/* ═══════════════════════════════════════════════════════════════
   ArcFi DeFi Platform — Global Stylesheet
   Dark / Light Mode | English Only | Production Grade
   ═══════════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=JetBrains+Mono:wght@400;500;600&display=swap');

/* ── CSS Variables (Dark Mode Default) ──────────────────────── */
:root {
  --bg-base:       #020617;
  --bg-surface:    #0f172a;
  --bg-card:       #1e293b;
  --bg-card-hover: #253347;
  --bg-input:      #0f172a;
  --border:        #334155;
  --border-focus:  #06b6d4;
  --text-primary:  #f1f5f9;
  --text-secondary:#94a3b8;
  --text-muted:    #64748b;
  --text-inverse:  #020617;

  --cyan:    #06b6d4;
  --blue:    #3b82f6;
  --purple:  #8b5cf6;
  --green:   #10b981;
  --amber:   #f59e0b;
  --red:     #ef4444;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.5);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.5);
  --shadow-lg:  0 8px 40px rgba(0,0,0,0.6);
  --shadow-xl:  0 16px 64px rgba(0,0,0,0.7);

  --radius-sm:  8px;
  --radius-md:  12px;
  --radius-lg:  16px;
  --radius-xl:  20px;
  --radius-2xl: 24px;

  --transition: 0.2s ease;
}

/* ── Light Mode Variables ───────────────────────────────────── */
html.light {
  --bg-base:       #f0f4ff;
  --bg-surface:    #ffffff;
  --bg-card:       #ffffff;
  --bg-card-hover: #f8faff;
  --bg-input:      #f1f5f9;
  --border:        #cbd5e1;
  --border-focus:  #0284c7;
  --text-primary:  #0f172a;
  --text-secondary:#475569;
  --text-muted:    #94a3b8;
  --text-inverse:  #f1f5f9;

  --cyan:    #0284c7;
  --blue:    #2563eb;
  --purple:  #7c3aed;
  --green:   #059669;
  --amber:   #d97706;
  --red:     #dc2626;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:  0 8px 40px rgba(0,0,0,0.12);
  --shadow-xl:  0 16px 64px rgba(0,0,0,0.14);
}

/* ── Reset & Base ───────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background-color: var(--bg-base);
  color: var(--text-primary);
  min-height: 100vh;
  overflow-x: hidden;
  transition: background-color var(--transition), color var(--transition);
  display: flex;
  flex-direction: column;
}

/* ── Scrollbar ──────────────────────────────────────────────── */
::-webkit-scrollbar { width: 6px; height: 6px; }
::-webkit-scrollbar-track { background: var(--bg-surface); }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 3px; }
::-webkit-scrollbar-thumb:hover { background: var(--text-muted); }

/* ── Selection ──────────────────────────────────────────────── */
::selection { background: rgba(6,182,212,0.25); color: var(--text-primary); }

/* ══════════════════════════════════════════════════════════════
   LAYOUT
   ══════════════════════════════════════════════════════════════ */

.app-wrapper {
  display: flex;
  flex-direction: column;
  min-height: 100vh;
}

/* Top Header */
.top-header {
  position: sticky; top: 0; z-index: 30;
  height: 64px;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center;
  padding: 0 24px;
  gap: 16px;
  transition: background-color var(--transition), border-color var(--transition);
  backdrop-filter: blur(20px);
}

html:not(.light) .top-header {
  background: rgba(15,23,42,0.95);
}

.header-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 20px; font-weight: 800;
  cursor: pointer; text-decoration: none;
  flex-shrink: 0;
}
.header-logo .logo-icon {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
  box-shadow: 0 4px 12px rgba(6,182,212,0.35);
}
.header-logo .logo-text { color: var(--text-primary); }
.header-logo .logo-fi   { color: var(--cyan); }

.header-nav {
  display: flex; align-items: center; gap: 4px;
  flex: 1; overflow-x: auto;
}
.header-nav::-webkit-scrollbar { display: none; }

.nav-btn {
  display: inline-flex; align-items: center; gap: 7px;
  padding: 8px 14px;
  border-radius: var(--radius-md);
  font-size: 13px; font-weight: 500;
  color: var(--text-secondary);
  cursor: pointer; border: none; background: none;
  white-space: nowrap; transition: all var(--transition);
}
.nav-btn svg { width: 15px; height: 15px; flex-shrink: 0; }
.nav-btn:hover { background: var(--bg-card); color: var(--text-primary); }
.nav-btn.active {
  background: rgba(6,182,212,0.12);
  color: var(--cyan);
  font-weight: 600;
}
html.light .nav-btn.active { background: rgba(2,132,199,0.10); }

.header-actions {
  display: flex; align-items: center; gap: 10px;
  flex-shrink: 0;
}

/* Main content */
.main-content {
  flex: 1;
  max-width: 1280px;
  width: 100%;
  margin: 0 auto;
  padding: 32px 24px;
}

/* ══════════════════════════════════════════════════════════════
   THEME TOGGLE
   ══════════════════════════════════════════════════════════════ */
.theme-toggle {
  width: 40px; height: 40px;
  border-radius: var(--radius-md);
  background: var(--bg-card);
  border: 1px solid var(--border);
  color: var(--text-secondary);
  cursor: pointer; display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
  flex-shrink: 0;
}
.theme-toggle:hover { border-color: var(--cyan); color: var(--cyan); }
.theme-toggle svg { width: 18px; height: 18px; }

/* ══════════════════════════════════════════════════════════════
   WALLET BUTTON
   ══════════════════════════════════════════════════════════════ */
.wallet-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 16px;
  border-radius: var(--radius-md);
  font-size: 13px; font-weight: 600;
  cursor: pointer; border: none;
  transition: all var(--transition);
  white-space: nowrap;
}
.wallet-btn.disconnected {
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  color: #fff;
  box-shadow: 0 4px 14px rgba(6,182,212,0.35);
}
.wallet-btn.disconnected:hover { filter: brightness(1.1); transform: translateY(-1px); }
.wallet-btn.connected {
  background: rgba(16,185,129,0.12);
  color: var(--green);
  border: 1px solid rgba(16,185,129,0.25);
}
.wallet-btn.connected:hover { background: rgba(16,185,129,0.18); }
.wallet-btn .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: currentColor; flex-shrink: 0;
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%,100% { opacity: 1; } 50% { opacity: 0.4; }
}

/* ══════════════════════════════════════════════════════════════
   NETWORK BADGE
   ══════════════════════════════════════════════════════════════ */
.network-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 11px;
  background: rgba(6,182,212,0.08);
  border: 1px solid rgba(6,182,212,0.2);
  border-radius: 20px;
  font-size: 11px; font-weight: 700;
  color: var(--cyan);
  font-family: 'JetBrains Mono', monospace;
  white-space: nowrap;
}
html.light .network-badge {
  background: rgba(2,132,199,0.08);
  border-color: rgba(2,132,199,0.2);
}
.network-badge .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--green); animation: pulse-dot 2s infinite; }

/* ══════════════════════════════════════════════════════════════
   CARDS
   ══════════════════════════════════════════════════════════════ */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: background-color var(--transition), border-color var(--transition), box-shadow var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); }

.card-sm  { padding: 16px; }
.card-lg  { padding: 32px; }

html:not(.light) .card { box-shadow: 0 1px 0 rgba(255,255,255,0.03) inset; }
html.light .card { box-shadow: var(--shadow-sm); }

.card-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 20px;
}
.card-title {
  font-size: 16px; font-weight: 700; color: var(--text-primary);
  display: flex; align-items: center; gap: 8px;
}
.card-subtitle {
  font-size: 13px; color: var(--text-muted); margin-top: 3px;
}

/* Stat card */
.stat-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  position: relative; overflow: hidden;
  transition: all var(--transition);
}
.stat-card:hover { box-shadow: var(--shadow-md); }
.stat-card .accent-blob {
  position: absolute; top: -10px; right: -10px;
  width: 80px; height: 80px; border-radius: 50%;
  filter: blur(28px); opacity: 0.2; pointer-events: none;
}
.stat-value {
  font-size: 26px; font-weight: 800;
  color: var(--text-primary);
  font-family: 'JetBrains Mono', monospace;
  line-height: 1.1;
}
.stat-label {
  font-size: 11px; font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase; letter-spacing: 0.06em;
  margin-bottom: 6px;
}
.stat-sub {
  font-size: 12px; color: var(--text-secondary); margin-top: 4px;
}

/* ══════════════════════════════════════════════════════════════
   BUTTONS
   ══════════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  padding: 10px 20px;
  font-size: 14px; font-weight: 600;
  border-radius: var(--radius-md);
  border: none; cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  font-family: 'Inter', sans-serif;
}
.btn:disabled { opacity: 0.45; cursor: not-allowed; transform: none !important; filter: none !important; }
.btn svg { width: 16px; height: 16px; flex-shrink: 0; }

.btn-primary {
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  color: #fff;
  box-shadow: 0 4px 14px rgba(6,182,212,0.3);
}
.btn-primary:not(:disabled):hover { transform: translateY(-1px); filter: brightness(1.08); box-shadow: 0 6px 20px rgba(6,182,212,0.4); }
.btn-primary:not(:disabled):active { transform: translateY(0); }

.btn-secondary {
  background: var(--bg-card);
  color: var(--text-secondary);
  border: 1px solid var(--border);
}
.btn-secondary:not(:disabled):hover { border-color: var(--border-focus); color: var(--text-primary); }

.btn-success {
  background: linear-gradient(135deg, var(--green), #059669);
  color: #fff;
  box-shadow: 0 4px 14px rgba(16,185,129,0.3);
}
.btn-success:not(:disabled):hover { transform: translateY(-1px); filter: brightness(1.08); }

.btn-danger {
  background: linear-gradient(135deg, var(--red), #dc2626);
  color: #fff;
  box-shadow: 0 4px 14px rgba(239,68,68,0.3);
}
.btn-danger:not(:disabled):hover { transform: translateY(-1px); filter: brightness(1.08); }

.btn-ghost {
  background: transparent;
  color: var(--text-secondary);
  border: 1px solid var(--border);
}
.btn-ghost:not(:disabled):hover { background: var(--bg-card); color: var(--text-primary); }

.btn-sm  { padding: 6px 14px !important; font-size: 12px !important; border-radius: var(--radius-sm) !important; }
.btn-lg  { padding: 14px 28px !important; font-size: 15px !important; border-radius: 14px !important; }
.btn-xl  { padding: 16px 36px !important; font-size: 16px !important; border-radius: var(--radius-lg) !important; }
.btn-full { width: 100%; }

/* ══════════════════════════════════════════════════════════════
   FORMS
   ══════════════════════════════════════════════════════════════ */
.form-section {
  display: flex; flex-direction: column; gap: 20px;
}
.form-grid-2 {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
}
@media (max-width: 600px) { .form-grid-2 { grid-template-columns: 1fr; } }

.form-group { display: flex; flex-direction: column; gap: 6px; }

.form-label {
  font-size: 12px; font-weight: 600;
  color: var(--text-secondary);
  text-transform: uppercase; letter-spacing: 0.05em;
  display: flex; align-items: center; gap: 4px;
}
.form-label .req { color: var(--red); }
.form-label .opt { color: var(--text-muted); font-weight: 400; text-transform: none; font-size: 11px; letter-spacing: 0; }

.form-control {
  width: 100%;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px 14px;
  color: var(--text-primary);
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  transition: border-color var(--transition), box-shadow var(--transition), background-color var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(6,182,212,0.12);
}
html.light .form-control:focus { box-shadow: 0 0 0 3px rgba(2,132,199,0.12); }
.form-control::placeholder { color: var(--text-muted); font-size: 13px; }
.form-control.is-error { border-color: var(--red) !important; }
.form-control option { background: var(--bg-card); color: var(--text-primary); }

.form-control select { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 80px; line-height: 1.5; }

.field-error {
  font-size: 11px; color: var(--red); display: none; margin-top: 2px;
}
.field-error.show { display: block; }
.field-hint {
  font-size: 11px; color: var(--text-muted); margin-top: 2px;
}

/* Input with icon */
.input-group { position: relative; }
.input-group .input-icon {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  color: var(--text-muted); pointer-events: none;
  width: 16px; height: 16px;
}
.input-group .form-control { padding-left: 38px; }
.input-group .input-suffix {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
  font-size: 12px; font-weight: 600; color: var(--text-muted);
  pointer-events: none;
  font-family: 'JetBrains Mono', monospace;
}

/* ══════════════════════════════════════════════════════════════
   BADGES / PILLS
   ══════════════════════════════════════════════════════════════ */
.badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 3px 9px;
  border-radius: 20px;
  font-size: 11px; font-weight: 600;
  border: 1px solid transparent;
  white-space: nowrap;
}
.badge-dot { width: 5px; height: 5px; border-radius: 50%; background: currentColor; animation: pulse-dot 2s infinite; }

.badge-pending  { background: rgba(245,158,11,0.12); color: var(--amber);  border-color: rgba(245,158,11,0.25); }
.badge-approved { background: rgba(59,130,246,0.12);  color: var(--blue);   border-color: rgba(59,130,246,0.25); }
.badge-active   { background: rgba(16,185,129,0.12);  color: var(--green);  border-color: rgba(16,185,129,0.25); }
.badge-completed{ background: rgba(139,92,246,0.12);  color: var(--purple); border-color: rgba(139,92,246,0.25); }
.badge-defaulted{ background: rgba(239,68,68,0.12);   color: var(--red);    border-color: rgba(239,68,68,0.25); }
.badge-rejected { background: rgba(148,163,184,0.12); color: var(--text-muted); border-color: rgba(148,163,184,0.2); }
.badge-cancelled{ background: rgba(148,163,184,0.12); color: var(--text-muted); border-color: rgba(148,163,184,0.2); }
.badge-paid     { background: rgba(16,185,129,0.12);  color: var(--green);  border-color: rgba(16,185,129,0.25); }
.badge-overdue  { background: rgba(239,68,68,0.12);   color: var(--red);    border-color: rgba(239,68,68,0.25); }
.badge-rwa      { background: rgba(245,158,11,0.12);  color: var(--amber);  border-color: rgba(245,158,11,0.25); }
.badge-crypto   { background: rgba(6,182,212,0.12);   color: var(--cyan);   border-color: rgba(6,182,212,0.25); }

/* ══════════════════════════════════════════════════════════════
   TABLES
   ══════════════════════════════════════════════════════════════ */
.table-container {
  overflow-x: auto;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
}
.data-table {
  width: 100%; border-collapse: collapse;
}
.data-table thead { background: var(--bg-surface); }
html.light .data-table thead { background: var(--bg-input); }

.data-table th {
  padding: 11px 16px;
  font-size: 11px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--text-muted);
  text-align: left;
  border-bottom: 1px solid var(--border);
  white-space: nowrap;
}
.data-table td {
  padding: 13px 16px;
  font-size: 13px; color: var(--text-secondary);
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
  transition: background-color var(--transition);
}
.data-table tbody tr:last-child td { border-bottom: none; }
.data-table tbody tr:hover td { background: var(--bg-card-hover); }

/* ══════════════════════════════════════════════════════════════
   TABS
   ══════════════════════════════════════════════════════════════ */
.tabs {
  display: flex; gap: 4px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 4px;
}
.tab-btn {
  flex: 1; padding: 8px 16px;
  border-radius: var(--radius-md);
  font-size: 13px; font-weight: 500;
  color: var(--text-muted);
  cursor: pointer; border: none; background: none;
  transition: all var(--transition);
}
.tab-btn:hover { color: var(--text-primary); }
.tab-btn.active {
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  color: #fff; font-weight: 600;
}
.tab-panel { display: none; animation: fade-in 0.2s ease; }
.tab-panel.active { display: block; }

/* ══════════════════════════════════════════════════════════════
   STEPS WIZARD
   ══════════════════════════════════════════════════════════════ */
.steps-bar {
  display: flex; align-items: center;
  gap: 0; margin-bottom: 32px;
}
.step-node {
  display: flex; flex-direction: column; align-items: center;
  flex: 1; position: relative; cursor: default;
}
.step-node:not(:last-child)::after {
  content: '';
  position: absolute; top: 18px; left: calc(50% + 18px);
  right: calc(-50% + 18px);
  height: 2px;
  background: var(--border);
  transition: background-color 0.4s;
  z-index: 0;
}
.step-node.done:not(:last-child)::after { background: var(--green); }
.step-node.active:not(:last-child)::after { background: var(--cyan); }

.step-circle {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  border: 2px solid var(--border);
  background: var(--bg-surface);
  color: var(--text-muted);
  transition: all 0.3s;
  position: relative; z-index: 1;
}
.step-node.active .step-circle {
  border-color: var(--cyan); background: rgba(6,182,212,0.12);
  color: var(--cyan); box-shadow: 0 0 0 4px rgba(6,182,212,0.12);
}
.step-node.done .step-circle {
  border-color: var(--green); background: rgba(16,185,129,0.12);
  color: var(--green);
}
.step-label {
  font-size: 11px; font-weight: 500; color: var(--text-muted);
  margin-top: 6px; text-align: center; white-space: nowrap;
}
.step-node.active .step-label { color: var(--cyan); font-weight: 600; }
.step-node.done  .step-label { color: var(--green); }

/* ══════════════════════════════════════════════════════════════
   COLLATERAL SELECTOR CARDS
   ══════════════════════════════════════════════════════════════ */
.collateral-option {
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  cursor: pointer;
  transition: all var(--transition);
  background: var(--bg-card);
  position: relative; overflow: hidden;
}
.collateral-option:hover { border-color: var(--cyan); }
.collateral-option.selected {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.05);
  box-shadow: 0 0 0 1px var(--cyan), 0 8px 24px rgba(6,182,212,0.12);
}
html.light .collateral-option.selected {
  background: rgba(2,132,199,0.05);
  box-shadow: 0 0 0 1px var(--cyan), 0 4px 16px rgba(2,132,199,0.12);
}
.collateral-option .check-mark {
  position: absolute; top: 12px; right: 12px;
  width: 22px; height: 22px;
  background: var(--cyan); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; transform: scale(0.6);
  transition: all 0.2s;
}
.collateral-option.selected .check-mark { opacity: 1; transform: scale(1); }
.collateral-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
  margin-bottom: 12px;
}

/* ══════════════════════════════════════════════════════════════
   UPLOAD ZONE
   ══════════════════════════════════════════════════════════════ */
.upload-zone {
  border: 2px dashed var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
  background: var(--bg-input);
}
.upload-zone:hover, .upload-zone.dragover {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.03);
}
.upload-zone input[type="file"] {
  position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; height: 100%;
}
.upload-zone .upload-icon { font-size: 36px; margin-bottom: 10px; }
.upload-zone .upload-text { font-size: 14px; font-weight: 500; color: var(--text-secondary); }
.upload-zone .upload-sub  { font-size: 12px; color: var(--text-muted); margin-top: 4px; }
.upload-zone.has-file { border-color: var(--green); background: rgba(16,185,129,0.04); }

/* ══════════════════════════════════════════════════════════════
   INSTALLMENT / PAYMENT ROWS
   ══════════════════════════════════════════════════════════════ */
.installment-row {
  display: flex; align-items: center;
  padding: 14px 16px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  gap: 12px;
  transition: all var(--transition);
}
.installment-row:hover { border-color: #475569; }
.installment-row.paid   { opacity: 0.65; }
.installment-row.overdue {
  border-color: rgba(239,68,68,0.35);
  background: rgba(239,68,68,0.03);
}

/* ══════════════════════════════════════════════════════════════
   PROGRESS BAR
   ══════════════════════════════════════════════════════════════ */
.progress-track {
  width: 100%; height: 6px;
  background: var(--border);
  border-radius: 3px; overflow: hidden;
}
.progress-fill {
  height: 100%; border-radius: 3px;
  background: linear-gradient(90deg, var(--cyan), var(--blue));
  transition: width 0.5s ease;
}
.progress-fill.green { background: linear-gradient(90deg, var(--green), #059669); }
.progress-fill.amber { background: linear-gradient(90deg, var(--amber), #d97706); }
.progress-fill.red   { background: linear-gradient(90deg, var(--red), #dc2626); }

/* ══════════════════════════════════════════════════════════════
   RECEIPT
   ══════════════════════════════════════════════════════════════ */
.receipt-paper {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  font-family: 'JetBrains Mono', monospace;
  position: relative; overflow: hidden;
}
.receipt-paper::before {
  content: 'ARCFI';
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%) rotate(-30deg);
  font-size: 72px; font-weight: 900;
  color: var(--cyan); opacity: 0.04;
  pointer-events: none; white-space: nowrap;
}
.receipt-divider {
  border: none;
  border-top: 1.5px dashed var(--border);
  margin: 16px 0;
}

/* ══════════════════════════════════════════════════════════════
   TOAST NOTIFICATIONS
   ══════════════════════════════════════════════════════════════ */
#toast-container {
  position: fixed; top: 80px; right: 20px;
  z-index: 9999;
  display: flex; flex-direction: column; gap: 10px;
  max-width: 380px; width: 100%;
  pointer-events: none;
}
.toast {
  pointer-events: all;
  display: flex; align-items: flex-start; gap: 12px;
  padding: 14px 16px;
  border-radius: var(--radius-lg);
  border: 1px solid;
  backdrop-filter: blur(16px);
  box-shadow: var(--shadow-lg);
  transform: translateX(110%);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1), opacity 0.3s;
  opacity: 0;
}
.toast.show { transform: translateX(0); opacity: 1; }
.toast.hide { transform: translateX(110%); opacity: 0; }

.toast-success {
  background: rgba(16,185,129,0.12);
  border-color: rgba(16,185,129,0.3);
  color: var(--green);
}
.toast-error {
  background: rgba(239,68,68,0.12);
  border-color: rgba(239,68,68,0.3);
  color: var(--red);
}
.toast-warning {
  background: rgba(245,158,11,0.12);
  border-color: rgba(245,158,11,0.3);
  color: var(--amber);
}
.toast-info {
  background: rgba(6,182,212,0.10);
  border-color: rgba(6,182,212,0.25);
  color: var(--cyan);
}
html.light .toast-success { background: rgba(16,185,129,0.08); }
html.light .toast-error   { background: rgba(239,68,68,0.08); }
html.light .toast-warning { background: rgba(245,158,11,0.08); }
html.light .toast-info    { background: rgba(2,132,199,0.08); }

.toast-icon { font-size: 18px; flex-shrink: 0; margin-top: 1px; }
.toast-body { flex: 1; }
.toast-title { font-size: 13px; font-weight: 700; color: var(--text-primary); }
.toast-msg   { font-size: 12px; color: var(--text-secondary); margin-top: 2px; line-height: 1.4; }
.toast-close {
  flex-shrink: 0; background: none; border: none; cursor: pointer;
  color: var(--text-muted); font-size: 16px; padding: 0; line-height: 1;
  transition: color var(--transition);
}
.toast-close:hover { color: var(--text-primary); }

/* ══════════════════════════════════════════════════════════════
   MODAL
   ══════════════════════════════════════════════════════════════ */
.modal-backdrop {
  position: fixed; inset: 0; z-index: 50;
  background: rgba(0,0,0,0.65);
  backdrop-filter: blur(8px);
  display: flex; align-items: center; justify-content: center;
  padding: 16px;
  opacity: 0; transition: opacity 0.25s;
}
.modal-backdrop.show { opacity: 1; }
.modal-box {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-xl);
  width: 100%; max-height: 90vh;
  overflow-y: auto;
  transform: scale(0.94) translateY(12px);
  transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1), opacity 0.25s;
  opacity: 0;
}
.modal-backdrop.show .modal-box { transform: scale(1) translateY(0); opacity: 1; }
.modal-sm  { max-width: 480px; }
.modal-md  { max-width: 640px; }
.modal-lg  { max-width: 860px; }
.modal-xl  { max-width: 1100px; }
.modal-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 20px 24px; border-bottom: 1px solid var(--border);
}
.modal-title { font-size: 17px; font-weight: 700; color: var(--text-primary); }
.modal-close {
  width: 32px; height: 32px; border-radius: var(--radius-sm);
  background: var(--bg-surface); border: 1px solid var(--border);
  color: var(--text-muted); cursor: pointer; font-size: 18px;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition);
}
.modal-close:hover { color: var(--text-primary); border-color: var(--border-focus); }
.modal-body   { padding: 24px; }
.modal-footer {
  display: flex; align-items: center; justify-content: flex-end; gap: 10px;
  padding: 16px 24px; border-top: 1px solid var(--border);
}

/* ══════════════════════════════════════════════════════════════
   LEGAL BANNERS
   ══════════════════════════════════════════════════════════════ */
.legal-banner {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-size: 12px; line-height: 1.5;
}
.legal-banner-warning {
  background: rgba(245,158,11,0.07);
  border: 1px solid rgba(245,158,11,0.2);
  color: var(--amber);
}
.legal-banner-info {
  background: rgba(6,182,212,0.06);
  border: 1px solid rgba(6,182,212,0.15);
  color: var(--cyan);
}
.legal-banner-danger {
  background: rgba(239,68,68,0.07);
  border: 1px solid rgba(239,68,68,0.2);
  color: var(--red);
}
html.light .legal-banner-warning { color: #92400e; background: rgba(245,158,11,0.06); }
html.light .legal-banner-info    { color: #0369a1; background: rgba(2,132,199,0.06); }
html.light .legal-banner-danger  { color: #991b1b; background: rgba(239,68,68,0.06); }

/* ══════════════════════════════════════════════════════════════
   HERO SECTION
   ══════════════════════════════════════════════════════════════ */
.hero-section {
  position: relative; overflow: hidden;
  padding: 64px 0 48px;
  text-align: center;
}
.hero-blob {
  position: absolute; border-radius: 50%;
  filter: blur(80px); pointer-events: none; opacity: 0.12;
}
html.light .hero-blob { opacity: 0.08; }
.hero-blob-1 { width: 400px; height: 400px; background: var(--cyan); top: -100px; left: 10%; }
.hero-blob-2 { width: 300px; height: 300px; background: var(--purple); top: -60px; right: 15%; }
.hero-blob-3 { width: 250px; height: 250px; background: var(--blue);  bottom: -80px; left: 40%; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 5px 14px;
  background: rgba(6,182,212,0.08);
  border: 1px solid rgba(6,182,212,0.2);
  border-radius: 20px;
  font-size: 12px; font-weight: 600; color: var(--cyan);
  margin-bottom: 20px; letter-spacing: 0.04em;
}
html.light .hero-eyebrow { background: rgba(2,132,199,0.08); border-color: rgba(2,132,199,0.2); }

.hero-title {
  font-size: clamp(32px, 5vw, 56px);
  font-weight: 900; line-height: 1.1;
  color: var(--text-primary);
  margin-bottom: 16px;
}
.hero-gradient {
  background: linear-gradient(135deg, var(--cyan), var(--blue), var(--purple));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero-sub {
  font-size: 17px; color: var(--text-secondary);
  max-width: 600px; margin: 0 auto 32px;
  line-height: 1.6;
}
.hero-actions {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  flex-wrap: wrap;
}

/* Feature cards on home */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
  margin-top: 48px;
}
.feature-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: all var(--transition);
  position: relative; overflow: hidden;
}
.feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: var(--cyan);
}
html.light .feature-card { box-shadow: var(--shadow-sm); }
html.light .feature-card:hover { box-shadow: var(--shadow-md); }
.feature-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; margin-bottom: 14px;
}
.feature-title { font-size: 15px; font-weight: 700; color: var(--text-primary); margin-bottom: 7px; }
.feature-desc  { font-size: 13px; color: var(--text-secondary); line-height: 1.55; }

/* ══════════════════════════════════════════════════════════════
   CHATBOT
   ══════════════════════════════════════════════════════════════ */
#chatbot-toggle {
  position: fixed; bottom: 24px; right: 24px; z-index: 40;
  width: 56px; height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 8px 30px rgba(6,182,212,0.4);
  transition: all var(--transition);
}
#chatbot-toggle:hover { transform: scale(1.08); }
#chatbot-toggle svg { width: 24px; height: 24px; color: #fff; }
#chat-unread {
  position: absolute; top: -4px; right: -4px;
  width: 20px; height: 20px;
  background: var(--red); border-radius: 50%;
  font-size: 11px; font-weight: 700; color: #fff;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid var(--bg-base);
  opacity: 0; transition: opacity 0.2s;
}
#chat-unread.show { opacity: 1; }

#chatbot-panel {
  position: fixed; bottom: 92px; right: 24px; z-index: 40;
  width: 380px; max-width: calc(100vw - 32px);
  height: 560px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-2xl);
  box-shadow: var(--shadow-xl);
  display: flex; flex-direction: column; overflow: hidden;
  transform: translateY(20px) scale(0.95);
  opacity: 0; pointer-events: none;
  transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
}
#chatbot-panel.open {
  transform: translateY(0) scale(1);
  opacity: 1; pointer-events: all;
}
html.light #chatbot-panel { box-shadow: var(--shadow-xl); }

.chat-header {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 16px;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border);
  flex-shrink: 0;
}
.chat-avatar {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; flex-shrink: 0;
}
.chat-agent-name { font-size: 14px; font-weight: 700; color: var(--text-primary); }
.chat-agent-status {
  font-size: 11px; color: var(--green);
  display: flex; align-items: center; gap: 5px;
}
.chat-messages {
  flex: 1; overflow-y: auto;
  padding: 16px; display: flex; flex-direction: column; gap: 10px;
}
.chat-msg {
  display: flex;
  animation: fade-in 0.2s ease;
}
.chat-msg.user { justify-content: flex-end; }
.chat-bubble {
  max-width: 80%;
  padding: 10px 14px;
  border-radius: 16px;
  font-size: 13px; line-height: 1.5;
}
.chat-msg.bot  .chat-bubble {
  background: var(--bg-surface);
  color: var(--text-secondary);
  border: 1px solid var(--border);
  border-bottom-left-radius: 4px;
}
.chat-msg.user .chat-bubble {
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  color: #fff;
  border-bottom-right-radius: 4px;
}
.chat-msg.success .chat-bubble { border-left: 3px solid var(--green); }
.chat-msg.error   .chat-bubble { border-left: 3px solid var(--red); }
.chat-msg.confirm .chat-bubble { border-left: 3px solid var(--amber); }

.chat-typing {
  display: flex; align-items: center; gap: 4px;
  padding: 10px 14px;
  background: var(--bg-surface);
  border: 1px solid var(--border);
  border-radius: 16px; border-bottom-left-radius: 4px;
  width: fit-content;
}
.chat-typing span {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--text-muted);
  animation: typing-dot 1.4s infinite ease-in-out;
}
.chat-typing span:nth-child(2) { animation-delay: 0.2s; }
.chat-typing span:nth-child(3) { animation-delay: 0.4s; }
@keyframes typing-dot {
  0%,80%,100% { transform: scale(0.7); opacity: 0.5; }
  40% { transform: scale(1); opacity: 1; }
}

.chat-quick-btns {
  padding: 8px 12px;
  display: flex; flex-wrap: wrap; gap: 6px;
  border-top: 1px solid var(--border);
  background: var(--bg-surface);
  flex-shrink: 0;
}
.chat-quick-btn {
  padding: 5px 10px;
  font-size: 11px; font-weight: 500;
  border: 1px solid var(--border);
  border-radius: 20px;
  background: var(--bg-card);
  color: var(--text-secondary);
  cursor: pointer; transition: all var(--transition);
}
.chat-quick-btn:hover { border-color: var(--cyan); color: var(--cyan); }

.chat-input-row {
  display: flex; gap: 8px;
  padding: 12px 14px;
  border-top: 1px solid var(--border);
  background: var(--bg-surface);
  flex-shrink: 0;
}
.chat-input {
  flex: 1;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 9px 14px;
  color: var(--text-primary);
  font-size: 13px; font-family: 'Inter', sans-serif;
  outline: none; transition: border-color var(--transition);
}
.chat-input:focus { border-color: var(--border-focus); }
.chat-input::placeholder { color: var(--text-muted); }
.chat-send-btn {
  width: 38px; height: 38px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border: none; border-radius: var(--radius-md);
  color: #fff; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all var(--transition); flex-shrink: 0;
}
.chat-send-btn:hover { filter: brightness(1.1); }
.chat-send-btn svg { width: 16px; height: 16px; }

/* ══════════════════════════════════════════════════════════════
   PAGES
   ══════════════════════════════════════════════════════════════ */
.page { display: none; }
.page.active { display: block; animation: fade-in 0.25s ease; }
@keyframes fade-in { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

/* ══════════════════════════════════════════════════════════════
   MISC UTILITIES
   ══════════════════════════════════════════════════════════════ */
.mono      { font-family: 'JetBrains Mono', monospace; }
.text-cyan { color: var(--cyan); }
.text-blue { color: var(--blue); }
.text-green{ color: var(--green); }
.text-red  { color: var(--red); }
.text-amber{ color: var(--amber); }
.text-muted{ color: var(--text-muted); }
.text-secondary { color: var(--text-secondary); }

.divider { height: 1px; background: var(--border); margin: 20px 0; }
.section-title {
  font-size: 20px; font-weight: 800; color: var(--text-primary);
  margin-bottom: 4px;
}
.section-sub {
  font-size: 14px; color: var(--text-muted); margin-bottom: 24px;
}

.empty-state {
  text-align: center; padding: 48px 24px;
  color: var(--text-muted);
}
.empty-state .empty-icon { font-size: 48px; margin-bottom: 14px; opacity: 0.5; }
.empty-state .empty-title { font-size: 16px; font-weight: 600; color: var(--text-secondary); margin-bottom: 8px; }
.empty-state .empty-desc  { font-size: 13px; line-height: 1.5; }

.skeleton {
  background: linear-gradient(90deg, var(--border) 25%, var(--bg-card-hover) 50%, var(--border) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.5s infinite;
  border-radius: var(--radius-sm);
}
@keyframes shimmer { 0% { background-position: 200% 0; } 100% { background-position: -200% 0; } }

.spinner {
  width: 18px; height: 18px;
  border: 2px solid rgba(255,255,255,0.2);
  border-top-color: currentColor;
  border-radius: 50%;
  animation: spin 0.65s linear infinite;
  display: inline-block;
}
.spinner.dark {
  border-color: rgba(0,0,0,0.12);
  border-top-color: var(--cyan);
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ══════════════════════════════════════════════════════════════
   GRID BACKGROUND
   ══════════════════════════════════════════════════════════════ */
.grid-bg {
  background-image:
    linear-gradient(rgba(6,182,212,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(6,182,212,0.025) 1px, transparent 1px);
  background-size: 56px 56px;
}
html.light .grid-bg {
  background-image:
    linear-gradient(rgba(2,132,199,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(2,132,199,0.04) 1px, transparent 1px);
}

/* ══════════════════════════════════════════════════════════════
   RESPONSIVE
   ══════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .main-content    { padding: 20px 16px; }
  .top-header      { padding: 0 16px; }
  .hero-title      { font-size: 28px; }
  .hero-sub        { font-size: 14px; }
  .stat-value      { font-size: 22px; }
  .data-table th   { padding: 10px 12px; font-size: 10px; }
  .data-table td   { padding: 12px 12px; font-size: 12px; }
  .card            { padding: 16px; }
  .card-lg         { padding: 20px; }
  .modal-body      { padding: 16px; }
  .steps-bar .step-label { display: none; }
  .hide-mobile     { display: none !important; }
  #chatbot-panel   { width: calc(100vw - 32px); right: 16px; }
}

/* ══════════════════════════════════════════════════════════════
   MARKETPLACE OFFER CARDS
   ══════════════════════════════════════════════════════════════ */
.offer-card {
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
  position: relative;
}
.offer-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(6,182,212,0.4) !important;
}
.offer-card .badge-utilization {
  font-size: 10px; font-family: 'JetBrains Mono', monospace;
}

/* Lend tab system */
.lend-tab { display: none; }
.lend-tab.active { display: block; }

/* Offer form ratio group */
#of-ratio-group { display: flex; flex-direction: column; }

/* Borrow offer banner */
#borrow-offer-banner {
  border-radius: var(--radius-md);
  margin-bottom: 16px;
}

/* Progress fills for utilization */
.progress-fill.red    { background: linear-gradient(90deg, var(--red),   #f97316); }
.progress-fill.green  { background: linear-gradient(90deg, var(--green), #34d399); }

/* My Lending table extra */
.badge-amber { background: rgba(245,158,11,0.1); color: var(--amber); border: 1px solid rgba(245,158,11,0.25); }
.text-amber  { color: var(--amber); }

/* ══════════════════════════════════════════════════════════════
   FOOTER — redesigned
   ══════════════════════════════════════════════════════════════ */
.site-footer {
  margin-top: auto;
  background: var(--bg-surface);
  border-top: 1px solid var(--border);
}

.footer-divider {
  display: none; /* border-top on .site-footer already handles it */
}

/* ── Main grid: 3 equal columns ── */
.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 44px 40px 36px;
  display: grid;
  grid-template-columns: 1fr 1fr 2fr;
  gap: 0;
}

/* Vertical separators between columns */
.footer-col {
  padding: 0 36px;
  border-right: 1px solid var(--border);
}
.footer-col:first-child { padding-left: 0; }
.footer-col:last-child  { border-right: none; padding-right: 0; }

/* ── Col 1: Brand ── */
.footer-col-brand {}

.footer-logo {
  display: flex; align-items: center; gap: 8px;
  margin-bottom: 10px;
}
.footer-logo-icon { font-size: 20px; line-height: 1; }
.footer-logo-text {
  font-size: 19px; font-weight: 800;
  letter-spacing: -0.5px;
  color: var(--text-primary);
}
.footer-logo-fi {
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.footer-tagline {
  font-size: 12px;
  line-height: 1.65;
  color: var(--text-muted);
  margin: 0 0 18px;
  max-width: 240px;
}
.footer-network-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 11px;
  background: rgba(6,182,212,0.07);
  border: 1px solid rgba(6,182,212,0.22);
  border-radius: 20px;
  font-size: 11px; font-weight: 600;
  font-family: 'JetBrains Mono', monospace;
}
.footer-net-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 5px var(--green);
  animation: pulse-dot 2s infinite;
  flex-shrink: 0;
}
.footer-net-label { color: var(--cyan); }
.footer-net-sep   { color: var(--border); }
.footer-net-chain { color: var(--text-muted); }

.footer-wallet-row {
  display: flex; align-items: center; gap: 6px;
  margin-top: 10px;
  font-size: 11px; color: var(--text-muted);
  font-family: 'JetBrains Mono', monospace;
}
.footer-wallet-row i { font-size: 10px; }
#footer-wallet-addr  { color: var(--text-secondary); }

/* ── Col titles ── */
.footer-col-title {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin: 0 0 18px;
}

/* ── Links ── */
.footer-links {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 11px;
}
.footer-link {
  display: inline-flex; align-items: center; gap: 9px;
  color: var(--text-secondary);
  text-decoration: none;
  font-size: 13px;
  transition: color 0.15s, transform 0.15s;
  white-space: nowrap;
}
.footer-link:hover          { color: var(--cyan); transform: translateX(2px); }
.footer-link i              { font-size: 11px; width: 13px; text-align: center; color: var(--text-muted); transition: color 0.15s; }
.footer-link:hover i        { color: var(--cyan); }

/* ── Col 3: Legal — side-by-side layout ── */
.footer-legal-body {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px;
  align-items: start;
}
.footer-legal-links {
  flex-shrink: 0;
}

/* Disclaimer — right side, same row as links */
.footer-disclaimer {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  padding: 13px 14px;
  background: rgba(245,158,11,0.05);
  border: 1px solid rgba(245,158,11,0.16);
  border-radius: var(--radius-md);
  font-size: 11px;
  line-height: 1.7;
  color: var(--text-muted);
}
.footer-disclaimer-icon {
  color: var(--amber);
  font-size: 13px;
  margin-top: 2px;
  flex-shrink: 0;
}
.footer-disclaimer p { margin: 0; }
html.light .footer-disclaimer {
  background: rgba(245,158,11,0.05);
  border-color: rgba(245,158,11,0.2);
}

/* ── Bottom bar ── */
.footer-bottom-bar {
  border-top: 1px solid var(--border);
}
.footer-bottom-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 13px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 11px;
  color: var(--text-muted);
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom-dots {
  display: flex; align-items: center; gap: 8px;
  flex-wrap: wrap;
}
.footer-bottom-sep   { color: var(--border); }
.footer-bottom-link  { color: var(--cyan); text-decoration: none; transition: opacity 0.15s; }
.footer-bottom-link:hover { opacity: 0.7; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .footer-inner {
    grid-template-columns: 1fr 1fr;
    padding: 36px 28px 28px;
    gap: 0;
  }
  .footer-col-brand {
    grid-column: 1 / -1;
    padding: 0 0 28px;
    border-right: none;
    border-bottom: 1px solid var(--border);
    margin-bottom: 28px;
  }
  .footer-col-brand .footer-tagline { max-width: 460px; }
  .footer-col:nth-child(2) { padding-left: 0; }
  .footer-col:last-child   { padding-right: 0; }
}
@media (max-width: 720px) {
  .footer-inner {
    grid-template-columns: 1fr;
    padding: 28px 20px;
    gap: 0;
  }
  .footer-col {
    border-right: none;
    border-bottom: 1px solid var(--border);
    padding: 0 0 24px;
    margin-bottom: 24px;
  }
  .footer-col:last-child { border-bottom: none; margin-bottom: 0; }
  .footer-col-brand { border-bottom: 1px solid var(--border); }
  .footer-legal-body {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  .footer-bottom-inner {
    flex-direction: column;
    align-items: flex-start;
    padding: 14px 20px;
    gap: 6px;
  }
  .footer-bottom-sep { display: none; }
  .footer-bottom-dots { flex-direction: column; align-items: flex-start; gap: 5px; }
}

/* ══════════════════════════════════════════════════════════════
   BORROW WIZARD — complete redesign
   ══════════════════════════════════════════════════════════════ */

/* ── Offer pre-fill banner ── */
.borrow-offer-banner {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 16px;
  background: rgba(6,182,212,0.08);
  border: 1px solid rgba(6,182,212,0.25);
  border-radius: var(--radius-md);
  font-size: 13px; color: var(--cyan);
  margin-bottom: 20px;
}
.borrow-offer-banner-close {
  margin-left: auto; background: none; border: none;
  cursor: pointer; color: var(--text-muted); font-size: 18px; line-height: 1;
  transition: color 0.15s;
}
.borrow-offer-banner-close:hover { color: var(--text-primary); }

/* ── Wizard container ── */
.borrow-wizard {
  max-width: 860px;
  margin: 0 auto;
}

/* ── Wizard header ── */
.bw-header {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 28px 32px 22px;
  margin-bottom: 24px;
}
.bw-title-row {
  display: flex; align-items: flex-start; gap: 14px;
  margin-bottom: 28px;
}
.bw-icon-wrap {
  width: 44px; height: 44px; flex-shrink: 0;
  background: linear-gradient(135deg, rgba(6,182,212,.15), rgba(59,130,246,.15));
  border: 1px solid rgba(6,182,212,.25);
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; color: var(--cyan);
}
.bw-title {
  font-size: 22px; font-weight: 800; color: var(--text-primary);
  margin: 0 0 4px; line-height: 1.2;
}
.bw-subtitle {
  font-size: 13px; color: var(--text-muted); margin: 0; line-height: 1.5;
}

/* ── Stepper ── */
.bw-stepper {
  display: flex; align-items: center;
  margin-bottom: 18px;
}
.bw-step {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  flex-shrink: 0;
}
.bw-step-bubble {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 2px solid var(--border);
  background: var(--bg-input);
  display: flex; align-items: center; justify-content: center;
  position: relative;
  transition: all 0.3s ease;
}
.bw-step-num {
  font-size: 13px; font-weight: 700; color: var(--text-muted);
  transition: opacity 0.2s;
}
.bw-step-check {
  position: absolute; width: 16px; height: 16px;
  opacity: 0; transform: scale(0.5);
  transition: all 0.25s cubic-bezier(0.34,1.56,0.64,1);
}
.bw-step-label {
  font-size: 11px; font-weight: 500; color: var(--text-muted);
  white-space: nowrap; transition: color 0.2s;
}

/* Active step */
.bw-step.active .bw-step-bubble {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.1);
  box-shadow: 0 0 0 4px rgba(6,182,212,0.12);
}
.bw-step.active .bw-step-num { color: var(--cyan); }
.bw-step.active .bw-step-label { color: var(--cyan); font-weight: 700; }

/* Done step */
.bw-step.done .bw-step-bubble {
  border-color: var(--green);
  background: rgba(16,185,129,0.12);
}
.bw-step.done .bw-step-num { opacity: 0; }
.bw-step.done .bw-step-check {
  opacity: 1; transform: scale(1); color: var(--green);
}
.bw-step.done .bw-step-label { color: var(--green); }

/* Connector lines */
.bw-step-line {
  flex: 1; height: 2px;
  background: var(--border);
  margin: 0 6px;
  margin-bottom: 22px; /* align with bubble center */
  border-radius: 1px;
  transition: background 0.4s ease;
}
.bw-step-line.done { background: var(--green); }

/* ── Progress bar ── */
.bw-progress-track {
  position: relative;
  height: 4px;
  background: var(--bg-input);
  border-radius: 2px;
  overflow: visible;
}
.bw-progress-fill {
  height: 100%; border-radius: 2px;
  background: linear-gradient(90deg, var(--cyan), var(--blue));
  transition: width 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}
.bw-progress-label {
  position: absolute; right: 0; top: -22px;
  font-size: 11px; color: var(--text-muted); font-weight: 500;
}

/* ── Step content ── */
.bw-step-content {
  display: flex; flex-direction: column; gap: 16px;
}
@keyframes bwSlideIn {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}
.bw-animate-in { animation: bwSlideIn 0.3s ease forwards; }

/* ── Cards ── */
.bw-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 22px 24px;
  transition: border-color 0.2s;
}
.bw-card:focus-within { border-color: rgba(6,182,212,0.35); }
.bw-card-eyebrow {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--text-muted);
  margin-bottom: 18px;
}
.bw-card-eyebrow .bw-optional {
  background: rgba(6,182,212,0.1); color: var(--cyan);
  border: 1px solid rgba(6,182,212,0.2);
  padding: 1px 7px; border-radius: 10px;
  font-size: 10px; font-weight: 600; letter-spacing: 0;
  text-transform: none;
}
.bw-card-hint {
  font-size: 12px; color: var(--text-muted); line-height: 1.6;
  margin: -10px 0 16px;
}

/* ── Form grid ── */
.bw-form-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  margin-bottom: 16px;
}
@media (max-width: 640px) { .bw-form-grid { grid-template-columns: 1fr; } }

/* ── Field ── */
.bw-field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 0; }

.bw-label {
  font-size: 12px; font-weight: 600; color: var(--text-secondary);
  display: flex; align-items: center; gap: 6px;
}
.bw-req { color: var(--red); font-weight: 700; }
.bw-optional {
  background: rgba(6,182,212,0.08); color: var(--cyan);
  border: 1px solid rgba(6,182,212,0.18);
  padding: 1px 7px; border-radius: 10px;
  font-size: 10px; font-weight: 600;
}

/* ── Input ── */
.bw-input-wrap { position: relative; display: flex; align-items: center; }
.bw-input {
  width: 100%;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px 14px;
  font-size: 14px; color: var(--text-primary);
  font-family: inherit;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
  appearance: none; -webkit-appearance: none;
}
.bw-input:focus {
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(6,182,212,0.12);
  background: var(--bg-card);
}
.bw-input::placeholder { color: var(--text-muted); }
.bw-input.bw-input-error {
  border-color: var(--red) !important;
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1) !important;
}
.bw-input.bw-input-valid { border-color: var(--green); }
.bw-select { cursor: pointer; padding-right: 36px; }
.bw-textarea { resize: vertical; min-height: 72px; line-height: 1.5; }
.bw-mono { font-family: 'JetBrains Mono', monospace; font-size: 13px; }

/* Input with prefix/suffix */
.bw-input-affix { position: relative; }
.bw-prefix-icon {
  position: absolute; left: 12px; z-index: 1;
  color: var(--text-muted); font-size: 13px;
  pointer-events: none;
}
.bw-input-with-prefix { padding-left: 34px; }
.bw-suffix {
  position: absolute; right: 36px;
  font-size: 12px; font-weight: 700; color: var(--text-muted);
  letter-spacing: 0.05em; pointer-events: none;
}

/* Check icon */
.bw-input-check {
  position: absolute; right: 12px;
  font-size: 12px; color: var(--green);
  opacity: 0; transition: opacity 0.2s;
  pointer-events: none;
}
.bw-input-check.visible { opacity: 1; }

/* Field messages */
.bw-field-err {
  font-size: 11px; color: var(--red); font-weight: 500;
  display: none;
}
.bw-field-err.show { display: block; }
.bw-field-hint { font-size: 11px; color: var(--text-muted); }

/* ── Borrower type toggle ── */
.bw-type-toggle {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}
@media (max-width: 480px) { .bw-type-toggle { grid-template-columns: 1fr; } }

.bw-type-btn {
  display: flex; flex-direction: column; align-items: center;
  gap: 4px; padding: 16px 14px;
  background: var(--bg-input);
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  cursor: pointer; text-align: center;
  transition: all 0.2s ease;
}
.bw-type-btn:hover { border-color: var(--cyan); background: rgba(6,182,212,0.04); }
.bw-type-btn.selected {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.08);
  box-shadow: 0 0 0 3px rgba(6,182,212,0.1);
}
.bw-type-icon { font-size: 26px; line-height: 1; }
.bw-type-title { font-size: 13px; font-weight: 700; color: var(--text-primary); }
.bw-type-desc  { font-size: 11px; color: var(--text-muted); }
.bw-type-btn.selected .bw-type-title { color: var(--cyan); }

/* Company info banner */
.bw-info-banner {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 12px 14px;
  background: rgba(59,130,246,0.07);
  border: 1px solid rgba(59,130,246,0.2);
  border-radius: var(--radius-md);
  font-size: 12px; color: var(--blue);
  line-height: 1.5; margin-bottom: 16px;
}
.bw-info-banner i { flex-shrink: 0; margin-top: 2px; }

/* ── Live Calculator ── */
.bw-calc-card {
  background: linear-gradient(135deg, rgba(6,182,212,0.06), rgba(59,130,246,0.06));
  border: 1.5px solid rgba(6,182,212,0.25);
  border-radius: var(--radius-xl);
  padding: 20px 24px;
  animation: bwSlideIn 0.3s ease;
}
.bw-calc-header {
  display: flex; align-items: center; gap: 8px;
  font-size: 12px; font-weight: 700; color: var(--cyan);
  text-transform: uppercase; letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.bw-calc-note { margin-left: auto; font-weight: 400; color: var(--text-muted); text-transform: none; letter-spacing: 0; }
.bw-calc-grid {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 12px;
  margin-bottom: 14px;
}
@media (max-width: 640px) { .bw-calc-grid { grid-template-columns: 1fr 1fr; } }

.bw-calc-cell {
  display: flex; flex-direction: column; gap: 4px;
  padding: 12px; background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
}
.bw-calc-cell-accent { border-color: rgba(6,182,212,0.3); background: rgba(6,182,212,0.04); }
.bw-calc-label { font-size: 10px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; }
.bw-calc-value { font-size: 18px; font-weight: 800; color: var(--text-primary); font-family: 'JetBrains Mono', monospace; }
.bw-calc-value-cyan  { color: var(--cyan); }
.bw-calc-value-green { color: var(--green); }
.bw-calc-value-muted { color: var(--text-secondary); font-size: 16px; }
.bw-calc-note-banner {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; color: var(--text-muted); line-height: 1.5;
  padding: 8px 12px;
  background: rgba(6,182,212,0.04);
  border-radius: var(--radius-sm);
}

/* ── Purpose chips ── */
.bw-purpose-chips {
  display: flex; flex-wrap: wrap; gap: 8px;
}
.bw-purpose-chip {
  padding: 6px 14px;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  font-size: 12px; font-weight: 600; color: var(--text-secondary);
  cursor: pointer; transition: all 0.18s;
}
.bw-purpose-chip:hover { border-color: var(--cyan); color: var(--cyan); }
.bw-purpose-chip.selected {
  border-color: var(--cyan); color: var(--cyan);
  background: rgba(6,182,212,0.08);
}

/* ── Collateral intro ── */
.bw-collateral-intro { text-align: center; padding: 8px 0 20px; }
.bw-collateral-intro-title {
  font-size: 18px; font-weight: 800; color: var(--text-primary); margin: 0 0 6px;
}
.bw-collateral-intro-sub { font-size: 13px; color: var(--text-muted); margin: 0; }

/* ── Collateral selector cards ── */
.bw-collateral-cards {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  margin-bottom: 24px;
}
@media (max-width: 600px) { .bw-collateral-cards { grid-template-columns: 1fr; } }

.bw-col-card {
  position: relative;
  display: flex; gap: 14px;
  padding: 20px;
  background: var(--bg-card);
  border: 2px solid var(--border);
  border-radius: var(--radius-xl);
  cursor: pointer;
  transition: all 0.22s ease;
}
.bw-col-card:hover { border-color: var(--cyan); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.bw-col-card.selected {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.04);
  box-shadow: 0 0 0 3px rgba(6,182,212,0.1);
}

.bw-col-card-check {
  position: absolute; top: 14px; right: 14px;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--green);
  display: flex; align-items: center; justify-content: center;
  opacity: 0; transform: scale(0.5);
  transition: all 0.2s cubic-bezier(0.34,1.56,0.64,1);
}
.bw-col-card-check svg { width: 12px; height: 12px; }
.bw-col-card.selected .bw-col-card-check { opacity: 1; transform: scale(1); }

.bw-col-card-icon {
  font-size: 32px; line-height: 1;
  width: 52px; height: 52px; flex-shrink: 0;
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
}
.bw-col-icon-rwa    { background: rgba(245,158,11,0.1); }
.bw-col-icon-crypto { background: rgba(6,182,212,0.1); }

.bw-col-card-body { display: flex; flex-direction: column; gap: 6px; }
.bw-col-card-title { font-size: 15px; font-weight: 700; color: var(--text-primary); }
.bw-col-card-desc  { font-size: 12px; color: var(--text-muted); line-height: 1.5; }
.bw-col-card-tag {
  display: inline-flex; align-items: center;
  padding: 3px 10px; border-radius: 12px;
  font-size: 11px; font-weight: 600; margin-top: 4px;
  border: 1px solid;
}
.bw-col-tag-rwa    { background: rgba(245,158,11,0.1); color: var(--amber); border-color: rgba(245,158,11,0.25); }
.bw-col-tag-crypto { background: rgba(6,182,212,0.1);  color: var(--cyan);  border-color: rgba(6,182,212,0.25); }

/* ── Collateral forms ── */
.bw-collateral-form { display: flex; flex-direction: column; gap: 16px; }

/* ── Token chips ── */
.bw-token-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.bw-token-chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 8px 18px;
  background: var(--bg-input);
  border: 2px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 13px; font-weight: 600; color: var(--text-secondary);
  cursor: pointer; transition: all 0.18s;
}
.bw-token-chip:hover { border-color: var(--cyan); color: var(--cyan); }
.bw-token-chip.selected {
  border-color: var(--cyan); color: var(--cyan);
  background: rgba(6,182,212,0.1);
  box-shadow: 0 0 0 3px rgba(6,182,212,0.1);
}
.bw-token-icon { font-size: 16px; }

/* ── Slider ── */
.bw-slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 5px;
  border-radius: 3px; background: var(--border);
  outline: none; cursor: pointer; margin: 4px 0;
}
.bw-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  cursor: pointer; box-shadow: 0 2px 8px rgba(6,182,212,0.4);
  border: 2px solid var(--bg-card);
}
.bw-slider-labels {
  display: flex; justify-content: space-between;
  font-size: 10px; color: var(--text-muted); margin-top: 4px;
}
.bw-ratio-value { color: var(--cyan); font-family: 'JetBrains Mono', monospace; font-weight: 700; }

/* ── Coverage indicator ── */
.bw-coverage-card {
  padding: 14px 16px;
  background: var(--bg-input);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-top: 4px;
}
.bw-coverage-row {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 10px;
}
.bw-coverage-label { font-size: 12px; color: var(--text-muted); }
.bw-coverage-badge {
  font-size: 12px; font-weight: 700; font-family: 'JetBrains Mono', monospace;
  color: var(--text-secondary);
}
.bw-coverage-track {
  height: 6px; background: var(--border); border-radius: 3px; overflow: hidden;
}
.bw-coverage-fill {
  height: 100%; border-radius: 3px;
  background: linear-gradient(90deg, var(--cyan), var(--blue));
  transition: width 0.4s ease;
}
.bw-coverage-fill.green { background: linear-gradient(90deg, var(--green), #34d399); }
.bw-coverage-fill.red   { background: linear-gradient(90deg, var(--red), #f97316); }
.bw-coverage-amounts {
  display: flex; justify-content: space-between;
  font-size: 11px; color: var(--text-muted); margin-top: 8px;
}
.bw-text-cyan  { color: var(--cyan); }
.bw-text-green { color: var(--green); }

/* ── Upload zone ── */
.bw-upload-zone {
  position: relative;
  border: 2px dashed var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.2s;
  background: var(--bg-input);
}
.bw-upload-zone:hover, .bw-upload-zone.dragover {
  border-color: var(--cyan);
  background: rgba(6,182,212,0.04);
}
.bw-upload-zone.has-file {
  border-color: var(--green);
  background: rgba(16,185,129,0.04);
}
.bw-upload-zone input[type="file"] {
  position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; height: 100%;
}
.bw-upload-icon {
  font-size: 36px; color: var(--text-muted); margin-bottom: 10px;
  transition: color 0.2s;
}
.bw-upload-zone:hover .bw-upload-icon { color: var(--cyan); }
.bw-upload-main { font-size: 14px; font-weight: 500; color: var(--text-secondary); }
.bw-upload-browse { color: var(--cyan); text-decoration: underline; }
.bw-upload-sub { font-size: 11px; color: var(--text-muted); margin-top: 6px; }

/* ── Doc info ── */
.bw-doc-info {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 14px; margin-top: 10px;
  background: rgba(16,185,129,0.05);
  border: 1px solid rgba(16,185,129,0.2);
  border-radius: var(--radius-md);
}
.bw-doc-info-icon { font-size: 24px; flex-shrink: 0; }
.bw-doc-info-body { flex: 1; min-width: 0; }
.bw-doc-name { font-size: 13px; font-weight: 600; color: var(--text-primary); }
.bw-doc-hash {
  font-size: 10px; color: var(--text-muted);
  font-family: 'JetBrains Mono', monospace;
  word-break: break-all; margin-top: 3px;
}
.bw-doc-badge {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 4px 10px; border-radius: 12px;
  background: rgba(16,185,129,0.1); color: var(--green);
  border: 1px solid rgba(16,185,129,0.25);
  font-size: 11px; font-weight: 700; white-space: nowrap;
}

/* ── Legal notices ── */
.bw-legal-notice {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 14px 16px;
  border-radius: var(--radius-md);
  font-size: 12px; line-height: 1.65;
}
.bw-legal-icon { font-size: 15px; flex-shrink: 0; margin-top: 1px; }
.bw-legal-warning {
  background: rgba(245,158,11,0.06);
  border: 1px solid rgba(245,158,11,0.2);
  color: var(--text-secondary);
}
.bw-legal-warning .bw-legal-icon { color: var(--amber); }
.bw-legal-info {
  background: rgba(6,182,212,0.05);
  border: 1px solid rgba(6,182,212,0.18);
  color: var(--text-secondary);
}
.bw-legal-info .bw-legal-icon { color: var(--cyan); }

/* ── Step footer (navigation) ── */
.bw-step-footer {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; padding-top: 8px;
}
.bw-btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 10px 20px;
  background: var(--bg-input);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  font-size: 14px; font-weight: 600; color: var(--text-secondary);
  cursor: pointer; transition: all 0.18s;
}
.bw-btn-secondary:hover { border-color: var(--cyan); color: var(--cyan); }
.bw-btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 24px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border: none; border-radius: var(--radius-md);
  font-size: 14px; font-weight: 700; color: #fff;
  cursor: pointer; transition: all 0.18s;
  box-shadow: 0 4px 14px rgba(6,182,212,0.3);
}
.bw-btn-primary:hover { filter: brightness(1.1); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(6,182,212,0.4); }
.bw-btn-primary:active { transform: translateY(0); }

/* ── Review step ── */
.bw-review-header {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 20px 24px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
}
.bw-review-header-icon { font-size: 36px; line-height: 1; }
.bw-review-title { font-size: 18px; font-weight: 800; color: var(--text-primary); margin: 0 0 4px; }
.bw-review-sub   { font-size: 13px; color: var(--text-muted); margin: 0; }

.bw-review-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
}
@media (max-width: 768px) { .bw-review-grid { grid-template-columns: 1fr; } }

.bw-review-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.bw-review-card-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 16px;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border);
  font-size: 12px; font-weight: 700; color: var(--text-secondary);
}
.bw-review-card-header i { color: var(--cyan); margin-right: 6px; }
.bw-review-edit {
  display: inline-flex; align-items: center; gap: 5px;
  background: none; border: 1px solid var(--border);
  border-radius: 6px; padding: 3px 8px;
  font-size: 11px; color: var(--text-muted); cursor: pointer;
  transition: all 0.15s;
}
.bw-review-edit:hover { border-color: var(--cyan); color: var(--cyan); }
.bw-review-rows { padding: 12px 16px; }
.bw-review-row {
  display: flex; flex-direction: column; gap: 2px;
  padding: 8px 0; border-bottom: 1px solid var(--border);
  font-size: 13px;
}
.bw-review-row:last-child { border-bottom: none; }
.bw-review-lbl { font-size: 10px; font-weight: 600; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; }
.bw-review-val { color: var(--text-primary); font-weight: 500; }

/* ── Financial summary strip ── */
.bw-fin-summary {
  display: flex; align-items: center; flex-wrap: wrap;
  gap: 0;
  padding: 16px 24px;
  background: linear-gradient(135deg, rgba(6,182,212,0.06), rgba(59,130,246,0.06));
  border: 1.5px solid rgba(6,182,212,0.2);
  border-radius: var(--radius-xl);
}
.bw-fin-row {
  display: flex; flex-direction: column; gap: 3px;
  padding: 4px 20px;
  flex: 1; min-width: 120px;
}
.bw-fin-row:first-child { padding-left: 0; }
.bw-fin-row:last-child  { padding-right: 0; }
.bw-fin-label { font-size: 10px; font-weight: 700; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.1em; }
.bw-fin-val   { font-size: 15px; font-weight: 800; color: var(--text-primary); font-family: 'JetBrains Mono', monospace; }
.bw-fin-green { color: var(--green); font-size: 13px; font-weight: 700; }
.bw-fin-cyan  { color: var(--cyan); }
.bw-fin-sep {
  width: 1px; height: 40px; background: var(--border);
  flex-shrink: 0; align-self: center;
}
@media (max-width: 640px) {
  .bw-fin-summary { flex-direction: column; align-items: stretch; gap: 12px; }
  .bw-fin-sep { display: none; }
  .bw-fin-row { padding: 0; }
}

/* ── Submit button ── */
.bw-btn-submit {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 13px 28px;
  background: linear-gradient(135deg, var(--cyan), var(--blue));
  border: none; border-radius: var(--radius-md);
  font-size: 15px; font-weight: 800; color: #fff;
  cursor: pointer; transition: all 0.2s;
  box-shadow: 0 6px 20px rgba(6,182,212,0.35);
  letter-spacing: 0.01em;
}
.bw-btn-submit:hover   { filter: brightness(1.1); transform: translateY(-2px); box-shadow: 0 10px 28px rgba(6,182,212,0.45); }
.bw-btn-submit:active  { transform: translateY(0); }
.bw-btn-submit:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

/* ── Light-mode overrides ── */
html.light .bw-card          { background: #fff; }
html.light .bw-header         { background: #fff; }
html.light .bw-type-btn       { background: #f8fafc; }
html.light .bw-type-btn:hover { background: rgba(6,182,212,0.04); }
html.light .bw-calc-card      { background: rgba(6,182,212,0.03); }
html.light .bw-upload-zone    { background: #f8fafc; }
html.light .bw-input          { background: #f8fafc; }
html.light .bw-input:focus    { background: #fff; }
html.light .bw-coverage-card  { background: #f1f5f9; }

/* ── Responsive fine-tuning ── */
@media (max-width: 640px) {
  .bw-header         { padding: 20px 18px 18px; }
  .bw-step-label     { display: none; }
  .bw-step-line      { margin-bottom: 0; }
  .bw-card           { padding: 16px; }
  .bw-title          { font-size: 18px; }
  .bw-collateral-cards { gap: 12px; }
  .bw-col-card       { padding: 14px; }
  .bw-step-footer    { flex-direction: column-reverse; }
  .bw-btn-primary, .bw-btn-secondary, .bw-btn-submit { width: 100%; justify-content: center; }
  .bw-review-grid    { gap: 10px; }
  .bw-fin-summary    { padding: 14px 16px; }
}

/* ══════════════════════════════════════════════════════════════════
   MARKETPLACE — Loan Request Cards
   ══════════════════════════════════════════════════════════════════ */

/* ── Grid container ── */
#marketplace-listings {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
  gap: 20px;
  align-items: start;
}

/* ── Individual card ── */
.mp-loan-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: border-color 0.2s, box-shadow 0.2s;
  overflow: hidden;
}
.mp-loan-card:hover {
  border-color: var(--cyan);
  box-shadow: 0 0 0 1px rgba(6,182,212,0.2), 0 8px 32px rgba(0,0,0,0.25);
}

/* ── Card header (ID + time + badges) ── */
.mp-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px 12px;
  border-bottom: 1px solid var(--border);
  background: var(--bg-surface);
  gap: 10px;
  flex-wrap: wrap;
}
.mp-card-id {
  display: flex;
  align-items: center;
  gap: 8px;
}
.mp-loan-num {
  font-family: 'JetBrains Mono', monospace;
  font-size: 13px;
  font-weight: 700;
  color: var(--cyan);
}
.mp-time-ago {
  font-size: 11px;
  color: var(--text-muted);
}
.mp-card-badges {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
}

/* ── Risk & collateral badges ── */
.mp-risk-badge,
.mp-col-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 8px;
  border-radius: 20px;
  white-space: nowrap;
}
.risk-low    { background: rgba(16,185,129,0.12); color: var(--green);  border: 1px solid rgba(16,185,129,0.25); }
.risk-medium { background: rgba(245,158,11,0.12); color: var(--amber);  border: 1px solid rgba(245,158,11,0.25); }
.risk-high   { background: rgba(239,68,68,0.12);  color: #ef4444;       border: 1px solid rgba(239,68,68,0.25); }
.mp-col-rwa    { background: rgba(139,92,246,0.12); color: var(--purple); border: 1px solid rgba(139,92,246,0.25); }
.mp-col-crypto { background: rgba(245,158,11,0.12); color: var(--amber);  border: 1px solid rgba(245,158,11,0.25); }

/* ── Principal amount block ── */
.mp-amount-block {
  padding: 18px 18px 14px;
  background: linear-gradient(135deg, rgba(6,182,212,0.06) 0%, transparent 60%);
  border-bottom: 1px solid var(--border);
}
.mp-amount-label {
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--text-muted);
  margin-bottom: 4px;
}
.mp-amount-value {
  font-family: 'JetBrains Mono', monospace;
  font-size: 28px;
  font-weight: 800;
  color: var(--cyan);
  line-height: 1.1;
}
.mp-amount-sub {
  font-size: 12px;
  color: var(--text-muted);
  margin-top: 4px;
}

/* ── Info rows grid ── */
.mp-info-grid {
  padding: 12px 18px;
  display: flex;
  flex-direction: column;
  gap: 0;
  border-bottom: 1px solid var(--border);
}
.mp-info-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  padding: 6px 0;
  border-bottom: 1px solid rgba(255,255,255,0.04);
  gap: 8px;
}
.mp-info-row:last-child { border-bottom: none; }
.mp-info-label {
  font-size: 11px;
  color: var(--text-muted);
  font-weight: 500;
  min-width: 80px;
  flex-shrink: 0;
}
.mp-info-value {
  font-size: 12px;
  color: var(--text-primary);
  font-weight: 500;
  text-align: right;
  word-break: break-word;
}
.mp-info-value.mono {
  font-family: 'JetBrains Mono', monospace;
}

/* ── Earnings strip ── */
.mp-earn-strip {
  display: flex;
  align-items: stretch;
  background: rgba(16,185,129,0.05);
  border-bottom: 1px solid var(--border);
}
.mp-earn-item {
  flex: 1;
  padding: 12px 14px;
  text-align: center;
}
.mp-earn-label {
  font-size: 10px;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 4px;
}
.mp-earn-val {
  font-family: 'JetBrains Mono', monospace;
  font-size: 14px;
  font-weight: 700;
  color: var(--text-primary);
}
.mp-earn-val.text-green { color: var(--green); }
.mp-earn-val.text-cyan  { color: var(--cyan);  }
.mp-earn-divider {
  width: 1px;
  background: var(--border);
  align-self: stretch;
}

/* ── Card action buttons ── */
.mp-card-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 18px;
  background: var(--bg-surface);
}
.mp-fund-btn {
  flex: 1;
}

/* ── Loading spinner inside grid ── */
.mp-spinner-wrap {
  width: 100%;
  text-align: center;
}

/* ── Light mode overrides ── */
html.light .mp-loan-card {
  background: #ffffff;
  border-color: #e2e8f0;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
}
html.light .mp-loan-card:hover {
  border-color: var(--cyan);
  box-shadow: 0 0 0 1px rgba(6,182,212,0.25), 0 4px 16px rgba(0,0,0,0.1);
}
html.light .mp-card-header,
html.light .mp-card-actions {
  background: #f8fafc;
}
html.light .mp-amount-block {
  background: linear-gradient(135deg, rgba(6,182,212,0.04) 0%, transparent 60%);
}
html.light .mp-info-row { border-bottom-color: rgba(0,0,0,0.05); }
html.light .mp-earn-strip { background: rgba(16,185,129,0.04); }

/* ── Responsive ── */
@media (max-width: 640px) {
  #marketplace-listings {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .mp-amount-value { font-size: 22px; }
  .mp-earn-item    { padding: 10px 8px; }
  .mp-earn-val     { font-size: 12px; }
}