:root {
  --navy: #0A2342;
  --teal: #D35050;
  --teal-light: #E88080;
  --gold: #F5A623;
  --white: #ffffff;
  --bg: #F4F6FA;
  --surface: #ffffff;
  --border: #E2E8F0;
  --text: #1A202C;
  --text-muted: #718096;
  --text-sm: #A0AEC0;
  --success: #1A7F4B;
  --success-bg: #D6F0E4;
  --danger: #C53030;
  --danger-bg: #FED7D7;
  --warning: #B7791F;
  --warning-bg: #FEFCBF;
  --info: #2B6CB0;
  --info-bg: #EBF8FF;
  --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px rgba(0,0,0,0.07), 0 2px 4px rgba(0,0,0,0.06);
  --radius: 10px;
  --radius-lg: 14px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; }
body { font-family: 'Inter', -apple-system, sans-serif; background: var(--bg); color: var(--text); line-height: 1.6; }

/* ── Layout ──────────────────────────────────────────────────── */
.layout { display: flex; min-height: 100vh; }
.sidebar { width: 240px; background: var(--navy); color: #fff; display: flex; flex-direction: column; position: fixed; top: 0; left: 0; height: 100vh; z-index: 100; }
.sidebar-logo { padding: 24px 20px 20px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.sidebar-logo h1 { font-size: 22px; font-weight: 700; letter-spacing: -0.5px; }
.sidebar-logo h1 span { color: var(--teal-light); }
.sidebar-logo p { font-size: 11px; color: rgba(255,255,255,0.5); margin-top: 2px; }
.sidebar-user { padding: 14px 20px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.sidebar-user .user-name { font-size: 13px; font-weight: 600; }
.sidebar-user .user-role { font-size: 11px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.05em; }
.sidebar-nav { flex: 1; padding: 12px 0; overflow-y: auto; }
.nav-section { padding: 8px 20px 4px; font-size: 10px; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.35); }
.nav-link { display: flex; align-items: center; gap: 10px; padding: 10px 20px; font-size: 14px; color: rgba(255,255,255,0.7); text-decoration: none; transition: all 0.15s; border-left: 3px solid transparent; }
.nav-link:hover { background: rgba(255,255,255,0.06); color: #fff; }
.nav-link.active { background: rgba(211,80,80,0.2); color: #D35050; border-left-color: var(--teal); font-weight: 600; }
.nav-link .icon { width: 18px; text-align: center; font-size: 15px; }
.sidebar-footer { padding: 16px 20px; border-top: 1px solid rgba(255,255,255,0.08); }
.main { margin-left: 240px; flex: 1; display: flex; flex-direction: column; min-height: 100vh; }
.topbar { background: var(--surface); border-bottom: 1px solid var(--border); padding: 0 32px; height: 60px; display: flex; align-items: center; justify-content: space-between; }
.topbar-title { font-size: 18px; font-weight: 600; }
.topbar-right { display: flex; align-items: center; gap: 12px; }
.page-content { padding: 28px 32px; }

/* ── Cards ───────────────────────────────────────────────────── */
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.card-body { padding: 20px 24px; }
.card-header { padding: 16px 24px; border-bottom: 1px solid var(--border); display: flex; align-items: center; justify-content: space-between; }
.card-header h3 { font-size: 15px; font-weight: 600; }

/* ── Stat Cards ──────────────────────────────────────────────── */
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin-bottom: 28px; }
.stat-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 20px 22px; box-shadow: var(--shadow); }
.stat-card .label { font-size: 12px; color: var(--text-muted); font-weight: 500; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 8px; }
.stat-card .value { font-size: 26px; font-weight: 700; color: var(--text); line-height: 1; }
.stat-card .sub { font-size: 12px; color: var(--success); margin-top: 6px; }
.stat-card .sub.warn { color: var(--warning); }
.stat-card .sub.danger { color: var(--danger); }
.stat-card.accent { background: var(--navy); color: #fff; border-color: var(--navy); }
.stat-card.accent .label { color: rgba(255,255,255,0.6); }
.stat-card.accent .value { color: #fff; }

/* ── Tables ──────────────────────────────────────────────────── */
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th { text-align: left; font-size: 11px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; padding: 10px 16px; border-bottom: 1px solid var(--border); background: #FAFBFC; }
td { padding: 12px 16px; border-bottom: 1px solid var(--border); color: var(--text); vertical-align: middle; }
tr:last-child td { border-bottom: none; }
tr:hover td { background: #F9FBFD; }

/* ── Badges ──────────────────────────────────────────────────── */
.badge { display: inline-flex; align-items: center; gap: 4px; padding: 3px 10px; border-radius: 20px; font-size: 12px; font-weight: 600; line-height: 1.4; }
.badge-success { background: var(--success-bg); color: var(--success); }
.badge-danger { background: var(--danger-bg); color: var(--danger); }
.badge-warning { background: var(--warning-bg); color: var(--warning); }
.badge-info { background: var(--info-bg); color: var(--info); }
.badge-gray { background: #EDF2F7; color: #4A5568; }

/* ── Buttons ─────────────────────────────────────────────────── */
.btn { display: inline-flex; align-items: center; gap: 6px; padding: 9px 18px; border-radius: 8px; font-size: 14px; font-weight: 500; cursor: pointer; border: 1px solid transparent; transition: all 0.15s; text-decoration: none; }
.btn-primary { background: var(--teal); color: #fff; border-color: var(--teal); font-weight: 700; }
.btn-primary:hover { background: #B83C3C; color: #fff; }
.btn-navy { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-danger { background: var(--danger); color: #fff; border-color: var(--danger); }
.btn-danger:hover { background: #9B2C2C; }
.btn-outline { background: transparent; color: var(--text); border-color: var(--border); }
.btn-outline:hover { background: var(--bg); }
.btn-sm { padding: 5px 12px; font-size: 12px; border-radius: 6px; }
.btn-success { background: var(--success); color: #fff; border-color: var(--success); }

/* ── Forms ───────────────────────────────────────────────────── */
.form-group { margin-bottom: 16px; }
.form-label { display: block; font-size: 13px; font-weight: 500; color: var(--text); margin-bottom: 6px; }
.form-control { width: 100%; padding: 9px 13px; border: 1px solid var(--border); border-radius: 8px; font-size: 14px; color: var(--text); background: var(--surface); transition: border-color 0.15s; outline: none; }
.form-control:focus { border-color: var(--teal); box-shadow: 0 0 0 3px rgba(211,80,80,0.15); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-hint { font-size: 12px; color: var(--text-muted); margin-top: 4px; }

/* ── Alerts ──────────────────────────────────────────────────── */
.alert { padding: 12px 16px; border-radius: 8px; font-size: 14px; margin-bottom: 16px; }
.alert-success { background: var(--success-bg); color: var(--success); border: 1px solid #9AE6B4; }
.alert-danger { background: var(--danger-bg); color: var(--danger); border: 1px solid #FEB2B2; }
.alert-warning { background: var(--warning-bg); color: var(--warning); border: 1px solid #F6E05E; }
.alert-info { background: var(--info-bg); color: var(--info); border: 1px solid #90CDF4; }

/* ── Avatar ──────────────────────────────────────────────────── */
.avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--info-bg); color: var(--info); display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; flex-shrink: 0; }

/* ── Member info row ─────────────────────────────────────────── */
.member-row { display: flex; align-items: center; gap: 10px; }
.member-row .name { font-weight: 500; font-size: 14px; }
.member-row .id { font-size: 12px; color: var(--text-muted); }

/* ── Info list (key-value) ───────────────────────────────────── */
.info-list { }
.info-item { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--border); font-size: 14px; }
.info-item:last-child { border-bottom: none; }
.info-key { color: var(--text-muted); }
.info-val { font-weight: 600; }

/* ── Progress ────────────────────────────────────────────────── */
.progress { height: 8px; background: var(--border); border-radius: 4px; overflow: hidden; }
.progress-bar { height: 100%; background: #D35050; border-radius: 4px; transition: width 0.4s; }

/* ── Section heading ─────────────────────────────────────────── */
.section-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.section-head h2 { font-size: 16px; font-weight: 600; }

/* ── Grid ────────────────────────────────────────────────────── */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.grid-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; }
.gap-4 { gap: 16px; }

/* ── Utility ─────────────────────────────────────────────────── */
.text-muted { color: var(--text-muted); }
.text-sm { font-size: 13px; }
.text-xs { font-size: 12px; }
.font-bold { font-weight: 700; }
.font-semibold { font-weight: 600; }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-teal { color: #D35050; }
.flex { display: flex; align-items: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-2 { gap: 8px; }
.gap-3 { gap: 12px; }
.mb-2 { margin-bottom: 8px; }
.mb-4 { margin-bottom: 16px; }
.mb-6 { margin-bottom: 24px; }
.mt-4 { margin-top: 16px; }
.p-0 { padding: 0; }
.amount-positive { color: var(--success); font-weight: 600; }
.amount-negative { color: var(--danger); font-weight: 600; }

/* ── Login page ──────────────────────────────────────────────── */
.login-page { min-height: 100vh; display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, var(--navy) 0%, #1a3a5c 100%); }
.login-box { background: var(--surface); border-radius: 16px; padding: 40px; width: 420px; box-shadow: 0 20px 60px rgba(0,0,0,0.3); }
.login-logo { text-align: center; margin-bottom: 32px; }
.login-logo h1 { font-size: 32px; font-weight: 800; color: var(--navy); }
.login-logo h1 span { color: var(--teal); }
.login-logo p { color: var(--text-muted); font-size: 14px; margin-top: 4px; }

/* ── Payment cards ───────────────────────────────────────────── */
.payment-methods { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 12px 0; }
.payment-option { border: 2px solid var(--border); border-radius: 10px; padding: 14px; cursor: pointer; transition: all 0.15s; text-align: center; }
.payment-option:hover { border-color: var(--teal); background: rgba(211,80,80,0.06); }
.payment-option.selected { border-color: var(--teal); background: rgba(211,80,80,0.10); }
.payment-option .pm-label { font-size: 11px; color: var(--text-muted); margin-bottom: 2px; }
.payment-option .pm-name { font-size: 14px; font-weight: 600; }

/* ── Loan card ───────────────────────────────────────────────── */
.loan-card { border: 1px solid var(--border); border-radius: 12px; padding: 20px; margin-bottom: 16px; background: var(--surface); }
.loan-card.pending { border-left: 4px solid var(--warning); }
.loan-card.active { border-left: 4px solid var(--teal); }
.loan-card.repaid { border-left: 4px solid var(--success); }
.loan-card.declined { border-left: 4px solid var(--danger); }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 768px) {
  .sidebar { transform: translateX(-100%); }
  .main { margin-left: 0; }
  .form-row { grid-template-columns: 1fr; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .page-content { padding: 16px; }
}

/* ── Logo ────────────────────────────────────────────────────── */
.sidebar-logo img { height: 38px; width: auto; object-fit: contain; }
.login-logo img   { height: 72px; width: auto; object-fit: contain; margin-bottom: 8px; }

/* ── Footer ──────────────────────────────────────────────────── */
.page-footer { text-align: center; padding: 18px 32px; font-size: 12px; color: var(--text-muted); border-top: 1px solid var(--border); margin-top: 40px; background: var(--surface); }
.page-footer a { color: var(--teal); text-decoration: none; }
.page-footer a:hover { text-decoration: underline; }

/* ── Payment icons ───────────────────────────────────────────── */
.payment-logo { width: 36px; height: 22px; object-fit: contain; border-radius: 4px; }
.payment-option .pm-logo { font-size: 22px; margin-bottom: 4px; display: block; }

/* ── Charts ──────────────────────────────────────────────────── */
.chart-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 20px 24px; box-shadow: var(--shadow); }
.chart-card h3 { font-size: 15px; font-weight: 600; margin-bottom: 4px; }
.chart-card .chart-sub { font-size: 12px; color: var(--text-muted); margin-bottom: 16px; }
.chart-period-btns { display: flex; gap: 6px; margin-bottom: 16px; }
.chart-period-btn { padding: 4px 12px; font-size: 12px; border: 1px solid var(--border); border-radius: 6px; background: transparent; cursor: pointer; color: var(--text-muted); transition: all 0.15s; }
.chart-period-btn.active { background: var(--teal); color: #fff; border-color: var(--teal); font-weight: 600; }

/* ── Invoice ─────────────────────────────────────────────────── */
.invoice-card { border: 1px solid var(--border); border-radius: 10px; padding: 16px 20px; margin-bottom: 12px; background: var(--surface); }
.invoice-card.pending { border-left: 4px solid var(--warning); }
.invoice-card.paid    { border-left: 4px solid var(--success); }
.invoice-card.overdue { border-left: 4px solid var(--danger); }

/* ── Tabs ────────────────────────────────────────────────────── */
.tab-nav { display: flex; gap: 0; border-bottom: 2px solid var(--border); margin-bottom: 24px; }
.tab-btn { padding: 10px 20px; font-size: 14px; font-weight: 500; color: var(--text-muted); background: none; border: none; cursor: pointer; border-bottom: 2px solid transparent; margin-bottom: -2px; transition: all 0.15s; }
.tab-btn.active { color: var(--teal); border-bottom-color: var(--teal); font-weight: 600; }
.tab-pane { display: none; }
.tab-pane.active { display: block; }

/* ── Rejection reason highlight ──────────────────────────────── */
.rejection-box { background: var(--danger-bg); border: 1px solid #FEB2B2; border-radius: 8px; padding: 12px 16px; margin-top: 10px; }
.rejection-box .label { font-size: 11px; font-weight: 700; color: var(--danger); text-transform: uppercase; letter-spacing: 0.05em; }
.rejection-box .reason { font-size: 13px; color: var(--danger); margin-top: 4px; }

/* ── Loan terms editor ───────────────────────────────────────── */
.terms-editor { width: 100%; min-height: 160px; font-family: monospace; font-size: 13px; line-height: 1.7; }