/* ================================================================
   PORTAL SCROLL FIX
   style.css sets overflow:hidden on html/body for the admin panel.
   Portal needs normal scrolling — override it here.
   ================================================================ */
html, body {
  overflow: auto !important;
  height: auto !important;
}

.auth-wrapper {
  overflow-y: auto !important;
}

.portal-app {
  overflow-x: hidden;
  overflow-y: auto;
  min-height: 100vh;
}

.portal-main {
  overflow-y: visible;
  /* Extra bottom padding so content isn't cut off on mobile */
  padding-bottom: 60px;
}

/* Mobile: nav items need space to breathe */
@media (max-width: 768px) {
  .portal-header {
    position: sticky;
    top: 0;
    z-index: 100;
  }
  .portal-main {
    padding: 16px 14px 80px;
  }
  .section-hero {
    flex-direction: column;
    align-items: flex-start;
  }
  .portal-stats {
    grid-template-columns: 1fr 1fr;
  }
  .form-grid-2 {
    grid-template-columns: 1fr !important;
  }
  .loan-amounts {
    grid-template-columns: 1fr 1fr;
  }
  .profile-grid {
    grid-template-columns: 1fr !important;
  }
  .calc-grid {
    grid-template-columns: 1fr 1fr;
  }
  .reg-steps small {
    display: none;
  }
  .step-actions {
    flex-wrap: wrap;
    gap: 8px;
  }
  .next-payment-card {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* Auth card scrollable on small screens */
@media (max-width: 480px) {
  .auth-card {
    padding: 24px 18px;
    margin: 12px;
    max-height: none;
  }
  .auth-wrapper {
    align-items: flex-start;
    padding: 16px 0;
  }
}

/* ================================================================
   LendBW — Borrower Portal Styles
   Extends style.css — import after it
   ================================================================ */

/* ── Auth wrapper ─────────────────────────────────────────────── */
.auth-wrapper {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px 16px;
  background: var(--bg-primary);
  background-image:
    radial-gradient(ellipse 700px 500px at 10% 20%, rgba(59,130,246,.08) 0%, transparent 70%),
    radial-gradient(ellipse 600px 400px at 90% 80%, rgba(139,92,246,.06) 0%, transparent 70%);
}

.auth-card {
  width: 100%;
  max-width: 600px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 36px 40px;
  box-shadow: 0 24px 80px rgba(0,0,0,.4);
}

.auth-brand {
  text-align: center;
  margin-bottom: 28px;
}
.auth-logo {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--accent-blue), var(--accent-purple));
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px; color: #fff;
  margin: 0 auto 12px;
  box-shadow: 0 8px 24px rgba(59,130,246,.35);
}
.auth-brand h1 { font-size: 26px; font-weight: 800; margin: 0; color: var(--text-primary); }
.auth-brand p  { color: var(--text-muted); font-size: 13px; margin: 4px 0 0; }

.auth-tabs {
  display: flex;
  gap: 4px;
  background: var(--bg-secondary);
  border-radius: 10px;
  padding: 4px;
  margin-bottom: 24px;
}
.auth-tab {
  flex: 1;
  padding: 8px 0;
  border: none;
  background: transparent;
  color: var(--text-muted);
  font-size: 14px;
  font-weight: 600;
  border-radius: 8px;
  cursor: pointer;
  transition: all .2s;
}
.auth-tab.active {
  background: var(--accent-blue);
  color: #fff;
  box-shadow: 0 4px 12px rgba(59,130,246,.3);
}

.auth-form { display: none; }
.auth-form.active { display: block; }
.auth-switch { text-align: center; margin-top: 18px; font-size: 13px; color: var(--text-muted); }
.auth-switch a { color: var(--accent-blue); text-decoration: none; font-weight: 600; }

/* ── Registration steps ───────────────────────────────────────── */
.reg-steps {
  display: flex;
  align-items: center;
  margin-bottom: 24px;
}
.reg-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  flex: 0 0 auto;
}
.reg-step span {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--bg-secondary);
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  color: var(--text-muted);
  transition: all .3s;
}
.reg-step small { font-size: 10px; color: var(--text-muted); white-space: nowrap; }
.reg-step.active span  { background: var(--accent-blue); border-color: var(--accent-blue); color: #fff; box-shadow: 0 4px 12px rgba(59,130,246,.4); }
.reg-step.done  span  { background: var(--accent-green); border-color: var(--accent-green); color: #fff; }
.reg-step-line { flex: 1; height: 2px; background: var(--border); margin: 0 6px; position: relative; top: -10px; }

.step-title {
  font-size: 16px; font-weight: 700;
  color: var(--text-primary);
  margin: 0 0 18px;
  display: flex; align-items: center; gap: 8px;
}
.step-title i { color: var(--accent-blue); }

.step-actions {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
}

.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.form-grid-2 .form-group.full { grid-column: 1 / -1; }
@media (max-width: 520px) { .form-grid-2 { grid-template-columns: 1fr; } }

.req { color: var(--accent-red); font-size: 11px; }
.field-hint { color: var(--text-muted); font-size: 11px; margin-top: 4px; display: block; }
.info-note {
  background: rgba(59,130,246,.08);
  border: 1px solid rgba(59,130,246,.2);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 13px;
  color: var(--text-secondary);
  display: flex; align-items: flex-start; gap: 10px;
  margin-bottom: 16px;
}
.info-note i { color: var(--accent-blue); margin-top: 2px; }

.terms-check { margin: 16px 0; }

/* ── Portal app layout ────────────────────────────────────────── */
.portal-app { display: flex; flex-direction: column; min-height: 100vh; }

/* ── Portal header ────────────────────────────────────────────── */
.portal-header {
  position: sticky; top: 0; z-index: 100;
  height: 60px;
  background: var(--bg-card);
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center;
  padding: 0 24px;
  gap: 20px;
  box-shadow: 0 2px 16px rgba(0,0,0,.2);
}
.portal-header-left { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; }
.portal-logo {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--accent-blue), var(--accent-purple));
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; color: #fff;
}
.portal-brand { font-size: 16px; font-weight: 800; color: var(--text-primary); display: block; }
.portal-brand-sub { font-size: 10px; color: var(--text-muted); display: block; }

/* === Sidebar nav (desktop: top bar strip; mobile: slide-in drawer) === */
.portal-nav {
  display: flex; align-items: center; gap: 4px;
  flex: 1; justify-content: center;
}
.portal-nav-header { display: none; } /* only visible in mobile drawer */
.portal-nav-close  { display: none; }

.pnav-item {
  display: flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 8px;
  color: var(--text-muted); text-decoration: none;
  font-size: 13px; font-weight: 500;
  transition: all .2s; white-space: nowrap;
}
.pnav-item:hover { background: var(--bg-hover); color: var(--text-primary); }
.pnav-item.active { background: rgba(59,130,246,.12); color: var(--accent-blue); font-weight: 600; }
.pnav-item i { font-size: 15px; width: 18px; text-align: center; }

@media (max-width: 900px) { .pnav-item span { display: none; } .pnav-item { padding: 6px 10px; } }

/* Mobile sidebar overlay */
#portal-sidebar-overlay {
  display: none; position: fixed; inset: 0;
  background: rgba(0,0,0,.45); z-index: 149;
  backdrop-filter: blur(2px);
}
#portal-sidebar-overlay.active { display: block; }

@media (max-width: 700px) {
  /* The nav becomes a fixed left-side drawer */
  .portal-nav {
    position: fixed; top: 0; left: 0;
    width: 260px; height: 100dvh;
    flex-direction: column; align-items: flex-start;
    justify-content: flex-start;
    gap: 2px; padding: 0 10px 20px;
    background: var(--bg-card);
    border-right: 1px solid var(--border-color, rgba(255,255,255,.08));
    box-shadow: 4px 0 24px rgba(0,0,0,.3);
    z-index: 150; overflow-y: auto;
    transform: translateX(-100%);
    transition: transform .28s cubic-bezier(.4,0,.2,1);
  }
  .portal-nav.mobile-open { transform: translateX(0); }

  .portal-nav-header {
    display: flex; align-items: center; gap: 10px;
    width: 100%; padding: 16px 4px 12px;
    border-bottom: 1px solid var(--border-color, rgba(255,255,255,.08));
    margin-bottom: 8px; flex-shrink: 0;
  }
  .portal-nav-header > div:last-of-type { flex: 1; }
  .portal-nav-close {
    display: flex; align-items: center; justify-content: center;
    background: none; border: none; color: var(--text-muted);
    font-size: 16px; cursor: pointer; padding: 4px 8px;
    border-radius: 6px; margin-left: auto;
  }
  .portal-nav-close:hover { background: var(--bg-hover); color: var(--text-primary); }

  .pnav-item { width: 100%; padding: 11px 14px; border-radius: 10px; font-size: 14px; }
  .pnav-item span { display: block; }
  .pnav-item i { font-size: 16px; }
}

.portal-header-right { display: flex; align-items: center; gap: 10px; flex: 0 0 auto; margin-left: auto; position: relative; }
.notif-btn { position: relative; }
.notif-badge {
  position: absolute; top: 2px; right: 2px;
  min-width: 16px; height: 16px;
  background: var(--accent-red);
  border-radius: 8px;
  font-size: 9px; font-weight: 700;
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  padding: 0 3px;
}
.portal-user-pill {
  display: flex; align-items: center; gap: 8px;
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: 30px;
  padding: 4px 12px 4px 4px;
  cursor: pointer;
  transition: all .2s;
}
.portal-user-pill:hover { border-color: var(--accent-blue); }
.portal-avatar {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent-blue), var(--accent-purple));
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; color: #fff;
}
#portal-username { font-size: 13px; font-weight: 600; color: var(--text-primary); }

.user-dropdown {
  position: absolute;
  top: 48px; right: 0;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 8px;
  min-width: 180px;
  box-shadow: 0 12px 40px rgba(0,0,0,.4);
  z-index: 200;
}
.user-dropdown a {
  display: flex; align-items: center; gap: 10px;
  padding: 8px 12px;
  border-radius: 8px;
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 13px;
  cursor: pointer;
  transition: all .2s;
}
.user-dropdown a:hover { background: var(--bg-hover); color: var(--text-primary); }
.user-dropdown hr { border: none; border-top: 1px solid var(--border); margin: 4px 0; }
.user-dropdown .logout-link { color: var(--accent-red); }
.user-dropdown .logout-link:hover { background: rgba(239,68,68,.08); }

.portal-hamburger {
  display: none;
  background: transparent; border: none;
  color: var(--text-primary); font-size: 20px;
  cursor: pointer; padding: 6px 10px;
  border-radius: 8px; flex-shrink: 0;
  margin-right: 4px;
}
.portal-hamburger:hover { background: var(--bg-hover); }
@media (max-width: 700px) { .portal-hamburger { display: flex; align-items: center; justify-content: center; } }

/* ── Portal main ──────────────────────────────────────────────── */
.portal-main { flex: 1; padding: 28px 32px; max-width: 1200px; margin: 0 auto; width: 100%; }
@media (max-width: 768px) { .portal-main { padding: 20px 16px; } }

.portal-section { display: none; }
.portal-section.active { display: block; }

/* ── Section hero ────────────────────────────────────────────── */
.section-hero {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 16px;
}
.section-hero h2 { font-size: 24px; font-weight: 800; color: var(--text-primary); margin: 0; }
.section-hero p  { color: var(--text-muted); font-size: 14px; margin: 4px 0 0; }
#hero-greeting { font-size: 22px; }

.section-sub-title {
  font-size: 15px; font-weight: 700;
  color: var(--text-primary);
  margin: 28px 0 14px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}

/* ── Dashboard stats ─────────────────────────────────────────── */
.portal-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 8px;
}
@media (max-width: 900px) { .portal-stats { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .portal-stats { grid-template-columns: 1fr 1fr; } }

.pstat-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px 16px;
  display: flex;
  align-items: center;
  gap: 14px;
  transition: transform .2s, box-shadow .2s;
}
.pstat-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.15); }
.pstat-icon {
  width: 44px; height: 44px; border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; flex-shrink: 0;
}
.pstat-icon.blue   { background: rgba(59,130,246,.12); color: var(--accent-blue); }
.pstat-icon.orange { background: rgba(249,115,22,.12);  color: var(--accent-orange); }
.pstat-icon.green  { background: rgba(16,185,129,.12);  color: var(--accent-green); }
.pstat-icon.purple { background: rgba(139,92,246,.12);  color: var(--accent-purple); }
.pstat-val   { font-size: 20px; font-weight: 800; color: var(--text-primary); line-height: 1.1; }
.pstat-label { font-size: 11px; color: var(--text-muted); margin-top: 2px; }

/* ── Active loan card ────────────────────────────────────────── */
.active-loan-card {
  background: linear-gradient(135deg, rgba(59,130,246,.1), rgba(139,92,246,.08));
  border: 1px solid rgba(59,130,246,.2);
  border-radius: 16px;
  padding: 22px 24px;
}
.loan-ref-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.loan-ref-row strong { font-size: 16px; font-weight: 700; color: var(--text-primary); }
.loan-amounts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.loan-amount-item span  { font-size: 11px; color: var(--text-muted); display: block; }
.loan-amount-item strong { font-size: 18px; font-weight: 800; color: var(--text-primary); }
.loan-progress-bar-wrap { margin-top: 16px; }
.loan-progress-label { display: flex; justify-content: space-between; font-size: 12px; color: var(--text-muted); margin-bottom: 6px; }
.loan-progress-bar  { height: 6px; background: var(--bg-secondary); border-radius: 3px; overflow: hidden; }
.loan-progress-fill { height: 100%; background: linear-gradient(90deg, var(--accent-blue), var(--accent-purple)); border-radius: 3px; transition: width .5s; }

/* ── Next payment card ───────────────────────────────────────── */
.next-payment-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.next-payment-info { display: flex; align-items: center; gap: 14px; }
.next-payment-icon {
  width: 44px; height: 44px;
  background: rgba(249,115,22,.12); color: var(--accent-orange);
  border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  font-size: 20px;
}
.next-payment-info .amount { font-size: 22px; font-weight: 800; color: var(--text-primary); }
.next-payment-info .due-date { font-size: 13px; color: var(--text-muted); }

/* ── Products grid ───────────────────────────────────────────── */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 16px;
  margin-bottom: 28px;
}
.product-card {
  background: var(--bg-card);
  border: 2px solid var(--border);
  border-radius: 14px;
  padding: 20px;
  cursor: pointer;
  transition: all .25s;
}
.product-card:hover { border-color: var(--accent-blue); transform: translateY(-3px); box-shadow: 0 8px 24px rgba(59,130,246,.15); }
.product-card.selected { border-color: var(--accent-blue); background: rgba(59,130,246,.06); }
.product-card-icon { width: 40px; height: 40px; border-radius: 10px; background: rgba(59,130,246,.12); color: var(--accent-blue); display: flex; align-items: center; justify-content: center; font-size: 18px; margin-bottom: 12px; }
.product-card h4 { font-size: 15px; font-weight: 700; color: var(--text-primary); margin: 0 0 6px; }
.product-card .product-rate { font-size: 24px; font-weight: 800; color: var(--accent-blue); }
.product-card .product-rate small { font-size: 12px; font-weight: 500; color: var(--text-muted); }
.product-card .product-range { font-size: 12px; color: var(--text-muted); margin-top: 6px; }
.product-card .product-desc { font-size: 12px; color: var(--text-muted); margin-top: 8px; line-height: 1.5; }

/* ── Apply form card ─────────────────────────────────────────── */
.apply-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
}
.calc-summary {
  background: rgba(16,185,129,.06);
  border: 1px solid rgba(16,185,129,.2);
  border-radius: 12px;
  padding: 18px;
  margin-top: 20px;
}
.calc-summary h4 { font-size: 14px; font-weight: 700; color: var(--accent-green); margin: 0 0 14px; display: flex; align-items: center; gap: 8px; }
.calc-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
@media (max-width: 600px) { .calc-grid { grid-template-columns: repeat(2, 1fr); } }
.calc-item span  { font-size: 11px; color: var(--text-muted); display: block; margin-bottom: 2px; }
.calc-item strong { font-size: 17px; font-weight: 800; color: var(--text-primary); }

.apply-disclaimer {
  background: rgba(249,115,22,.06);
  border: 1px solid rgba(249,115,22,.15);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 20px;
  display: flex;
  gap: 10px;
  align-items: flex-start;
  line-height: 1.6;
}
.apply-disclaimer i { color: var(--accent-orange); margin-top: 1px; flex-shrink: 0; }

.blocked-notice {
  background: rgba(249,115,22,.08);
  border: 1px solid rgba(249,115,22,.25);
  border-radius: 14px;
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  font-size: 14px;
}
.blocked-notice > i { font-size: 28px; color: var(--accent-orange); margin-top: 2px; }
.blocked-notice strong { color: var(--text-primary); font-size: 16px; }
.blocked-notice p { color: var(--text-muted); margin: 6px 0 0; }

/* ── My Loans list ───────────────────────────────────────────── */
.loans-list { display: flex; flex-direction: column; gap: 14px; }
.loan-list-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  cursor: pointer;
  transition: all .2s;
}
.loan-list-card:hover { border-color: var(--accent-blue); box-shadow: 0 4px 16px rgba(59,130,246,.1); }
.loan-list-left { display: flex; align-items: center; gap: 14px; }
.loan-list-icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: rgba(59,130,246,.1); color: var(--accent-blue);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; flex-shrink: 0;
}
.loan-list-ref { font-size: 15px; font-weight: 700; color: var(--text-primary); }
.loan-list-meta { font-size: 12px; color: var(--text-muted); margin-top: 2px; }
.loan-list-right { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.loan-list-amount { text-align: right; }
.loan-list-amount .amount { font-size: 18px; font-weight: 800; color: var(--text-primary); }
.loan-list-amount .label  { font-size: 11px; color: var(--text-muted); }

/* ── Repayments table ────────────────────────────────────────── */
.portal-table-wrap { overflow-x: auto; }
.portal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
}
.portal-table th {
  padding: 10px 14px;
  text-align: left;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .5px;
  text-transform: uppercase;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border);
}
.portal-table td {
  padding: 12px 14px;
  color: var(--text-secondary);
  border-bottom: 1px solid rgba(255,255,255,.04);
}
.portal-table tr:hover td { background: var(--bg-hover); }

/* ── Documents ───────────────────────────────────────────────── */
.docs-grid { display: flex; flex-direction: column; gap: 12px; }
.doc-upload-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.doc-icon { width: 40px; height: 40px; background: rgba(59,130,246,.1); color: var(--accent-blue); border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 18px; flex-shrink: 0; }
.doc-info { flex: 1; min-width: 140px; }
.doc-info strong { display: block; font-size: 14px; color: var(--text-primary); }
.doc-info small  { font-size: 12px; color: var(--text-muted); }
.doc-status { margin-left: auto; }
.upload-btn { cursor: pointer; }

/* ── Notifications ───────────────────────────────────────────── */
.notif-item {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 18px;
  margin-bottom: 10px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.notif-item.unread { border-left: 3px solid var(--accent-blue); background: rgba(59,130,246,.04); }
.notif-icon { width: 36px; height: 36px; border-radius: 9px; display: flex; align-items: center; justify-content: center; font-size: 15px; flex-shrink: 0; }
.notif-icon.blue   { background: rgba(59,130,246,.12); color: var(--accent-blue); }
.notif-icon.green  { background: rgba(16,185,129,.12);  color: var(--accent-green); }
.notif-icon.orange { background: rgba(249,115,22,.12);  color: var(--accent-orange); }
.notif-icon.purple { background: rgba(139,92,246,.12);  color: var(--accent-purple); }
.notif-body strong { font-size: 14px; color: var(--text-primary); display: block; }
.notif-body p  { font-size: 13px; color: var(--text-muted); margin: 4px 0 0; }
.notif-time    { font-size: 11px; color: var(--text-muted); margin-top: 4px; display: block; }

/* ── Profile ─────────────────────────────────────────────────── */
.profile-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
@media (max-width: 700px) { .profile-grid { grid-template-columns: 1fr; } }
.profile-section-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px;
}
.profile-section-card h4 {
  font-size: 14px; font-weight: 700; color: var(--accent-blue);
  margin: 0 0 16px;
  display: flex; align-items: center; gap: 8px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}
.profile-row {
  display: flex; justify-content: space-between;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,.04);
  font-size: 13px;
}
.profile-row:last-child { border-bottom: none; }
.profile-row span:first-child { color: var(--text-muted); }
.profile-row span:last-child  { color: var(--text-primary); font-weight: 500; text-align: right; }

/* ── Loan detail modal body ──────────────────────────────────── */
.detail-section { margin-bottom: 24px; }
.detail-section h4 { font-size: 14px; font-weight: 700; color: var(--accent-blue); margin: 0 0 12px; }
.detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
@media (max-width: 520px) { .detail-grid { grid-template-columns: repeat(2, 1fr); } }
.detail-item span  { font-size: 11px; color: var(--text-muted); display: block; }
.detail-item strong { font-size: 15px; font-weight: 700; color: var(--text-primary); }

/* ── Loading/empty states ────────────────────────────────────── */
.loading-spinner {
  text-align: center;
  padding: 40px;
  color: var(--text-muted);
  font-size: 14px;
}
.loading-spinner i { margin-right: 8px; }
.empty-state {
  text-align: center;
  padding: 40px;
  color: var(--text-muted);
  font-size: 14px;
  line-height: 2;
}
.empty-state i { font-size: 32px; display: block; margin-bottom: 8px; opacity: .4; }

/* ── Portal pagination ───────────────────────────────────── */
.portal-pagination {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  padding: 20px 0 8px;
  flex-wrap: wrap;
}
.portal-pagination .page-btn {
  min-width: 34px; height: 34px; padding: 0 10px;
  border-radius: 8px; border: 1px solid var(--border);
  background: transparent; color: var(--text-secondary);
  font-size: 13px; font-weight: 500; cursor: pointer; transition: all .2s;
}
.portal-pagination .page-btn:hover  { background: var(--bg-hover); color: var(--text-primary); }
.portal-pagination .page-btn.active { background: var(--accent-blue); color: #fff; border-color: var(--accent-blue); }

/* ── KYC blocked notice override for red ──────────────────── */
#apply-kyc-block {
  background: rgba(239,68,68,.06) !important;
  border-color: rgba(239,68,68,.2) !important;
}
#apply-kyc-block > i { color: var(--accent-red, #ef4444) !important; }

/* ── Collateral grid (portal) ────────────────────────────── */
#collateral-section > div {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px,1fr));
  gap: 16px;
}
@media (max-width: 600px) {
  #collateral-section > div { grid-template-columns: 1fr; }
}

/* ── Profile form grid ───────────────────────────────────── */
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.form-grid-2 .form-group.full { grid-column: 1 / -1; }
@media (max-width: 540px) { .form-grid-2 { grid-template-columns: 1fr; } }

/* ── Badge extras needed on portal ──────────────────────── */
.badge-rejected   { background: rgba(239,68,68,.12);  color: #ef4444; }
.badge-defaulted  { background: rgba(239,68,68,.15);  color: #dc2626; }
.badge-overdue    { background: rgba(239,68,68,.12);  color: #ef4444; }
.badge-completed  { background: rgba(59,130,246,.12); color: #3b82f6; }
.badge-suspended  { background: rgba(107,114,128,.12);color: #9ca3af; }

/* ── View button on doc cards ────────────────────────── */
.doc-view-btn {
  margin-left: 6px;
  padding: 3px 10px;
  font-size: 11px;
  vertical-align: middle;
}

/* ── Document Viewer Modal ───────────────────────────── */
#modal-doc-viewer {
  display: flex;
  align-items: center;
  justify-content: center;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.75);
  z-index: 9999;
  opacity: 0;
  pointer-events: none;
  transition: opacity .2s;
}
#modal-doc-viewer.active {
  opacity: 1;
  pointer-events: all;
}
.doc-viewer-modal {
  background: var(--bg-card, #1e293b);
  border: 1px solid var(--border, rgba(255,255,255,.08));
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  width: min(92vw, 900px);
  max-height: 90vh;
  overflow: hidden;
  box-shadow: 0 24px 80px rgba(0,0,0,.6);
  transform: translateY(12px);
  transition: transform .2s;
}
#modal-doc-viewer.active .doc-viewer-modal {
  transform: translateY(0);
}
.doc-viewer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  border-bottom: 1px solid var(--border, rgba(255,255,255,.08));
  gap: 12px;
  flex-shrink: 0;
}
.doc-viewer-title {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-primary, #f1f5f9);
  min-width: 0;
}
.doc-viewer-title i { color: var(--accent-blue, #3b82f6); font-size: 16px; }
.doc-viewer-title span:first-of-type {
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  max-width: 280px;
}
.doc-viewer-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.doc-viewer-body {
  flex: 1;
  overflow: auto;
  min-height: 200px;
  background: var(--bg-secondary, #0f172a);
  display: flex;
  align-items: center;
  justify-content: center;
}
.doc-viewer-loading,
.doc-viewer-error {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  color: var(--text-muted, #64748b);
  font-size: 14px;
  padding: 40px;
}
.doc-viewer-loading i { font-size: 28px; color: var(--accent-blue, #3b82f6); }
.doc-viewer-error   i { font-size: 32px; color: #ef4444; }
.doc-viewer-iframe {
  width: 100%;
  height: 70vh;
  border: none;
  display: block;
}
.doc-viewer-img-wrap {
  width: 100%;
  height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
  box-sizing: border-box;
}
.doc-viewer-img {
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
  border-radius: 8px;
  box-shadow: 0 4px 24px rgba(0,0,0,.4);
}
@media (max-width: 600px) {
  .doc-viewer-modal { width: 100vw; max-height: 100vh; border-radius: 0; }
  .doc-viewer-iframe,
  .doc-viewer-img-wrap { height: 60vh; }
  .doc-viewer-title span:first-of-type { max-width: 160px; }
}

/* ── Responsive improvements ─────────────────────────────── */
@media (max-width: 768px) {
  .portal-table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .portal-table { min-width: 480px; }
  .form-grid-2 { grid-template-columns: 1fr !important; }
  .profile-grid { grid-template-columns: 1fr !important; }
  .apply-card { padding: 16px 14px; }
  .docs-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-list-card { flex-direction: column; align-items: flex-start; gap: 10px; }
  .loan-list-right { width: 100%; justify-content: flex-start; flex-wrap: wrap; }
  .calc-grid { grid-template-columns: 1fr 1fr; }
  .detail-grid { grid-template-columns: 1fr; }
  .portal-header .nav-items { gap: 4px; }
  .portal-nav-label { display: none; }
  .section-sub-title { font-size: 14px; }
}

@media (max-width: 480px) {
  .docs-grid { grid-template-columns: 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .auth-wrapper { padding: 10px; }
  .auth-card { padding: 20px 16px; }
  .portal-header { padding: 0 12px; }
  .loan-amounts { flex-wrap: wrap; gap: 8px; }
  .loan-amount-item { min-width: 80px; }
}

/* ── Password toggle button ──────────────────────────────── */
.pw-toggle {
  position: absolute;
  right: 10px;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--text-muted, #9ca3af);
  padding: 4px;
  font-size: 0.85rem;
  z-index: 2;
  line-height: 1;
}
.pw-toggle:hover { color: var(--text-primary, #f1f5f9); }

/* ── Repayment Schedule ──────────────────────────────────── */
.schedule-loan-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.schedule-tab {
  padding: 7px 16px;
  border-radius: 20px;
  border: 1.5px solid var(--border-color, rgba(255,255,255,0.08));
  background: var(--card-bg, rgba(255,255,255,0.04));
  color: var(--text-muted, #9ca3af);
  font-size: 13px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.18s;
  display: flex;
  align-items: center;
  gap: 6px;
}
.schedule-tab.active,
.schedule-tab:hover {
  background: var(--accent-blue, #3b82f6);
  color: #fff;
  border-color: var(--accent-blue, #3b82f6);
}
.schedule-table tbody tr.sched-paid td {
  color: var(--text-muted, #9ca3af);
  text-decoration: line-through;
  text-decoration-color: rgba(16,185,129,0.4);
  background: rgba(16,185,129,0.04);
}
.schedule-table tbody tr.sched-overdue td {
  background: rgba(239,68,68,0.07);
  color: var(--accent-red, #ef4444);
}
.schedule-table tbody tr.sched-overdue td strong {
  color: var(--accent-red, #ef4444);
}
.schedule-table tbody tr.sched-next td {
  background: rgba(245,158,11,0.07);
  border-top: 2px solid var(--accent-orange, #f59e0b);
  border-bottom: 2px solid var(--accent-orange, #f59e0b);
}
.next-badge {
  display: inline-block;
  margin-left: 6px;
  padding: 1px 6px;
  border-radius: 4px;
  background: var(--accent-orange, #f59e0b);
  color: #fff;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: .5px;
  vertical-align: middle;
}
.badge.sm { font-size: 10px; padding: 2px 7px; }

@media (max-width: 600px) {
  .schedule-table th:nth-child(3),
  .schedule-table td:nth-child(3),
  .schedule-table th:nth-child(4),
  .schedule-table td:nth-child(4) { display: none; }
}