:root{--color-bg: #f7f3e8;--color-surface: #ffffff;--color-surface-alt: #f1ece0;--color-border: #e7e0cd;--color-green-900: #0f3d23;--color-green-800: #14532d;--color-green-700: #166534;--color-green-600: #1e7a41;--color-green-100: #dcefe1;--color-gold-600: #d98a1f;--color-gold-500: #e59a2c;--color-ink: #1a1f1a;--color-ink-soft: #4b5348;--color-muted: #8a8f7f;--color-danger: #dc2626;--color-danger-bg: #fdecec;--color-warning: #b45309;--radius-lg: 24px;--radius-md: 16px;--radius-sm: 12px;--shadow-card: 0 2px 10px rgba(20, 40, 25, .06);--shadow-elevated: 0 12px 32px rgba(15, 61, 35, .16);--font-sans: "Inter", system-ui, -apple-system, sans-serif}*{margin:0;padding:0;box-sizing:border-box;font-family:var(--font-sans);-webkit-tap-highlight-color:transparent}html,body{background:var(--color-bg);color:var(--color-ink)}body{overflow-x:hidden;-webkit-font-smoothing:antialiased}@media (min-width: 640px){html,body{background:linear-gradient(160deg,#eee9d9,#ded8c1)}.app-shell{box-shadow:0 30px 80px #0f3d232e,0 0 0 1px #0f3d230f}}button,input,select,textarea{font-family:inherit}button{cursor:pointer}img{max-width:100%;display:block}::-webkit-scrollbar{width:0;height:0}:focus-visible{outline:2px solid var(--color-green-700);outline-offset:2px}.app-shell{min-height:100vh;min-height:100dvh;width:100%;max-width:430px;margin:0 auto;background:var(--color-bg);position:relative;display:flex;flex-direction:column}.app-shell.with-bottom-nav{padding-bottom:88px}.topbar{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;background:var(--color-bg);position:sticky;top:0;z-index:10}.topbar-brand{display:flex;align-items:center;gap:10px;font-size:18px;font-weight:700;color:var(--color-ink)}.topbar-brand .brand-mark{width:34px;height:34px;border-radius:10px;background:var(--color-green-800);color:#fff;display:flex;align-items:center;justify-content:center;font-size:16px}.topbar-brand .brand-accent{color:var(--color-green-700)}.icon-btn{width:40px;height:40px;border-radius:12px;border:1px solid var(--color-border);background:var(--color-surface);color:var(--color-ink);display:flex;align-items:center;justify-content:center;transition:transform .15s ease,background .15s ease}.icon-btn:active{transform:scale(.94);background:var(--color-surface-alt)}.icon-btn.pill-btn{width:auto;padding:8px 14px;gap:8px;font-weight:600;font-size:14px}.btn-primary{width:100%;padding:16px;background:var(--color-green-800);color:#fff;border:none;border-radius:var(--radius-md);font-size:16px;font-weight:600;transition:transform .15s ease,background .15s ease,opacity .15s ease}.btn-primary:active{transform:scale(.98);background:var(--color-green-700)}.btn-primary:disabled{opacity:.6;cursor:not-allowed;transform:none}.btn-secondary{padding:10px 20px;background:#fff;color:var(--color-green-800);border:1.5px solid var(--color-green-800);border-radius:var(--radius-md);font-size:14px;font-weight:600;transition:transform .15s ease,background .15s ease}.btn-secondary:active{transform:scale(.98);background:#f0fdf4}.btn-gold{width:100%;padding:16px;background:var(--color-gold-600);color:#fff;border:none;border-radius:var(--radius-md);font-size:16px;font-weight:700;display:flex;align-items:center;justify-content:center;gap:10px;transition:transform .15s ease,background .15s ease}.btn-gold:active{transform:scale(.98);background:#c17a17}.btn-outline{width:100%;padding:16px;background:var(--color-surface);color:var(--color-ink);border:1px solid var(--color-border);border-radius:var(--radius-md);font-size:16px;font-weight:600}.btn-outline:active{background:var(--color-surface-alt)}.btn-text{background:transparent;border:none;color:var(--color-green-700);font-weight:600;font-size:14px}.btn-danger-outline{width:100%;padding:14px;background:var(--color-surface);color:var(--color-danger);border:1px solid #f3c9c9;border-radius:var(--radius-md);font-size:15px;font-weight:600;display:flex;align-items:center;justify-content:center;gap:8px}.btn-row{display:flex;gap:10px}.btn-row>*{flex:1}.card{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:20px;box-shadow:var(--shadow-card)}.card+.card{margin-top:14px}.card-list{display:flex;flex-direction:column;gap:14px;padding:0 20px}.card-dark{background:linear-gradient(150deg,var(--color-green-800) 0%,var(--color-green-900) 100%);color:#fff;border-radius:var(--radius-lg);padding:24px;position:relative;overflow:hidden}.card-dark:after{content:"";position:absolute;top:-60%;right:-30%;width:220px;height:220px;background:#ffffff0f;border-radius:50%}.pill{display:inline-flex;align-items:center;gap:6px;padding:6px 14px;border-radius:999px;font-size:12.5px;font-weight:600}.pill-outline{background:var(--color-green-100);color:var(--color-green-800);border:1px solid #c9e4d1}.pill-solid-light{background:#ffffff2e;color:#fff}.landing-hero{padding:28px 24px 8px}.landing-headline{font-size:34px;line-height:1.15;font-weight:800;margin:16px 0 12px;color:var(--color-ink)}.landing-headline .accent{display:block;color:var(--color-green-700)}.landing-desc{font-size:15px;line-height:1.55;color:var(--color-ink-soft);margin-bottom:24px}.landing-checks{display:flex;flex-wrap:wrap;gap:8px 18px;margin:18px 0 28px;font-size:13px;color:var(--color-ink-soft)}.landing-checks span{display:inline-flex;align-items:center;gap:6px}.landing-checks i{color:var(--color-green-700)}.score-preview-card{margin:0 24px 32px}.score-preview-header{display:flex;align-items:center;justify-content:space-between;font-size:13px;opacity:.85}.score-preview-value{font-size:52px;font-weight:800;margin:10px 0 4px;display:flex;align-items:baseline;gap:6px}.score-preview-value small{font-size:16px;font-weight:500;opacity:.7}.score-preview-credit{margin-top:18px;padding:14px 16px;background:#0000002e;border-radius:var(--radius-md)}.score-preview-credit-label{font-size:11px;letter-spacing:.04em;text-transform:uppercase;opacity:.75}.score-preview-credit-value{font-size:24px;font-weight:700;margin-top:4px}.score-bars{margin-top:16px;display:flex;flex-direction:column;gap:10px}.score-bar-row{display:flex;align-items:center;justify-content:space-between;font-size:13px}.score-bar-track{flex:1;height:6px;border-radius:999px;background:#ffffff2e;margin:0 12px;overflow:hidden}.score-bar-fill{height:100%;border-radius:999px;background:var(--color-gold-500)}.section-heading{text-align:center;padding:12px 24px 4px}.section-heading h2{font-size:26px;font-weight:800}.section-heading p{font-size:14px;color:var(--color-ink-soft);margin-top:8px}.how-it-works{padding:20px 20px 8px;display:flex;flex-direction:column;gap:16px}.how-step{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:20px}.how-step-icon{width:44px;height:44px;border-radius:12px;background:var(--color-green-100);color:var(--color-green-800);display:flex;align-items:center;justify-content:center;font-size:18px;margin-bottom:14px}.how-step h3{font-size:17px;font-weight:700;margin-bottom:6px}.how-step p{font-size:14px;color:var(--color-ink-soft);line-height:1.5}.landing-cta{margin:24px 20px;padding:32px 24px;background:linear-gradient(150deg,var(--color-green-800),var(--color-green-900));border-radius:var(--radius-lg);text-align:center;color:#fff}.landing-cta h2{font-size:24px;font-weight:800;margin-bottom:10px}.landing-cta p{font-size:14px;opacity:.85;margin-bottom:22px;line-height:1.5}.landing-footer{text-align:center;padding:24px 20px 40px;color:var(--color-muted);font-size:12px}.landing-footer .footer-brand{display:flex;align-items:center;justify-content:center;gap:8px;font-weight:700;color:var(--color-ink);font-size:15px;margin-bottom:6px}.auth-screen{padding:24px 24px 40px}.auth-back{width:40px;height:40px;border-radius:12px;background:var(--color-surface);border:1px solid var(--color-border);color:var(--color-ink);display:flex;align-items:center;justify-content:center}.auth-title{font-size:26px;font-weight:800;margin-top:28px;margin-bottom:6px}.auth-subtitle{font-size:14px;color:var(--color-ink-soft)}.field-group{margin-top:28px;display:flex;flex-direction:column;gap:16px}.field-label{font-size:13px;font-weight:600;color:var(--color-ink-soft);margin-bottom:8px;display:block}.input-shell{display:flex;align-items:center;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:4px}.input-shell .country-code{padding:12px 14px;font-size:15px;font-weight:600;color:var(--color-green-700);border-right:1px solid var(--color-border);white-space:nowrap}.text-input,.select-input{flex:1;width:100%;background:transparent;border:none;padding:13px 14px;color:var(--color-ink);font-size:15px;outline:none}.select-input{-webkit-appearance:none;-moz-appearance:none;appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' fill='%234b5348' viewBox='0 0 16 16'><path d='M8 11 3 6h10z'/></svg>");background-repeat:no-repeat;background-position:right 14px center;padding-right:34px}.text-input::placeholder{color:var(--color-muted)}.otp-row{display:flex;gap:10px;justify-content:space-between;margin-top:28px}.otp-box{width:48px;height:58px;background:var(--color-surface);border:2px solid var(--color-border);border-radius:var(--radius-md);text-align:center;font-size:22px;font-weight:700;color:var(--color-ink);outline:none;transition:border-color .2s}.otp-box:focus{border-color:var(--color-green-700)}.demo-note{margin-top:10px;color:var(--color-green-700);font-size:13px;font-weight:500}.dashboard-header{padding:20px 20px 4px;display:flex;justify-content:space-between;align-items:flex-start}.dashboard-greeting{font-size:14px;color:var(--color-ink-soft)}.dashboard-name{font-size:22px;font-weight:800;margin-top:2px}.score-card{margin:16px 20px 20px}.score-card-top{display:flex;align-items:center;justify-content:space-between}.score-card-title{display:flex;align-items:center;gap:8px;font-size:14px;opacity:.85}.score-card-value{font-size:48px;font-weight:800;margin:10px 0 0;line-height:1}.score-card-value .of{font-size:18px;font-weight:500;opacity:.7;margin-left:6px}.score-card-bar-track{margin-top:16px;height:8px;border-radius:999px;background:#ffffff29;overflow:hidden}.score-card-bar-fill{height:100%;border-radius:999px;background:var(--color-gold-500);transition:width .4s ease}.score-card-credit{margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.16);display:flex;justify-content:space-between;align-items:center}.score-card-credit-label{font-size:12px;opacity:.75;text-transform:uppercase;letter-spacing:.04em}.score-card-credit-value{font-size:22px;font-weight:700}.breakdown-card{margin:0 20px 16px}.breakdown-heading{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:700;margin-bottom:16px;color:var(--color-ink)}.breakdown-heading i{color:var(--color-green-700)}.breakdown-row{margin-bottom:14px}.breakdown-row:last-child{margin-bottom:0}.breakdown-row-top{display:flex;justify-content:space-between;font-size:13.5px;margin-bottom:6px;color:var(--color-ink-soft)}.breakdown-row-top strong{color:var(--color-ink);font-weight:600}.breakdown-track{height:7px;border-radius:999px;background:var(--color-surface-alt);overflow:hidden}.breakdown-fill{height:100%;border-radius:999px;background:var(--color-green-700)}.action-card{margin:0 20px 12px;padding:18px 20px;border-radius:var(--radius-lg);display:flex;align-items:center;gap:14px;transition:transform .15s ease}.action-card:active{transform:scale(.98)}.action-card.primary{background:linear-gradient(135deg,var(--color-green-800),var(--color-green-900));color:#fff}.action-card.secondary{background:var(--color-surface);border:1px solid var(--color-border);color:var(--color-ink)}.action-card-icon{width:44px;height:44px;border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}.action-card.primary .action-card-icon{background:#ffffff29}.action-card.secondary .action-card-icon{background:var(--color-green-100);color:var(--color-green-800)}.action-card-title{font-size:15.5px;font-weight:700}.action-card-desc{font-size:12.5px;opacity:.8;margin-top:2px}.action-card-arrow{margin-left:auto;opacity:.7}.empty-state-card{margin:0 20px;padding:32px 20px;text-align:center;border:1px dashed var(--color-border);border-radius:var(--radius-lg);background:var(--color-surface)}.empty-state-icon{width:56px;height:56px;border-radius:16px;background:var(--color-green-100);color:var(--color-green-800);display:flex;align-items:center;justify-content:center;font-size:22px;margin:0 auto 16px}.empty-state-card h3{font-size:17px;font-weight:700;margin-bottom:8px}.empty-state-card p{font-size:13.5px;color:var(--color-ink-soft);line-height:1.5;margin-bottom:20px}.form-header{padding:20px 20px 4px}.form-header-icon{width:44px;height:44px;border-radius:12px;background:var(--color-green-800);color:#fff;display:flex;align-items:center;justify-content:center;font-size:18px;margin-bottom:14px}.form-title{font-size:22px;font-weight:800}.form-subtitle{font-size:13.5px;color:var(--color-ink-soft);margin-top:4px}.form-body{padding:24px 20px 20px;display:flex;flex-direction:column;gap:16px}.form-footer{padding:0 20px 32px}.account-header-card{margin:16px 20px;padding:20px;display:flex;align-items:center;gap:14px}.avatar{width:56px;height:56px;border-radius:16px;background:var(--color-green-800);color:#fff;display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;flex-shrink:0}.account-header-name{font-size:18px;font-weight:700}.account-header-phone{font-size:13.5px;color:var(--color-ink-soft);margin-top:2px}.info-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;padding:0 20px;margin-bottom:12px}.info-tile{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:16px}.info-tile i{color:var(--color-green-700);font-size:15px;margin-bottom:8px;display:block}.info-tile-label{font-size:12px;color:var(--color-muted);margin-bottom:4px}.info-tile-value{font-size:15px;font-weight:700}.loan-history-card{margin:0 20px 16px}.loan-history-title{font-size:15px;font-weight:700;margin-bottom:4px}.loan-history-empty{font-size:13.5px;color:var(--color-muted);margin-top:8px}.loan-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-top:1px solid var(--color-border)}.loan-row:first-of-type{border-top:none;padding-top:10px}.loan-row-title{font-size:14px;font-weight:600}.loan-row-date{font-size:12px;color:var(--color-muted);margin-top:2px}.loan-row-amount{font-size:14.5px;font-weight:700}.status-tag{display:inline-block;padding:3px 9px;border-radius:8px;font-size:11px;font-weight:700;margin-top:3px}.status-tag.disbursed{background:var(--color-green-100);color:var(--color-green-800)}.market-header{padding:20px 20px 6px}.market-title{font-size:26px;font-weight:800}.market-subtitle{font-size:13.5px;color:var(--color-ink-soft);margin-top:4px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}.stale-banner{margin:4px 20px;padding:12px 14px;background:#fff7e6;border:1px solid #f3dfa6;border-radius:var(--radius-sm);color:var(--color-warning);font-size:12.5px;display:flex;align-items:center;gap:8px}.market-section-title{display:flex;align-items:center;gap:8px;font-size:14px;font-weight:700;color:var(--color-ink);padding:18px 20px 10px;text-transform:none}.price-row{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-md);padding:14px 16px;display:flex;align-items:center;justify-content:space-between;gap:12px}.price-row-left{display:flex;align-items:center;gap:12px;min-width:0}.price-row-emoji{width:42px;height:42px;border-radius:12px;background:var(--color-surface-alt);display:flex;align-items:center;justify-content:center;font-size:19px;flex-shrink:0}.price-row-name{font-size:14.5px;font-weight:700}.price-row-unit{font-size:12px;color:var(--color-muted);margin-top:2px}.price-row-right{text-align:right;flex-shrink:0}.price-row-value{font-size:15px;font-weight:700}.price-trend{font-size:12px;font-weight:600;margin-top:3px;display:flex;align-items:center;justify-content:flex-end;gap:4px}.price-trend.up{color:var(--color-green-700)}.price-trend.down{color:var(--color-danger)}.loading-row,.error-row{padding:24px;text-align:center;color:var(--color-muted);font-size:13.5px}.error-row{color:var(--color-danger)}.flow-header{display:flex;align-items:center;gap:14px;padding:20px 20px 8px}.flow-title{font-size:18px;font-weight:700}.amount-block{margin:20px 20px 0;padding:24px 20px;text-align:center}.amount-block-label{font-size:13px;color:var(--color-ink-soft);margin-bottom:6px}.amount-display{font-size:38px;font-weight:800;color:var(--color-green-800);margin-bottom:16px}.slider{width:100%;height:6px;border-radius:999px;background:var(--color-surface-alt);-webkit-appearance:none;-moz-appearance:none;appearance:none;outline:none}.slider::-webkit-slider-thumb{-webkit-appearance:none;-moz-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;background:var(--color-green-800);border:3px solid #fff;box-shadow:0 1px 4px #00000040;cursor:pointer}.slider::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--color-green-800);border:3px solid #fff;cursor:pointer}.slider-range-labels{display:flex;justify-content:space-between;margin-top:8px;font-size:12px;color:var(--color-muted)}.preset-row{display:flex;gap:8px;margin-top:18px}.preset-chip{flex:1;padding:10px 0;text-align:center;border-radius:var(--radius-sm);border:1px solid var(--color-border);background:var(--color-surface);font-size:13px;font-weight:600;color:var(--color-ink-soft)}.preset-chip.active{background:var(--color-green-800);border-color:var(--color-green-800);color:#fff}.summary-card{margin:16px 20px}.summary-row{display:flex;justify-content:space-between;padding:10px 0;font-size:14px;border-bottom:1px solid var(--color-border)}.summary-row:last-child{border-bottom:none}.summary-row .summary-label{color:var(--color-ink-soft)}.summary-row .summary-value{font-weight:600}.summary-row.highlight{margin-top:4px;padding-top:14px;border-top:2px solid var(--color-border);font-size:16px}.summary-row.highlight .summary-value{color:var(--color-green-800);font-weight:800}.flow-footer{padding:8px 20px 32px}.loading-overlay{position:fixed;top:0;right:0;bottom:0;left:0;background:#0f3d23eb;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;z-index:100}.loading-spinner{width:48px;height:48px;border:4px solid rgba(255,255,255,.25);border-top-color:#fff;border-radius:50%;animation:spin .9s linear infinite;margin-bottom:20px}.loading-text{font-size:17px;font-weight:700}.loading-subtext{font-size:13px;opacity:.75;margin-top:6px}@keyframes spin{to{transform:rotate(360deg)}}.success-screen{min-height:100vh;min-height:100dvh;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:40px 24px;text-align:center}.success-icon{width:84px;height:84px;border-radius:50%;background:var(--color-green-100);color:var(--color-green-800);font-size:40px;display:flex;align-items:center;justify-content:center;margin-bottom:24px}.success-title{font-size:24px;font-weight:800;margin-bottom:10px}.success-amount{font-size:40px;font-weight:800;color:var(--color-green-800);margin-bottom:4px}.success-sub{color:var(--color-ink-soft);font-size:15px;margin-bottom:28px}.success-details{width:100%;background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);padding:20px;margin-bottom:28px;text-align:left}.success-detail-row{display:flex;justify-content:space-between;padding:10px 0;font-size:14px;border-bottom:1px solid var(--color-border)}.success-detail-row:last-child{border-bottom:none}.success-detail-label{color:var(--color-ink-soft)}.success-detail-value{font-weight:600}.splash-screen{min-height:100vh;min-height:100dvh;display:flex;flex-direction:column;align-items:center;justify-content:center;background:linear-gradient(150deg,var(--color-green-700) 0%,var(--color-green-800) 55%,var(--color-green-900) 100%);color:#fff}.splash-logo{width:108px;height:108px;background:#ffffff26;border-radius:28px;display:flex;align-items:center;justify-content:center;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.2);margin-bottom:24px;animation:pulse 2s ease-in-out infinite}.splash-logo i{font-size:44px}.splash-title{font-size:28px;font-weight:800;margin-bottom:6px}.splash-subtitle{font-size:14px;opacity:.85}.splash-loader{width:36px;height:36px;border:3px solid rgba(255,255,255,.25);border-top-color:#fff;border-radius:50%;animation:spin 1s linear infinite;margin-top:36px}@keyframes pulse{0%,to{transform:scale(1)}50%{transform:scale(1.05)}}.bottom-nav{position:fixed;bottom:0;left:50%;transform:translate(-50%);width:100%;max-width:430px;background:var(--color-surface);border-top:1px solid var(--color-border);display:flex;padding:10px 12px calc(10px + env(safe-area-inset-bottom));z-index:20}.nav-item{flex:1;display:flex;flex-direction:column;align-items:center;gap:4px;padding:6px 0;color:var(--color-muted);font-size:11px;font-weight:600;border:none;background:transparent}.nav-item i{font-size:18px}.nav-item.active{color:var(--color-green-800)}.toast{position:fixed;bottom:96px;left:50%;transform:translate(-50%,12px);background:var(--color-ink);color:#fff;padding:12px 20px;border-radius:999px;font-size:13.5px;font-weight:500;opacity:0;pointer-events:none;transition:opacity .25s ease,transform .25s ease;z-index:200;max-width:90%;text-align:center;box-shadow:0 8px 24px #00000040}.toast.show{opacity:1;transform:translate(-50%)}.error-boundary{min-height:100vh;min-height:100dvh;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:40px 24px;max-width:430px;margin:0 auto}.error-boundary-icon{width:64px;height:64px;border-radius:18px;background:var(--color-danger-bg);color:var(--color-danger);font-size:26px;display:flex;align-items:center;justify-content:center;margin-bottom:20px}.error-boundary h1{font-size:20px;margin-bottom:8px}.error-boundary p{color:var(--color-ink-soft);font-size:14px;margin-bottom:24px}.mt-24{margin-top:24px}.px-20{padding-left:20px;padding-right:20px}.text-center{text-align:center}.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}