 1px solid rgba(28,36,35,0.08);
  border-radius: 999px; padding: 0.28rem 0.65rem;
}
.loan-detail-progress .tc-progress { height: 8px; }
.loan-detail-remaining {
  margin: 0.55rem 0 0; font-size: 0.88rem; font-weight: 800; color: var(--tc-teal-dark);
}
.loan-detail-person {
  display: flex; align-items: center; gap: 0.7rem;
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 16px;
  padding: 0.85rem 1rem; margin-bottom: 0.85rem;
}
.loan-detail-person-copy { flex: 1; min-width: 0; }
.loan-detail-person-copy strong { display: block; font-size: 0.98rem; }
.loan-detail-person-copy small { display: block; color: var(--tc-muted); font-size: 0.78rem; }
.loan-detail-avatar { width: 48px; height: 48px; font-size: 1.05rem; flex-shrink: 0; }
.loan-detail-profile-link { font-size: 0.82rem; font-weight: 800; color: var(--tc-teal); text-decoration: none; flex-shrink: 0; }
.loan-detail-story, .loan-detail-block {
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 16px;
  padding: 1.1rem 1.15rem; margin-bottom: 0.85rem;
}
.loan-detail-section-title {
  font-size: 0.72rem; font-weight: 800; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--tc-muted); margin: 0 0 0.65rem;
}
.loan-detail-story p,
.loan-detail-story-body {
  margin: 0; white-space: pre-wrap; line-height: 1.6; font-size: 1rem; color: var(--tc-charcoal);
}
.loan-detail-actions {
  display: flex; align-items: center; gap: 0.55rem;
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 16px;
  padding: 0.75rem 1rem; margin-bottom: 0.85rem;
  position: sticky; bottom: calc(0.75rem + env(safe-area-inset-bottom, 0px));
  box-shadow: 0 10px 28px rgba(28,36,35,0.08); z-index: 5;
}
.loan-detail-actions .discover-lend-btn { flex: 1; text-align: center; margin-left: 0; }
.loan-hero-cta { margin-top: 1rem; padding: 0.85rem 1rem; font-size: 1rem; border-radius: 14px; }
.loan-fund-panel {
  border-color: rgba(13,110,110,0.22);
  box-shadow: 0 12px 32px rgba(13,110,110,0.08);
  scroll-margin-top: 5.5rem;
}
.loan-fund-lead { margin: 0 0 0.75rem; font-size: 0.92rem; line-height: 1.45; color: var(--tc-charcoal); }
.loan-fund-submit { padding: 0.9rem 1rem; font-size: 1.02rem; border-radius: 14px; }
.loan-flash {
  border-radius: 12px; padding: 0.85rem 1rem; margin: 0.5rem 0 0.85rem;
  font-size: 0.9rem; font-weight: 700; line-height: 1.4;
}
.loan-flash.is-ok { background: #e8f7f2; border: 1px solid rgba(13,110,110,0.2); color: #0a5252; }
.loan-sticky-cta {
  position: sticky; bottom: 0; z-index: 20;
  display: flex; align-items: center; gap: 0.75rem;
  padding: 0.75rem 1rem calc(0.75rem + env(safe-area-inset-bottom, 0px));
  background: rgba(255,255,255,0.96); border-top: 1px solid rgba(28,36,35,0.08);
  box-shadow: 0 -8px 28px rgba(28,36,35,0.08); backdrop-filter: blur(8px);
  margin: 0 -0.15rem;
}
.loan-sticky-meta { flex: 1; min-width: 0; line-height: 1.2; }
.loan-sticky-meta strong { display: block; font-family: var(--font-display); font-size: 1.05rem; color: var(--tc-teal-dark); }
.loan-sticky-meta span { font-size: 0.72rem; font-weight: 700; color: var(--tc-muted); text-transform: uppercase; letter-spacing: 0.04em; }
.loan-sticky-cta .btn-tc { flex-shrink: 0; padding: 0.7rem 1.15rem; border-radius: 999px; }
.loan-detail { padding-bottom: 5.5rem; }
.loan-wait { padding: 1.25rem 0.5rem; }
.loan-trust-compact { padding-top: 0.95rem; padding-bottom: 0.95rem; }
.loan-backers { list-style: none; padding: 0; margin: 0; }
.loan-backers li {
  display: flex; justify-content: space-between; align-items: center; gap: 0.75rem;
  padding: 0.55rem 0; border-bottom: 1px solid rgba(28,36,35,0.06); font-size: 0.92rem;
}
.loan-backers li:last-child { border-bottom: none; padding-bottom: 0; }
.loan-trust-row { display: flex; align-items: center; gap: 0.85rem; }
.loan-detail-ai p { font-size: 0.92rem; line-height: 1.5; color: var(--tc-muted); }
.loan-repay-row {
  display: flex; justify-content: space-between; align-items: center; gap: 0.75rem;
  padding: 0.65rem 0; border-bottom: 1px solid rgba(28,36,35,0.06);
}
.loan-repay-row:last-of-type { border-bottom: none; }

.trust-hero-actions { display: flex; flex-wrap: wrap; gap: 0.45rem; }

/* Older home helpers still used by loan list */
.home-hero {
  background: linear-gradient(145deg, #0d6e6e 0%, #0a5252 55%, #0f3f3f 100%);
  color: #fff;
  border-radius: calc(var(--tc-radius) + 8px);
  padding: 1.35rem 1.2rem;
  margin-bottom: 1rem;
  box-shadow: 0 18px 44px rgba(13,110,110,0.28);
  position: relative;
  overflow: hidden;
}
.home-hero::after {
  content: '';
  position: absolute;
  inset: auto -20% -40% 40%;
  height: 180px;
  background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 70%);
  pointer-events: none;
}
.home-hero-top { display: flex; align-items: center; gap: 0.85rem; margin-bottom: 1rem; position: relative; z-index: 1; }
.home-hero-avatar { width: 58px; height: 58px; font-size: 1.25rem; flex-shrink: 0; border: 2px solid rgba(255,255,255,0.35); }
.home-hero-copy { flex: 1; min-width: 0; }
.home-hero-copy .borrow-kicker { color: rgba(255,255,255,0.75); }
.home-hero-name { font-family: var(--font-display); font-size: clamp(1.45rem, 4.5vw, 1.9rem); margin: 0 0 0.2rem; color: #fff; line-height: 1.15; }
.home-hero-lead { margin: 0; font-size: 0.9rem; opacity: 0.88; line-height: 1.4; }
.home-hero-score { text-align: center; text-decoration: none; color: #fff; flex-shrink: 0; }
.home-hero-score span { display: block; font-size: 0.65rem; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; opacity: 0.8; margin-top: 0.25rem; }
.home-hero .tc-score-ring-sm {
  background:
    radial-gradient(closest-side, rgba(13,80,80,0.95) 78%, transparent 79% 100%),
    conic-gradient(#7ed9d0 calc(var(--score) * 1%), rgba(255,255,255,0.2) 0);
}
.home-hero .tc-score-ring-sm strong { color: #fff; }
.home-ready { position: relative; z-index: 1; }
.home-ready strong { font-size: 0.88rem; }
.home-ready .tc-muted { color: rgba(255,255,255,0.7) !important; }
.home-ready .tc-progress { background: rgba(255,255,255,0.18); }
.home-ready .tc-progress span { background: #7ed9d0; }

.home-cta-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.65rem; margin-bottom: 1rem; }
@media (min-width: 768px) { .home-cta-grid { grid-template-columns: repeat(4, 1fr); } }
.home-cta {
  display: block; text-decoration: none; color: inherit;
  background: #fff; border: 1px solid rgba(28,36,35,0.08); border-radius: 16px;
  padding: 1rem 0.9rem; transition: transform 0.15s, box-shadow 0.2s, border-color 0.2s;
}
.home-cta:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(13,110,110,0.1); border-color: rgba(13,110,110,0.25); color: inherit; }
.home-cta-primary { background: linear-gradient(135deg, var(--tc-teal), #0a5a5a); color: #fff; border-color: transparent; }
.home-cta-primary:hover { color: #fff; border-color: transparent; box-shadow: 0 12px 30px rgba(13,110,110,0.28); }
.home-cta strong { display: block; font-size: 0.92rem; margin-bottom: 0.2rem; }
.home-cta span { display: block; font-size: 0.75rem; line-height: 1.35; opacity: 0.85; }

.home-pending-card, .home-next-card { margin-bottom: 1rem; }
.home-todo-list { list-style: none; padding: 0; margin: 0; }
.home-todo-list li a {
  display: grid; grid-template-columns: 1fr auto; gap: 0.1rem 0.75rem;
  padding: 0.7rem 0; border-bottom: 1px solid rgba(28,36,35,0.06);
  text-decoration: none; color: inherit;
}
.home-todo-list li:last-child a { border-bottom: none; }
.home-todo-title { font-weight: 800; font-size: 0.9rem; }
.home-todo-why { font-size: 0.76rem; color: var(--tc-muted); grid-column: 1; }
.home-todo-go { font-size: 0.7rem; font-weight: 800; color: #9a6b12; text-transform: uppercase; align-self: center; grid-row: 1 / span 2; }

.home-stat-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.55rem; margin-bottom: 1.25rem; }
@media (min-width: 640px) { .home-stat-row { grid-template-columns: repeat(4, 1fr); } }
.home-stat {
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 14px;
  padding: 0.85rem 0.9rem; text-decoration: none; color: inherit;
  transition: transform 0.15s, box-shadow 0.2s;
}
.home-stat:hover { transform: translateY(-1px); box-shadow: 0 8px 22px rgba(28,36,35,0.06); color: inherit; }
.home-stat-label { display: block; font-size: 0.72rem; font-weight: 800; color: var(--tc-muted); text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 0.25rem; }
.home-stat-value { font-family: var(--font-display); font-size: 1.45rem; font-weight: 650; color: var(--tc-teal-dark); line-height: 1; }
.home-stat-link { font-size: 1.05rem; }

.home-section-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 0.65rem; }
.home-section-title { font-family: var(--font-display); font-size: 1.15rem; margin: 0; }
.home-section-head a { font-weight: 700; font-size: 0.88rem; color: var(--tc-teal); text-decoration: none; }

.home-loan-list { display: flex; flex-direction: column; gap: 0.65rem; margin-bottom: 1.5rem; }
.home-loan-card {
  display: block; text-decoration: none; color: inherit;
  background: #fff; border: 1px solid rgba(28,36,35,0.07); border-radius: 16px;
  padding: 1rem 1.05rem; box-shadow: 0 8px 24px rgba(28,36,35,0.04);
  transition: transform 0.15s, box-shadow 0.2s, border-color 0.2s;
}
.home-loan-card:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(13,110,110,0.1); border-color: rgba(13,110,110,0.2); color: inherit; }
.home-loan-top { display: flex; justify-content: space-between; gap: 0.75rem; }
.home-loan-title { font-weight: 800; font-size: 0.98rem; }
.home-loan-meta { font-size: 0.78rem; color: var(--tc-muted); margin-top: 0.15rem; }
.home-loan-amt { text-align: right; flex-shrink: 0; }
.home-loan-amt strong { display: block; font-size: 0.95rem; margin-bottom: 0.25rem; }
.home-loan-foot { display: flex; justify-content: space-between; margin-top: 0.45rem; font-size: 0.78rem; font-weight: 700; color: var(--tc-muted); }
.home-empty { text-align: center; padding: 1.75rem 1.25rem; }
.home-empty-icon { font-size: 1.75rem; opacity: 0.45; margin-bottom: 0.35rem; }

/* Submissions */
.submissions-hero { margin-bottom: 1rem; }
.submissions-banner {
  display: flex; flex-direction: column; gap: 0.2rem;
  padding: 0.9rem 1rem; margin-bottom: 1rem; border-radius: 14px;
  background: #fff8e8; border: 1px solid rgba(154,107,18,0.22); color: #5c4508;
}
.submissions-banner a { color: inherit; font-weight: 800; }
.submissions-banner.is-ok { background: #e8f7f2; border-color: rgba(13,110,110,0.2); color: #0a5252; }
.submissions-banner.is-warn { background: #fdecea; border-color: rgba(184,92,56,0.25); color: #7a2e1a; }
.submission-card {
  padding: 0.85rem 0; border-bottom: 1px solid rgba(28,36,35,0.06);
}
.submission-card:last-child { border-bottom: none; }
.submission-card.is-pending { background: linear-gradient(90deg, rgba(255,248,232,0.65), transparent); margin: 0 -0.5rem; padding-left: 0.5rem; padding-right: 0.5rem; border-radius: 10px; }
.submission-card.is-highlight { box-shadow: inset 3px 0 0 #c4921a; }
.submission-card-head { display: flex; justify-content: space-between; gap: 0.75rem; align-items: flex-start; margin-bottom: 0.5rem; }
.submission-notes { font-size: 0.85rem; color: var(--tc-muted); margin: 0 0 0.5rem; }
.submission-files { display: flex; flex-wrap: wrap; gap: 0.45rem; }
.submission-file {
  display: inline-flex; flex-direction: column; gap: 0.1rem;
  padding: 0.55rem 0.75rem; border-radius: 12px; text-decoration: none;
  background: var(--tc-sand); border: 1px solid rgba(28,36,35,0.08); color: inherit;
  min-width: 120px; transition: border-color 0.15s, background 0.15s;
}
.submission-file:hover { border-color: rgba(13,110,110,0.35); background: var(--tc-teal-soft); color: inherit; }
.submission-file-label { font-weight: 800; font-size: 0.82rem; }
.submission-file-meta { font-size: 0.72rem; color: var(--tc-muted); text-transform: uppercase; font-weight: 700; }

.tc-badge.pending { background: #fff3cd; color: #856404; }
.tc-badge.approved, .tc-badge.reviewed { background: #d1e7dd; color: #0f5132; }
.tc-badge.rejected { background: #f8d7da; color: #842029; }

/* ── Marketing site / landing ── */
.btn-tc-lg {
  padding: 0.85rem 1.5rem;
  font-size: 1rem;
}
.tc-nav-landing {
  background: rgba(250, 247, 241, 0.92);
}
.tc-site-home .tc-nav {
  position: fixed;
  inset: 0 0 auto;
  width: 100%;
}
.tc-site-page .tc-nav {
  position: fixed;
  inset: 0 0 auto;
  width: 100%;
}
.tc-site-home {
  padding-top: 0;
}
.tc-site-page {
  padding-top: 0;
}

/* Inner marketing pages (about, contact) */
.tc-lp-page-hero {
  position: relative;
  padding: 7rem 0 3.5rem;
  color: #fff;
  overflow: hidden;
}
.tc-lp-page-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 42rem;
}
.tc-lp-page-hero h1 {
  color: #fff;
  font-size: clamp(2rem, 5vw, 2.85rem);
  line-height: 1.1;
  margin: 0 0 1rem;
}
.tc-lp-page-hero h1 em {
  font-style: normal;
  color: #b8ebe8;
}
.tc-lp-page-section {
  padding: 4.5rem 0;
}

.tc-lp-journey {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.85rem;
  max-width: 640px;
  margin-inline: auto;
  counter-reset: journey;
}
.tc-lp-journey li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.35rem 1rem;
  padding: 1.15rem 1.25rem;
  border-radius: calc(var(--tc-radius) + 2px);
  border: 1px solid rgba(28, 36, 35, 0.08);
  background: #fff;
  box-shadow: 0 8px 28px rgba(28, 36, 35, 0.04);
  counter-increment: journey;
}
.tc-lp-journey li::before {
  content: counter(journey, decimal-leading-zero);
  grid-row: span 2;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 650;
  color: var(--tc-teal);
  line-height: 1;
  padding-top: 0.15rem;
}
.tc-lp-journey strong {
  font-size: 1.02rem;
  color: var(--tc-charcoal);
}
.tc-lp-journey span {
  grid-column: 2;
  color: var(--tc-muted);
  font-size: 0.92rem;
  line-height: 1.5;
}

.tc-lp-info-stack {
  display: grid;
  gap: 1rem;
}
.tc-lp-info-card {
  padding: 1.35rem 1.25rem;
  border-radius: calc(var(--tc-radius) + 2px);
  background: #fff;
  border: 1px solid rgba(28, 36, 35, 0.08);
  box-shadow: 0 8px 28px rgba(28, 36, 35, 0.04);
}
.tc-lp-info-card-muted {
  background: var(--tc-cream);
}
.tc-lp-info-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--tc-teal);
  margin: 0 0 0.35rem;
}
.tc-lp-info-card h3 {
  font-size: 1.1rem;
  margin: 0 0 0.45rem;
}
.tc-lp-info-card p {
  margin: 0;
  color: var(--tc-muted);
  font-size: 0.92rem;
  line-height: 1.55;
}
.tc-lp-info-card a {
  font-weight: 700;
}

.tc-lp-contact-section {
  background: var(--tc-cream);
}
.tc-lp-contact-grid {
  display: grid;
  gap: 1.5rem;
  align-items: start;
}
.tc-lp-contact-card {
  background: #fff;
  border: 1px solid rgba(28, 36, 35, 0.08);
  border-radius: calc(var(--tc-radius) + 4px);
  padding: 2rem 1.75rem;
  box-shadow: var(--tc-shadow);
}
.tc-lp-contact-card h2 {
  font-size: clamp(1.4rem, 3vw, 1.75rem);
  margin: 0 0 0.5rem;
}
.tc-lp-contact-intro {
  color: var(--tc-muted);
  margin: 0 0 1.5rem;
  line-height: 1.6;
}
.tc-lp-alert {
  border-radius: 12px;
  margin-bottom: 1.25rem;
}
.tc-lp-contact-aside {
  display: grid;
  gap: 1rem;
}
.tc-lp-cta-compact {
  padding: 3rem 0 4rem;
}

@media (min-width: 768px) {
  .tc-lp-page-hero {
    padding: 8rem 0 4rem;
  }
  .tc-lp-contact-grid {
    grid-template-columns: 1.15fr 0.85fr;
    gap: 2rem;
  }
}

.tc-lp-eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.72);
  margin: 0 0 1rem;
}
.tc-lp-eyebrow-dark {
  color: var(--tc-teal);
}

.tc-lp-hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  align-items: center;
  padding: 6rem 0 4rem;
  overflow: hidden;
  color: #fff;
}
.tc-lp-hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 20% 20%, rgba(13, 110, 110, 0.45), transparent 55%),
    radial-gradient(ellipse 60% 50% at 85% 15%, rgba(196, 92, 38, 0.18), transparent 50%),
    linear-gradient(165deg, #0a5252 0%, #1c2423 48%, #0d3d3d 100%);
}
.tc-lp-hero-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: url("../img/hero.jpg") center/cover no-repeat;
  opacity: 0.22;
  mix-blend-mode: luminosity;
}
.tc-lp-hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 3rem;
  align-items: center;
}
.tc-lp-hero-copy h1 {
  color: #fff;
  font-size: clamp(2rem, 5.5vw, 3.35rem);
  line-height: 1.08;
  margin: 0 0 1.1rem;
  max-width: 16ch;
}
.tc-lp-hero-copy h1 em {
  font-style: normal;
  color: #b8ebe8;
}
.tc-lp-lead {
  font-size: 1.08rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.86);
  max-width: 38rem;
  margin: 0 0 1.75rem;
}
.tc-lp-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-bottom: 2rem;
}
.tc-lp-hero-actions .btn-tc-outline {
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff !important;
}
.tc-lp-hero-actions .btn-tc-outline:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: #fff;
  color: #fff !important;
}
.tc-lp-trust-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  max-width: 28rem;
}
.tc-lp-trust-bar div {
  padding: 0.85rem 0.75rem;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
}
.tc-lp-trust-bar strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1rem;
  color: #fff;
}
.tc-lp-trust-bar span {
  font-size: 0.72rem;
  color: rgba(255, 255, 255, 0.65);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
}

.tc-lp-phone {
  max-width: 280px;
  margin-inline: auto;
  padding: 0.65rem;
  border-radius: 28px;
  background: linear-gradient(145deg, rgba(255,255,255,0.18), rgba(255,255,255,0.04));
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.35);
  animation: tcFadeUp 1s ease 0.15s both;
}
.tc-lp-phone-screen {
  background: var(--tc-cream);
  border-radius: 22px;
  padding: 1.1rem;
  color: var(--tc-charcoal);
}
.tc-lp-phone-head {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--tc-teal);
  margin-bottom: 0.75rem;
}
.tc-lp-phone-score {
  display: flex;
  align-items: baseline;
  gap: 0.35rem;
  font-family: var(--font-display);
  margin-bottom: 1rem;
}
.tc-lp-phone-score span {
  font-size: 2.2rem;
  font-weight: 650;
  color: var(--tc-teal-dark);
}
.tc-lp-phone-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
  margin-bottom: 0.85rem;
}
.tc-lp-phone-cards div {
  background: #fff;
  border-radius: 12px;
  padding: 0.55rem 0.65rem;
  border: 1px solid rgba(28, 36, 35, 0.06);
}
.tc-lp-phone-cards small {
  display: block;
  font-size: 0.62rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--tc-muted);
  font-weight: 700;
}
.tc-lp-phone-cards strong {
  font-family: var(--font-display);
  font-size: 0.95rem;
}
.tc-lp-phone-feed {
  background: var(--tc-teal-soft);
  border-radius: 12px;
  padding: 0.65rem 0.75rem;
}
.tc-lp-phone-feed small {
  font-size: 0.65rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--tc-teal);
}
.tc-lp-phone-feed p {
  margin: 0.25rem 0 0;
  font-size: 0.82rem;
  font-weight: 600;
  line-height: 1.35;
}

.tc-lp-card-private {
  font-size: 0.88rem;
  color: var(--tc-muted);
  font-style: italic;
}
.tc-lp-amount-mask {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--tc-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.tc-lp-problem {
  padding: 4rem 0;
  background: #fff;
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
}
.tc-lp-problem-inner {
  display: grid;
  gap: 1.25rem;
  align-items: start;
}
.tc-lp-problem h2 {
  font-size: clamp(1.6rem, 4vw, 2.1rem);
  margin: 0;
  max-width: 22ch;
}
.tc-lp-problem p {
  margin: 0;
  color: var(--tc-muted);
  font-size: 1.05rem;
  line-height: 1.65;
  max-width: 36rem;
}

.tc-lp-live {
  padding: 4.5rem 0;
  background: var(--tc-cream);
}
.tc-lp-section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.tc-lp-section-head-center {
  text-align: center;
  flex-direction: column;
  align-items: center;
}
.tc-lp-section-head h2 {
  font-size: clamp(1.7rem, 4vw, 2.35rem);
  margin: 0;
}
.tc-lp-sub {
  color: var(--tc-muted);
  max-width: 36rem;
  margin: 0.75rem 0 0;
}
.tc-lp-link {
  font-weight: 700;
  white-space: nowrap;
}
.tc-lp-live-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr));
}
.tc-lp-card {
  display: block;
  background: #fff;
  border: 1px solid rgba(28, 36, 35, 0.07);
  border-radius: calc(var(--tc-radius) + 2px);
  padding: 1.15rem;
  color: inherit;
  text-decoration: none;
  box-shadow: 0 8px 28px rgba(28, 36, 35, 0.04);
  transition: transform 0.2s, box-shadow 0.2s;
}
.tc-lp-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--tc-shadow);
  color: inherit;
}
.tc-lp-card-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.65rem;
}
.tc-lp-pill {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.25rem 0.55rem;
  border-radius: 999px;
  background: var(--tc-teal-soft);
  color: var(--tc-teal-dark);
}
.tc-lp-amount {
  font-family: var(--font-display);
  font-weight: 650;
  font-size: 1.05rem;
}
.tc-lp-card h3 {
  font-size: 1.05rem;
  margin: 0 0 0.45rem;
  line-height: 1.35;
}
.tc-lp-card p {
  font-size: 0.88rem;
  color: var(--tc-muted);
  margin: 0 0 0.65rem;
  line-height: 1.45;
}
.tc-lp-card-meta {
  font-size: 0.8rem;
  color: var(--tc-muted);
  margin-bottom: 0.65rem;
}
.tc-lp-progress {
  height: 6px;
  border-radius: 999px;
  background: var(--tc-sand-deep);
  overflow: hidden;
  margin-bottom: 0.45rem;
}
.tc-lp-progress span {
  display: block;
  height: 100%;
  border-radius: inherit;
  background: linear-gradient(90deg, var(--tc-teal), #14a89a);
}
.tc-lp-card-foot {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--tc-teal-dark);
}

.tc-lp-how {
  padding: 5rem 0;
  background: #fff;
}
.tc-lp-split {
  display: grid;
  gap: 1.5rem;
}
.tc-lp-path {
  padding: 2rem 1.75rem;
  border-radius: calc(var(--tc-radius) + 4px);
  border: 1px solid rgba(28, 36, 35, 0.08);
  background: linear-gradient(180deg, #fff, var(--tc-cream));
}
.tc-lp-path-icon {
  width: 2.5rem;
  height: 2.5rem;
  display: grid;
  place-items: center;
  border-radius: 12px;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.tc-lp-path-lend {
  background: var(--tc-teal-soft);
  color: var(--tc-teal-dark);
}
.tc-lp-path-borrow {
  background: rgba(196, 92, 38, 0.12);
  color: var(--tc-accent);
}
.tc-lp-path h3 {
  font-size: 1.35rem;
  margin-bottom: 1rem;
}
.tc-lp-steps {
  margin: 0 0 1.5rem;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.85rem;
}
.tc-lp-steps li {
  font-size: 0.92rem;
  color: var(--tc-muted);
  line-height: 1.5;
  padding-left: 1rem;
  border-left: 2px solid var(--tc-sand-deep);
}
.tc-lp-steps strong {
  color: var(--tc-charcoal);
}

.tc-lp-principles {
  padding: 5rem 0;
  background: linear-gradient(180deg, var(--tc-teal-dark), #0a4545);
  color: #fff;
}
.tc-lp-principles h2 {
  color: #fff;
}
.tc-lp-principle-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
}
.tc-lp-principle {
  padding: 1.35rem;
  border-radius: var(--tc-radius);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
}
.tc-lp-principle span {
  font-family: var(--font-display);
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.45);
  display: block;
  margin-bottom: 0.5rem;
}
.tc-lp-principle h3 {
  color: #fff;
  font-size: 1.05rem;
  margin-bottom: 0.45rem;
}
.tc-lp-principle p {
  margin: 0;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.55;
}

.tc-lp-ai {
  padding: 5rem 0;
  background: var(--tc-sand);
}
.tc-lp-ai-grid {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}
.tc-lp-ai h2 {
  font-size: clamp(1.6rem, 4vw, 2.1rem);
  margin-bottom: 0.85rem;
}
.tc-lp-ai p {
  color: var(--tc-muted);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}
.tc-lp-checklist {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.55rem;
}
.tc-lp-checklist li {
  padding-left: 1.5rem;
  position: relative;
  font-weight: 600;
  color: var(--tc-charcoal);
}
.tc-lp-checklist li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--tc-teal);
  font-weight: 700;
}
.tc-lp-score-card {
  background: #fff;
  border-radius: calc(var(--tc-radius) + 4px);
  padding: 1.5rem;
  border: 1px solid rgba(28, 36, 35, 0.08);
  box-shadow: var(--tc-shadow);
}
.tc-lp-score-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--tc-teal);
  margin-bottom: 1rem;
}
.tc-lp-score-row,
.tc-lp-score-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
  font-size: 0.92rem;
}
.tc-lp-score-row span {
  color: var(--tc-muted);
}
.tc-lp-score-total {
  border-bottom: none;
  padding-top: 0.85rem;
  font-weight: 700;
}
.tc-lp-score-total strong {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--tc-teal-dark);
}

.tc-lp-vision {
  padding: 4.5rem 0;
  background: #fff;
  text-align: center;
}
.tc-lp-vision-inner {
  max-width: 720px;
}
.tc-lp-vision blockquote {
  margin: 0 0 1rem;
}
.tc-lp-vision blockquote p {
  font-family: var(--font-display);
  font-size: clamp(1.35rem, 3.5vw, 1.85rem);
  line-height: 1.35;
  color: var(--tc-charcoal);
  margin: 0;
}
.tc-lp-vision-sub {
  color: var(--tc-muted);
  margin: 0;
  line-height: 1.6;
}

.tc-lp-cta {
  padding: 4rem 0 5rem;
  background: linear-gradient(135deg, var(--tc-teal) 0%, var(--tc-teal-dark) 100%);
  color: #fff;
}
.tc-lp-cta-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.tc-lp-cta h2 {
  color: #fff;
  font-size: clamp(1.6rem, 4vw, 2rem);
  margin: 0 0 0.35rem;
}
.tc-lp-cta p {
  margin: 0;
  color: rgba(255, 255, 255, 0.82);
}
.tc-lp-cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.tc-lp-cta-outline {
  border-color: rgba(255, 255, 255, 0.5) !important;
  color: #fff !important;
}
.tc-lp-cta-outline:hover {
  background: rgba(255, 255, 255, 0.12) !important;
  border-color: #fff !important;
  color: #fff !important;
}

.tc-footer-landing {
  padding: 3rem 0 2rem;
  background: var(--tc-charcoal);
  color: rgba(255, 255, 255, 0.65);
  border-top: none;
}
.tc-footer-grid {
  display: grid;
  gap: 2rem;
  grid-template-columns: 1.4fr 1fr 1fr;
  margin-bottom: 2rem;
}
.tc-footer-brand .tc-brand {
  color: #fff;
  font-size: 1.35rem;
  margin-bottom: 0.5rem;
}
.tc-footer-brand .tc-brand span {
  color: #6dd4cc;
}
.tc-footer-tagline {
  margin: 0;
  font-size: 0.92rem;
  max-width: 22rem;
  line-height: 1.55;
}
.tc-footer-heading {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 0.75rem;
}
.tc-footer-grid a {
  display: block;
  color: rgba(255, 255, 255, 0.82);
  margin: 0 0 0.45rem;
  font-weight: 600;
}
.tc-footer-grid a:hover {
  color: #fff;
}
.tc-footer-copy {
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.85rem;
}

/* ── PWA guest auth ── */
.tc-guest-top {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 56px;
  padding: 0 1rem;
  background: rgba(250, 247, 241, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(28, 36, 35, 0.06);
}
.tc-guest-main {
  min-height: calc(100svh - 56px);
}
.tc-auth-app .tc-auth-panel {
  background: #fff;
}
.tc-auth-kicker {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--tc-teal);
  margin-bottom: 0.35rem;
}
.tc-auth-links a {
  font-weight: 600;
}

@media (min-width: 768px) {
  .tc-lp-hero-grid {
    grid-template-columns: 1.1fr 0.9fr;
  }
  .tc-lp-problem-inner {
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
  }
  .tc-lp-split {
    grid-template-columns: 1fr 1fr;
  }
  .tc-lp-ai-grid {
    grid-template-columns: 1fr 1fr;
  }
  .tc-lp-trust-bar {
    max-width: 100%;
  }
}
@media (max-width: 767px) {
  .tc-lp-trust-bar {
    grid-template-columns: 1fr;
    max-width: 16rem;
  }
  .tc-lp-hero-visual {
    display: none;
  }
  .tc-footer-grid {
    grid-template-columns: 1fr;
  }
}