/* ========================= VARIABLES & RESET ========================= */
:root {
    --primary-color: #FFD700;
    --dark-bg: #1a2332;
    --light-text: #ffffff;
    --secondary-dark: #2d3e52;
    --border-color: #3d4f66;
    --card-bg: #243348;
    --card-bg-soft: #2a3a50;
    --muted-text: #b8c2d1;
    --muted-text-soft: #95a3b8;
    --radius-xl: 16px;
    --radius-2xl: 20px;
    --elevation-md: 0 10px 24px rgba(0, 0, 0, 0.28);
    --elevation-lg: 0 16px 36px rgba(0, 0, 0, 0.32);
    --success: #10b981;
    --danger: #ef4444;
    --warning: #f59e0b;
    --info: #3b82f6;
    --transition: all 0.3s ease;
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    background-color: var(--dark-bg);
    color: var(--light-text);
    line-height: 1.6;
}

/* ========================= CONTAINER ========================= */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ========================= NAVBAR ========================= */
.navbar {
    background: linear-gradient(135deg, #1a2332 0%, #2d3e52 100%);
    border-bottom: none;
    padding: 1rem 0;
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: var(--elevation-md);
}

.navbar-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
}

.brand-icon {
    width: 34px;
    height: 34px;
    object-fit: contain;
    border-radius: 10px;
    box-shadow: 0 8px 18px rgba(0, 0, 0, 0.18);
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
}

.footer-icon {
    width: 28px;
    height: 28px;
    object-fit: contain;
    border-radius: 8px;
    box-shadow: 0 6px 14px rgba(0, 0, 0, 0.16);
}

.logo h1 {
    color: var(--light-text);
    font-size: 24px;
    font-weight: 700;
    line-height: 1;
}

.logo .tagline {
    color: #999;
    font-size: 11px;
    font-style: italic;
}

.page-brand-top {
    display: flex;
    justify-content: center;
    margin-bottom: 14px;
}

.page-brand-icon {
    width: 44px;
    height: 44px;
    object-fit: contain;
    border-radius: 12px;
    box-shadow: 0 8px 18px rgba(0, 0, 0, 0.2);
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 30px;
    align-items: center;
}

.nav-link {
    color: var(--light-text);
    text-decoration: none;
    font-weight: 500;
    transition: var(--transition);
    padding: 8px 0;
}

.nav-link:hover {
    color: #e2e8f0;
}

.nav-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 18px;
    height: 18px;
    margin-left: 6px;
    padding: 0 5px;
    border-radius: 999px;
    background: #ef4444;
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    line-height: 1;
    vertical-align: middle;
}

/* Hamburger Menu */
.hamburger {
    display: none;
    flex-direction: column;
    background: none;
    border: none;
    cursor: pointer;
    gap: 6px;
    padding: 0;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: var(--primary-color);
    border-radius: 2px;
    transition: var(--transition);
}

.hamburger.active span:nth-child(1) {
    transform: rotate(45deg) translate(10px, 10px);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
}

/* Auto-refresh indicator */
.refresh-indicator {
    position: fixed;
    top: 70px;
    right: 20px;
    background: var(--info);
    color: white;
    padding: 10px 15px;
    border-radius: 20px;
    font-size: 13px;
    display: flex;
    align-items: center;
    gap: 8px;
    z-index: 99;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.2);
}

.refresh-dot {
    width: 8px;
    height: 8px;
    background: white;
    border-radius: 50%;
    animation: pulse 1.5s infinite;
}

@keyframes pulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.5; }
}

.primary-btn {
    background-color: var(--primary-color);
    color: var(--dark-bg);
    padding: 10px 20px;
    border-radius: var(--radius-xl);
    font-weight: 600;
    box-shadow: 0 8px 22px rgba(255, 215, 0, 0.22);
}

.primary-btn:hover {
    background-color: #ffc700;
    transform: translateY(-2px);
}

.dropdown {
    position: relative;
}

.dropdown-toggle::after {
    content: ' ▼';
    font-size: 10px;
}

.dropdown-toggle {
    background: none;
    border: none;
    color: inherit;
    font: inherit;
    cursor: pointer;
    padding: 8px 0;
}

.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;
    right: 0;
    background: var(--secondary-dark);
    border-radius: var(--radius-xl);
    min-width: 180px;
    list-style: none;
    margin-top: 10px;
    box-shadow: 0 5px 15px rgba(0, 0, 0, 0.3);
    opacity: 1;
    transition: opacity 0.2s ease;
    z-index: 1000;
}

.dropdown-menu.show {
    display: block;
    opacity: 1;
    pointer-events: auto;
}

.dropdown-menu li {
    border-bottom: 1px solid var(--border-color);
}

.dropdown-menu li:last-child {
    border-bottom: none;
}

.dropdown-menu a {
    display: block;
    padding: 12px 20px;
    color: var(--light-text);
    text-decoration: none;
    transition: var(--transition);
}

.dropdown-menu a:hover {
    background-color: rgba(255, 255, 255, 0.08);
    color: var(--light-text);
}

/* ========================= ALERTS ========================= */
.alert {
    padding: 15px 20px;
    margin: 20px 0;
    border-radius: var(--radius-xl);
    border: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    box-shadow: var(--elevation-md);
}

.alert-success {
    background-color: rgba(16, 185, 129, 0.1);
    color: var(--success);
}

.alert-danger {
    background-color: rgba(239, 68, 68, 0.1);
    color: var(--danger);
}

.alert-warning {
    background-color: rgba(245, 158, 11, 0.1);
    color: var(--warning);
}

.alert-info {
    background-color: rgba(59, 130, 246, 0.1);
    color: var(--info);
}

.close {
    cursor: pointer;
    font-size: 20px;
    background: none;
    border: none;
    color: inherit;
    opacity: 0.7;
}

.close:hover {
    opacity: 1;
}

/* ========================= HERO SECTION ========================= */
.hero-section {
    background: linear-gradient(135deg, rgba(26, 35, 50, 0.95) 0%, rgba(45, 62, 82, 0.95) 100%);
    padding: 100px 20px;
    text-align: center;
    color: var(--light-text);
}

.hero-content {
    max-width: 600px;
    margin: 0 auto;
}

.hero-shell {
    max-width: 1120px;
    display: grid;
    grid-template-columns: minmax(280px, 360px) 1fr;
    align-items: center;
    gap: 30px;
}

.hero-main-copy {
    min-width: 0;
}

.hero-live-feed {
    text-align: left;
    background: rgba(12, 19, 29, 0.45);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-2xl);
    padding: 16px;
    box-shadow: var(--elevation-md);
    backdrop-filter: blur(8px);
    overflow: hidden;
    height: clamp(220px, 34vh, 320px);
    display: flex;
    flex-direction: column;
}

.hero-live-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 6px;
    gap: 10px;
}

.hero-live-head h3 {
    font-size: 16px;
    color: #e9effa;
}

.demo-pill {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.08em;
    color: #0f1726;
    background: var(--primary-color);
    border-radius: 999px;
    padding: 4px 8px;
}

.hero-live-subtitle {
    color: var(--muted-text-soft);
    font-size: 12px;
    margin-bottom: 12px;
}

.demo-feed-list {
    display: flex;
    flex-direction: column;
    gap: 10px;
    min-height: 0;
    height: 100%;
    overflow: hidden;
}

.demo-feed-item {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 12px;
    padding: 10px;
    animation: demoSlideIn 0.7s cubic-bezier(0.2, 0.8, 0.2, 1);
}

.demo-feed-item.is-leaving {
    animation: demoFadeOut 0.65s ease forwards;
}

.demo-feed-top {
    display: flex;
    justify-content: space-between;
    gap: 8px;
    margin-bottom: 4px;
    font-size: 12px;
    color: #dce6f6;
}

.demo-feed-top strong {
    color: #ffffff;
    letter-spacing: 0.04em;
}

.demo-feed-bottom {
    color: #b6c5d9;
    font-size: 12px;
}

@keyframes demoSlideIn {
    0% {
        opacity: 0;
        transform: translateY(80px);
    }
    100% {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes demoFadeOut {
    0% {
        opacity: 1;
        transform: translateY(0);
    }
    100% {
        opacity: 0;
        transform: translateY(-14px);
    }
}

.hero-content h2 {
    font-size: 48px;
    margin-bottom: 20px;
    color: var(--light-text);
}

.hero-content p {
    font-size: 20px;
    margin-bottom: 40px;
    color: var(--muted-text);
}

.search-box {
    display: flex;
    background: white;
    border-radius: 10px;
    padding: 8px;
    box-shadow: 0 5px 20px rgba(0, 0, 0, 0.2);
}

.search-box input {
    flex: 1;
    border: none;
    padding: 12px 20px;
    font-size: 16px;
    color: var(--dark-bg);
    background: none;
    outline: none;
}

.search-box input::placeholder {
    color: #999;
}

.btn-search {
    background: var(--primary-color);
    border: none;
    padding: 12px 25px;
    cursor: pointer;
    border-radius: var(--radius-xl);
    font-weight: 600;
    transition: var(--transition);
}

.btn-search:hover {
    background: #ffc700;
}

/* ========================= COMMON BUTTONS ========================= */
.btn {
    display: inline-block;
    padding: 12px 24px;
    border: none;
    border-radius: var(--radius-xl);
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: var(--transition);
    text-align: center;
}

.btn-primary {
    background-color: var(--primary-color);
    color: var(--dark-bg);
}

.btn-primary:hover {
    background-color: #ffc700;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(255, 215, 0, 0.4);
}

.btn-secondary {
    background-color: var(--card-bg-soft);
    color: var(--light-text);
}

.btn-secondary:hover {
    background-color: #34475f;
    color: var(--light-text);
}

.btn-full {
    width: 100%;
}

.btn-large {
    padding: 15px 40px;
    font-size: 16px;
}

/* ========================= LOAN TYPES SECTION ========================= */
.loan-types-section,
.benefits-section {
    padding: 60px 0;
}

.loan-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 25px;
    margin-bottom: 60px;
}

.loan-card {
    background: var(--card-bg);
    padding: 35px 25px;
    border-radius: var(--radius-2xl);
    text-align: center;
    transition: var(--transition);
    text-decoration: none;
    color: var(--light-text);
    border: none;
    box-shadow: var(--elevation-md);
    cursor: pointer;
}

.loan-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--elevation-lg);
}

.loan-icon {
    font-size: 48px;
    margin-bottom: 20px;
}

.loan-card h3 {
    font-size: 18px;
    margin-bottom: 10px;
    color: var(--light-text);
}

.loan-card p {
    font-size: 14px;
    color: var(--muted-text);
}

/* ========================= BENEFITS GRID ========================= */
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 30px;
}

.benefit-card {
    background: var(--card-bg);
    padding: 35px;
    border-radius: var(--radius-2xl);
    text-align: center;
    border: none;
    box-shadow: var(--elevation-md);
}

.benefit-icon {
    font-size: 40px;
    margin-bottom: 15px;
}

.benefit-card h3 {
    margin-bottom: 10px;
    color: var(--light-text);
}

.benefit-card p {
    color: var(--muted-text);
    font-size: 14px;
}

/* ========================= HOW IT WORKS ========================= */
.how-it-works {
    padding: 60px 0;
}

.steps-container {
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
    margin-top: 40px;
}

.step {
    flex: 1;
    min-width: 200px;
    text-align: center;
    padding: 20px;
}

.step-number {
    display: inline-block;
    width: 50px;
    height: 50px;
    background-color: var(--primary-color);
    color: var(--dark-bg);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: bold;
    font-size: 24px;
    margin-bottom: 15px;
}

.step h3 {
    color: var(--light-text);
    margin-bottom: 10px;
}

.step p {
    color: var(--muted-text);
    font-size: 14px;
}

.step-arrow {
    font-size: 30px;
    color: var(--primary-color);
    flex-shrink: 0;
}

/* ========================= CTA SECTION ========================= */
.cta-section {
    background: linear-gradient(135deg, var(--primary-color) 0%, #ffc700 100%);
    color: var(--dark-bg);
    padding: 60px 20px;
    border-radius: var(--radius-2xl);
    text-align: center;
    margin: 60px 0;
}

.cta-content h2 {
    font-size: 36px;
    margin-bottom: 15px;
}

.cta-content p {
    font-size: 18px;
    margin-bottom: 30px;
    opacity: 0.9;
}

.floating-message-btn {
    position: fixed;
    right: 22px;
    bottom: 24px;
    z-index: 120;
    background: var(--primary-color);
    color: var(--dark-bg);
    text-decoration: none;
    font-weight: 700;
    padding: 12px 18px;
    border-radius: 999px;
    box-shadow: 0 12px 24px rgba(255, 215, 0, 0.24);
    transition: var(--transition);
}

.floating-message-btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 16px 30px rgba(255, 215, 0, 0.28);
}

/* ========================= AUTHENTICATION FORMS ========================= */
.auth-container {
    padding: 60px 20px;
    display: flex;
    justify-content: center;
    align-items: center;
    min-height: calc(100vh - 200px);
}

.auth-form-wrapper {
    background: var(--card-bg);
    padding: 50px;
    border-radius: var(--radius-2xl);
    width: 100%;
    max-width: 450px;
    box-shadow: var(--elevation-lg);
}

.auth-form-wrapper h2 {
    color: var(--light-text);
    margin-bottom: 10px;
    text-align: center;
}

.auth-subtitle {
    color: var(--muted-text);
    text-align: center;
    margin-bottom: 30px;
    font-size: 14px;
}

.auth-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.form-group label {
    color: var(--muted-text);
    font-weight: 600;
    font-size: 14px;
}

.form-group input,
.form-group textarea,
.form-group select {
    background: #33465f;
    border: none;
    color: var(--light-text);
    padding: 14px 16px;
    border-radius: var(--radius-xl);
    font-size: 14px;
    transition: var(--transition);
    box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.08);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    background: #3a4f6b;
    box-shadow: inset 0 0 0 1px rgba(255, 215, 0, 0.42), 0 0 0 2px rgba(255, 215, 0, 0.28);
}

.form-group small {
    color: var(--muted-text-soft);
    font-size: 12px;
}

.form-group.checkbox {
    flex-direction: row;
    align-items: center;
    gap: 10px;
}

.form-group.checkbox input {
    width: 20px;
    height: 20px;
    cursor: pointer;
}

.form-group.checkbox label {
    margin: 0;
    cursor: pointer;
}

.auth-footer,
.auth-links {
    text-align: center;
    color: var(--muted-text);
    font-size: 14px;
    margin-top: 20px;
}

.auth-footer a,
.auth-links a {
    color: #d6deea;
    text-decoration: none;
    font-weight: 600;
}

.auth-footer a:hover,
.auth-links a:hover {
    text-decoration: underline;
}

/* ========================= LOAN APPLICATION FORM ========================= */
.form-container {
    max-width: 700px;
    margin: 40px auto;
    padding: 40px;
    background: var(--card-bg);
    border-radius: var(--radius-2xl);
    box-shadow: var(--elevation-lg);
}

.form-container h2 {
    color: var(--light-text);
    margin-bottom: 10px;
}

.form-container > p {
    color: var(--muted-text);
    margin-bottom: 30px;
}

.form-section {
    margin-bottom: 40px;
    padding-bottom: 40px;
    border-bottom: none;
}

.form-section:last-of-type {
    border-bottom: none;
}

.form-section h3 {
    color: var(--light-text);
    font-size: 18px;
    margin-bottom: 25px;
}

.loan-form .form-group {
    margin-bottom: 24px;
}

.info-box {
    background: rgba(245, 158, 11, 0.14);
    border: none;
    padding: 22px;
    border-radius: var(--radius-xl);
    box-shadow: inset 0 0 0 1px rgba(251, 191, 36, 0.22);
}

.info-box h3 {
    margin-bottom: 15px;
    color: #f7d178;
}

.info-box p {
    color: #f1d9a6;
    font-size: 14px;
    line-height: 1.8;
    margin-bottom: 10px;
}

.warning-title {
    color: #f8cd72;
    margin-bottom: 8px;
}

.payment-schedule-note {
    margin-top: 10px;
    color: #e6c98f;
    font-size: 12px;
}

.doc-upload-note {
    color: var(--muted-text-soft);
    font-size: 14px;
    margin-bottom: 15px;
}

.upfront-display {
    padding: 16px;
    background: #33465f;
    border-radius: var(--radius-xl);
    box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.08);
}

.upfront-display p {
    margin: 0;
    color: var(--muted-text);
}

.upfront-display p + p {
    margin-top: 8px;
}

.form-actions {
    display: flex;
    gap: 15px;
    justify-content: center;
    margin-top: 40px;
}

/* ========================= PAYMENT SECTION ========================= */
.payment-container {
    max-width: 600px;
    margin: 40px auto;
    padding: 40px;
    background: var(--card-bg);
    border-radius: var(--radius-2xl);
    box-shadow: var(--elevation-lg);
}

.payment-container h2 {
    color: var(--light-text);
    margin-bottom: 30px;
}

.payment-details-card {
    background: var(--card-bg-soft);
    border: none;
    padding: 32px;
    border-radius: var(--radius-xl);
    margin-bottom: 30px;
    box-shadow: var(--elevation-md);
}

.detail-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 22px;
}

.detail-item {
    display: flex;
    flex-direction: column;
    gap: 7px;
    padding: 14px;
    border-radius: var(--radius-xl);
    background: rgba(10, 18, 28, 0.24);
}

.detail-item.highlight {
    background: rgba(255, 215, 0, 0.1);
}

.detail-label {
    font-size: 11px;
    line-height: 1.1;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--muted-text-soft);
    font-weight: 600;
}

.detail-value {
    color: var(--light-text);
    font-size: 19px;
    font-weight: 600;
    line-height: 1.35;
}

.payment-info-box {
    background: rgba(59, 130, 246, 0.1);
    border: none;
    padding: 20px;
    border-radius: var(--radius-xl);
    margin-bottom: 30px;
    box-shadow: var(--elevation-md);
}

.payment-info-box h3 {
    color: var(--light-text);
    margin-bottom: 15px;
}

.payment-info-box p {
    color: var(--muted-text);
    margin-bottom: 10px;
    font-size: 14px;
    line-height: 1.8;
}

.payment-form .form-group {
    margin-bottom: 24px;
}

.payment-subtitle {
    color: var(--muted-text);
    margin-top: 8px;
    margin-bottom: 22px;
    font-size: 14px;
}

.payment-agree-group {
    margin: 8px 0 4px;
}

.security-badge {
    text-align: center;
    padding: 20px;
    background: rgba(16, 185, 129, 0.1);
    border: none;
    border-radius: var(--radius-xl);
    color: var(--success);
    margin-top: 30px;
    font-weight: 600;
    box-shadow: var(--elevation-md);
}

/* ========================= DASHBOARD ========================= */
.dashboard-container {
    padding: 40px 20px;
}

.dashboard-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 40px;
}

.dashboard-header h2 {
    color: var(--light-text);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 25px;
    margin-bottom: 50px;
}

.stat-card {
    background: var(--card-bg);
    padding: 30px;
    border-radius: var(--radius-2xl);
    display: flex;
    align-items: center;
    gap: 20px;
    border: none;
    box-shadow: var(--elevation-md);
}

.stat-icon {
    font-size: 40px;
    flex-shrink: 0;
}

.stat-content h3 {
    color: var(--light-text);
    font-size: 28px;
    margin-bottom: 5px;
}

.stat-content p {
    color: var(--muted-text);
    font-size: 14px;
}

.dashboard-section {
    background: var(--card-bg);
    padding: 35px;
    border-radius: var(--radius-2xl);
    margin-bottom: 30px;
    box-shadow: var(--elevation-md);
}

.section-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 25px;
}

.section-header h3 {
    color: var(--light-text);
}

.link {
    color: #d4deec;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
}

.link:hover {
    text-decoration: underline;
}

.applications-table {
    overflow-x: auto;
}

table {
    width: 100%;
    border-collapse: collapse;
}

table thead {
    background: rgba(255, 255, 255, 0.03);
}

table th {
    color: #d4deec;
    padding: 15px;
    text-align: left;
    font-weight: 600;
    border-bottom: none;
}

table td {
    padding: 15px;
    border-bottom: none;
    color: var(--muted-text);
}

table tbody tr:hover {
    background: rgba(255, 255, 255, 0.03);
}

.badge {
    display: inline-block;
    padding: 6px 14px;
    border-radius: 999px;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.02em;
}

.badge-pending {
    background: rgba(245, 158, 11, 0.2);
    color: var(--warning);
}

.badge-awaiting_verification {
    background: rgba(245, 158, 11, 0.24);
    color: #f59e0b;
}

.badge-processing {
    background: rgba(59, 130, 246, 0.2);
    color: var(--info);
}

.badge-approved {
    background: rgba(16, 185, 129, 0.2);
    color: var(--success);
}

.badge-rejected {
    background: rgba(239, 68, 68, 0.12);
    color: #f87171;
}

.badge-success {
    background: rgba(16, 185, 129, 0.2);
    color: var(--success);
}

.badge-warning {
    background: rgba(245, 158, 11, 0.2);
    color: var(--warning);
}

.summary-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 26px;
}

.summary-item {
    display: flex;
    flex-direction: column;
    gap: 8px;
    padding: 14px;
    border-radius: var(--radius-xl);
    background: rgba(10, 18, 28, 0.24);
}

.summary-item.full {
    grid-column: 1 / -1;
}

.summary-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--muted-text-soft);
    font-weight: 600;
}

.summary-value {
    color: var(--light-text);
    font-size: 19px;
    font-weight: 500;
    line-height: 1.4;
}

.btn-link {
    color: #d4deec;
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
}

.btn-link:hover {
    text-decoration: underline;
}

.empty-state {
    text-align: center;
    padding: 50px 20px;
    color: var(--muted-text);
}

.empty-state p {
    margin-bottom: 20px;
}

.quick-actions {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
}

.action-card {
    background: var(--card-bg-soft);
    border: none;
    padding: 25px;
    border-radius: var(--radius-2xl);
    text-align: center;
    text-decoration: none;
    color: var(--light-text);
    transition: var(--transition);
    box-shadow: var(--elevation-md);
}

.action-card:hover {
    background: #31445c;
    transform: translateY(-5px);
    box-shadow: var(--elevation-lg);
}

.action-icon {
    font-size: 36px;
    margin-bottom: 15px;
}

.action-card h4 {
    color: var(--light-text);
    margin-bottom: 8px;
}

.action-card p {
    font-size: 14px;
    color: var(--muted-text);
}

/* ========================= FOOTER ========================= */
.footer {
    background: linear-gradient(135deg, #0f1419 0%, #1a2332 100%);
    color: var(--muted-text);
    padding: 60px 0 20px;
    margin-top: 60px;
    border-top: none;
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 40px;
    margin-bottom: 40px;
}

.footer-section h4 {
    color: var(--light-text);
    margin-bottom: 15px;
    font-size: 16px;
}

.footer-section p {
    font-size: 14px;
    line-height: 1.8;
    margin-bottom: 10px;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 10px;
}

.footer-section a {
    color: var(--muted-text);
    text-decoration: none;
    font-size: 14px;
    transition: var(--transition);
}

.footer-section a:hover {
    color: #d4deec;
}

.social-links {
    display: flex;
    gap: 15px;
    margin-top: 15px;
}

.social-icon {
    display: inline-block;
    width: 35px;
    height: 35px;
    background: var(--primary-color);
    color: var(--dark-bg);
    border-radius: 50%;
    text-align: center;
    line-height: 35px;
    text-decoration: none;
    font-weight: 600;
    transition: var(--transition);
}

.social-icon:hover {
    transform: translateY(-3px);
    box-shadow: 0 5px 15px rgba(255, 215, 0, 0.3);
}

.footer-bottom {
    text-align: center;
    padding-top: 20px;
    border-top: 1px solid var(--border-color);
    color: #999;
    font-size: 14px;
}

/* ========================= RESPONSIVE ========================= */
@media (max-width: 768px) {
    .hamburger {
        display: flex;
    }

    .navbar-container {
        flex-direction: row;
        justify-content: space-between;
        gap: 0;
    }

    .nav-menu {
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        width: 100%;
        height: 0;
        background: linear-gradient(135deg, #1a2332 0%, #2d3e52 100%);
        flex-direction: column;
        gap: 10px;
        padding: 0 20px;
        overflow: hidden;
        transition: height 0.3s ease;
        list-style: none;
    }

    .nav-menu.active {
        height: auto;
        padding: 20px;
        border-bottom: none;
    }

    .nav-menu li {
        padding: 10px 0;
        border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    }

    .nav-menu li:last-child {
        border-bottom: none;
    }

    .nav-menu a {
        display: block;
        padding: 8px 0;
    }

    .primary-btn {
        display: inline-block;
        width: 100%;
        text-align: center;
    }

    .dropdown-menu {
        position: static;
        display: none;
        background: rgba(0, 0, 0, 0.1);
        margin-top: 10px;
        border-radius: 5px;
    }

    .dropdown:hover .dropdown-menu,
    .dropdown.active > .dropdown-menu {
        display: block;
    }

    .hero-content h2 {
        font-size: 32px;
    }

    .hero-shell {
        grid-template-columns: 1fr;
        gap: 18px;
    }

    .hero-live-feed {
        order: 2;
        height: clamp(200px, 30vh, 280px);
    }

    .hero-main-copy {
        order: 1;
    }

    .steps-container {
        flex-direction: column;
    }

    .step-arrow {
        transform: rotate(90deg);
        margin: 10px 0;
    }

    .auth-form-wrapper {
        padding: 30px 20px;
    }

    .form-container {
        padding: 25px 20px;
    }

    .dashboard-header {
        flex-direction: column;
        gap: 20px;
        align-items: flex-start;
    }

    table {
        font-size: 12px;
    }

    table th, table td {
        padding: 10px;
    }

    .form-actions {
        flex-direction: column;
    }

    .refresh-indicator {
        top: 60px;
        right: 15px;
        font-size: 12px;
        padding: 8px 12px;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 15px;
    }

    .logo h1 {
        font-size: 18px;
    }

    .logo .tagline {
        display: none;
    }

    .nav-menu {
        top: 60px;
    }

    .hero-content h2 {
        font-size: 24px;
    }

    .hero-live-feed {
        padding: 14px;
        height: clamp(190px, 28vh, 250px);
    }

    .auth-form-wrapper {
        padding: 20px 15px;
    }

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

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

    .stat-card {
        flex-direction: column;
        text-align: center;
    }

    .floating-message-btn {
        right: 14px;
        bottom: 16px;
        padding: 11px 15px;
        font-size: 13px;
    }

    .form-group input,
    .form-group textarea,
    .form-group select {
        font-size: 16px;
    }
}