:root{--bg:#f5f7fb;--panel:#ffffff;--ink:#17212f;--muted:#64748b;--line:#dbe3ee;--primary:#00a77f;--primary-dark:#08745c;--accent:#2f6df6;--warning:#d97706;--danger:#dc2626}*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font-family:Arial,Helvetica,sans-serif}button,input,select,textarea{font:inherit}button{cursor:pointer}a{color:inherit;text-decoration:none}.shell{min-height:100vh;display:grid;grid-template-columns:260px 1fr}.sidebar{background:#102235;color:white;padding:24px;display:flex;flex-direction:column;gap:28px}.brand{display:grid;grid-gap:4px;gap:4px}.brand strong{font-size:22px}.brand span{color:#a9c8d6;font-size:13px}.nav{display:grid;grid-gap:8px;gap:8px}.nav-group{display:grid;grid-gap:6px;gap:6px}.nav button{border:0;background:transparent;color:#dceaf0;padding:11px 12px;border-radius:8px;text-align:left;display:flex;gap:10px;align-items:center}.nav button.active,.nav button:hover{background:rgba(255,255,255,.12);color:white}.nav-submenu{display:grid;grid-gap:4px;gap:4px;padding-left:18px;border-left:1px solid rgba(255,255,255,.16);margin-left:18px}.nav-submenu button{padding:9px 10px;color:#bdd4df;font-size:13px}.nav-submenu button.active,.nav-submenu button:hover{background:rgba(0,167,127,.22);color:white}.main{padding:26px;min-width:0}.topbar{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:22px}.topbar h1{font-size:28px;margin:0 0 4px}.topbar p{margin:0;color:var(--muted)}.userbox{display:flex;align-items:center;gap:12px}.avatar{width:42px;height:42px;border-radius:50%;background:var(--primary);color:white;display:grid;place-items:center;font-weight:700}.grid{display:grid;grid-gap:16px;gap:16px}.stats{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.two{grid-template-columns:1.4fr .9fr;align-items:start}.card{background:var(--panel);border:1px solid var(--line);border-radius:8px;padding:18px;box-shadow:0 10px 30px rgba(15,23,42,.05)}.card h2{font-size:17px;margin:0 0 14px}.stat{min-height:116px;display:grid;grid-gap:10px;gap:10px}.stat .label{color:var(--muted);font-size:13px;display:flex;align-items:center;gap:8px}.stat .value{font-size:27px;font-weight:800}.stat .hint{color:var(--muted);font-size:12px}.score-stat{position:relative}.info-trigger{width:24px;height:24px;border:1px solid var(--line);border-radius:50%;display:inline-grid;place-items:center;background:white;color:var(--accent);padding:0}.info-trigger:focus,.info-trigger:hover{background:#edf4ff;outline:0}.score-tooltip{position:absolute;z-index:5;left:18px;right:18px;top:42px;display:none;padding:12px;border:1px solid var(--line);border-radius:8px;background:#ffffff;color:var(--ink);box-shadow:0 14px 28px rgba(15,23,42,.14);font-size:12px;line-height:1.45}.score-stat:focus-within .score-tooltip,.score-stat:hover 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9px;background:#e9f8f4;color:var(--primary-dark)}.badge.warn{background:#fff7ed;color:var(--warning)}.badge.danger{background:#fee2e2;color:var(--danger)}.form{display:grid;grid-gap:12px;gap:12px}.field{display:grid;grid-gap:6px;gap:6px}.field label{font-size:13px;color:var(--muted);font-weight:700}.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:8px;padding:11px 12px;background:white;color:var(--ink)}.actions{display:flex;gap:10px;flex-wrap:wrap}.btn{border:0;border-radius:8px;padding:11px 14px;display:inline-flex;align-items:center;gap:8px;font-weight:700;background:var(--primary);color:white}.btn.secondary{background:#e9eef7;color:var(--ink)}.btn.compact{padding:8px 10px;font-size:13px}.btn:disabled{cursor:not-allowed;opacity:.5}.searchbar{display:flex;align-items:center;gap:10px;border:1px solid var(--line);border-radius:8px;padding:0 12px;background:white;max-width:560px}.searchbar input{border:0;outline:0;width:100%;padding:12px 0;background:transparent}.member-cell{display:grid;grid-gap:2px;gap:2px;min-width:180px}.member-cell small,.muted{color:var(--muted);font-size:12px}.pager{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:14px;color:var(--muted);font-size:13px}.login{min-height:100vh;display:grid;place-items:center;padding:20px;background:linear-gradient(135deg,#eefbf6,#edf4ff)}.login-panel{width:min(430px,100%)}.login-panel h1{margin:0 0 8px;font-size:32px}.login-panel p{margin:0 0 18px;color:var(--muted)}.login-terms{color:var(--muted);font-size:12px;line-height:1.45}.error{color:var(--danger);font-size:13px}.empty{color:var(--muted);padding:18px 0}.capital-panel{display:grid;grid-gap:18px;gap:18px}.capital-heading{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:20px;gap:20px}.capital-breakdown div,.capital-heading div,.due-summary div{display:grid;grid-gap:5px;gap:5px}.capital-breakdown span,.capital-heading span,.due-summary 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(max-width:980px){.shell{grid-template-columns:1fr}.sidebar{position:-webkit-sticky;position:sticky;top:0;z-index:5;padding:16px;gap:14px}.nav{grid-template-columns:repeat(3,minmax(0,1fr))}.nav-group{gap:5px}.nav-submenu{grid-template-columns:repeat(3,minmax(0,1fr));grid-column:1/-1;padding-left:0;margin-left:0;border-left:0}.nav button{justify-content:center;font-size:0}.nav svg{width:21px;height:21px}.stats,.two{grid-template-columns:1fr}.topbar{align-items:flex-start;flex-direction:column}.card{overflow-x:auto}.pager{align-items:flex-start}.pager,.table-tools{flex-direction:column}.table-tools{align-items:stretch}.table-tools .searchbar{max-width:none;width:100%}.form-grid{grid-template-columns:1fr}.capital-breakdown,.capital-heading,.loan-limits{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));grid-gap:12px;gap:12px;margin:16px 0}.loan-limits div{display:grid;grid-gap:4px;gap:4px;padding:10px 0;border-bottom:1px solid var(--line)}.loan-limits span{color:var(--muted);font-size:12px}.due-summary{grid-template-columns:1fr}.modal{padding:18px}.section-toolbar{align-items:flex-start;flex-direction:column}.password-guide ul,.terms-content{grid-template-columns:1fr}}