/* ============================================================================
   Personal Loan Tracker - Fintrust Blue + Teal Design System
   ============================================================================ */

/* ============================================================================
   CSS VARIABLES - Fintrust Blue + Teal Color Scheme
   ============================================================================ */

:root {
  /* Primary Colors */
  --color-primary: #2F6BFF;
  --color-primary-600: #1F54E8;
  --color-primary-50: #EEF4FF;
  
  /* Secondary Colors */
  --color-secondary: #12B89A;
  --color-accent: #6D5EF9;
  
  /* Semantic Colors */
  --color-success: #16A34A;
  --color-warning: #F59E0B;
  --color-danger: #DC2626;
  --color-info: #0EA5E9;
  
  /* Neutral Colors (Light Mode) */
  --color-bg: #F7F9FC;
  --color-surface: #FFFFFF;
  --color-border: #E5E7EB;
  --color-text: #0F172A;
  --color-muted: #6B7280;
  
  /* Spacing */
  --spacing-xs: 0.25rem;
  --spacing-sm: 0.5rem;
  --spacing-md: 1rem;
  --spacing-lg: 1.5rem;
  --spacing-xl: 2rem;
  --spacing-2xl: 3rem;
  
  /* Border Radius */
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  
  /* Shadows */
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
  
  /* Typography */
  --font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  --font-size-xs: 0.75rem;
  --font-size-sm: 0.875rem;
  --font-size-base: 1rem;
  --font-size-lg: 1.125rem;
  --font-size-xl: 1.25rem;
  --font-size-2xl: 1.5rem;
  --font-size-3xl: 1.875rem;
  
  /* Transitions */
  --transition-fast: 150ms ease-in-out;
  --transition-base: 200ms ease-in-out;
  --transition-slow: 300ms ease-in-out;
}

/* ============================================================================
   GLOBAL RESET & BASE STYLES
   ============================================================================ */

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-bg);
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

h1, h2, h3, h4, h5, h6 {
  line-height: 1.2;
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

h1 { font-size: var(--font-size-3xl); }
h2 { font-size: var(--font-size-2xl); }
h3 { font-size: var(--font-size-xl); }
h4 { font-size: var(--font-size-lg); }

a {
  color: var(--color-primary);
  text-decoration: none;
  transition: color var(--transition-fast);
}

a:hover {
  color: var(--color-primary-600);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

/* ============================================================================
   LAYOUT
   ============================================================================ */

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.main {
  padding: var(--spacing-lg) 0;
}

/* ============================================================================
   HEADER & NAVIGATION
   ============================================================================ */

.header {
  background-color: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--spacing-md) 0;
  gap: var(--spacing-lg);
}

.logo-container {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--color-primary);
  margin: 0;
}

.logo svg {
  color: var(--color-primary);
}

.logo-tagline {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-primary);
  margin: 0;
  margin-top:-5px;
  padding-left: 0.2rem;
  letter-spacing: 0.02em;
}

.nav {
  display: flex;
  gap: var(--spacing-sm);
  flex-wrap: wrap;
}

.nav-btn {
  padding: var(--spacing-sm) var(--spacing-md);
  background: transparent;
  border: 1px solid transparent;
  border-radius: var(--radius-md);
  color: var(--color-text);
  font-size: var(--font-size-sm);
  font-weight: 500;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.nav-btn:hover {
  background-color: var(--color-primary-50);
  color: var(--color-primary);
}

.nav-btn.active {
  background-color: var(--color-primary);
  color: white;
}

.btn-logout {
  color: var(--color-danger);
}

.btn-logout:hover {
  background-color: #FEE2E2;
  border-color: var(--color-danger);
}

/* ============================================================================
   FOOTER
   ============================================================================ */

.footer {
  background-color: var(--color-surface);
  border-top: 1px solid var(--color-border);
  padding: var(--spacing-lg) 0;
  margin-top: auto;
}

.footer-text {
  font-size: var(--font-size-sm);
  color: var(--color-muted);
  text-align: center;
  margin: 0;
}

/* ============================================================================
   BUTTONS
   ============================================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-sm);
  padding: var(--spacing-sm) var(--spacing-lg);
  font-size: var(--font-size-base);
  font-weight: 500;
  line-height: 1.5;
  border: 1px solid transparent;
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

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

.btn-primary:hover:not(:disabled) {
  background-color: var(--color-primary-600);
}

.btn-secondary {
  background-color: var(--color-surface);
  color: var(--color-text);
  border-color: var(--color-border);
}

.btn-secondary:hover:not(:disabled) {
  background-color: var(--color-bg);
}

.btn-success {
  background-color: var(--color-success);
  color: white;
}

.btn-success:hover:not(:disabled) {
  background-color: #15803D;
}

.btn-danger {
  background-color: var(--color-danger);
  color: white;
}

.btn-danger:hover:not(:disabled) {
  background-color: #B91C1C;
}

.btn-sm {
  padding: var(--spacing-xs) var(--spacing-md);
  font-size: var(--font-size-sm);
}

.btn-block {
  width: 100%;
}

/* ============================================================================
   CARDS
   ============================================================================ */

.card {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: box-shadow var(--transition-base);
}

.card:hover {
  box-shadow: var(--shadow-md);
}

.card-header {
  padding: var(--spacing-lg);
  border-bottom: 1px solid var(--color-border);
}

.card-body {
  padding: var(--spacing-lg);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: var(--spacing-lg);
}

.auth-card,
.form-card {
  max-width: 480px;
  margin: 0 auto;
}

/* ============================================================================
   AUTH PAGES - SPLIT SCREEN DESIGN
   ============================================================================ */

.auth-container {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--spacing-lg);
  background-color: var(--color-bg);
}

.auth-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  max-width: 1200px;
  width: 100%;
  background-color: var(--color-surface);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  height: 480px;
}

/* Left Side - Branding */
.auth-branding {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-600) 50%, var(--color-accent) 100%);
  color: white;
  padding: var(--spacing-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

.auth-branding::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.1) 0%, transparent 70%);
  animation: pulse 15s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 0.3; }
  50% { transform: scale(1.1); opacity: 0.5; }
}

.auth-branding-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 400px;
}

.auth-branding svg {
  filter: drop-shadow(0 4px 12px rgba(0,0,0,0.2));
}

.auth-branding h1 {
  font-size: 2.5rem;
  font-weight: 700;
  margin-bottom: var(--spacing-sm);
  color: white;
}

.auth-tagline {
  font-size: var(--font-size-base);
  color: rgba(255,255,255,0.9);
  margin-bottom: var(--spacing-lg);
  line-height: 1.4;
}

.auth-features {
  display: inline-grid;
  flex-direction: column;
  gap: var(--spacing-sm);
  text-align: left;
  align-items: flex-start;
}

.auth-feature {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  color: rgba(255,255,255,0.95);
  font-size: var(--font-size-sm);
  flex-direction: row-reverse;
  justify-content: flex-end;
}

.auth-feature svg {
  flex-shrink: 0;
  stroke-width: 2.5;
}

/* Right Side - Form */
.auth-form-side {
  padding: var(--spacing-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--color-surface);
}

.auth-form-container {
  width: 100%;
  max-width: 400px;
}

.auth-form-header {
  margin-bottom: var(--spacing-lg);
  text-align: center;
}

.auth-form-header h2 {
  font-size: var(--font-size-2xl);
  color: var(--color-text);
  margin-bottom: var(--spacing-xs);
}

.auth-form-header p {
  color: var(--color-muted);
  font-size: var(--font-size-base);
}

.auth-form {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.auth-divider {
  position: relative;
  text-align: center;
  margin: var(--spacing-lg) 0;
}

.auth-divider::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 0;
  right: 0;
  height: 1px;
  background-color: var(--color-border);
  z-index: 0;
}

.auth-divider span {
  position: relative;
  z-index: 1;
  background-color: var(--color-surface);
  padding: 0 var(--spacing-md);
  color: var(--color-muted);
  font-size: var(--font-size-sm);
}

/* Auth Responsive */
@media (max-width: 968px) {
  .auth-split {
    grid-template-columns: 1fr;
  }
  
  .auth-branding {
    display: none;
  }
  
  .auth-form-side {
    padding: var(--spacing-xl) var(--spacing-lg);
  }
}

@media (max-width: 480px) {
  .auth-container {
    padding: var(--spacing-sm);
  }
  
  .auth-form-side {
    padding: var(--spacing-lg) var(--spacing-md);
  }
  
  .auth-split {
    border-radius: var(--radius-lg);
  }
}

/* ============================================================================
   FORMS
   ============================================================================ */

.form {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xs);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--spacing-lg);
}

.form-group label {
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: var(--spacing-sm) var(--spacing-md);
  font-size: var(--font-size-base);
  line-height: 1.5;
  color: var(--color-text);
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-50);
}

.form-group textarea {
  resize: vertical;
  min-height: 100px;
}

.form-hint {
  font-size: var(--font-size-sm);
  color: var(--color-muted);
  margin-top: var(--spacing-xs);
}

.checkbox-group label {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  cursor: pointer;
}

.checkbox-group input[type="checkbox"] {
  width: auto;
  cursor: pointer;
}

/* ============================================================================
   VIEW CONTAINER
   ============================================================================ */

.view-container {
  max-width: 1000px;
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.view-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-xl);
  flex-wrap: wrap;
  gap: var(--spacing-md);
}

.view-header h2 {
  margin: 0;
}

/* ============================================================================
   SEARCH
   ============================================================================ */

.search-box {
  margin-bottom: var(--spacing-lg);
}

.search-input {
  width: 100%;
  max-width: 600px;
  padding: var(--spacing-md);
  font-size: var(--font-size-base);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background-color: var(--color-surface);
  transition: all var(--transition-fast);
}

.search-input:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px var(--color-primary-50);
}

/* ============================================================================
   BADGES
   ============================================================================ */

.badge {
  display: inline-flex;
  align-items: center;
  padding: var(--spacing-xs) var(--spacing-sm);
  font-size: var(--font-size-xs);
  font-weight: 600;
  text-transform: uppercase;
  border-radius: var(--radius-sm);
  letter-spacing: 0.025em;
}

.badge-primary {
  background-color: var(--color-primary-50);
  color: var(--color-primary);
}

.badge-secondary {
  background-color: var(--color-bg);
  color: var(--color-muted);
}

.badge-success {
  background-color: #DCFCE7;
  color: var(--color-success);
}

.badge-warning {
  background-color: #FEF3C7;
  color: #D97706;
}

.badge-danger {
  background-color: #FEE2E2;
  color: var(--color-danger);
}

.badge-info {
  background-color: #E0F2FE;
  color: var(--color-info);
}

/* ============================================================================
   LOAN SPECIFIC COMPONENTS
   ============================================================================ */

.loan-card {
  cursor: pointer;
}

.loan-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-sm);
}

.loan-summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: var(--spacing-lg);
  margin-bottom: var(--spacing-lg);
  padding-bottom: var(--spacing-lg);
  border-bottom: 1px solid var(--color-border);
}

.loan-summary-grid > div {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xs);
}

.loan-summary-grid label {
  font-size: var(--font-size-sm);
  color: var(--color-muted);
  font-weight: 500;
}

.loan-summary-grid h3 {
  margin: 0;
  font-size: var(--font-size-2xl);
}

.loan-details p {
  margin-bottom: var(--spacing-sm);
}

/* ============================================================================
   PROGRESS BAR
   ============================================================================ */

.progress-section {
  margin-bottom: var(--spacing-xl);
}

.progress-bar-container {
  background-color: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--spacing-lg);
}

.progress-bar-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-sm);
  font-size: var(--font-size-sm);
  font-weight: 500;
}

.progress-bar {
  width: 100%;
  height: 24px;
  background-color: var(--color-bg);
  border-radius: var(--radius-md);
  overflow: hidden;
  position: relative;
}

.progress-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary), var(--color-secondary));
  border-radius: var(--radius-md);
  transition: width var(--transition-slow);
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-right: var(--spacing-sm);
  color: white;
  font-size: var(--font-size-sm);
  font-weight: 600;
}

/* ============================================================================
   PAYMENT HISTORY
   ============================================================================ */

.payment-history {
  margin-top: var(--spacing-2xl);
}

.payment-history h3 {
  margin-bottom: var(--spacing-lg);
}

.payment-card {
  margin-bottom: var(--spacing-md);
}

.payment-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: var(--spacing-sm);
}

.attachments {
  margin-top: var(--spacing-md);
  padding-top: var(--spacing-md);
  border-top: 1px solid var(--color-border);
}

/* Loan Documents */
.loan-documents {
  margin-top: var(--spacing-2xl);
}

.loan-documents h3 {
  margin: 0;
}

.document-item {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  padding: var(--spacing-md);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  margin-bottom: var(--spacing-sm);
  background-color: var(--color-surface);
}

.document-icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--color-bg);
  border-radius: var(--radius-sm);
  font-size: 1.5rem;
  flex-shrink: 0;
}

.document-info {
  flex: 1;
  min-width: 0;
}

.document-name {
  font-weight: 500;
  margin: 0;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.document-meta {
  font-size: var(--font-size-sm);
  color: var(--color-muted);
  margin: 0.25rem 0 0 0;
}

.document-actions {
  display: flex;
  gap: var(--spacing-sm);
  flex-shrink: 0;
}

/* ============================================================================
   AVATAR
   ============================================================================ */

.avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--color-border);
  margin-bottom: var(--spacing-sm);
}

/* Avatar Upload */
.avatar-upload-container {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.avatar-preview {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  border: 3px solid var(--color-border);
  overflow: hidden;
  background-color: var(--color-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
}

.avatar-preview img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  margin: 0;
  border: none;
}

.avatar-placeholder {
  color: var(--color-muted);
  display: flex;
  align-items: center;
  justify-content: center;
}

.avatar-upload-actions {
  display: flex;
  gap: var(--spacing-sm);
  justify-content: center;
  align-items: center;
}

/* Loan Icon Upload */
.loan-icon-upload-container {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.loan-icon-preview {
  width: 80px;
  height: 80px;
  border-radius: var(--radius-md);
  border: 2px solid var(--color-border);
  overflow: hidden;
  background-color: var(--color-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto;
}

.loan-icon-preview img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.loan-icon-placeholder {
  color: var(--color-muted);
  display: flex;
  align-items: center;
  justify-content: center;
}

.loan-icon-actions {
  display: flex;
  gap: var(--spacing-sm);
  justify-content: center;
  align-items: center;
}

.loan-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  object-fit: cover;
  flex-shrink: 0;
  border: 1px solid var(--color-border);
}

.loan-icon-text {
  font-size: 2rem;
  line-height: 1;
}

.loan-card-header {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-md);
}

.loan-card-title {
  flex: 1;
  margin: 0;
  font-size: var(--font-size-lg);
  font-weight: 600;
}

/* ============================================================================
   UTILITY CLASSES
   ============================================================================ */

.text-muted {
  color: var(--color-muted);
}

.text-success {
  color: var(--color-success);
}

.text-warning {
  color: var(--color-warning);
}

.text-danger {
  color: var(--color-danger);
}

.text-info {
  color: var(--color-info);
}

/* ============================================================================
   LOADING STATES
   ============================================================================ */

.loading-container {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: var(--spacing-2xl);
  gap: var(--spacing-md);
}

.spinner {
  width: 48px;
  height: 48px;
  border: 4px solid var(--color-border);
  border-top-color: var(--color-primary);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

.loading {
  text-align: center;
  padding: var(--spacing-2xl);
  color: var(--color-muted);
}

/* ============================================================================
   EMPTY STATES
   ============================================================================ */

.empty-state {
  text-align: center;
  padding: var(--spacing-2xl);
  color: var(--color-muted);
}

.empty-state svg {
  margin: 0 auto var(--spacing-lg);
  color: var(--color-border);
}

.empty-state h3 {
  margin-bottom: var(--spacing-sm);
  color: var(--color-text);
}

.error-state {
  text-align: center;
  padding: var(--spacing-2xl);
  color: var(--color-danger);
  background-color: #FEE2E2;
  border-radius: var(--radius-lg);
}

/* ============================================================================
   TOASTS
   ============================================================================ */

.toast {
  position: fixed;
  bottom: var(--spacing-lg);
  right: var(--spacing-lg);
  background-color: var(--color-text);
  color: white;
  padding: var(--spacing-md) var(--spacing-lg);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  z-index: 1000;
  transform: translateY(100px);
  opacity: 0;
  transition: all var(--transition-base);
  max-width: 400px;
}

.toast.show {
  transform: translateY(0);
  opacity: 1;
}

.toast-success {
  background-color: var(--color-success);
}

.toast-error {
  background-color: var(--color-danger);
}

.toast-warning {
  background-color: var(--color-warning);
}

.toast-info {
  background-color: var(--color-info);
}

/* ============================================================================
   MODAL
   ============================================================================ */

.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  padding: var(--spacing-md);
}

.modal {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 1000;
  padding: var(--spacing-md);
}

.modal-content {
  background-color: var(--color-surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  max-width: 500px;
  width: 100%;
  max-height: 90vh;
  overflow: auto;
}

.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--spacing-lg);
  border-bottom: 1px solid var(--color-border);
}

.modal-header h3 {
  margin: 0;
}

.btn-close {
  background: none;
  border: none;
  font-size: 2rem;
  color: var(--color-muted);
  cursor: pointer;
  padding: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  line-height: 1;
}

.btn-close:hover {
  background-color: var(--color-bg);
  color: var(--color-text);
}

.modal-content .form {
  padding: var(--spacing-lg);
}

.modal-body {
  padding: var(--spacing-lg);
}

.modal-footer {
  display: flex;
  justify-content: flex-end;
  gap: var(--spacing-sm);
  padding: var(--spacing-lg);
  border-top: 1px solid var(--color-border);
}

/* ============================================================================
   RESPONSIVE DESIGN
   ============================================================================ */

@media (max-width: 768px) {
  .header-content {
    flex-direction: column;
    align-items: stretch;
  }
  
  .nav {
    flex-direction: column;
  }
  
  .nav-btn {
    width: 100%;
    text-align: center;
  }
  
  .card-grid {
    grid-template-columns: 1fr;
  }
  
  .view-header {
    flex-direction: column;
    align-items: stretch;
  }
  
  .loan-summary-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .form-row {
    grid-template-columns: 1fr;
  }
  
  .toast {
    right: var(--spacing-sm);
    left: var(--spacing-sm);
    bottom: var(--spacing-sm);
  }
}

@media (max-width: 480px) {
  :root {
    --font-size-3xl: 1.5rem;
    --font-size-2xl: 1.25rem;
  }
  
  .loan-summary-grid {
    grid-template-columns: 1fr;
  }
  
  .loan-summary-grid h3 {
    font-size: var(--font-size-xl);
  }
}

/* ============================================================================
   PRINT STYLES
   ============================================================================ */

@media print {
  .header,
  .footer,
  .nav,
  button,
  .btn {
    display: none;
  }
  
  body {
    background: white;
    color: black;
  }
  
  .card {
    border: 1px solid #000;
    box-shadow: none;
    page-break-inside: avoid;
  }
}

/* ============================================================================
   HOW IT WORKS PAGE STYLES
   ============================================================================ */

.how-it-works-hero {
  text-align: center;
  padding: var(--spacing-2xl) var(--spacing-lg);
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-accent) 100%);
  color: white;
  border-radius: var(--radius-xl);
  margin-bottom: var(--spacing-2xl);
}

.how-it-works-hero h1 {
  font-size: var(--font-size-3xl);
  font-weight: 700;
  margin-bottom: var(--spacing-sm);
}

.hero-subtitle {
  font-size: var(--font-size-lg);
  opacity: 0.95;
}

.how-it-works-example {
  margin-bottom: var(--spacing-2xl);
}

.example-header {
  text-align: center;
  margin-bottom: var(--spacing-2xl);
}

.example-header h2 {
  font-size: var(--font-size-2xl);
  color: var(--color-text);
  margin-bottom: var(--spacing-sm);
}

.example-header p {
  font-size: var(--font-size-md);
  color: var(--color-muted);
}

.steps-container {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-xl);
  max-width: 900px;
  margin: 0 auto;
}

.step-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--spacing-xl);
  box-shadow: var(--shadow-sm);
  display: grid;
  grid-template-columns: auto auto 1fr;
  gap: var(--spacing-lg);
  align-items: start;
  transition: all 0.2s ease;
}

.step-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
}

.step-number {
  width: 40px;
  height: 40px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: var(--font-size-lg);
  flex-shrink: 0;
}

.step-icon {
  font-size: 2.5rem;
  line-height: 1;
  flex-shrink: 0;
}

.step-content {
  min-width: 0;
}

.step-content h3 {
  font-size: var(--font-size-xl);
  color: var(--color-text);
  margin-bottom: var(--spacing-sm);
}

.step-description {
  font-size: var(--font-size-md);
  color: var(--color-muted);
  line-height: 1.6;
  margin-bottom: var(--spacing-md);
}

.step-example {
  background: var(--color-bg);
  border-radius: var(--radius-md);
  padding: var(--spacing-lg);
  margin-top: var(--spacing-md);
}

/* Step-specific layouts */
.step-actors {
  display: flex;
  gap: var(--spacing-xl);
  justify-content: center;
}

.actor {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--spacing-sm);
}

.actor-avatar {
  width: 60px;
  height: 60px;
  background: var(--color-primary);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--font-size-xl);
  font-weight: 700;
}

.actor span {
  font-size: var(--font-size-sm);
  color: var(--color-muted);
  font-weight: 500;
}

.step-flow {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  flex-wrap: wrap;
  justify-content: center;
}

.flow-item {
  background: white;
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--radius-md);
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text);
  border: 1px solid var(--color-border);
}

.flow-arrow {
  color: var(--color-primary);
  font-weight: 700;
}

.flow-arrow-down {
  display: block;
  text-align: center;
  color: var(--color-primary);
  font-size: var(--font-size-xl);
  font-weight: 700;
  margin: var(--spacing-sm) 0;
}

.loan-details-box {
  background: white;
  border-radius: var(--radius-md);
  padding: var(--spacing-md);
  border: 1px solid var(--color-border);
}

.detail-row {
  display: flex;
  justify-content: space-between;
  padding: var(--spacing-sm) 0;
  border-bottom: 1px solid var(--color-bg);
}

.detail-row:last-child {
  border-bottom: none;
}

.detail-label {
  font-weight: 500;
  color: var(--color-muted);
  font-size: var(--font-size-sm);
}

.detail-value {
  font-weight: 600;
  color: var(--color-text);
  font-size: var(--font-size-sm);
}

.status-flow {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-md);
}

.status-badge {
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: var(--font-size-sm);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.status-proposed {
  background: #FEF3C7;
  color: #92400E;
}

.status-active {
  background: #D1FAE5;
  color: #065F46;
}

.documents-list {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.doc-item {
  background: white;
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--radius-sm);
  font-size: var(--font-size-sm);
  border: 1px solid var(--color-border);
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
}

.doc-uploader {
  margin-left: auto;
  color: var(--color-muted);
  font-size: var(--font-size-xs);
  font-style: italic;
}

.payment-flow {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.payment-step {
  background: white;
  padding: var(--spacing-md);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.payment-step strong {
  display: block;
  color: var(--color-primary);
  margin-bottom: var(--spacing-xs);
  font-size: var(--font-size-sm);
}

.payment-step p {
  margin: 0;
  color: var(--color-text);
  font-size: var(--font-size-sm);
}

.interest-breakdown {
  background: white;
  border-radius: var(--radius-md);
  padding: var(--spacing-md);
  border: 1px solid var(--color-border);
}

.breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: var(--spacing-sm) 0;
  font-size: var(--font-size-sm);
  color: var(--color-text);
}

.breakdown-row.highlighted {
  background: var(--color-primary-50);
  margin: var(--spacing-sm) calc(-1 * var(--spacing-md));
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--radius-sm);
  font-weight: 600;
  color: var(--color-primary);
}

.breakdown-summary {
  margin-top: var(--spacing-md);
  padding-top: var(--spacing-md);
  border-top: 2px solid var(--color-border);
  font-size: var(--font-size-md);
  color: var(--color-text);
}

.audit-highlights {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: var(--spacing-sm);
}

.audit-item {
  background: white;
  padding: var(--spacing-sm) var(--spacing-md);
  border-radius: var(--radius-sm);
  font-size: var(--font-size-sm);
  color: var(--color-success);
  font-weight: 500;
  border: 1px solid var(--color-border);
}

/* Footer section */
.how-it-works-footer {
  margin-top: var(--spacing-2xl);
}

.footer-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: var(--spacing-xl);
  margin-bottom: var(--spacing-2xl);
  box-shadow: var(--shadow-sm);
}

.footer-card h3 {
  font-size: var(--font-size-xl);
  color: var(--color-text);
  margin-bottom: var(--spacing-lg);
  text-align: center;
}

.important-notes {
  display: grid;
  gap: var(--spacing-md);
}

.note-item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: var(--spacing-md);
  align-items: start;
}

.note-icon {
  font-size: var(--font-size-2xl);
  line-height: 1;
}

.note-item p {
  margin: 0;
  line-height: 1.6;
  color: var(--color-text);
  font-size: var(--font-size-md);
}

.cta-section {
  text-align: center;
  padding: var(--spacing-2xl);
  background: var(--color-bg);
  border-radius: var(--radius-lg);
}

.cta-section h2 {
  font-size: var(--font-size-2xl);
  color: var(--color-text);
  margin-bottom: var(--spacing-sm);
}

.cta-section p {
  font-size: var(--font-size-md);
  color: var(--color-muted);
  margin-bottom: var(--spacing-lg);
}

.btn-large {
  font-size: var(--font-size-lg);
  padding: var(--spacing-md) var(--spacing-2xl);
}

/* Responsive adjustments for How It Works */
@media (max-width: 768px) {
  .step-card {
    grid-template-columns: auto 1fr;
    gap: var(--spacing-md);
  }
  
  .step-icon {
    grid-column: 1 / -1;
    text-align: center;
    font-size: 2rem;
  }
  
  .step-number {
    width: 36px;
    height: 36px;
    font-size: var(--font-size-md);
  }
  
  .step-actors {
    flex-direction: column;
    gap: var(--spacing-md);
  }
  
  .step-flow {
    flex-direction: column;
    align-items: stretch;
  }
  
  .flow-arrow {
    transform: rotate(90deg);
    align-self: center;
  }
  
  .audit-highlights {
    grid-template-columns: 1fr;
  }
}

/* ============================================================================
   PAYMENT LINK SECTION
   ============================================================================ */

.payment-link-section {
  margin-bottom: var(--spacing-xl);
}

.payment-link-section .card {
  border-left: 4px solid var(--color-success);
}

.payment-link-section h3 {
  margin-bottom: var(--spacing-md);
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
}

.payment-link-content {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.payment-link-url {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  padding: var(--spacing-md);
  background-color: var(--color-bg);
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
}

.payment-link-url a {
  word-break: break-all;
  font-size: var(--font-size-sm);
}

.payment-link-icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.payment-link-button {
  display: inline-flex;
  align-items: center;
  gap: var(--spacing-sm);
  padding: var(--spacing-md) var(--spacing-xl);
  font-size: var(--font-size-lg);
  text-decoration: none;
  border-radius: var(--radius-lg);
}

.payment-link-button .payment-link-icon {
  font-size: 1.75rem;
}

.payment-link-note {
  font-size: var(--font-size-sm);
  margin-top: var(--spacing-sm);
}

.borrower-view {
  text-align: center;
  padding: var(--spacing-md);
}

.borrower-view p {
  margin-bottom: var(--spacing-md);
}

/* Payment Link Modal Styles */
.payment-link-examples {
  margin-top: var(--spacing-md);
  padding: var(--spacing-md);
  background-color: var(--color-bg);
  border-radius: var(--radius-md);
  font-size: var(--font-size-sm);
}

.payment-link-examples p {
  margin-bottom: var(--spacing-sm);
  color: var(--color-text);
}

.payment-link-examples ul {
  margin: 0;
  padding-left: var(--spacing-lg);
  color: var(--color-muted);
}

.payment-link-examples li {
  margin-bottom: var(--spacing-xs);
}

.btn-lg {
  padding: var(--spacing-md) var(--spacing-xl);
  font-size: var(--font-size-lg);
}