/* SBADecoded — ledger paper, vault green, red ink.
   The palette comes from the subject: safety paper, bank green, and the red
   ink that "in the red" refers to. */

:root{
  --paper:#EDF0E9; --paper-2:#F7F9F5; --card:#FFF;
  --ink:#16211C; --ink-2:#3D4B44; --ink-3:#6C7B73;
  --rule:#CCD5C7; --rule-2:#E2E8DE;
  --vault:#1E4B3C; --vault-2:#2F6B4F; --vault-pale:#E8F0EA;
  --loss:#8E2A24; --loss-pale:#F8ECEA;
  --gold:#8A6D12; --gold-pale:#FBF3D8; --gold-line:#E0CE8C;
  --sh:0 1px 0 rgba(22,33,28,.04),0 2px 8px rgba(22,33,28,.05);
  --wrap:1180px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:'Archivo',system-ui,-apple-system,sans-serif;font-size:16px;line-height:1.55;
  -webkit-font-smoothing:antialiased}
.mono{font-family:'IBM Plex Mono',ui-monospace,monospace;font-variant-numeric:tabular-nums}
a{color:var(--vault)}
a:hover{text-decoration:underline}
:focus-visible{outline:2px solid var(--vault);outline-offset:2px;border-radius:2px}
img{max-width:100%}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:var(--card);padding:10px 14px;z-index:99;border-radius:4px}

/* ---------- masthead ---------- */
.mast{background:var(--ink);color:var(--paper);border-bottom:3px solid var(--vault)}
.mast-in{max-width:var(--wrap);margin:0 auto;padding:0 20px;display:flex;align-items:center;
  gap:18px;min-height:62px;flex-wrap:wrap}
.mark{display:flex;align-items:center;gap:10px;text-decoration:none;color:inherit;padding:12px 0}
.mark:hover{text-decoration:none}
.barcode{display:flex;gap:2px;align-items:center;height:24px}
.barcode i{display:block;background:var(--paper);border-radius:.5px}
.mark b{font-weight:800;font-size:20px;letter-spacing:-.03em}
.mark b em{font-style:normal;color:#8FB0A0}
.nav{display:flex;gap:20px;margin-left:auto;flex-wrap:wrap;padding-bottom:10px}
.nav a{color:#B9CCC2;text-decoration:none;font-size:14px}
.nav a:hover,.nav a[aria-current=page]{color:#fff;text-decoration:none}
@media(min-width:720px){.nav{padding-bottom:0}}

/* ---------- layout ---------- */
main{max-width:var(--wrap);margin:0 auto;padding:26px 20px 60px}
.crumb{font-family:'IBM Plex Mono',monospace;font-size:11.5px;color:var(--ink-3);margin-bottom:12px}
.crumb a{color:var(--ink-3)}
.eyebrow{font-family:'IBM Plex Mono',monospace;font-size:10px;letter-spacing:.17em;
  text-transform:uppercase;color:var(--ink-3);margin:0 0 8px}
h1{font-size:clamp(26px,4vw,36px);font-weight:700;letter-spacing:-.03em;margin:0 0 10px;line-height:1.08}
h2{font-size:16px;font-weight:700;margin:0 0 12px}
h3{font-size:13px;font-weight:600;margin:0 0 6px;color:var(--ink-2)}
p{margin:0 0 12px}
.lede{font-family:'Newsreader',Georgia,serif;font-size:clamp(17px,2.2vw,19px);line-height:1.5;
  color:var(--ink-2);max-width:64ch}
.note{font-family:'Newsreader',serif;font-size:16px;line-height:1.6;color:var(--ink-2);
  max-width:62ch;padding-left:14px;border-left:2px solid var(--vault);margin:14px 0}
.hint{font-size:12.5px;color:var(--ink-3);line-height:1.5;margin-top:8px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.three{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
@media(max-width:820px){.two{grid-template-columns:1fr}}

.panel{background:var(--card);border:1px solid var(--rule);border-radius:6px;
  padding:20px 22px;margin-bottom:16px;box-shadow:var(--sh)}
.phead{display:flex;align-items:baseline;justify-content:space-between;gap:14px;flex-wrap:wrap;
  border-bottom:1px solid var(--rule-2);padding-bottom:10px;margin-bottom:15px}
.phead h2{margin:0}
.tag{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--ink-3)}
.prov{border-top:1px solid var(--rule);margin-top:14px;padding-top:10px;
  font-family:'IBM Plex Mono',monospace;font-size:10.5px;color:var(--ink-3);
  display:flex;flex-wrap:wrap;gap:5px 20px}
.prov b{color:var(--ink-2);font-weight:500}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:1px;
  background:var(--rule);border:1px solid var(--rule);border-radius:6px;overflow:hidden;margin-bottom:16px}
.stat{background:var(--card);padding:14px 16px}
.sk{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--ink-3);margin-bottom:6px;line-height:1.35}
.sv{font-family:'IBM Plex Mono',monospace;font-size:23px;font-weight:600;letter-spacing:-.03em;line-height:1}
.sv.loss{color:var(--loss)} .sv.ok{color:var(--vault-2)}
.ss{font-size:11.5px;color:var(--ink-3);margin-top:5px;line-height:1.4}

/* ---------- verdict blocks ---------- */
.verdict{border-radius:6px;padding:18px 21px;margin-bottom:15px;border:1px solid}
.verdict.go{background:var(--vault-pale);border-color:var(--vault-2)}
.verdict.warn{background:var(--gold-pale);border-color:var(--gold-line)}
.verdict.stop{background:var(--loss-pale);border-color:var(--loss)}
.verdict h2{font-size:19px;letter-spacing:-.015em;margin-bottom:6px}
.verdict.go h2{color:var(--vault)} .verdict.warn h2{color:var(--gold)} .verdict.stop h2{color:var(--loss)}
.verdict p{font-size:14px;margin:0;color:var(--ink-2);max-width:62ch}
.flags{list-style:none;margin:13px 0 0;padding:0;display:flex;flex-direction:column;gap:8px}
.flags li{font-size:13.5px;display:flex;gap:9px;line-height:1.5;color:var(--ink-2)}
.fi{font-family:'IBM Plex Mono',monospace;font-size:11px;flex:none;padding-top:2px;font-weight:600}
.fi.x{color:var(--loss)} .fi.w{color:var(--gold)} .fi.k{color:var(--vault-2)}

/* ---------- bars ---------- */
.bars{display:flex;flex-direction:column;gap:10px}
.blab{font-size:13px;color:var(--ink-2);margin-bottom:4px}
.brow{display:grid;grid-template-columns:1fr 62px;gap:12px;align-items:center}
.btrack{height:7px;background:var(--rule-2);border-radius:4px;overflow:hidden}
.bfill{height:100%;background:var(--vault);border-radius:4px}
.bfill.loss{background:var(--loss)}
.bnum{font-family:'IBM Plex Mono',monospace;font-size:12.5px;text-align:right;color:var(--ink-2)}

/* ---------- triangle ---------- */
.triwrap{overflow-x:auto}
table.tri{border-collapse:separate;border-spacing:2px;font-family:'IBM Plex Mono',monospace;font-size:11.5px}
table.tri th{font-weight:500;color:var(--ink-3);font-size:9.5px;letter-spacing:.09em;
  text-transform:uppercase;padding:4px 6px;text-align:center;white-space:nowrap}
table.tri th.rh{text-align:right;padding-right:9px;color:var(--ink-2);font-size:11px;letter-spacing:0}
table.tri td{width:44px;height:29px;text-align:center;border-radius:2px}
table.tri td.empty{background:repeating-linear-gradient(45deg,#F2F4F0,#F2F4F0 4px,#E8ECE5 4px,#E8ECE5 8px);color:transparent}
table.tri td.hot{color:#fff}
.trileg{display:flex;align-items:center;gap:10px;margin-top:13px;flex-wrap:wrap;
  font-family:'IBM Plex Mono',monospace;font-size:10.5px;color:var(--ink-3)}
.ramp{display:flex;height:10px;width:140px;border-radius:2px;overflow:hidden;border:1px solid var(--rule)}
.ramp i{flex:1}

/* ---------- tables ---------- */
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
table.data{width:100%;border-collapse:collapse;font-size:13.5px}
table.data th{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-3);text-align:left;padding:0 10px 8px;
  border-bottom:1px solid var(--rule);white-space:nowrap;font-weight:500}
table.data th.sortable{cursor:pointer;user-select:none}
table.data th.sortable:hover{color:var(--ink)}
table.data th.num,table.data td.num{text-align:right}
table.data td{padding:10px;border-bottom:1px solid var(--rule-2)}
table.data td.num{font-family:'IBM Plex Mono',monospace;font-variant-numeric:tabular-nums}
table.data tbody tr:hover{background:var(--paper-2)}
.arrow{color:var(--vault);font-size:9px}
.pill{display:inline-block;font-family:'IBM Plex Mono',monospace;font-size:11px;
  padding:2px 8px;border-radius:10px;white-space:nowrap}
.pill.hi{background:var(--loss-pale);color:var(--loss)}
.pill.mid{background:var(--gold-pale);color:var(--gold)}
.pill.lo{background:var(--vault-pale);color:var(--vault)}

/* ---------- controls ---------- */
.ctrl{margin-bottom:17px}
.ctop{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:6px}
.ctop label{font-size:13.5px;color:var(--ink-2);font-weight:500}
.cval{font-family:'IBM Plex Mono',monospace;font-size:15px;font-weight:600}
input[type=range]{width:100%;accent-color:var(--vault);height:22px;cursor:pointer}
.seg{display:flex;border:1px solid var(--rule);border-radius:4px;overflow:hidden}
.seg button{flex:1;background:var(--card);border:0;border-right:1px solid var(--rule);
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;padding:9px 4px;cursor:pointer;color:var(--ink-2)}
.seg button:last-child{border-right:0}
.seg button[aria-pressed=true]{background:var(--ink);color:var(--paper);font-weight:600}
.search{width:100%;font-size:16px;padding:12px 14px;border:1px solid var(--rule);
  border-radius:5px;background:var(--card);color:var(--ink);margin-bottom:14px;font-family:inherit}
.filters{display:flex;gap:10px;flex-wrap:wrap;align-items:flex-end;margin-bottom:14px}
.fld{display:flex;flex-direction:column;gap:4px}
.fld label{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-3)}
.fld select{font-family:'IBM Plex Mono',monospace;font-size:14px;padding:8px 10px;
  border:1px solid var(--rule);border-radius:4px;background:var(--card);color:var(--ink);min-width:150px}

.readout{background:var(--ink);color:var(--paper);border-radius:6px;padding:22px 24px;margin-bottom:15px}
.readout .sk{color:#8FA79B}
.rohero{display:flex;gap:34px;flex-wrap:wrap;margin-bottom:20px}
.rohero .v{font-family:'IBM Plex Mono',monospace;font-size:clamp(28px,5vw,36px);font-weight:600;
  letter-spacing:-.035em;line-height:1}
.rohero .v small{font-size:16px;font-weight:400;letter-spacing:0;color:#8FA79B}
.rogrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(120px,1fr));gap:16px 22px;
  border-top:1px solid #2E3D36;padding-top:17px}
.rogrid .v{font-family:'IBM Plex Mono',monospace;font-size:17px;font-weight:500}
.rogrid .v.warn{color:#E9A08F} .rogrid .v.good{color:#8FD3AE}
table.fees{width:100%;border-collapse:collapse;font-size:13px}
table.fees td{padding:8px 0;border-bottom:1px solid var(--rule-2)}
table.fees td:last-child{text-align:right;font-family:'IBM Plex Mono',monospace}
table.fees tr.tot td{border-bottom:0;border-top:2px solid var(--ink);font-weight:700;padding-top:9px}
.calcgrid{display:grid;grid-template-columns:340px 1fr;gap:16px;align-items:start}
@media(max-width:900px){.calcgrid{grid-template-columns:1fr}}

/* quiz */
.q{border-bottom:1px solid var(--rule-2);padding:15px 0}
.q:last-child{border-bottom:0}
.qt{font-size:14.5px;font-weight:600;margin-bottom:4px}
.qs{font-size:12.5px;color:var(--ink-3);margin-bottom:10px;line-height:1.45}
.opts{display:flex;gap:7px;flex-wrap:wrap}
.opt{background:var(--card);border:1px solid var(--rule);border-radius:20px;padding:7px 15px;
  font-size:13px;cursor:pointer;color:var(--ink-2);font-family:inherit}
.opt:hover{border-color:var(--vault);color:var(--vault)}
.opt[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:var(--paper);font-weight:600}

/* ---------- cards / index ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:1px;
  background:var(--rule);border:1px solid var(--rule);border-radius:6px;overflow:hidden;margin-bottom:16px}
.card{background:var(--card);padding:18px 19px;text-decoration:none;color:inherit;
  display:flex;flex-direction:column;gap:5px;min-height:118px}
.card:hover{background:var(--vault-pale);text-decoration:none}
.card .cq{font-size:14.5px;font-weight:600;line-height:1.35}
.card .cd{font-size:12.5px;color:var(--ink-3);line-height:1.45;flex:1}
.card .cgo{font-family:'IBM Plex Mono',monospace;font-size:10.5px;color:var(--vault);
  letter-spacing:.08em;text-transform:uppercase}

/* glossary */
.gitem{border-bottom:1px solid var(--rule-2);padding:16px 0}
.gitem:last-child{border-bottom:0}
.gterm{font-size:15.5px;font-weight:700;margin-bottom:2px}
.gterm a{color:inherit;text-decoration:none}
.gterm a:hover{color:var(--vault)}
.gexp{font-family:'IBM Plex Mono',monospace;font-size:11px;color:var(--ink-3);margin-bottom:7px}
.gdef{font-size:14px;color:var(--ink-2);line-height:1.55;max-width:66ch;margin-bottom:8px}
.gwhy{font-size:13.5px;color:var(--ink);background:var(--vault-pale);border-left:2px solid var(--vault);
  padding:10px 14px;border-radius:0 4px 4px 0;max-width:66ch}
.gwhy b{font-size:10px;font-family:'IBM Plex Mono',monospace;letter-spacing:.12em;
  text-transform:uppercase;color:var(--vault);display:block;margin-bottom:3px}
.chips{display:flex;gap:7px;flex-wrap:wrap;margin:14px 0}
.chip{font-family:'IBM Plex Mono',monospace;font-size:11.5px;border:1px solid var(--rule);
  border-radius:14px;padding:5px 12px;background:var(--card);color:var(--ink-2);
  text-decoration:none;cursor:pointer}
.chip:hover,.chip[aria-pressed=true]{background:var(--ink);color:var(--paper);
  border-color:var(--ink);text-decoration:none}

/* ---------- footer ---------- */
.foot{background:var(--ink);color:#9DB3A8;margin-top:40px;padding:30px 0}
.foot-in{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.disc{border:1px solid #35463E;border-radius:5px;padding:15px 18px;font-size:12.5px;
  line-height:1.6;max-width:80ch;margin-bottom:18px}
.disc b{color:var(--paper)}
.disc .dh{display:block;margin-bottom:5px;font-size:11px;
  font-family:'IBM Plex Mono',monospace;letter-spacing:.12em;text-transform:uppercase}
.foot-nav{display:flex;gap:8px 22px;flex-wrap:wrap;margin-bottom:14px;font-size:13.5px}
.foot-nav a{color:#B9CCC2;text-decoration:none}
.foot-nav a:hover{color:#fff}
.foot-meta{font-family:'IBM Plex Mono',monospace;font-size:11px;color:#6E837A;
  display:flex;flex-wrap:wrap;gap:6px 24px}

@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

/* ---------- phone refinements ---------- */
/* never let anything force sideways page-scroll */
html,body{overflow-x:hidden}
body{overflow-wrap:break-word}
/* wide tables scroll inside their own box; hint that they can */
.tscroll{scrollbar-width:thin}

@media(max-width:640px){
  main{padding:18px 16px 46px}
  /* masthead: brand on top, nav wraps full-width beneath */
  .mast-in{padding:0 16px;gap:8px 12px;min-height:52px}
  .mark{padding:11px 0}
  .mark b{font-size:18px}
  .nav{margin-left:0;width:100%;gap:11px 16px;padding-bottom:11px}
  .nav a{font-size:13px}
  /* tighten cards/panels so content keeps its width */
  .panel{padding:16px 15px}
  .verdict{padding:15px 15px}
  h1{line-height:1.13}
  .lede{font-size:16.5px}
  /* stat tiles: predictable 2-up */
  .stats{grid-template-columns:1fr 1fr}
  .sv{font-size:20px}
  .rohero{gap:16px 22px}
  .rohero .v{font-size:30px}
  /* filters/selects go full width and are easy to tap */
  .filters{flex-direction:column;align-items:stretch;gap:12px}
  .fld{width:100%}
  .fld select{width:100%;min-width:0;font-size:16px;padding:11px 12px}
  .seg button{padding:11px 4px}
  /* data tables: a touch more compact, still scrollable */
  table.data{font-size:12.5px}
  table.data th,table.data td{padding-left:8px;padding-right:8px}
  table.data td{padding-top:11px;padding-bottom:11px}
  /* bigger tap targets for chips + footer */
  .chip{padding:7px 13px}
  .foot-nav{gap:10px 20px}
  .foot-nav a{padding:2px 0}
  .receipts>summary,.receipts .rwrap,.receipts .rfoot{padding-left:15px;padding-right:15px}
}

@media(max-width:380px){
  .mark b{font-size:16.5px}
  .stats{grid-template-columns:1fr}
  main{padding:16px 13px 42px}
}

/* ---------- defaulted-business receipts ---------- */
.deflink{color:inherit;text-decoration:underline;text-decoration-color:var(--loss);
  text-decoration-thickness:2px;text-underline-offset:3px;cursor:pointer}
.deflink:hover{color:var(--loss)}
.receipts{padding:0;overflow:hidden}
.receipts>summary{list-style:none;cursor:pointer;display:flex;align-items:center;
  justify-content:space-between;gap:14px;padding:15px 22px;font-size:15px;
  font-weight:600;color:var(--ink)}
.receipts>summary::-webkit-details-marker{display:none}
.receipts>summary:hover{background:var(--paper-2)}
.receipts>summary b{color:var(--loss)}
.receipts>summary .rchev{font-family:'IBM Plex Mono',monospace;font-size:10.5px;
  letter-spacing:.06em;color:var(--ink-3);white-space:nowrap}
.receipts[open]>summary{border-bottom:1px solid var(--rule-2)}
.receipts[open]>summary .rchev-o{display:none}
.receipts:not([open])>summary .rchev-c{display:none}
.receipts .rwrap{max-height:520px;overflow:auto;padding:4px 22px 2px}
.receipts .rfoot{margin:0;padding:12px 22px 16px;border-top:1px solid var(--rule);
  color:var(--ink-3);font-size:11.5px;line-height:1.55;max-width:none}

/* warm editorial hero on decision pages (franchises, research, matcher) */
main.warm>.eyebrow{color:var(--gold)}
main.warm>h1{font-family:'Newsreader',Georgia,serif;font-weight:500;letter-spacing:-.01em;
  font-size:clamp(28px,4.4vw,42px);line-height:1.12;margin-bottom:12px}
main.warm>h1::after{content:"";display:block;width:46px;height:3px;margin-top:14px;
  background:linear-gradient(90deg,var(--gold),var(--gold-line));border-radius:2px}

/* contextual Q&A accordion (tool pages, lender/franchise pages) */
.qa .qa-item{border-top:1px solid var(--rule-2)}
.qa .qa-item:first-of-type{border-top:0}
.qa .qa-item>summary{cursor:pointer;list-style:none;padding:13px 2px;font-weight:600;
  font-size:14.5px;color:var(--ink);display:flex;justify-content:space-between;gap:14px;align-items:center}
.qa .qa-item>summary::-webkit-details-marker{display:none}
.qa .qa-item>summary::after{content:"+";color:var(--gold);font-weight:700;font-size:18px;line-height:1;flex:none}
.qa .qa-item[open]>summary::after{content:"\2013"}
.qa .qa-a{padding:0 2px 14px}
.qa .qa-a p{font-size:14px;color:var(--ink-2);line-height:1.55;max-width:72ch;margin:0 0 8px}
.qa .qa-a p:last-child{margin-bottom:0}

/* definition-link affordance on stat labels */
.sk a{color:inherit;text-decoration:none;border-bottom:1px dotted currentColor}
.sk a:hover{color:var(--gold)}