:root{
    --navy:#0A1833;
    --navy-2:#12284C;
    --navy-3:#1B3866;
    --gold:#D39E2E;
    --gold-light:#E8C878;
    --blue:#1F6FEB;
    --green:#128C7E;
    --red:#D64550;
    --surface:#F4F6F9;
    --card:#FFFFFF;
    --line:#E2E8F0;
    --ink:#0F172A;
    --muted:#5B6B84;
    --on-navy:#E2E8F0;
    --on-navy-muted:#93A3BE;
    --radius:10px;
  }
  *{margin:0;padding:0;box-sizing:border-box}
  body{
    font-family:'Libre Franklin',system-ui,sans-serif;
    background:var(--surface);color:var(--ink);
    font-size:15px;line-height:1.55;
  }
  h1,h2,h3,.serif{font-family:'Source Serif 4',Georgia,serif}
  button{font-family:inherit;cursor:pointer}
  .num{font-variant-numeric:tabular-nums}

  /* =================== LOGIN =================== */
  #login-screen{
    min-height:100vh;background:var(--navy);position:relative;overflow:hidden;
    display:flex;align-items:center;justify-content:center;padding:24px;
  }
  #login-screen .guilloche{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}
  .login-card{
    position:relative;background:#fff;border-radius:14px;width:100%;max-width:420px;
    padding:40px 38px 34px;box-shadow:0 30px 80px -20px rgba(0,0,0,.6);
    border-top:4px solid var(--gold);
  }
  .login-brand{display:flex;flex-direction:column;align-items:center;gap:12px;margin-bottom:28px;text-align:center}
  .crest{
    width:56px;height:56px;border-radius:50%;
    background:radial-gradient(circle at 35% 30%, var(--gold-light), var(--gold) 60%, #9C7318);
    display:flex;align-items:center;justify-content:center;
    font-family:'Source Serif 4',serif;font-weight:700;font-size:18px;color:var(--navy);
    box-shadow:0 0 0 3px rgba(211,158,46,.35);
  }
  .login-brand b{font-family:'Source Serif 4',serif;font-size:20px;font-weight:600;display:block}
  .login-brand span{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:700}
  .field{margin-bottom:16px}
  .field label{display:block;font-size:12.5px;font-weight:600;color:var(--muted);margin-bottom:6px;letter-spacing:.03em}
  .field input{
    width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;
    font-size:15px;font-family:inherit;background:#FAFBFD;
  }
  .field input:focus{outline:2px solid var(--gold);border-color:var(--gold)}
  .btn-primary{
    width:100%;background:var(--navy);color:#fff;border:none;border-radius:8px;
    padding:13px;font-size:15px;font-weight:600;margin-top:6px;transition:background .15s;
  }
  .btn-primary:hover{background:var(--navy-3)}
  .login-links{display:flex;justify-content:space-between;margin-top:18px;font-size:13px}
  .login-links a{color:var(--blue);text-decoration:none;font-weight:500}
  .login-note{
    margin-top:22px;padding-top:18px;border-top:1px solid var(--line);
    font-size:12px;color:var(--muted);text-align:center;line-height:1.6;
  }
  .demo-hint{
    position:relative;margin-top:16px;background:rgba(211,158,46,.12);border:1px dashed var(--gold);
    border-radius:8px;padding:10px 14px;font-size:12.5px;color:#8A6A1E;text-align:center;
  }

  /* =================== APP SHELL =================== */
  #app{display:none;min-height:100vh}
  #app.active{display:grid;grid-template-columns:240px 1fr}
  #login-screen.hidden{display:none}

  aside{
    background:var(--navy);color:var(--on-navy);padding:22px 0;
    display:flex;flex-direction:column;position:sticky;top:0;height:100vh;
  }
  .side-brand{display:flex;align-items:center;gap:11px;padding:0 20px 20px;border-bottom:1px solid rgba(255,255,255,.1)}
  .side-brand .crest{width:40px;height:40px;font-size:13px;box-shadow:0 0 0 2px rgba(211,158,46,.35)}
  .side-brand b{font-family:'Source Serif 4',serif;font-size:15.5px;font-weight:600;display:block;color:#fff;line-height:1.2}
  .side-brand span{font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-light)}
  .side-nav{margin-top:14px;flex:1}
  .side-nav a{
    display:flex;align-items:center;gap:12px;width:100%;background:none;border:none;
    color:var(--on-navy-muted);font-size:14px;font-weight:500;padding:12px 20px;
    border-left:3px solid transparent;text-align:left;transition:all .12s;
    text-decoration:none;box-sizing:border-box;
  }
  .side-nav a:hover{color:#fff;background:rgba(255,255,255,.04)}
  .side-nav a.active{color:var(--gold-light);border-left-color:var(--gold);background:rgba(211,158,46,.08)}
  .side-nav a svg{flex-shrink:0}
  .side-foot{padding:16px 20px 0;border-top:1px solid rgba(255,255,255,.1);font-size:12px;color:var(--on-navy-muted)}
  .side-foot .who{color:#fff;font-weight:600;font-size:13px}
  .side-foot button{
    margin-top:12px;width:100%;background:none;border:1px solid rgba(255,255,255,.25);
    color:var(--on-navy);border-radius:7px;padding:9px;font-size:13px;font-weight:500;
  }
  .side-foot button:hover{border-color:var(--gold);color:var(--gold-light)}

  main{padding:0 0 60px}
  .main-head{
    background:#fff;border-bottom:1px solid var(--line);
    padding:22px 36px;display:flex;justify-content:space-between;align-items:center;
    position:sticky;top:0;z-index:10;
  }
  .main-head h1{font-size:22px;font-weight:600}
  .main-head .sub{font-size:12.5px;color:var(--muted);margin-top:1px}
  .main-head .session{font-size:12px;color:var(--muted);text-align:right}
  .main-head .session b{color:var(--green);font-weight:600}
  .content{padding:30px 36px;max-width:1060px}

  /* views */
  .view{display:none}
  .view.active{display:block;animation:fadein .18s ease}
  @keyframes fadein{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:none}}

  /* summary cards */
  .sum-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  .acct-card{
    background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
    padding:24px 26px;cursor:pointer;transition:box-shadow .15s, transform .15s;position:relative;
  }
  .acct-card:hover{box-shadow:0 14px 34px -18px rgba(10,24,51,.35);transform:translateY(-2px)}
  .acct-card .type{
    font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;
    color:var(--navy);background:rgba(211,158,46,.16);border:1px solid rgba(211,158,46,.4);
    display:inline-block;padding:3px 9px;border-radius:99px;
  }
  .acct-card .acctnum{font-size:12.5px;color:var(--muted);margin-top:10px}
  .acct-card .bal{font-family:'Source Serif 4',serif;font-size:32px;font-weight:700;color:var(--navy);margin-top:4px}
  .acct-card .bal small{font-size:13px;font-family:'Libre Franklin',sans-serif;font-weight:500;color:var(--muted)}
  .acct-card .meta{display:flex;gap:20px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}
  .acct-card .meta div{font-size:12px;color:var(--muted)}
  .acct-card .meta b{display:block;font-size:14px;color:var(--ink);font-weight:600}
  .acct-card .view-link{position:absolute;top:22px;right:24px;font-size:13px;color:var(--blue);font-weight:600}

  /* credit usage bar */
  .bar{height:8px;background:var(--line);border-radius:99px;margin-top:12px;overflow:hidden}
  .bar i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:99px}
  .bar.loan i{background:linear-gradient(90deg,var(--green),#3FB9A5)}
  .bar-label{display:flex;justify-content:space-between;font-size:11.5px;color:var(--muted);margin-top:6px}

  /* section titles */
  .sec-title{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);font-weight:700;margin:34px 0 14px}
  .sec-title:first-child{margin-top:0}

  /* tables */
  .tbl-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
  table.tx{width:100%;border-collapse:collapse}
  table.tx th{
    text-align:left;font-size:11px;letter-spacing:.1em;text-transform:uppercase;
    color:var(--muted);font-weight:700;padding:13px 20px;background:#F8FAFC;border-bottom:1px solid var(--line);
  }
  table.tx td{padding:14px 20px;border-bottom:1px solid var(--line);font-size:14px}
  table.tx tr:last-child td{border-bottom:none}
  table.tx tr:hover td{background:#FAFBFD}
  td.amount{text-align:right;font-family:'Source Serif 4',serif;font-weight:700;font-size:15px}
  th.amount{text-align:right}
  .amount.credit{color:var(--green)}
  .amount.debit{color:var(--red)}
  .txtype{
    font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;
    padding:3px 9px;border-radius:99px;display:inline-block;
  }
  .txtype.pay{background:rgba(18,140,126,.12);color:var(--green)}
  .txtype.draw{background:rgba(31,111,235,.1);color:var(--blue)}
  .txtype.disb{background:rgba(211,158,46,.16);color:#8A6A1E}
  .txtype.int{background:rgba(214,69,80,.1);color:var(--red)}
  .tbl-foot{padding:13px 20px;font-size:12.5px;color:var(--muted);display:flex;justify-content:space-between;align-items:center;background:#F8FAFC;border-top:1px solid var(--line)}
  .tbl-foot .pages button{
    border:1px solid var(--line);background:#fff;border-radius:6px;padding:5px 12px;font-size:12.5px;color:var(--ink);margin-left:6px;
  }
  .tbl-foot .pages button.on{background:var(--navy);color:#fff;border-color:var(--navy)}

  /* detail header block */
  .detail-hero{
    background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px 30px;
    display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;position:relative;overflow:hidden;
  }
  .detail-hero svg.g{position:absolute;right:-60px;top:-80px;width:420px;opacity:.14;pointer-events:none}
  .detail-hero .type{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-light);font-weight:700}
  .detail-hero .acctnum{font-size:13px;color:var(--on-navy-muted);margin-top:4px}
  .detail-hero .bal{font-family:'Source Serif 4',serif;font-size:40px;font-weight:700;margin-top:8px}
  .detail-hero .bal small{font-size:14px;font-family:'Libre Franklin',sans-serif;font-weight:500;color:var(--on-navy-muted)}
  .stat-stack{position:relative;display:grid;gap:10px;text-align:right}
  .stat-stack div{font-size:12px;color:var(--on-navy-muted)}
  .stat-stack b{display:block;font-size:17px;color:#fff;font-family:'Source Serif 4',serif}
  .back-link{background:none;border:none;color:var(--blue);font-size:13.5px;font-weight:600;margin-bottom:16px;display:inline-flex;align-items:center;gap:6px}

  /* filters */
  .filters{display:flex;gap:10px;margin:18px 0 14px;flex-wrap:wrap}
  .filters button{
    border:1px solid var(--line);background:#fff;border-radius:99px;padding:7px 16px;
    font-size:13px;font-weight:500;color:var(--muted);
  }
  .filters button.on{background:var(--navy);border-color:var(--navy);color:#fff}
  .filters .export{margin-left:auto;border-color:var(--gold);color:#8A6A1E;background:rgba(211,158,46,.08)}

  /* loan detail extras */
  .loan-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:20px}
  .stat-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px}
  .stat-card .l{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:700}
  .stat-card .v{font-family:'Source Serif 4',serif;font-size:22px;font-weight:700;color:var(--navy);margin-top:6px}
  .stat-card .v small{font-size:12px;font-family:'Libre Franklin',sans-serif;color:var(--muted);font-weight:500}

  /* profile */
  .profile-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:8px 26px;max-width:640px}
  .prow{display:grid;grid-template-columns:180px 1fr;padding:16px 0;border-bottom:1px solid var(--line);font-size:14.5px}
  .prow:last-child{border-bottom:none}
  .prow .k{color:var(--muted);font-weight:600;font-size:13px}
  .notice{
    margin-top:18px;max-width:640px;background:rgba(211,158,46,.1);border:1px solid rgba(211,158,46,.4);
    border-radius:8px;padding:14px 18px;font-size:13.5px;color:#7A5D1B;line-height:1.6;
  }
  .status-pill{background:rgba(18,140,126,.12);color:var(--green);font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 10px;border-radius:99px}

  /* responsive */
  @media(max-width:920px){
    #app.active{grid-template-columns:1fr}
    aside{position:static;height:auto;flex-direction:row;align-items:center;padding:12px 16px;gap:8px;overflow-x:auto}
    .side-brand{border:none;padding:0 12px 0 0}
    .side-brand .name-txt{display:none}
    .side-nav{display:flex;margin:0;flex:1}
    .side-nav a{padding:9px 13px;border-left:none;border-bottom:3px solid transparent;white-space:nowrap}
    .side-nav a.active{border-bottom-color:var(--gold);border-left:none}
    .side-nav a svg{display:none}
    .side-foot{border:none;padding:0}
    .side-foot .who,.side-foot .memb{display:none}
    .side-foot button{margin:0;width:auto;padding:8px 14px;white-space:nowrap}
    .sum-grid,.loan-grid{grid-template-columns:1fr}
    .content{padding:20px 16px}
    .main-head{padding:16px}
    .detail-hero{grid-template-columns:1fr}
    .stat-stack{text-align:left}
    table.tx th:nth-child(2),table.tx td:nth-child(2){display:none}
  }
  @media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
  :focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* ---------- form feedback (added for live app) ---------- */
.form-error{
  background:rgba(214,69,80,.1);border:1px solid rgba(214,69,80,.35);color:#9B2C36;
  border-radius:8px;padding:11px 14px;font-size:13.5px;margin-bottom:16px;
}
.form-success{
  background:rgba(18,140,126,.1);border:1px solid rgba(18,140,126,.35);color:#0E5A50;
  border-radius:8px;padding:11px 14px;font-size:13.5px;margin-bottom:16px;
}
.login-links span{visibility:hidden}