/* Start My Business: Funding Matcher + Unfundable Fixer pages (2026-10-29). Scoped to #smb-fm; the report block
   (.fm-report) is shared with the dashboard (src/components/funding/fundingTools.css carries the same rules). */
#smb-fm{--navy:#1E3A5F;--navy-d:#0F1E3D;--gold:#D4A84B;--gold-d:#9a7226;--blue:#2563eb;--ink:#0f1e3d;--muted:#475569;--line:#d6deea;--bg:#f3f6fb;
  font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5;-webkit-text-size-adjust:100%}
#smb-fm *,#smb-fm *::before,#smb-fm *::after{box-sizing:border-box}
#smb-fm [hidden]{display:none!important}
#smb-fm h1,#smb-fm h2,#smb-fm h3,.fm-report h3{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
#smb-fm .fm-wrap{max-width:860px;margin:0 auto;padding:0 16px}
#smb-fm .fm-hero{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 60%,#2b4d7a 100%);color:#fff;padding:40px 0 84px;position:relative;overflow:hidden}
#smb-fm .fm-hero::after{content:"";position:absolute;right:-110px;top:-110px;width:340px;height:340px;border-radius:50%;background:radial-gradient(circle,rgba(212,168,75,.3),rgba(212,168,75,0) 68%)}
#smb-fm .fm-eyebrow{margin:0 0 10px;color:var(--gold);font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase}
#smb-fm h1{margin:0 0 14px;color:#fff;font-size:clamp(32px,7.4vw,50px);line-height:1.06;font-weight:800;letter-spacing:-.02em}
#smb-fm .fm-lede{margin:0 0 20px;max-width:640px;color:#e3eaf5;font-size:16.5px}
#smb-fm .fm-chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
#smb-fm .fm-chips li{display:inline-flex;align-items:center;gap:8px;padding:7px 13px;border:1px solid rgba(255,255,255,.22);border-radius:999px;background:rgba(255,255,255,.07);color:#fff;font-size:13px;font-weight:500}
#smb-fm .fm-chips svg{width:16px;height:16px;fill:none;stroke:var(--gold);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}
#smb-fm .fm-main{margin-top:-56px;padding-bottom:40px;position:relative;z-index:2}
#smb-fm .fm-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 18px 44px rgba(15,30,61,.12);padding:20px 16px 22px;scroll-margin-top:90px}
@media(min-width:700px){#smb-fm .fm-card{padding:30px 34px 32px}#smb-fm .fm-hero{padding:58px 0 100px}}
#smb-fm .fm-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:8px;font-size:13px;color:var(--muted);font-weight:600}
#smb-fm .fm-top b{color:var(--navy)}
#smb-fm .fm-bar{height:8px;border-radius:99px;background:#e6ecf5;overflow:hidden;margin-bottom:20px}
#smb-fm .fm-bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--blue),var(--gold));border-radius:99px;transition:width .3s ease}
#smb-fm .fm-qt{margin:0 0 16px;font-size:clamp(20px,4.6vw,25px);line-height:1.25;font-weight:800;color:var(--navy-d);outline:none}
#smb-fm .fm-opts{display:grid;gap:10px}
@media(min-width:700px){#smb-fm .fm-opts{grid-template-columns:1fr 1fr}}
#smb-fm .fm-opt{display:flex;align-items:center;gap:12px;width:100%;min-height:54px;text-align:left;padding:13px 16px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);font:600 15.5px/1.3 Inter,system-ui,sans-serif;cursor:pointer;transition:border-color .15s,background .15s,transform .1s}
#smb-fm .fm-opt::before{content:"";flex:none;width:20px;height:20px;border-radius:50%;border:2px solid #b7c3d6;background:#fff;transition:all .15s}
#smb-fm .fm-opt:hover{border-color:var(--blue);background:#f6f9ff}
#smb-fm .fm-opt:active{transform:scale(.99)}
#smb-fm .fm-opt:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
#smb-fm .fm-opt.on{border-color:var(--blue);background:#eef4ff}
#smb-fm .fm-opt.on::before{border-color:var(--blue);background:var(--blue);box-shadow:inset 0 0 0 3px #fff}
#smb-fm .fm-select{width:100%;min-height:54px;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);font:600 16px Inter,system-ui,sans-serif}
#smb-fm .fm-nav{display:flex;justify-content:space-between;gap:10px;margin-top:20px}
#smb-fm .fm-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:12px;border:0;font:700 15px Inter,system-ui,sans-serif;cursor:pointer;text-decoration:none}
#smb-fm .fm-btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
#smb-fm .fm-btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(37,99,235,.28)}
#smb-fm .fm-btn-primary:hover{background:#1d4fd8}
#smb-fm .fm-btn-primary:disabled{opacity:.7;cursor:wait}
#smb-fm .fm-btn-ghost{background:#eef2f8;color:var(--navy)}
#smb-fm .fm-link{background:none;border:0;padding:0;color:var(--blue);font:600 14px Inter,system-ui,sans-serif;text-decoration:underline;cursor:pointer}
#smb-fm .fm-restored{margin:0 0 14px;padding:10px 12px;border-radius:10px;background:#fff8e8;border:1px solid #f1dfb3;font-size:14px;color:#5b4a1d}
#smb-fm .fm-teaser{display:flex;align-items:center;gap:18px;margin-bottom:14px}
#smb-fm .fm-gate-msg{margin:0 0 18px;font-size:16px;color:var(--muted)}
#smb-fm .fm-field{display:block;margin-bottom:12px}
#smb-fm .fm-field span{display:block;margin-bottom:6px;font-size:14px;font-weight:700;color:var(--navy)}
#smb-fm .fm-field input{width:100%;min-height:50px;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;font:500 16px Inter,system-ui,sans-serif;color:var(--ink);background:#fff}
#smb-fm .fm-field input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
#smb-fm .fm-consent{display:flex;gap:10px;align-items:flex-start;margin:6px 0 16px;font-size:13.5px;color:var(--muted)}
#smb-fm .fm-consent input{width:20px;height:20px;margin-top:1px;flex:none;accent-color:var(--blue)}
#smb-fm .fm-err{min-height:20px;margin:0 0 10px;color:#b91c1c;font-size:14px;font-weight:600}
#smb-fm .fm-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
#smb-fm .fm-sent{margin:0 0 16px;padding:12px 14px;border-radius:12px;background:#ecfdf3;border:1px solid #b7ebcb;color:#14532d;font-size:14.5px;font-weight:600}
#smb-fm .fm-cross{margin-top:18px;padding:16px;border-radius:14px;background:#f6f9ff;border:1px solid #d8e4fb;font-size:15px}
#smb-fm .fm-cross a{color:var(--blue);font-weight:700}
#smb-fm .fm-info{padding:8px 0 56px}
#smb-fm .fm-info h2{margin:28px 0 10px;font-size:clamp(22px,4.6vw,28px);line-height:1.2;color:var(--navy-d);font-weight:800}
#smb-fm .fm-info p,#smb-fm .fm-info li{font-size:16px;color:#334155}
#smb-fm .fm-info details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:14px 16px;margin-bottom:10px}
#smb-fm .fm-info summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:16px}
#smb-fm .fm-info details p{margin:10px 0 0}

/* ---- report (shared) ---- */
.fm-report{--fm-navy:#1E3A5F;--fm-ink:#0f1e3d;--fm-muted:#475569;--fm-line:#dbe3ef;--fm-blue:#2563eb;--fm-gold:#D4A84B;color:var(--fm-ink);font-size:15px;line-height:1.55}
.fm-report h3{margin:26px 0 10px;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#8a6420;font-weight:800}
.fm-report p{margin:0 0 8px}
.fm-score,#smb-fm .fm-teaser{display:flex;align-items:center;gap:18px}
.fm-ring{--p:0;flex:none;width:96px;height:96px;border-radius:50%;display:grid;place-items:center;align-content:center;background:conic-gradient(var(--fm-blue,#2563eb) calc(var(--p)*1%),#e6ecf5 0);position:relative}
.fm-ring::before{content:"";position:absolute;inset:9px;border-radius:50%;background:#fff}
.fm-ring b,.fm-ring span{position:relative;line-height:1}
.fm-ring b{font-size:30px;font-weight:800;color:var(--fm-navy,#1E3A5F)}
.fm-ring span{font-size:11px;color:#64748b;margin-top:3px}
.fm-k{margin:0;font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:#64748b}
.fm-band{margin:2px 0 0;font-size:24px;font-weight:800;color:var(--fm-navy,#1E3A5F)}
.fm-summary{margin-top:16px;padding:16px 18px;border-radius:14px;background:#f6f9ff;border:1px solid #d8e4fb}
.fm-summary p{margin:0 0 10px}.fm-summary p:last-child{margin:0}
.fm-types{display:grid;gap:10px}
@media(min-width:760px){.fm-types{grid-template-columns:1fr 1fr}}
.fm-type{border:1px solid var(--fm-line);border-left:5px solid #94a3b8;border-radius:12px;padding:12px 14px;background:#fff}
.fm-type p{font-size:14px;color:var(--fm-muted)}
.fm-type.fm-fits{border-left-color:#16a34a}.fm-type.fm-close{border-left-color:#d97706}
.fm-type-h{display:flex;justify-content:space-between;gap:10px;align-items:flex-start;margin-bottom:4px}
.fm-pill{flex:none;display:inline-block;padding:3px 9px;border-radius:999px;font-size:11.5px;font-weight:800;letter-spacing:.02em;background:#eef2f7;color:#475569}
.fm-fits .fm-pill{background:#dcfce7;color:#14532d}.fm-close .fm-pill{background:#fef3c7;color:#7c4a03}
.fm-miss{font-size:13.5px!important}.fm-miss span{font-weight:700;color:#7c4a03}
.fm-fix,.fm-order,.fm-flags{margin:0;padding-left:22px}
.fm-fix li,.fm-order>li{margin-bottom:12px}
.fm-fix span{display:block;font-size:13.5px;color:var(--fm-muted)}
.fm-order>li>p{color:var(--fm-muted);font-size:14.5px}
.fm-lenders{list-style:none;margin:8px 0 0;padding:0;display:grid;gap:6px}
.fm-lenders li{display:flex;flex-wrap:wrap;gap:2px 10px;align-items:baseline;padding:9px 12px;border-radius:10px;background:#f8fafc;border:1px solid #e8edf4}
.fm-lenders li span{font-size:13px;color:var(--fm-muted)}
.fm-note{font-size:13.5px;color:var(--fm-muted);padding:10px 12px;border-radius:10px;background:#fffaf0;border:1px solid #f2e3bf}
.fm-time{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.fm-time li{display:grid;gap:2px;padding:10px 12px;border-left:3px solid var(--fm-gold);background:#fff}
.fm-time li span{font-size:14px;color:var(--fm-muted)}
.fm-flags{padding-left:0;list-style:none;display:grid;gap:10px}
.fm-flags li{border:1px solid var(--fm-line);border-left:5px solid #94a3b8;border-radius:12px;padding:12px 14px;background:#fff}
.fm-flags li p{font-size:14px;color:#334155}
.fm-flags .fm-sev-critical{border-left-color:#dc2626}.fm-flags .fm-sev-high{border-left-color:#ea580c}.fm-flags .fm-sev-medium{border-left-color:#d97706}
.fm-sev-critical .fm-pill{background:#fee2e2;color:#7f1d1d}.fm-sev-high .fm-pill{background:#ffedd5;color:#7c2d12}.fm-sev-medium .fm-pill{background:#fef3c7;color:#7c4a03}
.fm-flag-h{display:flex;gap:10px;align-items:center;margin-bottom:4px}
.fm-area{font-size:12px!important;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:#64748b!important}
.fm-flags a,.fm-report a{color:var(--fm-blue);font-weight:700}
.fm-good{padding:12px 14px;border-radius:12px;background:#ecfdf3;border:1px solid #b7ebcb;color:#14532d;font-weight:600}
.fm-never{margin:0;padding-left:20px;font-size:14px;color:#334155}
.fm-ctas{display:grid;gap:10px}
@media(min-width:700px){.fm-ctas{grid-template-columns:1fr 1fr}}
.fm-cta{display:block;padding:14px 16px;border-radius:12px;border:1.5px solid #cfdcf3;background:#fff;text-decoration:none;color:var(--fm-ink)!important;transition:border-color .15s,box-shadow .15s}
.fm-cta:hover{border-color:var(--fm-blue);box-shadow:0 6px 18px rgba(37,99,235,.12)}
.fm-cta b{display:block;color:var(--fm-blue);font-size:15.5px}
.fm-cta span{display:block;font-size:13.5px;color:var(--fm-muted);font-weight:500}
.fm-cta-phone{background:var(--fm-navy);border-color:var(--fm-navy)}
.fm-cta-phone b{color:#fff}.fm-cta-phone span{color:#dbe5f3}
.fm-disc{margin-top:18px!important;font-size:12.5px;color:#64748b}
.fm-model{margin-top:14px;padding:14px 16px;border-radius:14px;background:#fffaf0;border:1px solid #f2e3bf}
.fm-model ul{margin:6px 0 0;padding-left:20px;font-size:14.5px;color:#334155}
.fm-model li{margin-bottom:4px}
.fm-res{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.fm-res li{padding:10px 12px;border:1px solid #e2e8f0;border-radius:10px;background:#fff}
.fm-res li span{display:block;font-size:13.5px;color:#475569}
/* v3: models + multi-select */
#smb-fm .fm-pick-h{margin:0 0 6px;font-size:clamp(20px,4.6vw,25px);font-weight:800;color:var(--navy-d)}
#smb-fm .fm-pick-sub{margin:0 0 14px;font-size:14.5px;color:var(--muted)}
#smb-fm .fm-models{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:20px}
@media(min-width:760px){#smb-fm .fm-models{grid-template-columns:repeat(4,1fr)}}
#smb-fm .fm-model-btn{display:block;text-align:left;padding:11px 12px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);cursor:pointer;font-family:Inter,system-ui,sans-serif;min-height:64px}
#smb-fm .fm-model-btn b{display:block;font-size:14.5px;line-height:1.25;color:var(--navy-d)}
#smb-fm .fm-model-btn span{display:block;font-size:12.5px;color:var(--muted);margin-top:2px}
#smb-fm .fm-model-btn em{display:inline-block;margin-top:6px;font-style:normal;font-size:11.5px;font-weight:700;color:#14532d;background:#dcfce7;border-radius:999px;padding:1px 8px}
#smb-fm .fm-model-btn:hover{border-color:var(--blue)}
#smb-fm .fm-model-btn:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
#smb-fm .fm-model-btn.on{border-color:var(--blue);background:#eef4ff;box-shadow:inset 0 0 0 1px var(--blue)}
#smb-fm .fm-hint{margin:-6px 0 12px;font-size:14px;color:var(--muted)}
#smb-fm .fm-mwrap{display:grid;gap:6px}
#smb-fm .fm-check::before{border-radius:6px}
#smb-fm .fm-check.on::before{background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat;box-shadow:none}
#smb-fm .fm-val{display:flex;align-items:center;gap:10px;padding:8px 12px;border:1px dashed #c9d6ea;border-radius:10px;background:#f8fafc}
#smb-fm .fm-val span{flex:none;font-size:13px;font-weight:700;color:var(--navy)}
#smb-fm .fm-val input{flex:1;min-width:0;min-height:42px;padding:8px 12px;border:1.5px solid var(--line);border-radius:10px;font:600 16px Inter,system-ui,sans-serif;color:var(--ink);background:#fff}
#smb-fm .fm-val input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(37,99,235,.15)}
/* v3 charts (shared with the dashboard) */
.fm-viz{display:grid;gap:14px;align-items:center;margin-top:6px}
@media(min-width:700px){.fm-viz{grid-template-columns:minmax(200px,260px) 1fr}}
.fm-gauge{width:100%;max-width:260px;height:auto;display:block;margin:0 auto}
.fm-donut-wrap{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.fm-donut{width:130px;height:130px;flex:none}
.fm-legend{list-style:none;margin:0;padding:0;display:grid;gap:4px;font-size:13.5px;color:#334155;flex:1;min-width:160px}
.fm-legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:7px;vertical-align:-1px}
.fm-legend b{color:#1E3A5F}
.fm-bars{display:grid;gap:8px}
.fm-bar-row{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr) 40px;gap:10px;align-items:center;font-size:13.5px}
.fm-bar-row span{color:#334155;line-height:1.25}
.fm-bar-row b{font-size:12.5px;color:#475569;text-align:right}
.fm-bar-track{height:10px;border-radius:99px;background:#e6ecf5;overflow:hidden}
.fm-bar-track i{display:block;height:100%;border-radius:99px}
@media(max-width:480px){.fm-bar-row{grid-template-columns:1fr 40px}.fm-bar-row .fm-bar-track{grid-column:1/-1;grid-row:2}}
.fm-gantt{display:grid;gap:5px;font-size:13px}
.fm-g-head,.fm-g-row{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1.4fr);gap:8px;align-items:center}
.fm-g-cells{display:grid;grid-template-columns:repeat(4,1fr);gap:4px}
.fm-g-hc span{font-size:11px;font-weight:700;color:#64748b;text-align:center;line-height:1.15}
.fm-g-cells i{height:14px;border-radius:5px;background:#f1f5f9}
.fm-g-lab{color:#334155;line-height:1.25}
.fm-check-list{list-style:none;margin:0;padding:0;display:grid;gap:6px}
@media(min-width:700px){.fm-check-list{grid-template-columns:1fr 1fr}}
.fm-check-list li{position:relative;padding:8px 10px 8px 34px;border-radius:10px;background:#fff;border:1px solid #e2e8f0;font-size:14px;color:#334155}
.fm-check-list li::before{content:"";position:absolute;left:10px;top:50%;width:16px;height:16px;margin-top:-8px;border-radius:50%}
.fm-check-list li.ok::before{background:#16a34a url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/11px no-repeat}
.fm-check-list li.no::before{background:#fff;border:2px solid #d97706;box-sizing:border-box}
/* question info popover */
#smb-fm .fm-qrow{display:flex;gap:10px;align-items:flex-start}
#smb-fm .fm-qrow .fm-qt{flex:1}
#smb-fm .fm-i{flex:none;width:32px;height:32px;margin-top:2px;border-radius:50%;border:1.5px solid #c9d6ea;background:#fff;color:var(--blue);font:800 15px/1 Georgia,serif;cursor:pointer}
#smb-fm .fm-i[aria-expanded="true"]{background:var(--blue);color:#fff;border-color:var(--blue)}
#smb-fm .fm-info-pop{margin:-4px 0 14px;padding:12px 14px;border-radius:12px;background:#f6f9ff;border:1px solid #d8e4fb;font-size:14.5px;color:#334155;max-width:100%}
#smb-fm .fm-info-pop svg{display:block;width:100%;max-width:340px;height:auto;margin:10px 0 2px}
#smb-fm .fm-hero-grid{display:grid;gap:22px;max-width:1120px}
@media(min-width:900px){#smb-fm .fm-hero-grid{grid-template-columns:2fr 1fr;align-items:center}}
#smb-fm .fm-hero-video{position:relative;z-index:1}
#smb-fm .fm-hero-video video{display:block;width:100%;aspect-ratio:16/9;border-radius:14px;background:#0F1E3D;border:1px solid rgba(255,255,255,.18);box-shadow:0 18px 40px rgba(0,0,0,.35)}
#smb-fm .fm-hero-video p{margin:8px 0 0;font-size:13px;color:#cbd5e1}
#smb-fm .fm-opts>*{min-width:0}
@media(min-width:700px){#smb-fm .fm-opts{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}}
#smb-fm .fm-mwrap{min-width:0}
#smb-fm .fm-val{flex-wrap:wrap;min-width:0}
#smb-fm .fm-val input{width:100%;flex:1 1 140px}
#smb-fm .fm-pick-sum{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:10px 12px;margin-bottom:16px;border-radius:12px;background:#eef4ff;border:1px solid #c7d7fb;font-size:14.5px;color:#1E3A5F}
#smb-fm .fm-picked .fm-pick-h,#smb-fm .fm-picked .fm-pick-sub{display:none}