:root,[data-theme=light]{--bg: #f4f6f9;--bg-elevated: #ffffff;--surface: #ffffff;--surface-hover: #f8fafc;--surface-muted: #f1f5f9;--border: #e2e8f0;--border-strong: #cbd5e1;--text: #0f172a;--text-secondary: #334155;--text-muted: #64748b;--primary: #1e40af;--primary-hover: #1d4ed8;--primary-soft: rgba(30, 64, 175, .08);--green: #15803d;--green-soft: rgba(21, 128, 61, .1);--orange: #c2410c;--orange-soft: rgba(194, 65, 12, .1);--red: #b91c1c;--red-soft: rgba(185, 28, 28, .1);--blue: #2563eb;--blue-soft: rgba(37, 99, 235, .1);--purple: #7c3aed;--purple-soft: rgba(124, 58, 237, .1);--shadow-sm: 0 1px 2px rgba(15, 23, 42, .05);--shadow: 0 4px 6px -1px rgba(15, 23, 42, .07), 0 2px 4px -2px rgba(15, 23, 42, .05);--shadow-lg: 0 10px 15px -3px rgba(15, 23, 42, .08), 0 4px 6px -4px rgba(15, 23, 42, .05);--sidebar-bg: #0f172a;--sidebar-text: #94a3b8;--sidebar-text-active: #ffffff;--sidebar-hover: rgba(255, 255, 255, .06);--sidebar-active: #1e40af;--login-gradient: linear-gradient(135deg, #eff6ff 0%, #f8fafc 50%, #f1f5f9 100%);--radius: 8px;--radius-lg: 12px;--font: "DM Sans", system-ui, -apple-system, sans-serif}[data-theme=dark]{--bg: #0b1120;--bg-elevated: #111827;--surface: #151d2e;--surface-hover: #1c2640;--surface-muted: #1a2332;--border: #243044;--border-strong: #334155;--text: #f1f5f9;--text-secondary: #cbd5e1;--text-muted: #94a3b8;--primary: #3b82f6;--primary-hover: #2563eb;--primary-soft: rgba(59, 130, 246, .12);--green: #4ade80;--green-soft: rgba(74, 222, 128, .12);--orange: #fb923c;--orange-soft: rgba(251, 146, 60, .12);--red: #f87171;--red-soft: rgba(248, 113, 113, .12);--blue: #60a5fa;--blue-soft: rgba(96, 165, 250, .12);--purple: #a78bfa;--purple-soft: rgba(167, 139, 250, .12);--shadow-sm: 0 1px 2px rgba(0, 0, 0, .2);--shadow: 0 4px 6px -1px rgba(0, 0, 0, .25);--shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, .3);--sidebar-bg: #070d19;--sidebar-text: #64748b;--sidebar-text-active: #f1f5f9;--sidebar-hover: rgba(255, 255, 255, .04);--sidebar-active: #2563eb;--login-gradient: radial-gradient(ellipse at top left, #1e293b 0%, #0b1120 60%)}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font);background:var(--bg);color:var(--text);line-height:1.6;min-height:100vh;-webkit-font-smoothing:antialiased}a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}.app{display:flex;min-height:100vh}.sidebar{width:272px;background:var(--sidebar-bg);display:flex;flex-direction:column;padding:1.5rem 1rem;flex-shrink:0}.brand{display:flex;gap:.875rem;align-items:center;padding:0 .5rem 1.5rem;border-bottom:1px solid rgba(255,255,255,.06);margin-bottom:1.25rem}.brand h1{font-size:1.125rem;font-weight:700;color:#fff;letter-spacing:-.01em}.brand p{font-size:.7rem;color:var(--sidebar-text);text-transform:uppercase;letter-spacing:.06em}.brand-icon{width:42px;height:42px;background:linear-gradient(135deg,#1e40af,#6366f1);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:1.25rem;color:#fff;box-shadow:0 4px 12px #1e40af66;flex-shrink:0}.brand-icon.large{width:64px;height:64px;font-size:1.75rem}.sidebar nav{display:flex;flex-direction:column;gap:.125rem;flex:1}.sidebar nav a{display:flex;align-items:center;gap:.75rem;padding:.625rem .875rem;border-radius:var(--radius);color:var(--sidebar-text);text-decoration:none;font-weight:500;font-size:.875rem;transition:all .15s ease}.sidebar nav a:hover{background:var(--sidebar-hover);color:var(--sidebar-text-active);text-decoration:none}.sidebar nav a.active{background:var(--sidebar-active);color:#fff}.nav-icon{font-size:1rem;opacity:.85;width:1.25rem;text-align:center}.sidebar-footer{border-top:1px solid rgba(255,255,255,.06);padding-top:1rem;display:flex;flex-direction:column;gap:.75rem}.user-panel{display:flex;align-items:center;gap:.75rem;padding:0 .25rem}.user-avatar{width:36px;height:36px;background:linear-gradient(135deg,#334155,#475569);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.875rem;color:#fff;flex-shrink:0}.user-info{display:flex;flex-direction:column;gap:.125rem;min-width:0}.user-info strong{font-size:.8125rem;color:#e2e8f0;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.sidebar .role-badge{background:#3b82f633;color:#93c5fd;font-size:.625rem}.main-area{flex:1;display:flex;flex-direction:column;min-width:0}.topbar{background:var(--surface);border-bottom:1px solid var(--border);padding:.875rem 2rem;box-shadow:var(--shadow-sm)}.topbar-title{font-size:.8125rem;color:var(--text-muted)}.topbar-subtitle{font-weight:600;color:var(--text-secondary)}.topbar-divider{margin:0 .5rem;opacity:.4}.content{flex:1;padding:2rem;overflow-y:auto}.theme-toggle{display:flex;align-items:center;gap:.625rem;background:#ffffff0d;border:1px solid rgba(255,255,255,.08);border-radius:var(--radius);padding:.5rem .75rem;cursor:pointer;font-family:var(--font);color:var(--sidebar-text);font-size:.8125rem;transition:all .15s;width:100%}.theme-toggle:hover{background:#ffffff14;color:#e2e8f0}.login-theme-bar{position:fixed;top:1.25rem;right:1.25rem;z-index:10}.login-theme-bar .theme-toggle{background:var(--surface);border-color:var(--border);color:var(--text-muted);width:auto;box-shadow:var(--shadow)}.login-theme-bar .theme-toggle:hover{color:var(--text);background:var(--surface-hover)}.theme-toggle-track{display:flex;align-items:center}.theme-toggle-thumb{font-size:.875rem}.theme-toggle-label{font-weight:500}.page-header{margin-bottom:1.75rem}.page-header h2{font-size:1.625rem;font-weight:700;letter-spacing:-.02em;color:var(--text)}.page-header p{color:var(--text-muted);margin-top:.25rem;font-size:.9375rem}.page-header.row{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem}.back-link{font-size:.875rem;display:inline-block;margin-bottom:.5rem;color:var(--text-muted)}.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem;margin-bottom:1.25rem;box-shadow:var(--shadow-sm)}.card-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.25rem}.card h3{font-size:.9375rem;font-weight:600;color:var(--text);margin-bottom:0}.table-card{padding:0;overflow:hidden}.table-card .card-header{padding:1.25rem 1.5rem 0;margin-bottom:0}.table-card .table-wrap{margin-top:.75rem}.table-card .empty,.table-card .pagination{padding:1.5rem}.stats-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:1rem;margin-bottom:1.5rem}.stats-grid.compact{margin-bottom:0}.stat-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.375rem;display:flex;flex-direction:column;gap:.375rem;box-shadow:var(--shadow-sm);transition:box-shadow .15s}.stat-card:hover{box-shadow:var(--shadow)}.stat-label{font-size:.6875rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.06em;font-weight:600}.stat-value{font-size:1.875rem;font-weight:700;letter-spacing:-.02em;line-height:1.2}.stat-value-sm{font-size:1.375rem}.stat-card.accent-green .stat-value{color:var(--green)}.stat-card.accent-orange .stat-value{color:var(--orange)}.stat-card.accent-red .stat-value{color:var(--red)}.stat-card.accent-blue .stat-value{color:var(--blue)}.stat-card.accent-purple .stat-value{color:var(--purple)}.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:.8125rem}thead{background:var(--surface-muted)}th{text-align:left;padding:.75rem 1.25rem;color:var(--text-muted);font-weight:600;font-size:.6875rem;text-transform:uppercase;letter-spacing:.05em;border-bottom:1px solid var(--border);white-space:nowrap}td{padding:.875rem 1.25rem;border-bottom:1px solid var(--border);color:var(--text-secondary)}tr:last-child td{border-bottom:none}tbody tr{transition:background .1s}tbody tr:hover td{background:var(--surface-hover)}.table-link{font-weight:500;color:var(--primary)}.mono{font-variant-numeric:tabular-nums;font-feature-settings:"tnum"}.pagination{display:flex;align-items:center;justify-content:center;gap:1rem;padding-top:.5rem;font-size:.8125rem;color:var(--text-muted)}.filters-card{padding:1rem 1.25rem}.filters{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1rem}.filters label{font-size:.75rem;color:var(--text-muted);font-weight:600;text-transform:uppercase;letter-spacing:.04em}.badge{display:inline-block;padding:.2rem .625rem;border-radius:999px;font-size:.6875rem;font-weight:600;text-transform:uppercase;letter-spacing:.04em;white-space:nowrap}.badge-green{background:var(--green-soft);color:var(--green)}.badge-orange{background:var(--orange-soft);color:var(--orange)}.badge-red{background:var(--red-soft);color:var(--red)}.badge-blue{background:var(--blue-soft);color:var(--blue)}.badge-gray{background:var(--surface-muted);color:var(--text-muted);border:1px solid var(--border)}.role-badge{display:inline-block;padding:.125rem .5rem;background:var(--primary-soft);color:var(--primary);border-radius:4px;font-size:.625rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;width:fit-content}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.375rem;padding:.5625rem 1.125rem;border-radius:var(--radius);border:none;font-family:var(--font);font-size:.875rem;font-weight:600;cursor:pointer;transition:all .15s ease;white-space:nowrap}.btn:disabled{opacity:.45;cursor:not-allowed}.btn-primary{background:var(--primary);color:#fff;box-shadow:0 1px 2px #1e40af33}.btn-primary:hover:not(:disabled){background:var(--primary-hover)}.btn-danger{background:var(--red);color:#fff}.btn-danger:hover:not(:disabled){filter:brightness(1.1)}.btn-ghost{background:transparent;color:var(--text-muted);border:1px solid var(--border)}.btn-ghost:hover:not(:disabled){background:var(--surface-hover);color:var(--text);border-color:var(--border-strong)}.btn-sm{padding:.375rem .875rem;font-size:.8125rem}.btn-block{width:100%}.sidebar .btn-ghost{border-color:#ffffff1a;color:var(--sidebar-text);font-size:.8125rem}.sidebar .btn-ghost:hover{background:#ffffff0f;color:#e2e8f0}label{display:flex;flex-direction:column;gap:.375rem;font-size:.875rem;font-weight:500;color:var(--text-secondary)}input,select,textarea{padding:.625rem .875rem;background:var(--bg-elevated);border:1px solid var(--border);border-radius:var(--radius);color:var(--text);font-family:var(--font);font-size:.875rem;transition:border-color .15s,box-shadow .15s}input:focus,select:focus,textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px var(--primary-soft)}input::placeholder{color:var(--text-muted)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.form-grid h3{margin-top:.5rem;font-size:.8125rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted)}.full-width{grid-column:1 / -1}.form-actions{display:flex;gap:.75rem;justify-content:flex-end;margin-top:.5rem}.login-page{min-height:100vh;background:var(--login-gradient);position:relative}.login-layout{min-height:100vh;display:grid;grid-template-columns:1fr 420px;max-width:1100px;margin:0 auto;padding:3rem 2rem;align-items:center;gap:4rem}.login-hero{padding:2rem 0}.login-hero h1{font-size:2.25rem;font-weight:700;letter-spacing:-.03em;margin:1.25rem 0 .5rem}.login-tagline{font-size:1.125rem;color:var(--primary);font-weight:600;margin-bottom:1rem}.login-description{color:var(--text-muted);font-size:.9375rem;line-height:1.7;max-width:420px}.login-features{list-style:none;margin-top:2rem;display:flex;flex-direction:column;gap:.75rem}.login-features li{font-size:.875rem;color:var(--text-secondary);padding-left:1.5rem;position:relative}.login-features li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}.login-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:2.25rem;box-shadow:var(--shadow-lg)}.login-header{margin-bottom:1.75rem}.login-header h2{font-size:1.375rem;font-weight:700;letter-spacing:-.02em}.login-header p{color:var(--text-muted);font-size:.875rem;margin-top:.25rem}.login-card form{display:flex;flex-direction:column;gap:1.125rem}.demo-accounts{margin-top:1.75rem;padding-top:1.5rem;border-top:1px solid var(--border)}.demo-accounts p{font-size:.75rem;color:var(--text-muted);font-weight:600;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.75rem}.demo-btn{display:flex;align-items:center;gap:.625rem;width:100%;padding:.5625rem .75rem;background:var(--surface-muted);border:1px solid var(--border);border-radius:var(--radius);color:var(--text-secondary);font-size:.8125rem;cursor:pointer;margin-bottom:.375rem;font-family:var(--font);transition:all .15s;text-align:left}.demo-btn:hover{background:var(--surface-hover);border-color:var(--border-strong);color:var(--text)}.detail-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1rem;margin-bottom:1.25rem}.detail-list{display:grid;grid-template-columns:auto 1fr;gap:.5rem 1.25rem;font-size:.875rem}.detail-list dt{color:var(--text-muted);font-weight:500}.detail-list dd{color:var(--text-secondary)}.actions-card .review-actions{display:flex;gap:.75rem;align-items:center;flex-wrap:wrap;margin-top:.5rem}.actions-card input{flex:1;min-width:200px}.audit-list{list-style:none}.audit-list li{padding:.875rem 0;border-bottom:1px solid var(--border);display:flex;flex-direction:column;gap:.25rem;font-size:.875rem}.audit-list li:last-child{border-bottom:none}.audit-list small{color:var(--text-muted);font-size:.8125rem}.danger-zone{border-color:var(--red-soft)}.danger-zone-header{display:flex;justify-content:space-between;align-items:flex-start;gap:1rem;margin-bottom:1.25rem}.danger-zone-header h3{margin-bottom:.375rem}.danger-zone-header p{color:var(--text-muted);font-size:.875rem;line-height:1.6}.reset-form{display:flex;flex-direction:column;gap:1rem;max-width:400px;margin-top:1rem}.reset-summary{margin-top:.5rem;padding-left:1.25rem;font-size:.875rem;line-height:1.8}.alert{padding:.875rem 1.125rem;border-radius:var(--radius);font-size:.875rem;margin-bottom:1rem;line-height:1.5}.alert-error{background:var(--red-soft);border:1px solid rgba(185,28,28,.2);color:var(--red)}.alert-success{background:var(--green-soft);border:1px solid rgba(21,128,61,.2);color:var(--green)}.loading,.empty{color:var(--text-muted);padding:3rem;text-align:center;font-size:.9375rem;display:flex;flex-direction:column;align-items:center;gap:1rem}.link{font-size:.875rem;font-weight:500}.spinner{width:28px;height:28px;border:3px solid var(--border);border-top-color:var(--primary);border-radius:50%;animation:spin .7s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}code{background:var(--surface-muted);padding:.15rem .45rem;border-radius:4px;font-size:.8125rem;border:1px solid var(--border);color:var(--text-secondary)}@media (max-width: 960px){.login-layout{grid-template-columns:1fr;gap:2rem;padding-top:4rem}.login-hero{text-align:center}.login-description{max-width:none}.login-features{align-items:center}}@media (max-width: 768px){.app{flex-direction:column}.sidebar{width:100%}.sidebar nav{flex-direction:row;flex-wrap:wrap}.main-area{min-height:auto}.content{padding:1.25rem}.form-grid,.filters{grid-template-columns:1fr}.stats-grid{grid-template-columns:1fr 1fr}.page-header.row{flex-direction:column}.loan-terms-banner{grid-template-columns:1fr 1fr}.reports-grid{grid-template-columns:1fr}}.step-indicator{display:flex;gap:.5rem;margin-bottom:1.5rem}.step{display:flex;align-items:center;gap:.5rem;padding:.5rem 1rem;border-radius:var(--radius);background:var(--surface);border:1px solid var(--border);font-size:.8125rem;color:var(--text-muted);flex:1}.step.active{border-color:var(--primary);color:var(--primary);background:var(--primary-soft);font-weight:600}.step.done{color:var(--green);border-color:var(--green-soft)}.step-num{width:24px;height:24px;border-radius:50%;background:var(--surface-muted);display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700}.step.active .step-num{background:var(--primary);color:#fff}.loan-terms-banner{display:grid;grid-template-columns:repeat(5,1fr);gap:1rem;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.25rem 1.5rem;margin-bottom:1.25rem;box-shadow:var(--shadow-sm)}.loan-terms-banner div{display:flex;flex-direction:column;gap:.25rem}.term-label{font-size:.6875rem;text-transform:uppercase;letter-spacing:.05em;color:var(--text-muted);font-weight:600}.loan-terms-banner strong{font-size:1.125rem;color:var(--text)}.tabs{display:flex;gap:.25rem;margin-bottom:1rem;border-bottom:1px solid var(--border);overflow-x:auto}.tab{padding:.625rem 1rem;background:none;border:none;border-bottom:2px solid transparent;font-family:var(--font);font-size:.8125rem;font-weight:500;color:var(--text-muted);cursor:pointer;display:flex;align-items:center;gap:.375rem;white-space:nowrap;margin-bottom:-1px;transition:all .15s}.tab:hover{color:var(--text)}.tab.active{color:var(--primary);border-bottom-color:var(--primary);font-weight:600}.tab-count{background:var(--primary-soft);color:var(--primary);font-size:.625rem;padding:.1rem .4rem;border-radius:999px;font-weight:700}.tab-count.warn{background:var(--orange-soft);color:var(--orange)}.inline-form{display:flex;gap:.5rem;margin-top:1rem;flex-wrap:wrap}.inline-form input{flex:1;min-width:180px}.inline-form select{min-width:140px}.notes-list{list-style:none}.notes-list li{padding:.875rem 0;border-bottom:1px solid var(--border)}.notes-list li:last-child{border-bottom:none}.note-header{display:flex;align-items:center;gap:.5rem;margin-bottom:.375rem}.note-header small{margin-left:auto;color:var(--text-muted)}.notes-list p{font-size:.875rem;color:var(--text-secondary);line-height:1.6}.stip-list{list-style:none}.stip-list li{padding:.75rem 0;border-bottom:1px solid var(--border);display:flex;flex-direction:column;gap:.25rem}.stip-list li.satisfied span{text-decoration:line-through;color:var(--text-muted)}.stip-check{display:flex;align-items:center;gap:.625rem;cursor:pointer;font-size:.875rem}.stip-list small{color:var(--text-muted);font-size:.75rem;padding-left:1.625rem}.action-buttons{display:flex;gap:.75rem;flex-wrap:wrap}.reports-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.reports-grid .full-width{grid-column:1 / -1}.bar-chart{display:flex;flex-direction:column;gap:.625rem;margin-bottom:1rem}.bar-row{display:grid;grid-template-columns:120px 1fr 60px;align-items:center;gap:.75rem;font-size:.8125rem}.bar-label{color:var(--text-secondary);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.bar-track{height:8px;background:var(--surface-muted);border-radius:999px;overflow:hidden}.bar-fill{height:100%;background:linear-gradient(90deg,var(--primary),var(--blue));border-radius:999px;transition:width .3s}.bar-value{text-align:right;font-weight:600;color:var(--text);font-variant-numeric:tabular-nums}.compact-table{margin-top:1rem;font-size:.8125rem}.compact-table th,.compact-table td{padding:.5rem .75rem}.notifications-list{list-style:none}.notification-item{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.875rem 0;border-bottom:1px solid var(--border)}.notification-item:last-child{border-bottom:none}.notification-item p{margin:.25rem 0;color:var(--text-secondary);font-size:.875rem}.notification-item small{color:var(--text-muted)}.notification-success strong{color:var(--green)}.notification-warning strong{color:var(--orange)}.notification-error strong{color:var(--red)}.row-overdue{background:var(--orange-soft)}.pricing-preview{margin-top:.5rem;padding:1rem;background:var(--surface-muted);border-radius:var(--radius)}.pricing-preview h4{margin:0 0 .75rem;font-size:.875rem;color:var(--text-secondary)}.badge-purple{background:var(--purple-soft);color:var(--purple)}.topbar{display:flex;align-items:center;justify-content:space-between}.topbar-actions{display:flex;align-items:center;gap:.75rem}.notification-bell{background:var(--surface-muted);border:1px solid var(--border);border-radius:var(--radius);padding:.375rem .75rem;cursor:pointer;font-size:.875rem;position:relative}.notification-count{background:var(--red);color:#fff;font-size:.625rem;font-weight:700;padding:.1rem .35rem;border-radius:999px;margin-left:.25rem}.rules-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:1.25rem}.rule-hint{font-size:.8125rem;color:var(--text-muted);margin:0}.checkbox-label{display:flex;align-items:center;gap:.5rem}.loan-terms-banner.compact{margin-bottom:1rem}.risk-factors{margin-top:1rem;padding-top:1rem;border-top:1px solid var(--border)}.risk-factors h4{font-size:.8125rem;color:var(--text-secondary);margin:0 0 .5rem}.risk-factors ul{margin:0;padding-left:1.25rem;font-size:.8125rem;color:var(--text-secondary)}.risk-factors li{margin-bottom:.25rem}