:root{
  --hfg-blue:#004678; --hfg-blue-dark:#00325a; --hfg-blue-light:#1a5a8a;
  --hfg-teal:#50a0b4; --hfg-teal-dark:#3d8296;
  --hfg-lime:#d2dc50; --hfg-lime-dark:#b6c02f;
  --hfg-white:#fff; --hfg-off-white:#f4f6f9; --hfg-line:#e8ecf0; --hfg-line-strong:#d4dce4;
  --hfg-gray:#8a96a3; --hfg-gray-dark:#5a6875; --hfg-ink:#1a2a3a;
  --hfg-success:#3d8296; --hfg-success-bg:#e6f1f4;
  --hfg-warning:#c98a2c; --hfg-warning-bg:#faf0dd; --hfg-warning-ink:#8a5d13;
  --hfg-danger:#c0392b;
  --font-sans:"Dunbar Text",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --font-mono:ui-monospace,SFMono-Regular,"SF Mono",Menlo,Consolas,monospace;
  --radius-md:10px; --radius-lg:16px; --radius-pill:999px;
  --shadow-sm:0 1px 2px rgba(0,70,120,.08);
  --shadow-md:0 4px 12px rgba(0,70,120,.10);
  --focus-ring:rgba(80,160,180,.55);
  --ease:cubic-bezier(.2,0,0,1);
  color-scheme:light;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{background:var(--hfg-off-white);color:var(--hfg-ink);font-family:var(--font-sans);
  font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3{margin:0;line-height:1.2;letter-spacing:-.01em;color:var(--hfg-blue)}
p{margin:0}
a{color:var(--hfg-blue);text-decoration:none}
a:hover{color:var(--hfg-blue-light);text-decoration:underline}
button,input,select,textarea{font-family:var(--font-sans);font-size:inherit;color:inherit}
summary{list-style:none;cursor:pointer}
summary::-webkit-details-marker{display:none}
:focus-visible{outline:none;box-shadow:0 0 0 3px var(--focus-ring);border-radius:8px}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.hide{display:none!important}
.eyebrow{display:block;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;
  color:var(--hfg-teal)}
.rule{display:block;width:40px;height:3px;background:var(--hfg-lime);border-radius:2px;margin:6px 0 10px}
.card{background:#fff;border:1px solid var(--hfg-line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow-md)}
.tnum{font-variant-numeric:tabular-nums}

/* ---------- header ---------- */
.top{background:linear-gradient(135deg,#00325a 0%,#004678 55%,#1a5a8a 100%);
  border-bottom:3px solid var(--hfg-lime);position:sticky;top:0;z-index:40}
.top-in{max-width:1480px;margin:0 auto;padding:11px 22px 10px;display:flex;align-items:center;
  justify-content:space-between;gap:24px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:18px}
.brand img{height:26px;width:auto;display:block}
.brand .txt{display:flex;flex-direction:column;gap:1px;padding-left:14px;
  border-left:1px solid rgba(255,255,255,.22)}
.brand h1{font-size:17px;font-weight:800;color:#fff}
.top-r{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.stamp{font-size:12px;color:rgba(255,255,255,.65)}
.seg{display:flex;gap:6px;background:rgba(0,0,0,.18);padding:4px;border-radius:var(--radius-pill)}
.seg button{border:0;background:transparent;color:rgba(255,255,255,.72);font-size:12.5px;font-weight:700;
  padding:6px 15px;border-radius:var(--radius-pill);cursor:pointer;transition:all .18s var(--ease)}
.seg button[aria-selected="true"]{background:var(--hfg-lime);color:var(--hfg-blue-dark)}
@media (max-width:820px){.stamp{display:none}}

/* ---------- shell ---------- */
.shell{max-width:1480px;margin:0 auto;padding:14px 22px;display:grid;gap:14px;
  grid-template-columns:300px minmax(0,1fr);
  grid-template-areas:"filters ask" "filters email" "filters results";
  align-items:start}
@media (max-width:1080px){
  .shell{grid-template-columns:1fr;grid-template-areas:"ask" "filters" "email" "results"}
}
.a-ask{grid-area:ask;display:flex;flex-direction:column;gap:11px;min-width:0}
.a-filters{grid-area:filters;align-self:start;position:sticky;top:78px}
@media (max-width:1080px){.a-filters{position:static}}
.a-results{grid-area:results;display:flex;flex-direction:column;gap:11px;min-width:0}
.a-email{grid-area:email;min-width:0}

/* ---------- ask ---------- */
.ask-card{padding:14px 16px}
.ask-form{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.ask-form .field{flex:1 1 320px;min-width:240px;height:44px;border:1.5px solid var(--hfg-line-strong);
  border-radius:var(--radius-md);background:#fff;display:flex;align-items:center;padding:0 13px;
  transition:border-color .18s var(--ease),box-shadow .18s var(--ease)}
.ask-form .field:focus-within{border-color:var(--hfg-teal);box-shadow:0 0 0 3px var(--focus-ring)}
.ask-form input{flex:1;min-width:0;border:0;outline:none;background:transparent;font-size:15px}
.ask-form input::placeholder{color:var(--hfg-gray)}
.btn{border:0;border-radius:var(--radius-pill);font-weight:700;cursor:pointer;
  transition:all .18s var(--ease);white-space:nowrap}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--hfg-blue);color:#fff;padding:12px 22px;font-size:14px}
.btn-primary:hover{background:var(--hfg-blue-dark)}
.btn-ghost{background:transparent;color:var(--hfg-blue);border:1.5px solid var(--hfg-line-strong);
  padding:11px 20px;font-size:14px}
.btn-ghost:hover{border-color:var(--hfg-teal);background:#f2f8fa}
.hint{margin-top:8px;font-size:12px;line-height:1.5;color:var(--hfg-gray)}
.chiprow{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:11px;padding-top:11px;
  border-top:1px solid var(--hfg-line)}
.chiprow .lab{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--hfg-gray)}
.chip-x{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:700;
  color:var(--hfg-blue);background:#e6eef4;border:1px solid #d3e0ea;border-radius:var(--radius-pill);
  padding:5px 11px;cursor:pointer;white-space:nowrap}
.chip-x:hover{background:#d8e6ef}
.chip-x span{font-size:14px;line-height:1;color:var(--hfg-gray)}

/* ---------- log ---------- */
.log{padding:14px 16px;display:flex;flex-direction:column;gap:9px;max-height:250px;overflow-y:auto;
  overscroll-behavior:contain;box-shadow:var(--shadow-sm)}
.log:empty{display:none}
.log .txt{font-size:14px;line-height:1.55;color:var(--hfg-ink)}
.log .q{font-size:14px;font-weight:700;color:var(--hfg-blue);margin:10px 0 8px}
.log .opts{display:flex;gap:8px;flex-wrap:wrap}
.opt{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--hfg-blue);
  background:#fff;border:1.5px solid var(--hfg-line-strong);border-radius:var(--radius-pill);
  padding:7px 14px;cursor:pointer}
.opt:hover{border-color:var(--hfg-teal);background:#f2f8fa}
.opt .n{font-size:11px;color:var(--hfg-gray)}

/* ---------- filters ---------- */
.filters{padding:15px;max-height:calc(100vh - 96px);overflow-y:auto;overscroll-behavior:contain;
  box-shadow:var(--shadow-sm)}
@media (max-width:1080px){.filters{max-height:none}}
.fgrid{display:flex;flex-direction:column;gap:11px}
.f{display:flex;flex-direction:column;gap:4px}
.f label{font-size:12px;font-weight:700;color:var(--hfg-ink)}
.f .box{display:flex;align-items:center;gap:8px;height:38px;padding:0 12px;
  border:1.5px solid var(--hfg-line-strong);border-radius:var(--radius-md);background:#fff;
  transition:border-color .18s var(--ease),box-shadow .18s var(--ease)}
.f .box:focus-within{border-color:var(--hfg-teal);box-shadow:0 0 0 3px var(--focus-ring)}
.f .box input{flex:1;min-width:0;border:0;outline:none;background:transparent;font-size:15px}
.f .box .unit{font-size:15px;color:var(--hfg-gray)}
.f select{width:100%;appearance:none;-webkit-appearance:none;height:38px;padding:0 34px 0 12px;
  border:1.5px solid var(--hfg-line-strong);border-radius:var(--radius-md);background:#fff;
  font-size:15px;color:var(--hfg-ink);outline:none;cursor:pointer;
  background-image:url("../assets/chevron.svg");
  background-repeat:no-repeat;background-position:right 13px center;
  transition:border-color .18s var(--ease),box-shadow .18s var(--ease)}
.f select:focus{border-color:var(--hfg-teal);box-shadow:0 0 0 3px var(--focus-ring)}
.famhead{font-size:13px;font-weight:700;color:var(--hfg-ink);margin:13px 0 8px}
.fams{display:flex;gap:7px;flex-wrap:wrap}
.fam{font-size:12px;font-weight:700;border-radius:var(--radius-pill);padding:6px 12px;cursor:pointer;
  border:1.5px solid var(--hfg-line-strong);background:#fff;color:var(--hfg-gray-dark);
  transition:all .18s var(--ease)}
.fam:hover{border-color:var(--hfg-teal)}
.fam[aria-pressed="true"]{background:var(--hfg-blue);border-color:var(--hfg-blue);color:#fff}
.fnote{margin-top:13px;padding-top:11px;border-top:1px solid var(--hfg-line);font-size:11.5px;
  line-height:1.5;color:var(--hfg-gray)}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:12px}
.stat{background:#fff;border:1px solid var(--hfg-line);border-radius:14px;padding:11px 14px;
  box-shadow:var(--shadow-sm)}
.stat .k{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--hfg-teal)}
.stat .v{font-size:26px;font-weight:800;color:var(--hfg-blue);line-height:1.15;margin-top:2px}
.stat.warn .k,.stat.warn .v{color:var(--hfg-warning)}

/* ---------- results ---------- */
.lender{overflow:hidden;min-width:0}
.lhd{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:11px 16px;
  cursor:pointer;background:#fff;border-left:4px solid transparent;transition:background .18s var(--ease)}
.lhd:hover{background:#fafcfd}
.lender.open .lhd{background:#fafcfd;border-left-color:var(--hfg-teal)}
.lhd .l{display:flex;align-items:center;gap:10px;min-width:0}
.caret{display:inline-flex;align-items:center;justify-content:center;width:24px;height:24px;
  border-radius:var(--radius-pill);flex:0 0 auto;background:var(--hfg-off-white);color:var(--hfg-gray-dark);
  transition:transform .2s var(--ease),background .2s var(--ease)}
.lender.open .caret{transform:rotate(90deg);background:var(--hfg-teal);color:#fff}
.lhd h3{font-size:16px;font-weight:800}
.lhd .sub{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:3px}
.lhd .sub p{font-size:12px;color:var(--hfg-gray)}
.lhd .r{display:flex;flex-direction:column;align-items:flex-end;gap:4px;flex:0 0 auto}
.lhd .ltvr{font-size:12px;font-weight:700;color:var(--hfg-blue);text-align:right}
.flag{display:inline-flex;align-items:center;font-size:10.5px;font-weight:700;letter-spacing:.04em;
  text-transform:uppercase;color:var(--hfg-blue-dark);background:var(--hfg-lime);
  border-radius:var(--radius-pill);padding:3px 9px}
.badge{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;font-weight:700;letter-spacing:.04em;
  text-transform:uppercase;border-radius:var(--radius-pill);padding:4px 10px;white-space:nowrap}
.badge.ok{background:var(--hfg-success-bg);color:var(--hfg-success)}
.badge.warn{background:var(--hfg-warning-bg);color:var(--hfg-warning)}
.prows{list-style:none;margin:0;padding:0}
.prow{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;padding:9px 16px;
  border-bottom:1px solid var(--hfg-off-white)}
.prow .nm{font-size:14px;font-weight:700;color:var(--hfg-ink);line-height:1.35}
.prow .sub{font-size:12.5px;color:var(--hfg-gray);margin-top:3px;line-height:1.5}
.prow .note{font-size:12.5px;color:var(--hfg-gray-dark);margin-top:3px;line-height:1.5}
.prow .why{display:flex;gap:7px;margin-top:7px;font-size:12.5px;line-height:1.5;
  color:var(--hfg-warning-ink);background:var(--hfg-warning-bg);border-radius:8px;padding:7px 10px}
.prow .why b{font-weight:800}
.prow .rt{text-align:right;flex:0 0 auto}
.prow .ltv{font-size:17px;font-weight:800;color:var(--hfg-blue)}
.prow .ltv.none{font-size:12.5px;font-weight:700;color:var(--hfg-gray)}
.prow .cap{font-size:10.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--hfg-gray)}
details.disc summary{display:flex;align-items:center;gap:8px;padding:10px 16px;font-size:12.5px;
  font-weight:700;color:var(--hfg-blue);background:#fafcfd;border-top:1px solid var(--hfg-line)}
details.disc summary .pm{font-size:15px;width:12px;display:inline-block}
details.disc[open] summary .pm::before{content:"\2212"}
details.disc summary .pm::before{content:"\002B"}
.discb{padding:2px 16px 15px;background:#fafcfd;border-top:1px solid var(--hfg-line)}
.dl{display:grid;grid-template-columns:150px minmax(0,1fr);gap:6px 14px;margin:11px 0 0;
  font-size:12.5px;line-height:1.45}
.dl dt{font-weight:700;color:var(--hfg-gray-dark)}
.dl dd{margin:0;color:var(--hfg-ink);word-break:break-word}
.dl dt.risk,.dl dd.risk{color:var(--hfg-danger)}
@media (max-width:560px){.dl{grid-template-columns:1fr;gap:2px 0}.dl dd{margin-bottom:8px}}
.empty{background:#fff;border:1px dashed var(--hfg-line-strong);border-radius:var(--radius-lg);
  padding:40px 32px;text-align:center}
.empty h3{font-size:22px;font-weight:800;margin-bottom:10px}
.empty p{margin:0 auto;max-width:520px;font-size:15px;line-height:1.6;color:var(--hfg-gray);text-wrap:pretty}
.empty .hintline{margin-top:14px;font-size:14px;font-weight:700;color:var(--hfg-blue)}
.misses .lhd{background:#fafcfd}
.misses h3{font-size:15px;font-weight:800;color:var(--hfg-gray-dark)}
.mrow{display:flex;align-items:baseline;justify-content:space-between;gap:16px;padding:8px 16px;
  border-bottom:1px solid var(--hfg-off-white)}
.mrow .n{font-size:13px;font-weight:700;color:var(--hfg-ink);flex:0 0 auto}
.mrow .r{font-size:12.5px;color:var(--hfg-gray);text-align:right;line-height:1.5}

/* ---------- email ---------- */
.mailbar{background:linear-gradient(135deg,#00325a 0%,#004678 100%);border-radius:var(--radius-pill);
  box-shadow:var(--shadow-sm);padding:6px 8px 6px 16px;color:#fff;display:flex;align-items:center;
  justify-content:space-between;gap:10px;flex-wrap:wrap}
@media (max-width:700px){.mailbar{border-radius:var(--radius-lg);padding:12px}}
.mailbar .t{display:flex;align-items:baseline;gap:8px;min-width:0}
.mailbar .t b{font-size:13px;font-weight:800;white-space:nowrap}
.mailbar .t span{font-size:11.5px;color:rgba(255,255,255,.6)}
.mailbar .a{display:flex;align-items:center;gap:6px;flex-wrap:wrap}
.mailbar select{appearance:none;-webkit-appearance:none;height:30px;padding:0 26px 0 10px;
  border-radius:var(--radius-pill);border:1px solid rgba(255,255,255,.28);background:rgba(255,255,255,.1);
  color:#fff;font-size:12px;font-weight:700;cursor:pointer;
  background-image:url("../assets/chevron-light.svg");
  background-repeat:no-repeat;background-position:right 9px center}
.mailbar select option{color:#1a2a3a}
.btn-lime{background:var(--hfg-lime);color:var(--hfg-blue-dark);padding:7px 14px;font-size:12px}
.btn-lime:hover{filter:brightness(.94)}
.btn-wire{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.38);
  padding:6px 12px;font-size:12px}
.btn-wire:hover{background:rgba(255,255,255,.12)}
.compose{margin-top:12px;padding:20px}
.compose .hd{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.compose .hd p{margin-top:6px;font-size:13px;color:var(--hfg-gray);line-height:1.5}
.compose .x{background:transparent;border:0;cursor:pointer;color:var(--hfg-gray);font-size:20px;
  line-height:1;padding:2px 6px}
.cfields{display:flex;flex-direction:column;gap:12px;margin-top:14px}
.cfields label{display:block;font-size:12px;font-weight:700;color:var(--hfg-ink);margin-bottom:5px}
.cfields textarea{width:100%;border:1.5px solid var(--hfg-line-strong);border-radius:var(--radius-md);
  padding:10px 12px;font-size:13px;line-height:1.6;color:var(--hfg-ink);background:var(--hfg-off-white);
  resize:vertical}
.cfields textarea.mono{font-family:var(--font-mono);font-size:11.5px;line-height:1.5}
.cbtns{display:flex;gap:8px;flex-wrap:wrap}
.link-btn{display:inline-flex;align-items:center;font-size:14px;font-weight:700;color:#fff;
  background:var(--hfg-blue);border-radius:var(--radius-pill);padding:11px 20px;text-decoration:none}
.link-btn:hover{background:var(--hfg-blue-dark);color:#fff;text-decoration:none}
.btn-outline{background:transparent;color:var(--hfg-blue);border:1.5px solid var(--hfg-blue);
  padding:11px 20px;font-size:14px}
.btn-outline:hover{background:rgba(0,70,120,.06)}

/* ---------- directory ---------- */
.dirwrap{max-width:1480px;margin:0 auto;padding:14px 22px}
.dirhd{padding:14px 16px;display:flex;align-items:flex-end;justify-content:space-between;gap:14px;
  flex-wrap:wrap;border-radius:14px}
.dirsearch{display:flex;align-items:center;gap:8px;height:38px;padding:0 12px;
  border:1.5px solid var(--hfg-line-strong);border-radius:var(--radius-md);background:#fff;min-width:260px}
.dirsearch:focus-within{border-color:var(--hfg-teal);box-shadow:0 0 0 3px var(--focus-ring)}
.dirsearch input{flex:1;min-width:0;border:0;outline:none;background:transparent;font-size:14px}
.dirtable{margin-top:11px;border-radius:14px;overflow:auto;max-height:calc(100vh - 210px)}
.dirtable table{width:100%;border-collapse:collapse;font-size:12.5px}
.dirtable th{position:sticky;top:0;z-index:1;background:#fff;text-align:left;font-size:11px;
  font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--hfg-teal);
  padding:11px 13px;white-space:nowrap;box-shadow:inset 0 -1px 0 var(--hfg-line)}
.dirtable td{padding:11px 13px;border-bottom:1px solid var(--hfg-off-white);vertical-align:top;
  line-height:1.5;color:var(--hfg-gray-dark)}
.dirtable .nm{font-weight:700;color:var(--hfg-blue);line-height:1.35}
.dirtable .sm{font-size:11px;color:var(--hfg-gray);margin-top:2px;line-height:1.4}

/* ---------- footer ---------- */
.foot{max-width:1480px;margin:0 auto;padding:8px 22px 22px}
.foot .inner{background:#fff;border:1px solid var(--hfg-line);border-radius:14px;padding:14px 18px}
.foot p{font-size:11.5px;line-height:1.6;color:var(--hfg-gray-dark);max-width:110ch;text-wrap:pretty}
.foot strong{color:var(--hfg-ink)}
/* utility classes replacing inline style attributes (strict CSP: no 'unsafe-inline') */
.u-min0{min-width:0}
.u-stack{display:flex;flex-direction:column;gap:11px}
.u-sub{font-size:12px;color:var(--hfg-gray);margin-top:2px}
.u-dircount{font-size:12.5px;line-height:1.5;color:var(--hfg-gray)}
.u-aename{font-weight:700;color:var(--hfg-ink)}