/* ============================================================
   ALTUM CAPITAL — Main Design System
   Fintech-grade UI | Kenya DPA 2019 Compliant Platform
   ============================================================ */

:root {
  --primary: #0a3d6b;
  --primary-light: #1565a8;
  --primary-dark: #062848;
  --accent: #00a86b;
  --accent-light: #00c97f;
  --accent-dark: #007a4d;
  --warning: #f59e0b;
  --danger: #dc2626;
  --danger-light: #fee2e2;
  --info: #0ea5e9;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1e293b;
  --gray-900: #0f172a;
  --sidebar-width: 260px;
  --topbar-height: 64px;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow: 0 1px 4px rgba(0,0,0,0.08), 0 4px 16px rgba(0,0,0,0.06);
  --shadow-lg: 0 4px 24px rgba(0,0,0,0.12), 0 1px 4px rgba(0,0,0,0.06);
  --transition: 0.2s ease;
}

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

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--gray-50);
  color: var(--gray-800);
  line-height: 1.6;
  min-height: 100vh;
}

/* ── Typography ── */
h1, h2, h3, h4, h5 { font-weight: 700; line-height: 1.25; color: var(--gray-900); }
h1 { font-size: 2rem; }
h2 { font-size: 1.5rem; }
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; }
p { color: var(--gray-600); }
a { color: var(--primary-light); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ── Utility ── */
.text-center { text-align: center; }
.text-right { text-align: right; }
.font-bold { font-weight: 700; }
.font-medium { font-weight: 500; }
.text-sm { font-size: 0.875rem; }
.text-xs { font-size: 0.75rem; }
.text-lg { font-size: 1.125rem; }
.text-xl { font-size: 1.25rem; }
.text-primary { color: var(--primary); }
.text-accent { color: var(--accent); }
.text-danger { color: var(--danger); }
.text-warning { color: var(--warning); }
.text-muted { color: var(--gray-500); }
.text-white { color: var(--white); }
.mt-1 { margin-top: 0.25rem; }
.mt-2 { margin-top: 0.5rem; }
.mt-3 { margin-top: 0.75rem; }
.mt-4 { margin-top: 1rem; }
.mb-1 { margin-bottom: 0.25rem; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-3 { margin-bottom: 0.75rem; }
.mb-4 { margin-bottom: 1rem; }
.gap-1 { gap: 0.25rem; }
.gap-2 { gap: 0.5rem; }
.gap-3 { gap: 0.75rem; }
.gap-4 { gap: 1rem; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.flex-wrap { flex-wrap: wrap; }
.hidden { display: none !important; }
.w-full { width: 100%; }

/* ── Scrollbar ── */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--gray-100); }
::-webkit-scrollbar-thumb { background: var(--gray-300); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--gray-400); }

/* ============================================================
   DASHBOARD LAYOUT
   ============================================================ */
.app-layout {
  display: flex;
  min-height: 100vh;
}

/* ── Sidebar ── */
.sidebar {
  width: var(--sidebar-width);
  background: var(--primary-dark);
  color: var(--white);
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0;
  left: 0;
  height: 100vh;
  z-index: 100;
  transition: transform var(--transition);
  overflow-y: auto;
}

.sidebar-header {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.sidebar-logo {
  width: 40px;
  height: 40px;
  object-fit: contain;
  flex-shrink: 0;
}

.sidebar-brand {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.02em;
  line-height: 1.1;
}
.sidebar-brand span { color: #f59e0b; }

.sidebar-role-badge {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  background: rgba(255,255,255,0.12);
  border-radius: 4px;
  padding: 2px 7px;
  color: var(--gray-300);
  margin-top: 2px;
}

.sidebar-nav { flex: 1; padding: 1rem 0; }

.nav-section-label {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  padding: 0.75rem 1.5rem 0.4rem;
}

.nav-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.65rem 1.5rem;
  color: rgba(255,255,255,0.72);
  cursor: pointer;
  transition: all var(--transition);
  border-left: 3px solid transparent;
  font-size: 0.9rem;
  font-weight: 500;
  position: relative;
}
.nav-item:hover {
  background: rgba(255,255,255,0.06);
  color: var(--white);
  border-left-color: rgba(255,255,255,0.3);
  text-decoration: none;
}
.nav-item.active {
  background: rgba(255,255,255,0.1);
  color: var(--white);
  border-left-color: var(--accent);
}
.nav-item i { width: 18px; text-align: center; font-size: 0.95rem; }

.nav-badge {
  margin-left: auto;
  background: var(--danger);
  color: white;
  font-size: 0.65rem;
  font-weight: 700;
  padding: 1px 6px;
  border-radius: 10px;
}

.sidebar-footer {
  padding: 1rem 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}
.sidebar-footer .agent-info { color: rgba(255,255,255,0.7); font-weight: 600; margin-bottom: 0.25rem; }
.sidebar-footer a { color: rgba(255,255,255,0.5); font-size: 0.8rem; }
.sidebar-footer a:hover { color: var(--danger); }

/* ── Main content ── */
.main-content {
  margin-left: var(--sidebar-width);
  flex: 1;
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

/* ── Topbar ── */
.topbar {
  height: var(--topbar-height);
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 1.5rem;
  position: sticky;
  top: 0;
  z-index: 90;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
}

.topbar-left { display: flex; align-items: center; gap: 1rem; }
.topbar-right { display: flex; align-items: center; gap: 1rem; }

.menu-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.25rem;
  color: var(--gray-600);
  cursor: pointer;
  padding: 0.25rem;
}

.page-title { font-size: 1.1rem; font-weight: 700; color: var(--gray-900); }
.page-subtitle { font-size: 0.8rem; color: var(--gray-500); }

.topbar-right .date-display {
  font-size: 0.8rem;
  color: var(--gray-500);
  background: var(--gray-100);
  padding: 0.25rem 0.75rem;
  border-radius: 20px;
}

.user-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: 700;
  font-size: 0.85rem;
  cursor: pointer;
}

/* ── Page content ── */
.page-content {
  flex: 1;
  padding: 1.5rem;
}

/* ── Section ── */
.page-section {
  display: none;
}
.page-section.active {
  display: block;
}

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem;
  border: 1px solid var(--gray-200);
}

.card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--gray-100);
}
.card-title { font-size: 1rem; font-weight: 700; color: var(--gray-900); }
.card-subtitle { font-size: 0.8rem; color: var(--gray-500); margin-top: 2px; }

/* ── KPI Cards ── */
.kpi-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.kpi-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
  position: relative;
  overflow: hidden;
}
.kpi-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
}
.kpi-card.blue::before { background: linear-gradient(90deg, var(--primary), var(--primary-light)); }
.kpi-card.green::before { background: linear-gradient(90deg, var(--accent), var(--accent-light)); }
.kpi-card.orange::before { background: linear-gradient(90deg, #f59e0b, #fbbf24); }
.kpi-card.red::before { background: linear-gradient(90deg, var(--danger), #f87171); }
.kpi-card.purple::before { background: linear-gradient(90deg, #7c3aed, #a78bfa); }

.kpi-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}
.kpi-card.blue .kpi-icon { background: rgba(10,61,107,0.1); color: var(--primary); }
.kpi-card.green .kpi-icon { background: rgba(0,168,107,0.1); color: var(--accent); }
.kpi-card.orange .kpi-icon { background: rgba(245,158,11,0.1); color: var(--warning); }
.kpi-card.red .kpi-icon { background: rgba(220,38,38,0.1); color: var(--danger); }
.kpi-card.purple .kpi-icon { background: rgba(124,58,237,0.1); color: #7c3aed; }

.kpi-value {
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.kpi-label {
  font-size: 0.8rem;
  color: var(--gray-500);
  font-weight: 500;
}
.kpi-change {
  font-size: 0.75rem;
  font-weight: 600;
  margin-top: 0.5rem;
}
.kpi-change.up { color: var(--accent); }
.kpi-change.down { color: var(--danger); }

/* ── Grid ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.grid-1-2 { display: grid; grid-template-columns: 1fr 2fr; gap: 1rem; }
.grid-2-1 { display: grid; grid-template-columns: 2fr 1fr; gap: 1rem; }

/* ============================================================
   TABLES
   ============================================================ */
.table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
thead th {
  background: var(--gray-50);
  color: var(--gray-600);
  font-weight: 600;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 0.75rem 1rem;
  text-align: left;
  border-bottom: 2px solid var(--gray-200);
  white-space: nowrap;
}
tbody tr {
  border-bottom: 1px solid var(--gray-100);
  transition: background var(--transition);
}
tbody tr:hover { background: var(--gray-50); }
tbody tr:last-child { border-bottom: none; }
td {
  padding: 0.75rem 1rem;
  color: var(--gray-700);
  vertical-align: middle;
}
td strong { color: var(--gray-900); }

/* ============================================================
   STATUS BADGES
   ============================================================ */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.2rem 0.6rem;
  border-radius: 20px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: capitalize;
  white-space: nowrap;
}
.badge-pending { background: #fef3c7; color: #92400e; }
.badge-approved { background: #d1fae5; color: #065f46; }
.badge-active { background: #dbeafe; color: #1e40af; }
.badge-completed { background: #d1fae5; color: #065f46; }
.badge-rejected { background: #fee2e2; color: #991b1b; }
.badge-defaulted { background: #fce7f3; color: #9d174d; }
.badge-paid { background: #d1fae5; color: #065f46; }
.badge-partial { background: #fef3c7; color: #92400e; }
.badge-missed { background: #fee2e2; color: #991b1b; }
.badge-admin { background: rgba(10,61,107,0.12); color: var(--primary); }
.badge-agent { background: rgba(0,168,107,0.12); color: var(--accent-dark); }
.badge-suspended { background: #fee2e2; color: #991b1b; }
.badge-blacklisted { background: #fee2e2; color: #991b1b; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.5rem 1rem;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  font-size: 0.875rem;
  font-weight: 600;
  font-family: inherit;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-light); color: white; }
.btn-accent { background: var(--accent); color: var(--white); }
.btn-accent:hover { background: var(--accent-light); color: white; }
.btn-danger { background: var(--danger); color: var(--white); }
.btn-danger:hover { background: #b91c1c; color: white; }
.btn-warning { background: var(--warning); color: var(--white); }
.btn-warning:hover { background: #d97706; }
.btn-outline { background: transparent; color: var(--primary); border: 1.5px solid var(--primary); }
.btn-outline:hover { background: var(--primary); color: white; }
.btn-ghost { background: transparent; color: var(--gray-600); }
.btn-ghost:hover { background: var(--gray-100); color: var(--gray-900); }
.btn-sm { padding: 0.3rem 0.7rem; font-size: 0.8rem; }
.btn-lg { padding: 0.75rem 1.5rem; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }
.btn-icon { padding: 0.4rem 0.5rem; }

/* ============================================================
   FORMS
   ============================================================ */
.form-group { margin-bottom: 1rem; }
.form-label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 0.35rem;
}
.form-label .required { color: var(--danger); margin-left: 2px; }
.form-control {
  width: 100%;
  padding: 0.6rem 0.85rem;
  border: 1.5px solid var(--gray-300);
  border-radius: 8px;
  font-size: 0.875rem;
  font-family: inherit;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus {
  outline: none;
  border-color: var(--primary-light);
  box-shadow: 0 0 0 3px rgba(21,101,168,0.12);
}
.form-control::placeholder { color: var(--gray-400); }
.form-control:disabled { background: var(--gray-100); cursor: not-allowed; }
select.form-control { appearance: none; cursor: pointer; }

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
.form-row-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.form-hint { font-size: 0.76rem; color: var(--gray-500); margin-top: 0.25rem; }
.form-error { font-size: 0.76rem; color: var(--danger); margin-top: 0.25rem; }

.checkbox-group {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.75rem;
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
}
.checkbox-group input[type="checkbox"] {
  width: 16px;
  height: 16px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--primary);
  cursor: pointer;
}
.checkbox-group label {
  font-size: 0.82rem;
  color: var(--gray-700);
  cursor: pointer;
  line-height: 1.5;
}

.upload-zone {
  border: 2px dashed var(--gray-300);
  border-radius: 8px;
  padding: 1.5rem;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  background: var(--gray-50);
}
.upload-zone:hover { border-color: var(--primary-light); background: rgba(21,101,168,0.04); }
.upload-zone i { font-size: 1.5rem; color: var(--gray-400); margin-bottom: 0.5rem; }
.upload-zone p { font-size: 0.8rem; color: var(--gray-500); }
.upload-zone input[type="file"] { display: none; }

/* ============================================================
   MODAL
   ============================================================ */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 1000;
  align-items: center;
  justify-content: center;
  padding: 1rem;
}
.modal-overlay.open { display: flex; }

.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  width: 100%;
  max-width: 640px;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-lg);
  animation: modalIn 0.2s ease;
}
.modal-lg { max-width: 860px; }
.modal-sm { max-width: 480px; }

@keyframes modalIn {
  from { opacity: 0; transform: translateY(-16px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  background: white;
  z-index: 2;
}
.modal-title { font-size: 1.05rem; font-weight: 700; }
.modal-close {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: none;
  background: var(--gray-100);
  color: var(--gray-600);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  transition: all var(--transition);
}
.modal-close:hover { background: var(--gray-200); color: var(--gray-900); }
.modal-body { padding: 1.5rem; }
.modal-footer {
  padding: 1rem 1.5rem;
  border-top: 1px solid var(--gray-200);
  display: flex;
  justify-content: flex-end;
  gap: 0.75rem;
}

/* ============================================================
   ALERTS & TOASTS
   ============================================================ */
.alert {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.9rem 1rem;
  border-radius: 8px;
  margin-bottom: 1rem;
  font-size: 0.875rem;
}
.alert-info { background: #eff6ff; border: 1px solid #bfdbfe; color: #1e40af; }
.alert-success { background: #f0fdf4; border: 1px solid #bbf7d0; color: #166534; }
.alert-warning { background: #fffbeb; border: 1px solid #fde68a; color: #92400e; }
.alert-danger { background: #fef2f2; border: 1px solid #fecaca; color: #991b1b; }
.alert i { margin-top: 2px; flex-shrink: 0; }

.toast-container {
  position: fixed;
  top: 1.25rem;
  right: 1.25rem;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.toast {
  background: var(--gray-900);
  color: white;
  padding: 0.75rem 1.1rem;
  border-radius: 10px;
  font-size: 0.875rem;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 0.6rem;
  animation: toastIn 0.3s ease;
  min-width: 260px;
}
.toast.success { background: var(--accent-dark); }
.toast.error { background: var(--danger); }
.toast.warning { background: #d97706; }
@keyframes toastIn {
  from { opacity: 0; transform: translateX(24px); }
  to { opacity: 1; transform: translateX(0); }
}

/* ============================================================
   PROGRESS BARS
   ============================================================ */
.progress-bar-wrap {
  background: var(--gray-200);
  border-radius: 10px;
  height: 8px;
  overflow: hidden;
}
.progress-bar {
  height: 100%;
  border-radius: 10px;
  transition: width 0.5s ease;
}
.progress-bar.primary { background: linear-gradient(90deg, var(--primary), var(--primary-light)); }
.progress-bar.accent { background: linear-gradient(90deg, var(--accent), var(--accent-light)); }
.progress-bar.warning { background: linear-gradient(90deg, #f59e0b, #fbbf24); }
.progress-bar.danger { background: linear-gradient(90deg, var(--danger), #f87171); }

/* ============================================================
   SEARCH / FILTER TOOLBAR
   ============================================================ */
.toolbar {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-bottom: 1rem;
}
.search-box {
  flex: 1;
  min-width: 200px;
  position: relative;
}
.search-box i {
  position: absolute;
  left: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  font-size: 0.9rem;
}
.search-box input {
  width: 100%;
  padding: 0.5rem 0.85rem 0.5rem 2.25rem;
  border: 1.5px solid var(--gray-300);
  border-radius: 8px;
  font-size: 0.875rem;
  font-family: inherit;
  transition: border-color var(--transition);
}
.search-box input:focus { outline: none; border-color: var(--primary-light); }

/* ============================================================
   LOAN CARD (agent view)
   ============================================================ */
.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  padding: 1rem 1.25rem;
  margin-bottom: 0.75rem;
  transition: box-shadow var(--transition);
}
.loan-card:hover { box-shadow: var(--shadow); }
.loan-card-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 0.75rem; }
.loan-id { font-size: 0.8rem; font-weight: 700; color: var(--primary); letter-spacing: 0.04em; }
.loan-client { font-size: 1rem; font-weight: 700; color: var(--gray-900); }
.loan-phone { font-size: 0.8rem; color: var(--gray-500); }
.loan-progress-section { margin-top: 0.75rem; }
.loan-meta {
  display: flex;
  gap: 1.5rem;
  font-size: 0.8rem;
  color: var(--gray-600);
  flex-wrap: wrap;
}
.loan-meta strong { color: var(--gray-900); }

/* ============================================================
   REPAYMENT DAY TRACKER
   ============================================================ */
.day-tracker {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
  margin-top: 0.5rem;
}
.day-dot {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.6rem;
  font-weight: 700;
  cursor: default;
}
.day-dot.paid { background: var(--accent); color: white; }
.day-dot.missed { background: var(--danger); color: white; }
.day-dot.partial { background: var(--warning); color: white; }
.day-dot.pending { background: var(--gray-200); color: var(--gray-500); }
.day-dot.today { ring: 2px solid var(--primary); outline: 2px solid var(--primary-light); }

/* ============================================================
   STATS ROW
   ============================================================ */
.stats-row {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-value { font-size: 1.25rem; font-weight: 800; color: var(--gray-900); }
.stat-label { font-size: 0.75rem; color: var(--gray-500); }

/* ============================================================
   EMPTY STATE
   ============================================================ */
.empty-state {
  text-align: center;
  padding: 3rem 1rem;
  color: var(--gray-400);
}
.empty-state i { font-size: 2.5rem; margin-bottom: 0.75rem; display: block; }
.empty-state h3 { color: var(--gray-600); margin-bottom: 0.5rem; }
.empty-state p { font-size: 0.875rem; max-width: 320px; margin: 0 auto; }

/* ============================================================
   TAB NAVIGATION
   ============================================================ */
.tab-nav {
  display: flex;
  gap: 0;
  border-bottom: 2px solid var(--gray-200);
  margin-bottom: 1.25rem;
  overflow-x: auto;
}
.tab-btn {
  padding: 0.6rem 1.1rem;
  border: none;
  background: none;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-500);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  white-space: nowrap;
  transition: all var(--transition);
  font-family: inherit;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}
.tab-btn:hover { color: var(--primary); }
.tab-btn.active { color: var(--primary); border-bottom-color: var(--primary); }

/* ============================================================
   CHART CONTAINERS
   ============================================================ */
.chart-container {
  position: relative;
  height: 240px;
}
.chart-container-lg {
  position: relative;
  height: 300px;
}

/* ============================================================
   DPA NOTICE BANNER
   ============================================================ */
.dpa-banner {
  background: linear-gradient(135deg, #eff6ff, #e0f2fe);
  border: 1px solid #bfdbfe;
  border-radius: 8px;
  padding: 0.75rem 1rem;
  font-size: 0.8rem;
  color: #1e40af;
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  margin-bottom: 1rem;
}
.dpa-banner i { margin-top: 2px; flex-shrink: 0; }
.dpa-banner a { color: var(--primary); font-weight: 600; }

/* ============================================================
   LEGAL PAGE STYLES
   ============================================================ */
.legal-page {
  max-width: 860px;
  margin: 0 auto;
  padding: 2rem 1.5rem;
}
.legal-header {
  border-bottom: 3px solid var(--primary);
  padding-bottom: 1.5rem;
  margin-bottom: 2rem;
}
.legal-section {
  margin-bottom: 2rem;
}
.legal-section h2 {
  font-size: 1.1rem;
  color: var(--primary);
  margin-bottom: 0.75rem;
  padding-bottom: 0.4rem;
  border-bottom: 1px solid var(--gray-200);
}
.legal-section h3 {
  font-size: 0.95rem;
  color: var(--gray-800);
  margin: 0.75rem 0 0.4rem;
}
.legal-section p, .legal-section li {
  font-size: 0.9rem;
  color: var(--gray-700);
  line-height: 1.8;
  margin-bottom: 0.5rem;
}
.legal-section ul, .legal-section ol {
  padding-left: 1.5rem;
}
.legal-section table {
  font-size: 0.85rem;
}
.legal-section table th {
  background: var(--primary);
  color: white;
  text-transform: none;
  letter-spacing: 0;
}

.legal-nav {
  position: sticky;
  top: 1rem;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 1rem;
}
.legal-nav h4 { margin-bottom: 0.75rem; font-size: 0.875rem; color: var(--gray-700); }
.legal-nav a {
  display: block;
  font-size: 0.8rem;
  color: var(--gray-600);
  padding: 0.3rem 0;
  border-bottom: 1px solid var(--gray-100);
}
.legal-nav a:hover { color: var(--primary); text-decoration: none; }

/* ============================================================
   LOAN SCHEDULE TABLE
   ============================================================ */
.loan-schedule-table {
  font-size: 0.875rem;
}
.loan-schedule-table thead th { background: var(--primary); color: white; text-transform: none; letter-spacing: 0; }
.loan-schedule-table tbody tr:nth-child(even) { background: var(--gray-50); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .kpi-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-1-2, .grid-2-1 { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .sidebar {
    transform: translateX(-100%);
  }
  .sidebar.open {
    transform: translateX(0);
  }
  .sidebar-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 99;
  }
  .sidebar-overlay.open { display: block; }
  .main-content { margin-left: 0; }
  .menu-toggle { display: flex; }
  .kpi-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: 1fr; }
  .form-row, .form-row-3 { grid-template-columns: 1fr; }
  .page-content { padding: 1rem; }
  .topbar { padding: 0 1rem; }
  .date-display { display: none; }
}

@media (max-width: 480px) {
  .kpi-grid { grid-template-columns: 1fr; }
  .kpi-value { font-size: 1.35rem; }
  .modal { max-height: 95vh; }
  .btn-lg { padding: 0.65rem 1.25rem; }
}

/* ============================================================
   PRINT
   ============================================================ */
@media print {
  .sidebar, .topbar, .menu-toggle, .btn { display: none !important; }
  .main-content { margin-left: 0; }
  .page-content { padding: 0; }
  body { background: white; }
}