/* Nthandizi Financial Services — product UI layer */
:root {
    --nf-navy: #061a2c;
    --nf-navy-2: #0b2740;
    --nf-blue: #0b55e7;
    --nf-blue-strong: #0648c9;
    --nf-blue-soft: #eaf1ff;
    --nf-cyan: #67d8ee;
    --nf-mint: #dff8ef;
    --nf-cream: #f7f4ed;
    --nf-surface: #ffffff;
    --nf-bg: #f5f7fb;
    --nf-line: #dfe5ee;
    --nf-muted: #637083;
    --nf-success: #0d8f68;
    --nf-warning: #ad6b00;
    --nf-danger: #c63b4a;
    --nf-shadow-sm: 0 10px 28px rgba(6, 26, 44, .07);
    --nf-shadow: 0 24px 70px rgba(6, 26, 44, .12);
    --nf-radius-sm: .8rem;
    --nf-radius: 1.25rem;
    --nf-radius-lg: 2rem;
    --accent-color: var(--nf-blue);
    --accent-color-hover: var(--nf-blue-strong);
    --accent-dark: var(--nf-navy);
    --accent-dark-hover: var(--nf-navy-2);
    --accent-light: #fff;
    --accent-light-alt: var(--nf-blue-soft);
}


html {
    scroll-behavior: smooth;
    scroll-padding-top: 6rem;
}

body,
input,
button,
select,
textarea {
    font-family: "DM Sans", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif !important;
}

h1,
h2,
h3,
h4,
h5,
h6,
.btn,
.eyebrow {
    font-family: "Manrope", "DM Sans", sans-serif !important;
}

body.site-body {
    height: auto;
    min-height: 100vh;
    background: var(--nf-surface) !important;
    color: var(--nf-navy);
    overflow-x: hidden;
    text-wrap: pretty;
}

.container {
    width: min(100% - 2rem, 1180px);
    max-width: 1180px;
}

.skip-link {
    position: fixed;
    top: .75rem;
    left: .75rem;
    z-index: 9999;
    padding: .7rem 1rem;
    border-radius: .65rem;
    background: #fff;
    color: var(--nf-navy) !important;
    box-shadow: var(--nf-shadow-sm);
    transform: translateY(-180%);
}

.skip-link:focus { transform: translateY(0); }

.site-header {
    position: sticky;
    top: 0;
    z-index: 1030;
    height: 0;
}

.site-navbar {
    min-height: 84px;
    background: rgba(255, 255, 255, .88);
    border-bottom: 1px solid transparent;
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
}

.site-navbar.is-scrolled {
    border-bottom-color: rgba(6, 26, 44, .08);
    box-shadow: 0 8px 28px rgba(6, 26, 44, .06);
}

.brand-lockup {
    display: block;
    width: 185px;
    margin: 0;
    padding: 0;
    opacity: 1;
}

.brand-lockup img {
    display: block;
    width: 100%;
    height: auto;
    object-fit: contain;
}

.site-nav-links {
    display: flex;
    align-items: center;
    gap: .2rem;
}

.site-nav-links .nav-link {
    position: relative;
    display: block;
    padding: .7rem .85rem !important;
    color: #334256 !important;
    font-weight: 600;
    font-size: .91rem;
}

.site-nav-links .nav-link::after {
    content: "";
    position: absolute;
    left: .85rem;
    right: .85rem;
    bottom: .38rem;
    height: 2px;
    border-radius: 2px;
    background: var(--nf-blue);
    transform: scaleX(0);
    transform-origin: left;
}

.site-nav-links .nav-link:hover { color: var(--nf-blue) !important; }
.site-nav-links .nav-link:hover::after { transform: scaleX(1); }

.site-nav-actions {
    display: flex;
    align-items: center;
    gap: .7rem;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .5rem;
    min-height: 44px;
    border-radius: .8rem;
    padding: .65rem 1.05rem;
    font-weight: 700;
    line-height: 1.1;
    box-shadow: none;
}

.btn-lg {
    min-height: 54px;
    padding: .85rem 1.3rem;
    border-radius: .95rem;
    font-size: .98rem;
}

.btn-sm {
    min-height: 36px;
    border-radius: .65rem;
    padding: .48rem .75rem;
}

.btn-accent,
.btn-accent-dark {
    color: #fff !important;
    border: 1px solid var(--nf-blue) !important;
    background: var(--nf-blue) !important;
    box-shadow: 0 8px 20px rgba(11, 85, 231, .2);
}

.btn-accent:hover,
.btn-accent-dark:hover {
    color: #fff !important;
    border-color: var(--nf-blue-strong) !important;
    background: var(--nf-blue-strong) !important;
    transform: translateY(-1px);
    box-shadow: 0 12px 24px rgba(11, 85, 231, .24);
}

.btn-outline-navy,
.btn-outline-accent-dark {
    color: var(--nf-navy) !important;
    border: 1px solid rgba(6, 26, 44, .18) !important;
    background: transparent;
}

.btn-outline-navy:hover,
.btn-outline-accent-dark:hover {
    color: #fff !important;
    border-color: var(--nf-navy) !important;
    background: var(--nf-navy) !important;
}

.btn-link-navy {
    color: var(--nf-navy) !important;
    background: transparent;
    padding-inline: .65rem;
}

.btn-link-navy:hover { color: var(--nf-blue) !important; }

.btn-quiet {
    color: var(--nf-navy) !important;
    border: 1px solid rgba(6, 26, 44, .1);
    background: rgba(255,255,255,.72);
}

.btn-quiet:hover { background: #fff; border-color: rgba(6, 26, 44, .2); }

.btn-white {
    color: var(--nf-navy) !important;
    border: 1px solid #fff !important;
    background: #fff !important;
}

.btn-white:hover { color: var(--nf-blue) !important; transform: translateY(-1px); }

.btn-outline-white {
    color: #fff !important;
    border: 1px solid rgba(255,255,255,.42) !important;
    background: transparent;
}

.btn-outline-white:hover { color: var(--nf-navy) !important; background: #fff; }

.account-chip {
    display: flex;
    justify-content: flex-start;
    gap: .55rem;
    max-width: 190px;
    padding: .35rem .5rem;
    border-radius: .85rem;
    color: var(--nf-navy) !important;
}

.account-chip:hover { background: var(--nf-blue-soft); }

.account-chip__avatar {
    display: grid;
    place-items: center;
    width: 34px;
    height: 34px;
    flex: 0 0 34px;
    border-radius: .65rem;
    color: #fff;
    background: var(--nf-blue);
    font-weight: 800;
}

.account-chip__text { display: block; min-width: 0; }
.account-chip__text small { display: block; color: var(--nf-muted); font-size: .65rem; line-height: 1.1; }
.account-chip__text strong { display: block; overflow: hidden; font-size: .78rem; text-overflow: ellipsis; white-space: nowrap; }

.navbar-toggler {
    display: none;
    width: 44px;
    height: 44px;
    padding: 10px;
    border: 1px solid var(--nf-line) !important;
    border-radius: .75rem;
    box-shadow: none !important;
}

.navbar-toggler span {
    display: block;
    width: 100%;
    height: 2px;
    margin: 4px 0;
    border-radius: 2px;
    background: var(--nf-navy);
}

.home-hero {
    position: relative;
    overflow: hidden;
    padding: 4rem 0 3rem;
    background:
        radial-gradient(circle at 78% 12%, rgba(103, 216, 238, .2), transparent 24%),
        radial-gradient(circle at 8% 70%, rgba(11, 85, 231, .08), transparent 26%),
        linear-gradient(160deg, #fbfdff 0%, #f4f8ff 58%, #fff 100%);
}

.home-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    pointer-events: none;
    opacity: .42;
    background-image: linear-gradient(rgba(6,26,44,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(6,26,44,.035) 1px, transparent 1px);
    background-size: 56px 56px;
    mask-image: linear-gradient(to bottom, #000, transparent 75%);
}

.hero-orb { position: absolute; border-radius: 999px; filter: blur(4px); pointer-events: none; }
.hero-orb--one { width: 260px; height: 260px; top: 9rem; right: -9rem; background: rgba(11,85,231,.08); }
.hero-orb--two { width: 160px; height: 160px; bottom: 3rem; left: -6rem; background: rgba(103,216,238,.18); }

.hero-grid {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: minmax(0, .96fr) minmax(460px, 1.04fr);
    gap: clamp(3rem, 7vw, 6rem);
    align-items: center;
    min-height: 500px;
}

.hero-copy { max-width: 610px; }

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    width: fit-content;
    margin-bottom: .5rem;
    color: var(--nf-blue);
    font-size: .74rem;
    font-weight: 800;
    letter-spacing: .115em;
    text-transform: uppercase;
}

.eyebrow__dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--nf-blue);
    box-shadow: 0 0 0 5px rgba(11,85,231,.11);
}

.eyebrow--light { color: #9fbcff; }

.hero-copy h1 {
    max-width: 650px;
    margin-bottom: 1rem !important;
    color: var(--nf-navy) !important;
    font-size: clamp(3rem, 5vw, 5.25rem);
    font-weight: 700;
    letter-spacing: -.05em;
    line-height: .97;
}

.hero-copy h1 span {
    display: inline;
    color: var(--nf-blue);
}

.hero-lead {
    max-width: 590px;
    color: #4f5f73 !important;
    font-size: clamp(1.05rem, 1.2vw, 1.22rem);
    line-height: 1.3;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 2rem; }
.play-icon { display: grid; place-items: center; width: 27px; height: 27px; border-radius: 50%; color: var(--nf-blue); background: var(--nf-blue-soft); }
.hero-trust { display: flex; flex-wrap: wrap; gap: .65rem 1.2rem; margin-top: 1.6rem; color: #526277; font-size: .84rem; font-weight: 600; }
.hero-trust span { display: inline-flex; align-items: center; gap: .35rem; }
.hero-trust i { color: var(--nf-success) !important; font-weight: 800; }

.hero-product { position: relative; min-height: 450px !important; perspective: 1000px; }

.hero-product--image {
    isolation: isolate;
    min-height: 570px !important;
}

.hero-product--image::before {
    content: "";
    position: absolute;
    z-index: -2;
    right: 1rem;
    bottom: .5rem;
    width: min(92%, 530px);
    aspect-ratio: 1 / .94;
    border: 1px solid rgba(11, 85, 231, .12);
    border-radius: 48% 48% 2rem 2rem;
    background:
        radial-gradient(circle at 68% 22%, rgba(103, 216, 238, .4), transparent 31%),
        linear-gradient(145deg, #eaf1ff, #dbe8ff 55%, #f7faff);
    box-shadow: 0 32px 80px rgba(6, 26, 44, .13);
}

.hero-product--image::after {
    content: "";
    position: absolute;
    z-index: -3;
    top: 1.5rem;
    right: -1.2rem;
    width: 195px;
    height: 195px;
    border: 34px solid rgba(11, 85, 231, .07);
    border-radius: 50%;
}

.hero-product__image {
    position: absolute;
    z-index: 1;
    right: -1rem;
    bottom: .25rem;
    display: block;
    width: min(100%, 585px);
    height: auto;
    max-height: 545px;
    object-fit: contain;
    object-position: center bottom;
    filter: drop-shadow(0 22px 24px rgba(6, 26, 44, .14));
}

.hero-image-ring {
    position: absolute;
    z-index: 0;
    top: 8.5rem;
    right: 1.8rem;
    width: 82%;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(11, 85, 231, .25), transparent);
    transform: rotate(-9deg);
}

.hero-image-note {
    position: absolute;
    z-index: 2;
    bottom: 1.75rem;
    left: -.5rem;
    display: grid;
    grid-template-columns: 42px minmax(0, 1fr);
    gap: .7rem;
    align-items: center;
    max-width: 265px;
    padding: .8rem .95rem;
    border: 1px solid rgba(6, 26, 44, .08);
    border-radius: .9rem;
    background: rgba(255, 255, 255, .92);
    box-shadow: 0 18px 42px rgba(6, 26, 44, .13);
    backdrop-filter: blur(12px);
}

.hero-image-note > span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: .7rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.hero-image-note strong, .hero-image-note small { display: block; }
.hero-image-note strong { color: var(--nf-navy); font-size: .74rem; }
.hero-image-note small { margin-top: .15rem; color: var(--nf-muted); font-size: .62rem; line-height: 1.4; }

.product-window {
    position: absolute;
    inset: 1rem 0 0 2rem;
    overflow: hidden;
    border: 1px solid rgba(6,26,44,.1);
    border-radius: 1.6rem;
    background: #fff;
    box-shadow: 0 35px 90px rgba(6, 26, 44, .16);
    transform: rotateY(-3deg) rotateX(1deg);
}

.product-window__top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 68px;
    padding: .8rem 1.2rem;
    border-bottom: 1px solid #edf0f4;
    background: #fff;
}

.mini-brand { display: flex; align-items: center; gap: .6rem; }
.mini-brand img { width: 32px; height: 32px; object-fit: contain; }
.mini-brand strong { font-family: "Manrope", sans-serif; font-size: .9rem; }
.secure-chip { display: inline-flex; align-items: center; gap: .35rem; width: fit-content; padding: .4rem .65rem; border-radius: 99px; color: var(--nf-success); background: var(--nf-mint); font-size: .7rem; font-weight: 800; }

.product-window__body { padding: 1.65rem; background: linear-gradient(180deg, #fbfcff, #fff); }
.application-heading > span { color: var(--nf-blue); font-size: .64rem; font-weight: 800; letter-spacing: .11em; }
.application-heading strong { display: block; color: var(--nf-navy); font-family: "Manrope", sans-serif; font-size: 1.4rem; }
.application-heading p { color: var(--nf-muted) !important; font-size: .82rem; }
.application-steps { display: grid; gap: .65rem; margin-top: 1.35rem; }

.application-step {
    position: relative;
    display: grid;
    grid-template-columns: 40px minmax(0,1fr) auto;
    gap: .8rem;
    align-items: center;
    min-height: 68px;
    padding: .75rem .85rem;
    border: 1px solid #e7ebf1;
    border-radius: .9rem;
    background: #fff;
}

.application-step__icon {
    display: grid;
    place-items: center;
    width: 36px;
    height: 36px;
    border-radius: .7rem;
    color: #8893a3;
    background: #f1f3f7;
    font-size: .78rem;
    font-weight: 800;
}

.application-step div { min-width: 0; }
.application-step strong { display: block; color: #263548; font-size: .82rem; }
.application-step small { display: block; margin-top: .18rem; overflow: hidden; color: #788496; font-size: .68rem; text-overflow: ellipsis; white-space: nowrap; }
.application-step.is-complete { border-color: rgba(13,143,104,.16); background: #fbfffd; }
.application-step.is-complete .application-step__icon { color: #fff; background: var(--nf-success); }
.application-step.is-active { border-color: rgba(11,85,231,.3); box-shadow: 0 8px 22px rgba(11,85,231,.09); }
.application-step.is-active .application-step__icon { color: #fff; background: var(--nf-blue); }
.step-state { display: inline-flex; width: fit-content; padding: .35rem .55rem; border-radius: 99px; color: var(--nf-success); background: var(--nf-mint); font-size: .63rem; font-weight: 800; }
.application-step.is-active .step-state { color: var(--nf-blue); background: var(--nf-blue-soft); }

.product-note { display: flex; align-items: center; gap: .7rem; margin-top: .9rem; padding: .8rem; border-radius: .8rem; color: #fff; background: var(--nf-navy); }
.product-note > i { display: grid; place-items: center; width: 34px; height: 34px; flex: 0 0 34px; border-radius: .65rem; color: var(--nf-cyan) !important; background: rgba(255,255,255,.1); }
.product-note strong, .product-note span { display: block; }
.product-note strong { font-size: .78rem; }
.product-note span { margin-top: .12rem; color: #b9c8d7; font-size: .66rem; }

.floating-card {
    position: absolute;
    z-index: 2;
    display: flex;
    align-items: center;
    gap: .7rem;
    padding: .75rem .9rem;
    border: 1px solid rgba(6,26,44,.08);
    border-radius: .9rem;
    background: rgba(255,255,255,.94);
    box-shadow: var(--nf-shadow-sm);
    backdrop-filter: blur(12px);
}

.floating-card--status { top: -.5rem; left: 2rem; }
.floating-card--message { right: -2rem; bottom: 3rem; }
.floating-card__icon, .message-avatar { display: grid; place-items: center; width: 36px; height: 36px; flex: 0 0 36px; border-radius: .7rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.message-avatar { color: #fff; background: var(--nf-blue); font-weight: 800; }
.floating-card strong, .floating-card small { display: block; }
.floating-card strong { font-size: .76rem; }
.floating-card small { margin-top: .15rem; color: var(--nf-muted); font-size: .64rem; }

.hero-proof {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: repeat(3, auto) minmax(240px, 1fr);
    gap: 2rem;
    align-items: center;
    padding: 1.35rem 1.6rem;
    border: 1px solid rgba(6,26,44,.08);
    border-radius: 1.2rem;
    background: rgba(255,255,255,.74);
    box-shadow: 0 12px 40px rgba(6,26,44,.05);
    backdrop-filter: blur(10px);
}

.hero-proof div { display: flex; align-items: baseline; gap: .4rem; white-space: nowrap; }
.hero-proof strong { color: var(--nf-blue); font-family: "Manrope", sans-serif; font-size: .78rem; }
.hero-proof span { color: #405064; font-size: .75rem; font-weight: 700; }
.hero-proof p { justify-self: end; max-width: 300px; color: var(--nf-muted) !important; font-size: .78rem; line-height: 1.5; text-align: right; }

.section-space { padding: clamp(4rem, 5vw, 8rem) 0; }
.section-heading { max-width: 720px; margin: 0 auto 3rem; text-align: center; }
.section-heading--left { margin: 0; text-align: left; }
.section-heading h2,
.requirements-copy h2,
.why-panel h2,
.footer-cta h2 {
    color: var(--nf-navy) !important;
    font-size: clamp(2rem, 3vw, 4rem);
    font-weight: 800;
    letter-spacing: -.05em;
    line-height: 1.1;
}
.section-heading > p { max-width: 620px; margin: 1rem auto 0 !important; color: var(--nf-muted) !important; font-size: 1.02rem; line-height: 1.7; }
.section-heading--left > p { margin-inline: 0 !important; }

.problem-section { background: #fff; }
.problem-grid { display: grid; grid-template-columns: minmax(0,1.15fr) minmax(320px,.85fr); gap: 5rem; align-items: end; }
.problem-copy { padding-bottom: .35rem; border-left: 3px solid var(--nf-blue); padding-left: 1.3rem; }
.problem-copy p { color: var(--nf-muted) !important; font-size: 1.05rem; line-height: 1.75; }
.value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 3.25rem; }

.value-card {
    position: relative;
    min-height: 310px;
    padding: 1.5rem;
    overflow: hidden;
    border: 1px solid var(--nf-line);
    border-radius: var(--nf-radius);
    background: #fff;
}

.value-card::after { content: ""; position: absolute; right: -4rem; bottom: -5rem; width: 150px; height: 150px; border-radius: 50%; background: var(--nf-blue-soft); }
.value-card--featured { color: #fff; border-color: var(--nf-blue); background: var(--nf-blue); box-shadow: 0 24px 45px rgba(11,85,231,.2); transform: translateY(-1rem); }
.value-card--featured::after { background: rgba(255,255,255,.08); }
.value-card__number { display: block; color: #9ba5b2; font-size: .68rem; font-weight: 800; letter-spacing: .12em; }
.value-card--featured .value-card__number { color: #c7d6ff; }
.value-card__icon { display: grid; place-items: center; width: 52px; height: 52px; margin-top: 3rem; border-radius: 1rem; color: var(--nf-blue); background: var(--nf-blue-soft); font-size: 1.3rem; }
.value-card--featured .value-card__icon { color: #fff; background: rgba(255,255,255,.14); }
.value-card h3 { margin-top: 1.25rem !important; font-size: 1.2rem; font-weight: 800; }
.value-card p { position: relative; z-index: 1; margin-top: .7rem !important; color: var(--nf-muted) !important; font-size: .91rem; line-height: 1.65; }
.value-card--featured p { color: #dce6ff !important; }

.process-section { color: #fff; background: var(--nf-navy); }
.process-section .section-heading h2 { color: #fff !important; }
.process-section .section-heading p { color: #b5c3d1 !important; }
.process-layout { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: 4rem; }
.process-rail { position: absolute; top: 38px; left: 11%; right: 11%; height: 1px; background: linear-gradient(90deg, transparent, rgba(103,216,238,.55), transparent); }

.process-step { position: relative; display: block; padding: 1.2rem; text-align: center; }
.process-step__number { position: absolute; top: 0; right: calc(50% - 40px); display: grid; place-items: center; width: 21px; height: 21px; border-radius: 50%; color: var(--nf-navy); background: var(--nf-cyan); font-size: .62rem; font-weight: 800; box-shadow: 0 0 0 5px var(--nf-navy); }
.process-step__icon { display: grid; place-items: center; width: 76px; height: 76px; margin: 0 auto 1.4rem; border: 1px solid rgba(255,255,255,.15); border-radius: 1.35rem; color: var(--nf-cyan); background: var(--nf-navy-2); font-size: 1.55rem; box-shadow: 0 16px 36px rgba(0,0,0,.16); }
.process-step h3 { color: #fff !important; font-size: 1.05rem; font-weight: 800; }
.process-step p { margin-top: .65rem !important; color: #adbdcc !important; font-size: .86rem; line-height: 1.65; }
.process-action { display: flex; justify-content: space-between; align-items: center; gap: 1rem; margin-top: 3rem; padding: 1.1rem 1.2rem; border: 1px solid rgba(255,255,255,.12); border-radius: 1rem; background: rgba(255,255,255,.055); }
.process-action > div { display: flex; align-items: center; gap: .8rem; }
.process-action > div > i { display: grid; place-items: center; width: 40px; height: 40px; border-radius: .75rem; color: var(--nf-cyan) !important; background: rgba(103,216,238,.1); }
.process-action > div > span { display: grid; }
.process-action strong, .process-action small { display: block; }
.process-action strong { font-size: .86rem; }
.process-action small { margin-top: .18rem; color: #9fb0c1; font-size: .72rem; }

.requirements-section { background: var(--nf-bg); }
.requirements-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(3rem,7vw,6rem); align-items: center; }
.requirements-copy > p { margin-top: 1.2rem !important; color: var(--nf-muted) !important; font-size: 1.02rem; line-height: 1.75; }
.requirements-note { display: flex; gap: .8rem; margin-top: 2rem; padding: 1rem; border: 1px solid rgba(11,85,231,.14); border-radius: 1rem; background: var(--nf-blue-soft); }
.requirements-note > i { color: var(--nf-blue) !important; font-size: 1.1rem; }
.requirements-note p { color: #42536a !important; font-size: .82rem; line-height: 1.5; }
.requirements-note strong, .requirements-note span { display: block; }
.requirements-note strong { margin-bottom: .2rem; color: var(--nf-navy); }
.requirements-card { overflow: hidden; border: 1px solid rgba(6,26,44,.08); border-radius: 1.4rem; background: #fff; box-shadow: var(--nf-shadow); }
.requirement-item { display: grid; grid-template-columns: 50px minmax(0,1fr) auto; gap: .9rem; align-items: center; padding: 1rem 1.2rem; border-bottom: 1px solid #edf0f4; }
.requirement-item:last-child { border-bottom: 0; }
.requirement-item > span { display: grid; place-items: center; width: 46px; height: 46px; border-radius: .85rem; color: var(--nf-blue); background: var(--nf-blue-soft); font-size: 1.15rem; }
.requirement-item strong, .requirement-item small { display: block; }
.requirement-item strong { color: var(--nf-navy); font-size: .92rem; }
.requirement-item small { margin-top: .22rem; color: var(--nf-muted); font-size: .76rem; }
.requirement-item > i { color: var(--nf-success) !important; }

.why-section { background: #fff; }
.why-panel { display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; border-radius: var(--nf-radius-lg); color: #fff; background: linear-gradient(135deg, #071d30, #0c2d4a); box-shadow: var(--nf-shadow); }
.why-panel__story { position: relative; padding: clamp(2rem,5vw,4.5rem); overflow: hidden; }
.why-panel__story::after { content: ""; position: absolute; right: -100px; bottom: -110px; width: 260px; height: 260px; border: 45px solid rgba(11,85,231,.35); border-radius: 50%; }
.why-panel h2 { color: #fff !important; }
.why-panel__story > p { position: relative; z-index: 1; margin-top: 1.25rem !important; color: #b8c8d7 !important; line-height: 1.75; }
.branch-pill { position: relative; z-index: 1; display: inline-flex; align-items: center; gap: .7rem; width: fit-content; margin-top: 2rem; padding: .75rem .9rem; border: 1px solid rgba(255,255,255,.13); border-radius: .85rem; background: rgba(255,255,255,.07); }
.branch-pill span { display: grid; }
.branch-pill > i { color: var(--nf-cyan) !important; }
.branch-pill small, .branch-pill strong { display: block !important; }
.branch-pill small { color: #9fb2c4; font-size: .65rem; }
.branch-pill strong { margin-top: .12rem; font-size: .82rem; }
.why-principles { display: grid; align-content: center; padding: 2rem clamp(1.5rem,4vw,3rem); background: rgba(255,255,255,.045); }
.why-principles article { display: grid; grid-template-columns: 44px minmax(0,1fr); gap: 1rem; padding: 1.4rem 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.why-principles article:last-child { border-bottom: 0; }
.why-principles article > span { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; color: var(--nf-cyan); background: rgba(103,216,238,.1); font-size: .7rem; font-weight: 800; }
.why-principles h3 { color: #fff !important; font-size: 1rem; font-weight: 800; }
.why-principles p { margin-top: .45rem !important; color: #aebdca !important; font-size: .85rem; line-height: 1.6; }

.faq-section { background: var(--nf-bg); }
.faq-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: clamp(3rem,7vw,6rem); align-items: start; }
.faq-intro { position: sticky; top: 7rem; }
.text-link { display: inline-flex; justify-content: flex-start; gap: .45rem; width: fit-content; margin-top: 1.6rem; color: var(--nf-blue) !important; font-size: .9rem; font-weight: 800; }
.clean-accordion { display: grid; gap: .75rem; }
.clean-accordion .accordion-item { overflow: hidden; border: 1px solid var(--nf-line); border-radius: 1rem !important; background: #fff; }
.clean-accordion .accordion-button { min-height: 72px; padding: 1.1rem 1.2rem; color: var(--nf-navy) !important; background: #fff; font-family: "Manrope", sans-serif !important; font-size: .96rem; font-weight: 800; box-shadow: none !important; }
.clean-accordion .accordion-button:not(.collapsed) { color: var(--nf-blue) !important; background: #fff; }
.clean-accordion .accordion-button::after { display: grid; place-items: center; width: 30px; height: 30px; border-radius: .65rem; background-color: var(--nf-blue-soft); background-position: center; background-size: 14px; }
.clean-accordion .accordion-body { padding: 0 1.2rem 1.2rem; color: var(--nf-muted); font-size: .9rem; line-height: 1.7; }

.site-footer { color: #fff; background: #03111e; }
.footer-cta { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: 2rem; align-items: center; padding: 3.2rem 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-cta h2 { max-width: 750px; color: #fff !important; font-size: clamp(2rem,4vw,3.6rem); }
.footer-cta p { max-width: 750px; margin-top: .8rem !important; color: #aab8c6 !important; line-height: 1.65; }
.footer-cta__actions { display: flex; gap: .7rem; }
.footer-grid { display: grid; grid-template-columns: 2fr repeat(3, 1fr); gap: clamp(2rem,5vw,5rem); padding: 3rem 0; }
.footer-brand img { width: 160px; height: auto; object-fit: contain; object-position: left; }
.footer-brand p { max-width: 330px; margin-top: 1.2rem !important; color: #8fa0b0 !important; font-size: .85rem; line-height: 1.65; }
.footer-grid h3 { margin-bottom: 1rem !important; color: #fff !important; font-size: .78rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.footer-grid a, .footer-grid > div > span { display: flex; justify-content: flex-start; align-items: flex-start; gap: .5rem; width: fit-content; margin-top: .72rem; color: #99a9b8 !important; font-size: .82rem; }
.footer-grid a:hover { color: #fff !important; }
.footer-grid i { color: var(--nf-cyan) !important; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.3rem 0; border-top: 1px solid rgba(255,255,255,.08); color: #75899b; font-size: .75rem; }
.footer-bottom > div { display: flex; gap: 1.2rem; }
.footer-bottom a { color: #8fa0b0 !important; }

.toast-stack { position: fixed; z-index: 1060; top: 6.2rem; left: 50%; transform: translateX(-50%); pointer-events: none; }
.toast-stack .alert { display: flex; align-items: center; gap: .75rem; max-width: 760px; margin: 0 auto .6rem; padding: .85rem 3rem .85rem .9rem; border: 1px solid rgba(6,26,44,.08); border-radius: .9rem; background: #fff; box-shadow: var(--nf-shadow); pointer-events: auto; }
.toast-stack .alert-icon { display: grid; place-items: center; width: 32px; height: 32px; flex: 0 0 32px; border-radius: .65rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.toast-stack .btn-close { position: absolute; right: .75rem; }

.cookie-card {
    position: fixed;
    z-index: 1055;
    right: 1.2rem;
    bottom: 1.2rem;
    display: grid;
    grid-template-columns: 42px minmax(0,1fr) auto;
    gap: .85rem;
    align-items: center;
    width: min(560px, calc(100% - 2.4rem));
    padding: 1rem;
    border: 1px solid rgba(6,26,44,.1);
    border-radius: 1rem;
    background: rgba(255,255,255,.96);
    box-shadow: var(--nf-shadow);
    backdrop-filter: blur(14px);
}
.cookie-card[hidden] { display: none !important; }
.cookie-card__icon { display: grid; place-items: center; width: 42px; height: 42px; border-radius: .8rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.cookie-card strong { display: block; font-size: .82rem; }
.cookie-card p { margin-top: .2rem !important; color: var(--nf-muted) !important; font-size: .72rem; }
.cookie-card a { display: inline-flex; justify-content: flex-start; margin-top: .22rem; color: var(--nf-blue) !important; font-size: .7rem; font-weight: 700; }

/* Shared forms and content surfaces */
.form-control,
.form-select {
    min-height: 48px;
    border: 1px solid #d7dee8;
    border-radius: .75rem;
    background-color: #fff;
    color: var(--nf-navy);
    font-size: .9rem;
}
.form-control:focus,
.form-select:focus { border-color: var(--nf-blue); box-shadow: 0 0 0 .22rem rgba(11,85,231,.1); }
.form-label { color: #39495d; font-size: .78rem; font-weight: 700; }
.form-text { color: var(--nf-muted); font-size: .72rem; }
.card { border: 1px solid var(--nf-line); border-radius: var(--nf-radius); box-shadow: 0 12px 35px rgba(6,26,44,.055); }
.table { --bs-table-color: #263548; font-size: .84rem; }
.table > :not(caption) > * > * { padding: .85rem .75rem; border-color: #e8edf3; }
.table thead th { color: #68768a; font-size: .68rem; font-weight: 800; letter-spacing: .055em; text-transform: uppercase; }
.badge { padding: .42rem .58rem; border-radius: 999px; font-weight: 700; }

/* Authentication */
.auth-page { position: relative; min-height: calc(100vh - 84px); padding: 7.5rem 0 5rem; background: var(--nf-bg); }
.auth-shell { display: grid; grid-template-columns: minmax(0,.88fr) minmax(440px,1.12fr); overflow: hidden; max-width: 1040px; margin: 0 auto; border: 1px solid rgba(6,26,44,.08); border-radius: 1.7rem; background: #fff; box-shadow: var(--nf-shadow); }
.auth-story { position: relative; display: flex; flex-direction: column; justify-content: space-between; min-height: 610px; padding: clamp(2rem,5vw,3.5rem); overflow: hidden; color: #fff; background: linear-gradient(145deg, #061a2c, #0a3154); }
.auth-story::before { content: ""; position: absolute; top: -9rem; right: -8rem; width: 300px; height: 300px; border: 65px solid rgba(11,85,231,.35); border-radius: 50%; }
.auth-story::after { content: ""; position: absolute; bottom: -6rem; left: -6rem; width: 200px; height: 200px; border-radius: 50%; background: rgba(103,216,238,.1); }
.auth-story__logo { position: relative; z-index: 1; width: 190px; height: auto; object-fit: contain; object-position: left; }
.auth-story__copy { position: relative; z-index: 1; }
.auth-story__copy h2 { color: #fff !important; font-size: clamp(2rem,3.6vw,3.1rem); font-weight: 800; letter-spacing: -.05em; line-height: 1.12; }
.auth-story__copy p { margin-top: 1rem !important; color: #b5c5d5 !important; line-height: 1.7; }
.auth-story__proof { position: relative; z-index: 1; display: flex; gap: 1.3rem; color: #a9bac9; font-size: .74rem; font-weight: 700; }
.auth-story__proof span { display: flex; align-items: center; gap: .35rem; }
.auth-story__proof i { color: var(--nf-cyan) !important; }
.auth-panel { display: flex; align-items: center; padding: clamp(2rem,5vw,4rem); }
.auth-panel__inner { width: 100%; max-width: 470px; margin: 0 auto; }
.auth-kicker { display: inline-flex; width: fit-content; color: var(--nf-blue); font-size: .68rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.auth-panel h1 { color: var(--nf-navy) !important; font-size: clamp(2rem,4vw,2.8rem); font-weight: 800; letter-spacing: -.045em; }
.auth-panel__intro { margin-top: .55rem !important; color: var(--nf-muted) !important; line-height: 1.6; }
.auth-form { margin-top: 2rem; }
.field-group { margin-bottom: 1rem; }
.field-label-row { display: flex; justify-content: space-between; gap: 1rem; margin-bottom: .45rem; }
.field-label-row label { color: #354559; font-size: .78rem; font-weight: 700; }
.field-label-row a { color: var(--nf-blue) !important; font-size: .72rem; font-weight: 700; }
.input-with-icon { position: relative; }
.input-with-icon > i { position: absolute; z-index: 2; top: 50%; left: .95rem; color: #8a96a6 !important; transform: translateY(-50%); }
.input-with-icon .form-control,
.input-with-icon .form-select { padding-left: 2.75rem; }
.auth-submit { width: 100%; margin-top: .5rem; }
.auth-switch { display: flex; justify-content: center; gap: .3rem; margin-top: 1.35rem !important; color: var(--nf-muted) !important; font-size: .82rem; }
.auth-switch a { display: inline; color: var(--nf-blue) !important; font-weight: 800; }
.auth-security { display: flex; justify-content: center; align-items: center; gap: .35rem; margin-top: 1.6rem; color: #8a96a6; font-size: .69rem; }
.auth-security i { color: var(--nf-success) !important; }
.validation-error { display: flex; gap: .35rem; margin-top: .35rem; color: var(--nf-danger); font-size: .72rem; }

/* Legal pages */
.legal-page { padding: 8.5rem 0 6rem; background: var(--nf-bg); }
.legal-shell { max-width: 850px; margin: 0 auto; padding: clamp(1.5rem,5vw,4rem); border: 1px solid var(--nf-line); border-radius: var(--nf-radius-lg); background: #fff; box-shadow: var(--nf-shadow-sm); }
.legal-header { margin-bottom: 3rem; padding-bottom: 2rem; border-bottom: 1px solid var(--nf-line); }
.legal-header h1 { font-size: clamp(2.4rem,5vw,4rem); font-weight: 800; letter-spacing: -.05em; }
.legal-header p { margin-top: .7rem !important; color: var(--nf-muted) !important; }
.legal-section + .legal-section { margin-top: 2.2rem; }
.legal-section h2 { font-size: 1.08rem; font-weight: 800; }
.legal-section p { margin-top: .65rem !important; color: #536174 !important; line-height: 1.75; }
.legal-list { display: grid; gap: .65rem; margin: .8rem 0 0; padding: 0; }
.legal-list li { position: relative; padding-left: 1.4rem; color: #536174; line-height: 1.6; }
.legal-list li::before { content: ""; position: absolute; top: .65rem; left: 0; width: 6px; height: 6px; border-radius: 50%; background: var(--nf-blue); }

@media (max-width: 1099.98px) {
    .site-nav-links .nav-link { padding-inline: .55rem !important; font-size: .83rem; }
    .brand-lockup { width: 160px; }
    .hero-grid { grid-template-columns: minmax(0,1fr) minmax(400px,.9fr); gap: 2rem; }
    .floating-card--message { right: -.5rem; }
    .hero-proof { grid-template-columns: repeat(3, 1fr); }
    .hero-proof p { grid-column: 1 / -1; justify-self: start; max-width: none; text-align: left; }
}

@media (max-width: 991.98px) {
    .site-header { height: 0; }
    .navbar-toggler { display: block; }
    .site-navbar { min-height: 76px; }
    .site-navbar .navbar-collapse { margin: .8rem -1rem 0; padding: 1rem; border-top: 1px solid var(--nf-line); border-radius: 0 0 1rem 1rem; background: rgba(255,255,255,.98); box-shadow: 0 18px 32px rgba(6,26,44,.09); }
    .site-nav-links { align-items: stretch; }
    .site-nav-links .nav-link { padding: .75rem .4rem !important; }
    .site-nav-links .nav-link::after { display: none; }
    .site-nav-actions { justify-content: stretch; margin-top: .75rem; padding-top: .75rem; border-top: 1px solid var(--nf-line); }
    .site-nav-actions .btn { flex: 1; }
    .account-chip { max-width: none; flex: 1; }
    .home-hero { padding-top: 8.5rem; }
    .hero-grid { grid-template-columns: 1fr; }
    .hero-copy { max-width: 700px; }
    .hero-product { width: min(100%, 620px); min-height: 510px; margin: 0 auto; }
    .hero-product.hero-product--image { min-height: 600px !important; }
    .hero-product__image { right: 0; width: min(100%, 600px); max-height: 610px; }
    .hero-product--image::before { right: 3%; width: 88%; }
    .product-window { inset-inline: 1rem; }
    .problem-grid, .requirements-grid, .faq-grid { grid-template-columns: 1fr; gap: 2.2rem; }
    .process-layout { grid-template-columns: repeat(2, 1fr); }
    .process-rail { display: none; }
    .why-panel { grid-template-columns: 1fr; }
    .faq-intro { position: static; }
    .footer-cta { grid-template-columns: 1fr; }
    .footer-cta__actions { justify-content: flex-start; }
    .footer-grid { grid-template-columns: 2fr 1fr 1fr; }
    .footer-grid > div:last-child { grid-column: 2 / -1; }
    .auth-shell { grid-template-columns: 1fr; max-width: 650px; }
    .auth-story { min-height: 360px; }
}

@media (max-width: 767.98px) {
    .container { width: min(100% - 1.25rem, 1180px); }
    .brand-lockup { width: 155px; }
    .home-hero { padding-top: 7.5rem; }
    .hero-grid { min-height: auto; }
    .hero-copy { text-align: left; }
    .hero-copy h1 { font-size: clamp(3rem,15vw,4.8rem); }
    .hero-product { min-height: 590px; margin-top: 1rem; }
    .hero-product.hero-product--image { min-height: 520px !important; margin-top: .5rem; }
    .hero-product--image::before { right: 2%; bottom: 0; width: 90%; }
    .hero-product__image { right: 0; bottom: 0; width: 100%; max-height: 530px; }
    .hero-image-note { bottom: 1rem; left: 0; }
    .product-window { inset: .5rem 0 0; transform: none; }
    .floating-card--status { top: -.5rem; left: .8rem; }
    .floating-card--message { right: .8rem; bottom: -.6rem; }
    .hero-proof { grid-template-columns: 1fr; gap: .7rem; margin-top: 3rem; }
    .hero-proof div { justify-content: space-between; padding-bottom: .6rem; border-bottom: 1px solid var(--nf-line); }
    .hero-proof p { grid-column: auto; }
    .section-space { padding: 4rem 0; }
    .problem-copy { margin-top: -.5rem; }
    .value-grid { grid-template-columns: 1fr; }
    .value-card { min-height: auto; }
    .value-card__icon { margin-top: 2rem; }
    .value-card--featured { transform: none; }
    .process-layout { grid-template-columns: 1fr; }
    .process-step { display: grid; grid-template-columns: 64px minmax(0,1fr); gap: 1rem; text-align: left; }
    .process-step__icon { width: 60px; height: 60px; margin: 0; }
    .process-step__number { top: .3rem; right: auto; left: 48px; }
    .process-action { align-items: stretch; flex-direction: column; }
    .requirements-card { border-radius: 1rem; }
    .why-panel { border-radius: 1.4rem; }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-brand { grid-column: 1 / -1; }
    .footer-grid > div:last-child { grid-column: auto; }
    .footer-bottom { align-items: flex-start; flex-direction: column; }
    .cookie-card { grid-template-columns: 38px minmax(0,1fr); }
    .cookie-card .btn { grid-column: 1 / -1; width: 100%; }
    .auth-page { padding-top: 6.5rem; }
    .auth-story { min-height: 300px; }
    .auth-panel { padding: 2rem 1.25rem; }
}

@media (max-width: 479.98px) {
    .hero-copy h1 { letter-spacing: -.065em; }
    .hero-actions { align-items: stretch; flex-direction: column; }
    .hero-actions .btn { width: 100%; }
    .hero-trust { align-items: flex-start; flex-direction: column; }
    .hero-product { min-height: 590px; }
    .hero-product.hero-product--image { min-height: 420px !important; }
    .hero-product__image { max-height: 430px; }
    .hero-product--image::after { top: 2rem; right: -3rem; width: 150px; height: 150px; border-width: 26px; }
    .hero-image-note { max-width: 220px; padding: .65rem .75rem; }
    .hero-image-note > span { width: 36px; height: 36px; }
    .product-window__body { padding: 1.1rem; }
    .application-step { grid-template-columns: 36px minmax(0,1fr); }
    .application-step .step-state { display: none; }
    .floating-card { display: none; }
    .requirements-note { align-items: flex-start; }
    .requirement-item { grid-template-columns: 44px minmax(0,1fr); }
    .requirement-item > i { display: none; }
    .footer-cta__actions { align-items: stretch; flex-direction: column; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-brand, .footer-grid > div:last-child { grid-column: auto; }
    .footer-bottom > div { flex-wrap: wrap; }
    .auth-story { min-height: 330px; }
    .auth-story__proof { align-items: flex-start; flex-direction: column; gap: .5rem; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}

/* Staff operations workspace */
body.admin-body {
    height: auto;
    min-height: 100vh;
    color: var(--nf-navy);
    background: #f4f6fa !important;
    text-wrap: pretty;
}

.admin-sidebar,
#adminSidebar {
    width: 278px;
    overflow-x: hidden;
    overflow-y: auto;
    color: #fff;
    background: #061725 !important;
    border-right: 1px solid rgba(255,255,255,.06);
    scrollbar-color: rgba(255,255,255,.22) transparent;
    scrollbar-width: thin;
}

#adminSidebar::-webkit-scrollbar { width: 5px; }
#adminSidebar::-webkit-scrollbar-track { background: transparent; }
#adminSidebar::-webkit-scrollbar-thumb { border-radius: 99px; background: rgba(255,255,255,.2); }

.admin-sidebar__header {
    min-height: 80px;
    padding: 1rem 1.1rem 1rem 1.25rem;
    border-bottom: 1px solid rgba(255,255,255,.075);
}

.admin-sidebar__brand {
    display: block;
    justify-content: flex-start;
    width: 180px;
    opacity: 1;
}

.admin-sidebar__brand img { display: block; width: 100%; height: auto; object-fit: contain; object-position: left; }
.admin-sidebar__close { display: grid; place-items: center; width: 36px; height: 36px; border: 1px solid rgba(255,255,255,.16); border-radius: .65rem; color: #fff; }
.admin-sidebar__label { padding: 1.1rem 1.25rem .45rem; color: #647c91; font-size: .61rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }

#adminSidebarNav { gap: .15rem; padding: 0 .7rem 1rem; }
#adminSidebar .nav-item { width: 100%; }
#adminSidebar .nav-link {
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: .72rem;
    width: 100%;
    min-height: 42px;
    padding: .62rem .75rem;
    border-radius: .7rem;
    color: #adbdca !important;
    font-size: .8rem;
    font-weight: 600;
    opacity: 1;
}

#adminSidebar .nav-link > i:first-child { width: 20px; color: #7f95a7 !important; font-size: .95rem; }
#adminSidebar .nav-link:hover { color: #fff !important; background: rgba(255,255,255,.065); }
#adminSidebar .nav-link:hover > i:first-child { color: #9fc0ff !important; }
#adminSidebar .nav-link.active,
#adminSidebar .nav-link.active-group {
    color: #fff !important;
    background: linear-gradient(90deg, rgba(11,85,231,.3), rgba(11,85,231,.14));
    box-shadow: inset 3px 0 0 #5d91ff;
}
#adminSidebar .nav-link.active > i:first-child,
#adminSidebar .nav-link.active-group > i:first-child { color: #9fc0ff !important; }
#adminSidebar .nav-link .bi-chevron-down { width: auto; color: #62788d !important; font-size: .65rem; }
#adminSidebar .nav-link[aria-expanded="true"] .bi-chevron-down { transform: rotate(180deg); }

.admin-subnav { gap: .1rem; margin: .25rem 0 .35rem 1.45rem; padding: .15rem 0 .15rem .6rem; border-left: 1px solid rgba(255,255,255,.09); }
#adminSidebar .admin-subnav .nav-link { min-height: 36px; padding-block: .45rem; color: #8194a5 !important; font-size: .74rem; }
#adminSidebar .admin-subnav .nav-link > i:first-child { font-size: .82rem; }
#adminSidebar .admin-subnav .nav-link:hover,
#adminSidebar .admin-subnav .nav-link.active { color: #fff !important; }

.admin-branch-context {
    display: grid;
    grid-template-columns: 36px minmax(0,1fr);
    gap: .65rem;
    align-items: center;
    margin: .65rem 0 .8rem;
    padding: .7rem .75rem;
    border: 1px solid rgba(103,216,238,.12);
    border-radius: .8rem;
    background: rgba(103,216,238,.055);
}
.admin-branch-context__icon { display: grid; place-items: center; width: 34px; height: 34px; border-radius: .65rem; color: var(--nf-cyan); background: rgba(103,216,238,.09); }
.admin-branch-context > span:last-child { display: block; min-width: 0; }
.admin-branch-context small { display: block; color: #6f879a; font-size: .6rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.admin-branch-context strong { display: block; margin-top: .1rem; overflow: hidden; color: #dce7ef; font-size: .76rem; text-overflow: ellipsis; white-space: nowrap; }

.admin-sidebar__footer { margin: .7rem; padding: .65rem; border-top: 1px solid rgba(255,255,255,.07); }
#adminSidebar .admin-sidebar__footer .nav-link { color: #e59ba3 !important; }
.admin-sidebar__footer small { display: block; padding: .35rem .75rem 0; overflow: hidden; color: #5f7487; font-size: .62rem; text-overflow: ellipsis; white-space: nowrap; }

#adminMainWrapper { min-width: 0; background: #f4f6fa; }
.admin-topbar-shell { position: sticky; top: 0; z-index: 1020; border-bottom: 1px solid rgba(6,26,44,.08); background: rgba(255,255,255,.92); backdrop-filter: blur(16px); }
.admin-topbar { min-height: 78px; }
.admin-user-chip { display: flex; justify-content: flex-start; gap: .6rem; max-width: 190px; padding: .3rem .45rem; border-radius: .75rem; opacity: 1; }
.admin-user-chip:hover { background: var(--nf-blue-soft); }
.admin-user-chip__avatar { display: grid; place-items: center; width: 36px; height: 36px; flex: 0 0 36px; border-radius: .65rem; color: #fff; background: var(--nf-navy); font-size: .78rem; font-weight: 800; }
.admin-user-chip__copy { display: block; min-width: 0; }
.admin-user-chip__copy strong, .admin-user-chip__copy small { display: block; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.admin-user-chip__copy strong { color: var(--nf-navy); font-size: .74rem; }
.admin-user-chip__copy small { color: var(--nf-muted); font-size: .62rem; text-transform: capitalize; }

.admin-topbar-search { max-width: 42rem; }
.admin-topbar .input-group { overflow: hidden; border: 1px solid #dbe1ea; border-radius: .8rem; background: #f8fafc; }
.admin-topbar .input-group:focus-within { border-color: var(--nf-blue); box-shadow: 0 0 0 .2rem rgba(11,85,231,.08); }
.admin-topbar .input-group-text { border: 0; padding-right: .15rem; color: #8a96a6; background: transparent; }
.admin-topbar .form-control { min-height: 42px; border: 0; background: transparent; box-shadow: none; font-size: .82rem; }
.admin-topbar .input-group .btn { min-height: 42px; margin: -1px; border-radius: .7rem !important; box-shadow: none; font-size: .74rem; }
.admin-icon-btn { width: 42px; height: 42px; border-radius: .75rem !important; }
.admin-quick-button { min-width: 42px; min-height: 42px; padding-inline: .8rem; border-radius: .75rem; }

.admin-quick-menu { width: 270px; border: 1px solid var(--nf-line); border-radius: 1rem; box-shadow: var(--nf-shadow); }
.admin-quick-menu .dropdown-item { display: grid; grid-template-columns: 38px minmax(0,1fr); gap: .7rem; justify-content: flex-start; align-items: center; padding: .65rem; border-radius: .7rem; color: var(--nf-navy) !important; }
.admin-quick-menu .dropdown-item:hover { background: var(--nf-blue-soft); }
.admin-quick-menu .dropdown-item > i { display: grid !important; place-items: center !important; width: 36px; height: 36px; border-radius: .65rem; color: var(--nf-blue) !important; background: var(--nf-blue-soft); }
.admin-quick-menu .dropdown-item span { display: block; min-width: 0; }
.admin-quick-menu strong, .admin-quick-menu small { display: block; }
.admin-quick-menu strong { font-size: .76rem; }
.admin-quick-menu small { margin-top: .12rem; color: var(--nf-muted); font-size: .65rem; }

.admin-notification-menu { border-color: var(--nf-line); border-radius: 1rem; box-shadow: var(--nf-shadow); }
.admin-notification-item:hover { background: var(--nf-blue-soft); }

#mainContent { width: 100%; max-width: 1640px; margin-inline: auto; padding: 1.5rem 1.75rem 2.5rem !important; }
.admin-breadcrumb-wrap { margin: 0 0 1rem; padding: 0 !important; }
.admin-breadcrumb { gap: .25rem; padding: .4rem .65rem !important; border-color: var(--nf-line); background: #fff; box-shadow: none; }
.admin-breadcrumb a, .admin-breadcrumb span { color: #6c7a8d !important; font-size: .7rem; }
.admin-breadcrumb .active span { color: var(--nf-navy) !important; }

.admin-body h1,
.admin-body h2,
.admin-body h3,
.admin-body h4,
.admin-body h5,
.admin-body h6 { letter-spacing: -.025em; }

.hybrid-page { color: var(--nf-navy); }
.hybrid-page > .d-flex:first-child { align-items: center !important; }
.hybrid-page > .d-flex:first-child h3 { font-size: clamp(1.55rem,3vw,2.15rem); font-weight: 800 !important; }
.hybrid-page > .d-flex:first-child .text-muted { margin-top: .35rem; color: var(--nf-muted) !important; font-size: .8rem; }

.hybrid-hero {
    position: relative;
    min-height: 170px;
    padding: 1.8rem 2rem;
    overflow: hidden;
    border: 0;
    border-radius: 1.25rem;
    color: #fff;
    background: linear-gradient(125deg, #071b2d, #0a3154 70%, #0b55e7 140%);
    box-shadow: 0 22px 45px rgba(6,26,44,.14);
}
.hybrid-hero::after { content: ""; position: absolute; right: -70px; bottom: -110px; width: 270px; height: 270px; border: 45px solid rgba(93,145,255,.18); border-radius: 50%; }
.hybrid-hero > * { position: relative; z-index: 1; }
.hybrid-hero-label { color: #91a7ba; font-size: .66rem; letter-spacing: .1em; }
.hybrid-hero-value { margin-top: .45rem; color: #fff !important; font-family: "Manrope", sans-serif; font-size: clamp(2.1rem,4vw,3.4rem); font-weight: 800; letter-spacing: -.045em; }
.hybrid-hero-subtitle { margin-top: .45rem; color: #aebdcc; font-size: .76rem; }
.hybrid-hero-stats { gap: .7rem; }
.hybrid-hero-stats > div { min-width: 100px; padding: .8rem; border: 1px solid rgba(255,255,255,.12); border-radius: .85rem; background: rgba(255,255,255,.055); backdrop-filter: blur(8px); }
.hybrid-hero-stats strong { color: #fff !important; font-size: 1.45rem; }
.hybrid-hero-stats span { margin-top: .2rem; color: #9fb2c3; font-size: .6rem; }

.hybrid-metric,
.hybrid-panel,
.branch-summary-card {
    border: 1px solid #e1e6ed;
    border-radius: 1rem;
    background: #fff;
    box-shadow: 0 8px 24px rgba(6,26,44,.045);
}
.hybrid-metric { min-height: 126px; padding: 1rem; border-left: 1px solid #e1e6ed; align-items: center; }
.hybrid-metric:hover { border-color: rgba(11,85,231,.25); transform: translateY(-2px); box-shadow: 0 14px 30px rgba(6,26,44,.08); }
.hybrid-metric-icon { width: 44px; height: 44px; border-radius: .8rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.hybrid-metric-success .hybrid-metric-icon { color: var(--nf-blue); background: var(--nf-blue-soft); }
.hybrid-metric-warning .hybrid-metric-icon { color: var(--nf-warning); background: #fff3d9; }
.hybrid-metric-info .hybrid-metric-icon { color: var(--nf-blue); background: var(--nf-blue-soft); }
.hybrid-metric-danger .hybrid-metric-icon { color: var(--nf-danger); background: #ffecef; }
.hybrid-metric-muted .hybrid-metric-icon { color: var(--nf-blue); background: var(--nf-blue-soft); }
.hybrid-metric-value { color: var(--nf-navy) !important; font-family: "Manrope", sans-serif; font-size: clamp(1.15rem,1.6vw,1.5rem); font-weight: 800; }
.hybrid-metric-label { margin-top: .25rem; color: #718095; font-size: .63rem; letter-spacing: .075em; }
.hybrid-metric-helper { color: var(--nf-blue); font-size: .68rem; }
.hybrid-panel { padding: 1.25rem; }
.hybrid-panel h5 { font-size: .98rem; }
.branch-summary-grid div { background: #f6f8fb; }
.branch-summary-grid span { color: #788699; font-size: .62rem; }
.risk-row { border-color: #e3e8ef; border-radius: .8rem; background: #fff; }
.risk-row:hover { background: #fafbfc; }

#adminMainWrapper .table-responsive { border-color: #e1e6ed !important; border-radius: .9rem !important; box-shadow: 0 7px 20px rgba(6,26,44,.04); }
#adminMainWrapper .table thead th { color: #718095; background: #f6f8fb; font-size: .65rem; letter-spacing: .055em; }
#adminMainWrapper .table tbody td { color: #344458; }
#adminMainWrapper .table-hover tbody tr:hover > * { background: #f5f8ff !important; }
#adminMainWrapper .pagination .page-link { border-color: var(--nf-line); border-radius: .55rem; color: var(--nf-navy); }
#adminMainWrapper .pagination .page-item.active .page-link { color: #fff; border-color: var(--nf-blue); background: var(--nf-blue); }

.admin-footer { display: flex; justify-content: space-between; gap: 1rem; margin-top: auto; padding: 1rem 1.75rem; border-top: 1px solid rgba(6,26,44,.07); color: #8793a3; background: #fff; font-size: .67rem; }
.nthandizi-tour-highlight { border-radius: .75rem !important; box-shadow: 0 0 0 5px rgba(11,85,231,.18) !important; }
.introjs-tooltip.nthandizi-tour-tooltip { border-radius: 1rem !important; box-shadow: var(--nf-shadow) !important; }

@media (min-width: 768px) {
    #adminMainWrapper { margin-left: 278px; }
}

@media (max-width: 1199.98px) {
    .admin-user-chip__copy { display: none; }
    .admin-user-chip { width: 42px; padding: .2rem; }
}

@media (max-width: 767.98px) {
    .admin-sidebar, #adminSidebar { width: min(300px, 88vw); box-shadow: 20px 0 60px rgba(0,0,0,.22); }
    .admin-topbar { min-height: 70px; }
    .admin-topbar-search { order: 3; flex-basis: 100%; max-width: 100%; }
    .admin-topbar-actions { margin-left: auto; }
    #mainContent { padding: 1.1rem .8rem 2rem !important; }
    .hybrid-page > .d-flex:first-child { align-items: flex-start !important; }
    .hybrid-hero { align-items: flex-start; min-height: 0; padding: 1.25rem; }
    .hybrid-hero-stats { width: 100%; }
    .admin-footer { align-items: flex-start; flex-direction: column; padding-inline: 1rem; }
}

@media (max-width: 479.98px) {
    .admin-topbar-shell { padding-inline: .65rem !important; }
    .admin-icon-btn, .admin-quick-button { width: 38px; min-width: 38px; height: 38px; min-height: 38px; padding: 0; }
    .admin-user-chip { width: 38px; }
    .admin-user-chip__avatar { width: 34px; height: 34px; flex-basis: 34px; }
    .hybrid-hero-stats { grid-template-columns: 1fr; text-align: left; }
    .hybrid-hero-stats > div { display: flex; justify-content: space-between; align-items: center; }
    .hybrid-hero-stats span { margin: 0; }
}

/* Client account experience */
.client-page {
    min-height: 70vh;
    padding: 7.5rem 0 6rem;
    background:
        radial-gradient(circle at 100% 0, rgba(11,85,231,.07), transparent 24rem),
        var(--nf-bg);
}

.client-nav {
    display: inline-flex;
    gap: .2rem;
    max-width: 100%;
    margin-bottom: 2.2rem;
    padding: .35rem;
    overflow-x: auto;
    border: 1px solid var(--nf-line);
    border-radius: .9rem;
    background: #fff;
    box-shadow: 0 6px 18px rgba(6,26,44,.04);
    scrollbar-width: none;
}
.client-nav::-webkit-scrollbar { display: none; }
.client-nav a { display: inline-flex; gap: .45rem; min-height: 38px; padding: .55rem .8rem; border-radius: .65rem; color: #637083 !important; font-size: .76rem; font-weight: 700; white-space: nowrap; }
.client-nav a i { color: #8190a2 !important; }
.client-nav a:hover { color: var(--nf-navy) !important; background: #f5f7fa; }
.client-nav a.active { color: #fff !important; background: var(--nf-navy); }
.client-nav a.active i { color: var(--nf-cyan) !important; }

.client-welcome,
.client-page-header {
    display: flex;
    justify-content: space-between;
    gap: 2rem;
    align-items: flex-end;
    margin-bottom: 2.2rem;
}
.client-welcome h1,
.client-page-header h1 { color: var(--nf-navy) !important; font-size: clamp(2rem,3vw,4rem); font-weight: 800; letter-spacing: -.055em; line-height: 1.08; }
.client-welcome > div:first-child > p,
.client-page-header > div > p { max-width: 680px; margin-top: .4rem !important; color: var(--nf-muted) !important; line-height: 1.7; }
.client-welcome__identity { display: flex; align-items: center; gap: .75rem; min-width: 240px; padding: .7rem .85rem; border: 1px solid var(--nf-line); border-radius: .9rem; background: #fff; }
.client-welcome__identity > span { display: grid; place-items: center; width: 42px; height: 42px; flex: 0 0 42px; border-radius: .75rem; color: #fff; background: var(--nf-blue); font-weight: 800; }
.client-welcome__identity div { display: block; min-width: 0; }
.client-welcome__identity small, .client-welcome__identity strong { display: block; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.client-welcome__identity small { color: var(--nf-muted); font-size: .65rem; }
.client-welcome__identity strong { margin-top: .1rem; font-size: .8rem; }
.client-page-header--with-action { align-items: center; }
.secure-label { display: inline-flex; align-items: center; gap: .45rem; width: fit-content; padding: .6rem .8rem; border: 1px solid rgba(13,143,104,.15); border-radius: .7rem; color: var(--nf-success); background: var(--nf-mint); font-size: .7rem; font-weight: 800; white-space: nowrap; }

.client-overview-grid { display: grid; grid-template-columns: minmax(0,1.2fr) minmax(280px,.8fr); gap: 1rem; align-items: start; }
.client-main-column, .client-side-column { display: grid; gap: 1rem; min-width: 0; }
.journey-card,
.latest-loan-card,
.account-summary-card,
.help-card,
.account-settings,
.loan-form-card,
.loan-summary-card,
.client-history-section,
.loan-history-card {
    border: 1px solid var(--nf-line);
    border-radius: 1.2rem;
    background: #fff;
    box-shadow: 0 8px 24px rgba(6,26,44,.045);
}
.journey-card { overflow: hidden; }
.journey-card__header,
.card-title-row { display: flex; justify-content: space-between; gap: 1rem; align-items: center; padding: 1.25rem 1.35rem; }
.card-title-row { padding: 0; }
.card-kicker { display: block; margin-bottom: .25rem; color: var(--nf-blue); font-size: .62rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.journey-card h2,
.latest-loan-card h2,
.account-settings h2,
.loan-form-card h2,
.loan-summary-card h2,
.client-history-section h2,
.loan-history-card h2,
.kyc-card-heading h2 { color: var(--nf-navy) !important; font-size: 1.05rem; font-weight: 800; }
.card-title-row > a { display: inline-flex; justify-content: flex-start; gap: .35rem; color: var(--nf-blue) !important; font-size: .72rem; font-weight: 800; }

.status-pill { display: inline-flex; align-items: center; justify-content: center; width: fit-content; padding: .42rem .65rem; border-radius: 999px; color: #576579; background: #edf0f4; font-size: .65rem; font-weight: 800; line-height: 1; white-space: nowrap; }
.status-pending { color: #936106; background: #fff2cf; }
.status-approved, .status-ready { color: #0754c5; background: #e7efff; }
.status-redeemed, .status-active { color: #085f79; background: #e0f6fa; }
.status-paid, .status-verified { color: #087653; background: #dff8ef; }
.status-overdue, .status-rejected { color: #ab2638; background: #ffe8ec; }

.journey-list { padding: 0 1.35rem; }
.journey-row { position: relative; display: grid; grid-template-columns: 42px minmax(0,1fr) auto; gap: .8rem; align-items: center; min-height: 78px; padding: .7rem 0; border-top: 1px solid #edf0f4; }
.journey-row::before { content: ""; position: absolute; top: 0; bottom: 0; left: 20px; width: 1px; background: #e2e7ed; }
.journey-row:first-child::before { top: 50%; }
.journey-row:last-child::before { bottom: 50%; }
.journey-row__marker { position: relative; z-index: 1; display: grid; place-items: center; width: 38px; height: 38px; border: 4px solid #fff; border-radius: 50%; color: #8794a4; background: #edf0f4; font-size: .72rem; font-weight: 800; box-shadow: 0 0 0 1px #e2e7ed; }
.journey-row.is-complete .journey-row__marker { color: #fff; background: var(--nf-success); box-shadow: 0 0 0 1px var(--nf-success); }
.journey-row.is-current .journey-row__marker { color: #fff; background: var(--nf-blue); box-shadow: 0 0 0 1px var(--nf-blue); }
.journey-row div { min-width: 0; }
.journey-row strong, .journey-row small { display: block; }
.journey-row strong { color: #2d3d51; font-size: .82rem; }
.journey-row small { margin-top: .18rem; color: #7a8798; font-size: .69rem; }
.journey-row__state { color: #8a96a6; font-size: .66rem; font-weight: 700; white-space: nowrap; }
.journey-row.is-complete .journey-row__state { color: var(--nf-success); }
.journey-row.is-current .journey-row__state { color: var(--nf-blue); }
.journey-card__action { display: flex; justify-content: space-between; align-items: center; gap: 1rem; margin: .6rem; padding: 1rem; border-radius: .9rem; background: var(--nf-bg); }
.journey-card__action > div { display: block; }
.journey-card__action strong, .journey-card__action span { display: block; }
.journey-card__action strong { font-size: .78rem; }
.journey-card__action span { margin-top: .18rem; color: var(--nf-muted); font-size: .68rem; }

.latest-loan-card, .account-summary-card, .help-card, .account-settings, .loan-form-card, .client-history-section, .loan-history-card { padding: 1.35rem; }
.latest-loan-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: .65rem; margin-top: 1.1rem; }
.latest-loan-grid > div { padding: .8rem; border-radius: .75rem; background: var(--nf-bg); }
.latest-loan-grid small, .latest-loan-grid strong { display: block; }
.latest-loan-grid small { color: var(--nf-muted); font-size: .63rem; }
.latest-loan-grid strong { margin-top: .3rem; color: var(--nf-navy); font-size: .78rem; }

.account-summary-card > div:first-child { display: flex; align-items: center; gap: 1rem; }

.account-summary-card { text-align: start; }
.account-summary-card__avatar { display: grid; place-items: center; width: 68px; height: 68px; margin: 0; border-radius: 1.15rem; color: #fff; background: linear-gradient(135deg,var(--nf-blue),#3c7cff); font-family: "Manrope",sans-serif; font-size: 1.45rem; font-weight: 800; box-shadow: 0 12px 24px rgba(11,85,231,.2); }
.account-summary-card h2 { font-size: 1rem; font-weight: 800; }
.account-summary-card > div > div p { margin-top: .2rem !important; color: var(--nf-muted) !important; font-size: .7rem; }
.account-summary-list { display: grid; gap: .55rem; margin: 1.1rem 0; padding: .8rem 0; border-block: 1px solid var(--nf-line); text-align: left; }
.account-summary-list > div { display: flex; justify-content: space-between; gap: 1rem; align-items: center; }
.account-summary-list span { display: inline-flex; gap: .45rem; color: var(--nf-muted); font-size: .68rem; }
.account-summary-list span i { color: var(--nf-blue) !important; }
.account-summary-list strong { max-width: 55%; overflow: hidden; color: #344458; font-size: .68rem; text-overflow: ellipsis; white-space: nowrap; }
.help-card { color: #fff; background: var(--nf-navy); display: flex; gap: 1rem; }
.help-card__icon { display: grid; place-items: center; width: 80px; height: 50px; border-radius: .75rem; color: var(--nf-cyan); background: rgba(103,216,238,.1); }
.help-card h3 { color: #fff !important; font-size: .95rem; font-weight: 800; }
.help-card p { margin-top: .5rem !important; color: #aebdcc !important; font-size: .76rem; line-height: 1.6; }
.help-card a { display: inline-flex; justify-content: flex-start; gap: .35rem; margin-top: 1rem; color: var(--nf-cyan) !important; font-size: .72rem; font-weight: 700; }

.account-settings { margin-top: 1rem; }
.account-settings__header { display: flex; justify-content: space-between; gap: 1rem; align-items: flex-start; margin-bottom: 1.5rem; }
.account-settings__header p { margin-top: .4rem !important; color: var(--nf-muted) !important; font-size: .75rem; }
.account-settings hr { margin-block: 1.5rem; border-color: var(--nf-line); }
.account-settings h3 { font-size: .9rem; font-weight: 800; }
.account-settings__action { display: flex; justify-content: flex-end; margin-top: 1.25rem; }

.loan-apply-grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(330px,.8fr); gap: 1rem; align-items: start; }
.loan-form-card form { margin-top: 1.5rem; }
.soft-icon { display: grid; place-items: center; width: 42px; height: 42px; flex: 0 0 42px; border-radius: .75rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.loan-type-description { margin-top: .55rem; padding: .65rem .75rem; border-radius: .65rem; color: #5f6e81; background: #f4f7fb; font-size: .72rem; line-height: 1.5; }
.money-input { position: relative; }
.money-input > span { position: absolute; z-index: 2; top: 50%; left: .9rem; display: grid; place-items: center; width: 32px; height: 32px; border-radius: .55rem; color: var(--nf-blue); background: var(--nf-blue-soft); font-size: .78rem; font-weight: 800; transform: translateY(-50%); }
.money-input .form-control { padding-left: 3.45rem; font-family: "Manrope",sans-serif !important; font-weight: 800; }
.field-label-row > span { color: var(--nf-blue); font-size: .68rem; font-weight: 700; }
.application-confirmation { display: flex; gap: .7rem; margin: 1.25rem 0; padding: .8rem; border: 1px solid #dce6f8; border-radius: .75rem; color: #516075; background: #f4f8ff; }
.application-confirmation i { color: var(--nf-blue) !important; }
.application-confirmation p { font-size: .72rem; line-height: 1.55; }
.loan-summary-card { position: sticky; top: 6.5rem; overflow: hidden; padding: 0; color: #fff; background: linear-gradient(145deg,#071b2d,#0b3153); }
.loan-summary-card__header { padding: 1.35rem; }
.loan-summary-card h2 { color: #fff !important; }
.loan-summary-card__header p { margin-top: .35rem !important; color: #9eb0c1 !important; font-size: .72rem; }
.loan-summary-amount { padding: 1rem 1.35rem; border-block: 1px solid rgba(255,255,255,.08); background: rgba(255,255,255,.045); }
.loan-summary-amount small, .loan-summary-amount strong, .loan-summary-amount span { display: block; }
.loan-summary-amount small { color: #8ea2b4; font-size: .66rem; }
.loan-summary-amount strong { color: #fff; font-family: "Manrope",sans-serif; font-size: clamp(2rem,4vw,3rem); letter-spacing: -.04em; }
.loan-summary-amount span { color: #7790a4; font-size: .64rem; }
.loan-summary-list { padding: .5rem 1.35rem; }
.loan-summary-list > div { display: flex; justify-content: space-between; gap: 1rem; padding: .65rem 0; border-bottom: 1px solid rgba(255,255,255,.07); }
.loan-summary-list > div:last-child { border-bottom: 0; }
.loan-summary-list span { color: #8da1b3; font-size: .69rem; }
.loan-summary-list strong { color: #e9f0f6; font-size: .71rem; }
.loan-summary-note { display: flex; gap: .7rem; margin: .7rem; padding: .85rem; border-radius: .75rem; background: rgba(103,216,238,.08); }
.loan-summary-note > i { color: var(--nf-cyan) !important; }
.loan-summary-note > span { display: block; }
.loan-summary-note strong, .loan-summary-note small { display: block; }
.loan-summary-note strong { color: #dcebf4; font-size: .7rem; }
.loan-summary-note small { color: #8da1b3; font-size: .62rem; }

.client-history-section { margin-top: 1rem; }
.client-history-section > .card-title-row { margin-bottom: 1rem; }
.responsive-records { overflow: hidden; border: 1px solid var(--nf-line); border-radius: .85rem; }
.responsive-records .table { min-width: 720px; }
.responsive-records .table thead th { background: #f6f8fb; }
.loan-reference { font-family: ui-monospace,SFMono-Regular,Menlo,monospace; color: #55667a; font-size: .68rem; }
.empty-record td { padding: 3rem 1rem !important; text-align: center; }
.empty-record td > * { margin-inline: auto; }
.empty-record__icon { display: grid; place-items: center; width: 48px; height: 48px; margin-bottom: .65rem !important; border-radius: .85rem; color: #8896a7; background: #edf0f4; }
.empty-record strong, .empty-record small { display: block; }
.empty-record strong { color: #39495d; font-size: .84rem; }
.empty-record small { margin-top: .25rem !important; color: var(--nf-muted); font-size: .7rem; }
.empty-record .btn { width: fit-content; margin-top: .8rem !important; }

.loan-history-card { padding: 0; overflow: hidden; }
.history-toolbar { display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1rem 1.25rem; }
.history-toolbar__title { display: flex; align-items: center; gap: .7rem; }
.history-toolbar__title > div { display: block; }
.history-toolbar__title strong, .history-toolbar__title small { display: block; }
.history-toolbar__title strong { font-size: .82rem; }
.history-toolbar__title small { margin-top: .1rem; color: var(--nf-muted); font-size: .66rem; }
.filter-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--nf-blue); }
.history-filters { display: grid; grid-template-columns: 1fr 1fr 1fr auto; gap: .75rem; align-items: end; padding: 1rem 1.25rem; border-top: 1px solid var(--nf-line); background: #f8fafc; }
.history-filters__actions { display: flex; gap: .5rem; }
.loan-history-card .responsive-records { border: 0; border-top: 1px solid var(--nf-line); border-radius: 0; }
.loan-name-cell { display: flex; align-items: center; gap: .7rem; }
.loan-name-cell > span { display: grid; place-items: center; width: 36px; height: 36px; flex: 0 0 36px; border-radius: .65rem; color: var(--nf-blue); background: var(--nf-blue-soft); font-size: .68rem; font-weight: 800; }
.loan-name-cell div { display: block; min-width: 0; }
.loan-name-cell strong, .loan-name-cell small, .cell-helper { display: block; }
.loan-name-cell strong { font-size: .78rem; }
.loan-name-cell small { margin-top: .15rem; color: var(--nf-muted); font-family: ui-monospace,SFMono-Regular,Menlo,monospace; font-size: .6rem; }
.cell-helper { margin-top: .15rem; color: var(--nf-muted); font-size: .62rem; }
.status-guide { display: grid; grid-template-columns: repeat(4,1fr); gap: .65rem; margin-top: 1rem; }
.status-guide > div { padding: .8rem; border: 1px solid var(--nf-line); border-radius: .8rem; background: rgba(255,255,255,.7); }
.status-guide p { margin-top: .5rem !important; color: var(--nf-muted) !important; font-size: .66rem; line-height: 1.5; }

.kyc-client-card { border-color: var(--nf-line) !important; box-shadow: 0 8px 24px rgba(6,26,44,.045) !important; }
.kyc-card-heading { display: flex; gap: .85rem; align-items: center; margin-bottom: 1.25rem; padding-bottom: 1.1rem; border-bottom: 1px solid var(--nf-line); }
.kyc-card-heading > div { display: block; }
.kyc-card-heading p { margin-top: .25rem !important; color: var(--nf-muted) !important; font-size: .72rem; }
.kyc-client-card .accordion { display: grid; gap: .65rem; }
.kyc-client-card .accordion-item { overflow: hidden; border: 1px solid var(--nf-line); border-radius: .8rem !important; }
.kyc-client-card .accordion-button { padding: 1rem; color: var(--nf-navy) !important; background: #fff; font-family: "Manrope",sans-serif !important; font-size: .82rem; font-weight: 800; box-shadow: none; }
.kyc-client-card .accordion-button:not(.collapsed) { color: var(--nf-blue) !important; background: #f7f9fd; }
.kyc-client-card .accordion-body { padding: 1rem; background: #fbfcfe; }
.kyc-client-card form > .btn,
.kyc-client-card form > button { margin-top: 1rem; }

@media (max-width: 991.98px) {
    .client-overview-grid, .loan-apply-grid { grid-template-columns: 1fr; }
    .client-side-column { grid-template-columns: 1fr 1fr; }
    .loan-summary-card { position: static; }
    .history-filters { grid-template-columns: repeat(3,1fr); }
    .history-filters__actions { grid-column: 1 / -1; justify-content: flex-end; }
    .status-guide { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 767.98px) {
    .client-page { padding: 6.5rem 0 4.5rem; }
    .client-nav { display: flex; width: 100%; margin-bottom: 1.6rem; }
    .client-nav a { flex: 0 0 auto; }
    .client-welcome, .client-page-header { align-items: flex-start; flex-direction: column; margin-bottom: 1.6rem; }
    .client-welcome__identity { width: 100%; }
    .client-page-header--with-action .btn { width: 100%; }
    .client-side-column { grid-template-columns: 1fr; }
    .latest-loan-grid { grid-template-columns: repeat(2,1fr); }
    .journey-card__action { align-items: stretch; flex-direction: column; }
    .account-settings__header { flex-direction: column; }
    .history-filters { grid-template-columns: 1fr; }
    .history-filters__actions { grid-column: auto; }

    .responsive-records { overflow: visible; border: 0; }
    .responsive-records .table { min-width: 0; }
    .responsive-records thead { display: none; }
    .responsive-records tbody { display: grid; gap: .7rem; }
    .responsive-records tr { display: block; overflow: hidden; border: 1px solid var(--nf-line); border-radius: .85rem; background: #fff; }
    .responsive-records td { display: flex; justify-content: space-between; gap: 1rem; align-items: center; width: 100%; padding: .7rem .85rem !important; border-bottom: 1px solid #edf0f4 !important; text-align: right; }
    .responsive-records td:last-child { border-bottom: 0 !important; }
    .responsive-records td::before { content: attr(data-label); color: var(--nf-muted); font-size: .63rem; font-weight: 800; letter-spacing: .04em; text-align: left; text-transform: uppercase; }
    .responsive-records .loan-name-cell { text-align: left; }
    .responsive-records .empty-record { display: block; }
    .responsive-records .empty-record td { display: block; padding: 2.5rem 1rem !important; text-align: center; }
    .responsive-records .empty-record td::before { display: none; }
    .loan-history-card .responsive-records { padding: .75rem; background: #f7f9fc; }
}

@media (max-width: 479.98px) {
    .client-nav a { padding-inline: .65rem; }
    .client-nav a i { display: none !important; }
    .journey-card__header, .card-title-row { align-items: flex-start; }
    .journey-row { grid-template-columns: 38px minmax(0,1fr); }
    .journey-row__state { grid-column: 2; }
    .latest-loan-grid, .status-guide { grid-template-columns: 1fr; }
    .history-toolbar { align-items: flex-start; }
    .history-toolbar__title .soft-icon { display: none; }
    .history-filters__actions { flex-direction: column; }
    .kyc-card-heading { align-items: flex-start; }
}

/* Flash messages */
.flash-alert { position: relative; overflow: hidden; }
.toast-stack .alert-success .alert-icon,
.toast-stack .alert-info .alert-icon { color: var(--nf-blue); background: var(--nf-blue-soft); }
.toast-stack .alert-warning .alert-icon { color: var(--nf-warning); background: #fff3d9; }
.toast-stack .alert-danger .alert-icon { color: var(--nf-danger); background: #ffecef; }

.admin-flash-stack {
    position: fixed;
    z-index: 1080;
    top: 92px;
    right: 1.5rem;
    display: grid;
    gap: .65rem;
    width: min(420px, calc(100% - 2rem));
}
.admin-flash {
    display: grid;
    grid-template-columns: 38px minmax(0, 1fr) 28px;
    gap: .75rem;
    align-items: center;
    margin: 0;
    padding: .8rem .75rem .8rem .8rem;
    overflow: hidden;
    border: 1px solid rgba(6, 26, 44, .09);
    border-left: 3px solid var(--nf-blue);
    border-radius: .9rem;
    color: #344458;
    background: rgba(255, 255, 255, .98);
    box-shadow: 0 18px 48px rgba(6, 26, 44, .16);
}
.admin-flash.alert-warning { border-left-color: #db8b08; }
.admin-flash.alert-danger { border-left-color: var(--nf-danger); }
.admin-flash__icon {
    display: grid;
    place-items: center;
    width: 36px;
    height: 36px;
    border-radius: .7rem;
    color: var(--nf-blue);
    background: var(--nf-blue-soft);
}
.admin-flash.alert-warning .admin-flash__icon { color: var(--nf-warning); background: #fff3d9; }
.admin-flash.alert-danger .admin-flash__icon { color: var(--nf-danger); background: #ffecef; }
.admin-flash__message { font-size: .78rem; font-weight: 700; line-height: 1.45; }
.admin-flash .btn-close { position: static; width: 28px; height: 28px; padding: .45rem; border-radius: .55rem; }

/* Public contact experience */
.contact-hero {
    padding: 10.5rem 0 5.5rem;
    color: #fff;
    background:
        radial-gradient(circle at 82% 10%, rgba(103, 216, 238, .2), transparent 20rem),
        linear-gradient(125deg, #061a2c, #0a3154 72%, #0b55e7 150%);
}
.contact-hero .container { display: flex; justify-content: space-between; gap: 4rem; align-items: flex-end; }
.contact-hero__copy { max-width: 690px; }
.contact-hero .eyebrow { color: var(--nf-cyan); }
.contact-hero h1 { margin-top: .8rem; color: #fff !important; font-size: clamp(2.7rem, 6vw, 5.2rem); font-weight: 800; letter-spacing: -.05em; }
.contact-hero__copy p { max-width: 620px; margin-top: 1rem !important; color: #b9c8d5 !important; font-size: 1.02rem; line-height: 1.75; }
.contact-hero__promise { display: grid; grid-template-columns: 48px minmax(0, 1fr); gap: .85rem; width: min(100%, 350px); padding: 1rem; border: 1px solid rgba(255, 255, 255, .12); border-radius: 1rem; background: rgba(255, 255, 255, .06); backdrop-filter: blur(10px); }
.contact-hero__promise > i { display: grid !important; place-items: center; width: 46px; height: 46px; border-radius: .8rem; color: var(--nf-cyan) !important; background: rgba(103, 216, 238, .1); }
.contact-hero__promise strong, .contact-hero__promise span { display: block; }
.contact-hero__promise strong { color: #fff; font-size: .82rem; }
.contact-hero__promise span { margin-top: .3rem; color: #9fb2c3; font-size: .7rem; line-height: 1.5; }

.contact-page-section { padding: 5rem 0 6rem; background: var(--nf-bg); }
.contact-layout { display: grid; grid-template-columns: minmax(0, .9fr) minmax(430px, 1.1fr); gap: clamp(1.25rem, 4vw, 4.5rem); align-items: start; }
.contact-options-panel .section-heading { margin-bottom: 1.6rem; }
.contact-options-panel .section-heading h2 { font-size: clamp(1.8rem, 3vw, 2.65rem); }
.contact-options-panel .section-heading p { max-width: 560px; }
.contact-channel-grid { display: grid; gap: .75rem; }
.contact-channel-card {
    display: grid;
    grid-template-columns: 46px minmax(0, 1fr) auto;
    gap: .9rem;
    align-items: center;
    padding: 1rem;
    border: 1px solid var(--nf-line);
    border-radius: 1rem;
    color: var(--nf-navy) !important;
    background: #fff;
    box-shadow: 0 8px 24px rgba(6, 26, 44, .04);
}
a.contact-channel-card:hover { border-color: rgba(11, 85, 231, .3); transform: translateY(-2px); box-shadow: 0 14px 32px rgba(6, 26, 44, .08); }
.contact-channel-card__icon { display: grid; place-items: center; width: 46px; height: 46px; border-radius: .8rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.contact-channel-card__copy, .contact-channel-card__copy > * { display: block; }
.contact-channel-card__copy small { color: var(--nf-muted); font-size: .65rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.contact-channel-card__copy strong { margin-top: .2rem; overflow-wrap: anywhere; color: var(--nf-navy); font-size: .88rem; }
.contact-channel-card__copy > span { margin-top: .22rem; color: var(--nf-muted); font-size: .7rem; }
.contact-channel-card__arrow { color: var(--nf-blue) !important; }
.contact-empty-state { display: flex; gap: .8rem; padding: 1rem; border: 1px dashed #cbd5e1; border-radius: 1rem; background: rgba(255, 255, 255, .6); }
.contact-empty-state > span { color: var(--nf-blue); }
.contact-empty-state strong { display: block; font-size: .82rem; }
.contact-empty-state p { margin-top: .25rem !important; color: var(--nf-muted) !important; font-size: .72rem; line-height: 1.55; }
.contact-note { display: flex; gap: .75rem; margin-top: 1rem; padding: .9rem; border-radius: .8rem; color: #59687a; background: #eaf1ff; }
.contact-note i { color: var(--nf-blue) !important; }
.contact-note p { font-size: .7rem; line-height: 1.55; }

.contact-form-card { padding: clamp(1.35rem, 3vw, 2.25rem); border: 1px solid var(--nf-line); border-radius: 1.35rem; background: #fff; box-shadow: var(--nf-shadow-sm); }
.contact-form-card__header { padding-bottom: 1.4rem; border-bottom: 1px solid var(--nf-line); }
.contact-form-card__header h2 { color: var(--nf-navy) !important; font-size: 1.55rem; font-weight: 800; }
.contact-form-card__header p { margin-top: .5rem !important; color: var(--nf-muted) !important; font-size: .78rem; line-height: 1.6; }
.contact-form-card form { margin-top: 1.4rem; }
.contact-form-card textarea.form-control { min-height: 145px; resize: vertical; }
.contact-form-card .form-label span { color: #909bab; font-weight: 500; }
.contact-form-card__footer { display: flex; justify-content: space-between; gap: 1rem; align-items: center; margin-top: 1.4rem; }
.contact-form-card__footer > span { display: inline-flex; gap: .4rem; max-width: 300px; color: var(--nf-muted); font-size: .65rem; line-height: 1.45; }
.contact-form-card__footer i { color: var(--nf-blue) !important; }

/* Admin contact management */
.admin-contact-grid { display: grid; grid-template-columns: minmax(360px, .8fr) minmax(0, 1.2fr); gap: 1rem; align-items: start; }
.admin-contact-editor form { margin-top: 1.25rem; }
.admin-contact-items, .contact-enquiry-list { display: grid; gap: .65rem; margin-top: 1rem; }
.admin-contact-item { display: grid; grid-template-columns: 42px minmax(0, 1fr) auto; gap: .75rem; align-items: center; padding: .75rem; border: 1px solid var(--nf-line); border-radius: .8rem; background: #fff; }
.admin-contact-item.is-inactive { opacity: .65; background: #f7f8fa; }
.admin-contact-item__icon { display: grid; place-items: center; width: 40px; height: 40px; border-radius: .7rem; color: var(--nf-blue); background: var(--nf-blue-soft); }
.admin-contact-item > div:nth-child(2), .admin-contact-item > div:nth-child(2) > * { display: block; min-width: 0; }
.admin-contact-item small { color: var(--nf-muted); font-size: .61rem; text-transform: uppercase; }
.admin-contact-item strong { margin-top: .12rem; overflow: hidden; font-size: .76rem; text-overflow: ellipsis; white-space: nowrap; }
.admin-contact-item > div:nth-child(2) > span { margin-top: .12rem; color: var(--nf-muted); font-size: .64rem; }
.admin-contact-item__actions { grid-column: 2 / -1; display: flex; justify-content: flex-end; gap: .4rem; }
.status-muted, .status-read { color: #5f6e81; background: #edf0f4; }
.status-new, .status-resolved { color: #0754c5; background: #e7efff; }

.contact-enquiry-item { display: grid; grid-template-columns: minmax(190px, .55fr) minmax(0, 1.45fr) auto; gap: 1rem; align-items: start; padding: 1rem; border: 1px solid var(--nf-line); border-radius: .9rem; background: #fff; }
.contact-enquiry-item.is-new { border-left: 3px solid var(--nf-blue); background: #fbfdff; }
.contact-enquiry-item__meta { display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: .7rem; align-items: center; }
.contact-enquiry-avatar { display: grid; place-items: center; width: 40px; height: 40px; border-radius: .7rem; color: #fff; background: var(--nf-navy); font-size: .75rem; font-weight: 800; }
.contact-enquiry-item__meta strong, .contact-enquiry-item__meta a { display: block; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.contact-enquiry-item__meta strong { font-size: .75rem; }
.contact-enquiry-item__meta a { margin-top: .12rem; color: var(--nf-blue) !important; font-size: .63rem; }
.contact-enquiry-item__message > div { display: flex; gap: .6rem; align-items: center; }
.contact-enquiry-item__message small { color: var(--nf-muted); font-size: .62rem; }
.contact-enquiry-item__message h6 { margin-top: .55rem !important; font-size: .8rem; font-weight: 800; }
.contact-enquiry-item__message p { margin-top: .3rem !important; color: #536276 !important; font-size: .7rem; line-height: 1.55; white-space: pre-wrap; }
.contact-enquiry-item__actions { display: flex; gap: .4rem; }

/* Client account modal */
.account-settings-modal .modal-content { overflow: hidden; border: 0; border-radius: 1.25rem; box-shadow: 0 30px 90px rgba(6, 26, 44, .25); }
.account-settings-modal .modal-content > form { display: flex; min-height: 0; flex: 1 1 auto; flex-direction: column; overflow: hidden; }
.account-settings-modal .modal-header,
.account-settings-modal .modal-footer { flex: 0 0 auto; }
.account-settings-modal .modal-body { min-height: 0; overflow-y: auto; }
.account-settings-modal .account-settings__header { margin: 0; padding: 1.35rem 1.5rem; border-bottom: 1px solid var(--nf-line); }
.account-settings-modal .account-settings__header h2 { color: var(--nf-navy) !important; font-size: 1.2rem; font-weight: 800; }
.account-settings-modal .modal-body { padding: 1.5rem; background: #fbfcfe; }
.account-settings-modal .modal-body hr { margin: 1.5rem 0; border-color: var(--nf-line); }
.account-settings-modal .modal-body h3 { font-size: .9rem; font-weight: 800; }
.account-settings-password-note { margin-top: .3rem !important; color: var(--nf-muted) !important; font-size: .7rem; }
.account-settings-modal .modal-footer { padding: 1rem 1.5rem; border-top-color: var(--nf-line); background: #fff; }

@media (max-width: 991.98px) {
    .contact-hero .container { align-items: flex-start; flex-direction: column; gap: 2rem; }
    .contact-layout, .admin-contact-grid { grid-template-columns: 1fr; }
    .contact-enquiry-item { grid-template-columns: 1fr; }
    .contact-enquiry-item__actions { justify-content: flex-end; }
}

@media (max-width: 767.98px) {
    .admin-flash-stack { top: 78px; right: 1rem; }
    .contact-hero { padding: 8.5rem 0 4rem; }
    .contact-page-section { padding: 3.5rem 0 4.5rem; }
    .contact-form-card__footer { align-items: stretch; flex-direction: column; }
    .contact-form-card__footer .btn { width: 100%; }
}

@media (max-width: 479.98px) {
    .contact-channel-card { grid-template-columns: 42px minmax(0, 1fr); }
    .contact-channel-card__arrow { display: none !important; }
    .admin-contact-item { grid-template-columns: 40px minmax(0, 1fr); }
    .admin-contact-item > .status-pill { grid-column: 2; }
    .admin-contact-item__actions { grid-column: 1 / -1; }
}