:root{--gold:#c8a44e;--gold-light:#e8d5a3;--gold-dark:#a8882e;--ink:#1a1a2e;--ink-mute:#6b7280;--bg:#fafafa;--card:#fff;--border:#e5e7eb;--green:#10b981;--red:#ef4444;--amber:#f59e0b;--radius:12px;--shadow:0 1px 3px #00000014, 0 1px 2px #0000000f}*{box-sizing:border-box;margin:0;padding:0}body{background:var(--bg);color:var(--ink);-webkit-font-smoothing:antialiased;font-family:Inter,-apple-system,BlinkMacSystemFont,sans-serif}h1,h2,h3,h4{font-family:Cormorant Garamond,serif;font-weight:700}.btn{border-radius:var(--radius);cursor:pointer;border:none;align-items:center;gap:8px;padding:12px 24px;font-size:15px;font-weight:600;text-decoration:none;transition:all .2s;display:inline-flex}.btn-gold{background:var(--gold);color:#fff}.btn-gold:hover{background:var(--gold-dark);transform:translateY(-1px)}.btn-outline{border:2px solid var(--gold);color:var(--gold);background:0 0}.btn-outline:hover{background:var(--gold);color:#fff}.btn-ghost{color:var(--ink-mute);background:0 0}.btn-ghost:hover{background:var(--border)}.btn-sm{padding:8px 16px;font-size:13px}.btn-danger{background:var(--red);color:#fff}.btn-danger:hover{opacity:.9}input,select,textarea{border:2px solid var(--border);border-radius:var(--radius);background:var(--card);outline:none;width:100%;padding:12px 16px;font-family:inherit;font-size:15px;transition:border-color .2s}input:focus,select:focus{border-color:var(--gold)}.card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px}.badge{border-radius:20px;align-items:center;gap:4px;padding:4px 10px;font-size:12px;font-weight:600;display:inline-flex}.badge-green{color:#065f46;background:#d1fae5}.badge-red{color:#991b1b;background:#fee2e2}.badge-amber{color:#92400e;background:#fef3c7}.badge-gray{color:#4b5563;background:#f3f4f6}.wrap{max-width:1200px;margin:0 auto;padding:0 24px}.hero{text-align:center;background:linear-gradient(135deg, var(--ink) 0%, #16213e 100%);color:#fff;padding:80px 0;position:relative;overflow:hidden}.hero:after{content:"";background:radial-gradient(circle,#c8a44e14 0%,#0000 70%);border-radius:50%;width:600px;height:600px;position:absolute;top:-200px;right:-200px}.hero h1{margin-bottom:16px;font-size:clamp(2rem,5vw,3.5rem);line-height:1.1}.hero h1 em{color:var(--gold);font-style:normal}.hero p{color:#ffffffb3;max-width:600px;margin:0 auto 32px;font-size:1.1rem;line-height:1.6}.hero-ctas{flex-wrap:wrap;justify-content:center;gap:12px;display:flex}.steps-section{padding:80px 0}.steps-section h2{text-align:center;margin-bottom:48px;font-size:2rem}.steps-grid{grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:32px;display:grid}.step{text-align:center;padding:32px}.step-no{color:var(--gold);letter-spacing:2px;margin-bottom:8px;font-size:14px;font-weight:700}.step h3{margin-bottom:8px;font-size:1.2rem}.step p{color:var(--ink-mute);line-height:1.5}.step-time{color:var(--gold);margin-top:8px;font-size:13px;font-weight:600}.features{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;margin:48px 0;display:grid}.feature{text-align:center;padding:32px}.feature h4{margin-bottom:8px}.feature p{color:var(--ink-mute);font-size:14px;line-height:1.5}.cta-band{background:linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);text-align:center;color:#fff;padding:64px 0}.cta-band h2{margin-bottom:12px;font-size:2rem}.cta-band p{opacity:.9;margin-bottom:24px}.footer{background:var(--ink);color:#fff9;text-align:center;padding:32px 0;font-size:14px}.login-page{background:linear-gradient(135deg, var(--ink) 0%, #16213e 100%);justify-content:center;align-items:center;min-height:100vh;padding:24px;display:flex}.login-card{background:var(--card);border-radius:16px;width:100%;max-width:420px;padding:40px;box-shadow:0 20px 60px #0000004d}.login-card h2{margin-bottom:8px}.login-card p{color:var(--ink-mute);margin-bottom:24px;font-size:14px}.login-card .field{margin-bottom:16px}.login-card .field label{color:var(--ink-mute);margin-bottom:4px;font-size:13px;font-weight:600;display:block}.login-card .btn{justify-content:center;width:100%;margin-top:8px}.login-card .error{color:#991b1b;background:#fee2e2;border-radius:8px;margin-bottom:16px;padding:12px;font-size:13px}.app-shell{min-height:100vh;display:flex}.app-sidebar{background:var(--ink);color:#fff;flex-direction:column;flex-shrink:0;width:240px;padding:24px;display:flex}.app-sidebar h3{color:var(--gold);margin-bottom:32px;font-size:1.1rem}.app-sidebar nav{flex-direction:column;flex:1;gap:4px;display:flex}.app-sidebar nav a{color:#fff9;border-radius:8px;padding:10px 12px;font-size:14px;text-decoration:none;transition:all .2s}.app-sidebar nav a:hover,.app-sidebar nav a.active{color:#fff;background:#ffffff1a}.app-sidebar .logout{color:#fff6;cursor:pointer;text-align:left;background:0 0;border:none;border-radius:8px;margin-top:auto;padding:10px 12px;font-size:14px;transition:all .2s}.app-sidebar .logout:hover{color:var(--red)}.app-main{flex:1;padding:32px;overflow-y:auto}.app-main h2{margin-bottom:24px}.dashboard-grid{grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-bottom:32px;display:grid}.stat-card{padding:20px}.stat-card .label{color:var(--ink-mute);margin-bottom:4px;font-size:13px}.stat-card .value{font-size:1.8rem;font-weight:700}.loan-card{border:1px solid var(--border);border-radius:var(--radius);margin-bottom:12px;padding:20px}.loan-card .header{justify-content:space-between;align-items:center;margin-bottom:12px;display:flex}.loan-card .amount{font-size:1.4rem;font-weight:700}.loan-card .details{grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:8px;display:grid}.loan-card .details dt{color:var(--ink-mute);font-size:12px}.loan-card .details dd{font-weight:600}.admin-header{justify-content:space-between;align-items:center;margin-bottom:24px;display:flex}.admin-tabs{border-bottom:2px solid var(--border);gap:0;margin-bottom:24px;display:flex}.admin-tabs button{cursor:pointer;color:var(--ink-mute);background:0 0;border:none;border-bottom:2px solid #0000;margin-bottom:-2px;padding:12px 24px;font-size:14px;font-weight:600;transition:all .2s}.admin-tabs button.active{color:var(--gold);border-bottom-color:var(--gold)}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%}th,td{text-align:left;border-bottom:1px solid var(--border);padding:12px 16px;font-size:14px}th{color:var(--ink-mute);text-transform:uppercase;letter-spacing:.5px;font-size:13px;font-weight:600}tr:hover td{background:#f9fafb}.modal-overlay{z-index:100;background:#00000080;justify-content:center;align-items:center;display:flex;position:fixed;inset:0}.modal{background:var(--card);border-radius:16px;width:90%;max-width:560px;max-height:90vh;padding:32px;overflow-y:auto}.modal h3{margin-bottom:16px}.modal .field{margin-bottom:12px}.modal .field label{color:var(--ink-mute);margin-bottom:4px;font-size:13px;font-weight:600;display:block}.chat-page{background:linear-gradient(135deg, var(--ink) 0%, #16213e 100%);justify-content:center;align-items:center;min-height:100vh;padding:24px;display:flex}.chat-container{background:var(--card);border-radius:16px;flex-direction:column;width:100%;max-width:560px;height:80vh;display:flex;overflow:hidden;box-shadow:0 20px 60px #0000004d}.chat-header{border-bottom:1px solid var(--border);text-align:center;padding:20px}.chat-header h3{color:var(--gold);margin:0}.chat-header p{color:var(--ink-mute);margin:4px 0 0;font-size:13px}.chat-messages{flex-direction:column;flex:1;gap:12px;padding:20px;display:flex;overflow-y:auto}.chat-msg{white-space:pre-wrap;border-radius:16px;max-width:85%;padding:14px 18px;font-size:14px;line-height:1.5;animation:.3s fadeIn}.chat-msg.bot{color:var(--ink);background:#f3f4f6;border-bottom-left-radius:4px;align-self:flex-start}.chat-msg.user{background:var(--gold);color:#fff;border-bottom-right-radius:4px;align-self:flex-end}.chat-msg.loading{background:#f3f4f6;align-self:flex-start}.chat-msg.loading:after{content:"...";animation:1.5s infinite dots}@keyframes fadeIn{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}@keyframes dots{0%,20%{content:"."}40%{content:".."}60%,to{content:"..."}}.chat-input{border-top:1px solid var(--border);gap:8px;padding:16px;display:flex}.chat-input input{flex:1}.proposal-card{border:2px solid var(--gold);border-radius:var(--radius);background:linear-gradient(135deg,#fffbeb 0%,#fef3c7 100%);margin:12px 0;padding:24px}.proposal-card .row{border-bottom:1px solid #c8a44e33;justify-content:space-between;padding:8px 0;display:flex}.proposal-card .row:last-child{border-bottom:none;font-size:1.1rem;font-weight:700}.proposal-card .label{color:var(--ink-mute);font-size:14px}.proposal-card .value{font-weight:600}.kyc-status{flex-direction:column;gap:8px;margin:12px 0;display:flex}.kyc-item{border-radius:8px;align-items:center;gap:8px;padding:10px 14px;font-size:13px;display:flex}.kyc-item.done{color:#065f46;background:#d1fae5}.kyc-item.pending{color:#92400e;background:#fef3c7}.penalty-banner{border-radius:var(--radius);background:#fee2e2;border:1px solid #fecaca;margin-bottom:16px;padding:16px}.penalty-banner h4{color:var(--red);margin-bottom:4px}.penalty-banner p{color:#991b1b;font-size:13px}.penalty-banner .amount{color:var(--red);font-size:1.5rem;font-weight:700}input[type=range]{-webkit-appearance:none;background:var(--border);border:none;border-radius:4px;height:8px;padding:0}input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;background:var(--gold);cursor:pointer;border-radius:50%;width:24px;height:24px}input[type=file]{border:none;padding:0}.file-upload{background:var(--gold);color:#fff;border-radius:var(--radius);cursor:pointer;align-items:center;gap:8px;padding:12px 20px;font-size:14px;font-weight:600;transition:all .2s;display:inline-flex;position:relative}.file-upload:hover{background:var(--gold-dark)}.file-upload input{opacity:0;cursor:pointer;position:absolute;inset:0}@media (width<=768px){.app-shell{flex-direction:column}.app-sidebar{flex-direction:row;align-items:center;width:100%;padding:16px}.app-sidebar h3{margin-bottom:0;margin-right:auto}.app-sidebar nav{flex-direction:row;gap:8px}.app-sidebar .logout{margin-top:0}.chat-container{border-radius:0;height:90vh}.app-main{padding:16px}}