/* ============================================================
   style.css  —  SwiftLend (v2, £ edition)
   Sections:
   1.  Reset & Variables
   2.  Typography helpers
   3.  Navigation (public)
   4.  Hero
   5.  Stats Strip
   6.  Calculator
   7.  Loan Cards
   8.  How It Works
   9.  CTA Band
   10. Footer
   11. Auth pages (signup / login)
   12. Dashboard layout (sidebar + main)
   13. Dashboard components
   14. Apply (multi-step form)
   15. Shared form utilities
   16. Responsive
============================================================ */


/* ── 1. RESET & VARIABLES ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --ink:      #0f1923;
  --slate:    #4a5568;
  --mist:     #eef2f7;
  --white:    #ffffff;
  --gold:     #c8922a;
  --gold-lt:  #f5e4c0;
  --green:    #1a6b4a;
  --green-lt: #d1fae5;
  --red:      #b91c1c;
  --red-lt:   #fee2e2;
  --blue:     #1e3a5f;
  --radius:   10px;
  --shadow:   0 4px 24px rgba(15,25,35,.10);
  --sidebar-w: 240px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--white);
  color: var(--ink);
  line-height: 1.6;
}

a { color: inherit; }


/* ── 2. TYPOGRAPHY HELPERS ── */
.section-label {
  font-size: .78rem; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold);
  font-weight: 600; margin-bottom: 8px;
}
.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  margin-bottom: 12px;
}
.section-sub {
  color: var(--slate); font-size: 1rem;
  max-width: 540px; margin-bottom: 48px;
}
.bg-mist { background: var(--mist); }


/* ── 3. NAVIGATION ── */
#main-nav {
  position: sticky; top: 0; z-index: 100;
  display: flex; align-items: center;
  justify-content: space-between;
  padding: 18px 6%;
  background: var(--white);
  border-bottom: 1px solid #e2e8f0;
}
.logo {
  font-family: 'DM Serif Display', serif;
  font-size: 1.5rem; color: var(--ink);
  text-decoration: none; letter-spacing: -.5px;
}
.logo span { color: var(--gold); }
.nav-links { display: flex; gap: 28px; list-style: none; }
.nav-links a {
  text-decoration: none; font-size: .9rem;
  font-weight: 500; color: var(--slate);
  transition: color .2s;
}
.nav-links a:hover { color: var(--gold); }
.nav-auth { display: flex; gap: 10px; align-items: center; }
.nav-user {
  font-size: .88rem; font-weight: 600;
  color: var(--ink);
}
.nav-cta {
  background: var(--gold); color: var(--white);
  border: none; padding: 10px 22px;
  border-radius: 6px; font-size: .9rem;
  font-weight: 600; cursor: pointer;
  transition: background .2s; text-decoration: none;
  display: inline-block;
}
.nav-cta:hover { background: #a77520; }
.nav-link-btn {
  background: none; border: none;
  color: var(--slate); font-size: .9rem;
  font-weight: 500; cursor: pointer;
  transition: color .2s; font-family: 'Inter', sans-serif;
}
.nav-link-btn:hover { color: var(--gold); }


/* ── 4. HERO ── */
.hero {
  display: flex; flex-direction: column;
  align-items: center; text-align: center;
  padding: 90px 6% 70px;
  background: linear-gradient(160deg, #0f1923 0%, #1e3a5f 100%);
  color: var(--white);
}
.hero-eyebrow {
  font-size: .8rem; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 16px; font-weight: 600;
}
.hero h1 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.4rem, 5vw, 4rem);
  line-height: 1.1; max-width: 680px; margin-bottom: 20px;
}
.hero h1 em { color: var(--gold); font-style: italic; }
.hero-sub {
  font-size: 1.05rem; color: #a0b4c8;
  max-width: 520px; margin-bottom: 36px;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }


/* ── BUTTONS ── */
.btn-primary {
  background: var(--gold); color: var(--white);
  border: none; padding: 13px 28px;
  border-radius: 8px; font-size: .95rem;
  font-weight: 600; cursor: pointer;
  transition: background .2s; font-family: 'Inter', sans-serif;
}
.btn-primary:hover { background: #a77520; }
.btn-primary:disabled { background: #aaa; cursor: not-allowed; }

.btn-outline {
  background: transparent; color: var(--white);
  border: 1.5px solid #4a7fa5; padding: 13px 28px;
  border-radius: 8px; font-size: .95rem;
  font-weight: 500; cursor: pointer;
  transition: border-color .2s, color .2s; font-family: 'Inter', sans-serif;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }

.btn-ghost {
  background: transparent; color: var(--slate);
  border: 1.5px solid #cbd5e0; padding: 13px 24px;
  border-radius: 8px; font-size: .95rem;
  font-weight: 500; cursor: pointer;
  transition: border-color .2s; font-family: 'Inter', sans-serif;
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }

.btn-sm {
  background: var(--gold-lt); color: var(--gold);
  border: none; padding: 8px 16px;
  border-radius: 6px; font-size: .82rem;
  font-weight: 600; cursor: pointer;
  transition: background .2s; font-family: 'Inter', sans-serif;
}
.btn-sm:hover { background: #e8c88a; }
.btn-sm-save { background: var(--green-lt); color: var(--green); }
.btn-sm-save:hover { background: #a7f3d0; }

.btn-outline-dark {
  width: 100%; background: transparent;
  color: var(--ink); border: 1.5px solid #cbd5e0;
  padding: 13px; border-radius: 8px;
  font-size: .95rem; font-weight: 500;
  cursor: pointer; transition: border-color .2s;
  font-family: 'Inter', sans-serif;
}
.btn-outline-dark:hover { border-color: var(--gold); color: var(--gold); }


/* ── 5. STATS STRIP ── */
.stats {
  display: flex; justify-content: center;
  flex-wrap: wrap; background: var(--gold);
}
.stat {
  padding: 22px 40px; text-align: center;
  color: var(--white);
  border-right: 1px solid rgba(255,255,255,.25);
}
.stat:last-child { border-right: none; }
.stat-num {
  font-family: 'DM Serif Display', serif;
  font-size: 2rem; display: block;
}
.stat-label { font-size: .8rem; opacity: .85; }


/* ── 6. CALCULATOR ── */
#calculator { padding: 80px 6%; }
.calc-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 40px; max-width: 920px;
}
.calc-form { display: flex; flex-direction: column; gap: 24px; }
.range-row {
  display: flex; justify-content: space-between;
  font-size: .78rem; color: var(--slate); margin-top: 4px;
}
input[type="range"] {
  width: 100%; accent-color: var(--gold);
  cursor: pointer; margin-top: 6px;
  padding: 0; border: none; background: none;
}
.calc-btn {
  background: var(--ink); color: var(--white);
  border: none; padding: 14px; border-radius: var(--radius);
  font-size: 1rem; font-weight: 600;
  cursor: pointer; transition: background .2s;
  font-family: 'Inter', sans-serif;
}
.calc-btn:hover { background: var(--blue); }

/* Result card */
.result-card {
  background: var(--white); border-radius: 14px;
  padding: 32px; box-shadow: var(--shadow);
  display: flex; flex-direction: column; gap: 16px;
}
.result-card h3 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.3rem;
}
.monthly-highlight {
  background: var(--ink); border-radius: 10px;
  padding: 20px 24px; display: flex;
  justify-content: space-between; align-items: center;
  color: var(--white);
}
.mh-label { font-size: .85rem; opacity: .7; }
.mh-amount {
  font-family: 'DM Serif Display', serif;
  font-size: 2rem; color: var(--gold);
}
.result-row {
  display: flex; justify-content: space-between;
  padding: 10px 0; border-bottom: 1px solid #eef2f7;
  font-size: .95rem;
}
.result-row:last-of-type { border-bottom: none; }
.result-row .lbl { color: var(--slate); }
.result-row .val { font-weight: 600; }
.eligibility-badge {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: .82rem; font-weight: 600;
  padding: 6px 14px; border-radius: 20px;
}
.eligible { background: var(--green-lt); color: var(--green); }
.ineligible { background: var(--red-lt); color: var(--red); }
.result-note { font-size: .78rem; color: var(--slate); }


/* ── 7. LOAN CARDS ── */
#loans { padding: 80px 6%; }
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px; margin-top: 40px;
}
.loan-card {
  border: 1.5px solid #e2e8f0; border-radius: 14px;
  padding: 28px 24px;
  transition: border-color .25s, box-shadow .25s;
}
.loan-card:hover { border-color: var(--gold); box-shadow: var(--shadow); }
.loan-icon {
  width: 44px; height: 44px; background: var(--gold-lt);
  border-radius: 10px; display: flex; align-items: center;
  justify-content: center; font-size: 1.4rem; margin-bottom: 16px;
}
.loan-card h4 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.2rem; margin-bottom: 6px;
}
.loan-card p { font-size: .88rem; color: var(--slate); }
.loan-rate { margin-top: 14px; font-size: .82rem; font-weight: 600; color: var(--gold); }


/* ── 8. HOW IT WORKS ── */
#how { padding: 80px 6%; background: var(--mist); }
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px; margin-top: 48px;
}
.step { text-align: center; }
.step-num {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--gold-lt); color: var(--gold);
  font-family: 'DM Serif Display', serif; font-size: 1.3rem;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px; border: 2px solid var(--gold);
}
.step h4 { font-family: 'DM Serif Display', serif; font-size: 1.1rem; margin-bottom: 8px; }
.step p { font-size: .88rem; color: var(--slate); }


/* ── 9. CTA BAND ── */
.cta-band {
  background: linear-gradient(135deg, #0f1923 0%, #1e3a5f 100%);
  color: var(--white); text-align: center;
  padding: 72px 6%;
}
.cta-band h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  margin-bottom: 12px;
}
.cta-band p { color: #a0b4c8; margin-bottom: 32px; }


/* ── 10. FOOTER ── */
footer {
  background: var(--ink); color: #a0b4c8;
  padding: 44px 6%; display: flex;
  justify-content: space-between; align-items: flex-start;
  flex-wrap: wrap; gap: 24px;
}
footer p { font-size: .82rem; line-height: 1.7; }
.footer-links {
  display: flex; gap: 20px; flex-wrap: wrap;
  align-items: center; margin-top: 4px;
}
.footer-links a {
  color: #a0b4c8; text-decoration: none;
  font-size: .82rem; transition: color .2s;
}
.footer-links a:hover { color: var(--gold); }


/* ── 11. AUTH PAGES ── */
.auth-page { background: var(--mist); min-height: 100vh; }

.auth-split {
  display: grid; grid-template-columns: 1fr 1fr;
  min-height: 100vh;
}

.auth-brand {
  background: linear-gradient(160deg, #0f1923 0%, #1e3a5f 100%);
  color: var(--white); padding: 48px 52px;
  display: flex; flex-direction: column;
}
.auth-brand-body { margin-top: 56px; }
.auth-brand h2 {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  line-height: 1.2;
}
.auth-perks {
  list-style: none; margin-top: 28px;
  display: flex; flex-direction: column; gap: 12px;
}
.auth-perks li { font-size: .95rem; color: #c8daea; }
.auth-testimonial {
  margin-top: 44px; padding: 20px 24px;
  background: rgba(255,255,255,.07);
  border-left: 3px solid var(--gold);
  border-radius: 0 8px 8px 0;
}
.auth-testimonial p { font-style: italic; color: #c8daea; font-size: .92rem; }
.auth-testimonial span { font-size: .78rem; color: var(--gold); margin-top: 6px; display: block; }

.auth-form-panel {
  display: flex; align-items: center;
  justify-content: center; padding: 48px 40px;
  background: var(--white);
}
.auth-form-box { width: 100%; max-width: 440px; }
.auth-form-box h1 {
  font-family: 'DM Serif Display', serif;
  font-size: 2rem; margin-bottom: 6px;
}
.auth-switch { font-size: .88rem; color: var(--slate); margin-bottom: 32px; }
.auth-switch a { color: var(--gold); text-decoration: none; font-weight: 600; }
.auth-switch a:hover { text-decoration: underline; }

.divider {
  display: flex; align-items: center;
  gap: 12px; margin: 24px 0; color: var(--slate);
  font-size: .82rem;
}
.divider::before, .divider::after {
  content: ''; flex: 1; height: 1px; background: #e2e8f0;
}


/* ── 12. DASHBOARD LAYOUT ── */
.dashboard-page {
  display: flex; min-height: 100vh;
  background: #f7f9fc;
}

.sidebar {
  width: var(--sidebar-w); min-height: 100vh;
  background: var(--ink); padding: 32px 20px;
  display: flex; flex-direction: column;
  position: sticky; top: 0; height: 100vh;
  overflow-y: auto;
}
.sidebar .logo { margin-bottom: 44px; font-size: 1.3rem; display: block; }
.sidebar-nav {
  display: flex; flex-direction: column;
  gap: 4px; flex: 1;
}
.snav-link {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 14px; border-radius: 8px;
  text-decoration: none; color: #a0b4c8;
  font-size: .88rem; font-weight: 500;
  transition: background .2s, color .2s;
}
.snav-link:hover { background: rgba(255,255,255,.08); color: var(--white); }
.snav-link.active { background: rgba(200,146,42,.15); color: var(--gold); }
.snav-icon { font-size: 1rem; }
.sidebar-logout {
  background: rgba(255,255,255,.05); color: #a0b4c8;
  border: 1px solid rgba(255,255,255,.1); padding: 10px;
  border-radius: 8px; cursor: pointer; font-size: .85rem;
  transition: background .2s; margin-top: 24px;
  font-family: 'Inter', sans-serif;
}
.sidebar-logout:hover { background: rgba(200,146,42,.15); color: var(--gold); }

.dash-main {
  flex: 1; padding: 40px 44px;
  overflow-y: auto;
}


/* ── 13. DASHBOARD COMPONENTS ── */
.dash-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; margin-bottom: 36px;
}
.dash-greeting {
  font-family: 'DM Serif Display', serif;
  font-size: 1.9rem;
}
.dash-date { color: var(--slate); font-size: .88rem; margin-top: 4px; }

.dash-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px; margin-bottom: 44px;
}
.dash-card {
  background: var(--white); border-radius: 12px;
  padding: 24px; box-shadow: 0 2px 12px rgba(15,25,35,.06);
  border-left: 3px solid var(--gold);
}
.dc-label { font-size: .78rem; color: var(--slate); font-weight: 600;
  text-transform: uppercase; letter-spacing: 1px; margin-bottom: 8px; }
.dc-value { font-family: 'DM Serif Display', serif; font-size: 1.7rem; }
.dc-sub { font-size: .78rem; color: var(--slate); margin-top: 4px; }
.dc-status { border-left-color: var(--green); }

.dash-section { margin-bottom: 52px; }
.dash-section-header {
  display: flex; justify-content: space-between;
  align-items: center; margin-bottom: 20px;
}
.dash-section h2 {
  font-family: 'DM Serif Display', serif;
  font-size: 1.4rem; margin-bottom: 20px;
}
.dash-section-header h2 { margin-bottom: 0; }

/* Loan row in dashboard */
.loan-row {
  background: var(--white); border-radius: 12px;
  padding: 20px 24px; margin-bottom: 12px;
  box-shadow: 0 2px 8px rgba(15,25,35,.05);
  display: flex; justify-content: space-between;
  align-items: center; flex-wrap: wrap; gap: 12px;
}
.lr-title { font-weight: 600; font-size: .95rem; }
.lr-detail { font-size: .82rem; color: var(--slate); margin-top: 2px; }
.lr-badge {
  padding: 4px 12px; border-radius: 20px;
  font-size: .78rem; font-weight: 600;
}
.badge-pending  { background: #fef3c7; color: #92400e; }
.badge-approved { background: var(--green-lt); color: var(--green); }
.badge-active   { background: #dbeafe; color: #1e40af; }
.badge-rejected { background: var(--red-lt); color: var(--red); }

/* Repayment table */
.repay-table {
  width: 100%; border-collapse: collapse;
  background: var(--white); border-radius: 12px;
  overflow: hidden; box-shadow: 0 2px 8px rgba(15,25,35,.05);
  font-size: .88rem;
}
.repay-table th {
  background: var(--mist); padding: 12px 16px;
  text-align: left; font-weight: 600; color: var(--slate);
  font-size: .78rem; text-transform: uppercase; letter-spacing: .5px;
}
.repay-table td { padding: 12px 16px; border-top: 1px solid #eef2f7; }
.repay-table tr:hover td { background: #fafbfc; }
.paid-row td { color: var(--slate); text-decoration: line-through; }

/* Profile grid */
.profile-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.profile-grid .field input {
  background: var(--mist);
}
.profile-grid .field input:not([readonly]) {
  background: var(--white);
}

/* Empty state */
.empty-state {
  text-align: center; padding: 48px 24px;
  color: var(--slate); background: var(--white);
  border-radius: 12px;
}
.empty-state .es-icon { font-size: 2.5rem; margin-bottom: 12px; }
.empty-state h4 { font-size: 1rem; font-weight: 600; margin-bottom: 6px; }
.empty-state p { font-size: .88rem; }


/* ── 14. APPLY (MULTI-STEP) ── */
.progress-bar-wrap {
  display: flex; align-items: center;
  margin-bottom: 36px; flex-wrap: wrap; gap: 4px;
}
.progress-step {
  display: flex; align-items: center; gap: 8px;
  font-size: .82rem; color: var(--slate); font-weight: 500;
}
.progress-step.active { color: var(--gold); }
.progress-step.done { color: var(--green); }
.ps-circle {
  width: 28px; height: 28px; border-radius: 50%;
  background: #e2e8f0; color: var(--slate);
  display: flex; align-items: center;
  justify-content: center; font-size: .78rem;
  font-weight: 700; transition: background .3s, color .3s;
}
.progress-step.active .ps-circle { background: var(--gold); color: var(--white); }
.progress-step.done .ps-circle { background: var(--green); color: var(--white); }
.progress-line { flex: 1; height: 2px; background: #e2e8f0; min-width: 24px; }

.apply-container { max-width: 640px; }
.apply-step { background: var(--white); border-radius: 14px;
  padding: 36px; box-shadow: var(--shadow); }
.apply-step.hidden { display: none; }
.step-heading {
  font-family: 'DM Serif Display', serif;
  font-size: 1.4rem; margin-bottom: 28px;
}
.step-btns { display: flex; gap: 12px; margin-top: 28px; justify-content: flex-end; }

/* Live loan preview */
.loan-preview {
  background: var(--mist); border-radius: 10px;
  padding: 20px 24px; margin-top: 8px;
  border-left: 3px solid var(--gold);
}
.loan-preview h4 {
  font-size: .82rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--gold); margin-bottom: 12px;
}
.lp-row {
  display: flex; justify-content: space-between;
  font-size: .9rem; padding: 6px 0;
  border-bottom: 1px solid #e2e8f0;
}
.lp-row:last-child { border-bottom: none; }

/* Review grid */
.review-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.review-item {
  background: var(--mist); border-radius: 8px; padding: 14px 16px;
}
.review-item .ri-label { font-size: .75rem; color: var(--slate);
  font-weight: 600; text-transform: uppercase; letter-spacing: .5px; }
.review-item .ri-value { font-size: .92rem; font-weight: 600; margin-top: 2px; }

/* Success box */
.success-box {
  text-align: center; padding: 20px;
}
.success-icon { font-size: 3.5rem; margin-bottom: 16px; }
.success-box h2 {
  font-family: 'DM Serif Display', serif;
  font-size: 2rem; margin-bottom: 12px;
}
.success-box p { color: var(--slate); font-size: .95rem; max-width: 440px; margin: 0 auto; }


/* ── 15. SHARED FORM UTILITIES ── */
.field { display: flex; flex-direction: column; margin-bottom: 0; }
.field label {
  font-size: .83rem; font-weight: 600;
  margin-bottom: 6px; color: var(--ink);
}
.field input,
.field select,
.field textarea {
  padding: 12px 14px;
  border: 1.5px solid #cbd5e0;
  border-radius: var(--radius);
  font-size: .95rem; font-family: 'Inter', sans-serif;
  color: var(--ink); background: var(--white);
  transition: border-color .2s;
  width: 100%;
}
.field input:focus,
.field select:focus,
.field textarea:focus { outline: none; border-color: var(--gold); }
.field input.error,
.field select.error { border-color: var(--red); }

.form-row.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.input-eye { position: relative; }
.input-eye input { padding-right: 44px; }
.eye-btn {
  position: absolute; right: 12px; top: 50%;
  transform: translateY(-50%);
  background: none; border: none; cursor: pointer;
  font-size: 1rem; opacity: .5;
  transition: opacity .2s;
}
.eye-btn:hover { opacity: 1; }

.password-strength {
  font-size: .75rem; font-weight: 600;
  margin-top: 6px; height: 16px;
}
.pw-weak   { color: var(--red); }
.pw-medium { color: #d97706; }
.pw-strong { color: var(--green); }

.checkbox-label {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .85rem; color: var(--slate); cursor: pointer;
  margin-bottom: 14px; line-height: 1.5;
}
.checkbox-label input[type="checkbox"] {
  width: 16px; height: 16px; margin-top: 2px;
  accent-color: var(--gold); cursor: pointer; flex-shrink: 0;
}
.checkbox-label a { color: var(--gold); text-decoration: none; }
.checkbox-label a:hover { text-decoration: underline; }

.submit-btn {
  width: 100%; padding: 14px;
  background: var(--gold); color: var(--white);
  border: none; border-radius: var(--radius);
  font-size: 1rem; font-weight: 700;
  cursor: pointer; transition: background .2s;
  font-family: 'Inter', sans-serif;
  margin-top: 8px;
}
.submit-btn:hover { background: #a77520; }
.submit-btn:disabled { background: #aaa; cursor: not-allowed; }

.form-note {
  font-size: .78rem; color: var(--slate);
  text-align: center; margin-top: 12px;
}
.form-error {
  background: var(--red-lt); color: var(--red);
  border-radius: 8px; padding: 12px 16px;
  font-size: .88rem; font-weight: 500;
  margin-bottom: 16px;
  border: 1px solid #fca5a5;
}

/* Fields stacked in auth box */
.auth-form-box .field { margin-bottom: 16px; }

/* ── NEW: FORM ENHANCEMENTS ── */

/* Section dividers */
.section-divider {
  margin-top: 28px; margin-bottom: 20px; padding-bottom: 12px;
  border-bottom: 2px solid var(--mist);
}
.section-divider:first-child { margin-top: 0; }
.section-title {
  font-size: .85rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  color: var(--gold); margin: 0;
}

/* Required field indicator */
.required {
  color: var(--red); font-weight: 700;
}

/* Field hints */
.field-hint {
  font-size: .75rem; color: var(--slate);
  margin-top: 4px; display: block; font-weight: 400;
}

/* Info box */
.info-box {
  background: var(--green-lt); border-left: 3px solid var(--green);
  border-radius: 8px; padding: 14px 16px;
  font-size: .88rem; margin-top: 12px; margin-bottom: 20px;
}
.info-box strong { color: var(--green); font-weight: 600; }
.info-box small {
  display: block; color: var(--slate); font-size: .75rem;
  margin-top: 4px;
}

/* Input with prefix (for currency) */
.input-with-icon {
  position: relative;
  display: flex; align-items: center;
}
.input-prefix {
  position: absolute; left: 14px;
  font-weight: 600; color: var(--slate);
  pointer-events: none; font-size: .95rem;
}
.input-with-icon input {
  padding-left: 32px !important;
}

/* Review section styling */
.review-intro {
  background: var(--mist); border-radius: 10px;
  padding: 16px 20px; margin-bottom: 24px;
  border-left: 3px solid var(--gold);
}
.review-intro p {
  font-size: .9rem; color: var(--slate);
  margin: 0 0 8px 0;
}
.review-intro p:last-child { margin-bottom: 0; }

.review-sections {
  display: flex; flex-direction: column; gap: 24px;
}

.review-section {
  background: #f9fafb; border-radius: 10px;
  padding: 20px; border: 1px solid #e2e8f0;
}

.review-section-title {
  font-size: .88rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .5px;
  color: var(--ink); margin: 0 0 16px 0;
}

/* Override review grid for sections */
.review-section .review-grid {
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

/* ── NEW: LOAN CARDS & WITHDRAWAL ── */

/* Empty state */
.empty-state {
  text-align: center; padding: 40px 20px;
  background: var(--mist); border-radius: 10px;
}
.empty-state p {
  color: var(--slate); font-size: .95rem;
  margin: 0;
}

/* Loan status groups */
.loan-status-group {
  margin-bottom: 32px;
}
.loan-status-group:last-child { margin-bottom: 0; }

.loan-status-title {
  font-size: .88rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  margin: 0 0 16px 0; padding: 0;
}
.pending-title { color: #d97706; }
.approved-title { color: var(--green); }
.rejected-title { color: var(--red); }

/* Loan card */
.loan-card {
  background: var(--white); border: 1px solid #e2e8f0;
  border-radius: 10px; padding: 20px; margin-bottom: 16px;
  box-shadow: 0 2px 8px rgba(15,25,35,.05);
  transition: box-shadow .2s;
}
.loan-card:hover { box-shadow: 0 4px 16px rgba(15,25,35,.08); }

.loan-card-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; margin-bottom: 16px;
  padding-bottom: 12px; border-bottom: 1px solid #e2e8f0;
}
.loan-card-header h4 {
  font-size: .95rem; font-weight: 600;
  margin: 0 0 4px 0;
}
.loan-card-ref {
  font-size: .75rem; color: var(--slate);
  margin: 0;
}

.status-badge {
  display: inline-block; padding: 6px 12px;
  border-radius: 6px; font-size: .75rem;
  font-weight: 600; text-transform: uppercase;
  letter-spacing: .5px;
}
.status-badge.pending {
  background: #fef08a; color: #92400e;
}
.status-badge.approved {
  background: var(--green-lt); color: var(--green);
}
.status-badge.rejected {
  background: var(--red-lt); color: var(--red);
}
.status-badge.withdrawn {
  background: #d1d5db; color: #374151;
}

.loan-card-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 16px; margin-bottom: 16px;
}
.loan-detail {
  display: flex; flex-direction: column;
}
.loan-detail-label {
  font-size: .75rem; color: var(--slate);
  font-weight: 600; text-transform: uppercase;
  letter-spacing: .5px; margin-bottom: 4px;
}
.loan-detail-value {
  font-size: .92rem; font-weight: 600;
  color: var(--ink);
}

.loan-card-footer {
  display: flex; gap: 10px;
  justify-content: flex-end;
}

/* Withdrawal container */
.withdrawal-container {
  display: grid; gap: 24px;
}

.withdrawal-card {
  background: #f9fafb; border: 1.5px solid #e2e8f0;
  border-radius: 10px; padding: 24px;
}
.withdrawal-card h3 {
  font-size: .95rem; margin: 0 0 8px 0;
}
.withdrawal-amount {
  font-size: .85rem; color: var(--slate);
  margin: 0 0 20px 0;
}

.withdrawal-tabs {
  display: flex; gap: 4px; margin-bottom: 20px;
  border-bottom: 2px solid #e2e8f0;
}
.withdrawal-tab {
  flex: 1; padding: 12px 16px;
  background: none; border: none;
  color: var(--slate); font-size: .85rem;
  font-weight: 600; cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all .2s; margin-bottom: -2px;
}
.withdrawal-tab:hover { color: var(--gold); }
.withdrawal-tab.active {
  color: var(--gold); border-bottom-color: var(--gold);
}

.withdrawal-content {
  display: none;
}
.withdrawal-content.active { display: block; }

.withdrawal-content .field {
  margin-bottom: 16px;
}
.withdrawal-select,
.withdrawal-input {
  width: 100%; padding: 12px 14px;
  border: 1.5px solid #cbd5e0;
  border-radius: var(--radius);
  font-size: .95rem; font-family: 'Inter', sans-serif;
  color: var(--ink); background: var(--white);
  transition: border-color .2s;
}
.withdrawal-select:focus,
.withdrawal-input:focus {
  outline: none; border-color: var(--gold);
}

/* ── WITHDRAWAL PAGE STYLES ── */

/* Withdrawal request form container */
.withdrawal-request-form-container {
  display: grid; grid-template-columns: 1fr;
  gap: 24px;
}

.withdrawal-form-card {
  background: #f9fafb; border: 1.5px solid #e2e8f0;
  border-radius: 10px; padding: 24px;
}
.withdrawal-form-card h3 {
  font-size: .95rem; margin: 0 0 16px 0;
}

.withdrawal-form-info {
  background: var(--white); border-radius: 8px;
  padding: 12px; margin-bottom: 20px;
}
.info-row {
  display: flex; justify-content: space-between;
  font-size: .85rem; padding: 8px 0;
  border-bottom: 1px solid #e2e8f0;
}
.info-row:last-child { border-bottom: none; }
.info-row strong { color: var(--gold); }

.withdrawal-tabs-container {
  margin-top: 20px;
}
.withdrawal-tabs {
  display: flex; gap: 4px;
  border-bottom: 2px solid #e2e8f0; margin-bottom: 20px;
}
.withdrawal-tab {
  flex: 1; padding: 12px 16px;
  background: none; border: none;
  color: var(--slate); font-size: .85rem;
  font-weight: 600; cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px; transition: all .2s;
}
.withdrawal-tab:hover { color: var(--gold); }
.withdrawal-tab.active {
  color: var(--gold); border-bottom-color: var(--gold);
}

.withdrawal-tab-content {
  display: none;
}
.withdrawal-tab-content.active { display: block; }

.withdrawal-tab-content form {
  display: flex; flex-direction: column; gap: 16px;
}

/* Withdrawal history */
.withdrawal-history-table {
  display: grid; gap: 12px;
}
.withdrawal-history-item {
  background: var(--white); border: 1px solid #e2e8f0;
  border-radius: 8px; padding: 16px;
}
.whi-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; margin-bottom: 12px;
  padding-bottom: 12px; border-bottom: 1px solid #e2e8f0;
}
.whi-header h4 {
  font-size: .92rem; margin: 0 0 4px 0;
}
.whi-ref {
  font-size: .75rem; color: var(--slate);
  margin: 0;
}
.whi-amount {
  font-size: 1rem; font-weight: 700;
  color: var(--green);
}
.whi-details {
  display: flex; gap: 16px; font-size: .85rem;
  align-items: center;
}

/* Pending withdrawals */
.pending-withdrawals-container {
  display: grid; gap: 12px;
}
.pending-withdrawal-card {
  background: var(--white); border: 1.5px solid #fef08a;
  border-left: 4px solid #d97706;
  border-radius: 8px; padding: 16px;
}
.pwc-header {
  display: flex; justify-content: space-between;
  align-items: flex-start; margin-bottom: 12px;
  padding-bottom: 12px; border-bottom: 1px solid #e2e8f0;
}
.pwc-header h4 {
  font-size: .92rem; margin: 0 0 4px 0;
}
.pwc-ref {
  font-size: .75rem; color: var(--slate);
  margin: 0;
}
.pwc-details {
  margin-bottom: 12px; font-size: .85rem;
}
.pwc-row {
  display: flex; justify-content: space-between;
  padding: 6px 0;
}
.pwc-row strong { color: var(--ink); }

.status-badge.pending {
  background: #fef08a; color: #92400e;
}

/* ── ADMIN QUICK APPROVAL WIDGET ── */

.admin-quick-approval-widget {
  background: linear-gradient(135deg, #0f1923 0%, #1e3a5f 100%);
  color: white; border-radius: 10px; padding: 24px;
  margin-bottom: 32px; box-shadow: 0 4px 24px rgba(15,25,35,.15);
}

.aqaw-header {
  display: flex; justify-content: space-between;
  align-items: center; margin-bottom: 20px;
}

.aqaw-header h2 {
  margin: 0; font-size: 1.2rem; font-weight: 700;
}

.aqaw-count {
  background: var(--gold); color: var(--ink);
  padding: 8px 14px; border-radius: 20px;
  font-weight: 700; font-size: .85rem;
}

#quick-approval-items {
  display: grid; gap: 12px;
}

.aqaw-item {
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  border-radius: 8px; padding: 16px;
  display: grid; grid-template-columns: 1fr auto;
  gap: 16px; align-items: center;
}

.aqaw-item-content {
  display: flex; flex-direction: column; gap: 6px;
}

.aqaw-item-title {
  font-size: .95rem; font-weight: 600;
}

.aqaw-item-meta {
  font-size: .8rem; opacity: 0.85;
  display: flex; gap: 16px;
}

.aqaw-item-meta span {
  display: flex; align-items: center; gap: 4px;
}

.aqaw-item-actions {
  display: flex; gap: 8px;
}

.aqaw-btn {
  padding: 8px 14px; border: none;
  border-radius: 6px; font-size: .8rem;
  font-weight: 600; cursor: pointer;
  transition: all .2s; border: 1px solid transparent;
}

.aqaw-btn-approve {
  background: var(--green); color: white;
}
.aqaw-btn-approve:hover { background: #059669; }

.aqaw-btn-reject {
  background: var(--red); color: white;
}
.aqaw-btn-reject:hover { background: #991b1b; }

.aqaw-empty {
  text-align: center; padding: 20px;
  opacity: 0.7;
}

/* Responsive withdrawal */
@media (max-width: 640px) {
  .withdrawal-form-info .info-row {
    flex-direction: column; gap: 4px;
  }
  
  .aqaw-item {
    grid-template-columns: 1fr;
  }
  
  .aqaw-item-actions {
    justify-content: flex-start;
  }
}

/* ── 16. RESPONSIVE ── */
@media (max-width: 900px) {
  .auth-split { grid-template-columns: 1fr; }
  .auth-brand { display: none; }
  .auth-form-panel { padding: 40px 24px; }

  .calc-grid { grid-template-columns: 1fr; }

  .sidebar { display: none; }
  .dash-main { padding: 24px 20px; }
  .profile-grid { grid-template-columns: 1fr; }
  .review-grid { grid-template-columns: 1fr; }
  .form-row.two-col { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .nav-links { display: none; }
  .stat { padding: 16px 18px; }
  .dash-header { flex-direction: column; gap: 16px; }
  footer { flex-direction: column; }
}