:root {
  --bg: #f4f6f9;
  --text: #0f172a;
  --muted: #64748b;
  --card: #fff;
  --border: rgba(15, 23, 42, 0.1);
  --accent: #0f766e;
  --danger: #b91c1c;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, Segoe UI, sans-serif;
  background: var(--bg);
  color: var(--text);
}
a { color: var(--accent); }
.topbar {
  display: flex; gap: 16px; align-items: center; flex-wrap: wrap;
  padding: 12px 20px; background: #0b1220; color: #e5e7eb;
}
.topbar a { color: #e5e7eb; text-decoration: none; margin-right: 12px; }
.topbar .brand a { font-weight: 800; }
.topbar .user { margin-left: auto; display: flex; gap: 10px; align-items: center; }
.container { max-width: 1100px; margin: 0 auto; padding: 20px; }
.card {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 14px; padding: 16px 18px; margin: 14px 0;
}
.muted, .kicker { color: var(--muted); }
.kicker { text-transform: uppercase; letter-spacing: .06em; font-size: .72rem; margin: 0; }
.btn {
  display: inline-block; padding: 9px 14px; border-radius: 10px;
  border: 1px solid transparent; background: var(--accent); color: #fff !important;
  font-weight: 700; text-decoration: none; cursor: pointer;
}
.btn.ghost { background: transparent; border-color: var(--border); color: inherit !important; }
.topbar .btn.ghost { border-color: rgba(255,255,255,.25); color: #e5e7eb !important; }
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 12px; }
.stat { text-align: center; }
.stat strong { display: block; font-size: 1.8rem; }
table { width: 100%; border-collapse: collapse; }
th, td { text-align: left; padding: 8px 6px; border-bottom: 1px solid var(--border); font-size: .92rem; }
.row-between { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; align-items: flex-start; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.form-grid label { display: flex; flex-direction: column; gap: 4px; font-weight: 600; font-size: .9rem; }
.form-grid input, .form-grid select, .form-grid textarea {
  font: inherit; padding: 8px 10px; border-radius: 8px; border: 1px solid #cbd5e1;
}
.span2 { grid-column: 1 / -1; }
.alert { background: #fef2f2; color: var(--danger); border: 1px solid #fecaca; padding: 8px 10px; border-radius: 8px; }
.guest { min-height: 100vh; display: grid; place-items: center; }
.login { width: min(420px, 92vw); }
.login input { width: 100%; margin: 6px 0 12px; padding: 10px; border-radius: 8px; border: 1px solid #cbd5e1; }
.login button { width: 100%; margin-top: 8px; }
.login-wrap { padding: 24px; }
.dl { display: grid; grid-template-columns: 160px 1fr; gap: 6px 12px; }
.dl dt { color: var(--muted); }
.steps { display: flex; flex-wrap: wrap; gap: 8px; list-style: none; padding: 0; }
.steps li { padding: 6px 10px; border-radius: 999px; background: #f1f5f9; font-size: .82rem; }
.steps li.on { background: rgba(15, 118, 110, .15); color: #0f766e; font-weight: 700; }
.borrower { padding: 10px 0; border-bottom: 1px solid var(--border); }
.pill { display: inline-block; margin-left: 8px; font-size: .75rem; background: #ecfeff; color: #0e7490; padding: 2px 8px; border-radius: 999px; }
.search { display: flex; gap: 8px; margin: 12px 0; }
.search input { flex: 1; padding: 8px 10px; border-radius: 8px; border: 1px solid #cbd5e1; }
@media (max-width: 720px) {
  .form-grid { grid-template-columns: 1fr; }
  .dl { grid-template-columns: 1fr; }
}