/* mcafax.com/apply: static page, chat, no-JS pages, print. Mobile-first, WCAG AA. */
:root{--brand:#047857;--brand-d:#065f46;--ink:#0f172a;--muted:#5b6474;--line:#e2e8f0;--soft:#f8fafc;--up:#16a34a;--down:#b91c1c;--warn:#9a3412;
--serif:'Newsreader','Iowan Old Style','Palatino Linotype',Palatino,Georgia,'Times New Roman',serif;
--sans:Inter,ui-sans-serif,system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:var(--sans);color:var(--ink);background:#fff;font-size:16px;line-height:1.5;-webkit-text-size-adjust:100%}
a{color:var(--brand)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #0ea5e9;outline-offset:2px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
header.site{display:flex;justify-content:space-between;align-items:center;padding:12px 16px;border-bottom:1px solid var(--line);gap:12px}
.logo{font-family:var(--serif);font-weight:700;font-size:20px;color:var(--ink);text-decoration:none}.logo span{color:var(--brand)}
header.site nav{display:flex;gap:16px}header.site nav a{display:inline-flex;align-items:center;min-height:44px;color:var(--brand);font-weight:600;font-size:14px;text-decoration:none;padding:6px 0}header.site .logo{display:inline-flex;align-items:center;min-height:44px}
main{max-width:680px;margin:0 auto;padding:16px 16px 120px;scroll-padding-top:120px}
h1,h2,h3{font-family:var(--serif);line-height:1.15;margin:.5em 0 .35em}h1{font-size:32px}h2{font-size:24px}h3{font-size:19px}
.muted{color:var(--muted)}.small{font-size:13.5px}
.btn{display:inline-block;border:0;border-radius:999px;background:var(--brand);color:#fff;font-weight:700;font-size:16px;padding:13px 22px;min-height:44px;cursor:pointer;font-family:var(--sans);text-decoration:none;line-height:1.1}
.btn:hover{background:var(--brand-d)}.btn[disabled]{background:#94a3b8;cursor:not-allowed}
.btn.ghost{background:#fff;color:var(--brand);border:1.5px solid var(--brand)}
.promises{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0;padding:0;list-style:none}.promises li{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:14px}
.hero{padding:8px 0 18px}.hero .sub{font-size:18px;color:#334155;max-width:56ch}
.progress{position:sticky;top:0;background:#fff;padding:8px 0 10px;z-index:10;border-bottom:1px solid var(--line);margin-bottom:10px}
.progress .row{display:flex;justify-content:space-between;align-items:center;font-size:13.5px;color:var(--muted);gap:8px}
.bar{height:6px;background:var(--line);border-radius:6px;overflow:hidden;margin-top:6px}.bar i{display:block;height:100%;background:var(--brand);transition:width .25s}
.linkbtn{background:none;border:0;color:var(--brand);font-weight:600;cursor:pointer;font-size:14px;padding:8px 6px;min-height:44px;font-family:var(--sans)}.linkbtn[disabled]{color:#94a3b8;cursor:default}
.thread{display:flex;flex-direction:column;gap:8px}
.bot,.me{max-width:88%;padding:10px 14px;border-radius:18px;font-size:15.5px}
.bot{background:var(--soft);border:1px solid var(--line);border-bottom-left-radius:6px;align-self:flex-start}.bot.wide{max-width:100%}
.bot .help{display:block;color:var(--muted);font-size:13.5px;margin-top:3px;font-style:italic}
.me{background:var(--brand);color:#fff;align-self:flex-end;border-bottom-right-radius:6px;cursor:pointer;border:0;text-align:left;font-family:var(--sans);min-height:44px}
.me::after{content:" \270E";opacity:.85;font-size:13px}.me:hover{background:var(--brand-d)}
.ack{align-self:flex-start;color:var(--muted);font-size:13.5px;padding:0 6px}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 4px}
.chip{border:1.5px solid var(--brand);color:var(--brand-d);background:#fff;border-radius:999px;padding:9px 14px;min-height:44px;font-size:15px;cursor:pointer;font-family:var(--sans);text-align:left}
.chip:hover{background:#ecfdf5}.chip.on,.chip[aria-pressed=true]{background:var(--brand);color:#fff}
.chip-l{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--line);border-radius:999px;padding:8px 14px;min-height:44px;cursor:pointer}
.editing{font-size:13px;color:var(--warn);font-weight:600;margin-top:4px}
.amount{display:flex;gap:8px;margin-top:6px}.amount input,.amount select{flex:1;min-width:0}
select,input[type=text],input[type=email],input[type=tel],textarea{font-size:16px;padding:10px 12px;border:1.5px solid #cbd5e1;border-radius:12px;width:100%;font-family:var(--sans);background:#fff;min-height:44px;margin:4px 0}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--down)}
.err{color:var(--down);font-size:14px;margin-top:6px;font-weight:600}
.range{background:#ecfdf5;border:1px solid #a7f3d0;border-radius:16px;padding:14px 16px;margin:10px 0}
.range .amt{font-family:var(--serif);font-size:30px;font-weight:700}.range .amt-none{font-size:20px}
.typ{display:inline-block;background:#fef3c7;color:#92400e;border:1px solid #fcd34d;border-radius:6px;font-size:11.5px;font-weight:700;padding:1px 6px;margin-left:6px;vertical-align:middle;text-transform:uppercase;letter-spacing:.03em}
.banner{background:#fff7ed;border:1px solid #fed7aa;border-radius:12px;padding:10px 14px;margin:8px 0;font-size:15px}
.card{border:1px solid var(--line);border-radius:16px;padding:12px 14px;margin:10px 0;background:#fff}
.card .top{display:flex;gap:10px;align-items:baseline;justify-content:space-between}
.card .name{font-weight:700;font-size:16px}.card .rank{color:var(--muted);font-weight:600;margin-right:6px}
.badge{font-size:12.5px;font-weight:700;border-radius:999px;padding:3px 10px;white-space:nowrap}
.b-likely{background:#dcfce7;color:#14532d}.b-maybe{background:#fef9c3;color:#713f12}.b-unlikely{background:#fee2e2;color:#7f1d1d}.b-not_fit{background:#f1f5f9;color:#334155}
.why{margin:6px 0 2px}.note{font-size:14px;color:#334155;margin:4px 0}ul.note{padding-left:18px}
.statenote{background:#f1f5f9;border-left:4px solid #64748b;padding:8px 10px;border-radius:6px;font-size:14.5px;margin:8px 0}
.advice{background:#fef2f2;border-left:4px solid var(--down);padding:8px 10px;border-radius:6px;font-size:14.5px;margin:8px 0}
.illus{font-size:13.5px;color:#334155;background:var(--soft);border-radius:8px;padding:8px 10px;margin:8px 0}
.cardrange{font-weight:700;margin:6px 0 0}
details{margin-top:6px}summary{cursor:pointer;color:var(--brand-d);font-weight:600;font-size:14px;min-height:44px;display:flex;align-items:center}
details p{font-size:14px;margin:6px 0}
.guide{font-size:14px;color:var(--brand-d);font-weight:600}
.disclosure{font-size:14px;color:#334155;border-top:1px solid var(--line);padding-top:10px;margin-top:14px}
.disclaimer{font-size:13.5px;color:var(--muted)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin:14px 0}
.field{margin:14px 0}.field .l,.field label.l,fieldset.field legend{display:block;font-weight:700;margin-bottom:6px}
fieldset.field{border:0;padding:0;margin:14px 0}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;margin:12px 0}.check input{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--brand)}
.summary{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:12px 14px;font-size:15px}
.done{background:#ecfdf5;border:2px dashed var(--brand);border-radius:16px;padding:16px;margin:12px 0;font-weight:700;font-size:17px;text-align:center}
.other h3{margin-top:20px}
.static section{margin:26px 0}.static ol,.static ul{padding-left:22px}.static li{margin:6px 0}
.static .opt-note{display:block;font-style:italic;color:#334155;font-size:14px}
.faq details{border-top:1px solid var(--line);padding:4px 0}.faq summary{font-size:16px;color:var(--ink)}
.nojs-form fieldset.q{border:1px solid var(--line);border-radius:12px;padding:10px 14px;margin:10px 0}.nojs-form legend{font-weight:700;padding:0 6px}
.nojs-form .opt{display:block;padding:6px 0;min-height:36px}.nojs-form .opt input{width:22px;height:22px;accent-color:var(--brand);vertical-align:middle;margin-right:6px}
.nojs-form .opt.typed input[type=text]{width:auto;display:inline-block;margin-left:6px}
.nojs-form .help{color:var(--muted);font-size:13.5px;margin:0 0 6px}
.site-foot{max-width:680px;margin:0 auto;padding:16px;border-top:1px solid var(--line);font-size:14px;color:#334155}
.mcafax-contact{margin:4px 0}
.cta-apply{background:#ecfdf5;border:1px solid #a7f3d0;border-radius:14px;padding:14px 16px;margin:18px 0}
.cta-apply h3{margin:0 0 6px}.cta-apply p{margin:6px 0}.cta-apply .fine{font-size:13px;color:var(--muted);font-style:italic}
@media (prefers-reduced-motion:reduce){.bar i{transition:none}}
@media (min-width:720px){main{padding-top:24px}h1{font-size:36px}}
@media print{header.site nav,.progress,.actions,.linkbtn,details:not([open]) > *:not(summary),.nojs-form,.cta-apply{display:none}body{font-size:12.5px}details{display:block}details > *{display:block}.card{break-inside:avoid}}

/* ── texting-style composer (chat only) ── */
html.js .apply-main{padding-bottom:150px}
.composer{position:fixed;left:0;right:0;bottom:0;z-index:30;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));transform:translateY(var(--kb,0px));transition:transform .08s}
.composer form{max-width:680px;margin:0 auto;display:flex;gap:8px;align-items:flex-end}
.composer textarea{flex:1;min-height:44px;max-height:120px;resize:none;border-radius:22px;padding:11px 14px;margin:0;line-height:1.3}
.composer button{flex:none;width:44px;height:44px;border-radius:50%;border:0;background:var(--brand);color:#fff;font-size:18px;cursor:pointer;display:flex;align-items:center;justify-content:center}
.composer button[disabled]{background:#cbd5e1;cursor:default}
.composer .hint-line{max-width:680px;margin:6px auto 0;font-size:12.5px;color:var(--muted)}
.me.typed{font-style:normal}
@media print{.composer{display:none}}

/* /apply coming-soon (fix 004): guide list with thumb-sized tap targets */
.guide-list{list-style:none;margin:0 0 14px;padding:0}.guide-list li{border-bottom:1px solid var(--line)}.guide-list li a{display:flex;align-items:center;min-height:44px;padding:8px 0;color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:3px}