:root{
  --bg:#f4f6f9; --panel:#fff; --ink:#1b2430; --muted:#6b7686; --line:#e3e7ee;
  --brand:#0f3d5e; --brand2:#137a8a; --accent:#e8f3f5;
  --ok:#1f8a4c; --warn:#b7791f; --bad:#c0392b; --info:#2b6cb0;
  --r:10px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:14px/1.45 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand2)}
button{font:inherit}
.shell{display:flex;min-height:100vh}
nav.side{width:220px;background:var(--brand);color:#cfe0ec;padding:18px 12px;flex-shrink:0;position:sticky;top:0;height:100vh;overflow:auto}
nav.side .logo{color:#fff;font-weight:700;font-size:17px;padding:0 8px 18px}
nav.side .logo small{display:block;font-weight:400;font-size:11.5px;color:#9fbdd2}
nav.side a{display:flex;justify-content:space-between;align-items:center;color:inherit;text-decoration:none;padding:9px 10px;border-radius:8px;margin-bottom:2px}
nav.side a:hover{background:rgba(255,255,255,.08)}
nav.side a.on{background:rgba(255,255,255,.15);color:#fff;font-weight:600}
nav.side .count{background:#e8a33d;color:#2b1a00;border-radius:10px;padding:0 7px;font-size:11.5px;font-weight:700}
nav.side .sep{height:1px;background:rgba(255,255,255,.12);margin:12px 4px}
nav.side .me{font-size:12px;color:#9fbdd2;padding:8px 10px}
main{flex:1;min-width:0;padding:22px 28px 60px}
.top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px;flex-wrap:wrap}
.top h1{margin:0;font-size:21px}
select,input,textarea{font:inherit;padding:8px 10px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);max-width:100%}
textarea{width:100%;min-height:70px}
.btn{font:inherit;border:1px solid var(--line);background:#fff;padding:8px 13px;border-radius:8px;cursor:pointer;color:var(--ink);white-space:nowrap;text-decoration:none;display:inline-block}
.btn:hover{border-color:#c4ccd8}
.btn.pri{background:var(--brand2);border-color:var(--brand2);color:#fff}
.btn.pri:hover{background:#0f6875}
.btn.danger{color:var(--bad)}
.btn[disabled]{opacity:.45;cursor:not-allowed}
.btn.small{padding:4px 9px;font-size:12.5px}
.card{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;margin-bottom:16px}
.card h3{margin:0 0 12px;font-size:15px}
.card h3 .edit{float:right;font-size:13px;font-weight:400}
.section-head{font-size:12.5px;color:var(--muted);margin:6px 0 8px;text-transform:uppercase;letter-spacing:.5px}
.section-head span{text-transform:none;letter-spacing:0;font-weight:400}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(165px,1fr));gap:12px;margin-bottom:16px}
.kpi{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:13px 15px}
.kpi .l{font-size:12px;color:var(--muted)}
.kpi .v{font-size:21px;font-weight:700;margin-top:2px}
.kpi .s{font-size:12px;color:var(--muted)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
table{width:100%;border-collapse:collapse}
th{text-align:left;font-size:12px;color:var(--muted);font-weight:600;padding:8px 10px;border-bottom:1px solid var(--line);white-space:nowrap}
td{padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}
tr.click{cursor:pointer}
tr.click:hover td{background:#f8fafc}
tr.sub td{background:#fafbfc}
.num{text-align:right;font-variant-numeric:tabular-nums}
.pill{display:inline-block;padding:2px 9px;border-radius:12px;font-size:12px;font-weight:600;white-space:nowrap}
.st-new{background:#fdf0dc;color:#8a5a12}.st-review{background:#e9e4fb;color:#5a3fb0}.st-sent{background:#e1eefb;color:#25609e}
.st-signed{background:#dcf3f6;color:#0f6875}.st-funded{background:#dcf2e6;color:#1f7a45}.st-paid{background:#e7ebef;color:#46525f}
.st-declined{background:#f6e7d8;color:#8a4b12}.st-defaulted{background:#fbe1de;color:#a83224}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:12px}
.tabs button{border:1px solid var(--line);background:#fff;border-radius:16px;padding:6px 12px;font-size:13px;cursor:pointer}
.tabs button.on{background:var(--brand);color:#fff;border-color:var(--brand)}
.row{display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.muted{color:var(--muted)} .small{font-size:12.5px} .bad{color:var(--bad)} .ok{color:var(--ok)}
.kv{display:grid;grid-template-columns:160px 1fr;gap:6px 12px}
.kv>div:nth-child(odd){color:var(--muted)}
.bar{background:#eef1f5;border-radius:6px;height:12px;overflow:hidden}
.bar>div{background:var(--brand2);height:100%}
.bars .b{display:grid;grid-template-columns:80px 1fr 120px;gap:10px;align-items:center;margin:7px 0}
.tier{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.tier>div{border:1px solid var(--line);border-radius:8px;padding:8px 10px}
.tier>div.now{border-color:var(--brand2);background:var(--accent)}
.tier .l{font-size:12px;color:var(--muted)}
.log{border-left:2px solid var(--line);padding-left:14px}
.log div{margin-bottom:9px;position:relative}
.log div::before{content:"";position:absolute;left:-19px;top:6px;width:8px;height:8px;border-radius:50%;background:var(--brand2)}
.note{background:var(--accent);border-radius:8px;padding:9px 12px;font-size:13px}
.warnbox{background:#fff4e0;border:1px solid #f1d39b;border-radius:8px;padding:10px 12px;font-size:13px;margin-bottom:16px}
.warnbox.red{background:#fdf0ee;border-color:#e8a59c}
.back{background:none;border:0;color:var(--brand2);cursor:pointer;padding:0;margin-bottom:10px}
.actions{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:16px}
.modal-bg{position:fixed;inset:0;background:rgba(15,25,40,.45);display:flex;align-items:flex-start;justify-content:center;padding:40px 16px;overflow:auto;z-index:20}
.modal{background:#fff;border-radius:12px;max-width:640px;width:100%;padding:20px 22px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.modal h2{margin:0 0 14px;font-size:18px}
.modal .foot{display:flex;justify-content:flex-end;gap:8px;margin-top:18px;flex-wrap:wrap}
.field{margin-bottom:12px;flex:1;min-width:0}
.field label{display:block;font-size:12.5px;color:var(--muted);margin-bottom:4px}
.field input,.field select,.field textarea{width:100%}
.check{display:flex;gap:8px;align-items:flex-start;font-size:13px;margin:6px 0}
.check input{width:auto;margin-top:3px}
.letter{border:1px solid var(--line);border-radius:8px;padding:22px 26px;font-family:Georgia,serif;font-size:13.5px;background:#fffefb}
.letter p{margin:0 0 10px}
#toast .t{position:fixed;bottom:20px;left:50%;transform:translateX(-50%);background:#1b2430;color:#fff;padding:10px 16px;border-radius:8px;z-index:30;font-size:13.5px;max-width:calc(100vw - 32px)}
#toast .t.err{background:var(--bad)}
.center{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:16px}
.login{width:100%;max-width:380px}
.login h1{font-size:20px;margin:0 0 4px}
.qr{display:flex;justify-content:center;margin:12px 0}
.mono{font-family:ui-monospace,Consolas,monospace;letter-spacing:1px;word-break:break-all}
.trend{display:grid;grid-template-columns:auto 1fr;gap:8px}
.trend .bars{position:relative;height:180px}
.trend .cols{position:absolute;inset:0;display:flex;align-items:flex-end;gap:2px}
.trend .col{flex:1;height:100%;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;position:relative}
.trend .col .fill{width:min(70%,34px);background:var(--brand2);border-radius:4px 4px 0 0}
.trend .col .tip{display:none;position:absolute;left:50%;transform:translateX(-50%);background:#1b2430;color:#fff;padding:6px 9px;border-radius:6px;font-size:12px;white-space:nowrap;z-index:2;pointer-events:none}
.trend .col:hover .tip,.trend .col:focus .tip{display:block}
.trend .labels{display:flex;gap:2px;margin-top:6px}
.trend .labels span{flex:1;text-align:center;font-size:11.5px;color:var(--muted)}
.empty{color:var(--muted);padding:12px 0}
input.search{width:280px}
.mobile-top{display:none}

/* ---------- phones & small tablets ---------- */
@media (max-width:860px){
  .shell{flex-direction:column}
  nav.side{display:none}
  .mobile-top{display:block;position:sticky;top:0;z-index:10;background:var(--brand);color:#fff;padding:10px 12px 0;padding-top:max(10px,env(safe-area-inset-top))}
  .mobile-top .brand{display:flex;justify-content:space-between;align-items:center;font-weight:700;margin-bottom:8px}
  .mobile-top .brand button{background:none;border:0;color:#cfe0ec;font-size:13px}
  .mobile-top .strip{display:flex;gap:4px;overflow-x:auto;padding-bottom:8px;scrollbar-width:none}
  .mobile-top .strip a{color:#cfe0ec;text-decoration:none;padding:8px 12px;border-radius:18px;white-space:nowrap;font-size:14px}
  .mobile-top .strip a.on{background:rgba(255,255,255,.18);color:#fff;font-weight:600}
  .mobile-top .strip .count{background:#e8a33d;color:#2b1a00;border-radius:10px;padding:0 6px;font-size:11px;font-weight:700;margin-left:4px}
  main{padding:14px 12px 80px}
  .top h1{font-size:19px}
  .grid2{grid-template-columns:1fr}
  .kpis{grid-template-columns:1fr 1fr;gap:8px}
  .kpi{padding:10px 12px}
  .kpi .v{font-size:18px}
  .tier{grid-template-columns:repeat(2,1fr)}
  .kv{grid-template-columns:120px 1fr}
  .card{padding:14px}
  /* 16px inputs stop iPhones zooming in on focus */
  select,input,textarea{font-size:16px}
  .btn{padding:10px 14px}
  .actions .btn{flex:1 1 auto;text-align:center}
  .top>.row{width:100%}
  input.search{width:100%}
  .tabs{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;margin-left:-12px;margin-right:-12px;padding:0 12px 2px}
  .tabs button{white-space:nowrap}
  .card:has(> table.cards){background:none;border:0;padding:0}
  /* tables become stacked cards */
  table.cards thead,table.cards tr.head{display:none}
  table.cards,table.cards tbody,table.cards tr,table.cards td{display:block;width:100%}
  table.cards tr{border:1px solid var(--line);border-radius:10px;margin-bottom:8px;padding:6px 10px;background:#fff}
  table.cards tr.sub{margin-left:12px;width:calc(100% - 12px)}
  table.cards td{border:0;padding:4px 0;display:flex;justify-content:space-between;gap:12px;text-align:right}
  table.cards td::before{content:attr(data-label);color:var(--muted);font-size:12px;text-align:left;flex-shrink:0}
  table.cards td[data-label=""]::before{content:none}
  table.cards td.num{text-align:right}
  table.cards td:empty{display:none}
  /* pop-ups slide up from the bottom */
  .modal-bg{align-items:flex-end;padding:0}
  .modal{border-radius:16px 16px 0 0;max-height:92vh;overflow:auto;padding:18px 16px calc(18px + env(safe-area-inset-bottom))}
  .modal .foot{position:sticky;bottom:-18px;background:#fff;padding:10px 0 4px;margin-bottom:-4px}
  .modal .foot .btn{flex:1}
  .bars .b{grid-template-columns:64px 1fr 96px}
}

/* ---------- printing a payoff letter ---------- */
@media print{
  body *{visibility:hidden}
  .letter,.letter *{visibility:visible}
  .letter{position:absolute;left:0;top:0;border:0;width:100%;padding:0}
}