:root {
  --bg: #f4f6fa; --card: #ffffff; --text: #1a2233; --muted: #64748b;
  --accent: #1d4ed8; --accent-soft: #dbeafe; --border: #e2e8f0;
  --good: #059669; --warn: #d97706; --err: #dc2626;
}
[data-theme="dark"] {
  --bg: #0f1523; --card: #1a2233; --text: #e7ecf5; --muted: #8fa0b8;
  --accent: #60a5fa; --accent-soft: #1e3a8a; --border: #2b3548;
}
* { box-sizing: border-box; margin: 0; }
body { background: var(--bg); color: var(--text); font: 15px/1.5 -apple-system, "Segoe UI", Roboto, sans-serif; }
.hidden { display: none !important; }
.muted { color: var(--muted); }
.err { color: var(--err); }

.login-wrap { min-height: 100vh; display: flex; align-items: center; justify-content: center; }
.login-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 40px; width: 340px; text-align: center; box-shadow: 0 10px 40px rgba(0,0,0,.08); }
.login-card .logo { font-size: 40px; }
.login-card h1 { margin: 8px 0 4px; font-size: 22px; }
.login-card input { width: 100%; margin-top: 12px; padding: 10px 12px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); color: var(--text); }
.login-card button { width: 100%; margin-top: 16px; }

header { display: flex; align-items: center; gap: 16px; padding: 10px 20px; background: var(--card); border-bottom: 1px solid var(--border); flex-wrap: wrap; position: sticky; top: 0; z-index: 5; }
.brand { font-weight: 700; font-size: 17px; }
nav { display: flex; gap: 4px; flex-wrap: wrap; }
nav button { border: 0; background: transparent; color: var(--muted); padding: 8px 12px; border-radius: 8px; cursor: pointer; font-size: 14px; }
nav button.active { background: var(--accent-soft); color: var(--accent); font-weight: 600; }
.header-right { margin-left: auto; display: flex; align-items: center; gap: 8px; }

button.primary { background: var(--accent); color: #fff; border: 0; padding: 10px 18px; border-radius: 8px; cursor: pointer; font-size: 15px; font-weight: 600; }
button.ghost { background: transparent; border: 1px solid var(--border); color: var(--text); padding: 6px 10px; border-radius: 8px; cursor: pointer; }

main { max-width: 1100px; margin: 0 auto; padding: 24px 16px 60px; }
h2 { margin-bottom: 4px; }
.card { background: var(--card); border: 1px solid var(--border); border-radius: 14px; padding: 18px; margin-top: 16px; }

.kpi-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 12px; margin-top: 16px; }
.kpi { background: var(--card); border: 1px solid var(--border); border-radius: 14px; padding: 16px; }
.kpi .label { font-size: 12px; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); }
.kpi .value { font-size: 22px; font-weight: 700; margin-top: 4px; }
.kpi .sub { font-size: 12px; color: var(--muted); margin-top: 2px; }
.kpi.hero { grid-column: 1 / -1; background: linear-gradient(120deg, var(--accent), #7c3aed); color: #fff; border: 0; }
.kpi.hero .label, .kpi.hero .sub { color: rgba(255,255,255,.8); }
.kpi.hero .value { font-size: 34px; }

.chart-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.chart-card canvas { max-height: 260px; }
@media (max-width: 800px) { .chart-row { grid-template-columns: 1fr; } }

.table-wrap { overflow-x: auto; padding: 0; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th, td { padding: 9px 12px; border-bottom: 1px solid var(--border); text-align: left; white-space: nowrap; }
th.num, td.num { text-align: right; font-variant-numeric: tabular-nums; }
thead th { position: sticky; top: 0; background: var(--card); font-size: 12px; text-transform: uppercase; letter-spacing: .04em; color: var(--muted); }
tr.t-credit td { color: var(--warn); }
tr.t-interest td { color: var(--muted); font-size: 13px; }
tr.t-extra td { color: var(--good); font-weight: 600; }

.form-card { max-width: 420px; display: flex; flex-direction: column; gap: 6px; }
.form-card label { font-size: 13px; color: var(--muted); margin-top: 8px; }
.form-card input, .form-card select { padding: 9px 12px; border: 1px solid var(--border); border-radius: 8px; background: var(--bg); color: var(--text); }
.form-card button { margin-top: 14px; }

.progress-outer { height: 14px; background: var(--bg); border-radius: 7px; overflow: hidden; border: 1px solid var(--border); }
.progress-inner { height: 100%; background: linear-gradient(90deg, var(--good), #34d399); width: 0; transition: width .6s; }

.timeline { margin-top: 16px; border-left: 3px solid var(--accent); padding-left: 20px; }
.timeline .tl-item { position: relative; padding: 10px 0 18px; }
.timeline .tl-item::before { content: ""; position: absolute; left: -27px; top: 16px; width: 11px; height: 11px; border-radius: 50%; background: var(--accent); }
.timeline .tl-date { font-size: 12px; color: var(--muted); }
.timeline .tl-title { font-weight: 600; }