/* Variables */
:root{
  --bg:#f4f6f9;
  --primary:#0d6efd;
  --muted:#6c757d;
  --success:#28a745;
  --danger:#dc3545;
  --card:#ffffff;
  --glass: rgba(255,255,255,0.6);
}

/* RESET */
*{box-sizing:border-box;margin:0;padding:0;font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif}
body{background:var(--bg);color:#222;}

/* NAVBAR */
.navbar{background:linear-gradient(90deg,var(--primary),#0069d9);color:#fff;padding:14px 20px;display:flex;justify-content:space-between;align-items:center}
.navbar{position:relative}
.navbar h1{font-size:18px}
.nav-links{display:flex;gap:16px;align-items:center}
.nav-link{color:#fff;text-decoration:none;font-weight:600;font-size:14px;opacity:0.9}
.nav-link:hover{opacity:1;text-decoration:underline}
.nav-actions{display:flex;gap:10px;align-items:center}
.badge{background:rgba(255,255,255,0.12);padding:6px 10px;border-radius:20px;font-weight:600}
.btn-ghost{background:transparent;border:1px solid rgba(255,255,255,0.18);color:#fff;padding:6px 10px;border-radius:6px;cursor:pointer}
.nav-toggle{display:none;background:rgba(255,255,255,0.16);border:1px solid rgba(255,255,255,0.25);color:#fff;padding:6px 10px;border-radius:6px;cursor:pointer}
.icon-btn{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,0.12);border:1px solid rgba(255,255,255,0.2);color:#fff;padding:6px 10px;border-radius:6px}
.notification-count{min-width:22px;height:22px;border-radius:999px;background:#fff;color:var(--primary);display:inline-flex;align-items:center;justify-content:center;font-size:12px;font-weight:700}

/* CONTAINER */
.container{max-width:1100px;margin:20px auto;padding:0 16px}

/* OVERVIEW / STATS */
.overview{display:flex;gap:14px;margin-bottom:16px}
.stats-card{flex:1;background:var(--card);padding:16px;border-radius:8px;box-shadow:0 6px 18px rgba(16,24,40,0.06);}
.stats-card h4{color:var(--muted);font-weight:600;margin-bottom:6px}
.stats-card p{font-size:20px;font-weight:700}

/* CONTROLS */
.controls{display:flex;gap:10px;align-items:center;margin-bottom:12px}
.controls input{flex:1;padding:8px;border:1px solid #e6e9ef;border-radius:6px}
.controls button{padding:8px 12px;border-radius:6px}

/* CARDS */
.card{background:var(--card);padding:16px;border-radius:8px;box-shadow:0 6px 18px rgba(16,24,40,0.06);margin-bottom:16px}
.form-inline{display:flex;gap:10px}
.form-inline input{flex:1}
.form-inline button{white-space:nowrap}
.helper{color:var(--muted);margin-top:8px;font-size:14px}
.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:12px}
.dashboard-grid{display:grid;gap:16px;margin-bottom:16px}
.dashboard-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.dashboard-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.mini-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.mini-stat{padding:12px;border:1px solid #e8edf5;border-radius:8px;background:#fbfdff}
.mini-label{display:block;color:var(--muted);font-size:13px;margin-bottom:6px}
.stack-list{display:grid;gap:10px}
.stack-item{padding:12px;border:1px solid #e8edf5;border-radius:8px;background:#fbfdff}
.stack-item strong{display:block;margin-bottom:4px}
.tracker{display:flex;gap:6px;flex-wrap:wrap}
.tracker-step{padding:6px 8px;border-radius:6px;font-size:12px;background:#eef2f7;color:#64748b;font-weight:600;text-transform:capitalize}
.tracker-step.active{background:#dbeafe;color:#1d4ed8}
.tracker-step.done{background:#dcfce7;color:#166534}
.score-badge{padding:6px 10px;border-radius:999px;background:#eff6ff;color:#1d4ed8;font-size:12px;font-weight:700}
.credit-score-row{display:flex;align-items:center;gap:16px}
.score-circle{width:88px;height:88px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,#dbeafe,#eff6ff);color:#1d4ed8;font-size:28px;font-weight:800}
.score-message{font-size:16px;font-weight:700}
.calculator-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.calculator-grid label{display:flex;flex-direction:column;gap:6px;font-weight:600}
.calculator-grid input{padding:10px;border:1px solid #e6e9ef;border-radius:6px}
.calculator-results strong{font-size:18px}
.document-form{display:grid;grid-template-columns:1.1fr 1.2fr auto;gap:10px;margin-bottom:14px}
.document-form select,.document-form input{padding:10px;border:1px solid #e6e9ef;border-radius:6px;background:#fff}
.chart-track{height:12px;border-radius:999px;background:#eef2ff;overflow:hidden}
.chart-fill{height:100%;border-radius:999px;width:0}
.chart-fill-primary{background:#2563eb}
.chart-fill-success{background:#16a34a}
.chart-fill-warning{background:#f59e0b}
textarea{width:100%;padding:10px;border:1px solid #e6e9ef;border-radius:6px;resize:vertical}

/* TABLE */
.table-wrap{overflow:auto}
table{width:100%;border-collapse:collapse;margin-top:10px}
th,td{padding:10px;border-bottom:1px solid #f1f3f6;text-align:left}
th{background:linear-gradient(90deg,var(--primary),#0069d9);color:#fff;position:sticky;top:0}
.status-approved{color:var(--success);font-weight:700}
.status-pending{color:#ff9800;font-weight:700}
.status-rejected{color:var(--danger);font-weight:700}

/* BUTTONS */
button{cursor:pointer;border:none}
.btn-primary{background:var(--primary);color:#fff;padding:8px 12px;border-radius:6px}
.btn-success{background:var(--success);color:#fff;padding:8px 12px;border-radius:6px}
.btn-danger{background:var(--danger);color:#fff;padding:8px 12px;border-radius:6px}

/* MODAL */
.modal{position:fixed;inset:0;background:rgba(2,6,23,0.45);display:none;align-items:center;justify-content:center;padding:20px}
.modal[aria-hidden="false"]{display:flex}
.modal-content{background:var(--card);padding:18px;border-radius:8px;max-width:420px;width:100%;box-shadow:0 10px 30px rgba(2,6,23,0.2)}
.modal-actions{display:flex;gap:10px;justify-content:flex-end;margin-top:12px}

/* RESPONSIVE */
@media(max-width:800px){
  .overview{flex-direction:column}
  .form-inline{flex-direction:column}
  .controls{flex-direction:column;align-items:stretch}
  .nav-links{
    display:flex;
    position:absolute;
    top:100%;
    left:0;
    right:0;
    flex-direction:column;
    gap:10px;
    padding:0 16px;
    background:linear-gradient(90deg,var(--primary),#0069d9);
    border-bottom:1px solid rgba(255,255,255,0.15);
    z-index: 50;
    max-height:0;
    opacity:0;
    overflow:hidden;
    pointer-events:none;
    transform: translateY(-6px);
    transition: max-height 0.25s ease, opacity 0.2s ease, transform 0.2s ease, padding 0.2s ease;
  }
  .nav-links.open{
    max-height:240px;
    opacity:1;
    pointer-events:auto;
    transform: translateY(0);
    padding:12px 16px;
  }
  .nav-actions{gap:6px}
  .card{padding:14px}
  .dashboard-grid-2,
  .dashboard-grid-3,
  .calculator-grid,
  .mini-grid,
  .document-form{grid-template-columns:1fr}
  .credit-score-row{align-items:flex-start;flex-direction:column}
}

/* TOAST */
.toast{position:fixed;right:20px;bottom:20px;background:#111;color:#fff;padding:10px 14px;border-radius:8px;box-shadow:0 6px 18px rgba(0,0,0,0.2);display:none}
.toast.show{display:block}

/* MOBILE ENHANCEMENTS: collapse table into cards and optimize spacing for small devices */
@media (max-width: 600px) {
  .container{padding:12px}
  .navbar h1{font-size:16px}
  .badge{padding:6px 8px;font-size:13px}
  .btn-ghost, .btn-primary, .btn-success, .btn-danger{padding:10px 12px;font-size:15px}
  .icon-btn{justify-content:center}

  /* stack overview cards */
  .overview{flex-direction:column;gap:10px}
  .stats-card{padding:12px}

  /* controls stack */
  .controls{flex-direction:column;align-items:stretch}
  .controls input{width:100%}

  /* keep tables horizontal on mobile, shrink spacing to fit */
  .table-wrap{overflow-x:auto}
  .table-wrap table{display:table;min-width:100%}
  .table-wrap thead{display:table-header-group}
  .table-wrap tbody{display:table-row-group}
  .table-wrap tr{display:table-row}
  .table-wrap th, .table-wrap td{
    display:table-cell;
    padding:6px 8px;
    font-size:12px;
    white-space:nowrap;
  }
  .table-wrap td.actions{display:table-cell}
  .tracker{min-width:180px}

  /* Make forms and modal buttons full width */
  .form-inline{gap:8px}
  .form-inline input, .form-inline button{width:100%}
  .form-inline input[type="number"]{
    -moz-appearance: textfield;
    appearance: textfield;
  }
  .form-inline input[type="number"]::-webkit-outer-spin-button,
  .form-inline input[type="number"]::-webkit-inner-spin-button{
    -webkit-appearance: none;
    margin: 0;
  }
  .modal-content{width:100%;max-width:560px;margin:0 8px}
  .modal-actions{flex-direction:column;align-items:stretch}
  .modal-actions button{width:100%}

  /* compact table on small screens */
  th, td{font-size:12px}
}

/* VERY SMALL DEVICES */
@media (max-width: 380px){
  .navbar{padding:10px}
  .navbar h1{font-size:15px}
  .stats-card p{font-size:18px}
  .badge{font-size:12px;padding:6px}
}

/* Tablet landscape tweaks */
@media (min-width:601px) and (max-width:900px){
  .container{max-width:900px}
  .overview{gap:12px}
  .table-wrap th, .table-wrap td{padding:8px}
}

/* ensure modals occupy comfortable space on mobile when opened */
@media (max-height:600px){
  .modal-content{max-height:86vh;overflow:auto}
}

/* small helpers */
.center{display:flex;align-items:center;justify-content:center}
.mono{font-family:monospace}

/* =========================
   DASHBOARD LAYOUT UPGRADE
========================= */

.dashboard{
  display: flex;
  min-height: 100vh;
}

/* SIDEBAR */
.sidebar{
  width: 220px;
  background: #111827;
  color: #fff;
  padding: 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.sidebar h2{
  font-size: 20px;
  margin-bottom: 20px;
}

.sidebar ul{
  list-style: none;
  padding: 0;
}

.sidebar li{
  padding: 12px;
  border-radius: 8px;
  cursor: pointer;
  transition: 0.2s;
}

.sidebar a{
  color: inherit;
  text-decoration: none;
  display: block;
  width: 100%;
}

.sidebar .mobile-only{
  display: none;
}

.sidebar li:hover,
.sidebar .active{
  background: #2563eb;
}

/* MAIN CONTENT SHIFT */
.main{
  flex: 1;
  display: flex;
  flex-direction: column;
}

/* IMPROVE NAVBAR */
.main .navbar{
  border-radius: 0;
  box-shadow: 0 4px 12px rgba(0,0,0,0.08);
}

/* CARDS IMPROVEMENT */
.card{
  transition: 0.2s;
}

.card:hover{
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(0,0,0,0.08);
}

/* BUTTON IMPROVEMENTS */
.btn-primary:hover{
  background: #0b5ed7;
}

.btn-success:hover{
  background: #218838;
}

.btn-danger:hover{
  background: #c82333;
}

/* TABLE ENHANCEMENT */
table tr:hover{
  background: #f9fbff;
}

/* SCROLLBAR (optional nice touch) */
::-webkit-scrollbar{
  width: 8px;
}
::-webkit-scrollbar-thumb{
  background: #ccc;
  border-radius: 10px;
}

/* =========================
   RESPONSIVE SIDEBAR
========================= */

@media(max-width:900px){
  .sidebar{
    width: 180px;
  }
}

@media(max-width:700px){
  .dashboard{
    flex-direction: column;
  }

  .sidebar{
    position: fixed;
    top: 0;
    left: 0;
    height: 100vh;
    width: 240px;
    transform: translateX(-100%);
    transition: transform 0.25s ease;
    z-index: 1000;
  }

  .sidebar.open{
    transform: translateX(0);
  }

  .sidebar ul{
    display: block;
    gap: 0;
  }

  .sidebar li{
    padding: 10px 12px;
  }

  .nav-toggle{
    display: inline-flex;
    align-items: center;
    gap: 6px;
  }

  /* show nav links only when opened via toggle */
  .navbar .nav-links{ display: none; }
  .navbar .nav-links.open{
    display: flex;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    gap: 10px;
    padding: 12px 16px;
    background: linear-gradient(90deg, var(--primary), #0069d9);
    border-bottom: 1px solid rgba(255,255,255,0.15);
    z-index: 50;
  }

  .sidebar .mobile-only{
    display: block;
  }

  .main{
    width: 100%;
  }
}

/* Sidebar backdrop for mobile */
.sidebar-backdrop{
  position: fixed;
  inset: 0;
  background: rgba(2,6,23,0.45);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.2s ease;
  z-index: 900;
}
.sidebar-backdrop.show{
  opacity: 1;
  pointer-events: auto;
}

/* LOGIN PAGE POLISH */
body .container{
  display: block;
}
@media (max-width:600px){
  body .container{
    max-width: 520px;
    margin: 16px auto;
    padding: 16px;
  }
  #loginForm{
    display: grid;
    gap: 10px;
  }
  #loginForm input, #loginForm button{
    width: 100%;
  }
}

/* REGISTRATION PAGE */
.auth-container{
  max-width: 720px;
  margin: 28px auto;
}
.welcome-banner{
  background: linear-gradient(135deg, #0d6efd 0%, #1d4ed8 55%, #0ea5e9 100%);
  border-radius: 12px;
  padding: 18px 20px;
  color: #fff;
  box-shadow: 0 12px 30px rgba(13, 110, 253, 0.25);
  margin-bottom: 16px;
  position: relative;
  overflow: hidden;
}
.welcome-banner:before{
  content: "";
  position: absolute;
  inset: -40% 20% auto -10%;
  height: 140%;
  background: radial-gradient(circle, rgba(255,255,255,0.22) 0%, rgba(255,255,255,0) 60%);
  opacity: 0.9;
}
.welcome-text{
  position: relative;
  z-index: 1;
}
.welcome-banner h1{
  font-size: 22px;
  letter-spacing: 0.2px;
  margin-bottom: 6px;
}
.welcome-banner p{
  font-size: 14px;
  opacity: 0.9;
}
.auth-card h1{
  margin-bottom: 4px;
}
.auth-card .helper{
  margin-bottom: 12px;
}
.form-grid{
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 12px 0;
}
.form-grid label{
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-weight: 600;
  color: #111827;
}
.form-grid input{
  padding: 10px;
  border: 1px solid #e6e9ef;
  border-radius: 6px;
}
.form-grid select{
  padding: 10px;
  border: 1px solid #e6e9ef;
  border-radius: 6px;
  background: #fff;
}
.upload{
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-weight: 600;
  color: #111827;
  margin-bottom: 14px;
}
.upload input[type="file"]{
  padding: 8px;
  border: 1px dashed #cbd5f5;
  border-radius: 6px;
  background: #fff;
}
.auth-links{
  margin-top: 10px;
  font-size: 14px;
}

@media (max-width: 700px){
  .form-grid{
    grid-template-columns: 1fr;
  }
  .welcome-banner{
    padding: 16px;
  }
  .welcome-banner h1{
    font-size: 20px;
  }
}

/* =========================
   ADMIN ENHANCEMENTS
========================= */

/* Make admin stats feel stronger */
.loans-card h3 {
  font-weight: 700;
  margin-bottom: 10px;
}

/* NRC thumbnail in admin users table */
.nrc-thumb{
  width: 48px;
  height: 48px;
  object-fit: cover;
  border-radius: 6px;
  border: 1px solid #e5e7eb;
  display: inline-block;
}

/* Highlight admin table actions */
td button {
  margin-right: 5px;
}

/* Make approve button stand out */
.btn-primary {
  box-shadow: 0 4px 10px rgba(13, 110, 253, 0.2);
}

/* Danger button stronger */
.btn-danger {
  box-shadow: 0 4px 10px rgba(220, 53, 69, 0.2);
}

/* Success button stronger */
.btn-success {
  box-shadow: 0 4px 10px rgba(40, 167, 69, 0.2);
}

/* Status colors more visible */
.status-approved {
  color: #16a34a;
}

.status-pending {
  color: #f59e0b;
}

.status-rejected {
  color: #dc2626;
}

.status-paid {
  color: #2563eb;
}

/* Table row hover (important for admin UX) */
table tr:hover {
  background: #eef3ff;
  transition: 0.2s;
}

/* Better spacing for controls */
.controls {
  justify-content: space-between;
}

/* Improve search input */
.controls input {
  max-width: 400px;
}

/* Make export button pop */
#exportCsv {
  font-weight: 600;
}

/* =========================
   PUBLIC HOME PAGE
========================= */

.home-page{
  background:#ffffff;
  color:#0f172a;
}

.site-header{
  position:sticky;
  top:0;
  z-index:100;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  padding:14px 6%;
  background:rgba(255,255,255,0.96);
  border-bottom:1px solid #e2e8f0;
  box-shadow:0 10px 30px rgba(15,23,42,0.06);
  backdrop-filter:blur(12px);
}

.menu-toggle{
  display:none;
  width:42px;
  height:42px;
  align-items:center;
  justify-content:center;
  flex-direction:column;
  gap:5px;
  border:1px solid #dbeafe;
  border-radius:8px;
  background:#ffffff;
  box-shadow:0 6px 18px rgba(13,110,253,0.1);
}

.menu-toggle span{
  width:18px;
  height:2px;
  border-radius:999px;
  background:#0b2545;
}

.brand{
  display:inline-flex;
  align-items:center;
  gap:10px;
  color:#0f172a;
  text-decoration:none;
  font-weight:800;
}

.brand-mark{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:40px;
  height:40px;
  border-radius:8px;
  background:linear-gradient(135deg,#0d6efd,#16a34a);
  color:#fff;
  font-size:14px;
  letter-spacing:0;
}

.site-nav{
  display:flex;
  align-items:center;
  gap:18px;
  flex-wrap:wrap;
}

.site-nav a,
.site-footer a{
  color:#1e293b;
  text-decoration:none;
  font-weight:700;
  font-size:14px;
}

.site-nav a:hover,
.site-footer a:hover{
  color:#0d6efd;
}

.site-nav .nav-login{
  color:#fff;
  background:#16a34a;
  padding:9px 14px;
  border-radius:6px;
}

.site-nav .nav-login:hover{
  color:#fff;
  background:#15803d;
}

.site-nav .active-link{
  color:#0d6efd;
}

.site-nav .nav-login.active-link{
  color:#ffffff;
}

.hero-section{
  position:relative;
  min-height:calc(100vh - 68px);
  display:flex;
  align-items:center;
  padding:7vh 6%;
  overflow:hidden;
}

.hero-media{
  position:absolute;
  inset:0;
  background-image:url("static/loan-express-hero.png");
  background-size:cover;
  background-position:center right;
  transform:scale(1.01);
}

.hero-overlay{
  position:absolute;
  inset:0;
  background:
    linear-gradient(90deg,rgba(255,255,255,0.98) 0%,rgba(255,255,255,0.92) 36%,rgba(255,255,255,0.56) 62%,rgba(255,255,255,0.14) 100%),
    linear-gradient(180deg,rgba(13,110,253,0.08),rgba(22,163,74,0.08));
}

.hero-content{
  position:relative;
  max-width:620px;
}

.eyebrow{
  color:#16a34a;
  font-size:13px;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:0;
  margin-bottom:10px;
}

.hero-content h1{
  font-size:clamp(42px,7vw,82px);
  line-height:0.98;
  letter-spacing:0;
  color:#0b2545;
  margin-bottom:18px;
}

.hero-content p{
  max-width:560px;
  color:#334155;
  font-size:19px;
  line-height:1.65;
}

.hero-actions{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin-top:28px;
}

.home-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:46px;
  padding:12px 18px;
  border-radius:6px;
  text-decoration:none;
  font-weight:800;
}

.btn-secondary{
  color:#0d6efd;
  background:#ffffff;
  border:1px solid #bfdbfe;
  box-shadow:0 6px 18px rgba(13,110,253,0.12);
}

.btn-secondary:hover{
  background:#eff6ff;
}

.trust-strip{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:1px;
  background:#dbeafe;
  border-top:1px solid #dbeafe;
  border-bottom:1px solid #dbeafe;
}

.trust-strip div{
  min-height:104px;
  display:flex;
  flex-direction:column;
  justify-content:center;
  padding:24px 6%;
  background:#ffffff;
}

.trust-strip strong{
  color:#0d6efd;
  font-size:28px;
  line-height:1;
}

.trust-strip span{
  color:#475569;
  font-weight:700;
  margin-top:8px;
}

.home-section{
  padding:72px 6%;
}

.section-copy{
  max-width:760px;
}

.section-copy h2,
.ceo-panel h2{
  color:#0b2545;
  font-size:36px;
  line-height:1.12;
  letter-spacing:0;
  margin-bottom:12px;
}

.section-copy p,
.ceo-panel p,
.summary-card p,
.service-card p{
  color:#475569;
  line-height:1.7;
}

.summary-grid,
.services-grid,
.feature-grid,
.process-grid,
.testimonial-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:16px;
  margin-top:28px;
}

.summary-card,
.service-card,
.ceo-panel,
.feature-card,
.process-step,
.testimonial-card{
  background:#ffffff;
  border:1px solid #e2e8f0;
  border-radius:8px;
  box-shadow:0 12px 30px rgba(15,23,42,0.06);
}

.summary-card,
.service-card,
.feature-card,
.process-step,
.testimonial-card{
  padding:22px;
}

.summary-card span{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:36px;
  height:36px;
  border-radius:8px;
  background:#eaf5ff;
  color:#0d6efd;
  font-weight:800;
  margin-bottom:16px;
}

.summary-card h3,
.service-card h3,
.feature-card h3,
.process-step h3{
  color:#0f172a;
  margin-bottom:8px;
}

.why-section,
.testimonials-section{
  background:#f8fafc;
}

.feature-grid{
  grid-template-columns:repeat(4,minmax(0,1fr));
}

.feature-card{
  position:relative;
  overflow:hidden;
}

.feature-card:before{
  content:"";
  position:absolute;
  top:0;
  left:0;
  right:0;
  height:4px;
  background:linear-gradient(90deg,#0d6efd,#16a34a);
}

.feature-icon{
  width:42px;
  height:42px;
  display:flex;
  align-items:center;
  justify-content:center;
  border-radius:8px;
  background:#f0fdf4;
  color:#16a34a;
  font-weight:900;
  margin-bottom:16px;
}

.leadership-section{
  background:linear-gradient(135deg,#eaf5ff 0%,#f0fdf4 100%);
}

.ceo-panel{
  max-width:980px;
  display:grid;
  grid-template-columns:auto 1fr;
  gap:24px;
  align-items:center;
  padding:28px;
}

.ceo-avatar{
  width:104px;
  height:104px;
  border-radius:8px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg,#0d6efd,#16a34a);
  color:#fff;
  font-size:32px;
  font-weight:900;
}

.ceo-role{
  color:#0d6efd;
  font-weight:800;
  margin-bottom:10px;
}

.process-section{
  background:#ffffff;
}

.process-grid{
  grid-template-columns:repeat(4,minmax(0,1fr));
  counter-reset:process;
}

.process-step{
  position:relative;
}

.process-step span{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:44px;
  height:44px;
  border-radius:8px;
  background:#0b2545;
  color:#fff;
  font-weight:900;
  margin-bottom:18px;
}

.process-step p,
.feature-card p,
.testimonial-card p,
.faq-list p{
  color:#475569;
  line-height:1.7;
}

.services-grid{
  grid-template-columns:repeat(4,minmax(0,1fr));
}

.service-card{
  border-top:4px solid #16a34a;
}

.calculator-section{
  background:linear-gradient(135deg,#0b2545 0%,#0d6efd 62%,#16a34a 100%);
}

.calculator-panel{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:28px;
  align-items:start;
  max-width:1180px;
  margin:0 auto;
  padding:32px;
  border:1px solid rgba(255,255,255,0.22);
  border-radius:8px;
  background:rgba(255,255,255,0.12);
  box-shadow:0 22px 45px rgba(15,23,42,0.18);
}

.calculator-panel .section-copy h2,
.calculator-panel .section-copy p,
.calculator-panel .eyebrow{
  color:#ffffff;
}

.home-calculator{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:12px;
}

.home-calculator label{
  display:flex;
  flex-direction:column;
  gap:8px;
  color:#ffffff;
  font-weight:800;
}

.home-calculator input{
  width:100%;
  min-height:44px;
  border:1px solid rgba(255,255,255,0.36);
  border-radius:6px;
  padding:10px 12px;
  color:#0f172a;
  background:#ffffff;
}

.estimate-grid{
  grid-column:2;
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:12px;
}

.estimate-grid div{
  padding:18px;
  border-radius:8px;
  background:#ffffff;
}

.estimate-grid span{
  display:block;
  color:#64748b;
  font-size:13px;
  font-weight:800;
  margin-bottom:8px;
}

.estimate-grid strong{
  color:#0b2545;
  font-size:24px;
}

.testimonial-card{
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  min-height:190px;
}

.testimonial-card p{
  color:#0f172a;
  font-size:18px;
}

.testimonial-card strong{
  color:#0d6efd;
  margin-top:18px;
}

.faq-section{
  background:#ffffff;
}

.faq-list{
  display:grid;
  gap:10px;
  max-width:920px;
  margin-top:28px;
}

.faq-list details{
  border:1px solid #e2e8f0;
  border-radius:8px;
  background:#ffffff;
  box-shadow:0 8px 24px rgba(15,23,42,0.05);
}

.faq-list summary{
  cursor:pointer;
  padding:18px 20px;
  color:#0b2545;
  font-weight:900;
}

.faq-list p{
  padding:0 20px 18px;
}

.final-cta{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  padding:54px 6%;
  background:#f0fdf4;
  border-top:1px solid #dcfce7;
}

.final-cta h2{
  color:#0b2545;
  font-size:34px;
  line-height:1.15;
  letter-spacing:0;
}

/* =========================
   ABOUT PAGE
========================= */

.about-hero{
  position:relative;
  min-height:520px;
  display:flex;
  align-items:center;
  padding:80px 6%;
  overflow:hidden;
  background:
    linear-gradient(90deg,rgba(11,37,69,0.94),rgba(13,110,253,0.78),rgba(22,163,74,0.42)),
    url("static/loan-express-hero.png") center right / cover no-repeat;
}

.about-hero-copy{
  position:relative;
  max-width:760px;
  color:#ffffff;
}

.about-hero-copy .eyebrow{
  color:#bbf7d0;
}

.about-hero-copy h1{
  font-size:clamp(38px,6vw,72px);
  line-height:1;
  letter-spacing:0;
  margin-bottom:18px;
}

.about-hero-copy p{
  max-width:660px;
  font-size:18px;
  line-height:1.7;
  color:#eaf5ff;
}

.about-intro{
  display:grid;
  grid-template-columns:1fr 0.9fr;
  gap:32px;
  align-items:start;
}

.about-metrics{
  display:grid;
  gap:12px;
}

.about-metrics article{
  padding:20px;
  border:1px solid #e2e8f0;
  border-left:4px solid #16a34a;
  border-radius:8px;
  background:#ffffff;
  box-shadow:0 10px 28px rgba(15,23,42,0.06);
}

.about-metrics strong{
  display:block;
  color:#0d6efd;
  font-size:26px;
  margin-bottom:6px;
}

.about-metrics span{
  color:#475569;
  font-weight:700;
}

.mission-section{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;
  background:#f8fafc;
}

.mission-card{
  padding:28px;
  border:1px solid #e2e8f0;
  border-radius:8px;
  background:#ffffff;
  box-shadow:0 12px 30px rgba(15,23,42,0.06);
}

.mission-card h2{
  color:#0b2545;
  font-size:32px;
  line-height:1.15;
  letter-spacing:0;
  margin-bottom:12px;
}

.mission-card p{
  color:#475569;
  line-height:1.7;
}

.values-section{
  background:#ffffff;
}

.about-cta{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  padding:54px 6%;
  background:linear-gradient(135deg,#eaf5ff 0%,#f0fdf4 100%);
  border-top:1px solid #dbeafe;
}

.about-cta h2{
  color:#0b2545;
  font-size:34px;
  line-height:1.15;
  letter-spacing:0;
}

/* =========================
   PUBLIC AUTH PAGES
========================= */

.auth-page{
  min-height:100vh;
  background:
    linear-gradient(135deg,rgba(234,245,255,0.92) 0%,rgba(255,255,255,0.98) 44%,rgba(240,253,244,0.94) 100%);
}

.auth-shell{
  min-height:calc(100vh - 69px);
  display:grid;
  grid-template-columns:minmax(320px,0.9fr) minmax(420px,1.1fr);
}

.auth-aside{
  position:relative;
  display:flex;
  align-items:flex-end;
  padding:56px 6%;
  overflow:hidden;
  background:
    linear-gradient(180deg,rgba(11,37,69,0.18) 0%,rgba(11,37,69,0.82) 100%),
    url("static/loan-express-hero.png") center / cover no-repeat;
}

.auth-aside:before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(135deg,rgba(13,110,253,0.54),rgba(22,163,74,0.28));
}

.auth-aside > div{
  position:relative;
  max-width:560px;
  color:#ffffff;
}

.auth-aside .eyebrow{
  color:#bbf7d0;
}

.auth-aside h1{
  font-size:clamp(36px,5vw,58px);
  line-height:1;
  letter-spacing:0;
  margin-bottom:16px;
}

.auth-aside p{
  color:#eaf5ff;
  font-size:17px;
  line-height:1.7;
}

.auth-panel{
  display:flex;
  align-items:center;
  justify-content:center;
  padding:48px 6%;
}

.auth-page .auth-card{
  width:100%;
  max-width:560px;
  padding:34px;
  border:1px solid #e2e8f0;
  border-radius:8px;
  background:#ffffff;
  box-shadow:0 22px 50px rgba(15,23,42,0.1);
}

.auth-page .auth-card h1{
  color:#0b2545;
  font-size:36px;
  line-height:1.1;
  letter-spacing:0;
  margin-bottom:8px;
}

.auth-form{
  display:grid;
  gap:14px;
  margin-top:22px;
}

.auth-form-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}

.auth-form label,
.auth-form-grid label{
  display:flex;
  flex-direction:column;
  gap:7px;
  color:#0f172a;
  font-weight:800;
}

.auth-form input,
.auth-form-grid input{
  width:100%;
  min-height:46px;
  padding:11px 12px;
  border:1px solid #dbe4f0;
  border-radius:6px;
  background:#fbfdff;
  color:#0f172a;
  font-size:15px;
  transition:border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.auth-form input:focus,
.auth-form-grid input:focus{
  outline:none;
  border-color:#0d6efd;
  background:#ffffff;
  box-shadow:0 0 0 4px rgba(13,110,253,0.12);
}

.auth-submit{
  width:100%;
  min-height:48px;
  margin-top:6px;
  font-weight:900;
}

.auth-message{
  min-height:22px;
  margin-top:14px;
}

.auth-switch{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
  margin-top:18px;
  padding-top:18px;
  border-top:1px solid #e2e8f0;
  color:#475569;
  font-weight:700;
}

.auth-switch a{
  color:#0d6efd;
  font-weight:900;
  text-decoration:none;
}

.auth-switch a:hover{
  text-decoration:underline;
}

.site-footer{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:22px 6%;
  background:#0b2545;
  color:#fff;
}

.site-footer p{
  font-weight:800;
}

.site-footer div{
  display:flex;
  gap:16px;
  flex-wrap:wrap;
}

.site-footer a{
  color:#dbeafe;
}

@media(max-width:900px){
  .site-header{
    align-items:center;
    flex-direction:row;
    flex-wrap:wrap;
  }

  .menu-toggle{
    display:inline-flex;
    margin-left:auto;
  }

  .site-nav{
    display:none;
    width:100%;
    flex-direction:column;
    align-items:stretch;
    gap:0;
    padding-top:10px;
  }

  .site-nav.open{
    display:flex;
  }

  .site-nav a{
    padding:12px 0;
    border-top:1px solid #e2e8f0;
  }

  .site-nav .nav-login{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    margin-top:10px;
    padding:12px 14px;
  }

  .hero-section{
    min-height:720px;
    align-items:flex-start;
    padding-top:64px;
  }

  .hero-overlay{
    background:
      linear-gradient(180deg,rgba(255,255,255,0.98) 0%,rgba(255,255,255,0.9) 48%,rgba(255,255,255,0.3) 100%),
      linear-gradient(180deg,rgba(13,110,253,0.08),rgba(22,163,74,0.08));
  }

  .hero-media{
    background-size:min(920px, 118vw) auto;
    background-position:center bottom;
    background-repeat:no-repeat;
  }

  .about-hero{
    background-size:cover, min(920px, 118vw) auto;
    background-position:center, center bottom;
    background-repeat:no-repeat, no-repeat;
  }

  .summary-grid,
  .services-grid,
  .feature-grid,
  .process-grid,
  .testimonial-grid,
  .trust-strip{
    grid-template-columns:repeat(2,minmax(0,1fr));
  }

  .calculator-panel{
    grid-template-columns:1fr;
  }

  .estimate-grid{
    grid-column:auto;
  }

  .about-intro,
  .mission-section{
    grid-template-columns:1fr;
  }

  .auth-shell{
    grid-template-columns:1fr;
  }

  .auth-aside{
    min-height:360px;
    align-items:flex-start;
    padding:54px 6%;
    background-size:min(900px, 120vw) auto;
    background-position:center bottom;
  }

  .auth-panel{
    padding:36px 6%;
  }
}

@media(max-width:640px){
  .site-header,
  .home-section,
  .hero-section,
  .site-footer{
    padding-left:20px;
    padding-right:20px;
  }

  .site-nav{
    width:100%;
    gap:10px;
  }

  .site-nav a{
    font-size:13px;
  }

  .hero-content h1{
    font-size:42px;
  }

  .hero-content p{
    font-size:16px;
  }

  .hero-section{
    min-height:700px;
    padding-top:42px;
    padding-bottom:300px;
  }

  .hero-media{
    background-size:min(560px, 108vw) auto;
    background-position:center bottom 12px;
  }

  .hero-overlay{
    background:
      linear-gradient(180deg,rgba(255,255,255,0.99) 0%,rgba(255,255,255,0.95) 42%,rgba(255,255,255,0.58) 68%,rgba(255,255,255,0.2) 100%),
      linear-gradient(180deg,rgba(13,110,253,0.08),rgba(22,163,74,0.08));
  }

  .summary-grid,
  .services-grid,
  .feature-grid,
  .process-grid,
  .testimonial-grid,
  .ceo-panel,
  .trust-strip,
  .home-calculator,
  .estimate-grid{
    grid-template-columns:1fr;
  }

  .section-copy h2,
  .ceo-panel h2{
    font-size:30px;
  }

  .site-footer{
    flex-direction:column;
    align-items:flex-start;
  }

  .calculator-panel{
    padding:22px;
  }

  .final-cta{
    flex-direction:column;
    align-items:flex-start;
    padding:42px 20px;
  }

  .final-cta h2{
    font-size:30px;
  }

  .about-hero{
    min-height:680px;
    padding:64px 20px;
    padding-bottom:300px;
    align-items:flex-start;
    background-size:cover, min(560px, 108vw) auto;
    background-position:center, center bottom 12px;
    background-repeat:no-repeat, no-repeat;
  }

  .about-hero-copy h1{
    font-size:40px;
  }

  .about-hero-copy p{
    font-size:16px;
  }

  .about-cta{
    flex-direction:column;
    align-items:flex-start;
    padding:42px 20px;
  }

  .about-cta h2,
  .mission-card h2{
    font-size:30px;
  }

  .auth-aside{
    min-height:330px;
    padding:42px 20px 180px;
    background-size:min(520px, 110vw) auto;
    background-position:center bottom;
  }

  .auth-aside h1{
    font-size:36px;
  }

  .auth-aside p{
    font-size:15px;
  }

  .auth-panel{
    padding:24px 20px 40px;
  }

  .auth-page .auth-card{
    padding:24px;
  }

  .auth-page .auth-card h1{
    font-size:30px;
  }

  .auth-form-grid{
    grid-template-columns:1fr;
  }

  .auth-switch{
    align-items:flex-start;
    flex-direction:column;
  }
}