/* ============================================================
   MicroLend Pro - Main Stylesheet
   Aesthetic: Dark luxury fintech with gold accents
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Syne:wght@400;500;600;700;800&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;1,9..40,300&display=swap');

:root {
  --primary: #f4b942;
  --primary-dark: #d49a2a;
  --primary-light: #ffd97d;
  --bg-dark: #0a0a0f;
  --bg-card: #12121a;
  --bg-elevated: #1a1a26;
  --bg-hover: #222232;
  --text-primary: #f0f0f8;
  --text-secondary: #8888aa;
  --text-muted: #555570;
  --border: #2a2a3a;
  --border-light: #333344;
  --success: #22c55e;
  --danger: #ef4444;
  --warning: #f59e0b;
  --info: #3b82f6;
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(0,0,0,0.4);
  --shadow-gold: 0 4px 24px rgba(244,185,66,0.2);
  --transition: all 0.2s ease;
  --font-display: 'Syne', sans-serif;
  --font-body: 'DM Sans', sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  background: var(--bg-dark);
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 15px;
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */
h1,h2,h3,h4,h5,h6 { font-family: var(--font-display); font-weight: 700; line-height: 1.2; color: var(--text-primary); }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.6rem, 4vw, 2.5rem); }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.25rem; }
a { color: var(--primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--primary-light); }
p { color: var(--text-secondary); }
small { font-size: 0.8rem; color: var(--text-muted); }

/* ============================================================
   LAYOUT
   ============================================================ */
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.container-sm { max-width: 540px; margin: 0 auto; padding: 0 20px; }
.container-md { max-width: 800px; margin: 0 auto; padding: 0 20px; }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  background: rgba(10,10,15,0.95);
  border-bottom: 1px solid var(--border);
  padding: 0 24px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(12px);
}

.navbar-brand {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--text-primary);
  display: flex;
  align-items: center;
  gap: 10px;
}

.navbar-brand span { color: var(--primary); }

.navbar-brand .logo-icon {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
}

.navbar-nav { display: flex; align-items: center; gap: 8px; list-style: none; }
.navbar-nav a {
  color: var(--text-secondary);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  transition: var(--transition);
}
.navbar-nav a:hover, .navbar-nav a.active { color: var(--text-primary); background: var(--bg-elevated); }

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

/* ============================================================
   SIDEBAR (Dashboard)
   ============================================================ */
.layout-sidebar {
  display: flex;
  min-height: calc(100vh - 64px);
}

.sidebar {
  width: 260px;
  background: var(--bg-card);
  border-right: 1px solid var(--border);
  padding: 24px 0;
  position: sticky;
  top: 64px;
  height: calc(100vh - 64px);
  overflow-y: auto;
  flex-shrink: 0;
}

.sidebar-section { padding: 8px 16px; margin-bottom: 4px; }
.sidebar-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  padding: 12px 16px 6px;
}

.sidebar-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 16px;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  margin: 2px 8px;
  font-size: 0.9rem;
  font-weight: 500;
  transition: var(--transition);
}

.sidebar-link:hover {
  color: var(--text-primary);
  background: var(--bg-elevated);
}

.sidebar-link.active {
  color: var(--primary);
  background: rgba(244,185,66,0.1);
  font-weight: 600;
}

.sidebar-link .icon { width: 18px; font-size: 16px; text-align: center; }

.sidebar-link .badge-dot {
  width: 6px; height: 6px;
  background: var(--danger);
  border-radius: 50%;
  margin-left: auto;
}

.main-content { flex: 1; padding: 32px; min-width: 0; overflow-x: hidden; }

/* ============================================================
   CARDS
   ============================================================ */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  transition: var(--transition);
}

.card:hover { border-color: var(--border-light); }
.card-header { margin-bottom: 20px; }
.card-title { font-family: var(--font-display); font-size: 1rem; font-weight: 700; margin-bottom: 4px; }
.card-subtitle { font-size: 0.8rem; color: var(--text-muted); }

.card-elevated { background: var(--bg-elevated); }
.card-gold { border-color: rgba(244,185,66,0.3); background: linear-gradient(135deg, rgba(244,185,66,0.05), var(--bg-card)); }

/* Stat Cards */
.stat-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 24px;
  position: relative;
  overflow: hidden;
}

.stat-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--gradient, linear-gradient(90deg, var(--primary), var(--primary-dark)));
}

.stat-label { font-size: 0.8rem; color: var(--text-muted); font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; margin-bottom: 8px; }
.stat-value { font-family: var(--font-display); font-size: 1.8rem; font-weight: 800; color: var(--text-primary); }
.stat-sub { font-size: 0.8rem; color: var(--text-secondary); margin-top: 4px; }
.stat-icon { position: absolute; right: 20px; top: 50%; transform: translateY(-50%); font-size: 2rem; opacity: 0.15; }

.stat-trend { font-size: 0.8rem; display: flex; align-items: center; gap: 4px; margin-top: 6px; }
.stat-trend.up { color: var(--success); }
.stat-trend.down { color: var(--danger); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  border: 1px solid transparent;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
  line-height: 1;
}

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

.btn-primary {
  background: var(--primary);
  color: var(--bg-dark);
  border-color: var(--primary);
}
.btn-primary:hover:not(:disabled) {
  background: var(--primary-light);
  border-color: var(--primary-light);
  color: var(--bg-dark);
  box-shadow: var(--shadow-gold);
}

.btn-secondary {
  background: var(--bg-elevated);
  color: var(--text-primary);
  border-color: var(--border-light);
}
.btn-secondary:hover:not(:disabled) { background: var(--bg-hover); }

.btn-danger { background: var(--danger); color: white; border-color: var(--danger); }
.btn-success { background: var(--success); color: white; border-color: var(--success); }
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover:not(:disabled) { background: rgba(244,185,66,0.1); }

.btn-sm { padding: 7px 14px; font-size: 0.8rem; }
.btn-lg { padding: 14px 28px; font-size: 1rem; }
.btn-block { width: 100%; }

.btn-icon { padding: 8px; border-radius: 6px; }

/* ============================================================
   FORMS
   ============================================================ */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 8px;
  letter-spacing: 0.03em;
}
.form-label .required { color: var(--danger); margin-left: 2px; }

.form-control {
  width: 100%;
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 11px 14px;
  color: var(--text-primary);
  font-family: var(--font-body);
  font-size: 0.95rem;
  transition: var(--transition);
  outline: none;
  appearance: none;
}

.form-control:focus {
  border-color: var(--primary);
  background: var(--bg-hover);
  box-shadow: 0 0 0 3px rgba(244,185,66,0.1);
}

.form-control::placeholder { color: var(--text-muted); }
.form-control:read-only { opacity: 0.6; cursor: not-allowed; }

select.form-control {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='none' viewBox='0 0 20 20'%3E%3Cpath stroke='%238888aa' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='M6 8l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  background-size: 20px;
  padding-right: 40px;
}

.form-hint { font-size: 0.78rem; color: var(--text-muted); margin-top: 5px; }
.form-error { font-size: 0.78rem; color: var(--danger); margin-top: 5px; }

.input-group { position: relative; }
.input-group .form-control { padding-left: 44px; }
.input-group .input-icon {
  position: absolute;
  left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--text-muted); font-size: 16px;
}

.input-group-right .form-control { padding-right: 44px; }
.input-group-right .input-icon-right {
  position: absolute;
  right: 14px; top: 50%; transform: translateY(-50%);
  color: var(--text-muted); cursor: pointer;
}

/* OTP Input */
.otp-group { display: flex; gap: 10px; }
.otp-input {
  width: 52px; height: 56px;
  text-align: center;
  font-size: 1.4rem;
  font-weight: 700;
  font-family: var(--font-display);
  background: var(--bg-elevated);
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  outline: none;
}
.otp-input:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(244,185,66,0.15); }

/* Range Slider */
.form-range {
  width: 100%;
  height: 6px;
  appearance: none;
  background: var(--border);
  border-radius: 3px;
  outline: none;
}
.form-range::-webkit-slider-thumb {
  appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--primary);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(244,185,66,0.4);
}

/* ============================================================
   ALERTS & BADGES
   ============================================================ */
.alert {
  padding: 14px 18px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  display: flex; align-items: flex-start; gap: 10px;
  border: 1px solid;
  margin-bottom: 16px;
}

.alert-success { background: rgba(34,197,94,0.1); border-color: rgba(34,197,94,0.3); color: #4ade80; }
.alert-danger  { background: rgba(239,68,68,0.1); border-color: rgba(239,68,68,0.3); color: #f87171; }
.alert-warning { background: rgba(245,158,11,0.1); border-color: rgba(245,158,11,0.3); color: #fbbf24; }
.alert-info    { background: rgba(59,130,246,0.1); border-color: rgba(59,130,246,0.3); color: #60a5fa; }

.badge {
  display: inline-flex; align-items: center;
  padding: 3px 10px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.03em;
}

.badge-success  { background: rgba(34,197,94,0.15); color: #4ade80; }
.badge-danger   { background: rgba(239,68,68,0.15); color: #f87171; }
.badge-warning  { background: rgba(245,158,11,0.15); color: #fbbf24; }
.badge-primary  { background: rgba(244,185,66,0.15); color: var(--primary); }
.badge-secondary{ background: rgba(136,136,170,0.15); color: var(--text-secondary); }
.badge-info     { background: rgba(59,130,246,0.15); color: #60a5fa; }

/* ============================================================
   TABLES
   ============================================================ */
.table-wrapper { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; }
th {
  background: var(--bg-elevated);
  color: var(--text-secondary);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 12px 16px;
  text-align: left;
  white-space: nowrap;
  border-bottom: 1px solid var(--border);
}
td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text-secondary);
  vertical-align: middle;
}
tr:last-child td { border-bottom: none; }
tr:hover td { background: rgba(255,255,255,0.02); }
.td-primary { color: var(--text-primary); font-weight: 500; }
.td-amount { font-family: var(--font-display); font-weight: 700; color: var(--primary); }

/* ============================================================
   CREDIT SCORE WIDGET
   ============================================================ */
.credit-score-ring {
  position: relative;
  width: 160px; height: 160px;
  margin: 0 auto;
}

.credit-score-ring svg { transform: rotate(-90deg); }

.credit-score-ring .track { fill: none; stroke: var(--border); stroke-width: 12; }
.credit-score-ring .progress {
  fill: none; stroke-width: 12;
  stroke-linecap: round;
  transition: stroke-dashoffset 1.2s cubic-bezier(0.4,0,0.2,1);
}

.credit-score-center {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}

.credit-score-value {
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 800;
  line-height: 1;
}

.credit-score-label { font-size: 0.7rem; color: var(--text-muted); margin-top: 2px; }

/* ============================================================
   LOAN CARD
   ============================================================ */
.loan-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px;
  transition: var(--transition);
}

.loan-card:hover { border-color: var(--border-light); transform: translateY(-2px); box-shadow: var(--shadow); }

.loan-card-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 16px; }
.loan-number { font-family: var(--font-display); font-size: 0.8rem; color: var(--text-muted); font-weight: 700; letter-spacing: 0.1em; }

.loan-amount { font-family: var(--font-display); font-size: 1.8rem; font-weight: 800; color: var(--primary); }
.loan-tenure { font-size: 0.85rem; color: var(--text-secondary); }

.loan-progress { margin: 16px 0; }
.progress-bar-track { background: var(--border); height: 6px; border-radius: 3px; overflow: hidden; }
.progress-bar-fill { height: 100%; background: linear-gradient(90deg, var(--primary), var(--primary-light)); border-radius: 3px; transition: width 0.8s ease; }
.progress-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--text-muted); margin-top: 6px; }

/* ============================================================
   EMI TIMELINE
   ============================================================ */
.emi-timeline { display: flex; flex-direction: column; gap: 0; }

.emi-item {
  display: flex; align-items: center; gap: 16px;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

.emi-item:last-child { border-bottom: none; }
.emi-item:hover { background: rgba(255,255,255,0.02); margin: 0 -16px; padding: 12px 16px; border-radius: 8px; }

.emi-dot {
  width: 32px; height: 32px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 800;
  flex-shrink: 0;
}

.emi-dot.paid     { background: rgba(34,197,94,0.15); color: #4ade80; }
.emi-dot.pending  { background: rgba(244,185,66,0.15); color: var(--primary); }
.emi-dot.overdue  { background: rgba(239,68,68,0.15); color: #f87171; }
.emi-dot.partial  { background: rgba(245,158,11,0.15); color: #fbbf24; }

.emi-info { flex: 1; }
.emi-date { font-size: 0.8rem; color: var(--text-muted); }
.emi-amount { font-family: var(--font-display); font-weight: 700; font-size: 1rem; }
.emi-amount.overdue { color: var(--danger); }

/* ============================================================
   AUTH PAGES
   ============================================================ */
.auth-page {
  min-height: 100vh;
  display: flex;
  background: var(--bg-dark);
}

.auth-panel-left {
  flex: 1;
  background: linear-gradient(135deg, var(--bg-card) 0%, #0d0d1a 100%);
  display: flex; align-items: center; justify-content: center;
  padding: 60px;
  position: relative;
  overflow: hidden;
}

.auth-panel-left::before {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(244,185,66,0.08) 0%, transparent 70%);
  top: -100px; right: -100px;
}

.auth-panel-left::after {
  content: '';
  position: absolute;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(59,130,246,0.06) 0%, transparent 70%);
  bottom: -80px; left: -80px;
}

.auth-panel-right {
  width: 480px;
  background: var(--bg-card);
  border-left: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  padding: 60px 48px;
}

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

.auth-logo {
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 40px;
}

.auth-logo .logo-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
}

.auth-logo-text { font-family: var(--font-display); font-size: 1.4rem; font-weight: 800; }
.auth-logo-text span { color: var(--primary); }

.auth-hero { max-width: 460px; position: relative; z-index: 1; }
.auth-hero h1 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 20px; color: var(--text-primary); }
.auth-hero p { font-size: 1.1rem; color: var(--text-secondary); margin-bottom: 40px; }

.auth-features { display: flex; flex-direction: column; gap: 16px; }
.auth-feature {
  display: flex; align-items: center; gap: 12px;
  font-size: 0.9rem; color: var(--text-secondary);
}
.auth-feature .check {
  width: 24px; height: 24px;
  background: rgba(34,197,94,0.15);
  color: #4ade80;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; flex-shrink: 0;
}

/* ============================================================
   TABS
   ============================================================ */
.tabs { display: flex; border-bottom: 1px solid var(--border); margin-bottom: 24px; gap: 4px; }
.tab-btn {
  padding: 10px 20px;
  background: none;
  border: none;
  border-bottom: 2px solid transparent;
  color: var(--text-secondary);
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
  margin-bottom: -1px;
}
.tab-btn:hover { color: var(--text-primary); }
.tab-btn.active { color: var(--primary); border-bottom-color: var(--primary); }
.tab-content { display: none; }
.tab-content.active { display: block; }

/* ============================================================
   MODALS
   ============================================================ */
.modal-overlay {
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.7);
  backdrop-filter: blur(4px);
  display: flex; align-items: center; justify-content: center;
  z-index: 1000;
  opacity: 0; pointer-events: none;
  transition: opacity 0.2s;
}

.modal-overlay.show { opacity: 1; pointer-events: all; }

.modal {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  max-width: 480px; width: calc(100% - 40px);
  transform: translateY(20px);
  transition: transform 0.2s;
}

.modal-overlay.show .modal { transform: translateY(0); }

.modal-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.modal-title { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; }
.modal-close { background: none; border: none; color: var(--text-muted); font-size: 20px; cursor: pointer; padding: 4px; border-radius: 4px; }
.modal-close:hover { color: var(--text-primary); background: var(--bg-elevated); }

/* ============================================================
   GRID SYSTEM
   ============================================================ */
.grid { display: grid; }
.grid-2 { grid-template-columns: repeat(2, 1fr); gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { grid-template-columns: repeat(4, 1fr); gap: 20px; }

@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .auth-panel-left { display: none; }
  .auth-panel-right { width: 100%; }
  .sidebar { display: none; }
  .main-content { padding: 20px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .navbar-nav { display: none; }
}

/* ============================================================
   PAGE HEADER
   ============================================================ */
.page-header {
  display: flex; justify-content: space-between; align-items: flex-start;
  margin-bottom: 32px; flex-wrap: wrap; gap: 16px;
}

.page-title { font-size: 1.6rem; font-weight: 800; margin-bottom: 4px; }
.page-subtitle { font-size: 0.9rem; color: var(--text-secondary); }

/* ============================================================
   STEP INDICATOR
   ============================================================ */
.step-indicator { display: flex; align-items: center; gap: 0; margin-bottom: 40px; }

.step {
  display: flex; flex-direction: column; align-items: center;
  position: relative; flex: 1;
}

.step-circle {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--bg-elevated);
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem; font-weight: 700;
  color: var(--text-muted); z-index: 1;
  transition: var(--transition);
}

.step.active .step-circle {
  border-color: var(--primary);
  background: rgba(244,185,66,0.15);
  color: var(--primary);
}

.step.done .step-circle {
  border-color: var(--success);
  background: var(--success);
  color: white;
}

.step-label { font-size: 0.75rem; color: var(--text-muted); margin-top: 6px; font-weight: 600; }
.step.active .step-label { color: var(--primary); }

.step-line {
  flex: 1;
  height: 2px;
  background: var(--border);
  margin-top: -18px;
}

.step-line.done { background: var(--success); }

/* ============================================================
   MISCELLANEOUS
   ============================================================ */
.divider { border: none; border-top: 1px solid var(--border); margin: 24px 0; }
.text-primary-c { color: var(--primary) !important; }
.text-success  { color: var(--success) !important; }
.text-danger   { color: var(--danger) !important; }
.text-muted    { color: var(--text-muted) !important; }
.text-right    { text-align: right; }
.text-center   { text-align: center; }
.mt-4 { margin-top: 16px; }
.mt-8 { margin-top: 32px; }
.mb-4 { margin-bottom: 16px; }
.mb-8 { margin-bottom: 32px; }
.flex { display: flex; }
.flex-between { display: flex; justify-content: space-between; align-items: center; }
.items-center { align-items: center; }
.gap-2 { gap: 8px; }
.gap-4 { gap: 16px; }
.w-full { width: 100%; }

/* Spinner */
.spinner {
  width: 20px; height: 20px;
  border: 2px solid var(--border);
  border-top-color: var(--primary);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

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

.loading-overlay {
  position: fixed; inset: 0;
  background: rgba(10,10,15,0.8);
  display: flex; align-items: center; justify-content: center;
  z-index: 9999;
  display: none;
}

.loading-overlay.show { display: flex; }

/* KYC Upload */
.upload-zone {
  border: 2px dashed var(--border);
  border-radius: var(--radius);
  padding: 32px;
  text-align: center;
  transition: var(--transition);
  cursor: pointer;
  position: relative;
}

.upload-zone:hover, .upload-zone.dragover {
  border-color: var(--primary);
  background: rgba(244,185,66,0.03);
}

.upload-zone input[type="file"] {
  position: absolute; inset: 0; opacity: 0; cursor: pointer;
}

.upload-icon { font-size: 2rem; margin-bottom: 12px; color: var(--text-muted); }
.upload-text { font-weight: 600; color: var(--text-secondary); margin-bottom: 4px; }

/* Notification Bell */
.notif-bell { position: relative; }
.notif-badge {
  position: absolute;
  top: -2px; right: -2px;
  width: 16px; height: 16px;
  background: var(--danger);
  border-radius: 50%;
  font-size: 0.65rem;
  font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  color: white; border: 2px solid var(--bg-dark);
}

/* Loan Calculator */
.calc-display {
  background: var(--bg-dark);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  text-align: center;
  margin-bottom: 24px;
}

.calc-display .emi-value {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}

/* Scrollbar */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg-dark); }
::-webkit-scrollbar-thumb { background: var(--border-light); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--text-muted); }

/* Animate in */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

.animate-in { animation: fadeInUp 0.4s ease forwards; }
.animate-in-delay-1 { animation-delay: 0.1s; opacity: 0; animation-fill-mode: forwards; }
.animate-in-delay-2 { animation-delay: 0.2s; opacity: 0; animation-fill-mode: forwards; }
.animate-in-delay-3 { animation-delay: 0.3s; opacity: 0; animation-fill-mode: forwards; }