:root{
  --navy:#0f2236; --navy-2:#173350; --gold:#c9962b; --gold-soft:#f6ecd6;
  --bg:#f4f6f9; --card:#ffffff; --ink:#15212e; --muted:#62707f; --line:#e3e8ee;
  --green:#1f8a5b; --red:#b42318; --red-soft:#fde4e2;
}
*{box-sizing:border-box}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--ink);font-size:14px}
a{color:inherit}
h1{font-size:22px;margin:0}
.sub,.muted{color:var(--muted)}
.sub{margin-top:3px}

/* app shell */
.app{display:grid;grid-template-columns:230px 1fr;min-height:100vh}
aside{background:var(--navy);color:#cfd9e4;padding:20px 14px;display:flex;flex-direction:column;gap:4px}
.brand{display:flex;align-items:center;gap:10px;padding:4px 8px 22px}
.brand.dark{color:var(--navy);justify-content:center;padding-bottom:18px}
.brand.dark small{color:var(--muted)}
.logo{width:36px;height:36px;border-radius:9px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:700;font-size:18px}
.brand b{display:block;font-size:15px}
aside .brand b{color:#fff}
.brand small{font-size:11px;color:#8ea3b8}
.nav{display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:8px;text-decoration:none;color:inherit}
a.nav:hover{background:var(--navy-2)}
.nav.active{background:var(--navy-2);color:#fff;box-shadow:inset 3px 0 0 var(--gold)}
.nav.off{opacity:.45;cursor:not-allowed}
.side-foot{margin-top:auto;font-size:11px;color:#7f94a9;padding:8px}
.side-foot a{color:#cfd9e4}
main{padding:22px 28px;overflow:auto}
.top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:18px;flex-wrap:wrap}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px}
.card h3{margin:0 0 12px;font-size:15px}
form.inline{display:inline}
button.link{background:none;border:0;padding:0;font:inherit;color:#cfd9e4;text-decoration:underline;cursor:pointer}

/* login and two-step screens */
.focus{max-width:440px;margin:0 auto;padding:48px 16px}
.focus h1{margin-bottom:12px}
.focus table{width:100%;border-collapse:collapse}
.focus th{text-align:left;font-size:12px;font-weight:600;color:var(--muted);padding:10px 0 4px}
.focus td{padding:0 0 4px}
.focus input[type=text],.focus input[type=password],.focus input[type=number],.focus input[type=tel],.focus select{
  font:inherit;border:1px solid var(--line);border-radius:8px;padding:9px 10px;width:100%;background:#fff}
.focus input:focus,.focus select:focus{outline:2px solid #c9962b55;border-color:var(--gold)}
.errorlist{list-style:none;margin:4px 0;padding:0;color:var(--red);font-size:12px}
.helptext{color:var(--muted);font-size:12px}
.btn,.focus button,.focus .button{
  border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:8px;padding:8px 14px;font:inherit;font-weight:500;cursor:pointer;text-decoration:none;display:inline-block}
/* .focus prefix needed: `.focus button` above is more specific than a bare `.btn-primary` */
.btn-primary,.focus .btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover,.focus .btn-primary:hover{background:var(--navy-2)}
.btn-secondary,.focus .btn-secondary{background:#fff;color:var(--ink)}
.focus .btn:disabled{opacity:.45;cursor:not-allowed}
.focus .btn-link{border-color:transparent;background:none;color:var(--muted)}
.focus .float-right{float:right}
.home-link{margin:16px 0 0}
.btn-sm{padding:5px 10px;font-size:12px}
.btn-block{display:block;width:100%;margin-bottom:8px;text-align:center}
.btn-danger{background:var(--red);color:#fff;border-color:var(--red)}
.mb-3{margin-bottom:16px}
.alert{background:var(--gold-soft);border:1px solid #ecd9ab;border-radius:10px;padding:10px 14px}

@media (max-width:900px){
  .app{grid-template-columns:1fr}
  aside{flex-direction:row;overflow-x:auto;padding:10px;gap:6px;position:sticky;top:0;z-index:5}
  .brand{padding:0 8px 0 0}aside .brand div{display:none}.side-foot{display:none}
  .nav{white-space:nowrap}
  main{padding:16px}
}

/* ---- loan screens (from the demo) ---- */
:root{--gold-dk:#7a5a12;--amber:#b7791f;--amber-soft:#fdf2dc;--orange:#c2571a;--orange-soft:#fde8dc;--green-soft:#e3f4ec;--blue:#2563a8;--blue-soft:#e3eefa}
.trial-banner{background:var(--gold);color:var(--navy);text-align:center;font-weight:700;font-size:12.5px;padding:6px 10px;letter-spacing:.02em}
.flash{border-radius:10px;padding:10px 14px;margin-bottom:14px;background:var(--green-soft);color:var(--green);border:1px solid #bfe3d0}
.flash.error{background:var(--red-soft);color:var(--red);border-color:#f3c0bb}
.err{color:var(--red);font-size:12px;margin-top:4px}
.btn.primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn.primary:hover{background:var(--navy-2)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy);font-weight:600}
.btn.sm{padding:5px 10px;font-size:12px}
a.btn{text-decoration:none;color:inherit}
a.btn.primary{color:#fff}
.grid{display:grid;gap:14px}
.kpis{grid-template-columns:repeat(4,1fr)}
.two{grid-template-columns:1.4fr 1fr;margin-top:14px}
.kpi .label{color:var(--muted);font-size:12px;font-weight:500}
.kpi .val{font-size:24px;font-weight:700;margin-top:6px}
.kpi .hint{font-size:12px;color:var(--muted);margin-top:4px}
main table{width:100%;border-collapse:collapse}
main th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);font-weight:600;padding:8px;border-bottom:1px solid var(--line)}
main td{padding:10px 8px;border-bottom:1px solid var(--line);vertical-align:middle}
main td a{text-decoration:none}
tr.click:hover td{background:#f8fafc;cursor:pointer}
table.nowrap{white-space:nowrap}
tr.struck td{color:var(--muted);text-decoration:line-through}
tr.struck td:last-child{text-decoration:none}
.mono{font-family:ui-monospace,"JetBrains Mono",Consolas,monospace}
.pill{display:inline-block;padding:3px 9px;border-radius:20px;font-size:11.5px;font-weight:600;white-space:nowrap}
.s0{background:var(--green-soft);color:var(--green)}
.s1{background:var(--amber-soft);color:var(--amber)}
.s2{background:var(--orange-soft);color:var(--orange)}
.s3,.s4{background:var(--red-soft);color:var(--red)}
.sP{background:var(--blue-soft);color:var(--blue)}
.sC{background:#eceff3;color:#4b5866}
.bar{height:10px;border-radius:6px;background:#eef1f5;overflow:hidden;display:flex}
.bar span{display:block;height:100%}
.c0{background:var(--green)}.c1{background:var(--amber)}.c2{background:var(--orange)}.c3{background:var(--red)}.c4{background:#7a1610}
.legend{display:flex;flex-wrap:wrap;gap:10px 16px;margin-top:10px;font-size:12px;color:var(--muted)}
.legend i{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:5px}
.ladder{display:flex;flex-direction:column;gap:8px}
.rung{display:flex;align-items:center;gap:10px;padding:10px;border:1px solid var(--line);border-radius:10px}
.rung .n{font-weight:700;font-size:18px;min-width:28px;text-align:right}
.rung small{color:var(--muted)}
.filters{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:12px}
.chip{border:1px solid var(--line);background:#fff;border-radius:20px;padding:5px 12px;font-size:12.5px;text-decoration:none}
.chip.on{background:var(--navy);border-color:var(--navy);color:#fff}
.form{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form .full{grid-column:1/-1}
main label{font-size:12px;font-weight:600;color:var(--muted);display:block;margin-bottom:5px}
main input[type=text],main input[type=number],main input[type=date],main select{
  font:inherit;border:1px solid var(--line);border-radius:8px;padding:9px 10px;width:100%;background:#fff}
main input:focus,main select:focus{outline:2px solid #c9962b55;border-color:var(--gold)}
.check{display:flex;align-items:center;gap:8px}
.summary{background:var(--gold-soft);border:1px solid #ecd9ab;border-radius:10px;padding:12px 14px;display:flex;gap:24px;flex-wrap:wrap}
.summary small{display:block;color:var(--gold-dk);font-size:11px;font-weight:600}
.summary b{font-size:16px}
.clock{background:var(--navy);color:#fff;border-radius:12px;padding:18px;display:flex;gap:28px;align-items:center;flex-wrap:wrap;margin-bottom:0}
.clock .t{font-family:ui-monospace,Consolas,monospace;font-size:26px}
.clock small{color:#9fb3c7;display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em}
.clock .fee{font-size:22px;font-weight:700;color:var(--gold)}
.clock.ok{background:var(--green)}
.clock.ok small{color:#d6f2e4}
.capbar{height:8px;background:#ffffff26;border-radius:5px;overflow:hidden;margin-top:6px;width:220px;max-width:100%}
.capbar span{display:block;height:100%;background:var(--gold)}
.timeline{display:flex;margin-top:6px}
.tl{flex:1;text-align:center;position:relative;padding-top:26px;font-size:12px;color:var(--muted)}
.tl:before{content:"";position:absolute;top:10px;left:0;right:0;height:3px;background:var(--line)}
.tl:first-child:before{left:50%}.tl:last-child:before{right:50%}
.tl .dot{position:absolute;top:3px;left:50%;transform:translateX(-50%);width:17px;height:17px;border-radius:50%;background:#fff;border:3px solid var(--line)}
.tl.hit .dot{border-color:var(--red);background:var(--red)}
.tl.hit:before{background:var(--red)}
.tl b{display:block;color:var(--ink);font-size:12px}
.logrow{padding:7px 0;border-bottom:1px solid var(--line)}
.empty{color:var(--muted);text-align:center;padding:30px}
.row{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
@media (max-width:900px){
  .kpis{grid-template-columns:1fr 1fr}.two,.form{grid-template-columns:1fr}
  .tablewrap{overflow-x:auto}
}