/* ─── SHADCN PRESET: emerald theme, zinc base, mira style ─── */
/* Source: https://shadcnpreset.com/pdp/bfXljAsWH */
/* Font: Noto Sans, Icons: Phosphor, Radius: large (0.875rem) */

/* ─── DARK (default, also via [data-theme="dark"]) ─── */
:root,
[data-theme="dark"] {
    --background: oklch(0.141 0.005 285.823);
    --foreground: oklch(0.985 0 0);
    --card: oklch(0.21 0.006 285.885);
    --card-foreground: oklch(0.985 0 0);
    --popover: oklch(0.21 0.006 285.885);
    --popover-foreground: oklch(0.985 0 0);
    --primary: oklch(0.432 0.095 166.913);
    --primary-foreground: oklch(0.979 0.021 166.113);
    --secondary: oklch(0.274 0.006 286.033);
    --secondary-foreground: oklch(0.985 0 0);
    --muted: oklch(0.274 0.006 286.033);
    --muted-foreground: oklch(0.705 0.015 286.067);
    --accent: oklch(0.432 0.095 166.913);
    --accent-foreground: oklch(0.979 0.021 166.113);
    --accent-hover: oklch(0.552 0.12 166.913);
    --destructive: oklch(0.704 0.191 22.216);
    --destructive-foreground: oklch(0.979 0.021 166.113);
    --border: oklch(1 0 0 / 10%);
    --input: oklch(1 0 0 / 15%);
    --ring: oklch(0.552 0.016 285.938);
    --radius: 0.875rem;
    --chart-1: oklch(0.809 0.105 251.813);
    --chart-2: oklch(0.623 0.214 259.815);
    --chart-3: oklch(0.546 0.245 262.881);
    --chart-4: oklch(0.488 0.243 264.376);
    --chart-5: oklch(0.424 0.199 265.638);
    --sidebar: oklch(0.21 0.006 285.885);
    --sidebar-foreground: oklch(0.985 0 0);
    --sidebar-primary: oklch(0.696 0.17 162.48);
    --sidebar-primary-foreground: oklch(0.262 0.051 172.552);
    --sidebar-accent: oklch(0.274 0.006 286.033);
    --sidebar-accent-foreground: oklch(0.985 0 0);
    --sidebar-border: oklch(1 0 0 / 10%);
    --sidebar-ring: oklch(0.552 0.016 285.938);
    --sidebar-muted-foreground: oklch(0.705 0.015 286.067);
    --primary-bg: oklch(0.141 0.005 285.823);
    --secondary-bg: oklch(0.274 0.006 286.033);
    --text: var(--foreground);
    --text-secondary: var(--muted-foreground);
    --text-dark: oklch(0.21 0.006 285.885);
    --card-bg: var(--card);
    --card-border: var(--border);
    --card-hover: oklch(1 0 0 / 6%);
    --glass-bg: oklch(1 0 0 / 4%);
    --glass-border: oklch(1 0 0 / 10%);
    --shadow: 0 8px 32px oklch(0 0 0 / 30%);
    --shadow-sm: 0 2px 8px oklch(0 0 0 / 20%);
    --radius-sm: calc(var(--radius) - 4px);
    --radius-xs: calc(var(--radius) - 8px);
    --transition: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --accent-glow: rgba(16, 185, 129, 0.25);
    --dark: var(--background);
    --gradient-1: var(--background);
    --gradient-2: var(--secondary-bg);
}

/* ─── LIGHT (via data-theme attribute) ─── */
[data-theme="light"] {
    --background: oklch(1 0 0);
    --foreground: oklch(0.141 0.005 285.823);
    --card: oklch(1 0 0);
    --card-foreground: oklch(0.141 0.005 285.823);
    --popover: oklch(1 0 0);
    --popover-foreground: oklch(0.141 0.005 285.823);
    --primary: oklch(0.508 0.118 165.612);
    --primary-foreground: oklch(0.979 0.021 166.113);
    --secondary: oklch(0.967 0.001 286.375);
    --secondary-foreground: oklch(0.21 0.006 285.885);
    --muted: oklch(0.967 0.001 286.375);
    --muted-foreground: oklch(0.552 0.016 285.938);
    --accent: oklch(0.508 0.118 165.612);
    --accent-foreground: oklch(0.979 0.021 166.113);
    --accent-hover: oklch(0.38 0.12 165.612);
    --accent-glow: oklch(from var(--primary) l c h / 20%);
    --destructive: oklch(0.577 0.245 27.325);
    --destructive-foreground: oklch(0.979 0.021 166.113);
    --border: oklch(0.92 0.004 286.32);
    --input: oklch(0.92 0.004 286.32);
    --ring: oklch(0.705 0.015 286.067);
    --sidebar: oklch(0.985 0 0);
    --sidebar-foreground: oklch(0.141 0.005 285.823);
    --sidebar-primary: oklch(0.596 0.145 163.225);
    --sidebar-primary-foreground: oklch(0.979 0.021 166.113);
    --sidebar-accent: oklch(0.967 0.001 286.375);
    --sidebar-accent-foreground: oklch(0.21 0.006 285.885);
    --sidebar-border: oklch(0.92 0.004 286.32);
    --sidebar-ring: oklch(0.705 0.015 286.067);
    --sidebar-muted-foreground: oklch(0.45 0.01 286.03);
    --secondary-bg: oklch(0.967 0.001 286.375);
    --text-dark: var(--foreground);
    --card-bg: var(--card);
    --card-border: var(--border);
    --card-hover: oklch(0 0 0 / 4%);
    --glass-bg: oklch(1 0 0 / 60%);
    --glass-border: oklch(0 0 0 / 10%);
    --shadow: 0 8px 32px oklch(0 0 0 / 12%);
    --shadow-sm: 0 2px 8px oklch(0 0 0 / 8%);
    --dark: var(--background);
    --gradient-1: var(--background);
    --gradient-2: var(--secondary-bg);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
    font-family: 'Noto Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--background);
    color: var(--foreground);
    line-height: 1.6;
    min-height: 100vh;
    overflow-x: hidden;
    padding-top: 64px;
}

a { color: var(--accent); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent-hover); }

/* ─── NAVBAR ─── */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border);
}
.nav-container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}
.nav-brand {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--foreground);
    letter-spacing: -0.5px;
}
.nav-brand span { color: var(--accent); }
.nav-links {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}
.nav-link {
    padding: 0.5rem 1rem;
    border-radius: var(--radius-sm);
    color: var(--muted-foreground);
    font-size: 0.9rem;
    font-weight: 500;
    transition: var(--transition);
}
.nav-link:hover { color: var(--foreground); background: var(--card-hover); }
.btn-nav {
    padding: 0.5rem 1.25rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
}
.btn-nav-primary {
    background: var(--accent);
    color: var(--primary-foreground);
    border: none;
    font-weight: 600;
}
.btn-nav-primary:hover { background: var(--accent-hover); color: var(--primary-foreground); }

/* Light theme navbar overrides */
[data-theme="light"] .nav-brand,
[data-theme="light"] .nav-link {
    color: var(--foreground);
}
[data-theme="light"] .nav-link {
    color: var(--muted-foreground);
}
[data-theme="light"] .nav-link:hover {
    color: var(--foreground);
}
[data-theme="light"] .btn-nav-primary {
    background: var(--accent);
    color: var(--primary-foreground);
}
[data-theme="light"] .btn-nav-primary:hover {
    background: var(--accent-hover);
    color: var(--primary-foreground);
}
.nav-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
}
.nav-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--text);
    margin: 5px 0;
    border-radius: 2px;
    transition: var(--transition);
}
.nav-lang-dropdown {
    position: relative;
}
.nav-lang-btn {
    background: none;
    border: none;
    cursor: pointer;
    font-size: 20px;
    display: inline-flex;
    align-items: center;
    padding: 0.5rem;
    color: var(--text-secondary);
    border-radius: var(--radius-sm);
}
.nav-lang-btn:hover { color: var(--text); background: var(--card-bg); }
.nav-lang-menu {
    display: none;
    position: absolute;
    top: 100%;
    right: 0;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 0.5rem;
    min-width: 120px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
    z-index: 1001;
}
.nav-lang-dropdown:hover .nav-lang-menu { display: block; }
.nav-lang-menu .lang-btn {
    display: block;
    width: 100%;
    text-align: left;
    padding: 0.5rem 0.75rem;
    border-radius: var(--radius-sm);
    color: var(--text-secondary);
    font-size: 0.9rem;
    cursor: pointer;
    background: none;
    border: none;
}
.nav-lang-menu .lang-btn:hover { background: var(--card-bg); color: var(--accent); }

/* ─── HERO ─── */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    padding: 6rem 0 4rem;
    overflow: hidden;
}
.hero-bg {
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse at 70% 30%, var(--secondary) 0%, transparent 60%),
                radial-gradient(ellipse at 30% 70%, rgba(0,229,160,0.08) 0%, transparent 50%);
    z-index: 0;
}
.hero-content {
    position: relative;
    z-index: 1;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}
.hero-text { max-width: 600px; }
.hero-badge {
    display: inline-block;
    padding: 0.35rem 1rem;
    background: rgba(0,229,160,0.12);
    border: 1px solid rgba(0,229,160,0.2);
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--accent);
    margin-bottom: 1.5rem;
}
.hero-text h1 {
    font-size: 3.5rem;
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -1.5px;
    margin-bottom: 1.25rem;
}
.hero-text h1 span { color: var(--accent); }
.hero-text p {
    font-size: 1.1rem;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 2rem;
    max-width: 500px;
}
.hero-cta { display: flex; gap: 1rem; margin-bottom: 2.5rem; }
.hero-stats { display: flex; gap: 2.5rem; }
.hero-stats .stat { text-align: center; }
.hero-stats .stat strong {
    display: block;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--accent);
}
.hero-stats .stat span {
    font-size: 0.85rem;
    color: var(--text-secondary);
}

/* ─── BUTTONS ─── */
.btn-primary, .btn-outline, .btn-danger {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.75rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: var(--transition);
    border: none;
    text-decoration: none;
    gap: 0.5rem;
}
.btn-primary {
    background: linear-gradient(135deg, var(--accent), #00C88A);
    color: var(--dark);
    box-shadow: 0 4px 15px var(--accent-glow);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px var(--accent-glow); color: var(--dark); }
.btn-outline {
    background: transparent;
    border: 1.5px solid var(--card-border);
    color: var(--text);
}
.btn-outline:hover { border-color: var(--accent); color: var(--accent); background: rgba(0,229,160,0.06); }
.btn-danger { background: var(--destructive); color: var(--destructive-foreground); }
.btn-danger:hover { opacity: 0.9; }
.btn-lg { padding: 1rem 2.25rem; font-size: 1.05rem; }
.btn-block { width: 100%; }
.btn-sm { padding: 0.4rem 0.85rem; font-size: 0.85rem; border-radius: var(--radius-xs); }
.btn-link { background: none; border: none; color: var(--accent); cursor: pointer; }
.btn-link:hover { text-decoration: underline; }

/* ─── WIDGET ─── */
.hero-widget { position: relative; }
.widget-card {
    background: var(--glass-bg);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius);
    padding: 2rem;
    box-shadow: var(--shadow);
    transition: var(--transition);
}
.widget-card:hover { border-color: rgba(0,229,160,0.2); }
.widget-card h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 0.25rem; }
.widget-sub { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: 1.5rem; }
.widget-slider-group { margin-bottom: 1.25rem; }
.widget-slider-group label {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    font-weight: 500;
    margin-bottom: 0.5rem;
    color: var(--text-secondary);
}
.widget-slider-group label strong { color: var(--text); }
.widget-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 6px;
    background: var(--input);
    border-radius: 3px;
    outline: none;
    cursor: pointer;
}
.widget-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--accent);
    cursor: pointer;
    box-shadow: 0 0 12px var(--accent-glow);
    transition: var(--transition);
}
.widget-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.widget-slider::-moz-range-thumb {
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--accent);
    cursor: pointer;
    border: none;
}
.slider-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--text-secondary);
    margin-top: 0.3rem;
}
.widget-select {
    width: 100%;
    padding: 0.7rem 1rem;
    background: var(--input);
    border: 1px solid var(--card-border);
    border-radius: var(--radius-sm);
    color: var(--text);
    font-size: 0.9rem;
    font-family: 'Noto Sans', sans-serif;
    cursor: pointer;
    transition: var(--transition);
}
.widget-select:hover, .widget-select:focus { border-color: var(--accent); outline: none; }
.widget-select option { background: var(--background); color: var(--foreground); }
.widget-results {
    margin: 1.5rem 0;
    padding: 1.25rem;
    background: var(--card);
    border-radius: var(--radius-sm);
}
.result-row {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    font-size: 0.9rem;
    color: var(--text-secondary);
}
.result-row strong { color: var(--text); }
.result-row.total {
    border-top: 1px solid var(--card-border);
    margin-top: 0.5rem;
    padding-top: 0.75rem;
    font-size: 1.05rem;
}
.result-row.total strong { color: var(--accent); font-size: 1.15rem; }

/* ─── FEATURES ─── */
.features, .how-it-works, .factoring-preview, .page-section {
    padding: 5rem 0;
}
.features { background: var(--dark); }
.section-container { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.section-header {
    text-align: center;
    margin-bottom: 3.5rem;
}
.section-header h2 { font-size: 2.25rem; font-weight: 700; margin-bottom: 0.75rem; }
.section-header p { color: var(--text-secondary); font-size: 1.05rem; }
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.5rem;
}
.feature-card {
    padding: 2rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    transition: var(--transition);
}
.feature-card:hover { background: var(--card-hover); border-color: rgba(0,229,160,0.15); transform: translateY(-4px); }
.feature-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.feature-card h3 { font-size: 1.15rem; font-weight: 600; margin-bottom: 0.5rem; }
.feature-card p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.6; }

/* ─── STEPS ─── */
.steps {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr;
    align-items: center;
    gap: 1.5rem;
}
.step {
    text-align: center;
    padding: 2.5rem 1.5rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    transition: var(--transition);
}
.step:hover { border-color: rgba(0,229,160,0.2); }
.step-number {
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--accent);
    color: var(--dark);
    font-weight: 800;
    font-size: 1.25rem;
    border-radius: 50%;
    margin: 0 auto 1rem;
}
.step h3 { margin-bottom: 0.5rem; }
.step p { font-size: 0.9rem; color: var(--text-secondary); }
.step-arrow { font-size: 2rem; color: var(--accent); font-weight: 300; }

/* ─── FACTORING ─── */
.factoring-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    background: linear-gradient(135deg, rgba(0,229,160,0.06), rgba(27,58,75,0.3));
    border: 1px solid rgba(0,229,160,0.12);
    border-radius: var(--radius);
    padding: 3rem;
    align-items: center;
}
.badge {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    background: var(--accent);
    color: var(--dark);
    font-size: 0.8rem;
    font-weight: 700;
    border-radius: 50px;
    margin-bottom: 1rem;
}
.factoring-content h2 { font-size: 2rem; font-weight: 700; margin-bottom: 1rem; }
.factoring-content p { color: var(--text-secondary); margin-bottom: 1.5rem; }
.factoring-benefits { list-style: none; margin-bottom: 2rem; }
.factoring-benefits li {
    padding: 0.4rem 0;
    color: var(--text-secondary);
    font-size: 0.95rem;
}
.factoring-calc {
    background: var(--card);
    border-radius: var(--radius);
    padding: 1.75rem;
    border: 1px solid var(--card-border);
}
.factoring-calc h4 { margin-bottom: 1rem; }
.calc-row {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    color: var(--text-secondary);
    font-size: 0.9rem;
}
.calc-row strong { color: var(--text); }
.calc-row .accent { color: var(--accent); }
.calc-row.total {
    border-top: 1px solid var(--card-border);
    margin-top: 0.5rem;
    padding-top: 0.75rem;
}

/* ─── AUTH ─── */
.auth-section {
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 6rem 1.5rem 4rem;
}
.auth-card {
    width: 100%;
    max-width: 440px;
    background: var(--glass-bg);
    backdrop-filter: blur(24px);
    border: 1px solid var(--glass-border);
    border-radius: var(--radius);
    padding: 2.5rem;
    box-shadow: var(--shadow);
}
.auth-header { text-align: center; margin-bottom: 2rem; }
.auth-header h2 { font-size: 1.75rem; font-weight: 700; }
.auth-header p { color: var(--text-secondary); margin-top: 0.25rem; }
.auth-form .form-group { margin-bottom: 1.25rem; }
.auth-form label {
    display: block;
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--text-secondary);
    margin-bottom: 0.4rem;
}
.auth-form input {
    width: 100%;
    padding: 0.8rem 1rem;
    background: var(--input);
    border: 1px solid var(--card-border);
    border-radius: var(--radius-sm);
    color: var(--text);
    font-size: 0.95rem;
    font-family: 'Noto Sans', sans-serif;
    transition: var(--transition);
}
.auth-form input:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 3px var(--accent-glow); }
.auth-form input::placeholder { color: var(--text-secondary); opacity: 0.6; }
.auth-alt {
    text-align: center;
    margin-top: 1.25rem;
    font-size: 0.9rem;
    color: var(--text-secondary);
}
.auth-alt a { color: var(--accent); font-weight: 600; }

/* ─── PAGE SECTIONS ─── */
.page-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 2rem;
    flex-wrap: wrap;
    gap: 1rem;
}
.page-header h2 { font-size: 1.75rem; font-weight: 700; }
.page-header p { color: var(--text-secondary); margin-top: 0.25rem; }
.loan-apply-grid, .factoring-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
}
.loan-form-card, .factoring-form-card, .loan-preview-card, .factoring-preview-card {
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    padding: 2rem;
}
.loan-preview-card h3, .factoring-preview-card h3 { margin-bottom: 1.25rem; }
.form-group { margin-bottom: 1.25rem; }
.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--text-secondary);
    margin-bottom: 0.4rem;
}
.form-control,
.form-group input[type="text"],
.form-group input[type="tel"],
.form-group input[type="email"],
.form-group input[type="password"],
.form-group input[type="number"],
.form-group input[type="date"],
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 0.75rem 1rem;
    background: var(--input);
    border: 1px solid var(--card-border);
    border-radius: var(--radius-sm);
    color: var(--text);
    font-size: 0.9rem;
    font-family: 'Noto Sans', sans-serif;
    transition: var(--transition);
}
.form-control:focus,
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    border-color: var(--accent);
    outline: none;
    box-shadow: 0 0 0 3px var(--accent-glow);
}
.form-group textarea { resize: vertical; }
.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}
.range-value {
    text-align: center;
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--accent);
    margin-top: 0.3rem;
}
.checkbox-group {
    display: flex;
    gap: 1.5rem;
    padding: 0.5rem 0;
}
.checkbox-group label {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
    color: var(--text);
    font-size: 0.9rem;
}
.checkbox-group input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--accent);
    cursor: pointer;
}

/* ─── PREVIEW ─── */
.preview-results { margin-bottom: 1rem; }
.preview-row {
    display: flex;
    justify-content: space-between;
    padding: 0.6rem 0;
    font-size: 0.9rem;
    color: var(--text-secondary);
    border-bottom: 1px solid var(--border);
}
.preview-row strong { color: var(--text); }
.preview-row.total {
    border-top: 2px solid var(--accent);
    border-bottom: none;
    margin-top: 0.5rem;
    padding-top: 0.75rem;
    font-size: 1.05rem;
}
.preview-row.total strong { color: var(--accent); }
.prview-schedule { margin-top: 1rem; }
.text-accent { color: var(--accent) !important; }
.text-muted { color: var(--text-secondary) !important; }
.factoring-info { margin-top: 1rem; padding: 1rem; background: rgba(0,229,160,0.06); border-radius: var(--radius-sm); }

/* ─── DASHBOARD ─── */
.dash-header { margin-bottom: 2rem; }
.dash-header h2 { font-size: 1.75rem; font-weight: 700; }
.dash-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-bottom: 2rem;
}
.stat-card {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1.25rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
}
.stat-icon { font-size: 2rem; }
.stat-body strong { display: block; font-size: 1.5rem; font-weight: 700; }
.stat-body span { font-size: 0.85rem; color: var(--text-secondary); }
.dash-active-loan { margin-bottom: 2rem; }
.dash-active-loan h3 { margin-bottom: 1rem; }
.active-loan-card {
    display: flex;
    align-items: center;
    gap: 2rem;
    padding: 1.5rem;
    background: linear-gradient(135deg, rgba(0,229,160,0.08), transparent);
    border: 1px solid rgba(0,229,160,0.15);
    border-radius: var(--radius);
}
.active-loan-amount { font-size: 2rem; font-weight: 700; color: var(--accent); }
.active-loan-meta { color: var(--text-secondary); font-size: 0.9rem; }
.active-loan-progress { flex: 1; }
.progress-bar {
    height: 8px;
    background: var(--input);
    border-radius: 4px;
    overflow: hidden;
    margin-bottom: 0.25rem;
}
.progress-fill {
    height: 100%;
    background: linear-gradient(90deg, var(--accent), #00C88A);
    border-radius: 4px;
    transition: width 0.6s ease;
}
.active-loan-progress span { font-size: 0.85rem; color: var(--text-secondary); }
.dash-next-payment {
    display: flex;
    align-items: center;
    gap: 2rem;
    padding: 1.25rem 1.5rem;
    background: rgba(0,229,160,0.06);
    border: 1px solid rgba(0,229,160,0.12);
    border-radius: var(--radius);
    margin-bottom: 2rem;
}
.next-pay-header {
    display: flex;
    align-items: center;
    gap: 1rem;
}
.next-pay-header span { font-size: 0.9rem; color: var(--text-secondary); }
.next-pay-header strong { font-size: 1.5rem; color: var(--accent); }
.next-pay-date { color: var(--text-secondary); font-size: 0.9rem; }
.dash-credit-row {
    display: flex;
    gap: 1rem;
    margin-bottom: 1.5rem;
}
.dash-credit-box {
    padding: 1rem 1.5rem;
    border-radius: var(--radius);
    color: white;
    text-align: center;
    min-width: 120px;
}
.dash-credit-score {
    font-size: 2rem;
    font-weight: 800;
    line-height: 1;
}
.dash-credit-label {
    font-size: 0.75rem;
    opacity: 0.9;
    margin-top: 0.25rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.dash-kyc-box {
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 0.75rem 1.25rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    flex: 1;
}
.dash-kyc-status {
    font-weight: 700;
    font-size: 1rem;
}
.dash-kyc-label {
    font-size: 0.8rem;
    color: var(--muted-foreground);
}
.dash-quick-actions {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem;
    margin-bottom: 2rem;
}
.quick-action {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    padding: 1.5rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    transition: var(--transition);
    color: var(--text);
}
.quick-action:hover { border-color: var(--accent); color: var(--text); }
.qa-icon { font-size: 2rem; }
.dash-recent { margin-bottom: 2rem; }
.dash-recent h3 { margin-bottom: 1rem; }
.recent-list { display: flex; flex-direction: column; gap: 0.5rem; }
.recent-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 0.75rem 1rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius-sm);
    transition: var(--transition);
}
.recent-item:hover { border-color: rgba(0,229,160,0.2); }
.recent-amount { font-weight: 600; flex: 1; }
.recent-date { font-size: 0.85rem; color: var(--text-secondary); }

/* ─── LOANS GRID ─── */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 1rem;
}
.loan-card {
    display: block;
    padding: 1.5rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    transition: var(--transition);
    color: var(--text);
}
.loan-card:hover { border-color: var(--accent); transform: translateY(-2px); }
.loan-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
}
.loan-status {
    padding: 0.2rem 0.75rem;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
}
.status-pending { background: rgba(251,191,36,0.15); color: #FBBF24; }
.status-approved { background: rgba(52,211,153,0.15); color: #34D399; }
.status-active { background: rgba(96,165,250,0.15); color: #60A5FA; }
.status-completed { background: rgba(0,229,160,0.15); color: var(--accent); }
.status-rejected { background: rgba(239,68,68,0.15); color: #EF4444; }
.status-defaulted { background: rgba(239,68,68,0.15); color: #EF4444; }
.status-verified { background: rgba(0,229,160,0.15); color: var(--accent); }
.status-none { background: rgba(148,163,184,0.15); color: var(--text-secondary); }
.loan-id { font-size: 0.85rem; color: var(--text-secondary); }
.loan-amount { font-size: 1.75rem; font-weight: 700; }
.loan-meta { font-size: 0.85rem; color: var(--text-secondary); margin-top: 0.25rem; }
.loan-card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid var(--card-border);
    font-size: 0.85rem;
    color: var(--text-secondary);
}
.loan-arrow { font-size: 1.25rem; color: var(--accent); }

/* ─── LOAN DETAIL ─── */
.back-link {
    display: inline-block;
    margin-bottom: 1rem;
    color: var(--text-secondary);
    font-size: 0.9rem;
}
.back-link:hover { color: var(--accent); }
.loan-detail-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 2rem;
}
.loan-detail-header h2 { font-size: 1.75rem; }
.loan-detail-grid {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 2rem;
}
.detail-card {
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
    padding: 1.5rem;
}
.detail-card h3 { margin-bottom: 1rem; font-size: 1.1rem; }
.detail-row {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    font-size: 0.9rem;
    color: var(--text-secondary);
}
.detail-row strong { color: var(--text); }
.detail-row.total { border-top: 1px solid var(--card-border); margin-top: 0.25rem; padding-top: 0.75rem; }
.detail-row.total strong { color: var(--accent); }
.schedule-list { display: flex; flex-direction: column; gap: 0.5rem; }
.schedule-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 0.75rem;
    background: var(--secondary);
    border-radius: var(--radius-sm);
    border-left: 3px solid var(--border);
}
.schedule-item.status-paid { border-left-color: var(--accent); }
.schedule-item.status-overdue { border-left-color: var(--destructive); }
.schedule-num { font-weight: 700; font-size: 1.1rem; width: 2.5rem; }
.schedule-info { flex: 1; }
.schedule-amount { font-weight: 600; display: block; }
.schedule-date { font-size: 0.8rem; color: var(--text-secondary); }
.badge-paid { color: var(--accent); font-size: 0.85rem; }
.badge-pending { color: var(--text-secondary); font-size: 0.85rem; }
.badge-overdue { color: #EF4444; font-size: 0.85rem; }
.loan-actions { display: flex; gap: 0.5rem; }

/* ─── EMPTY STATE ─── */
.empty-state {
    text-align: center;
    padding: 4rem 2rem;
}
.empty-icon { font-size: 4rem; margin-bottom: 1rem; }
.empty-state h3 { margin-bottom: 0.5rem; }
.empty-state p { color: var(--text-secondary); margin-bottom: 1.5rem; }

/* ─── TABLE ─── */
.table-container { overflow-x: auto; }
.data-table {
    width: 100%;
    border-collapse: collapse;
}
.data-table th {
    text-align: left;
    padding: 0.75rem 1rem;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--text-secondary);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    border-bottom: 1px solid var(--card-border);
}
.data-table td {
    padding: 0.75rem 1rem;
    font-size: 0.9rem;
    border-bottom: 1px solid var(--border);
}
.data-table tr:hover td { background: var(--card-hover); }
.method-badge {
    padding: 0.2rem 0.6rem;
    background: var(--secondary);
    border-radius: 50px;
    font-size: 0.8rem;
}

/* ─── KYC ─── */
.kyc-status { margin-bottom: 2rem; }
.kyc-status-card {
    padding: 1.25rem 1.5rem;
    border-radius: var(--radius);
    border: 1px solid var(--card-border);
    background: var(--card-bg);
}
.kyc-status-card.status-verified { border-color: rgba(0,229,160,0.3); background: rgba(0,229,160,0.06); }
.kyc-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}
.kyc-card {
    padding: 1.5rem;
    background: var(--card-bg);
    border: 1px solid var(--card-border);
    border-radius: var(--radius);
}
.kyc-card.uploaded { border-color: rgba(0,229,160,0.2); }
.kyc-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.5rem;
}
.kyc-card-header h4 { font-size: 1rem; }
.kyc-hint { font-size: 0.85rem; color: var(--text-secondary); margin-bottom: 1rem; }
.kyc-upload-area {
    position: relative;
    border: 2px dashed var(--card-border);
    border-radius: var(--radius-sm);
    padding: 2rem;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
}
.kyc-upload-area:hover { border-color: var(--accent); background: rgba(0,229,160,0.04); }
.kyc-file-input {
    position: absolute;
    inset: 0;
    opacity: 0;
    cursor: pointer;
}
.kyc-upload-placeholder span { font-size: 2rem; }
.kyc-upload-placeholder p { font-size: 0.85rem; color: var(--text-secondary); margin-top: 0.5rem; }

/* ─── WHATSAPP FLOAT ─── */
.whatsapp-float {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    z-index: 999;
}
.whatsapp-trigger {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--primary);
    border: none;
    color: var(--primary-foreground);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: 0 4px 20px var(--accent-glow);
    transition: var(--transition);
}
.whatsapp-trigger:hover { transform: scale(1.1); box-shadow: 0 8px 30px var(--accent-glow); }
.whatsapp-chat {
    position: absolute;
    bottom: 68px;
    right: 0;
    width: 360px;
    max-height: 520px;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow);
    display: none;
    flex-direction: column;
    overflow: hidden;
}
.whatsapp-chat.open { display: flex; }
.chat-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 1.25rem;
    background: var(--primary);
    color: var(--primary-foreground);
}
.chat-close {
    background: none;
    border: none;
    color: white;
    font-size: 1.5rem;
    cursor: pointer;
    opacity: 0.8;
}
.chat-close:hover { opacity: 1; }
.chat-messages {
    flex: 1;
    padding: 1rem;
    overflow-y: auto;
    background: var(--muted);
    min-height: 280px;
    max-height: 320px;
}
.message {
    margin-bottom: 0.75rem;
    max-width: 80%;
    padding: 0.6rem 0.85rem;
    border-radius: 8px;
    font-size: 0.88rem;
    line-height: 1.4;
    position: relative;
}
.message.received {
    background: var(--card);
    color: var(--foreground);
    align-self: flex-start;
    border-bottom-left-radius: 2px;
}
.message.sent {
    background: var(--primary);
    color: var(--primary-foreground);
    margin-left: auto;
    border-bottom-right-radius: 2px;
}
.msg-time {
    font-size: 0.7rem;
    color: var(--muted-foreground);
    display: block;
    margin-top: 0.2rem;
    text-align: right;
}
.chat-options {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
    padding: 0.5rem 1rem;
    background: var(--muted);
}
.chat-option {
    padding: 0.5rem 0.75rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: 6px;
    cursor: pointer;
    font-size: 0.85rem;
    text-align: left;
    color: var(--foreground);
    transition: background 0.2s;
}
.chat-option:hover { background: var(--accent); color: var(--accent-foreground); }
.chat-input-area {
    display: flex;
    padding: 0.75rem;
    background: var(--muted);
    gap: 0.5rem;
}
.chat-input-area input {
    flex: 1;
    padding: 0.6rem 0.85rem;
    border: 1px solid var(--border);
    border-radius: 20px;
    font-size: 0.88rem;
    outline: none;
    font-family: 'Noto Sans', sans-serif;
    background: var(--card);
    color: var(--foreground);
}
.chat-input-area input:focus { border-color: var(--primary); }
.chat-input-area button {
    padding: 0.6rem 1.25rem;
    background: var(--primary);
    color: var(--primary-foreground);
    border: none;
    border-radius: 20px;
    font-weight: 600;
    cursor: pointer;
    font-size: 0.85rem;
}
.chat-input-area button:hover { opacity: 0.9; }
.chat-messages-view {
    flex: 1;
    padding: 1rem;
    overflow-y: auto;
    background: var(--muted);
    min-height: 400px;
    display: flex;
    flex-direction: column;
}
.wa-message { max-width: 80%; margin-bottom: 0.75rem; }
.wa-message p { padding: 0.6rem 0.85rem; border-radius: 8px; font-size: 0.88rem; }
.wa-message.received p { background: var(--card); color: var(--foreground); border-bottom-left-radius: 2px; }
.wa-message.sent p { background: var(--primary); color: var(--primary-foreground); border-bottom-right-radius: 2px; margin-left: auto; }
.wa-message .msg-time { font-size: 0.7rem; color: var(--muted-foreground); }

/* ─── ADMIN ─── */
.admin-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 2rem;
    flex-wrap: wrap;
    gap: 1rem;
}
.admin-header h2 { font-size: 1.5rem; font-weight: 700; color: var(--foreground); }
.admin-header p { color: var(--muted-foreground); font-size: 0.9rem; }
.admin-count { color: var(--muted-foreground); font-size: 0.9rem; }
.admin-stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-bottom: 2rem;
}
.admin-stat-card {
    padding: 1.5rem;
    background: var(--card);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
}
.admin-stat-card.accent { border-left: 4px solid var(--primary); }
.admin-stat-card.warning { border-left: 4px solid var(--accent); }
.stat-value { font-size: 1.75rem; font-weight: 700; color: var(--foreground); }
.stat-label { font-size: 0.85rem; color: var(--muted-foreground); margin-top: 0.15rem; }
.stat-sub { font-size: 0.8rem; color: var(--muted-foreground); margin-top: 0.1rem; }
.admin-grid-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}
.admin-panel {
    background: var(--card);
    border-radius: var(--radius);
    padding: 1.5rem;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    margin-bottom: 1.5rem;
}
.admin-panel h3 { font-size: 1rem; font-weight: 700; color: var(--foreground); margin-bottom: 1rem; }
.admin-table-scroll { overflow-x: auto; }
.admin-table-container { background: var(--card); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
.admin-table-container .data-table th { background: var(--muted); color: var(--muted-foreground); }
.admin-table-container .data-table td { color: var(--foreground); }
.admin-filters {
    display: flex;
    gap: 0.35rem;
}
.admin-filters .btn-sm {
    background: var(--muted);
    border: 1px solid var(--border);
    color: var(--muted-foreground);
    text-decoration: none;
}
.admin-filters .btn-sm.active {
    background: var(--primary);
    border-color: var(--primary);
    color: var(--primary-foreground);
    font-weight: 600;
}
.admin-filters .btn-sm:hover:not(.active) { background: var(--secondary); }
.admin-actions { display: flex; gap: 0.75rem; }
.admin-form-card {
    max-width: 700px;
    background: var(--card);
    border-radius: var(--radius);
    padding: 2rem;
    box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}
.admin-form-card label { color: var(--foreground); }
.admin-form-card input, .admin-form-card textarea, .admin-form-card select {
    background: var(--muted);
    border: 1px solid var(--border);
    color: var(--foreground);
}
.admin-form-card input:focus, .admin-form-card textarea:focus, .admin-form-card select:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.12);
}
.doc-item {
    display: flex;
    justify-content: space-between;
    padding: 0.5rem 0;
    border-bottom: 1px solid var(--border);
    font-size: 0.9rem;
}
.admin-whatsapp-list { display: flex; flex-direction: column; gap: 0.5rem; }
.wa-session-card {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 1rem 1.25rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    color: var(--foreground);
}
.wa-session-card:hover { border-color: var(--primary); }
.wa-session-info strong { display: block; }
.wa-flow { font-size: 0.85rem; color: var(--muted-foreground); }
.wa-session-meta {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-size: 0.85rem;
}
.wa-msg-count { color: var(--muted-foreground); }
.admin-chat-container {
    display: flex;
    flex-direction: column;
    height: calc(100vh - 160px);
    background: var(--card);
    border-radius: var(--radius);
    box-shadow: 0 1px 3px rgba(0,0,0,0.06);
    overflow: hidden;
}
.chat-input-bar {
    display: flex;
    gap: 0.5rem;
    padding: 1rem;
    background: var(--muted);
    border-top: 1px solid var(--border);
}
.chat-input-bar input {
    flex: 1;
    padding: 0.7rem 1rem;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    outline: none;
    font-family: 'Noto Sans', sans-serif;
}
.chat-input-bar input:focus { border-color: var(--primary); }
.rule-card {
    padding: 1.25rem;
    background: var(--muted);
    border-radius: var(--radius-sm);
    margin-bottom: 1rem;
}
.rule-card h4 { margin-bottom: 0.75rem; }

/* ─── FOOTER ─── */
.footer {
    background: var(--card);
    border-top: 1px solid var(--border);
    padding: 4rem 0 2rem;
}
.footer-container { max-width: 1280px; margin: 0 auto; padding: 0 1.5rem; }
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}
.footer-brand h3 { font-size: 1.5rem; font-weight: 800; }
.footer-brand h3 span { color: var(--accent); }
.footer-brand p { color: var(--text-secondary); font-size: 0.9rem; margin-top: 0.5rem; max-width: 300px; }
.footer-col h4 { font-size: 0.95rem; font-weight: 600; margin-bottom: 1rem; color: var(--text); }
.footer-col a, .lang-btn {
    display: block;
    color: var(--text-secondary);
    font-size: 0.9rem;
    padding: 0.3rem 0;
    transition: var(--transition);
    background: none;
    border: none;
    cursor: pointer;
    font-family: 'Noto Sans', sans-serif;
    text-align: left;
}
.footer-col a:hover, .lang-btn:hover { color: var(--accent); }
.footer-bottom {
    padding-top: 2rem;
    border-top: 1px solid var(--card-border);
    text-align: center;
    color: var(--text-secondary);
    font-size: 0.85rem;
}

/* ─── TOAST ─── */
#toast-container {
    position: fixed;
    top: calc(64px + 1.5rem);
    right: 1.5rem;
    z-index: 9999;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}
.toast {
    padding: 0.85rem 1.25rem;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    font-weight: 500;
    animation: slideIn 0.3s ease;
    max-width: 400px;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}
.toast.success { background: #065F46; color: #A7F3D0; }
.toast.error { background: #7F1D1D; color: #FECACA; }
.toast.info { background: #1A365D; color: #93C5FD; }
@keyframes slideIn {
    from { opacity: 0; transform: translateX(100px); }
    to { opacity: 1; transform: translateX(0); }
}

/* ─── RESPONSIVE ─── */
@media (max-width: 1024px) {
    .hero-content { grid-template-columns: 1fr; gap: 2rem; }
    .hero-text { max-width: 100%; text-align: center; }
    .hero-text h1 { font-size: 2.5rem; }
    .hero-text p { max-width: 100%; margin: 0 auto 2rem; }
    .hero-cta { justify-content: center; }
    .hero-stats { justify-content: center; }
    .widget-card { max-width: 480px; margin: 0 auto; }
    .features-grid { grid-template-columns: repeat(2, 1fr); }
    .steps { grid-template-columns: 1fr; }
    .step-arrow { display: none; }
    .factoring-card { grid-template-columns: 1fr; }
    .loan-apply-grid, .factoring-grid { grid-template-columns: 1fr; }
    .admin-stats-grid { grid-template-columns: repeat(2, 1fr); }
    .admin-grid-2col { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .dash-stats { grid-template-columns: repeat(2, 1fr); }
    .dash-quick-actions { grid-template-columns: repeat(2, 1fr); }
    .kyc-grid { grid-template-columns: 1fr; }
    .loan-detail-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; gap: 24px; }
    .static-page { padding: 16px; }
    .data-table { font-size: 0.85rem; }
    .data-table th, .data-table td { padding: 0.6rem 0.75rem; }
}

@media (max-width: 768px) {
    .nav-links { display: none; position: fixed; top: 64px; left: 0; right: 0; background: var(--background); flex-direction: column; padding: 1rem; border-bottom: 1px solid var(--border); }
    .nav-links.open { display: flex; }
    .nav-toggle { display: block; }
    .hero-text h1 { font-size: 2rem; }
    .hero { padding: 5rem 0 3rem; min-height: auto; }
    .hero-widget { width: 100%; margin-top: 1rem; }
    .widget-card { padding: 1.25rem; border-radius: var(--radius); }
    .widget-slider-group { margin-bottom: 1rem; }
    .features-grid { grid-template-columns: 1fr; }
    .admin-stats-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 1.5rem; }
    .footer-brand { text-align: center; }
    .footer-brand p { max-width: 100%; }
    .dash-stats { grid-template-columns: 1fr; }
    .dash-quick-actions { grid-template-columns: repeat(2, 1fr); }
    .active-loan-card { flex-direction: column; text-align: center; }
    .whatsapp-chat { width: calc(100vw - 2rem); right: -1rem; }
    .auth-card { padding: 1.5rem; max-width: 100%; border-radius: var(--radius); }
    .auth-header h2 { font-size: 1.5rem; }
    .page-header h1 { font-size: 1.5rem; }
    .table-container { overflow-x: auto; -webkit-overflow-scrolling: touch; }
    .data-table { min-width: 600px; }
    .widget-results { font-size: 0.85rem; }
    .widget-results .result-row { padding: 0.5rem 0; }
    .factoring-card .factoring-content { padding: 1.5rem; }
    .factoring-calc { padding: 1rem; }
    .section-container { padding: 0 1rem; }
    .cta-section h2 { font-size: 1.5rem; }
}

@media (max-width: 480px) {
    .hero-badge { font-size: 0.75rem; padding: 0.3rem 0.6rem; }
    .hero-text h1 { font-size: 1.75rem; line-height: 1.2; }
    .hero-cta { flex-direction: column; gap: 0.75rem; }
    .hero-cta a { width: 100%; text-align: center; }
    .hero-stats { flex-direction: column; gap: 0.5rem; }
    .stat { justify-content: center; }
    .widget-card h3 { font-size: 1.1rem; }
    .widget-slider { height: 8px; }
    .widget-slider::-webkit-slider-thumb { width: 26px; height: 26px; }
    .btn-lg { padding: 0.875rem 1.5rem; font-size: 0.95rem; }
    .btn-primary, .btn-outline { padding: 0.75rem 1.25rem; font-size: 0.9rem; }
    .page-header { padding: 0.75rem 1rem; margin-bottom: 1rem; }
    .page-header h1 { font-size: 1.25rem; }
    .form-group { margin-bottom: 1rem; }
    .auth-form input { padding: 0.7rem 0.85rem; font-size: 0.9rem; }
    .dash-quick-actions { grid-template-columns: 1fr; }
    .kyc-card { padding: 1rem; }
    .info-card { padding: 14px; }
    .info-card h3 { font-size: 13px; }
    .toast { max-width: calc(100vw - 2rem); font-size: 0.85rem; }
    #toast-container { top: 1rem; right: 1rem; }
}

/* ─── Theme compatibility: override hardcoded legacy page styles ─── */
.cs-summary, .ai-stat, .ai-event-group, .blog-card, .kb-card,
.ticket-card, .faq-item, .info-card, .setting-card, .reply,
.article-item, .popular-item, .cr-factors, .cr-details,
.cr-score-ranges, .chat-session-card, .cr-stat,
.cs-summary *, .ai-stat *, .ai-event-group *, .blog-card *,
.kb-card *, .ticket-card *, .faq-item *, .info-card *,
.setting-card *, .reply *, .article-item *, .popular-item *,
.cr-factors *, .cr-details *, .cr-score-ranges *,
.chat-session-card * {
    background: inherit !important;
    border-color: inherit !important;
    color: inherit !important;
}
.cs-summary, .ai-stat, .ai-event-group, .blog-card,
.kb-card, .ticket-card, .faq-item, .info-card,
.setting-card, .reply, .article-item, .popular-item,
.cr-factors, .cr-details, .cr-score-ranges, .chat-session-card {
    background: var(--card) !important;
    border: 1px solid var(--border) !important;
}
.blog-card { overflow: hidden !important; }
.cat-tag {
    background: var(--secondary) !important;
    color: var(--secondary-foreground) !important;
}
.cat-tag.active, .cat-tag:hover {
    background: var(--primary) !important;
    color: var(--primary-foreground) !important;
}
.page-link {
    background: var(--secondary) !important;
    color: var(--secondary-foreground) !important;
}
.page-link.active {
    background: var(--primary) !important;
    color: var(--primary-foreground) !important;
}
.cr-stat {
    background: var(--muted) !important;
}
.factor-bar-bg, .dist-bar {
    background: var(--secondary) !important;
}
.helpful-section {
    background: var(--muted) !important;
}
.msg-user .msg-text {
    background: var(--primary) !important;
    color: var(--primary-foreground) !important;
}
.reply.staff {
    background: var(--secondary) !important;
    border-left-color: var(--primary) !important;
}
.unread {
    background: var(--secondary) !important;
}
.cr-info p, .stat-lbl, .range-labels, .factor-weight {
    color: var(--muted-foreground) !important;
}
.cr-score-box {
    color: #fff !important;
}
.range-seg.excellent { background: var(--primary) !important; }
.range-seg.good { background: oklch(0.488 0.243 264.376) !important; }
.range-seg.fair { background: oklch(0.795 0.184 86.047) !important; }
.range-seg.poor { background: var(--destructive) !important; }

/* ─── FINANCE DASHBOARD STYLES (shadcn/finance inspired) ─── */

.finance-dashboard {
    padding: 1.5rem;
    max-width: 1400px;
    margin: 0 auto;
}

.finance-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1.5rem;
    flex-wrap: wrap;
    gap: 1rem;
}

.finance-header-left h1 {
    font-size: 1.5rem;
    font-weight: 700;
    letter-spacing: -0.02em;
    margin-bottom: 0.25rem;
}

.finance-header-left p {
    font-size: 0.875rem;
    color: var(--muted-foreground);
}

.finance-header-right {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.finance-date-range {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    font-size: 0.875rem;
    color: var(--muted-foreground);
}

.finance-date-range i {
    font-size: 1rem;
}

.finance-date-input {
    background: var(--background);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 0.375rem 0.5rem;
    font-size: 0.8125rem;
    color: var(--foreground);
    outline: none;
    cursor: pointer;
}

.finance-date-input:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 2px rgba(0, 229, 160, 0.2);
}

.finance-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    border-radius: var(--radius);
    font-size: 0.875rem;
    font-weight: 500;
    cursor: pointer;
    transition: var(--transition);
    border: 1px solid var(--border);
    background: var(--card);
    color: var(--foreground);
}

.finance-btn:hover {
    background: var(--accent);
    color: var(--accent-foreground);
}

.finance-btn-primary {
    background: var(--primary);
    color: var(--primary-foreground);
    border-color: var(--primary);
}

.finance-btn-primary:hover {
    background: var(--accent-hover);
    border-color: var(--accent-hover);
}

.finance-btn-outline {
    background: transparent;
    border: 1px solid var(--border);
}

.finance-btn-sm {
    padding: 0.375rem 0.75rem;
    font-size: 0.8125rem;
}

.finance-btn-icon {
    padding: 0.5rem;
    width: 36px;
    height: 36px;
}

/* Finance Stats Grid */
.finance-stats-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1rem;
    margin-bottom: 1.5rem;
}

@media (max-width: 1200px) {
    .finance-stats-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
    .finance-stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
    .finance-stats-grid { grid-template-columns: 1fr; }
}

.finance-stat-card {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 1.25rem;
    position: relative;
    overflow: hidden;
}

.finance-stat-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 4px;
    height: 100%;
    background: var(--primary);
}

.finance-stat-card.accent-teal::before { background: #14b8a6; }
.finance-stat-card.accent-blue::before { background: #3b82f6; }
.finance-stat-card.accent-amber::before { background: #f59e0b; }
.finance-stat-card.accent-red::before { background: #ef4444; }
.finance-stat-card.accent-purple::before { background: #8b5cf6; }

.finance-stat-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    margin-bottom: 0.75rem;
}

.finance-stat-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: var(--primary-foreground);
}

.finance-stat-icon.teal { background: linear-gradient(135deg, #14b8a6, #0d9488); color: white; }
.finance-stat-icon.blue { background: linear-gradient(135deg, #3b82f6, #2563eb); color: white; }
.finance-stat-icon.amber { background: linear-gradient(135deg, #f59e0b, #d97706); color: white; }
.finance-stat-icon.red { background: linear-gradient(135deg, #ef4444, #dc2626); color: white; }
.finance-stat-icon.purple { background: linear-gradient(135deg, #8b5cf6, #7c3aed); color: white; }

.finance-stat-trend {
    display: flex;
    align-items: center;
    gap: 0.25rem;
    font-size: 0.75rem;
    font-weight: 500;
    padding: 0.25rem 0.5rem;
    border-radius: 9999px;
}

.finance-stat-trend.up {
    background: rgba(16, 185, 129, 0.1);
    color: #10b981;
}

.finance-stat-trend.down {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
}

.finance-stat-trend.neutral {
    background: var(--muted);
    color: var(--muted-foreground);
}

.finance-stat-value {
    font-size: 1.75rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    margin-bottom: 0.25rem;
    font-display: fallback;
}

.finance-stat-label {
    font-size: 0.875rem;
    color: var(--muted-foreground);
}

.finance-stat-meta {
    font-size: 0.75rem;
    color: var(--muted-foreground);
    margin-top: 0.5rem;
}

/* Finance Grid Layout */
.finance-grid {
    display: grid;
    gap: 1.5rem;
    margin-bottom: 1.5rem;
}

.finance-grid-2 {
    grid-template-columns: repeat(2, 1fr);
}

.finance-grid-3 {
    grid-template-columns: repeat(3, 1fr);
}

.finance-grid-5-3 {
    grid-template-columns: 5fr 3fr;
}

@media (max-width: 1024px) {
    .finance-grid-2, .finance-grid-3, .finance-grid-5-3 { grid-template-columns: 1fr; }
}

/* Finance Card */
.finance-card {
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
}

.finance-card-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 1.25rem 1.5rem;
    border-bottom: 1px solid var(--border);
}

.finance-card-title {
    font-size: 1rem;
    font-weight: 600;
}

.finance-card-description {
    font-size: 0.875rem;
    color: var(--muted-foreground);
    margin-top: 0.25rem;
}

.finance-card-content {
    padding: 1.5rem;
}

.finance-card-content.no-padding {
    padding: 0;
}

.finance-card-footer {
    padding: 1rem 1.5rem;
    border-top: 1px solid var(--border);
    background: var(--muted);
}

/* Finance Table */
.finance-table {
    width: 100%;
    border-collapse: collapse;
}

.finance-table th {
    text-align: left;
    padding: 0.75rem 1.5rem;
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--muted-foreground);
    border-bottom: 1px solid var(--border);
}

.finance-table td {
    padding: 1rem 1.5rem;
    font-size: 0.875rem;
    border-bottom: 1px solid var(--border);
}

.finance-table tr:last-child td {
    border-bottom: none;
}

.finance-table tr:hover {
    background: var(--muted);
}

.finance-table-user {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.finance-table-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--primary-foreground);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.875rem;
    font-weight: 600;
    flex-shrink: 0;
}

.finance-table-user-info {
    display: flex;
    flex-direction: column;
}

.finance-table-user-name {
    font-weight: 500;
}

.finance-table-user-meta {
    font-size: 0.75rem;
    color: var(--muted-foreground);
}

/* Finance Amounts */
.finance-amount {
    font-weight: 600;
    font-variant-numeric: tabular-nums;
}

.finance-amount.positive {
    color: #10b981;
}

.finance-amount.negative {
    color: var(--destructive);
}

/* Finance Badge */
.finance-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0.25rem 0.75rem;
    border-radius: 9999px;
    font-size: 0.75rem;
    font-weight: 500;
}

.finance-badge-success {
    background: rgba(16, 185, 129, 0.1);
    color: #10b981;
}

.finance-badge-warning {
    background: rgba(245, 158, 11, 0.1);
    color: #f59e0b;
}

.finance-badge-danger {
    background: rgba(239, 68, 68, 0.1);
    color: #ef4444;
}

.finance-badge-info {
    background: rgba(59, 130, 246, 0.1);
    color: #3b82f6;
}

.finance-badge-neutral {
    background: var(--muted);
    color: var(--muted-foreground);
}

/* Finance Progress */
.finance-progress {
    margin-top: 0.5rem;
}

.finance-progress-bar {
    height: 8px;
    background: var(--muted);
    border-radius: 4px;
    overflow: hidden;
}

.finance-progress-fill {
    height: 100%;
    border-radius: 4px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transition: width 0.5s ease;
}

.finance-progress-labels {
    display: flex;
    justify-content: space-between;
    margin-top: 0.5rem;
    font-size: 0.75rem;
    color: var(--muted-foreground);
}

/* Finance Chart Placeholder */
.finance-chart-bars {
    display: flex;
    align-items: flex-end;
    gap: 0.5rem;
    height: 120px;
    padding: 0 1rem;
}

.finance-chart-bar {
    flex: 1;
    background: var(--primary);
    border-radius: 4px 4px 0 0;
    min-height: 8px;
    transition: height 0.3s ease;
}

.finance-chart-bar:hover {
    background: var(--accent-hover);
}

/* Finance Summary List */
.finance-summary-list {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.finance-summary-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.75rem 1rem;
    background: var(--muted);
    border-radius: var(--radius-sm);
}

.finance-summary-label {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.875rem;
}

.finance-summary-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
}

.finance-summary-value {
    font-weight: 600;
    font-size: 0.875rem;
}

.finance-summary-percent {
    color: var(--muted-foreground);
    font-size: 0.75rem;
    margin-left: 0.5rem;
}

/* Quick Actions Grid */
.finance-quick-actions {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
}

.finance-action-btn {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 1rem;
    background: var(--card);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
    color: var(--foreground);
}

.finance-action-btn:hover {
    border-color: var(--primary);
    background: var(--muted);
}

.finance-action-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.25rem;
    flex-shrink: 0;
}

.finance-action-label {
    font-weight: 600;
    font-size: 0.875rem;
}

.finance-action-desc {
    font-size: 0.75rem;
    color: var(--muted-foreground);
}

/* Credit Score Display */
.finance-credit-display {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.finance-credit-gauge {
    position: relative;
    width: 140px;
    height: 140px;
}

.finance-credit-gauge svg {
    transform: rotate(-90deg);
}

.finance-credit-gauge-bg {
    fill: none;
    stroke: var(--muted);
    stroke-width: 10;
}

.finance-credit-gauge-fill {
    fill: none;
    stroke: var(--primary);
    stroke-width: 10;
    stroke-linecap: round;
    transition: stroke-dasharray 0.5s ease;
}

.finance-credit-value {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.finance-credit-score {
    font-size: 2rem;
    font-weight: 800;
}

.finance-credit-max {
    font-size: 0.75rem;
    color: var(--muted-foreground);
}

.finance-credit-info {
    flex: 1;
}

.finance-credit-rating {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.375rem 1rem;
    border-radius: 9999px;
    font-weight: 600;
    font-size: 0.875rem;
    color: white;
    margin-bottom: 1rem;
}

.finance-credit-details {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
}

.finance-credit-detail-label {
    font-size: 0.75rem;
    color: var(--muted-foreground);
    margin-bottom: 0.25rem;
}

.finance-credit-detail-value {
    font-weight: 600;
}

/* KYC Status */
.finance-kyc-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 2rem;
}

.finance-kyc-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    color: white;
    margin-bottom: 1rem;
}

.finance-kyc-status {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
}

.finance-kyc-desc {
    font-size: 0.875rem;
    color: var(--muted-foreground);
    margin-bottom: 1.5rem;
}

/* Active Loan Display */
.finance-active-loan-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

@media (max-width: 768px) {
    .finance-active-loan-grid { grid-template-columns: 1fr; }
}

.finance-active-loan-label {
    font-size: 0.875rem;
    color: var(--muted-foreground);
    margin-bottom: 0.25rem;
}

.finance-active-loan-value {
    font-size: 1.75rem;
    font-weight: 800;
}

.finance-active-loan-sub {
    font-size: 1.25rem;
    font-weight: 600;
}

/* Page Container Override */
.page-container {
    padding: 0;
}

.page-header {
    display: none;
}

/* Stats Grid Override */
.stats-grid {
    display: none;
}