@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Mono:wght@500;600&display=swap');
/* ===========================================================
   FairLend — trust-first navy design system  (light + dark)
   =========================================================== */
:root{
  /* -- new palette -- */
  --bg:#F6F8FB; --surface:#FFFFFF; --surface-2:#EEF2F8;
  --ink:#0A2540; --muted:#56688A; --border:#DCE4EF;
  --navy:#0A2540; --navy-2:#123A6B; --nav-bg:rgba(255,255,255,.86);
  --accent:#0E9F6E; --accent-press:#0B8A5E; --accent-ink:#FFFFFF; --accent-soft:#E7F6EF;
  --gold:#A9760A; --gold-soft:#FBEFD6;
  --ring:rgba(14,159,110,.45);
  --shadow-sm:0 1px 2px rgba(10,37,64,.06),0 1px 3px rgba(10,37,64,.05);
  --shadow:0 4px 12px rgba(10,37,64,.08),0 12px 32px rgba(10,37,64,.08);
  --shadow-lg:0 24px 64px rgba(10,37,64,.16);
  --radius:16px; --radius-sm:11px; --radius-xs:8px;
  --sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;

  /* -- semantic -- */
  --green:#0E9F6E; --green-bg:#E4F5EC;
  --amber:#B45309; --amber-bg:#FBEED7;
  --blue:#1D4ED8;  --blue-bg:#DEE8FE;
  --indigo:#4338CA;--indigo-bg:#E4E4FB;
  --red:#DC2626;   --red-bg:#FBE3E3;

  /* -- legacy aliases (keep old inline var() usages working) -- */
  --teal-900:var(--accent-press); --teal-700:var(--accent); --teal-600:var(--accent); --teal-500:var(--accent);
  --slate:#33425E; --soft:#8394B0; --line:var(--border); --bg-soft:var(--surface-2); --white:var(--surface);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --bg:#06182F; --surface:#0B2242; --surface-2:#0F2A50;
    --ink:#E8EEF7; --muted:#9DB0CE; --border:#1C3A63;
    --navy:#0B2242; --navy-2:#17427A; --nav-bg:rgba(9,26,49,.82);
    --accent:#25C97C; --accent-press:#1FB570; --accent-ink:#04140B; --accent-soft:rgba(37,201,124,.13);
    --gold:#E6B24B; --gold-soft:rgba(230,178,75,.14);
    --ring:rgba(37,201,124,.5);
    --shadow-sm:0 1px 2px rgba(0,0,0,.35);
    --shadow:0 8px 28px rgba(0,0,0,.42);
    --shadow-lg:0 28px 70px rgba(0,0,0,.55);
    --green:#25C97C; --green-bg:rgba(37,201,124,.15);
    --amber:#E6B24B; --amber-bg:rgba(230,178,75,.15);
    --blue:#7CA2FF;  --blue-bg:rgba(124,162,255,.16);
    --indigo:#A5A5FB;--indigo-bg:rgba(120,120,240,.18);
    --red:#F4736B;   --red-bg:rgba(244,115,107,.15);
    --slate:#B9C6DC; --soft:#7185A6;
  }
}
:root[data-theme="dark"]{
  --bg:#06182F; --surface:#0B2242; --surface-2:#0F2A50;
  --ink:#E8EEF7; --muted:#9DB0CE; --border:#1C3A63;
  --navy:#0B2242; --navy-2:#17427A; --nav-bg:rgba(9,26,49,.82);
  --accent:#25C97C; --accent-press:#1FB570; --accent-ink:#04140B; --accent-soft:rgba(37,201,124,.13);
  --gold:#E6B24B; --gold-soft:rgba(230,178,75,.14);
  --ring:rgba(37,201,124,.5);
  --shadow-sm:0 1px 2px rgba(0,0,0,.35);
  --shadow:0 8px 28px rgba(0,0,0,.42);
  --shadow-lg:0 28px 70px rgba(0,0,0,.55);
  --green:#25C97C; --green-bg:rgba(37,201,124,.15);
  --amber:#E6B24B; --amber-bg:rgba(230,178,75,.15);
  --blue:#7CA2FF;  --blue-bg:rgba(124,162,255,.16);
  --indigo:#A5A5FB;--indigo-bg:rgba(120,120,240,.18);
  --red:#F4736B;   --red-bg:rgba(244,115,107,.15);
  --slate:#B9C6DC; --soft:#7185A6;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.001ms!important;transition:none!important}}
html,body{margin:0;padding:0}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
h1,h2,h3,h4{line-height:1.2;letter-spacing:-.02em;color:var(--ink);margin:0 0 .5em;text-wrap:balance}
.muted{color:var(--muted)}
.center{text-align:center}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
code{background:rgba(10,37,64,.06);padding:2px 6px;border-radius:6px;font-size:.9em;font-family:var(--mono)}
:focus-visible{outline:3px solid var(--ring);outline-offset:2px;border-radius:6px}

/* ---------- Layout ---------- */
.container{max-width:1160px;margin:0 auto;padding:0 22px}
.section{padding:74px 0}
.section.alt{background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.section-head{text-align:center;max-width:640px;margin:0 auto 46px}
.section-head .eyebrow,.eyebrow{color:var(--accent);font-weight:600;text-transform:uppercase;letter-spacing:.14em;font-size:12.5px}
.section-head h2{font-size:clamp(26px,3.4vw,36px);margin-top:10px}
.section-head p{color:var(--muted);margin-top:12px;font-size:17px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);
  font-weight:600;font-size:15px;line-height:1;border:1.5px solid transparent;cursor:pointer;
  padding:13px 22px;border-radius:var(--radius-sm);transition:transform .15s ease,background .2s ease,box-shadow .2s ease;
  text-decoration:none;min-height:48px}
.btn svg{width:18px;height:18px}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:var(--accent);color:var(--accent-ink);box-shadow:0 6px 18px -6px var(--accent)}
.btn-primary:hover{background:var(--accent-press);color:var(--accent-ink)}
.btn-outline,.btn-ghost{background:transparent;border-color:var(--border);color:var(--ink)}
.btn-outline:hover,.btn-ghost:hover{background:var(--surface-2);color:var(--ink)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{color:#fff;box-shadow:var(--shadow)}
.btn-light{background:var(--surface);color:var(--ink);border:1px solid var(--border)}
.btn-light:hover{background:var(--surface-2)}
.btn-success{background:var(--accent);color:var(--accent-ink)}
.btn-success:hover{background:var(--accent-press);color:var(--accent-ink)}
.btn-danger{background:var(--red);color:#fff}
.btn-danger:hover{filter:brightness(.94);color:#fff}
.btn-block{width:100%}
.btn-sm{padding:9px 15px;font-size:13.5px;min-height:40px}
.btn-lg{padding:16px 26px;font-size:16px;min-height:54px}
.btn[disabled],.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}

/* ---------- Theme toggle icon button ---------- */
.icon-btn{width:44px;height:44px;border-radius:10px;border:1px solid var(--border);background:var(--surface);
  color:var(--muted);display:grid;place-items:center;cursor:pointer;transition:.18s}
.icon-btn:hover{color:var(--ink);background:var(--surface-2)}
.icon-btn svg{width:19px;height:19px}
.sun{display:none}
:root[data-theme="dark"] .sun{display:block}:root[data-theme="dark"] .moon{display:none}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .sun{display:block}:root:not([data-theme="light"]) .moon{display:none}}

/* ---------- Trust micro-strip ---------- */
.trustbar{background:var(--navy);color:#cfe0f5;font-size:12.5px}
.trustbar .container{display:flex;gap:22px;align-items:center;justify-content:center;flex-wrap:wrap;padding:8px 22px;text-align:center}
.trustbar span{display:inline-flex;align-items:center;gap:7px;white-space:nowrap}
.trustbar svg{width:14px;height:14px;color:var(--accent)}
@media(max-width:640px){.trustbar .container span:nth-child(n+3){display:none}}

/* ---------- Public navbar ---------- */
.nav{position:sticky;top:0;z-index:60;background:var(--nav-bg);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--border)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.brand{display:flex;align-items:center;gap:11px;font-weight:700;font-size:20px;letter-spacing:-.02em;color:var(--ink)}
.brand:hover{text-decoration:none;color:var(--ink)}
.logo-dot,.brand .mark{width:34px;height:34px;border-radius:10px;flex:0 0 auto;
  background:linear-gradient(150deg,var(--navy-2),var(--navy));display:grid;place-items:center;
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.08),0 6px 14px -4px var(--navy)}
.brand .mark svg{width:19px;height:19px;color:#fff}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a{color:var(--muted);font-weight:500;font-size:15px}
.nav-links a:hover{color:var(--ink);text-decoration:none}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;color:var(--ink)}
.nav-toggle svg{width:24px;height:24px}
@media(max-width:860px){
  .nav-links{display:none;position:absolute;top:70px;left:0;right:0;flex-direction:column;
    align-items:stretch;background:var(--surface);padding:14px 22px 20px;gap:2px;
    border-bottom:1px solid var(--border);box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 6px;border-bottom:1px solid var(--border)}
  .nav-toggle{display:grid}
  .nav-login{display:none}
}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:
  radial-gradient(760px 380px at 82% -6%,var(--accent-soft),transparent 60%),
  radial-gradient(680px 420px at -8% 8%,rgba(18,58,107,.10),transparent 62%)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.06fr .94fr;gap:52px;align-items:center;padding:64px 0 74px}
@media(max-width:940px){.hero-grid{grid-template-columns:1fr;gap:36px;padding:40px 0 50px}}
.hero h1{font-size:clamp(34px,5vw,54px);font-weight:700;margin:20px 0 0}
.hero h1 span,.hero h1 em{font-style:normal;color:var(--accent)}
.hero .lead{font-size:clamp(16px,2.1vw,19px);color:var(--muted);margin:20px 0 0;max-width:34ch}
.hero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}
.pill{display:inline-flex;align-items:center;gap:8px;background:var(--accent-soft);color:var(--accent-press);
  font-size:13px;font-weight:600;padding:7px 14px;border-radius:999px;border:1px solid rgba(14,159,110,.22)}
.pill svg{width:15px;height:15px}
:root[data-theme="dark"] .pill{color:var(--accent)}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .pill{color:var(--accent)}}
.pill-row,.trust-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:30px}
.trust-row .ti{display:inline-flex;align-items:center;gap:9px;font-size:14px;font-weight:500;color:var(--ink)}
.trust-row .ti svg{width:18px;height:18px;color:var(--accent);flex:0 0 auto}

/* ---------- Calculator / hero card ---------- */
.hero-card,.calc{background:var(--surface);border:1px solid var(--border);border-radius:22px;box-shadow:var(--shadow-lg);padding:26px}
.calc-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:4px}
.calc-head h3{font-size:18px;margin:0}
.calc-badge{font-size:11.5px;font-weight:600;color:var(--gold);background:var(--gold-soft);padding:4px 10px;border-radius:999px}
.calc .sub{color:var(--muted);font-size:13.5px;margin:2px 0 16px}
.amount-display,.amount{font-family:var(--mono);font-weight:600;font-size:40px;color:var(--ink);letter-spacing:-.03em;line-height:1}
.amount-display small,.amount small{font-size:17px;color:var(--muted);font-weight:500;margin-right:6px;vertical-align:6px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;margin:20px 0 8px;
  background:linear-gradient(90deg,var(--accent) var(--pct,20%),var(--surface-2) var(--pct,20%));cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;
  background:#fff;border:5px solid var(--accent);box-shadow:0 3px 8px rgba(10,37,64,.28);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:5px solid var(--accent);box-shadow:0 3px 8px rgba(10,37,64,.28);cursor:pointer}
.range-row,.range-ends{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-top:6px}
.calc-note{font-size:12px;color:var(--muted);margin:14px 0 4px;display:flex;gap:8px;align-items:flex-start}
.calc-note svg{width:14px;height:14px;color:var(--accent);flex:0 0 auto;margin-top:2px}

/* ---------- Cards / features ---------- */
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}
.feature,.tcard{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.section.alt .tcard,.section.alt .feature{background:var(--surface-2)}
.feature .ico,.tcard .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;
  background:var(--accent-soft);color:var(--accent);margin-bottom:15px}
.feature .ico svg,.tcard .ic svg{width:23px;height:23px}
.feature h3,.tcard h4{font-size:16.5px}
.feature p,.tcard p{color:var(--muted);font-size:14px;margin-top:7px}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
@media(max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:26px 22px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.step .num{counter-increment:s;font-family:var(--mono);font-weight:600;font-size:13px;color:var(--accent);letter-spacing:.05em}
.step .num::before{content:"0" counter(s)}
.step .si{width:44px;height:44px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;margin:12px 0 14px}
.step .si svg{width:22px;height:22px}
.step h4{font-size:16.5px;margin:0}
.step p{color:var(--muted);font-size:14px;margin-top:8px}

/* ---------- Rates table (marketing) ---------- */
.rates{max-width:760px;margin:0 auto;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.rates-scroll{overflow-x:auto}
.rates table{width:100%;border-collapse:collapse;min-width:520px}
.rates th,.rates td{text-align:right;padding:15px 20px;font-size:14.5px;border-bottom:1px solid var(--border)}
.rates th:first-child,.rates td:first-child{text-align:left}
.rates thead th{background:var(--surface-2);color:var(--muted);font-weight:600;font-size:12.5px;letter-spacing:.05em;text-transform:uppercase}
.rates tbody td{font-family:var(--mono);font-variant-numeric:tabular-nums;color:var(--ink)}
.rates tbody td:first-child{font-family:var(--sans);color:var(--muted);font-weight:500}
.rates tbody tr:last-child td{border-bottom:none}
.rates tbody tr:hover{background:var(--surface-2)}
.rate-foot{padding:14px 20px;font-size:12.5px;color:var(--muted);background:var(--surface-2);display:flex;gap:8px;align-items:center}
.rate-foot svg{width:15px;height:15px;color:var(--accent);flex:0 0 auto}

/* ---------- FAQ ---------- */
.faq{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-sm);padding:2px 20px}
.faq summary{cursor:pointer;list-style:none;padding:17px 0;font-weight:600;font-size:15.5px;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary .chev{width:20px;height:20px;color:var(--muted);transition:transform .2s;flex:0 0 auto}
.faq details[open] summary .chev{transform:rotate(180deg)}
.faq details p{color:var(--muted);font-size:14.5px;padding:0 0 18px}

/* ---------- CTA band ---------- */
.ctaband{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-radius:24px;padding:50px;text-align:center;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.ctaband::after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(500px 220px at 80% 0%,rgba(37,201,124,.22),transparent 60%)}
.ctaband h2{color:#fff;font-size:clamp(26px,3.5vw,38px);position:relative}
.ctaband p{color:#cfe0f5;margin:14px auto 26px;max-width:46ch;position:relative}
.ctaband .btn{position:relative}

/* ---------- Footer ---------- */
.footer{background:var(--navy);color:#b7c8e2;padding:56px 0 28px;margin-top:76px}
.footer .brand{color:#fff}
.footer .brand .mark,.footer .logo-dot{background:linear-gradient(150deg,var(--accent),var(--accent-press))}
.footer a{color:#9fb4d4}
.footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}
.footer h4,.footer h5{color:#fff;font-size:13px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:12px}
.footer p{margin:0}
.footer .ft-about{margin-top:14px;font-size:13.5px;max-width:34ch;color:#9fb4d4}
.footer .col a{display:block;padding:6px 0;font-size:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:22px;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:12.5px;color:#8ca3c6}
.footer-bottom .ft-badge{display:inline-flex;align-items:center;gap:7px}
.footer-bottom .ft-badge svg{width:15px;height:15px;color:var(--accent)}
.disclaimer{font-size:11.5px;color:#7f97bd;margin-top:14px;max-width:74ch;line-height:1.5}

/* ---------- Auth pages ---------- */
.auth-page{min-height:100vh;display:grid;place-items:center;padding:32px 16px;
  background:radial-gradient(900px 500px at 50% -10%,var(--accent-soft),transparent),var(--bg)}
.auth-card{width:100%;max-width:440px;background:var(--surface);border:1px solid var(--border);border-radius:18px;box-shadow:var(--shadow-lg);padding:34px}
.auth-brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:20px;margin-bottom:6px;color:var(--ink)}
.auth-card h1{font-size:22px;margin:10px 0 4px}
.auth-sub{color:var(--muted);margin-bottom:22px}
.auth-foot{text-align:center;margin-top:18px;color:var(--muted)}

/* ---------- Forms ---------- */
.form label{display:block;font-weight:600;font-size:14px;margin-bottom:16px;color:var(--ink)}
.form input,.form select,.form textarea{width:100%;margin-top:6px;padding:12px 14px;border:1.5px solid var(--border);
  border-radius:10px;font-size:15px;font-family:inherit;background:var(--surface);color:var(--ink);transition:.15s}
.form input::placeholder,.form textarea::placeholder{color:var(--soft)}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--ring)}
.form textarea{min-height:90px;resize:vertical}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:560px){.form .row{grid-template-columns:1fr}}
.field-hint{font-weight:400;font-size:12.5px;color:var(--soft);display:block;margin-top:4px}
.input-group{display:flex;align-items:stretch}
.input-group .prefix{background:var(--surface-2);border:1.5px solid var(--border);border-right:none;border-radius:10px 0 0 10px;padding:12px 14px;color:var(--muted);font-weight:600;margin-top:6px}
.input-group input{border-radius:0 10px 10px 0}
.choice{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:6px}
.choice input{display:none}
.choice label{margin:0;border:1.5px solid var(--border);border-radius:12px;padding:14px;text-align:center;cursor:pointer;font-weight:600;color:var(--ink);transition:.15s}
.choice input:checked + label{border-color:var(--accent);background:var(--accent-soft);color:var(--accent-press)}
:root[data-theme="dark"] .choice input:checked + label{color:var(--accent)}

/* file upload boxes */
.uploads{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:640px){.uploads{grid-template-columns:1fr}}
.upload-box{border:2px dashed var(--border);border-radius:14px;padding:18px;text-align:center;cursor:pointer;transition:.15s;
  background:var(--surface-2);position:relative;min-height:170px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px}
.upload-box:hover{border-color:var(--accent);background:var(--surface)}
.upload-box.filled{border-style:solid;border-color:var(--accent)}
.upload-box .prompt{display:flex;flex-direction:column;align-items:center;gap:4px}
.upload-box .ico{color:var(--accent)}
.upload-box .ico svg{width:30px;height:30px}
.upload-box small{color:var(--muted)}
.upload-box input{position:absolute;inset:0;opacity:0;cursor:pointer}
.upload-box img.preview{max-height:120px;border-radius:8px;object-fit:cover}

/* ---------- Alerts ---------- */
.alert{padding:14px 16px;border-radius:12px;margin-bottom:18px;font-size:14.5px;border:1px solid transparent}
.alert-success{background:var(--green-bg);border-color:var(--green);color:var(--green)}
.alert-error{background:var(--red-bg);border-color:var(--red);color:var(--red)}
.alert-info{background:var(--blue-bg);border-color:var(--blue);color:var(--blue)}
.alert-warning{background:var(--amber-bg);border-color:var(--amber);color:var(--amber)}

/* ---------- Badges ---------- */
.badge{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;font-weight:700;padding:5px 11px;border-radius:999px;line-height:1}
.badge-success{background:var(--green-bg);color:var(--green)}
.badge-warning{background:var(--amber-bg);color:var(--amber)}
.badge-info{background:var(--blue-bg);color:var(--blue)}
.badge-primary{background:var(--indigo-bg);color:var(--indigo)}
.badge-danger{background:var(--red-bg);color:var(--red)}
.badge-muted{background:var(--surface-2);color:var(--muted)}

/* ---------- App shell (dashboard / admin) ---------- */
.app{display:grid;grid-template-columns:248px 1fr;min-height:100vh}
.sidebar{background:var(--navy);color:#c4d4ea;padding:22px 16px;position:sticky;top:0;height:100vh;overflow:auto}
.sidebar .brand{color:#fff;margin-bottom:26px;padding:0 8px}
.side-link{display:flex;align-items:center;gap:12px;padding:11px 14px;border-radius:10px;color:#c4d4ea;font-weight:500;margin-bottom:4px;transition:.15s}
.side-link:hover{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}
.side-link.active{background:var(--accent);color:var(--accent-ink)}
.side-link .ico{width:20px;display:grid;place-items:center}
.side-link .ico svg{width:19px;height:19px}
.side-badge{margin-left:auto;background:var(--red);color:#fff;font-size:11px;font-weight:700;padding:2px 8px;border-radius:999px}
.side-sep{border-top:1px solid rgba(255,255,255,.12);margin:16px 8px}
.main{background:var(--bg)}
.topbar{background:var(--surface);border-bottom:1px solid var(--border);padding:14px 28px;display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:20}
.topbar h1{font-size:20px;margin:0}
.topbar .user{display:flex;align-items:center;gap:12px}
.avatar{width:38px;height:38px;border-radius:50%;background:var(--accent);color:var(--accent-ink);display:grid;place-items:center;font-weight:700}
.content{padding:28px}
.menu-btn{display:none;background:none;border:none;cursor:pointer;color:var(--ink)}
.menu-btn svg{width:24px;height:24px}
@media(max-width:880px){
  .app{grid-template-columns:1fr}
  .sidebar{position:fixed;left:-260px;width:248px;z-index:100;transition:.25s}
  .sidebar.open{left:0}
  .menu-btn{display:grid!important}
}
.backdrop{display:none;position:fixed;inset:0;background:rgba(6,18,38,.55);z-index:90}
.backdrop.show{display:block}

/* stat cards */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-bottom:26px}
@media(max-width:980px){.stats{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.stats{grid-template-columns:1fr}}
.stat{background:var(--surface);border:1px solid var(--border);border-radius:14px;padding:20px;box-shadow:var(--shadow)}
.stat .label{color:var(--muted);font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.5px}
.stat .value{font-size:28px;font-weight:700;margin-top:6px;font-family:var(--mono);font-variant-numeric:tabular-nums}
.stat .ico{float:right;width:42px;height:42px;border-radius:12px;display:grid;place-items:center}
.stat .ico svg{width:21px;height:21px}
.ico-teal{background:var(--accent-soft);color:var(--accent)}
.ico-amber{background:var(--amber-bg);color:var(--amber)}
.ico-green{background:var(--green-bg);color:var(--green)}
.ico-blue{background:var(--blue-bg);color:var(--blue)}

/* ---------- Data table ---------- */
.table-wrap{background:var(--surface);border:1px solid var(--border);border-radius:14px;overflow:hidden;box-shadow:var(--shadow)}
table.tbl{width:100%;border-collapse:collapse}
table.tbl th{background:var(--surface-2);text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);padding:14px 16px;border-bottom:1px solid var(--border)}
table.tbl td{padding:14px 16px;border-bottom:1px solid var(--border);font-size:14.5px;vertical-align:middle}
table.tbl tr:last-child td{border-bottom:none}
table.tbl tr:hover td{background:var(--surface-2)}
.table-scroll{overflow-x:auto}

/* ---------- Page header ---------- */
.page-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px;gap:16px;flex-wrap:wrap}
.page-head h2{font-size:24px;margin:0}
.page-head p{color:var(--muted);margin:4px 0 0}

/* ---------- Loan detail / payment ---------- */
.detail-grid{display:grid;grid-template-columns:1.4fr .9fr;gap:24px}
@media(max-width:860px){.detail-grid{grid-template-columns:1fr}}
.kv{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--border);gap:16px}
.kv:last-child{border-bottom:none}
.kv .k{color:var(--muted)}
.kv .v{font-weight:600}
.doc-thumbs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:10px}
.doc-thumbs a{display:block;border:1px solid var(--border);border-radius:10px;overflow:hidden}
.doc-thumbs img{display:block;width:100%;height:110px;object-fit:cover}
.doc-thumbs span{display:block;font-size:12px;color:var(--muted);text-align:center;padding:6px}
.timeline{margin-top:8px}
.tl{display:flex;gap:14px;padding-bottom:18px;position:relative}
.tl:before{content:"";position:absolute;left:13px;top:26px;bottom:-4px;width:2px;background:var(--border)}
.tl:last-child:before{display:none}
.tl .dot{flex:0 0 auto;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;font-size:13px;background:var(--surface-2);color:var(--muted);z-index:1}
.tl.done .dot{background:var(--accent);color:var(--accent-ink)}
.tl.active .dot{background:var(--navy-2);color:#fff}
.tl .tl-body strong{display:block}
.tl .tl-body small{color:var(--muted)}
.fee-box{background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;border-radius:16px;padding:24px;text-align:center}
.fee-box .amt{font-size:38px;font-weight:700;margin:6px 0;font-family:var(--mono)}
.fee-box small{opacity:.85}

/* ---------- Modal ---------- */
.modal-back{position:fixed;inset:0;background:rgba(6,18,38,.55);display:none;place-items:center;z-index:200;padding:20px}
.modal-back.show{display:grid}
.modal{background:var(--surface);border:1px solid var(--border);border-radius:18px;max-width:460px;width:100%;padding:28px;box-shadow:var(--shadow-lg)}
.modal h3{font-size:20px}

/* spinner */
.spinner{width:42px;height:42px;border:4px solid var(--border);border-top-color:var(--accent);border-radius:50%;animation:spin 1s linear infinite;margin:14px auto}
@keyframes spin{to{transform:rotate(360deg)}}

/* misc utilities */
.flex{display:flex}.between{justify-content:space-between}.items-center{align-items:center}
.gap{gap:12px}.mt{margin-top:16px}.mb{margin-bottom:16px}
.wrap,.wrap-flex{flex-wrap:wrap}
.empty{text-align:center;padding:54px 20px;color:var(--muted)}
.empty .ico svg{width:46px;height:46px;color:var(--muted);margin-bottom:10px}
.text-green{color:var(--green)}.text-red{color:var(--red)}.text-amber{color:var(--amber)}
.divider{height:1px;background:var(--border);margin:20px 0}

/* payment widget status icon */
#pay-icon{width:46px;height:46px;margin:0 auto 6px;color:var(--accent)}
#pay-icon svg{width:100%;height:100%}

/* default size for fl_icon() output; contextual rules override where present */
.fl-svg{width:1.15em;height:1.15em;vertical-align:-.15em;flex:0 0 auto}
.stat .ico .fl-svg,.feature .ico .fl-svg,.tcard .ic .fl-svg{width:23px;height:23px}
.side-link .ico .fl-svg{width:19px;height:19px}
.upload-box .ico .fl-svg{width:30px;height:30px}