:root {
  color-scheme: light;
  --ink: #162331;
  --muted: #667587;
  --line: #dce4eb;
  --surface: #ffffff;
  --soft: #f3f6f8;
  --navy: #0b365f;
  --blue: #17659d;
  --orange: #ec6b22;
  --green: #147a57;
  --danger: #b7362d;
  --shadow: 0 18px 55px rgba(20, 43, 65, 0.12);
}

* { box-sizing: border-box; }
body { margin: 0; color: var(--ink); background: var(--soft); font-family: Inter, "Segoe UI", Arial, sans-serif; }
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
button { cursor: pointer; }

.portal-header,
.rates-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 76px;
  padding: 12px clamp(18px, 5vw, 70px);
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}

.portal-brand { display: inline-flex; align-items: center; gap: 13px; min-width: 0; color: var(--navy); }
.portal-brand img { width: 150px; height: 52px; object-fit: contain; }
.portal-brand strong, .portal-brand small { display: block; letter-spacing: 0; }
.portal-brand strong { max-width: 240px; font-size: 10px; line-height: 1.35; }
.portal-brand small { margin-top: 2px; color: var(--muted); font-size: 12px; }
.header-link, .text-button { color: var(--blue); font-weight: 800; }
.header-link:hover, .text-button:hover { color: var(--orange); }

.auth-layout,
.application-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(390px, 0.72fr);
  min-height: calc(100vh - 76px);
}

.auth-intro,
.application-copy {
  min-width: 0;
  display: grid;
  align-content: center;
  padding: clamp(42px, 8vw, 110px) clamp(22px, 7vw, 96px);
  color: #fff;
  background:
    linear-gradient(115deg, rgba(8, 44, 78, 0.96), rgba(18, 88, 137, 0.86)),
    url("https://images.unsplash.com/photo-1494412651409-8963ce7935a7?auto=format&fit=crop&w=1800&q=82") center/cover;
}

.auth-intro h1,
.application-copy h1,
.single-form-layout h1,
.rates-title h1 { margin: 0; letter-spacing: 0; line-height: 1.05; }
.auth-intro h1, .application-copy h1 { max-width: 720px; font-size: clamp(42px, 6vw, 72px); }
.auth-intro > p:not(.portal-eyebrow), .application-copy > p:not(.portal-eyebrow) { max-width: 650px; margin: 22px 0 0; color: rgba(255,255,255,.8); font-size: 18px; line-height: 1.75; }
.application-copy > p { overflow-wrap: anywhere; }
.auth-intro ul { display: grid; gap: 12px; margin: 30px 0 0; padding: 0; list-style: none; color: rgba(255,255,255,.78); }
.auth-intro li { padding-left: 18px; border-left: 3px solid var(--orange); }
.portal-eyebrow { margin: 0 0 12px; color: var(--orange); font-size: 12px; font-weight: 900; letter-spacing: 0; text-transform: uppercase; }

.auth-form,
.application-form,
.review-panel {
  display: grid;
  align-content: center;
  gap: 17px;
  padding: clamp(28px, 6vw, 72px);
  background: var(--surface);
}
.auth-form h2, .application-form h2 { margin: 0; font-size: 30px; letter-spacing: 0; }
.auth-form > div > p:not(.portal-eyebrow), .form-heading > p:not(.portal-eyebrow), #activation-summary { color: var(--muted); line-height: 1.6; }

label { display: grid; gap: 7px; color: #35475a; font-size: 13px; font-weight: 800; }
label > span { color: var(--muted); font-size: 11px; font-weight: 600; }
input, select {
  width: 100%; min-height: 46px; border: 1px solid var(--line); border-radius: 6px;
  padding: 0 13px; color: var(--ink); background: #fff; outline: none;
}
input:focus, select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(23,101,157,.12); }
.primary-button, .secondary-button, .danger-button {
  display: inline-flex; align-items: center; justify-content: center; min-height: 46px;
  border-radius: 6px; padding: 0 18px; font-weight: 900;
}
.primary-button { border: 0; color: #fff; background: var(--orange); transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease; }
.primary-button:hover { background: #d95d18; }
.primary-button:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(236,107,34,.22); }
.secondary-button { border: 1px solid var(--line); color: var(--navy); background: #fff; }
.danger-button { border: 1px solid #e8c5c2; color: var(--danger); background: #fff; }
button:disabled, input:disabled, select:disabled { cursor: not-allowed; opacity: .55; }
.form-message { min-height: 22px; margin: 0; color: var(--danger); line-height: 1.5; }
.form-message[data-type="info"] { color: var(--blue); }
.form-message[data-type="success"] { color: var(--green); }
.form-foot { margin: 0; color: var(--muted); font-size: 14px; }
.form-foot a { color: var(--blue); font-weight: 800; }

.application-layout { grid-template-columns: minmax(360px, .7fr) minmax(0, 1fr); }
.application-copy { align-content: start; }
.application-copy strong { color: #fff; }
.review-steps { display: grid; gap: 1px; margin-top: 34px; border: 1px solid rgba(255,255,255,.2); background: rgba(255,255,255,.18); }
.review-steps span { display: flex; align-items: center; gap: 13px; min-height: 58px; padding: 10px 14px; background: rgba(7,40,70,.44); }
.review-steps b { color: var(--orange); }
.application-form { grid-template-columns: repeat(2, minmax(0, 1fr)); align-content: start; }
.form-heading, .consent-row, .application-form > button, .application-form > .form-message, .success-state { grid-column: 1 / -1; }
.consent-row { display: grid; grid-template-columns: 20px 1fr; align-items: start; font-weight: 600; line-height: 1.45; }
.consent-row input { width: 18px; min-height: 18px; margin: 1px 0 0; }
.success-state { max-width: 600px; align-self: center; }
.success-state > span { color: var(--green); font-weight: 900; }
.success-state h2 { margin: 10px 0; font-size: 40px; }
.success-state p { color: var(--muted); line-height: 1.7; }
.success-state .secondary-button { margin-top: 14px; }

.single-form-layout { min-height: calc(100vh - 76px); display: grid; place-items: center; padding: 32px 18px; }
.single-form-layout .auth-form, .review-panel { width: min(620px, 100%); border: 1px solid var(--line); border-radius: 8px; box-shadow: var(--shadow); }
.single-form-layout h1, .review-panel h1 { font-size: clamp(32px, 5vw, 48px); }
.secure-label { color: var(--green); font-size: 13px; font-weight: 900; }
.review-panel { padding: clamp(24px, 5vw, 48px); }
.review-note { margin: 0; color: var(--muted); line-height: 1.6; }
.application-details { display: grid; margin: 6px 0; border-block: 1px solid var(--line); }
.application-details div { display: grid; grid-template-columns: 130px 1fr; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--line); }
.application-details div:last-child { border-bottom: 0; }
.application-details dt { color: var(--muted); }
.application-details dd { margin: 0; font-weight: 800; overflow-wrap: anywhere; }
.review-actions { display: flex; flex-wrap: wrap; gap: 10px; }

.rates-page { min-height: 100vh; background: #eef3f6; }
.rates-header { position: sticky; top: 0; z-index: 10; }
.member-menu { display: flex; align-items: center; gap: 16px; color: var(--muted); font-size: 13px; }
.text-button { border: 0; padding: 8px 0; background: transparent; }
.rates-main { width: min(1500px, 100%); margin: 0 auto; padding: clamp(24px, 4vw, 52px); }
.rates-title { display: flex; align-items: end; justify-content: space-between; gap: 28px; margin-bottom: 24px; }
.rates-title h1 { color: var(--navy); font-size: clamp(34px, 5vw, 54px); }
.rates-title > p { max-width: 560px; margin: 0; color: var(--muted); line-height: 1.6; }
.rate-search { display: grid; grid-template-columns: 1fr 1fr .72fr auto auto; gap: 12px; align-items: end; padding: 20px; border: 1px solid var(--line); background: #fff; }
.rate-results { margin-top: 18px; border: 1px solid var(--line); background: #fff; }
.results-heading { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 18px 20px; border-bottom: 1px solid var(--line); }
.results-heading h2 { margin: 0; color: var(--navy); font-size: 20px; }
.results-heading span { color: var(--muted); font-size: 13px; }
.rates-table-wrap { overflow-x: auto; }
table { width: 100%; min-width: 1120px; border-collapse: collapse; }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; font-size: 13px; }
th { color: #536476; background: #f7f9fa; font-size: 11px; text-transform: uppercase; }
tbody tr:last-child td { border-bottom: 0; }
tbody tr:hover { background: #fbfcfd; }
td strong, td span { display: block; }
td span { margin-top: 5px; color: var(--muted); }
.mode-badge { display: inline-flex; margin: 0; border-radius: 4px; padding: 5px 8px; color: var(--blue); background: #e7f1f7; font-weight: 900; }
.rate-value strong { color: var(--navy); font-size: 17px; }
.notes-cell { max-width: 270px; color: var(--muted); white-space: normal; line-height: 1.5; }
.empty-cell { height: 110px; color: var(--muted); text-align: center; vertical-align: middle; }
.pricing-contact { display: flex; justify-content: flex-end; gap: 10px; margin-top: 18px; color: var(--muted); font-size: 13px; }
.pricing-contact a { color: var(--blue); font-weight: 900; }

@media (max-width: 960px) {
  .auth-layout, .application-layout { grid-template-columns: 1fr; }
  .auth-intro, .application-copy { min-height: 520px; }
  .rate-search { grid-template-columns: repeat(2, 1fr); }
  .rate-search button { width: 100%; }
  .rates-title { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 620px) {
  .portal-header, .rates-header { align-items: flex-start; padding: 10px 16px; }
  .portal-brand img { width: 118px; height: 44px; }
  .portal-brand strong { max-width: 142px; font-size: 8px; }
  .header-link, .secure-label, .member-menu > span { display: none; }
  .auth-intro, .application-copy { min-height: 460px; padding: 44px 20px; }
  .auth-intro h1, .application-copy h1 { max-width: 100%; font-size: 36px; overflow-wrap: break-word; }
  .auth-form, .application-form, .review-panel { padding: 26px 18px; }
  .application-form, .rate-search { grid-template-columns: 1fr; }
  .application-details div { grid-template-columns: 1fr; gap: 5px; }
  .review-actions { display: grid; }
  .rates-main { padding: 24px 14px; }
  .pricing-contact { align-items: flex-end; flex-direction: column; }
}