/* ============================================================
   styles.css — Brand Refresh
   Deep Navy / Steel Blue / Crimson Red / Teal / Mint Green
   ============================================================ */

@import url("https://fonts.googleapis.com/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap");

/* ========================================
   CSS Variables & Design Tokens
   ======================================== */
:root {
  /* ---- Brand core (from logo) ---- */
  --navy: #00205F;
  --navy-700: #001845;
  --navy-500: #0B2E73;
  --steel: #1F4E78;
  --steel-500: #2C6191;
  --crimson: #C00000;
  --crimson-600: #A00000;
  --crimson-400: #E13333;
  --teal: #2BA6A6;
  --teal-600: #218686;
  --mint: #96D584;
  --mint-600: #78C063;

  /* ---- Primary palette mapped onto UI roles ---- */
  --color-primary: var(--navy);
  --color-primary-light: var(--steel);
  --color-primary-dark: var(--navy-700);
  --color-primary-surface: #E7ECF6;
  --color-primary-gradient: linear-gradient(135deg, var(--navy) 0%, var(--steel) 100%);

  /* CTA accent — the one place boldness is spent */
  --color-accent: var(--crimson);
  --color-accent-dark: var(--crimson-600);
  --color-accent-light: #FBE7E7;
  --color-accent-gradient: linear-gradient(135deg, var(--crimson) 0%, #E03A3A 55%, var(--crimson-600) 100%);

  /* Secondary / structural */
  --color-secondary: var(--steel);
  --color-secondary-surface: #E9F0F6;

  /* Semantic */
  --color-success: var(--teal-600);
  --color-success-light: #E4F5F2;
  --color-positive: #4E9B3B;
  --color-positive-light: #EEF7EA;
  --color-danger: var(--crimson);
  --color-danger-light: #FBEAEA;
  --color-warning: #B4791F;
  --color-warning-light: #FBF1E3;
  --color-info: var(--steel);
  --color-info-light: #E9F0F6;

  /* Neutral */
  --color-bg: #F4F6FA;
  --color-surface: #ffffff;
  --color-surface-elevated: #FAFBFD;
  --color-border: #E1E6EE;
  --color-border-strong: #C6CEDC;

  --color-text: #101A33;
  --color-text-secondary: #46516B;
  --color-text-muted: #7C879E;
  --color-text-inverse: #ffffff;

  /* ---- Shadows (tinted navy, not flat black) ---- */
  --shadow-sm: 0 1px 2px rgba(0,32,95,0.06), 0 1px 1px rgba(0,32,95,0.04);
  --shadow-md: 0 8px 24px rgba(0,32,95,0.10), 0 2px 6px rgba(0,32,95,0.06);
  --shadow-lg: 0 20px 48px rgba(0,32,95,0.16), 0 6px 16px rgba(0,32,95,0.08);
  --shadow-xl: 0 28px 72px rgba(0,32,95,0.22), 0 10px 24px rgba(0,32,95,0.10);
  --shadow-focus: 0 0 0 4px rgba(31,78,120,0.22);
  --glow-accent: 0 8px 22px rgba(192,0,0,0.30), 0 2px 6px rgba(192,0,0,0.22);
  --glow-accent-hover: 0 12px 32px rgba(192,0,0,0.38), 0 4px 10px rgba(192,0,0,0.26);

  /* ---- Typography ---- */
  --font-display: "Space Grotesk", "Segoe UI", var(--font-family), sans-serif;
  --font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --font-mono: "SF Mono", "Cascadia Code", "Consolas", monospace;

  /* Spacing — generous, deliberate gaps between components */
  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 24px;
  --space-6: 32px;
  --space-8: 44px;
  --space-10: 56px;
  --space-12: 72px;
  --space-16: 96px;

  /* Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 20px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-base: 240ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 380ms cubic-bezier(0.4, 0, 0.2, 1);
  --transition-bounce: 480ms cubic-bezier(0.2, 0.9, 0.25, 1.35);
}

/* ========================================
   Reset & Base
   ======================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-family);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text);
  background: var(--color-bg);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* ========================================
   Typography
   ======================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.015em;
  color: var(--color-text);
}

h1 { font-size: 2.5rem; }
h2 { font-size: 2rem; }
h3 { font-size: 1.2rem; font-weight: 600; }
h4 { font-size: 1rem; font-weight: 600; }

p {
  margin-bottom: 0.5rem;
  color: var(--color-text-secondary);
}

a {
  color: var(--color-steel-500, var(--steel));
  text-decoration: none;
  transition: color var(--transition-fast);
}
a:hover { color: var(--crimson); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4em;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--color-primary-surface);
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.75rem;
}
.eyebrow::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--crimson);
  flex-shrink: 0;
}

.muted {
  color: var(--color-text-muted);
  font-size: 0.9rem;
}

.tabular {
  font-feature-settings: "tnum";
  font-variant-numeric: tabular-nums;
}

/* ========================================
   Brand
   ======================================== */
.brand {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-weight: 600;
  color: var(--color-text);
  transition: opacity var(--transition-fast);
}
.brand:hover { opacity: 0.85; }

.brand-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  position: relative;
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius-md);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  flex-shrink: 0;
  overflow: hidden;
  box-shadow: 0 2px 8px rgba(0,32,95,0.35);
}
/* echoes the chart-bar + circuit-dot motif from the logo mark */
.brand-mark::before {
  content: "";
  position: absolute;
  inset: auto 6px 6px 6px;
  height: 12px;
  background: linear-gradient(90deg, var(--crimson) 0%, var(--teal) 60%, var(--mint) 100%);
  border-radius: 2px;
  opacity: 0.9;
}
.brand-mark::after {
  content: "";
  position: absolute;
  top: 7px;
  right: 7px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--mint);
  box-shadow: 0 0 6px rgba(150,213,132,0.9);
}

.brand strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.1rem;
  line-height: 1.2;
  letter-spacing: -0.01em;
}
.brand small {
  display: block;
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--color-text-muted);
  letter-spacing: 0.02em;
}

.brand-light .brand-mark {
  background: rgba(255,255,255,0.14);
}
.brand-light small {
  color: rgba(255,255,255,0.65);
}

/* Standalone logo image (replaces the text/letter .brand-mark when you have
   an actual logo file). Use on <img class="brand-logo" src="logo.png"> */
.brand-logo {
  height: 36px;
  width: auto;
  display: block;
  flex-shrink: 0;
}

/* Fixed badge in the top-right corner of the viewport — use when the logo
   should stay visible while scrolling, independent of the header. */
.corner-logo {
  position: fixed;
  top: var(--space-4);
  left: var(--space-5);
  z-index: 500;
  height: 44px;
  max-width: 150px;
  width: auto;
  display: block;
  object-fit: contain;
  border-radius: var(--radius-sm);
  filter: drop-shadow(0 4px 12px rgba(0,32,95,0.25));
  transition: transform var(--transition-fast);
}
.corner-logo:hover {
  transform: translateY(-1px) scale(1.02);
}
@media (max-width: 768px) {
  .corner-logo {
    height: 34px;
    max-width: 112px;
    top: var(--space-3);
    left: var(--space-3);
  }
}

/* ========================================
   Buttons
   ======================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: 0.65rem 1.3rem;
  font-size: 0.9rem;
  font-weight: 600;
  font-family: inherit;
  line-height: 1.4;
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: transform var(--transition-fast), box-shadow var(--transition-fast),
              background var(--transition-fast), border-color var(--transition-fast), color var(--transition-fast);
  text-decoration: none;
  position: relative;
  white-space: nowrap;
  isolation: isolate;
}
.btn:focus-visible {
  outline: none;
  box-shadow: var(--shadow-focus);
}
.btn:active { transform: translateY(1px) scale(0.985); }

.btn i {
  width: 1.15em;
  height: 1.15em;
  flex-shrink: 0;
}

/* Primary CTA — the one bold, attention-catching surface in the system */
.btn-primary {
  background: var(--color-accent-gradient);
  background-size: 160% 160%;
  background-position: 0% 50%;
  color: #fff;
  box-shadow: var(--glow-accent);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: var(--glow-accent-hover);
  background-position: 100% 50%;
  color: #fff;
}
.btn-primary:active {
  transform: translateY(0);
  box-shadow: var(--glow-accent);
}

/* Structural secondary action, in brand navy */
.btn-secondary {
  background: var(--color-surface);
  color: var(--navy);
  border: 1.5px solid var(--color-border);
}
.btn-secondary:hover {
  background: var(--color-primary-surface);
  border-color: var(--steel);
  color: var(--navy);
  transform: translateY(-1px);
}

.btn-tertiary {
  background: var(--navy);
  color: #fff;
  box-shadow: 0 4px 14px rgba(0,32,95,0.28);
}
.btn-tertiary:hover {
  background: var(--navy-500);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(0,32,95,0.34);
  color: #fff;
}

.btn-success {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-600) 100%);
  color: #fff;
  box-shadow: 0 4px 14px rgba(43,166,166,0.30);
}
.btn-success:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(43,166,166,0.36);
  color: #fff;
}

.btn-danger {
  background: var(--crimson);
  color: #fff;
  box-shadow: 0 4px 14px rgba(192,0,0,0.28);
}
.btn-danger:hover {
  background: var(--crimson-600);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(192,0,0,0.32);
  color: #fff;
}

.btn-ghost {
  background: transparent;
  color: var(--color-text-secondary);
}
.btn-ghost:hover {
  background: var(--color-bg);
  color: var(--navy);
}

.btn-lg {
  padding: 0.85rem 2rem;
  font-size: 1rem;
  border-radius: var(--radius-lg);
}
.btn-sm {
  padding: 0.4rem 0.85rem;
  font-size: 0.8rem;
}
.btn-full {
  width: 100%;
  justify-content: center;
}

.icon-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border: none;
  border-radius: var(--radius-md);
  background: transparent;
  color: var(--color-text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}
.icon-btn:hover {
  background: var(--color-primary-surface);
  color: var(--navy);
  transform: translateY(-1px);
}
.icon-btn:focus-visible {
  outline: none;
  box-shadow: var(--shadow-focus);
}
.icon-btn i {
  width: 1.25rem;
  height: 1.25rem;
}

/* ========================================
   Forms
   ======================================== */
label {
  display: block;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--color-text-secondary);
  margin-bottom: 0.3rem;
}

input, select, textarea {
  width: 100%;
  padding: 0.65rem 0.8rem;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--color-text);
  background: var(--color-surface);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
  appearance: none;
}
input:hover, select:hover, textarea:hover {
  border-color: var(--color-border-strong);
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--steel);
  box-shadow: var(--shadow-focus);
}
input:disabled, select:disabled, textarea:disabled {
  opacity: 0.55;
  cursor: not-allowed;
}

select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2346516B' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.75rem center;
  padding-right: 2.5rem;
}
select optgroup { font-weight: 600; }

textarea {
  resize: vertical;
  min-height: 80px;
}

.password-field {
  display: flex;
  gap: 0;
  border-radius: var(--radius-md);
  overflow: hidden;
}
.password-field input {
  border-radius: 0;
  border-right: none;
}
.password-field input:focus {
  box-shadow: none;
}
.password-field .icon-btn {
  border: 1.5px solid var(--color-border);
  border-left: none;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  flex-shrink: 0;
  width: 44px;
  height: 44px;
}
.password-field .icon-btn:hover {
  background: var(--color-bg);
  transform: none;
}

.stack-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.stack-form .btn {
  margin-top: var(--space-2);
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
}
.form-grid.three {
  grid-template-columns: 1fr 1fr 1fr;
}

/* ========================================
   Cards
   ======================================== */
.card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
  transition: box-shadow var(--transition-base), border-color var(--transition-base), transform var(--transition-base);
}
.card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
}

/* ========================================
   App Shell (Dashboard Layout)
   ======================================== */
.app-shell {
  display: flex;
  min-height: 100vh;
  background: var(--color-bg);
}

/* Sidebar */
.sidebar {
  position: sticky;
  top: 0;
  height: 100vh;
  width: 280px;
  background: var(--navy);
  border-right: 1px solid rgba(255,255,255,0.06);
  display: flex;
  flex-direction: column;
  padding: var(--space-5);
  gap: var(--space-4);
  flex-shrink: 0;
  overflow-y: auto;
  z-index: 100;
  transition: transform var(--transition-base);
}
.sidebar .brand {
  padding-bottom: var(--space-4);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  color: #fff;
}
.sidebar .brand small {
  color: rgba(255,255,255,0.55);
}
.sidebar .brand-mark {
  background: rgba(255,255,255,0.12);
}

.side-nav {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  flex: 1;
}

.side-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.65rem 0.85rem;
  font-size: 0.9rem;
  font-weight: 500;
  font-family: inherit;
  color: rgba(255,255,255,0.68);
  background: transparent;
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  width: 100%;
  text-align: left;
}
.side-link span:first-child {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}
.side-link i {
  width: 1.2rem;
  height: 1.2rem;
  flex-shrink: 0;
}
.side-link:hover {
  background: rgba(255,255,255,0.08);
  color: #fff;
}
.side-link.active {
  background: linear-gradient(90deg, rgba(43,166,166,0.22) 0%, rgba(43,166,166,0.08) 100%);
  color: #fff;
  font-weight: 600;
  box-shadow: inset 3px 0 0 var(--teal);
}
.side-link.active i {
  color: var(--mint);
}

.nav-badge {
  background: var(--crimson);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  padding: 0.1rem 0.6rem;
  border-radius: var(--radius-full);
  min-width: 20px;
  text-align: center;
}

.side-account {
  padding-top: var(--space-4);
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}
.side-account .account-name {
  font-weight: 600;
  color: #fff;
  margin-bottom: 0;
}
.side-account .account-role {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: var(--space-2);
}

/* Main content area */
.app-main {
  flex: 1;
  display: flex;
  flex-direction: column;
  min-width: 0;
}

/* Topbar */
.topbar {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: var(--space-4) var(--space-6);
  display: flex;
  align-items: center;
  gap: var(--space-4);
  position: sticky;
  top: 0;
  z-index: 50;
  flex-wrap: wrap;
}
.topbar > div:first-of-type {
  flex: 1;
  min-width: 0;
}
.topbar h1 {
  font-size: 1.25rem;
  margin-bottom: 0;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.topbar .eyebrow {
  margin-bottom: 0;
  font-size: 0.65rem;
  padding: 0.15rem 0.65rem;
}
.topbar-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.sidebar-toggle,
[data-sidebar-toggle] {
  display: none;
}

/* Workspace */
.workspace {
  flex: 1;
  padding: var(--space-6);
  max-width: 1400px;
  width: 100%;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-6);
}

/* ========================================
   Dashboard Components
   ======================================== */
/* View Header */
.view-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-4);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--color-border);
}
.view-header h2 {
  font-size: 1.5rem;
  margin-bottom: 0.25rem;
}
.view-header p {
  color: var(--color-text-muted);
  margin-bottom: 0;
  max-width: 560px;
}

/* Stat Grid */
.stat-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(160px, 1fr));
  gap: var(--space-4);
}
.stat-grid.compact {
  grid-template-columns: repeat(auto-fill, minmax(130px, 1fr));
}

.metric-card {
  display: grid;
  grid-template-columns: 42px minmax(0, 1fr);
  align-items: center;
  column-gap: var(--space-3);
  padding: var(--space-4);
  text-align: left;
  min-width: 0;
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
}
.metric-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
}
.metric-card .metric-top {
  grid-row: span 3;
}
.metric-card .metric-icon {
  margin-bottom: 0;
}
.metric-action-card {
  cursor: pointer;
  border-color: var(--color-border);
}
.metric-action-card:hover {
  border-color: var(--steel);
}

.metric-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-full);
  margin-bottom: var(--space-2);
}
.metric-icon i {
  width: 1.2rem;
  height: 1.2rem;
}
.metric-icon.teal { background: var(--color-primary-surface); color: var(--navy); }
.metric-icon.green { background: var(--color-success-light); color: var(--teal-600); }
.metric-icon.gold { background: var(--color-warning-light); color: var(--color-warning); }
.metric-icon.red { background: var(--color-danger-light); color: var(--crimson); }

.metric-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-text-muted);
  margin-bottom: 0.1rem;
}
.metric-value {
  min-width: 0;
  overflow-wrap: anywhere;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 700;
  color: var(--color-text);
  line-height: 1.3;
}
.metric-sub {
  min-width: 0;
  overflow-wrap: anywhere;
  font-size: 0.75rem;
  color: var(--color-text-muted);
  margin-top: 0.1rem;
}

/* Dashboard Grid */
.dashboard-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
}
.dashboard-grid > *,
.application-layout > * {
  min-width: 0;
}
.dashboard-grid .card {
  padding: var(--space-5);
}

.panel-title {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-4);
  gap: var(--space-3);
}
.panel-title h3 {
  margin-bottom: 0;
  font-size: 1rem;
}

/* Action Grid */
.action-grid {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.action-card {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface-elevated);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  font-family: inherit;
  text-align: left;
  width: 100%;
}
.action-card:hover {
  border-color: var(--steel);
  background: var(--color-primary-surface);
  transform: translateX(4px);
}
.action-card i {
  color: var(--navy);
  width: 1.5rem;
  height: 1.5rem;
  flex-shrink: 0;
}
.action-card span {
  display: flex;
  flex-direction: column;
}
.action-card strong {
  color: var(--color-text);
  font-size: 0.9rem;
}
.action-card span span {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* ========================================
   Loan Cards
   ======================================== */
.loan-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.loan-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  transition: box-shadow var(--transition-base), border-color var(--transition-base);
}
.loan-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
}

.loan-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--space-3);
  margin-bottom: var(--space-3);
}
.loan-card-header h3 {
  font-size: 1rem;
  margin-bottom: 0.1rem;
}
.loan-card-header p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

.loan-meta {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
  gap: var(--space-3);
  margin: var(--space-3) 0;
}
.loan-meta div {
  display: flex;
  flex-direction: column;
}
.loan-meta span {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-text-muted);
}
.loan-meta strong {
  font-size: 1rem;
  font-weight: 600;
}

.payment-schedule {
  background: var(--color-bg);
  border-radius: var(--radius-md);
  padding: var(--space-3);
  margin: var(--space-3) 0;
}
.schedule-row {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: 0.85rem;
}
.schedule-row span:first-child {
  color: var(--color-text-muted);
  width: 72px;
  flex-shrink: 0;
}
.schedule-row strong {
  flex: 1;
}
.schedule-row span:last-child {
  color: var(--color-text-muted);
  text-align: right;
}

.loan-card-footer {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-top: var(--space-3);
  border-top: 1px solid var(--color-border);
  gap: var(--space-3);
}

/* ========================================
   Status Badges
   ======================================== */
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-1);
  padding: 0.2rem 0.65rem;
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: var(--radius-full);
  text-transform: capitalize;
  line-height: 1.6;
}
.status-badge::before {
  content: "";
  display: inline-block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
}

.status-pending { background: var(--color-warning-light); color: var(--color-warning); }
.status-pending::before { background: var(--color-warning); }

.status-active { background: var(--color-primary-surface); color: var(--navy); }
.status-active::before { background: var(--steel); }

.status-overdue { background: var(--color-danger-light); color: var(--crimson); }
.status-overdue::before { background: var(--crimson); }

.status-completed { background: var(--color-success-light); color: var(--teal-600); }
.status-completed::before { background: var(--teal); }

.status-rejected { background: #EEF0F4; color: var(--color-text-muted); }
.status-rejected::before { background: var(--color-text-muted); }

.status-approved { background: var(--color-positive-light); color: var(--color-positive); }
.status-approved::before { background: var(--mint-600); }

/* ========================================
   Tables
   ======================================== */
.table-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  overflow: hidden;
}
.table-card .panel-title {
  padding: var(--space-4) var(--space-5) 0;
}

.filters {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-5);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface-elevated);
}
.filters input,
.filters select {
  width: auto;
  min-width: 200px;
  flex: 1;
}
.filters .btn {
  flex-shrink: 0;
}

.table-scroll {
  overflow-x: auto;
  padding: 0 var(--space-1);
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}
.data-table th {
  padding: 0.75rem 1rem;
  text-align: left;
  font-weight: 600;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface-elevated);
}
.data-table td {
  padding: 0.65rem 1rem;
  border-bottom: 1px solid var(--color-border);
  vertical-align: middle;
}
.data-table tbody tr {
  transition: background var(--transition-fast);
}
.data-table tbody tr:hover {
  background: var(--color-primary-surface);
}
.data-table tr:last-child td {
  border-bottom: none;
}
.data-table .right {
  text-align: right;
}
.data-table .muted {
  font-size: 0.8rem;
  color: var(--color-text-muted);
}
.data-table .table-actions {
  display: flex;
  gap: var(--space-2);
  flex-wrap: wrap;
  justify-content: flex-end;
}
.data-table .table-actions .btn {
  font-size: 0.75rem;
  padding: 0.2rem 0.6rem;
}

/* ========================================
   Notification List
   ======================================== */
.notification-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
}

.notification-item {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: var(--space-3);
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}
.notification-item:hover {
  border-color: var(--color-border-strong);
}
.notification-item.unread {
  border-left: 3px solid var(--crimson);
  background: var(--color-danger-light);
}
.notification-item h3 {
  font-size: 0.9rem;
  margin-bottom: 0.1rem;
}
.notification-item p {
  font-size: 0.85rem;
  color: var(--color-text-secondary);
  margin-bottom: 0.1rem;
}
.notification-item p:last-child {
  font-size: 0.75rem;
  color: var(--color-text-muted);
}
.notification-item .btn {
  flex-shrink: 0;
  margin-top: 0.2rem;
}

/* ========================================
   Eligibility Box / Calculator
   ======================================== */
.eligibility-box {
  background: var(--color-surface-elevated);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  min-height: 160px;
}
.eligibility-box .status-badge {
  align-self: flex-start;
}
.eligibility-box strong {
  font-size: 1.1rem;
}
.eligibility-box p {
  color: var(--color-text-secondary);
  margin-bottom: 0;
}
.eligibility-box .loan-meta {
  margin: var(--space-2) 0 0;
}

.calculator-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
}
.calc-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}
.calc-result {
  background: var(--navy);
  background-image: radial-gradient(circle at 100% 0%, rgba(43,166,166,0.35), transparent 55%);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: #fff;
}
.calc-result .result-badge {
  display: inline-block;
  background: var(--crimson);
  color: #fff;
  padding: 0.15rem 0.85rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  align-self: flex-start;
  margin-bottom: var(--space-2);
}
.calc-result strong {
  font-family: var(--font-display);
  font-size: 1.6rem;
}
.calc-result p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
  margin-top: var(--space-2);
  margin-bottom: 0;
}

/* ========================================
   Report Grid
   ======================================== */
.report-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: var(--space-4);
}

.report-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--space-2);
  padding: var(--space-5);
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  transition: box-shadow var(--transition-base), transform var(--transition-base), border-color var(--transition-base);
}
.report-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: var(--color-border-strong);
}
.report-card i {
  color: var(--navy);
  width: 2rem;
  height: 2rem;
}
.report-card h3 {
  font-size: 1rem;
  margin-bottom: 0;
}
.report-card p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: var(--space-2);
  flex: 1;
}
.report-card .btn {
  align-self: stretch;
}

/* ========================================
   Audit List
   ======================================== */
.audit-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  padding: var(--space-2);
}

.audit-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-3) var(--space-4);
  background: var(--color-surface);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  transition: all var(--transition-fast);
  gap: var(--space-3);
}
.audit-item:hover {
  border-color: var(--color-border-strong);
}
.audit-item h3 {
  font-size: 0.9rem;
  margin-bottom: 0.1rem;
}
.audit-item p {
  font-size: 0.85rem;
  color: var(--color-text-secondary);
  margin-bottom: 0;
}
.audit-item .right {
  text-align: right;
  flex-shrink: 0;
}
.audit-item .right strong {
  font-size: 0.85rem;
}
.audit-item .right p {
  font-size: 0.75rem;
  color: var(--color-text-muted);
}

/* ========================================
   Settings
   ======================================== */
.settings-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-6);
}
.settings-panel {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
}
.settings-panel h3 {
  font-size: 1rem;
  margin-bottom: var(--space-4);
  padding-bottom: var(--space-2);
  border-bottom: 1px solid var(--color-border);
}

/* ========================================
   Application Layout
   ======================================== */
.application-layout {
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: var(--space-6);
}
.application-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
}

.profile-photo-row {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding-bottom: var(--space-4);
  border-bottom: 1px solid var(--color-border);
}
.profile-avatar {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
  border: 3px solid var(--color-primary-surface);
}
.profile-avatar-fallback {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  background: var(--color-primary-surface);
}
.profile-upload {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
}
.profile-upload input {
  padding: 0.45rem;
  border: 1px dashed var(--color-border-strong);
  background: var(--color-surface-elevated);
}
.profile-upload small {
  color: var(--color-text-muted);
  font-size: 0.75rem;
}

/* ========================================
   Homepage Specific
   ======================================== */
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-4) var(--space-6);
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
  gap: var(--space-4);
  flex-wrap: wrap;
  padding-left: 190px;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: var(--space-5);
}
.site-nav a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text-secondary);
  padding: 0.2rem 0;
  border-bottom: 2px solid var(--color-border);
  transition: all var(--transition-fast);
}
.site-nav a:hover {
  color: var(--navy);
  border-bottom-color: var(--crimson);
}
.site-nav a:focus-visible {
  outline: none;
  border-bottom-color: var(--crimson);
}
/* Marks the nav item for the section currently in view */
.site-nav a.active,
.site-nav a[aria-current="page"],
.site-nav a[aria-current="true"] {
  color: var(--navy);
  font-weight: 600;
  border-bottom-color: var(--teal);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.nav-toggle {
  display: none;
}

.mobile-nav,
[data-mobile-nav] {
  display: none;
  flex-direction: column;
  gap: var(--space-2);
  padding: var(--space-4) var(--space-6);
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
}
.mobile-nav.is-open,
[data-mobile-nav].is-open {
  display: flex;
}
.mobile-nav a,
[data-mobile-nav] a {
  padding: 0.4rem 0;
  font-weight: 500;
  color: var(--color-text-secondary);
  border-bottom: 1px solid var(--color-border);
}
.mobile-nav a:last-child,
[data-mobile-nav] a:last-child {
  border-bottom: none;
}
.mobile-nav a.active,
.mobile-nav a[aria-current="page"],
.mobile-nav a[aria-current="true"],
[data-mobile-nav] a.active,
[data-mobile-nav] a[aria-current="page"],
[data-mobile-nav] a[aria-current="true"] {
  color: var(--navy);
  font-weight: 600;
  border-left: 3px solid var(--teal);
  padding-left: var(--space-3);
}

/* Hero */
.hero {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-8);
  padding: var(--space-16) var(--space-6) var(--space-12);
  background: var(--navy);
  background-image:
    radial-gradient(circle at 85% 15%, rgba(43,166,166,0.28), transparent 45%),
    radial-gradient(circle at 10% 90%, rgba(192,0,0,0.18), transparent 40%);
  max-width: none;
  margin: 0;
  align-items: center;
}
.hero-copy {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  animation: heroRise 700ms cubic-bezier(0.2,0.8,0.2,1) both;
}
.hero-copy h1,
.hero .eyebrow {
  color: #fff;
}
.hero .eyebrow {
  background: rgba(255,255,255,0.12);
}
.hero-copy h1 {
  font-size: 3.1rem;
  line-height: 1.1;
}
.hero-lead {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.78);
  max-width: 520px;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-2);
}
.hero-metrics {
  display: flex;
  gap: var(--space-8);
  margin-top: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px solid rgba(255,255,255,0.14);
}
.hero-metrics dt {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
}
.hero-metrics dd {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin: 0;
}

.hero-visual {
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  animation: heroRise 700ms 120ms cubic-bezier(0.2,0.8,0.2,1) both;
}
.dashboard-preview {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  box-shadow: var(--shadow-xl);
  width: 100%;
  max-width: 400px;
}
.preview-top {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
}
.preview-top span { color: var(--color-text-muted); }
.preview-top b { color: var(--teal-600); }
.preview-amount {
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 700;
  margin: var(--space-2) 0;
}
.preview-grid {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.1rem 1rem;
  font-size: 0.85rem;
}
.preview-grid span { color: var(--color-text-muted); }
.progress-track {
  margin: var(--space-3) 0;
  height: 6px;
  background: var(--color-border);
  border-radius: var(--radius-full);
  overflow: hidden;
}
.progress-track span {
  display: block;
  height: 100%;
  background: linear-gradient(90deg, var(--crimson) 0%, var(--teal) 100%);
  border-radius: var(--radius-full);
}
.mini-table {
  display: flex;
  flex-direction: column;
  gap: var(--space-1);
  font-size: 0.85rem;
}
.mini-table div {
  display: flex;
  justify-content: space-between;
  padding: 0.2rem 0;
  border-bottom: 1px solid var(--color-border);
}
.mini-table div:last-child { border-bottom: none; }
.mini-table span { color: var(--color-text-muted); }

/* Hero photo — replaces the "client approval" mock widget with a real
   photo and a bold attention-grabbing caption badge */
.hero-photo-card {
  position: relative;
  width: 100%;
  max-width: 420px;
}
.hero-photo {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  display: block;
}
.hero-photo-badge {
  position: absolute;
  left: 50%;
  bottom: -22px;
  transform: translateX(-50%);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: var(--color-accent-gradient);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-full);
  box-shadow: var(--glow-accent-hover);
  white-space: nowrap;
  animation: badgePulse 2.6s ease-in-out infinite;
}
.hero-photo-badge i {
  width: 1.1em;
  height: 1.1em;
}
@keyframes badgePulse {
  0%, 100% { box-shadow: var(--glow-accent-hover); }
  50% { box-shadow: 0 14px 40px rgba(192,0,0,0.5), 0 4px 12px rgba(192,0,0,0.32); }
}
@media (prefers-reduced-motion: reduce) {
  .hero-photo-badge { animation: none; }
}
@media (max-width: 768px) {
  .hero-photo-badge {
    font-size: 0.9rem;
    padding: 0.6rem 1.2rem;
    bottom: -18px;
  }
}

.hero-asset {
  display: none;
}

@keyframes heroRise {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Sections */
.section {
  padding: var(--space-12) var(--space-6);
  max-width: 1400px;
  margin: 0 auto;
  width: 100%;
}
/* Extra breathing room between consecutive full-width sections */
.section + .section,
.section + .about-us,
.about-us + .section {
  margin-top: var(--space-8);
}
.section-band {
  background: var(--color-bg);
}
.section-heading {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--space-10);
  display: flex;
  flex-direction: column;
  align-items: center;
}
.section-heading h2 {
  font-size: 2.75rem;
  position: relative;
  padding-bottom: var(--space-4);
}
/* Decorative underline accent below every section title */
.section-heading h2::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  transform: translateX(-50%);
  width: 64px;
  height: 4px;
  border-radius: var(--radius-full);
  background: linear-gradient(90deg, var(--crimson) 0%, var(--teal) 100%);
}
.section-heading p {
  color: var(--color-text-secondary);
  margin-top: var(--space-2);
}

.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  align-items: start;
}
.split-section h2 {
  font-size: 2.25rem;
}

.rich-copy {
  display: flex;
  flex-direction: column;
  gap: var(--space-5);
}
.rich-copy p {
  font-size: 1.05rem;
}

.feature-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-4);
  margin-top: var(--space-2);
}
.feature-pair article {
  padding: var(--space-4);
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  border-top: 3px solid var(--teal);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}
.feature-pair article:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.feature-pair article i {
  color: var(--navy);
  width: 1.5rem;
  height: 1.5rem;
  margin-bottom: var(--space-2);
}
.feature-pair article h3 {
  font-size: 1rem;
  margin-bottom: 0.1rem;
}
.feature-pair article p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* Product Grid */
.product-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-5);
}
.product-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  text-align: center;
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
}
.product-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: var(--color-border-strong);
}
.product-card i {
  color: var(--navy);
  width: 2.5rem;
  height: 2.5rem;
  margin-bottom: var(--space-2);
}
.product-card h3 {
  font-size: 1.1rem;
}
.product-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
}
.product-card span {
  display: inline-block;
  background: var(--color-primary-surface);
  color: var(--navy);
  padding: 0.15rem 0.85rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  margin-top: var(--space-2);
}

/* Rate Panel */
.rate-panel {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.rate-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr 1fr;
  padding: var(--space-3) var(--space-5);
  border-bottom: 1px solid var(--color-border);
  font-size: 0.95rem;
}
.rate-row:last-child { border-bottom: none; }
.rate-row.rate-head {
  background: var(--navy);
  color: rgba(255,255,255,0.85);
  font-weight: 600;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* FAQ */
.faq-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-5);
  align-items: start;
  counter-reset: faq-count;
  max-width: 1040px;
  margin: 0 auto;
}
.faq-item {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition-base), box-shadow var(--transition-base), transform var(--transition-base);
}
.faq-item:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-border-strong);
  transform: translateY(-2px);
}
.faq-item.is-open {
  border-color: var(--teal);
  box-shadow: var(--shadow-md);
}
.faq-item button {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  width: 100%;
  padding: var(--space-4) var(--space-5);
  font-family: inherit;
  font-size: 0.98rem;
  font-weight: 600;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-text);
  transition: background var(--transition-fast), color var(--transition-fast);
  text-align: left;
}
.faq-item button:hover {
  background: var(--color-primary-surface);
  color: var(--navy);
}
/* Numbered badge in front of every question, for a structured, professional feel */
.faq-item button::before {
  counter-increment: faq-count;
  content: counter(faq-count, decimal-leading-zero);
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: var(--radius-sm);
  background: var(--navy);
  color: #fff;
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 700;
}
.faq-item.is-open button::before {
  background: var(--teal);
  color: var(--navy);
}
.faq-item button span {
  flex: 1;
  line-height: 1.35;
}
.faq-item button i {
  transition: transform var(--transition-fast);
  width: 1.15rem;
  height: 1.15rem;
  flex-shrink: 0;
  color: var(--color-text-muted);
}
.faq-item.is-open button i {
  transform: rotate(180deg);
  color: var(--crimson);
}
.faq-item p {
  padding: 0 var(--space-5) var(--space-5) calc(32px + var(--space-3) + var(--space-5));
  margin: 0;
  color: var(--color-text-secondary);
  font-size: 0.92rem;
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow);
}
.faq-item.is-open p {
  max-height: 400px;
}
@media (max-width: 768px) {
  .faq-list {
    grid-template-columns: 1fr;
  }
}

/* Contact */
.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-8);
  max-width: 900px;
  margin: 0 auto;
}
.contact-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}
.contact-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}
.contact-card i {
  color: var(--crimson);
  width: 2.5rem;
  height: 2.5rem;
}
.contact-card h3 {
  margin-bottom: 0;
}
.contact-card p {
  color: var(--color-text-secondary);
  margin-bottom: 0;
}

.contact-form {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

/* ========================================
   About Us — fixed background feature section
   ======================================== */
.about-us {
  position: relative;
  isolation: isolate;
  /* Gradient fallback renders immediately; the photo layers on top once it
     loads, so the section always looks finished even if the path is wrong */
  background-color: var(--navy);
  background-image:
    linear-gradient(180deg, rgba(0,32,95,0.4) 0%, rgba(0,32,95,0.4) 100%),
    url("money.png");
  background-size: cover, cover;
  background-position: center, center;
  background-repeat: no-repeat, no-repeat;
  /* "stuck" background: the image stays put while the page scrolls over it */
  background-attachment: scroll, fixed;
  padding: var(--space-16) var(--space-6);
  margin: var(--space-16) 0;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  min-height: 60vh;
}
/* Navy scrim for legible, professional text on any photo */
.about-us::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    linear-gradient(180deg, rgba(0,32,95,0.86) 0%, rgba(0,32,95,0.72) 45%, rgba(0,32,95,0.88) 100%);
}
.about-us-content {
  position: relative;
  z-index: 1;
  max-width: 700px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-4);
}
.about-us .eyebrow {
  background: rgba(255,255,255,0.14);
  color: #fff;
}
.about-us h2 {
  color: #fff;
  font-size: 2.75rem;
  position: relative;
  padding-bottom: var(--space-4);
}
.about-us h2::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 0;
  transform: translateX(-50%);
  width: 64px;
  height: 4px;
  border-radius: var(--radius-full);
  background: linear-gradient(90deg, var(--crimson) 0%, var(--mint) 100%);
}
.about-us p {
  color: rgba(255,255,255,0.82);
  font-size: 1.05rem;
  line-height: 1.7;
}
.about-us-stats {
  display: flex;
  gap: var(--space-10);
  margin-top: var(--space-4);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255,255,255,0.2);
}
.about-us-stats dt {
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 700;
  color: var(--mint);
}
.about-us-stats dd {
  margin: 0;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.7);
}

/* Fixed backgrounds are unreliable on iOS Safari; fall back to scroll there */
@supports (-webkit-touch-callout: none) {
  .about-us {
    background-attachment: scroll;
  }
}
@media (max-width: 768px) {
  /* Mobile browsers largely ignore background-attachment: fixed anyway */
  .about-us {
    background-attachment: scroll;
    padding: var(--space-12) var(--space-4);
    min-height: 45vh;
  }
  .about-us-stats {
    gap: var(--space-6);
    flex-wrap: wrap;
    justify-content: center;
  }
}

/* ========================================
   About section — targets the REAL markup on home.html
   (<section class="section split-section" id="about">), since that
   page never actually used the .about-us classes above. Keeps the
   existing two-column layout, just adds the photo + dark overlay.
   ======================================== */
#about.split-section {
  position: relative;
  isolation: isolate;
  color: #fff;
  padding: var(--space-16) var(--space-6);
  margin-top: var(--space-10);
  border-radius: var(--radius-lg);
  background-color: var(--navy);
  background-image:
    linear-gradient(180deg, rgba(0,32,95,0.88) 0%, rgba(0,32,95,0.80) 45%, rgba(0,32,95,0.90) 100%),
    url("money.png");
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  /* "stuck" background while the page scrolls over it */
  background-attachment: fixed;
}
#about.split-section .eyebrow {
  background: rgba(255,255,255,0.14);
  color: #fff;
}
#about.split-section h2 {
  color: #fff;
}
#about.split-section p {
  color: rgba(255,255,255,0.82);
}
#about.split-section .feature-pair article {
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.18);
}
#about.split-section .feature-pair article h3 {
  color: #fff;
}
#about.split-section .feature-pair article p {
  color: rgba(255,255,255,0.68);
}
#about.split-section .feature-pair article i {
  color: var(--mint);
}
/* iOS Safari mostly ignores background-attachment: fixed; fall back cleanly */
@supports (-webkit-touch-callout: none) {
  #about.split-section {
    background-attachment: scroll;
  }
}
@media (max-width: 768px) {
  #about.split-section {
    background-attachment: scroll;
    padding: var(--space-12) var(--space-4);
    margin-top: var(--space-8);
  }
}

/* ========================================
   Footer
   ======================================== */
.site-footer {
  background: var(--navy-700);
  color: var(--color-text-inverse);
  padding: var(--space-8) var(--space-6);
  margin-top: auto;
}
.site-footer .brand {
  color: #fff;
}
.site-footer .brand small {
  color: rgba(255,255,255,0.6);
}
.site-footer .brand-mark {
  background: rgba(255,255,255,0.15);
  color: #fff;
}
.site-footer a {
  color: rgba(255,255,255,0.7);
}
.site-footer a:hover {
  color: var(--mint);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: var(--space-8);
  max-width: 1400px;
  margin: 0 auto;
}
.footer-grid h3 {
  color: #fff;
  font-size: 0.9rem;
  margin-bottom: var(--space-3);
}
.footer-grid p {
  color: rgba(255,255,255,0.6);
  font-size: 0.85rem;
}
.footer-grid a {
  display: block;
  padding: 0.15rem 0;
  font-size: 0.85rem;
}
.footer-bottom {
  text-align: center;
  padding-top: var(--space-6);
  margin-top: var(--space-6);
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  max-width: 1400px;
  margin-left: auto;
  margin-right: auto;
}

/* ========================================
   Auth Page
   ======================================== */
.auth-page {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: 100vh;
}
.auth-visual {
  background: var(--navy);
  background-image:
    radial-gradient(circle at 90% 10%, rgba(43,166,166,0.30), transparent 45%),
    radial-gradient(circle at 5% 95%, rgba(192,0,0,0.22), transparent 40%);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.auth-visual .brand {
  color: #fff;
}
.auth-visual .brand small {
  color: rgba(255,255,255,0.6);
}
.auth-visual .brand-mark {
  background: rgba(255,255,255,0.15);
  color: #fff;
}
.auth-logo {
  width: 72px;
  height: 72px;
  object-fit: contain;
  border-radius: var(--radius-md);
  filter: drop-shadow(0 6px 16px rgba(0,0,0,0.2));
  flex-shrink: 0;
}
.auth-copy {
  max-width: 420px;
}
.auth-copy .eyebrow {
  background: rgba(255,255,255,0.15);
  color: #fff;
}
.auth-copy h1 {
  font-size: 2.5rem;
  color: #fff;
  line-height: 1.15;
}
.auth-copy p {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
}
.auth-status-card {
  display: flex;
  align-items: center;
  gap: var(--space-5);
  padding: var(--space-4) var(--space-5);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(6px);
}
.auth-status-card div:first-child {
  display: flex;
  flex-direction: column;
}
.auth-status-card span {
  font-size: 0.8rem;
  opacity: 0.7;
}
.auth-status-card strong {
  font-family: var(--font-display);
  font-size: 1.8rem;
}
.status-bars {
  display: flex;
  align-items: flex-end;
  gap: var(--space-1);
  height: 48px;
}
.status-bars span {
  display: block;
  width: 16px;
  background: var(--teal);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  transition: height var(--transition-slow);
}
.status-bars span:nth-child(odd) {
  background: var(--mint);
}

.auth-panel {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-6);
  background: var(--color-bg);
}
.auth-card {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  max-width: 440px;
  width: 100%;
  box-shadow: var(--shadow-lg);
}
.back-link {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: var(--space-5);
  transition: color var(--transition-fast);
}
.back-link:hover { color: var(--navy); }

.auth-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2);
  margin-bottom: var(--space-5);
}
.auth-tabs button {
  padding: 0.65rem;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  background: transparent;
  color: var(--color-text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}
.auth-tabs button.active {
  border-color: var(--steel);
  background: var(--color-primary-surface);
  color: var(--navy);
}
.auth-tabs button:hover:not(.active) {
  background: var(--color-bg);
}

.auth-form .form-heading {
  margin-bottom: var(--space-2);
}
.auth-form .form-heading h2 {
  font-size: 1.5rem;
}
.auth-form .form-heading p {
  color: var(--color-text-muted);
}

.form-alert {
  padding: var(--space-3) var(--space-4);
  background: var(--color-danger-light);
  color: var(--crimson);
  border-left: 3px solid var(--crimson);
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  margin-bottom: var(--space-4);
}
.form-alert[hidden] { display: none; }

.demo-box {
  background: var(--color-bg);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4);
  font-size: 0.8rem;
  color: var(--color-text-secondary);
  margin-top: var(--space-2);
}
.demo-box strong {
  display: block;
  color: var(--color-text);
  margin-bottom: 0.2rem;
}
.demo-box span {
  display: block;
}
.is-hidden {
  display: none !important;
}

/* ========================================
   Modal
   ======================================== */
.modal-root {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  pointer-events: none;
}
.modal-root:has(.modal) {
  pointer-events: auto;
}
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(0,16,45,0.55);
  backdrop-filter: blur(4px);
  animation: fadeIn 200ms ease;
}

.modal {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  max-width: 560px;
  width: 90%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  z-index: 10;
  animation: slideUp var(--transition-bounce);
}
.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-4) var(--space-5);
  border-bottom: 1px solid var(--color-border);
}
.modal-header h2 {
  font-size: 1.1rem;
  margin-bottom: 0;
}
.modal-body {
  padding: var(--space-5);
}
.modal-footer {
  display: flex;
  justify-content: flex-end;
  gap: var(--space-3);
  padding: var(--space-4) var(--space-5);
  border-top: 1px solid var(--color-border);
  background: var(--color-surface-elevated);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}
.modal .loan-meta {
  margin: var(--space-2) 0;
}

body.no-scroll {
  overflow: hidden;
}

/* ========================================
   Toast
   ======================================== */
.toast-region {
  position: fixed;
  bottom: var(--space-6);
  right: var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  z-index: 2000;
  max-width: 400px;
  width: 100%;
  pointer-events: none;
}
.toast {
  background: var(--navy);
  color: #fff;
  padding: var(--space-3) var(--space-5);
  border-radius: var(--radius-md);
  border-left: 3px solid var(--teal);
  box-shadow: var(--shadow-lg);
  animation: slideUp var(--transition-bounce);
  pointer-events: auto;
}
.toast strong {
  display: block;
  font-size: 0.9rem;
}
.toast p {
  color: rgba(255,255,255,0.8);
  font-size: 0.85rem;
  margin-bottom: 0;
}

/* ========================================
   Empty State
   ======================================== */
.empty-state {
  text-align: center;
  padding: var(--space-8) var(--space-4);
  color: var(--color-text-muted);
}
.empty-state::before {
  content: "";
  display: block;
  width: 44px;
  height: 44px;
  margin: 0 auto var(--space-3);
  border-radius: var(--radius-md);
  background: var(--color-primary-surface);
}

/* ========================================
   Bar Chart
   ======================================== */
.bar-chart {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: var(--space-2);
  height: 160px;
  padding: var(--space-2) 0;
}
.bar-chart .bar {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-1);
  flex: 1;
}
.bar-chart .bar span {
  display: block;
  width: 100%;
  max-width: 40px;
  background: var(--steel);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  min-height: 8px;
  transition: height var(--transition-slow);
}
.bar-chart .bar:nth-child(odd) span {
  background: linear-gradient(180deg, var(--crimson) 0%, var(--crimson-600) 100%);
}
.bar-chart .bar small {
  font-size: 0.6rem;
  color: var(--color-text-muted);
  text-transform: uppercase;
}
.bar-chart .bar b {
  font-size: 0.7rem;
  font-weight: 600;
}

/* ========================================
   Animations
   ======================================== */
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

/* ========================================
   Responsive
   ======================================== */
@media (max-width: 1200px) {
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .settings-grid { grid-template-columns: 1fr; }
}

@media (max-width: 1024px) {
  .hero { grid-template-columns: 1fr; text-align: center; }
  .hero-copy { align-items: center; }
  .hero-lead { max-width: 100%; }
  .hero-actions { justify-content: center; }
  .hero-metrics { justify-content: center; }
  .hero-visual { order: -1; }

  .split-section { grid-template-columns: 1fr; }
  .dashboard-grid { grid-template-columns: 1fr; }
  .application-layout { grid-template-columns: 1fr; }

  .auth-page { grid-template-columns: 1fr; }
  .auth-visual { display: none; }

  .footer-grid { grid-template-columns: 1fr 1fr; }

  .site-nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .header-actions .btn-ghost { display: none; }

  .mobile-nav,
  [data-mobile-nav] {
    display: flex;
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: 280px;
    max-width: 84vw;
    height: 100vh;
    padding: 92px var(--space-6) var(--space-6);
    border-bottom: none;
    border-left: 1px solid var(--color-border);
    box-shadow: var(--shadow-lg);
    overflow-y: auto;
    transform: translateX(100%);
    visibility: hidden;
    opacity: 0;
    pointer-events: none;
    z-index: 250;
    transition: transform var(--transition-base), opacity var(--transition-base), visibility var(--transition-base);
  }
  .mobile-nav.is-open,
  [data-mobile-nav].is-open {
    display: flex;
    transform: translateX(0);
    visibility: visible;
    opacity: 1;
    pointer-events: auto;
  }

  .sidebar {
    position: fixed;
    direction: ltr;
    inset-inline-start: auto;
    inset-inline-end: 0;
    top: 0;
    right: 0;
    left: auto;
    transform: translateX(100%);
    width: 280px;
    max-width: 84vw;
    height: 100vh;
    border-left: 1px solid var(--color-border);
    border-right: none;
    box-shadow: var(--shadow-lg);
    z-index: 300;
  }
  body.sidebar-open .sidebar {
    transform: translateX(0);
    z-index: 301;
  }
  /* Dimmed backdrop behind the open sidebar so it reads as a left-hand
     drawer rather than content overlapping the page */
  body.sidebar-open .app-main {
    position: relative;
  }
  body.sidebar-open .app-main::before {
    content: "";
    position: fixed;
    inset: 0;
    background: rgba(0,16,45,0.5);
    z-index: 150;
  }
  .sidebar-toggle,
  [data-sidebar-toggle] { display: inline-flex; }

  .stat-grid { grid-template-columns: repeat(auto-fill, minmax(140px, 1fr)); }
}

@media (max-width: 768px) {
  .hero-copy h1 { font-size: 2.1rem; }
  .section-heading h2 { font-size: 2rem; }
  .split-section h2 { font-size: 1.75rem; }
  .about-us h2 { font-size: 2rem; }

  .topbar {
    padding: var(--space-3) var(--space-4);
  }
  .topbar h1 { font-size: 1rem; }

  .workspace {
    padding: var(--space-4);
  }

  .product-grid { grid-template-columns: 1fr; }
  .report-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid.three { grid-template-columns: 1fr; }

  .calculator-card { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: repeat(2, 1fr); }

  .filters {
    flex-direction: column;
  }
  .filters input,
  .filters select {
    min-width: unset;
    width: 100%;
  }

  .modal {
    width: 95%;
    margin: var(--space-3);
  }

  .rate-row {
    grid-template-columns: 1fr 1fr 1fr 1fr;
    font-size: 0.8rem;
    padding: var(--space-2) var(--space-3);
  }

  .feature-pair {
    grid-template-columns: 1fr;
  }

  .auth-card {
    padding: var(--space-5);
  }

  .hero-metrics {
    flex-wrap: wrap;
    gap: var(--space-4);
  }
  .hero-metrics div {
    flex: 1;
    min-width: 80px;
  }

  .dashboard-preview {
    max-width: 100%;
  }
}

@media (max-width: 480px) {
  .stat-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--space-2);
  }
  .metric-card {
    padding: var(--space-3);
  }
  .metric-value {
    font-size: 1.1rem;
  }

  .card {
    padding: var(--space-4);
  }

  .loan-meta {
    grid-template-columns: 1fr 1fr;
  }
}

/* ========================================
   Print & Accessibility
   ======================================== */
@media print {
  .sidebar,
  .topbar-actions,
  .sidebar-toggle,
  .btn,
  .icon-btn {
    display: none !important;
  }
  .app-shell {
    display: block !important;
  }
  .app-main {
    margin-left: 0 !important;
  }
  .workspace {
    padding: 20px !important;
  }
  .card {
    box-shadow: none !important;
    border: 1px solid #ddd !important;
    break-inside: avoid;
  }
}

/* Focus visible for keyboard navigation */
:focus-visible {
  outline: 2px solid var(--steel);
  outline-offset: 2px;
}

/* Selection */
::selection {
  background: var(--crimson);
  color: #fff;
}

/* Scrollbar styling */
::-webkit-scrollbar {
  width: 6px;
  height: 6px;
}
::-webkit-scrollbar-track {
  background: var(--color-bg);
}
::-webkit-scrollbar-thumb {
  background: var(--color-border-strong);
  border-radius: var(--radius-full);
}
::-webkit-scrollbar-thumb:hover {
  background: var(--steel);
}

/*my updates*/
.step-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin: 1rem 0 1.5rem;
}
.step-dot {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 600;
  background: #e5e7eb;
  color: #6b7280;
}
.step-dot.active {
  background: var(--primary, #2563eb);
  color: #fff;
}
.step-line {
  width: 24px;
  height: 2px;
  background: #e5e7eb;
}
.step-actions {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  margin-top: 0.5rem;
}
.checkbox-row {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-direction: row !important;
}

.form-step {
  display: block;
}
.form-step.is-hidden {
  display: none;
}

/* Fixed 3-column, compact stat grid — used on the customer dashboard */
.stat-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
}
.stat-grid-3 .metric-card {
  grid-template-columns: 34px minmax(0, 1fr);
  padding: var(--space-3);
  column-gap: var(--space-2);
}
.stat-grid-3 .metric-icon {
  width: 34px;
  height: 34px;
}
.stat-grid-3 .metric-icon i {
  width: 1rem;
  height: 1rem;
}
.stat-grid-3 .metric-value {
  font-size: 1.15rem;
}
.stat-grid-3 .metric-label {
  font-size: 0.7rem;
}
.stat-grid-3 .metric-sub {
  font-size: 0.7rem;
}

@media (max-width: 768px) {
  .stat-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 480px) {
  .stat-grid-3 {
    grid-template-columns: 1fr;
  }
}
/* Fix checkboxes/radios being stretched by the generic input{} rule */
.stack-form input[type="checkbox"],
.stack-form input[type="radio"],
input[type="checkbox"],
input[type="radio"] {
  -webkit-appearance: checkbox !important;
  appearance: checkbox !important;
  width: 18px !important;
  height: 18px !important;
  min-width: 18px;
  flex-shrink: 0;
  padding: 0 !important;
  border: 2px solid var(--color-border-strong) !important;
  border-radius: 4px !important;
  accent-color: var(--navy);
  cursor: pointer;
  background: var(--color-surface) !important;
}

.checkbox-row {
  display: flex !important;
  align-items: flex-start;
  gap: 0.65rem;
  flex-direction: row !important;
}
.checkbox-row input[type="checkbox"] {
  margin-top: 3px;
}
.checkbox-row span {
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
}
/* Fix checkboxes/radios being stretched by the generic input{} rule */
input[type="checkbox"],
input[type="radio"] {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  padding: 0;
  border-radius: 4px;
  accent-color: var(--navy);
  cursor: pointer;
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  flex-direction: row !important;
}
.checkbox-row input[type="checkbox"] {
  margin-top: 3px;
}
.checkbox-row span {
  font-size: 0.9rem;
  color: var(--color-text-secondary);
  line-height: 1.5;
}

/* Section numbering for the loan application form */
.form-section {
  padding: var(--space-6);
  position: relative;
}
.form-section-number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: var(--radius-sm);
  background: var(--navy);
  color: #fff;
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
}
.form-section-title {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  margin-bottom: var(--space-4);
}
.form-section-title h3 {
  margin-bottom: 0;
}

/* Repayment summary — highlighted panel instead of a plain meta grid */
.summary-panel {
  background: var(--navy);
  background-image: radial-gradient(circle at 100% 0%, rgba(43,166,166,0.30), transparent 55%);
  border-radius: var(--radius-lg);
  padding: var(--space-5);
  color: #fff;
}
.summary-panel .loan-meta div span {
  color: rgba(255,255,255,0.6);
}
.summary-panel .loan-meta div strong {
  color: #fff;
}
.summary-panel .loan-meta {
  margin: 0;
}

/* Fixed 4-column, compact stat grid — used on the admin dashboard */
.stat-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-4);
}
.stat-grid-4 .metric-card {
  padding: var(--space-4);
}

@media (max-width: 1100px) {
  .stat-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 480px) {
  .stat-grid-4 {
    grid-template-columns: 1fr;
  }
}