/* ── Root Variables ─────────────────────────────────────────── */
:root {
  --sidebar-w: 220px;
  --bg:        #F4F6FA;
  --surface:   #FFFFFF;
  --surface-raised: #FFFFFF;
  --surface-sunken: #EEF2F7;
  --border:    #E2E8F0;
  --border-strong: #CBD5E0;
  --text:      #1A202C;
  --text-secondary: #64748B;
  --text-muted: #94A3B8;
  --primary:   #378ADD;
  --primary-strong: #1E40AF;
  --danger:    #DC3545;
  --warning:   #FFC107;
  --success:   #1D9E75;
  --coral:     #D85A30;
  --amber:     #BA7517;

  /* Risk semantic tokens — used everywhere risk/urgency is conveyed */
  --risk-critical:  #DC2626;
  --risk-high:      #EA580C;
  --risk-medium:    #CA8A04;
  --risk-low:       #16A34A;
  --risk-neutral:   #6B7280;
  --risk-critical-bg: #FEF2F2;
  --risk-high-bg:     #FFF7ED;
  --risk-medium-bg:   #FEFCE8;
  --risk-low-bg:      #F0FDF4;
  --risk-neutral-bg:  #F1F5F9;

  /* Spacing scale */
  --sp-1: 0.25rem; --sp-2: 0.5rem; --sp-3: 0.75rem;
  --sp-4: 1rem;    --sp-5: 1.25rem; --sp-6: 1.5rem;
  --sp-7: 2rem;    --sp-8: 3rem;

  --radius:    10px;
  --radius-sm: 6px;
  --radius-lg: 14px;
  --shadow:    0 1px 6px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 14px rgba(0,0,0,0.10);
  --shadow-lg: 0 10px 30px rgba(0,0,0,0.12);
}

/* ── Reset & Base ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  background: var(--bg);
  color: var(--text);
  display: flex;
  min-height: 100vh;
}
a { color: inherit; text-decoration: none; }

/* ── Sidebar ────────────────────────────────────────────────── */
/* V5.5.4 — Sidebar compacted further so 24+ items + Account section fit on
   a 768px viewport without scroll. !important everywhere because Bootstrap and
   browser defaults love to override. Cache-busted via ?v={{ build_version }}
   on the link tag. */
.sidebar {
  width: var(--sidebar-w);
  min-height: 100vh;
  max-height: 100vh;
  background: #1A202C;
  color: #CBD5E0;
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0; left: 0;
  z-index: 100;
  overflow-y: auto;
  scrollbar-width: thin;
  scrollbar-color: #2D3748 transparent;
}
.sidebar::-webkit-scrollbar       { width: 6px; }
.sidebar::-webkit-scrollbar-track { background: transparent; }
.sidebar::-webkit-scrollbar-thumb { background: #2D3748; border-radius: 3px; }

.sidebar-brand {
  padding: 0.55rem 0.9rem 0.25rem !important;
  display: flex !important;
  align-items: center !important;
  gap: 0.5rem !important;
  border-bottom: none !important;
}
.sidebar .brand-icon { font-size: 1.15rem !important; }
.sidebar .brand-text { font-size: 0.9rem !important; font-weight: 700 !important; color: #F7FAFC !important; letter-spacing: 0.02em !important; }

/* Build line — small, on an explicit black band so the text is always legible
   regardless of theme. V5.5.5 — user reported text invisible. */
.sidebar-build {
  padding: 0.35rem 0.9rem 0.4rem !important;
  font-size: 0.64rem !important;
  font-weight: 500 !important;
  line-height: 1.3 !important;
  color: #CBD5E0 !important;
  background: #000000 !important;
  border-bottom: 1px solid #2D3748 !important;
  margin: 0 0 0.25rem 0 !important;
}

.sidebar-nav {
  padding: 0.15rem 0 0.4rem !important;
  flex: 1;
}
.sidebar .nav-link {
  display: flex !important;
  align-items: center !important;
  gap: 0.45rem !important;
  padding: 0.28rem 0.9rem !important;
  color: #A0AEC0 !important;
  font-size: 0.78rem !important;
  line-height: 1.25 !important;
  transition: background 0.15s, color 0.15s;
  border-radius: 0;
  text-decoration: none !important;
}
.sidebar .nav-link:hover  { background: #2D3748 !important; color: #F7FAFC !important; }
.sidebar .nav-link.active { background: #2B6CB0 !important; color: #EBF8FF !important; font-weight: 600 !important; }
.sidebar .nav-icon        { font-size: 0.88rem !important; width: 1rem !important; text-align: center !important; }

.sidebar .nav-section {
  padding: 0.45rem 0.9rem 0.1rem !important;
  font-size: 0.6rem !important;
  letter-spacing: 0.08em !important;
  text-transform: uppercase !important;
  color: #4A5568 !important;
  font-weight: 600 !important;
}

/* Sidebar footer — only used now for the unread-statements badge */
.sidebar-footer {
  padding: 0.5rem 0.9rem !important;
  border-top: 1px solid #2D3748;
  font-size: 0.72rem;
  color: #FFFFFF;
  line-height: 1.4;
}

/* ── Main Content ───────────────────────────────────────────── */
/* V4.5 — bumped max-width from 1400 → 1700 so wide monitors fill
   horizontally instead of stranding a big empty band on the right.
   Padding stays 1.5rem, leaving ~2-3 inches of margin on most desktops. */
.main-content {
  margin-left: var(--sidebar-w);
  flex: 1;
  padding: 1.5rem;
  max-width: 1700px;
}

/* ── Page Header ────────────────────────────────────────────── */
.page-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
  gap: 0.8rem;
}
.page-title    { font-size: 1.65rem; font-weight: 700; color: var(--text); }
.page-subtitle { color: var(--text-secondary); font-size: 0.875rem; margin-top: 0.2rem; }
.breadcrumb-nav {
  font-size: 0.8rem;
  color: var(--text-secondary);
  margin-bottom: 0.3rem;
}
.breadcrumb-nav a { color: var(--primary); }
.breadcrumb-nav a:hover { text-decoration: underline; }

/* ── FY Selector ────────────────────────────────────────────── */
.fy-selector { display: flex; gap: 0.4rem; flex-wrap: wrap; }
.fy-btn {
  padding: 0.3rem 0.8rem;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 600;
  border: 1.5px solid var(--border);
  color: var(--text-secondary);
  background: var(--surface);
  transition: all 0.15s;
}
.fy-btn:hover  { border-color: var(--primary); color: var(--primary); }
.fy-btn.active { background: var(--primary); color: #fff; border-color: var(--primary); }

/* ── Grand Total Banner ─────────────────────────────────────── */
.grand-total-banner {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.5rem 2rem;
  text-align: center;
  margin-bottom: 1.5rem;
}
.gt-label  { font-size: 0.8rem; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 0.3rem; }
.gt-amount { font-size: 2.2rem; font-weight: 800; margin-bottom: 0.3rem; }
.gt-sub    { font-size: 0.82rem; color: var(--text-secondary); }

/* ── Card Panel ─────────────────────────────────────────────── */
.card-panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem 1.5rem;
}
.panel-title {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-secondary);
  margin-bottom: 1rem;
}
.mb-2 { margin-bottom: 0.5rem !important; }
.mb-4 { margin-bottom: 1.5rem !important; }
.mt-3 { margin-top: 1rem !important; }
.mt-4 { margin-top: 1.5rem !important; }

/* ── Person Grid (Home) ─────────────────────────────────────── */
.person-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(360px, 1fr));
  gap: 1.25rem;
}

.person-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem;
}
.person-card-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 1rem;
}
.person-name { font-size: 1.1rem; font-weight: 700; }
.person-meta { font-size: 0.78rem; color: var(--text-secondary); margin-top: 0.15rem; }
.btn-view {
  padding: 0.3rem 0.75rem;
  background: var(--primary);
  color: #fff;
  border-radius: 6px;
  font-size: 0.8rem;
  font-weight: 600;
  white-space: nowrap;
}
.btn-view:hover { background: #2563EB; color: #fff; }

/* ── Metric Row ─────────────────────────────────────────────── */
.metric-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.6rem;
  margin-bottom: 1rem;
}
.metric-box {
  background: var(--bg);
  border-radius: 8px;
  padding: 0.6rem 0.7rem;
  text-align: center;
}
.metric-label { font-size: 0.68rem; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.25rem; }
.metric-value { font-size: 0.95rem; font-weight: 700; }

/* ── Card Mini List ─────────────────────────────────────────── */
.card-mini-list { display: flex; flex-direction: column; gap: 0.35rem; }
.card-mini-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.6rem;
  background: var(--bg);
  border-radius: 6px;
  font-size: 0.8rem;
  transition: background 0.12s;
}
.card-mini-item:hover { background: #E2E8F0; }
.card-mini-bank   { font-weight: 600; color: var(--text-secondary); min-width: 55px; }
.card-mini-name   { flex: 1; color: var(--text); }
.card-mini-amt    { font-weight: 700; min-width: 70px; text-align: right; }

/* ── Person Banner ──────────────────────────────────────────── */
.person-banner {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem 1.5rem;
  margin-bottom: 1.5rem;
}
.banner-stat { text-align: center; flex: 1; min-width: 110px; }
.banner-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-secondary); margin-bottom: 0.25rem; }
.banner-value { font-size: 1.35rem; font-weight: 800; }

/* ── Cards Grid (Person Page) ───────────────────────────────── */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 1rem;
}
.card-tile {
  display: block;
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 1.1rem;
  transition: box-shadow 0.15s, border-color 0.15s;
  cursor: pointer;
}
.card-tile:hover         { box-shadow: 0 4px 16px rgba(0,0,0,0.12); border-color: var(--primary); }
.card-tile-closed        { opacity: 0.55; }
.card-tile-header        { display: flex; justify-content: space-between; align-items: center; margin-bottom: 0.5rem; }
.card-tile-bank          { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-secondary); }
.card-tile-name          { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.2rem; }
.card-tile-last4         { font-size: 0.78rem; color: var(--text-secondary); margin-bottom: 0.7rem; }
.card-tile-outstanding   { font-size: 1.2rem; font-weight: 800; }
.card-tile-label         { font-size: 0.65rem; color: var(--text-secondary); font-weight: 400; display: block; margin-top: 0.15rem; }
.card-tile-limit         { font-size: 0.72rem; color: var(--text-secondary); margin-top: 0.5rem; }

/* ── Metric Strip (Card Page) ───────────────────────────────── */
.metric-strip {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.metric-panel {
  flex: 1;
  min-width: 130px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1rem 1.2rem;
}
.metric-panel-label { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-secondary); margin-bottom: 0.4rem; }
.metric-panel-value { font-size: 1.4rem; font-weight: 800; }

/* Highlighted charges metric panel */
.metric-panel-highlight {
  border-color: #F5C6CB;
  background: #FFF8F8;
}
.color-charges { color: #C0392B !important; }

/* ── Interest Banner ────────────────────────────────────────── */
.interest-banner {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  padding: 1rem 1.25rem;
  border-radius: var(--radius);
  margin-bottom: 1.5rem;
  font-size: 0.9rem;
  line-height: 1.6;
}
.interest-banner-warn {
  background: #FFFBE6;
  border: 1px solid #FFE58F;
}
.interest-banner-high {
  background: #FFF1F0;
  border: 1px solid #FFCCC7;
}
.interest-banner-icon { font-size: 1.4rem; flex-shrink: 0; }
.interest-banner-body { color: var(--text); }

/* ── Panel title row (title + subtitle on same line) ─────────── */
.panel-title-row {
  display: flex;
  align-items: baseline;
  gap: 1rem;
  margin-bottom: 1rem;
  flex-wrap: wrap;
}
.panel-subtitle {
  font-size: 0.75rem;
  color: var(--text-secondary);
  font-weight: 400;
}

/* ── Chart Row ──────────────────────────────────────────────── */
.chart-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
@media (max-width: 900px) { .chart-row { grid-template-columns: 1fr; } }

/* ── Data Table ─────────────────────────────────────────────── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.data-table th {
  text-align: left;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-secondary);
  border-bottom: 2px solid var(--border);
  padding: 0.55rem 0.75rem;
  white-space: nowrap;
}
.data-table td {
  padding: 0.5rem 0.75rem;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.data-table tbody tr:last-child td { border-bottom: none; }
.data-table tbody tr:hover { background: var(--bg); }
.table-totals td {
  border-top: 2px solid var(--border);
  border-bottom: none;
  padding-top: 0.65rem;
  background: var(--bg);
}
.text-end  { text-align: right !important; }
.fw-bold   { font-weight: 700 !important; }
.text-muted   { color: var(--text-secondary) !important; }
.text-success { color: var(--success) !important; }
.text-warning { color: var(--warning) !important; }
.text-danger  { color: var(--danger)  !important; }

/* ── Status Badges ──────────────────────────────────────────── */
.badge { font-size: 0.7rem; padding: 0.2em 0.6em; border-radius: 20px; font-weight: 600; white-space: nowrap; }
.badge-active  { background: #D1FAE5; color: #065F46; }
.badge-blocked { background: #FEE2E2; color: #991B1B; }
.badge-overdue { background: #FEF3C7; color: #92400E; }
.badge-closed  { background: #F1F5F9; color: #475569; }
.badge-pending { background: #EDE9FE; color: #5B21B6; }

/* ── Admin Form ─────────────────────────────────────────────── */
.admin-form .form-group { margin-bottom: 1rem; }
.admin-form label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--text-secondary); margin-bottom: 0.35rem; }
.admin-form .form-control,
.admin-form .form-select {
  border: 1.5px solid var(--border);
  border-radius: 7px;
  padding: 0.45rem 0.75rem;
  font-size: 0.875rem;
  width: 100%;
  background: var(--surface);
  color: var(--text);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.admin-form .form-control:focus,
.admin-form .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(55,138,221,0.15);
  outline: none;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

.btn-primary { background: var(--primary); color: #fff; border: none; border-radius: 7px; padding: 0.5rem 1.2rem; font-size: 0.875rem; font-weight: 600; cursor: pointer; transition: background 0.15s; }
.btn-primary:hover { background: #2563EB; }
.btn-success { background: var(--success); color: #fff; border: none; border-radius: 7px; padding: 0.5rem 1.2rem; font-size: 0.875rem; font-weight: 600; cursor: pointer; transition: background 0.15s; }
.btn-success:hover { background: #15803D; }
.btn-sm { padding: 0.25rem 0.6rem; font-size: 0.78rem; }
.btn-outline-primary { background: transparent; color: var(--primary); border: 1.5px solid var(--primary); border-radius: 6px; padding: 0.25rem 0.6rem; font-size: 0.78rem; font-weight: 600; transition: all 0.15s; }
.btn-outline-primary:hover { background: var(--primary); color: #fff; }

/* ── Bootstrap Nav Tabs Override ───────────────────────────── */
.nav-tabs { border-bottom: 2px solid var(--border); margin-bottom: 1.5rem; }
.nav-tabs .nav-link { color: var(--text-secondary); border: none; border-bottom: 3px solid transparent; padding: 0.6rem 1rem; font-size: 0.875rem; font-weight: 600; background: transparent; transition: color 0.15s; }
.nav-tabs .nav-link:hover  { color: var(--primary); border-bottom-color: var(--primary); }
.nav-tabs .nav-link.active { color: var(--primary); border-bottom-color: var(--primary); background: transparent; }

/* ── Narrative & Insight Badges ─────────────────────────────── */
.analysis-section { margin-bottom: 1.5rem; }

.narrative-panel { border-left: 4px solid var(--primary); }
.narrative-text {
  font-size: 0.92rem;
  line-height: 1.75;
  color: var(--text);
  padding: 0.25rem 0 0.1rem;
}

/* ── Family Overview redesigned tables ────────────────────────── */
.person-header {
  display: flex; align-items: center; justify-content: space-between;
  padding-bottom: 0.85rem; margin-bottom: 0.85rem;
  border-bottom: 1px solid var(--border);
}
.person-name { font-size: 1.25rem; font-weight: 800; color: var(--text); line-height: 1.2; }
.person-meta { font-size: 0.78rem; color: var(--text-secondary); margin-top: 0.2rem; }

.btn-view {
  display: inline-block;
  padding: 0.45rem 0.9rem;
  background: var(--primary);
  color: #fff;
  font-size: 0.85rem;
  font-weight: 600;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.15s ease;
}
.btn-view:hover { background: #2470b8; color: #fff; }

.person-summary-strip {
  display: flex; gap: 2.5rem; flex-wrap: wrap;
  padding: 0.4rem 0 1rem; margin-bottom: 0.5rem;
  border-bottom: 1px solid var(--border);
}
.person-summary-strip .metric { min-width: 110px; }
.person-summary-strip .metric-label {
  font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--text-secondary); margin-bottom: 0.25rem;
}
.person-summary-strip .metric-value {
  font-size: 1.05rem; font-weight: 700; color: var(--text); line-height: 1.2;
}

.table-card-link {
  color: var(--text); text-decoration: none; font-weight: 500;
}
.table-card-link:hover { color: var(--primary); text-decoration: underline; }

/* Serial column — narrow, muted */
.data-table .col-serial { width: 32px; text-align: center; font-size: 0.78rem; }

/* Statement date / billing period cells — narrow font, easy to scan */
.data-table .cell-stmt   { white-space: nowrap; font-size: 0.82rem; }
.data-table .cell-period { white-space: nowrap; font-size: 0.82rem; }

/* Charges color: blue (replaces the harder-to-read yellow `text-warning`) */
.text-charges-blue { color: #2D6FC7; font-weight: 600; }

/* ── Spend Strategy — Today's Best Card hero callout ───────────── */
.best-card-hero {
  display: flex; align-items: center; gap: 1.2rem;
  background: linear-gradient(135deg, #FFFBEB 0%, #FEF3C7 100%);
  border: 1px solid #FCD34D;
  border-left: 6px solid #F59E0B;
  border-radius: 14px;
  padding: 1.1rem 1.4rem;
  margin-bottom: 1.4rem;
  box-shadow: 0 4px 14px rgba(245,158,11,0.10);
}
.best-card-icon {
  font-size: 2.6rem; line-height: 1;
  filter: drop-shadow(0 2px 4px rgba(245,158,11,0.4));
}
.best-card-body { flex: 1; }
.best-card-label {
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.16em;
  text-transform: uppercase; color: #92400E; margin-bottom: 0.25rem;
}
.best-card-name {
  font-size: 1.25rem; font-weight: 700; color: #1F2937;
  margin-bottom: 0.3rem;
}
.best-card-owner { color: #6B7280; font-weight: 500; font-size: 1.05rem; }
.best-card-detail {
  font-size: 0.92rem; color: #44403C; line-height: 1.55;
}
.best-card-days {
  display: inline-block;
  background: #16A34A; color: #fff;
  padding: 0.1rem 0.55rem; border-radius: 6px;
  font-weight: 700; font-size: 0.95rem;
  margin: 0 0.15rem;
}

/* Spend Strategy — unusable rows (overdue/closed/blocked) */
.row-unusable { background: rgba(148, 163, 184, 0.08); opacity: 0.78; }
.row-unusable td { font-style: italic; }

/* Spend Strategy — due-soon highlight (V4.9)
   Active cards whose latest bill is within the grace window with the due date
   approaching get a coloured row tint so unpaid bills jump out at a glance.
   Critical = ≤2 days (red), Warning = 3-7 days (amber).  Box-shadow inset
   produces a left-border effect that survives table-cell borders cleanly. */
.spend-strategy-table tr.due-soon-critical {
  background: rgba(220, 38, 38, 0.07);
  box-shadow: inset 4px 0 0 0 var(--risk-critical);
}
.spend-strategy-table tr.due-soon-critical:hover { background: rgba(220, 38, 38, 0.12); }
.spend-strategy-table tr.due-soon-warning {
  background: rgba(202, 138, 4, 0.06);
  box-shadow: inset 4px 0 0 0 var(--risk-medium);
}
.spend-strategy-table tr.due-soon-warning:hover  { background: rgba(202, 138, 4, 0.10); }

/* Spend Strategy — verdict badge (Best / Good / OK / Wait / etc) */
.verdict-badge {
  display: inline-block;
  color: #fff; font-weight: 700; font-size: 0.78rem;
  padding: 0.22rem 0.6rem; border-radius: 999px;
  letter-spacing: 0.02em; white-space: nowrap;
  box-shadow: 0 1px 3px rgba(0,0,0,0.12);
}

/* Spend Strategy — Cycle-start day pill (V4.6) — calendar-day indicator
   that turns green when today's day-of-month is within ±3 of the cycle start.
   Helps the user see "this card's next cycle is starting soon — swipe now for max free days". */
.cycle-day-pill {
  display: inline-block;
  min-width: 56px;
  padding: 0.25rem 0.55rem;
  border-radius: 8px;
  font-size: 0.78rem; font-weight: 700;
  text-align: center;
  background: var(--surface-sunken);
  color: var(--text-secondary);
  border: 1px solid var(--border);
  white-space: nowrap;
}
.cycle-day-pill .cycle-day-today {
  display: block;
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  opacity: 0.7;
  margin-top: 0.05rem;
}
.cycle-day-pill.is-today {
  background: linear-gradient(135deg, #16A34A 0%, #15803D 100%);
  color: #FFFFFF; border-color: #15803D;
  box-shadow: 0 2px 6px rgba(22,163,74,0.3);
}
.cycle-day-pill.is-near {
  background: linear-gradient(135deg, #DCFCE7 0%, #BBF7D0 100%);
  color: #14532D; border-color: #86EFAC;
}
.cycle-day-pill.is-recent {
  background: var(--risk-low-bg);
  color: var(--risk-low); border-color: #86EFAC;
}

/* Spend Strategy — Last/Next cycle cell */
.cycle-cell { font-size: 0.84rem; line-height: 1.5; min-width: 230px; }
/* 3-column grid so label / date / relative-days align vertically between
   the "Closed" and "Pay by" rows (V5.6 — user-flagged alignment fix). */
.cycle-cell .cycle-row {
  display: grid; grid-template-columns: 52px 120px auto;
  align-items: baseline; column-gap: 0.4rem;
}
.cycle-cell .cycle-label {
  font-size: 0.7rem; color: #6B7280; text-transform: uppercase;
  font-weight: 700; letter-spacing: 0.06em;
}
.cycle-cell .cycle-rel { font-size: 0.78rem; white-space: nowrap; }
.spend-strategy-table th { font-size: 0.78rem; }

/* ── Logged-payment marker (V5.6) — a manual payment exists for this card
   but no statement has reconciled it yet. Shown on the critical-cards,
   upcoming-dues and payment-calendar panels. */
.row-paid { background: rgba(22, 163, 74, 0.06); }
.paid-flag {
  display: inline-block; margin-left: 0.35rem;
  font-size: 0.72rem; font-weight: 600; color: #065F46;
  background: #D1FAE5; border: 1px solid #6EE7B7;
  border-radius: 4px; padding: 0.05rem 0.4rem; white-space: nowrap;
}

/* ── Payment Calendar ───────────────────────────────────────── */
/* Mid-range outstanding (₹25k–₹1L): purple — the old text-warning amber
   was too low-contrast to read on the light calendar rows (V5.6). */
.cal-out-mid { color: #7B2CBF; }
.calendar-list { display: flex; flex-direction: column; gap: 0.7rem; padding: 0.5rem 0; }
.cal-bucket {
  display: grid; grid-template-columns: 145px 1fr; gap: 1rem;
  background: #fff; border-radius: 10px;
  padding: 0.85rem 1rem; box-shadow: 0 1px 4px rgba(0,0,0,0.05);
}
.cal-date-col {
  padding: 0.3rem 0 0.3rem 0.8rem;
  border-left: 4px solid #6B7280;
  display: flex; flex-direction: column; justify-content: center;
}
.cal-date-big   { font-size: 1.05rem; font-weight: 700; color: #1F2937; line-height: 1.2; }
.cal-date-rel   { font-size: 0.85rem; font-weight: 600; margin-top: 0.15rem; }
.cal-events-col { display: flex; flex-direction: column; gap: 0.55rem; }
.cal-event {
  border-left: 3px solid #E5E7EB;
  padding: 0.45rem 0.7rem; border-radius: 6px;
  background: #FAFBFC;
}
.cal-event-due  { border-left-color: #DC2626; background: #FEF2F2; }
.cal-event-stmt { border-left-color: #1E40AF; background: #EFF6FF; }
.cal-event-head {
  display: flex; flex-wrap: wrap; align-items: center; gap: 0.5rem;
  font-size: 0.92rem;
}
.cal-event-badge {
  color: #fff; font-weight: 700; font-size: 0.68rem;
  padding: 0.18rem 0.45rem; border-radius: 4px; letter-spacing: 0.06em;
}
.cal-event-card   { color: #1F2937; font-weight: 600; text-decoration: none; }
.cal-event-card:hover { color: #1E40AF; text-decoration: underline; }
.cal-event-person { color: #6B7280; font-size: 0.85rem; }
.cal-event-meta   { font-size: 0.83rem; color: #4B5563; margin-top: 0.2rem; padding-left: 0.1rem; }

/* ── Payment Calendar — table layout (V4.7 / V5.0) ──────────────────── */
.cal-table .cal-row-due           { background: rgba(220,38,38,0.04); }
.cal-table .cal-row-stmt          { background: rgba(30,64,175,0.04); }
.cal-table .cal-row-emi           { background: rgba(22,163,74,0.04); }   /* loan EMI */
.cal-table .cal-row-emi-overdraft { background: rgba(202,138,4,0.04); }   /* overdraft interest */
.cal-table .cal-row-auto          { opacity: 0.85; }                      /* auto-debited rows fade slightly */
.cal-table .cal-row:hover         { background: var(--surface-sunken); opacity: 1; }
.cal-table .cal-bucket-sep td { padding: 0.15rem 0; background: transparent; border: none; }
.cal-date-cell {
  white-space: nowrap;
  border-left: 3px solid var(--risk-neutral);
  padding-left: var(--sp-3);
}
.cal-date-cell.urg-critical { border-left-color: var(--risk-critical); }
.cal-date-cell.urg-high     { border-left-color: var(--risk-high); }
.cal-date-cell.urg-medium   { border-left-color: var(--risk-medium); }
.cal-date-cell strong { display: block; font-size: 0.92rem; color: var(--text); }
.cal-date-cell .cal-date-rel { display: block; font-size: 0.78rem; font-weight: 600; margin-top: 0.1rem; }

.cal-badge {
  display: inline-block;
  color: #fff; font-weight: 700; font-size: 0.7rem;
  padding: 0.22rem 0.55rem; border-radius: 4px; letter-spacing: 0.06em;
  white-space: nowrap;
}

/* Util-pct color tiers — utility classes used inline via util_class() helper.
   No new declarations needed — reuses .text-muted / .text-warning / .text-danger / .fw-bold. */

/* ── Card Health Monitor — visual infographic ──────────────────── */
.health-monitor { margin: 1rem 0 1.5rem; }
.health-monitor-title {
  font-size: 0.78rem; font-weight: 800; letter-spacing: 0.15em;
  text-transform: uppercase; color: #475569; margin-bottom: 0.6rem;
}

/* Top row: status card + interest leakage */
.hm-top-row {
  display: grid; grid-template-columns: 280px 1fr; gap: 1rem; margin-bottom: 1rem;
}
@media (max-width: 900px) { .hm-top-row { grid-template-columns: 1fr; } }

.hm-status {
  border-radius: 12px; padding: 1.2rem 1.4rem; color: #fff;
  display: flex; flex-direction: column; gap: 0.4rem;
  box-shadow: 0 4px 14px rgba(0,0,0,0.08);
}
.hm-status-icon  { font-size: 2rem; line-height: 1; }
.hm-status-label { font-size: 1.55rem; font-weight: 800; letter-spacing: 0.04em; }
.hm-status-score { font-size: 0.82rem; opacity: 0.92; }
.hm-status-bar   { height: 6px; background: rgba(255,255,255,0.25); border-radius: 3px; overflow: hidden; margin-top: 0.4rem; }
.hm-status-bar > div { height: 100%; background: #fff; border-radius: 3px; }

.hm-bleed {
  border-radius: 12px; padding: 1.1rem 1.3rem;
  background: linear-gradient(135deg, #FFF5F5, #FFE8E8);
  border: 1px solid #FECACA;
  display: flex; align-items: center; gap: 1rem;
}
.hm-bleed-icon { font-size: 2.4rem; }
.hm-bleed-body { flex: 1; }
.hm-bleed-title { font-size: 0.78rem; font-weight: 800; color: #991B1B; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 0.2rem; }
.hm-bleed-amt   { font-size: 1.6rem; font-weight: 800; color: #B91C1C; line-height: 1.1; }
.hm-bleed-sub   { font-size: 0.85rem; color: #7F1D1D; margin-top: 0.25rem; }

/* Breakdown bar + pill legend */
.hm-bd-bar {
  display: flex; height: 14px; margin: 0.55rem 0 0.45rem;
  border-radius: 7px; overflow: hidden;
  background: rgba(0,0,0,0.05); box-shadow: inset 0 1px 2px rgba(0,0,0,0.06);
}
.hm-bd-seg { height: 100%; }
.hm-bd-int { background: #DC3545; }   /* Interest — red */
.hm-bd-lpc { background: #FA8C16; }   /* Late Fees — orange */
.hm-bd-ann { background: #F7B500; }   /* Annual — yellow */
.hm-bd-tax { background: #8B5CF6; }   /* GST — purple */

.hm-bd-legend { display: flex; flex-wrap: wrap; gap: 0.45rem; margin-top: 0.3rem; }
.hm-bd-pill {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-size: 0.78rem; color: #475569;
  background: #fff; border: 1px solid #E2E8F0;
  padding: 0.2rem 0.55rem; border-radius: 12px;
}
.hm-bd-pill i {
  width: 8px; height: 8px; border-radius: 50%; display: inline-block;
}
.hm-bd-pill.hm-bd-int i { background: #DC3545; }
.hm-bd-pill.hm-bd-lpc i { background: #FA8C16; }
.hm-bd-pill.hm-bd-ann i { background: #F7B500; }
.hm-bd-pill.hm-bd-tax i { background: #8B5CF6; }
.hm-bd-pill b { color: #1E293B; font-weight: 700; margin-left: 0.15rem; }

/* Stat cards row */
.hm-stat-row {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 1rem;
}
@media (max-width: 700px) { .hm-stat-row { grid-template-columns: 1fr; } }
.hm-stat {
  background: #fff; border: 1px solid #E2E8F0; border-radius: 10px;
  padding: 1rem 1.1rem; box-shadow: 0 1px 4px rgba(0,0,0,0.03);
  display: flex; flex-direction: column; gap: 0.35rem;
}
.hm-stat-label { font-size: 0.7rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; color: #64748B; }
.hm-stat-value { font-size: 1.7rem; font-weight: 800; line-height: 1.1; }
.hm-stat-sub   { font-size: 0.82rem; color: #64748B; }
.hm-stat-icon  { float: right; font-size: 1.3rem; opacity: 0.7; }
.hm-stat-growth   .hm-stat-value { color: #DC3545; }
.hm-stat-penalty  .hm-stat-value { color: #FA8C16; }
.hm-stat-status   .hm-stat-value { color: #6366F1; font-size: 1.15rem; line-height: 1.3; }
.hm-spark { width: 100%; height: 32px; margin-top: 0.4rem; }

/* Repayment timeline */
.hm-roadmap {
  background: linear-gradient(135deg, #EFF6FF, #DBEAFE);
  border: 1px solid #BFDBFE; border-radius: 10px;
  padding: 1.1rem 1.3rem;
}
.hm-roadmap-title { font-size: 0.82rem; font-weight: 800; letter-spacing: 0.12em; text-transform: uppercase; color: #1E40AF; margin-bottom: 0.8rem; }
.hm-plan-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.8rem;
}
@media (max-width: 700px) { .hm-plan-grid { grid-template-columns: 1fr; } }
.hm-plan-step {
  background: #fff; border-radius: 8px; padding: 0.85rem 1rem;
  border-left: 4px solid #3B82F6;
}
.hm-plan-step-label { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; color: #1D4ED8; margin-bottom: 0.3rem; }
.hm-plan-step-rate  { font-size: 1.2rem; font-weight: 800; color: #1E3A8A; }
.hm-plan-step-time  { font-size: 0.85rem; color: #475569; margin-top: 0.2rem; }

/* ── Story / Impact / Action sections (redesigned analysis blocks) ─────── */

/* Shared section header */
.story-section, .impact-section, .action-section { margin-bottom: 1.6rem; }
.story-section-header {
  display: flex; align-items: center; gap: 0.85rem; margin-bottom: 1rem;
}
.story-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, #6366F1, #8B5CF6);
  color: #fff; font-size: 1.4rem;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 12px rgba(99,102,241,0.25);
}
.story-section-title {
  font-size: 1.1rem; font-weight: 800; color: #0F172A; line-height: 1.2;
}
.story-section-subtitle {
  font-size: 0.78rem; color: #64748B; margin-top: 0.15rem;
}

/* Highlight any ₹ or % numbers inside text */
.hl-num {
  font-weight: 700;
  color: #0F172A;
  background: linear-gradient(180deg, transparent 60%, rgba(255,221,87,0.45) 60%);
  padding: 0 0.12em;
}

/* === Analysis & Observations — story-card grid === */
.story-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 0.85rem;
}
.story-card {
  display: flex; gap: 0.85rem;
  background: #fff;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
  padding: 0.95rem 1.1rem;
  transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
  position: relative;
}
.story-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(15,23,42,0.08);
  border-color: #CBD5E0;
}
.story-card-icon {
  flex: 0 0 36px; width: 36px; height: 36px;
  border-radius: 10px;
  background: linear-gradient(135deg, #F1F5F9, #E2E8F0);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.story-card-text {
  font-size: 0.9rem; line-height: 1.55; color: #1E293B; flex: 1;
}

/* === Key Insights — impact cards === */
.impact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(360px, 1fr));
  gap: 0.95rem;
}
.impact-card {
  display: flex;
  background: #fff;
  border: 1px solid #E2E8F0;
  border-radius: 11px;
  overflow: hidden;
  box-shadow: 0 2px 6px rgba(0,0,0,0.04);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.impact-card:hover { transform: translateY(-2px); box-shadow: 0 8px 20px rgba(0,0,0,0.08); }
.impact-card-bar { width: 5px; flex: 0 0 5px; }
.impact-card-body { padding: 0.95rem 1.1rem; flex: 1; }
.impact-card-header {
  display: flex; align-items: center; gap: 0.55rem; margin-bottom: 0.55rem;
}
.impact-card-icon { font-size: 1.35rem; }
.impact-card-tag {
  font-size: 0.65rem; font-weight: 800; letter-spacing: 0.1em;
  padding: 0.22rem 0.6rem; border-radius: 4px; color: #fff;
}
.impact-card-text {
  font-size: 0.9rem; line-height: 1.6; color: #1E293B;
}

/* Per-severity colors */
.impact-critical .impact-card-bar, .impact-urgent .impact-card-bar { background: linear-gradient(180deg, #DC3545, #A02835); }
.impact-cost .impact-card-bar    { background: linear-gradient(180deg, #FA8C16, #C36C0E); }
.impact-alert .impact-card-bar   { background: linear-gradient(180deg, #F7B500, #B88500); }
.impact-action .impact-card-bar  { background: linear-gradient(180deg, #2DC76D, #1F9E55); }
.impact-travel .impact-card-bar  { background: linear-gradient(180deg, #2D9CDB, #1A78B0); }
.impact-info .impact-card-bar    { background: linear-gradient(180deg, #94A3B8, #64748B); }

/* === Recommendations — action roadmap === */
.action-list { display: flex; flex-direction: column; gap: 0.85rem; }
.action-card {
  display: flex; gap: 1rem;
  background: linear-gradient(135deg, #FEFEFE, #F8FAFC);
  border: 1px solid #E2E8F0;
  border-radius: 12px;
  padding: 1.1rem 1.2rem;
  position: relative;
  overflow: hidden;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.action-card:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.07); }
.action-card::before {
  content: ''; position: absolute; top: 0; bottom: 0; left: 0; width: 6px;
}
.action-high::before   { background: linear-gradient(180deg, #DC3545, #B02635); }
.action-medium::before { background: linear-gradient(180deg, #FA8C16, #C36C0E); }
.action-low::before    { background: linear-gradient(180deg, #2DC76D, #1F9E55); }

.action-step {
  flex: 0 0 44px; width: 44px; height: 44px;
  background: linear-gradient(135deg, #1E40AF, #3B82F6);
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem; font-weight: 800;
  box-shadow: 0 4px 10px rgba(30,64,175,0.3);
  margin-top: 0.15rem;
}

.action-body { flex: 1; }
.action-card-header {
  display: flex; align-items: center; gap: 0.55rem; margin-bottom: 0.55rem;
  flex-wrap: wrap;
}
.action-icon { font-size: 1.4rem; }
.action-priority {
  font-size: 0.65rem; font-weight: 800; letter-spacing: 0.1em;
  padding: 0.22rem 0.6rem; border-radius: 4px; color: #fff;
}
.action-priority-high   { background: #DC3545; }
.action-priority-medium { background: #FA8C16; }
.action-priority-low    { background: #2DC76D; }
.action-headline {
  font-size: 0.97rem; font-weight: 700; color: #0F172A;
  line-height: 1.4; flex: 1;
}
.action-detail {
  font-size: 0.88rem; line-height: 1.65; color: #475569;
}
.action-footnote {
  font-size: 0.78rem; color: #64748B; font-style: italic;
  margin-top: 1rem; padding: 0.7rem 1rem;
  background: rgba(148,163,184,0.08); border-radius: 8px;
  border-left: 3px solid #CBD5E0;
}

/* ── Recommendations panel — bottom of card page (legacy, can be removed) ─────────────────── */
.recs-section {
  background: linear-gradient(180deg, #FAFBFD 0%, #F1F5F9 100%);
  border: 1px solid #E2E8F0;
  border-radius: 12px;
  padding: 1.4rem 1.5rem;
  margin-bottom: 1.5rem;
}
.recs-title {
  font-size: 1rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: #1E293B;
  margin-bottom: 1rem;
}
.recs-list { display: flex; flex-direction: column; gap: 0.85rem; }

.rec-item {
  display: flex;
  gap: 0.9rem;
  padding: 1rem 1.1rem;
  background: #fff;
  border-radius: 9px;
  border-left: 4px solid #94A3B8;
  box-shadow: 0 1px 4px rgba(0,0,0,0.04);
}
.rec-high   { border-left-color: #DC3545; }
.rec-medium { border-left-color: #FA8C16; }
.rec-low    { border-left-color: #2DC76D; }

.rec-icon { font-size: 1.6rem; line-height: 1.2; flex: 0 0 auto; }
.rec-body { flex: 1; }
.rec-headline {
  font-size: 0.95rem;
  font-weight: 700;
  color: #1E293B;
  margin-bottom: 0.4rem;
  line-height: 1.4;
}
.rec-priority {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  padding: 0.18rem 0.55rem;
  border-radius: 4px;
  margin-right: 0.5rem;
  vertical-align: 0.1em;
}
.rec-priority-high   { background: #DC3545; color: #fff; }
.rec-priority-medium { background: #FA8C16; color: #fff; }
.rec-priority-low    { background: #2DC76D; color: #fff; }

.rec-detail {
  font-size: 0.88rem;
  color: #475569;
  line-height: 1.6;
}
.recs-footnote {
  font-size: 0.75rem;
  color: #94A3B8;
  margin-top: 0.9rem;
  font-style: italic;
}

/* ── Key Insights — compact list with inline colored tag pills ── */
.insights-list { padding: 0.4rem 0.2rem; }
.insight-row {
  display: flex;
  gap: 0.85rem;
  padding: 0.75rem 0.6rem;
  border-bottom: 1px solid #F1F5F9;
  align-items: flex-start;
  font-size: 0.88rem;
  line-height: 1.55;
}
.insight-row:last-child { border-bottom: none; }

.insight-tag {
  flex: 0 0 auto;
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  padding: 0.22rem 0.6rem;
  border-radius: 4px;
  color: #fff;
  text-transform: uppercase;
  min-width: 72px;
  text-align: center;
  margin-top: 0.1rem;
  white-space: nowrap;
}
.insight-row .insight-text { color: var(--text); flex: 1; }

/* Tag colors — supports both legacy types (URGENT/COST/ACTION) and new types (CRITICAL/ALERT/TRAVEL/INFO) */
.tag-critical, .tag-urgent  { background: #DC3545; }
.tag-cost                   { background: #FA8C16; }
.tag-alert                  { background: #F7B500; color: #5C3D00; }
.tag-action                 { background: #2DC76D; }
.tag-travel                 { background: #2D9CDB; }
.tag-info                   { background: #94A3B8; }

/* Narrative as bullet list */
.narrative-bullets {
  list-style: none;
  padding-left: 0;
  margin: 0.5rem 0 0;
}
.narrative-bullets li {
  position: relative;
  padding-left: 1.6rem;
  margin-bottom: 0.7rem;
  line-height: 1.65;
  font-size: 0.92rem;
}
.narrative-bullets li::before {
  content: "▸";
  position: absolute;
  left: 0.4rem;
  top: 0;
  color: var(--primary);
  font-weight: 700;
}

/* Action-recommendation final block */
.action-recommend {
  margin-top: 1.5rem;
  padding: 1.2rem 1.4rem;
  background: linear-gradient(135deg, #E6F7FF, #BAE7FF);
  border-left: 5px solid #1890FF;
  border-radius: 8px;
}
.action-recommend-title {
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: #096DD9;
  margin-bottom: 0.5rem;
}
.action-recommend-text {
  font-size: 0.95rem;
  color: #0050B3;
  line-height: 1.6;
  font-weight: 500;
}

/* ════════════════════════════════════════════════════════════════
   Phase 1 — Executive Overview (V4.0)
   Components: alert banner, KPI grid, charge breakdown strip,
               critical card row, upcoming due row, mini badges.
   All purely additive — does not affect existing pages.
   ════════════════════════════════════════════════════════════════ */

/* ── Pay button + modal (V4.15) ─────────────────────────────────────────
   Compact button used inline next to card names across spend-strategy,
   home critical-cards, and card-detail header. Triggers the global modal. */
.pay-trigger {
  display: inline-flex; align-items: center; gap: 0.3rem;
  padding: 0.25rem 0.6rem;
  font-size: 0.78rem; font-weight: 700;
  background: var(--risk-low-bg);
  color: var(--risk-low);
  border: 1px solid #86EFAC;
  border-radius: 999px;
  cursor: pointer; white-space: nowrap;
  transition: all 0.15s;
  text-decoration: none;
}
.pay-trigger:hover {
  background: var(--risk-low);
  color: #fff;
  border-color: var(--risk-low);
  transform: translateY(-1px);
}
.pay-trigger.pay-trigger-lg {
  padding: 0.5rem 1rem;
  font-size: 0.92rem;
}

/* Pending-payments indicator next to outstanding values */
.pending-pmt-indicator {
  display: inline-block;
  font-size: 0.72rem; font-weight: 600;
  color: var(--risk-low);
  background: var(--risk-low-bg);
  padding: 0.1rem 0.45rem;
  border-radius: 999px;
  margin-left: 0.4rem;
  cursor: help;
}

/* Global payment modal */
.pay-modal-backdrop {
  position: fixed; inset: 0;
  background: rgba(15, 23, 42, 0.55);
  backdrop-filter: blur(2px);
  z-index: 1050;
  display: none;
  align-items: center; justify-content: center;
  padding: var(--sp-4);
}
.pay-modal-backdrop.show { display: flex; }
.pay-modal {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: var(--sp-6) var(--sp-6) var(--sp-5);
  max-width: 480px; width: 100%;
  box-shadow: var(--shadow-lg);
  position: relative;
  animation: payModalIn 0.18s ease-out;
}
@keyframes payModalIn { from {opacity:0; transform:translateY(8px) scale(0.98)} to {opacity:1; transform:none} }
.pay-modal-close {
  position: absolute; top: 0.6rem; right: 0.85rem;
  background: none; border: none;
  font-size: 1.6rem; line-height: 1;
  color: var(--text-secondary); cursor: pointer;
  padding: 0.25rem 0.5rem;
}
.pay-modal-close:hover { color: var(--text); }
.pay-modal-icon {
  font-size: 2.4rem; text-align: center;
  filter: drop-shadow(0 2px 6px rgba(22,163,74,0.25));
}
.pay-modal-title {
  font-size: 1.25rem; font-weight: 800;
  text-align: center; margin-top: var(--sp-2);
  color: var(--text);
}
.pay-modal-sub {
  text-align: center; font-size: 0.92rem;
  color: var(--text-secondary);
  margin-bottom: var(--sp-5);
}
.pay-modal-form { display: flex; flex-direction: column; gap: var(--sp-3); }
.pay-form-field { display: flex; flex-direction: column; gap: 0.3rem; }
.pay-form-field label {
  font-size: 0.78rem; font-weight: 700;
  color: var(--text-secondary);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.pay-form-field input {
  padding: 0.55rem 0.8rem;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-sm);
  font-size: 1rem; font-weight: 600;
  color: var(--text);
  background: var(--surface);
  font-family: inherit;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.pay-form-field input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(55,138,221,0.18);
}
.pay-form-field input[type=number] { font-size: 1.2rem; font-weight: 700; }
.pay-modal-actions {
  display: flex; gap: var(--sp-2);
  margin-top: var(--sp-3);
}
.pay-btn {
  flex: 1;
  padding: 0.65rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.92rem; font-weight: 700;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all 0.15s;
}
.pay-btn-cancel {
  background: var(--surface-sunken);
  color: var(--text-secondary);
  border-color: var(--border-strong);
}
.pay-btn-cancel:hover { background: var(--border); color: var(--text); }
.pay-btn-submit {
  background: var(--risk-low);
  color: #fff;
  border-color: var(--risk-low);
}
.pay-btn-submit:hover { background: #15803D; border-color: #15803D; }

/* ── Loan PDF drop zones (V5.0 Phase 1.8) ──────────────────────────────── */
.loan-doc-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem;
  margin-bottom: 0.5rem;
}
.loan-doc-zone {
  border: 2px dashed var(--border-strong);
  border-radius: var(--radius);
  padding: 0.9rem 0.7rem 0.7rem;
  text-align: center;
  background: var(--surface-sunken);
  transition: all 0.15s;
  cursor: pointer;
}
.loan-doc-zone:hover {
  border-color: var(--primary);
  background: #F0F7FF;
}
.loan-doc-zone.dragover {
  border-color: var(--primary-strong);
  background: #DBEAFE;
  border-style: solid;
}
.loan-doc-zone-icon { font-size: 1.6rem; line-height: 1; margin-bottom: 0.3rem; }
.loan-doc-zone-title {
  font-size: 0.88rem; font-weight: 700; color: var(--text);
  margin-bottom: 0.2rem;
}
.loan-doc-zone-sub {
  font-size: 0.75rem; color: var(--text-secondary);
  margin-bottom: 0.5rem;
  word-break: break-all;
}
.loan-doc-browse {
  padding: 0.3rem 0.7rem;
  font-size: 0.75rem; font-weight: 600;
  background: var(--surface); color: var(--text);
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-sm);
  cursor: pointer;
}
.loan-doc-browse:hover { background: var(--text); color: var(--surface); }

.loan-extract-status {
  padding: 0.6rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  margin-top: 0.5rem;
  border-left: 3px solid var(--risk-neutral);
  background: var(--surface-sunken);
}
.loan-extract-status.loading {
  border-left-color: var(--primary);
  background: rgba(55,138,221,0.06);
  color: var(--primary-strong);
}
.loan-extract-status.success {
  border-left-color: var(--risk-low);
  background: var(--risk-low-bg);
  color: #14532D;
}
.loan-extract-status.warning {
  border-left-color: var(--risk-medium);
  background: var(--risk-medium-bg);
  color: #713F12;
}
.loan-extract-status.error {
  border-left-color: var(--risk-critical);
  background: var(--risk-critical-bg);
  color: #7F1D1D;
}

/* ── Loan documents list on detail page ─────────────────────────────────── */
.loan-doc-list {
  display: flex; flex-direction: column; gap: 0.5rem;
  padding: 0.5rem 0;
}
.loan-doc-row {
  display: grid; grid-template-columns: 36px 1fr auto;
  gap: 0.85rem; align-items: center;
  padding: 0.7rem 1rem;
  background: var(--surface-sunken);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--primary);
}
.loan-doc-row-icon { font-size: 1.4rem; text-align: center; }
.loan-doc-row-name a {
  font-weight: 600; color: var(--text);
  font-family: ui-monospace, 'SF Mono', Menlo, monospace;
  font-size: 0.92rem;
}
.loan-doc-row-name a:hover { color: var(--primary-strong); text-decoration: underline; }
.loan-doc-row-meta {
  font-size: 0.78rem; color: var(--text-secondary);
  margin-top: 0.15rem;
}
.loan-doc-type-pill {
  display: inline-block;
  background: var(--surface); color: var(--primary-strong);
  border: 1px solid var(--border);
  font-weight: 600; font-size: 0.7rem;
  padding: 0.1rem 0.45rem; border-radius: 999px;
  letter-spacing: 0.04em;
}
.loan-doc-row-actions {
  display: flex; gap: 0.4rem; align-items: center;
}
.loan-doc-delete-btn {
  background: none; border: none;
  color: var(--risk-critical);
  font-size: 0.78rem; font-weight: 600;
  cursor: pointer; padding: 0.3rem 0.5rem;
}
.loan-doc-delete-btn:hover { background: var(--risk-critical-bg); border-radius: var(--radius-sm); }

/* Manual Payments log on card detail */
.mp-log {
  display: flex; flex-direction: column; gap: var(--sp-2);
  padding: var(--sp-3) 0;
}
.mp-log-row {
  display: grid; grid-template-columns: 90px 1fr auto auto;
  gap: var(--sp-3); align-items: center;
  padding: var(--sp-3) var(--sp-4);
  background: var(--surface-sunken);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
}
.mp-log-row.mp-pending { background: var(--risk-low-bg); border-left: 3px solid var(--risk-low); }
.mp-log-row.mp-reconciled { opacity: 0.78; }
.mp-log-amount { font-weight: 700; color: var(--risk-low); font-size: 1rem; }
.mp-log-date { font-weight: 600; color: var(--text); }
.mp-log-status {
  font-size: 0.7rem; font-weight: 700;
  padding: 0.15rem 0.5rem; border-radius: 999px;
  letter-spacing: 0.04em;
  white-space: nowrap;
}
.mp-log-status.pending    { background: var(--risk-low-bg); color: var(--risk-low); }
.mp-log-status.reconciled { background: var(--risk-neutral-bg); color: var(--risk-neutral); }

/* ── Person selector toggle (V4.13) — segmented control above page content
   Sits alongside the FY selector. Lets the user filter Insights / Spend Strategy /
   Payment Calendar / Payment Optimizer to one family member or all combined. */
.person-selector {
  display: flex; gap: 0.4rem; flex-wrap: wrap;
  background: var(--surface-sunken);
  padding: 0.3rem; border-radius: var(--radius);
  border: 1px solid var(--border);
}
.ps-btn {
  padding: 0.4rem 0.85rem;
  font-size: 0.85rem; font-weight: 600;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  text-decoration: none;
  display: inline-flex; align-items: center; gap: 0.35rem;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.ps-btn:hover { color: var(--text); background: rgba(0,0,0,0.04); }
.ps-btn.active {
  background: var(--text);
  color: var(--surface);
  box-shadow: var(--shadow);
}
.ps-btn .ps-icon { font-size: 0.95rem; }

/* Person-selector header strip — flex row containing both fy + person selectors */
.toolbar-row {
  display: flex; gap: 0.8rem; align-items: center; flex-wrap: wrap;
  margin-bottom: var(--sp-5);
}

/* ── Section heading — used to introduce blocks on the home page ── */
.section-heading {
  display: flex; align-items: baseline; justify-content: space-between;
  margin: var(--sp-7) 0 var(--sp-3);
  gap: var(--sp-3);
}
.section-heading h2 {
  font-size: 1.05rem; font-weight: 700; color: var(--text);
  letter-spacing: -0.01em;
}
.section-heading .section-sub { font-size: 0.85rem; color: var(--text-secondary); }
.section-heading a.section-link {
  font-size: 0.82rem; color: var(--primary-strong); font-weight: 600;
}
.section-heading a.section-link:hover { text-decoration: underline; }

/* ── Alert banner (top-of-page action callout) ── */
.alert-banner {
  display: grid; grid-template-columns: 56px 1fr auto; gap: var(--sp-4);
  align-items: center;
  padding: var(--sp-4) var(--sp-5);
  border-radius: var(--radius-lg);
  margin-bottom: var(--sp-5);
  box-shadow: var(--shadow-md);
  border: 1px solid transparent;
}
.alert-banner.alert-critical {
  background: linear-gradient(135deg, #FEF2F2 0%, #FEE2E2 100%);
  border-color: #FCA5A5;
  border-left: 6px solid var(--risk-critical);
}
.alert-banner.alert-warning {
  background: linear-gradient(135deg, #FFFBEB 0%, #FEF3C7 100%);
  border-color: #FCD34D;
  border-left: 6px solid var(--risk-medium);
}
.alert-banner.alert-info {
  background: linear-gradient(135deg, #EFF6FF 0%, #DBEAFE 100%);
  border-color: #93C5FD;
  border-left: 6px solid var(--primary);
}
/* V4.10 — cash-flow cluster (orange = "plan ahead, not panic") */
.alert-banner.alert-cluster {
  background: linear-gradient(135deg, #FFF7ED 0%, #FFEDD5 100%);
  border-color: #FDBA74;
  border-left: 6px solid var(--risk-high);
}
.alert-banner-icon {
  font-size: 2.4rem; line-height: 1; text-align: center;
  filter: drop-shadow(0 2px 4px rgba(0,0,0,0.10));
}
.alert-banner-body { min-width: 0; }
.alert-banner-title {
  font-size: 0.72rem; font-weight: 800; letter-spacing: 0.14em;
  text-transform: uppercase; opacity: 0.82; margin-bottom: var(--sp-1);
}
.alert-banner-text { font-size: 1rem; line-height: 1.45; color: var(--text); }
.alert-banner-text strong { color: var(--risk-critical); }
.alert-banner-actions { display: flex; gap: var(--sp-2); flex-shrink: 0; }
.alert-banner-actions .btn-action {
  padding: 0.5rem 1rem; border-radius: var(--radius-sm);
  font-size: 0.85rem; font-weight: 600;
  background: var(--surface); color: var(--text);
  border: 1px solid var(--border-strong);
  white-space: nowrap;
  transition: all 0.15s;
}
.alert-banner-actions .btn-action:hover {
  background: var(--text); color: var(--surface);
  border-color: var(--text);
}

/* ── KPI grid + tiles ── */
/* V4.5 — Default = auto-fit so it stays graceful on small viewports.
   Wide breakpoint (>=1100px) forces 4 fixed columns so tiles stretch
   across the full content width instead of leaving dead-cells on the right.
   The .kpi-tile-wide modifier spans 2 columns — used to fill the trailing
   empty cell on pages with 7 tiles (4 + 3+wide = perfect 4x2 fill). */
.kpi-grid {
  display: grid; gap: var(--sp-4);
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  margin-bottom: var(--sp-5);
}
@media (min-width: 1100px) {
  .kpi-grid { grid-template-columns: repeat(4, 1fr); }
  .kpi-tile.kpi-tile-wide { grid-column: span 2; }
}
.kpi-tile {
  background: var(--surface);
  border-radius: var(--radius);
  padding: var(--sp-4) var(--sp-5);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  position: relative; overflow: hidden;
  transition: transform 0.15s, box-shadow 0.15s;
}
.kpi-tile:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.kpi-tile::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: var(--risk-neutral);
}
.kpi-tile.kpi-critical::before { background: var(--risk-critical); }
.kpi-tile.kpi-high::before     { background: var(--risk-high); }
.kpi-tile.kpi-medium::before   { background: var(--risk-medium); }
.kpi-tile.kpi-low::before      { background: var(--risk-low); }
.kpi-tile.kpi-primary::before  { background: var(--primary); }
.kpi-tile-label {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--text-secondary);
  margin-bottom: var(--sp-2);
}
.kpi-tile-value {
  font-size: 1.55rem; font-weight: 800; color: var(--text);
  line-height: 1.15; letter-spacing: -0.02em;
}
.kpi-tile-value.kpi-danger  { color: var(--risk-critical); }
.kpi-tile-value.kpi-warning { color: var(--risk-medium); }
.kpi-tile-value.kpi-success { color: var(--risk-low); }
.kpi-tile-meta {
  margin-top: var(--sp-2); font-size: 0.78rem;
  color: var(--text-secondary); display: flex; align-items: center; gap: var(--sp-2);
}
.kpi-tile-meta .kpi-pill {
  padding: 0.1rem 0.45rem; border-radius: 999px;
  font-size: 0.7rem; font-weight: 700;
  background: var(--risk-neutral-bg); color: var(--risk-neutral);
}
.kpi-tile-meta .kpi-pill.kpi-pill-critical { background: var(--risk-critical-bg); color: var(--risk-critical); }
.kpi-tile-meta .kpi-pill.kpi-pill-low      { background: var(--risk-low-bg);      color: var(--risk-low); }
.kpi-tile-meta .kpi-pill.kpi-pill-medium   { background: var(--risk-medium-bg);   color: var(--risk-medium); }

/* Util progress bar inside KPI tile */
.kpi-progress {
  margin-top: var(--sp-3); height: 6px; background: var(--surface-sunken);
  border-radius: 3px; overflow: hidden;
}
.kpi-progress-fill { height: 100%; border-radius: 3px; transition: width 0.3s; }

/* ── Charge breakdown strip (interest / late / annual / taxes) ── */
.charge-strip {
  background: var(--surface);
  border-radius: var(--radius);
  padding: var(--sp-5);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  margin-bottom: var(--sp-5);
}
.charge-strip-header {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: var(--sp-3);
}
.charge-strip-title { font-size: 0.95rem; font-weight: 700; color: var(--text); }
.charge-strip-total {
  font-size: 1.4rem; font-weight: 800; color: var(--risk-critical);
  letter-spacing: -0.02em;
}
.charge-strip-bar {
  display: flex; height: 12px; border-radius: 6px; overflow: hidden;
  background: var(--surface-sunken); margin: var(--sp-3) 0;
  box-shadow: inset 0 1px 2px rgba(0,0,0,0.06);
}
.charge-strip-seg { height: 100%; transition: opacity 0.2s; }
.charge-strip-seg:hover { opacity: 0.85; }
.charge-strip-seg.seg-interest { background: #DC3545; }
.charge-strip-seg.seg-late     { background: #FA8C16; }
.charge-strip-seg.seg-annual   { background: #F7B500; }
.charge-strip-seg.seg-taxes    { background: #8B5CF6; }
.charge-strip-legend {
  display: grid; gap: var(--sp-3);
  grid-template-columns: repeat(4, 1fr);
}
.charge-legend-item {
  display: flex; flex-direction: column; gap: 0.2rem;
  padding-left: var(--sp-2);
  border-left: 3px solid;
}
.charge-legend-item.seg-interest { border-color: #DC3545; }
.charge-legend-item.seg-late     { border-color: #FA8C16; }
.charge-legend-item.seg-annual   { border-color: #F7B500; }
.charge-legend-item.seg-taxes    { border-color: #8B5CF6; }
.charge-legend-label {
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; color: var(--text-secondary);
}
.charge-legend-value { font-size: 1.05rem; font-weight: 700; color: var(--text); }
.charge-legend-pct   { font-size: 0.75rem; color: var(--text-secondary); }

/* ── Critical cards & upcoming dues — row primitives ── */
.list-panel {
  background: var(--surface);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  margin-bottom: var(--sp-5); overflow: hidden;
}
.list-panel-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: var(--sp-4) var(--sp-5);
  border-bottom: 1px solid var(--border);
  background: var(--surface-sunken);
}
.list-panel-title {
  font-size: 0.95rem; font-weight: 700; color: var(--text);
  display: flex; align-items: center; gap: var(--sp-2);
}
.list-panel-count {
  background: var(--risk-critical); color: #fff;
  font-size: 0.72rem; font-weight: 800;
  padding: 0.15rem 0.55rem; border-radius: 999px;
}
.list-panel-empty {
  padding: var(--sp-6); text-align: center;
  color: var(--text-secondary); font-size: 0.9rem;
}

.crit-row {
  display: grid; grid-template-columns: 38px 1fr auto auto auto;
  gap: var(--sp-4); align-items: center;
  padding: var(--sp-4) var(--sp-5);
  border-bottom: 1px solid var(--border);
  transition: background 0.15s;
}
.crit-row:last-child { border-bottom: none; }
.crit-row:hover { background: var(--surface-sunken); }
.crit-row-icon { font-size: 1.55rem; text-align: center; }
.crit-row-body { min-width: 0; }
.crit-row-card {
  font-size: 0.95rem; font-weight: 700; color: var(--text);
  display: flex; align-items: center; gap: var(--sp-2); flex-wrap: wrap;
}
.crit-row-card .text-muted { font-weight: 400; }
.crit-row-meta {
  font-size: 0.8rem; color: var(--text-secondary); margin-top: 0.15rem;
}
.crit-row-amt {
  font-size: 1.05rem; font-weight: 800; color: var(--risk-critical);
  text-align: right; white-space: nowrap;
}
.crit-row-amt-label {
  display: block; font-size: 0.68rem; font-weight: 700;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--text-secondary);
}
.crit-row-link {
  padding: 0.4rem 0.8rem; border-radius: var(--radius-sm);
  background: var(--text); color: var(--surface);
  font-size: 0.78rem; font-weight: 600; white-space: nowrap;
  transition: opacity 0.15s;
}
.crit-row-link:hover { opacity: 0.85; color: var(--surface); }

.due-row {
  display: grid; grid-template-columns: 110px 1fr auto auto;
  gap: var(--sp-4); align-items: center;
  padding: var(--sp-3) var(--sp-5);
  border-bottom: 1px solid var(--border);
}
.due-row:last-child { border-bottom: none; }
.due-row-date {
  display: flex; flex-direction: column; padding-left: var(--sp-2);
  border-left: 4px solid var(--risk-neutral);
}
.due-row-date.urg-critical { border-color: var(--risk-critical); }
.due-row-date.urg-high     { border-color: var(--risk-high); }
.due-row-date.urg-medium   { border-color: var(--risk-medium); }
.due-row-date strong { font-size: 0.92rem; font-weight: 700; color: var(--text); }
.due-row-date span   { font-size: 0.78rem; color: var(--text-secondary); margin-top: 0.1rem; }
.due-row-card { font-size: 0.92rem; color: var(--text); }
.due-row-card .text-muted { font-weight: 400; }
.due-row-amt { font-size: 0.95rem; font-weight: 700; color: var(--text); white-space: nowrap; }
.due-row-link {
  font-size: 0.78rem; font-weight: 600; color: var(--primary-strong);
  padding: 0.3rem 0.7rem; border-radius: var(--radius-sm);
  border: 1px solid var(--border);
}
.due-row-link:hover { background: var(--surface-sunken); }

/* Make the per-person section in home auto-collapse on small screens
   while keeping it scannable on desktop. */
.collapsible-section .person-meta { font-size: 0.82rem; }

/* ── Card detail tabs (V4.2) ────────────────────────────────── */
.card-tabs {
  display: flex; gap: 0;
  border-bottom: 2px solid var(--border);
  margin: var(--sp-5) 0 var(--sp-5);
  overflow-x: auto;
}
.card-tab {
  padding: var(--sp-3) var(--sp-5);
  font-size: 0.92rem; font-weight: 600;
  color: var(--text-secondary);
  background: transparent; border: none;
  cursor: pointer; white-space: nowrap;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: color 0.15s, border-color 0.15s;
  display: inline-flex; align-items: center; gap: var(--sp-2);
}
.card-tab:hover { color: var(--text); }
.card-tab.active {
  color: var(--primary-strong);
  border-bottom-color: var(--primary-strong);
}
.card-tab .tab-count {
  font-size: 0.7rem; font-weight: 700;
  background: var(--surface-sunken); color: var(--text-secondary);
  padding: 0.1rem 0.45rem; border-radius: 999px;
}
.card-tab.active .tab-count { background: var(--primary-strong); color: #fff; }
.tab-panel { display: none; animation: fadeIn 0.18s ease-out; }
.tab-panel.active { display: block; }
@keyframes fadeIn { from{opacity:0; transform:translateY(4px)} to{opacity:1; transform:translateY(0)} }

/* ── Upload page (V4.3) ─────────────────────────────────────── */
.upload-zone {
  border: 2px dashed var(--border-strong);
  border-radius: var(--radius-lg);
  padding: var(--sp-7);
  text-align: center;
  background: var(--surface);
  transition: all 0.2s;
  cursor: pointer;
  position: relative;
}
.upload-zone:hover {
  border-color: var(--primary);
  background: #F0F7FF;
}
.upload-zone.dragover {
  border-color: var(--primary-strong);
  background: #DBEAFE;
  border-style: solid;
}
.upload-zone-icon { font-size: 3rem; margin-bottom: var(--sp-3); opacity: 0.7; }
.upload-zone-title { font-size: 1.1rem; font-weight: 700; color: var(--text); margin-bottom: var(--sp-2); }
.upload-zone-sub { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: var(--sp-4); }
.upload-zone input[type=file] { display: none; }
.upload-zone-btn {
  display: inline-block;
  padding: 0.55rem 1.4rem;
  background: var(--primary-strong); color: #fff;
  border-radius: var(--radius-sm);
  font-weight: 600; font-size: 0.92rem;
}
.upload-zone-btn:hover { opacity: 0.92; color: #fff; }

.upload-files-list {
  margin-top: var(--sp-4); padding: 0;
  list-style: none;
  display: flex; flex-direction: column; gap: var(--sp-2);
}
.upload-file-row {
  display: grid; grid-template-columns: 32px 1fr auto;
  gap: var(--sp-3); align-items: center;
  padding: var(--sp-3) var(--sp-4);
  background: var(--surface-sunken);
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
}
.upload-file-status {
  font-size: 0.75rem; font-weight: 700;
  padding: 0.2rem 0.55rem; border-radius: 999px;
}
.upload-file-status.queued    { background: var(--risk-neutral-bg); color: var(--risk-neutral); }
.upload-file-status.processing{ background: var(--risk-medium-bg);  color: var(--risk-medium); }
.upload-file-status.success   { background: var(--risk-low-bg);     color: var(--risk-low); }
.upload-file-status.error     { background: var(--risk-critical-bg);color: var(--risk-critical); }

.recent-imports {
  display: flex; flex-direction: column;
}
.recent-import-row {
  display: grid; grid-template-columns: 44px 1fr auto auto;
  gap: var(--sp-4); align-items: center;
  padding: var(--sp-3) var(--sp-5);
  border-bottom: 1px solid var(--border);
  font-size: 0.88rem;
}
.recent-import-row:last-child { border-bottom: none; }
.recent-import-icon { font-size: 1.4rem; text-align: center; }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 768px) {
  /* V5.6.2 — compact sidebar that KEEPS its labels on mobile. The old 60px
     icon-only rail never hid the nav-link label text (bare text nodes), so
     every label was crushed into 60px. An icon-only rail also can't be
     navigated — 3 identical 👤 people, 2 identical 💰. Redefining --sidebar-w
     cascades to both the sidebar width and .main-content's margin-left. */
  :root { --sidebar-w: 160px; }
  .sidebar .nav-link { padding: 0.32rem 0.55rem !important; gap: 0.4rem !important; }
  .sidebar-brand  { padding-left: 0.55rem !important; padding-right: 0.55rem !important; }
  .sidebar-build  { padding-left: 0.55rem !important; padding-right: 0.55rem !important; }
  .sidebar .nav-section { padding-left: 0.55rem !important; padding-right: 0.55rem !important; }
  .main-content { padding: 1rem 0.85rem !important; }
  .metric-row { grid-template-columns: repeat(2, 1fr); }
  .alert-banner { grid-template-columns: 48px 1fr; }
  .alert-banner-actions { grid-column: 1 / -1; margin-top: var(--sp-3); }
  .charge-strip-legend { grid-template-columns: repeat(2, 1fr); }
  .crit-row { grid-template-columns: 38px 1fr; row-gap: var(--sp-2); }
  .crit-row-amt, .crit-row-link { grid-column: 2 / 3; text-align: left; }
  .kpi-tile-value { font-size: 1.3rem; }
  .chart-row { grid-template-columns: 1fr !important; }
  .due-row { grid-template-columns: 100px 1fr; row-gap: var(--sp-2); }
  .due-row-amt, .due-row-link { grid-column: 2 / 3; }
  .card-tab { padding: var(--sp-2) var(--sp-3); font-size: 0.85rem; }
  .upload-zone { padding: var(--sp-5) var(--sp-3); }
  .upload-zone-icon { font-size: 2.2rem; }
  /* V5.0 / V5.1 — collapse 2-col inline grids on mobile */
  .loan-doc-grid { grid-template-columns: 1fr; }
  /* Total Debt Picture panel + Prepay-vs-Invest simulator both use inline
     "grid-template-columns: 1fr 1fr" — force them to single column at <768. */
  .card-panel > div[style*="grid-template-columns: 1fr 1fr"],
  .card-panel > div[style*="grid-template-columns:1fr 1fr"] {
    grid-template-columns: 1fr !important;
  }
  /* Loan detail metric-strip — wrap to fewer panels on narrow screens */
  .metric-strip { grid-template-columns: repeat(2, 1fr); }
  /* Optimizer form — stack vertically on mobile */
  form[action="/payment-optimizer"] { flex-direction: column; align-items: stretch !important; }
  form[action="/payment-optimizer"] > * { width: 100%; }
}