:root{
  --navy:#0a2540; --blue:#123a5e; --green:#1d6f4c; --mint:#5ad19a;
  --ink:#1c2128; --muted:#5a6b7c; --line:#e2e9ec; --bg:#f6f8fa; --card:#ffffff;
  --radius:10px; --shadow:0 1px 3px rgba(10,37,64,.08),0 4px 14px rgba(10,37,64,.05);
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Segoe UI','Helvetica Neue',Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.5;font-size:14.5px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}

/* top bar */
.topbar{position:sticky;top:0;z-index:50;background:var(--navy);
  background:linear-gradient(180deg,#0c2c4d,#0a2540);
  border-bottom:1px solid rgba(255,255,255,.08);
  box-shadow:0 1px 0 rgba(0,0,0,.15),0 6px 18px rgba(10,37,64,.12)}
.topbar-inner{max-width:1080px;margin:0 auto;padding:0 20px;height:60px;
  display:flex;align-items:center;gap:8px}
.topbar .brand{display:flex;align-items:center}
.topbar .brand img{height:30px;display:block}

/* primary nav */
.nav-main{display:flex;align-items:center;gap:4px;margin-left:26px}
.nav-link{position:relative;color:#aac2da;font-size:14px;font-weight:500;
  padding:8px 14px;border-radius:8px;line-height:1;transition:color .15s,background .15s}
.nav-link:hover{color:#fff;background:rgba(255,255,255,.06);text-decoration:none}
.nav-link.active{color:#fff;background:rgba(90,209,154,.14)}
.nav-link.active::after{content:"";position:absolute;left:14px;right:14px;bottom:-1px;
  height:2px;border-radius:2px;background:var(--mint)}

/* right-side user cluster */
.nav-user{display:flex;align-items:center;gap:10px;margin-left:auto}
.icon-btn{display:flex;align-items:center;justify-content:center;width:36px;height:36px;
  border-radius:9px;color:#aac2da;transition:color .15s,background .15s}
.icon-btn:hover{color:#fff;background:rgba(255,255,255,.08);text-decoration:none}
.icon-btn.active{color:var(--mint);background:rgba(90,209,154,.14)}
.user-chip{display:flex;align-items:center;gap:9px;padding:5px 12px 5px 6px;
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:24px}
.avatar{display:flex;align-items:center;justify-content:center;width:30px;height:30px;
  border-radius:50%;background:linear-gradient(145deg,var(--mint),var(--green));
  color:#06281a;font-size:12px;font-weight:800;letter-spacing:.3px;flex:none}
.user-meta{display:flex;flex-direction:column;line-height:1.25}
.user-name{color:#fff;font-size:13px;font-weight:600}
.user-role{color:#8aa6c0;font-size:11px}
.btn-ghost{color:#cfe0ee;font-size:13px;font-weight:600;padding:8px 16px;border-radius:8px;
  border:1px solid rgba(255,255,255,.16);transition:background .15s,border-color .15s}
.btn-ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.32);
  color:#fff;text-decoration:none}

@media(max-width:760px){
  .topbar-inner{height:auto;flex-wrap:wrap;padding:10px 16px;gap:8px}
  .nav-main{margin-left:0;order:3;width:100%;overflow-x:auto}
  .nav-user{gap:8px}
  .user-meta{display:none}
}

/* layout */
.wrap{max-width:1080px;margin:26px auto;padding:0 20px}
.page-title{font-size:20px;font-weight:700;color:var(--navy);margin-bottom:2px}
.page-sub{color:var(--muted);margin-bottom:20px;font-size:13.5px}

/* page header: title block on the left, actions on the right */
.page-head{display:flex;align-items:flex-start;justify-content:space-between;gap:16px;margin-bottom:24px}
.page-head .page-title{margin-bottom:3px}
.page-head .page-sub{margin-bottom:0}
.page-head-actions{flex:none;display:flex;align-items:center;gap:10px;padding-top:2px}

/* section grouping label */
.section-label{font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;
  color:var(--muted);margin:26px 0 12px;display:flex;align-items:center;gap:10px}
.section-label::after{content:"";flex:1;height:1px;background:var(--line)}

/* card header row (title + action) */
.card-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:16px}
.card-head .page-title{margin-bottom:2px}
.card-head .page-sub{margin-bottom:0}

/* cards & grid */
.grid{display:grid;gap:16px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}
.card.stat{padding:18px 20px;transition:transform .13s ease,box-shadow .13s ease,border-color .13s ease}
.card.stat:hover{transform:translateY(-2px);border-color:#cdd9e0;
  box-shadow:0 2px 6px rgba(10,37,64,.08),0 10px 24px rgba(10,37,64,.09)}
.stat .num{font-size:27px;font-weight:800;color:var(--blue);line-height:1.15;letter-spacing:-.5px}
.stat .lbl{font-size:11.5px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);margin-top:4px}
.stat .num.green{color:var(--green)}

/* table */
table{width:100%;border-collapse:collapse;font-size:13.5px}
th{background:var(--navy);color:#fff;text-align:left;padding:9px 12px;font-weight:600;font-size:12.5px}
td{padding:9px 12px;border-bottom:1px solid var(--line)}
tr:nth-child(even) td{background:#fafcfd}

/* badges */
.badge{display:inline-block;font-size:11px;font-weight:700;padding:2px 9px;border-radius:20px}
.badge.pending{background:#fff3d6;color:#9a6b00}
.badge.active,.badge.approved,.badge.paid{background:#e0f0e8;color:#14613f}
.badge.overdue,.badge.declined,.badge.defaulted{background:#fbe3e3;color:#b1322f}
.badge.new,.badge.under_review{background:#e3eefb;color:#1d5fa8}

/* forms */
.form{max-width:420px}
label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin:12px 0 4px}
input,select,textarea{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:14px;font-family:inherit}
input:focus,select:focus,textarea:focus{outline:2px solid var(--mint);border-color:var(--mint)}
.btn{display:inline-block;background:var(--green);color:#fff;border:none;padding:11px 20px;border-radius:8px;font-size:14px;font-weight:600;cursor:pointer}
.btn:hover{background:#175c3f;text-decoration:none}
.btn.secondary{background:#eef2f5;color:var(--navy)}
.btn.small{padding:6px 12px;font-size:12.5px}

/* auth screen */
.auth{min-height:100vh;display:flex;align-items:center;justify-content:center;background:linear-gradient(155deg,#0a2540,#123a5e 55%,#1d6f4c)}
.auth .box{background:#fff;border-radius:16px;padding:34px;width:360px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.auth .box img{height:40px;margin-bottom:18px}

.alert{padding:10px 14px;border-radius:8px;font-size:13.5px;margin-bottom:14px}
.alert.error{background:#fbe3e3;color:#b1322f}
.alert.ok{background:#e0f0e8;color:#14613f}

.flash-link{margin-top:14px;font-size:13px}
@media(max-width:760px){
  .grid.cols-3,.grid.cols-2{grid-template-columns:1fr}
  .page-head{flex-direction:column;gap:14px}
  .page-head-actions{width:100%}
  .page-head-actions .btn{flex:1;text-align:center}
}

/* reports hub list */
.report-list{display:flex;flex-direction:column;gap:2px}
.report-row{display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:13px 4px;border-bottom:1px solid var(--line)}
.report-row:last-child{border-bottom:none}
.report-row .r-name{font-weight:600;color:var(--navy);font-size:13.5px}
.report-row .r-desc{color:var(--muted);font-size:12.5px;margin-top:1px}

/* loan account statement */
.statement{padding:26px 28px}
.stmt-head{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;
  padding-bottom:18px;border-bottom:2px solid var(--navy)}
.stmt-lender{font-size:18px;font-weight:800;color:var(--navy)}
.stmt-meta{font-size:12px;color:var(--muted);margin-top:3px;line-height:1.5}
.stmt-title{text-align:right}
.stmt-kv{display:flex;justify-content:space-between;gap:16px;font-size:13px;padding:4px 0}
.stmt-kv span{color:var(--muted)}
.stmt-kv strong{color:var(--ink);font-weight:600;text-align:right}
.stmt-terms{margin-top:10px;font-size:12.5px;color:var(--muted)}
.stmt-foot{margin-top:22px;padding-top:14px;border-top:1px solid var(--line);
  font-size:11.5px;color:var(--muted);line-height:1.6}

/* print: drop the chrome, keep the document */
@media print{
  .topbar,.no-print{display:none!important}
  body{background:#fff;font-size:12px}
  .wrap{margin:0;max-width:none;padding:0}
  .card{box-shadow:none;border:1px solid #d4dde3;break-inside:avoid}
  .card.stat:hover{transform:none;box-shadow:none}
  table{font-size:11px}
  th{background:var(--navy)!important;-webkit-print-color-adjust:exact;print-color-adjust:exact}
  .badge{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}