@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Space+Grotesk:wght@400;500;600;700&display=swap');

:root {
  --navy: #050d1f;
  --navy-2: #091428;
  --navy-3: #0d1d38;
  --blue: #0047FF;
  --blue-2: #1a5fff;
  --blue-light: #4d83ff;
  --blue-glow: rgba(0,71,255,0.2);
  --cyan: #00c8ff;
  --green: #00d68f;
  --green-2: #00b87a;
  --white: #f5f8ff;
  --white-dim: rgba(245,248,255,0.65);
  --white-faint: rgba(245,248,255,0.07);
  --white-border: rgba(245,248,255,0.1);
  --gold: #ffb800;
  --red: #ff3d5a;
  --card: rgba(9,20,40,0.9);
  --font: 'Plus Jakarta Sans', sans-serif;
  --font2: 'Space Grotesk', sans-serif;
  --r: 14px;
  --r-sm: 8px;
  --r-lg: 20px;
  --shadow: 0 8px 40px rgba(0,0,0,0.5);
  --shadow-blue: 0 0 50px rgba(0,71,255,0.15);
  --t: all 0.2s cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);background:var(--navy);color:var(--white);min-height:100vh;line-height:1.6;overflow-x:hidden}

body::before{content:'';position:fixed;inset:0;
  background:radial-gradient(ellipse 70% 60% at 15% -10%,rgba(0,71,255,.1) 0%,transparent 55%),
             radial-gradient(ellipse 50% 40% at 85% 95%,rgba(0,200,255,.07) 0%,transparent 55%);
  pointer-events:none;z-index:0}

/* ── TYPOGRAPHY ── */
h1{font-size:clamp(2.2rem,5vw,3.8rem);line-height:1.15;font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.6rem);font-weight:700;line-height:1.2}
h3{font-size:1.2rem;font-weight:700}
p{line-height:1.7}
.mono{font-family:var(--font2)}
.text-blue{color:var(--blue-light)}
.text-green{color:var(--green)}
.text-gold{color:var(--gold)}
.text-red{color:var(--red)}
.text-dim{color:var(--white-dim)}
.text-center{text-align:center}
.text-sm{font-size:.875rem}
.text-xs{font-size:.75rem}
.fw-700{font-weight:700}
.fw-800{font-weight:800}

/* ── LAYOUT ── */
.container{max-width:1200px;margin:0 auto;padding:0 1.5rem;position:relative;z-index:1}
.z1{position:relative;z-index:1}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
@media(max-width:900px){.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:768px){.grid-3,.grid-2{grid-template-columns:1fr}}
@media(max-width:640px){.grid-4{grid-template-columns:1fr}}

/* ── NAVBAR ── */
.navbar{background:rgba(5,13,31,.92);backdrop-filter:blur(24px);border-bottom:1px solid var(--white-border);padding:.875rem 0;position:sticky;top:0;z-index:100}
.navbar .container{display:flex;align-items:center;justify-content:space-between;gap:1rem}
.logo{display:flex;align-items:center;gap:.75rem;text-decoration:none;color:var(--white)}
.logo-mark{width:38px;height:38px;background:linear-gradient(135deg,var(--blue),var(--cyan));border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;font-weight:800;box-shadow:0 0 20px var(--blue-glow)}
.logo-name{font-size:1.2rem;font-weight:800;letter-spacing:-.02em}
.logo-name span{color:var(--cyan)}
.nav-links{display:flex;align-items:center;gap:.5rem}
.nav-btn{padding:.5rem 1.2rem;border-radius:var(--r-sm);font-family:var(--font);font-size:.875rem;font-weight:600;cursor:pointer;transition:var(--t);text-decoration:none;border:none}
.nav-ghost{background:transparent;color:var(--white-dim);border:1px solid var(--white-border)}
.nav-ghost:hover{background:var(--white-faint);color:var(--white)}
.nav-primary{background:var(--blue);color:#fff}
.nav-primary:hover{background:var(--blue-2);transform:translateY(-1px);box-shadow:0 4px 20px var(--blue-glow)}
.user-chip{display:flex;align-items:center;gap:.6rem}
.avatar{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--cyan));display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700}

/* ── CARDS ── */
.card{background:var(--card);border:1px solid var(--white-border);border-radius:var(--r);padding:1.75rem;backdrop-filter:blur(10px);transition:var(--t)}
.card:hover{border-color:rgba(0,71,255,.25);transform:translateY(-2px);box-shadow:var(--shadow-blue)}
.card-title{font-size:1rem;font-weight:700;margin-bottom:.25rem}
.card-sub{font-size:.8rem;color:var(--white-dim)}

/* ── STAT CARDS ── */
.stat-card{background:var(--card);border:1px solid var(--white-border);border-radius:var(--r);padding:1.5rem;position:relative;overflow:hidden}
.stat-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--blue),var(--cyan))}
.stat-label{font-size:.72rem;color:var(--white-dim);text-transform:uppercase;letter-spacing:.1em;margin-bottom:.5rem}
.stat-val{font-family:var(--font2);font-size:1.9rem;font-weight:700;color:var(--white)}
.stat-note{font-size:.75rem;color:var(--white-dim);margin-top:.2rem}

/* ── BUTTONS ── */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.8rem 2rem;border-radius:var(--r-sm);font-family:var(--font);font-size:.95rem;font-weight:700;cursor:pointer;transition:var(--t);border:none;text-decoration:none;letter-spacing:.01em}
.btn:disabled{opacity:.5;cursor:not-allowed!important;transform:none!important}
.btn-primary{background:linear-gradient(135deg,var(--blue),#1a5fff);color:#fff;box-shadow:0 4px 20px var(--blue-glow)}
.btn-primary:hover:not(:disabled){transform:translateY(-2px);box-shadow:0 8px 32px rgba(0,71,255,.4)}
.btn-success{background:linear-gradient(135deg,var(--green-2),var(--green));color:var(--navy)}
.btn-success:hover:not(:disabled){transform:translateY(-2px);box-shadow:0 8px 28px rgba(0,214,143,.3)}
.btn-outline{background:transparent;color:var(--white);border:1px solid var(--white-border)}
.btn-outline:hover:not(:disabled){background:var(--white-faint);border-color:var(--blue-light)}
.btn-danger{background:rgba(255,61,90,.12);color:var(--red);border:1px solid rgba(255,61,90,.25)}
.btn-danger:hover:not(:disabled){background:rgba(255,61,90,.22)}
.btn-lg{padding:1rem 2.5rem;font-size:1.05rem}
.btn-sm{padding:.45rem .9rem;font-size:.8rem}
.btn-full{width:100%}

/* ── FORMS ── */
.form-group{margin-bottom:1.2rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
@media(max-width:600px){.form-row{grid-template-columns:1fr}}
label{display:block;font-size:.75rem;font-weight:700;color:var(--white-dim);text-transform:uppercase;letter-spacing:.07em;margin-bottom:.4rem}
input,select,textarea{width:100%;background:rgba(255,255,255,.04);border:1px solid var(--white-border);border-radius:var(--r-sm);padding:.75rem 1rem;color:var(--white);font-family:var(--font);font-size:.95rem;transition:var(--t);outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--blue);background:rgba(0,71,255,.06);box-shadow:0 0 0 3px rgba(0,71,255,.12)}
input::placeholder{color:rgba(255,255,255,.2)}
select option{background:var(--navy-2);color:var(--white)}
.field-err{color:var(--red);font-size:.78rem;margin-top:.25rem}

/* ── BADGES ── */
.badge{display:inline-flex;align-items:center;gap:.3rem;padding:.2rem .7rem;border-radius:100px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.badge-success{background:rgba(0,214,143,.12);color:var(--green);border:1px solid rgba(0,214,143,.25)}
.badge-warning{background:rgba(255,184,0,.12);color:var(--gold);border:1px solid rgba(255,184,0,.25)}
.badge-danger{background:rgba(255,61,90,.12);color:var(--red);border:1px solid rgba(255,61,90,.25)}
.badge-info{background:rgba(0,71,255,.12);color:var(--blue-light);border:1px solid rgba(0,71,255,.25)}
.badge-neutral{background:var(--white-faint);color:var(--white-dim);border:1px solid var(--white-border)}

/* ── PROGRESS ── */
.progress-wrap{background:rgba(255,255,255,.06);border-radius:100px;height:8px;overflow:hidden}
.progress-bar{height:100%;border-radius:100px;background:linear-gradient(90deg,var(--blue),var(--cyan));transition:width 1.2s ease}
.progress-bar.green{background:linear-gradient(90deg,var(--green-2),var(--green))}
.progress-bar.gold{background:linear-gradient(90deg,#e67e00,var(--gold))}

/* ── ALERTS ── */
.alert{padding:.9rem 1.1rem;border-radius:var(--r-sm);font-size:.875rem;display:flex;align-items:flex-start;gap:.65rem;margin-bottom:1rem}
.alert-success{background:rgba(0,214,143,.08);border:1px solid rgba(0,214,143,.2);color:var(--green)}
.alert-error{background:rgba(255,61,90,.08);border:1px solid rgba(255,61,90,.2);color:var(--red)}
.alert-info{background:rgba(0,71,255,.08);border:1px solid rgba(0,71,255,.2);color:var(--blue-light)}
.alert-warning{background:rgba(255,184,0,.08);border:1px solid rgba(255,184,0,.2);color:var(--gold)}

/* ── MODAL ── */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.8);backdrop-filter:blur(10px);z-index:1000;display:flex;align-items:center;justify-content:center;padding:1rem;opacity:0;visibility:hidden;transition:var(--t)}
.modal-overlay.active{opacity:1;visibility:visible}
.modal{background:var(--navy-2);border:1px solid var(--white-border);border-radius:var(--r-lg);padding:2rem;max-width:500px;width:100%;transform:translateY(20px) scale(.98);transition:var(--t);max-height:90vh;overflow-y:auto}
.modal-overlay.active .modal{transform:translateY(0) scale(1)}
.modal-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:1.5rem}
.modal-close{background:var(--white-faint);border:none;color:var(--white-dim);width:30px;height:30px;border-radius:50%;cursor:pointer;font-size:1rem;display:flex;align-items:center;justify-content:center;transition:var(--t)}
.modal-close:hover{background:rgba(255,61,90,.2);color:var(--red)}

/* ── TABLES ── */
.table-wrap{overflow-x:auto;border-radius:var(--r)}
table{width:100%;border-collapse:collapse;font-size:.875rem}
thead th{background:rgba(255,255,255,.03);color:var(--white-dim);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.09em;padding:.875rem 1rem;text-align:left;border-bottom:1px solid var(--white-border);white-space:nowrap}
tbody tr{border-bottom:1px solid rgba(255,255,255,.04);transition:var(--t)}
tbody tr:hover{background:rgba(255,255,255,.025)}
tbody tr:last-child{border-bottom:none}
td{padding:.875rem 1rem;vertical-align:middle;color:var(--white-dim)}
td:first-child{color:var(--white)}

/* ── AUTH ── */
.auth-page{min-height:100vh;display:grid;place-items:center;padding:2rem 1rem;position:relative}
.auth-card{background:var(--card);border:1px solid var(--white-border);border-radius:var(--r-lg);padding:2.5rem;width:100%;max-width:490px;backdrop-filter:blur(20px);box-shadow:var(--shadow)}

/* ── HERO ── */
.hero-section{padding:6rem 0 5rem;text-align:center;position:relative}
.hero-badge{display:inline-flex;align-items:center;gap:.5rem;background:rgba(0,71,255,.1);border:1px solid rgba(0,71,255,.25);color:var(--blue-light);padding:.35rem .9rem;border-radius:100px;font-size:.78rem;font-weight:700;margin-bottom:1.5rem;letter-spacing:.04em}
.hero-section h1{margin-bottom:1.1rem}
.gradient-text{background:linear-gradient(135deg,var(--blue-light),var(--cyan));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hero-section p{font-size:1.1rem;color:var(--white-dim);max-width:580px;margin:0 auto 2.5rem}
.hero-cta{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}

/* ── SIMULATOR ── */
.simulator-card{background:linear-gradient(135deg,rgba(0,71,255,.1),rgba(0,200,255,.05));border:1px solid rgba(0,71,255,.2);border-radius:var(--r-lg);padding:2.5rem;max-width:700px;margin:0 auto}
.sim-amount{font-family:var(--font2);font-size:3.5rem;font-weight:700;color:var(--white);text-align:center;margin:1rem 0}
.sim-amount span{font-size:1.5rem;color:var(--white-dim)}
input[type=range]{width:100%;accent-color:var(--blue);height:6px;cursor:pointer;margin:.5rem 0}
.sim-info{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:1.5rem}
.sim-info-item{background:rgba(255,255,255,.04);border-radius:var(--r-sm);padding:1rem;text-align:center}
.sim-info-label{font-size:.72rem;color:var(--white-dim);text-transform:uppercase;letter-spacing:.08em}
.sim-info-val{font-family:var(--font2);font-size:1.4rem;font-weight:700;color:var(--cyan);margin-top:.25rem}

/* ── LOAN CARD ── */
.loan-hero-card{background:linear-gradient(135deg,rgba(0,71,255,.12),rgba(0,200,255,.06));border:1px solid rgba(0,71,255,.25);border-radius:var(--r-lg);padding:2rem;position:relative;overflow:hidden}
.loan-hero-card::after{content:'';position:absolute;top:-60px;right:-60px;width:220px;height:220px;background:radial-gradient(circle,rgba(0,71,255,.1) 0%,transparent 70%);border-radius:50%}
.loan-hero-card.approved{border-color:rgba(0,214,143,.25);background:linear-gradient(135deg,rgba(0,214,143,.08),rgba(0,71,255,.04))}
.big-amount{font-family:var(--font2);font-size:2.8rem;font-weight:700;color:var(--white)}
.big-amount .curr{font-size:1.4rem;color:var(--white-dim);vertical-align:top;margin-top:.5rem;display:inline-block}

/* ── DASHBOARD ── */
.welcome-card{background:linear-gradient(135deg,rgba(0,71,255,.12),rgba(0,200,255,.06));border:1px solid rgba(0,71,255,.2);border-radius:var(--r);padding:1.5rem 2rem;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-bottom:2rem}
.pay-row{display:flex;align-items:center;justify-content:space-between;padding:.875rem 0;border-bottom:1px solid rgba(255,255,255,.05)}
.pay-row:last-child{border-bottom:none}
.pay-amount{font-family:var(--font2);font-weight:700;color:var(--green)}

/* ── SCORE ── */
.score-ring{width:80px;height:80px;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-direction:column;font-family:var(--font2);font-weight:700;font-size:1.1rem}
.score-high{background:rgba(0,214,143,.12);border:2px solid rgba(0,214,143,.3);color:var(--green)}
.score-med{background:rgba(255,184,0,.12);border:2px solid rgba(255,184,0,.3);color:var(--gold)}
.score-low{background:rgba(255,61,90,.12);border:2px solid rgba(255,61,90,.3);color:var(--red)}

/* ── TOAST ── */
.toast-wrap{position:fixed;bottom:2rem;right:2rem;z-index:2000;display:flex;flex-direction:column;gap:.75rem}
.toast{background:var(--navy-3);border:1px solid var(--white-border);border-radius:var(--r-sm);padding:.9rem 1.1rem;min-width:280px;max-width:350px;display:flex;align-items:flex-start;gap:.65rem;box-shadow:var(--shadow);animation:slideR .3s ease}
.toast.success{border-color:rgba(0,214,143,.35)}
.toast.error{border-color:rgba(255,61,90,.35)}
.toast.info{border-color:rgba(0,71,255,.35)}
.toast-msg{font-size:.875rem;line-height:1.4}
@keyframes slideR{from{opacity:0;transform:translateX(20px)}to{opacity:1;transform:translateX(0)}}

/* ── LOADING ── */
.loading-overlay{position:fixed;inset:0;background:rgba(5,13,31,.92);z-index:3000;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:1rem}
.spinner{width:44px;height:44px;border:3px solid var(--white-faint);border-top-color:var(--blue);border-radius:50%;animation:spin .75s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}

/* ── UTILS ── */
.hidden{display:none!important}
.flex{display:flex}
.flex-between{display:flex;justify-content:space-between;align-items:center}
.flex-center{display:flex;align-items:center;justify-content:center}
.gap-1{gap:.5rem}
.gap-2{gap:1rem}
.mt-1{margin-top:.5rem}
.mt-2{margin-top:1rem}
.mt-3{margin-top:1.5rem}
.mb-2{margin-bottom:1rem}
.mb-3{margin-bottom:1.5rem}
.p-2{padding:1rem}
.divider{height:1px;background:var(--white-border);margin:1.5rem 0}
.divider-text{display:flex;align-items:center;gap:1rem;color:var(--white-dim);font-size:.85rem;margin:1.5rem 0}
.divider-text::before,.divider-text::after{content:'';flex:1;height:1px;background:var(--white-border)}

/* ── ADMIN LAYOUT ── */
.admin-layout{display:grid;grid-template-columns:250px 1fr;min-height:100vh}
.admin-sidebar{background:var(--navy-2);border-right:1px solid var(--white-border);padding:1.5rem 0;position:sticky;top:0;height:100vh;overflow-y:auto}
.admin-main{padding:2rem;background:var(--navy)}
@media(max-width:768px){.admin-layout{grid-template-columns:1fr}.admin-sidebar{display:none}}
.sidebar-item{display:flex;align-items:center;gap:.75rem;padding:.7rem 1.25rem;color:var(--white-dim);cursor:pointer;transition:var(--t);font-size:.875rem;font-weight:600;border:none;background:transparent;width:100%;text-align:left;border-left:3px solid transparent}
.sidebar-item:hover{background:var(--white-faint);color:var(--white)}
.sidebar-item.active{background:rgba(0,71,255,.12);color:var(--blue-light);border-left-color:var(--blue)}
.sidebar-label{font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.25);padding:.9rem 1.25rem .4rem}
.tab-btn{padding:.45rem 1rem;border-radius:var(--r-sm);font-family:var(--font);font-size:.8rem;font-weight:600;cursor:pointer;border:1px solid var(--white-border);background:transparent;color:var(--white-dim);transition:var(--t)}
.tab-btn.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.tab-content{display:none}
.tab-content.active{display:block}

/* ── SECTION STYLES ── */
section{padding:4rem 0;position:relative;z-index:1}
.section-tag{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:var(--cyan);margin-bottom:.75rem}
.features-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem}
.feature-icon{width:46px;height:46px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:1.4rem;margin-bottom:1rem}
.fi-blue{background:rgba(0,71,255,.15)}
.fi-green{background:rgba(0,214,143,.15)}
.fi-gold{background:rgba(255,184,0,.15)}
.fi-cyan{background:rgba(0,200,255,.15)}
.trust-bar{background:rgba(255,255,255,.03);border:1px solid var(--white-border);border-radius:var(--r);padding:1.5rem 2rem;display:flex;justify-content:space-around;flex-wrap:wrap;gap:1rem;margin:3rem 0}
.trust-item{text-align:center}
.trust-num{font-family:var(--font2);font-size:2.2rem;font-weight:700;color:var(--white)}
.trust-desc{font-size:.78rem;color:var(--white-dim)}
footer{background:var(--navy-2);border-top:1px solid var(--white-border);padding:2.5rem 0;margin-top:4rem}
.footer-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem}
.footer-note{font-size:.8rem;color:var(--white-dim)}
.admin-badge{background:rgba(255,184,0,.1);border:1px solid rgba(255,184,0,.3);color:var(--gold);padding:.25rem .7rem;border-radius:100px;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em}

::-webkit-scrollbar{width:5px;height:5px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:rgba(255,255,255,.12);border-radius:3px}
::-webkit-scrollbar-thumb:hover{background:rgba(255,255,255,.2)}