:root{
  color-scheme:light dark;
  --bg:#f5f7fb;--surface:#ffffff;--surface-2:#f8fafc;--text:#111827;--muted:#64748b;--line:#e2e8f0;
  --brand:#0f172a;--brand-2:#1e293b;--brand-ink:#ffffff;--success:#166534;--success-bg:#dcfce7;
  --warning:#92400e;--warning-bg:#fef3c7;--danger:#b91c1c;--danger-bg:#fee2e2;--focus:#2563eb;
  --radius:18px;--radius-sm:12px;--shadow:0 8px 30px rgba(15,23,42,.08);--nav-h:76px;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#08111f;--surface:#0f172a;--surface-2:#111c2d;--text:#f8fafc;--muted:#94a3b8;--line:#26354a;--brand:#e2e8f0;--brand-2:#cbd5e1;--brand-ink:#0f172a;--shadow:0 8px 30px rgba(0,0,0,.22);--success:#86efac;--success-bg:#12351f;--warning:#fbbf24;--warning-bg:#392b0c;--danger:#fca5a5;--danger-bg:#3c1518}}
:root[data-theme="dark"]{--bg:#08111f;--surface:#0f172a;--surface-2:#111c2d;--text:#f8fafc;--muted:#94a3b8;--line:#26354a;--brand:#e2e8f0;--brand-2:#cbd5e1;--brand-ink:#0f172a;--shadow:0 8px 30px rgba(0,0,0,.22);--success:#86efac;--success-bg:#12351f;--warning:#fbbf24;--warning-bg:#392b0c;--danger:#fca5a5;--danger-bg:#3c1518}
:root[data-font="large"]{font-size:18px}
:root[data-contrast="high"]{--muted:var(--text);--line:currentColor;--shadow:none}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);min-height:100vh;line-height:1.45;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}button,input,select,textarea{font:inherit}button{cursor:pointer}button:disabled{opacity:.55;cursor:not-allowed}a{color:inherit}.hidden{display:none!important}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip-link{position:fixed;top:8px;left:8px;z-index:200;background:#fff;color:#000;padding:10px 14px;border-radius:8px;transform:translateY(-150%)}.skip-link:focus{transform:none}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}.app{min-height:100vh}.topbar{position:sticky;top:0;z-index:50;height:68px;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px max(16px,env(safe-area-inset-left));background:color-mix(in srgb,var(--surface) 94%,transparent);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}.brand-row{display:flex;align-items:center;gap:10px;min-width:0}.brand-row>div:last-child{display:grid;min-width:0}.brand-row strong{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.brand-mark{width:58px;height:58px;border-radius:18px;display:grid;place-items:center;background:var(--brand);color:var(--brand-ink);font-weight:900;letter-spacing:-.04em}.brand-mark.small{width:40px;height:40px;border-radius:12px;font-size:.9rem}.header-actions{display:flex;gap:8px;align-items:center}main{width:min(1180px,100%);margin:0 auto;padding:28px 20px calc(var(--nav-h) + 28px)}.view{display:none}.view.active{display:block}.section-head{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:18px}.section-head h2{font-size:clamp(1.55rem,4vw,2rem);line-height:1.1;margin:3px 0 5px;letter-spacing:-.035em}.section-head p{margin:0}.eyebrow{font-size:.74rem;font-weight:850;letter-spacing:.12em;color:var(--muted)}.muted{color:var(--muted)}.tiny{font-size:.78rem}.help{font-size:.82rem;color:var(--muted);margin:.25rem 0 0}.wide{width:100%}
.btn{min-height:44px;border:1px solid transparent;border-radius:12px;padding:10px 14px;font-weight:780;display:inline-flex;align-items:center;justify-content:center;gap:8px;transition:transform .12s ease,background .12s ease,border-color .12s ease}.btn:active{transform:scale(.98)}.btn.primary{background:var(--brand);color:var(--brand-ink)}.btn.ghost{background:var(--surface);color:var(--text);border-color:var(--line)}.btn.link{min-height:auto;padding:7px 8px;background:transparent;color:var(--text);border:0}.btn.compact{padding:8px 11px}.btn.danger{background:var(--danger-bg);color:var(--danger);border-color:color-mix(in srgb,var(--danger) 35%,transparent)}
.stats-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px;margin-bottom:18px}.stat-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px;min-height:118px;box-shadow:var(--shadow);display:flex;flex-direction:column;justify-content:space-between}.stat-card .label{font-size:.82rem;color:var(--muted);font-weight:760}.stat-card .value{font-size:clamp(1.2rem,2vw,1.7rem);font-weight:900;letter-spacing:-.045em;margin:6px 0}.stat-card .sub{font-size:.75rem;color:var(--muted)}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:17px;box-shadow:var(--shadow);margin-bottom:14px}.panel-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:12px}.panel-head h3{margin:0;font-size:1rem}.panel-head p{margin:3px 0 0}.emphasis-danger{border-color:color-mix(in srgb,var(--danger) 25%,var(--line))}.legal-panel{border-style:dashed}.danger-panel{border-color:color-mix(in srgb,var(--danger) 28%,var(--line))}
.stack-list{display:grid;gap:8px}.list-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px;border-radius:13px;background:var(--surface-2);border:1px solid color-mix(in srgb,var(--line) 75%,transparent)}.list-row.compact{padding:10px 11px}.list-main{min-width:0;display:grid;gap:2px}.list-main strong,.list-main span{white-space:normal;overflow-wrap:anywhere}.meta{font-size:.8rem;color:var(--muted)}.money{font-variant-numeric:tabular-nums}.badge{display:inline-flex;align-items:center;justify-content:center;min-height:28px;border-radius:999px;padding:4px 9px;font-size:.73rem;font-weight:820;background:var(--surface-2);border:1px solid var(--line);white-space:nowrap}.badge.ok{background:var(--success-bg);color:var(--success);border-color:transparent}.badge.warn{background:var(--warning-bg);color:var(--warning);border-color:transparent}.badge.danger{background:var(--danger-bg);color:var(--danger);border-color:transparent}.badge.neutral{background:var(--surface-2);color:var(--muted)}
.toolbar{display:flex;gap:10px;margin-bottom:14px;align-items:center}.toolbar input{flex:1}.toolbar select{min-width:150px}.report-toolbar{justify-content:flex-end}.report-toolbar label{font-weight:750;color:var(--muted);font-size:.84rem}.cards-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px;box-shadow:var(--shadow);display:grid;gap:14px}.card-top{display:flex;justify-content:space-between;gap:10px;align-items:flex-start}.card h3{margin:0;font-size:1rem}.card .card-sub{margin:3px 0 0;font-size:.82rem;color:var(--muted)}.loan-summary{display:grid;grid-template-columns:1fr 1fr;gap:8px}.summary-cell{background:var(--surface-2);padding:10px;border-radius:11px}.slabel{display:block;font-size:.72rem;color:var(--muted);font-weight:700}.svalue{display:block;font-weight:850;margin-top:2px;overflow-wrap:anywhere}.card-actions,.button-row{display:flex;flex-wrap:wrap;gap:8px}.card-actions .btn{flex:1}.empty-state{text-align:center;padding:34px 16px}.empty-state strong{display:block;margin-bottom:4px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.form-grid label,.stack-form label,.dialog-card label{display:grid;gap:6px;font-size:.84rem;font-weight:760}.form-grid input,.form-grid select,.form-grid textarea,.stack-form input,.dialog-card input,.dialog-card select,.dialog-card textarea,.toolbar input,.toolbar select{width:100%;min-height:48px;border:1px solid var(--line);border-radius:12px;background:var(--surface-2);color:var(--text);padding:10px 12px}.form-grid textarea,.dialog-card textarea{resize:vertical;min-height:86px}.span-2{grid-column:1/-1}.form-actions{display:flex;justify-content:flex-end;gap:8px;margin-top:4px}.schedule-preview{border:1px dashed var(--line);border-radius:14px;padding:14px;background:var(--surface-2)}.toggle-line{display:flex!important;grid-template-columns:auto 1fr!important;align-items:center;gap:10px!important}.toggle-line input{width:22px;height:22px;min-height:0}.table-wrap{overflow:auto;-webkit-overflow-scrolling:touch;border-radius:12px}table{width:100%;border-collapse:collapse;min-width:560px}th,td{text-align:left;padding:11px 10px;border-bottom:1px solid var(--line);font-size:.82rem;vertical-align:top}th{color:var(--muted);font-size:.74rem;text-transform:uppercase;letter-spacing:.045em}td:last-child,th:last-child{text-align:right}
.kpi-row{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px;margin-bottom:14px}.mini-kpi{background:var(--surface);border:1px solid var(--line);border-radius:15px;padding:13px;box-shadow:var(--shadow)}.mini-kpi .l{display:block;color:var(--muted);font-size:.73rem;font-weight:720}.mini-kpi .v{display:block;font-weight:900;font-size:1.05rem;margin-top:3px}.detail-grid{display:grid;grid-template-columns:minmax(0,1.6fr) minmax(280px,.8fr);gap:14px}.installment-row{display:grid;grid-template-columns:65px 1fr 1fr auto;gap:10px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}.installment-row:last-child{border-bottom:0}.inst-meta{font-size:.76rem;color:var(--muted);margin-top:2px}.installment-row .btn{min-width:92px}.loan-actions{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:14px}.loan-actions .btn{flex:0 0 auto}.progress{height:9px;background:var(--surface-2);border-radius:999px;overflow:hidden;border:1px solid var(--line)}.progress>span{display:block;height:100%;background:var(--brand);width:0}.progress-label{display:flex;justify-content:space-between;gap:12px;margin-top:6px;font-size:.75rem;color:var(--muted)}
.bottom-nav{position:fixed;z-index:60;left:50%;bottom:max(10px,env(safe-area-inset-bottom));transform:translateX(-50%);width:min(680px,calc(100% - 20px));height:var(--nav-h);padding:7px;display:grid;grid-template-columns:repeat(5,1fr);gap:4px;background:color-mix(in srgb,var(--surface) 94%,transparent);border:1px solid var(--line);border-radius:20px;box-shadow:0 16px 40px rgba(15,23,42,.18);backdrop-filter:blur(18px)}.nav-btn{border:0;background:transparent;color:var(--muted);border-radius:14px;min-width:0;min-height:58px;display:grid;place-items:center;align-content:center;gap:1px;font-weight:800}.nav-btn span{font-size:1rem}.nav-btn small{font-size:.68rem}.nav-btn.active{background:var(--brand);color:var(--brand-ink)}
.lock-screen{position:fixed;inset:0;z-index:100;background:radial-gradient(circle at 50% 0%,color-mix(in srgb,var(--brand) 18%,var(--bg)),var(--bg) 48%);display:grid;place-items:center;padding:20px}.lock-card{width:min(420px,100%);background:var(--surface);border:1px solid var(--line);border-radius:28px;padding:28px;box-shadow:var(--shadow)}.lock-card .brand-mark{margin-bottom:18px}.lock-card h1{margin:0 0 6px;font-size:1.8rem}.lock-card>p{margin:0 0 18px;color:var(--muted)}.stack-form{display:grid;gap:10px}dialog{width:min(520px,calc(100% - 24px));border:1px solid var(--line);border-radius:22px;padding:0;background:var(--surface);color:var(--text);box-shadow:0 24px 80px rgba(0,0,0,.34)}dialog::backdrop{background:rgba(2,6,23,.68);backdrop-filter:blur(3px)}.dialog-card{padding:20px;display:grid;gap:12px}.dialog-card h3{margin:0}.dialog-card p{margin:0}.dialog-actions{display:flex;justify-content:flex-end;gap:8px;margin-top:4px}.toast{position:fixed;z-index:120;left:50%;bottom:calc(var(--nav-h) + 26px);transform:translate(-50%,18px);opacity:0;pointer-events:none;max-width:calc(100% - 30px);background:var(--brand);color:var(--brand-ink);border-radius:12px;padding:11px 15px;font-weight:800;box-shadow:var(--shadow);transition:.18s ease}.toast.show{transform:translate(-50%,0);opacity:1}.file-label{position:relative;cursor:pointer}.print-area{display:none}
@media(max-width:980px){.stats-grid{grid-template-columns:repeat(3,1fr)}.cards-grid{grid-template-columns:repeat(2,1fr)}.kpi-row{grid-template-columns:repeat(3,1fr)}.detail-grid{grid-template-columns:1fr}}
@media(max-width:700px){:root{--radius:16px;--nav-h:70px}.topbar{height:62px;padding:8px 12px}.header-actions .ghost{display:none}.header-actions .btn{min-height:42px}.brand-mark.small{width:38px;height:38px}main{padding:20px 13px calc(var(--nav-h) + 24px)}.section-head{align-items:flex-end}.desktop-action{display:none}.stats-grid{grid-template-columns:repeat(2,1fr);gap:9px}.stat-card{min-height:104px;padding:13px}.grid-2,.cards-grid,.form-grid{grid-template-columns:1fr}.span-2{grid-column:auto}.toolbar{display:grid;grid-template-columns:1fr}.toolbar select{min-width:0}.report-toolbar{justify-content:stretch}.loan-summary{grid-template-columns:1fr 1fr}.kpi-row{grid-template-columns:repeat(2,1fr)}.installment-row{grid-template-columns:48px 1fr auto}.installment-row .inst-paid{display:none}.installment-row .btn{min-width:80px}.bottom-nav{bottom:max(6px,env(safe-area-inset-bottom));width:calc(100% - 12px);border-radius:18px}.nav-btn small{font-size:.64rem}.panel{padding:14px}.card{padding:14px}.dialog-card{padding:17px}.button-row>.btn,.button-row>.file-label{flex:1 1 100%}.form-actions .btn{flex:1}.lock-card{padding:22px}.section-head .btn{flex:0 0 auto}}
@media(max-width:390px){.header-actions .primary{font-size:0;padding:9px}.header-actions .primary::after{content:"+";font-size:1.2rem}.stats-grid{grid-template-columns:1fr 1fr}.stat-card .value{font-size:1.08rem}.section-head h2{font-size:1.45rem}.card-actions .btn{flex-basis:100%}.kpi-row{grid-template-columns:1fr 1fr}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}
@media print{body{background:#fff;color:#000}.app,.lock-screen,.toast,dialog{display:none!important}.print-area{display:block!important;padding:20px;color:#000}.print-receipt{max-width:720px;margin:0 auto}.print-receipt h1{font-size:24px;margin-bottom:6px}.print-receipt table{min-width:0}.print-receipt .signature{margin-top:60px;border-top:1px solid #000;padding-top:8px;text-align:center}}
.date-edit{display:block;margin:2px 0 0;padding:0;border:0;background:transparent;color:var(--muted);font-size:.76rem;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:3px;min-height:24px}
.onboarding{background:var(--surface-2);border-style:dashed}.onboarding-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:12px 0}.onboarding-steps>div{display:flex;align-items:center;gap:9px;padding:10px;border-radius:12px;background:var(--surface)}.onboarding-steps span{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:var(--brand-ink);font-weight:900;flex:0 0 auto}.onboarding-steps strong{font-size:.82rem}@media(max-width:700px){.onboarding-steps{grid-template-columns:1fr}.onboarding .btn{width:100%}}

/* Mobile safe-area + compact reminders v2.3 */
.topbar{height:auto;min-height:calc(68px + env(safe-area-inset-top));padding-top:calc(10px + env(safe-area-inset-top));padding-right:max(16px,env(safe-area-inset-right));padding-left:max(16px,env(safe-area-inset-left))}
.lock-screen{padding-top:max(20px,env(safe-area-inset-top));padding-right:max(20px,env(safe-area-inset-right));padding-bottom:max(20px,env(safe-area-inset-bottom));padding-left:max(20px,env(safe-area-inset-left))}
.due-reminder-bar{display:flex;align-items:center;gap:10px;margin:0 0 12px;padding:11px 13px;border:1px solid var(--line);border-radius:14px;background:var(--surface);box-shadow:var(--shadow);font-size:.84rem}
.due-reminder-bar>span{width:28px;height:28px;display:grid;place-items:center;border-radius:50%;background:var(--warning-bg);color:var(--warning);font-weight:900;flex:0 0 auto}.due-now{color:var(--danger)}.due-soon{color:var(--warning)}.reminder-sep{color:var(--muted)}
.card-sub+.badge{margin-top:7px}.compact-client-form{max-width:720px;margin-inline:auto}
@media(max-width:700px){.topbar{min-height:calc(58px + env(safe-area-inset-top));padding-top:calc(7px + env(safe-area-inset-top));padding-right:max(10px,env(safe-area-inset-right));padding-left:max(10px,env(safe-area-inset-left));padding-bottom:7px}.brand-mark.small{width:34px;height:34px}.header-actions{gap:5px}.header-actions .btn{min-height:38px;padding:7px 9px}main{padding:14px max(10px,env(safe-area-inset-right)) calc(var(--nav-h) + 18px + env(safe-area-inset-bottom)) max(10px,env(safe-area-inset-left))}.section-head{margin-bottom:12px;gap:10px}.section-head h2{margin-top:1px}.stats-grid{margin-bottom:12px}.stat-card{min-height:92px;padding:11px}.stat-card .sub{font-size:.7rem}.panel{padding:12px;margin-bottom:10px}.card{padding:12px;gap:10px}.list-row{padding:10px}.due-reminder-bar{margin-bottom:10px;padding:9px 10px}.reminder-sep{display:none}.due-reminder-bar strong{display:block}.compact-client-form{padding:14px}.compact-client-form .form-actions{margin-top:0}}

/* Mobile status-bar hard fallback: works even when env(safe-area-inset-top)=0 */
@media(max-width:700px){
  body{padding-top:0}
  .topbar{height:auto;min-height:62px;padding-top:max(28px,env(safe-area-inset-top));padding-right:max(12px,env(safe-area-inset-right));padding-bottom:8px;padding-left:max(12px,env(safe-area-inset-left));}
  .lock-screen{padding-top:max(32px,env(safe-area-inset-top));padding-right:max(16px,env(safe-area-inset-right));padding-bottom:max(20px,env(safe-area-inset-bottom));padding-left:max(16px,env(safe-area-inset-left));}
  main{padding-top:14px}
  .section-head{margin-bottom:12px}
  .stats-grid{margin-bottom:12px}
  .stat-card{min-height:90px;padding:11px}
  .panel{margin-bottom:10px}
}
.mobile-safe-fallback{display:block}

.pin-input{text-align:center;font-size:1.45rem;font-weight:900;letter-spacing:.42em;font-variant-numeric:tabular-nums;padding-left:calc(12px + .42em)}
.loan-summary{grid-template-columns:repeat(2,minmax(0,1fr))}
.mini-chart{display:grid;gap:10px}.chart-row{display:grid;grid-template-columns:minmax(110px,.9fr) minmax(120px,2fr) auto;gap:10px;align-items:center}.chart-row>span{font-size:.78rem;color:var(--muted)}.chart-row>strong{font-size:.78rem}.chart-track{height:12px;border-radius:999px;background:var(--surface-2);overflow:hidden;border:1px solid var(--line)}.chart-track i{display:block;height:100%;background:var(--brand);border-radius:inherit}.chart-grid{align-items:stretch}@media(max-width:700px){.chart-row{grid-template-columns:1fr auto}.chart-track{grid-column:1/-1}.loan-summary{grid-template-columns:1fr 1fr}}

/* Mobile UX hardening v2.10.0 */
@media(max-width:700px){
html,body{max-width:100%;overflow-x:hidden}
.app,.view,.panel,.card,.stat-card,.mini-kpi,.list-row,.toolbar,.form-grid,.dialog-card{min-width:0;max-width:100%}
.section-head{align-items:flex-start;flex-wrap:wrap}.section-head>div{min-width:0;flex:1 1 220px}
.stats-grid,.kpi-row,.loan-summary{grid-template-columns:1fr 1fr}
.stat-card,.mini-kpi,.summary-cell{overflow:hidden}.stat-card .value,.mini-kpi .v,.svalue{word-break:break-word}
.list-row{align-items:flex-start;flex-wrap:wrap}.card-actions{width:100%}.card-actions .btn{min-width:0}
.installment-row{grid-template-columns:minmax(42px,auto) minmax(0,1fr) auto}.installment-row>div{min-width:0}
.form-grid input,.form-grid select,.form-grid textarea,.toolbar input,.toolbar select{max-width:100%}
table{min-width:0}.table-wrap{overflow:visible}th,td{white-space:normal;overflow-wrap:anywhere}
#paymentsReport table thead{display:none}#paymentsReport table,#paymentsReport tbody,#paymentsReport tr,#paymentsReport td{display:block;width:100%}
#paymentsReport tr{padding:10px;border:1px solid var(--line);border-radius:12px;background:var(--surface-2);margin-bottom:8px}
#paymentsReport td{border:0;padding:3px 0;text-align:left}#paymentsReport td:last-child{text-align:left;font-weight:900}
.bottom-nav{grid-template-columns:repeat(5,minmax(0,1fr))}.nav-btn{overflow:hidden}.nav-btn small{white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:100%}
}
@media(max-width:360px){.stats-grid,.kpi-row,.loan-summary{grid-template-columns:1fr}.brand-row #ownerLabel{display:none}.bottom-nav{height:66px}.nav-btn{min-height:52px}.nav-btn small{font-size:.59rem}}

/* definitive-mobile-nav-2.10.7 */
.nav-btn svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;display:block}
@media(max-width:700px){.bottom-nav{height:72px;bottom:max(8px,env(safe-area-inset-bottom));padding:6px;gap:3px}.nav-btn{min-height:58px;padding:4px 2px;gap:2px;overflow:visible}.nav-btn small{font-size:.61rem;line-height:1.05;white-space:normal;text-align:center;overflow:visible;text-overflow:clip;max-width:100%}.nav-btn svg{width:21px;height:21px}main{padding-bottom:calc(96px + env(safe-area-inset-bottom))}}