:root{--bg:#0f1117;--card:#181c24;--muted:#9aa3b2;--text:#eef2f8;--gold:#d6b66a;--line:rgba(255,255,255,.08);--danger:#ff6b6b;--ok:#7cd992}
*{box-sizing:border-box}body{margin:0;font:14px/1.45 Inter,system-ui,Segoe UI,Arial,sans-serif;background:radial-gradient(circle at top,#1a2130,#0f1117 55%);color:var(--text)}.grain:before{content:"";position:fixed;inset:0;background-image:radial-gradient(rgba(255,255,255,.03) 1px,transparent 1px);background-size:6px 6px;pointer-events:none;opacity:.15}.app-shell,.login-shell{max-width:1380px;margin:0 auto;padding:22px}.login-shell{min-height:100vh;display:grid;place-items:center}.login-card{width:min(420px,100%)}.card{background:rgba(24,28,36,.88);backdrop-filter:blur(14px);border:1px solid var(--line);border-radius:22px;box-shadow:0 18px 40px rgba(0,0,0,.22)}.hero{display:flex;justify-content:space-between;gap:16px;align-items:flex-start;padding:18px 20px;margin-bottom:18px}.hero-brand{display:flex;gap:14px;align-items:center}.brand-logo{display:block;height:auto;object-fit:contain;flex:0 0 auto}.brand-logo-header{width:min(28vw,260px);max-width:260px;min-width:140px;filter:drop-shadow(0 8px 28px rgba(0,0,0,.42))}.brand-logo-login{width:min(72vw,320px);max-width:320px;margin:0 auto 10px;filter:drop-shadow(0 10px 34px rgba(0,0,0,.46))}.logo-mark{display:none}.hero h1{margin:0 0 4px;font-size:28px}.hero p{margin:0;color:var(--muted)}.hero-actions{display:flex;gap:10px;flex-wrap:wrap;align-items:center}.btn{appearance:none;border:1px solid var(--line);background:#212735;color:var(--text);padding:10px 14px;border-radius:12px;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px}.btn.small{padding:7px 10px;font-size:12px}.btn.gold{background:linear-gradient(135deg,#f0d79b,#be9950);color:#111;border-color:#c59b44;font-weight:700}.btn.danger{background:#402126;border-color:#733}.user-pill,.pill,.status-dot{padding:8px 10px;border-radius:999px;border:1px solid var(--line);background:#202534;font-size:12px}.metrics-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:12px;margin-bottom:18px}.metric-card{padding:14px}.metric-card .label{color:var(--muted);font-size:12px}.metric-card .value{font-size:28px;font-weight:800}.layout-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:18px}.main-card{padding:18px}.side-stack{display:none}.side-card{padding:16px}.tabs{display:flex;gap:10px;margin-bottom:16px;flex-wrap:wrap}.tab{padding:10px 14px;border-radius:999px;border:1px solid var(--line);background:#212735;color:var(--text);cursor:pointer}.tab.is-active{background:#2c3447;border-color:#50617f}.tab-panel{display:none}.tab-panel.is-active{display:block}.section-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin:18px 0 10px}.section-head h2{margin:0;font-size:18px}.grid{display:grid;gap:12px}.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.field{display:grid;gap:6px}.field span{color:var(--muted);font-size:12px}.field input,.field textarea,.field select,.search-input{width:100%;padding:11px 12px;border-radius:12px;border:1px solid var(--line);background:#111520;color:var(--text)}.checkbox-row{grid-template-columns:1fr auto;align-items:center;padding:11px 12px;border:1px solid var(--line);border-radius:12px;background:#111520}.sample-rows,.loan-list{display:grid;gap:12px}.sample-row{padding:12px;border:1px solid var(--line);border-radius:16px;background:#121723}.toolbar-row{display:flex;gap:10px;margin-bottom:12px}.stacked-mobile{flex-wrap:wrap}.signature-wrap{display:grid;gap:12px}.signature-card{padding:12px;border-radius:16px;border:1px solid var(--line);background:#111520}.signature-card canvas{width:100%;height:220px;background:#fff;border-radius:12px;touch-action:none}.signature-actions{display:flex;justify-content:flex-end;margin-top:10px}.form-actions{display:flex;gap:12px;align-items:center;margin-top:16px}.sticky-actions{position:sticky;bottom:12px;padding-top:10px;background:linear-gradient(180deg,rgba(15,17,23,0),rgba(15,17,23,.9) 35%)}.result-note{color:var(--muted)}.loan-card{padding:14px;border:1px solid var(--line);border-radius:18px;background:#121723}.loan-top{display:flex;justify-content:space-between;gap:12px;align-items:flex-start;flex-wrap:wrap}.loan-meta{display:grid;gap:4px}.loan-items{margin-top:10px;display:grid;gap:8px}.item-chip{display:flex;justify-content:space-between;gap:10px;padding:10px;border-radius:12px;background:#0f1420;border:1px solid var(--line);flex-wrap:wrap}.actions-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}.muted{color:var(--muted)}.tiny{font-size:12px}.clean-list{margin:0;padding-left:18px}.alert{padding:12px;border-radius:12px}.alert.error{background:#3a2023;border:1px solid #6a3539;color:#ffd8d8}.title-xl{font-size:24px;font-weight:800}.return-grid{display:grid;gap:8px;margin-top:10px}.return-row{display:grid;grid-template-columns:1.4fr .9fr 1fr;gap:8px;align-items:start}.return-row textarea,.return-row select{min-height:42px}.mobile-note{display:none}
@media (max-width: 980px){.layout-grid{grid-template-columns:1fr}.cols-3,.cols-2{grid-template-columns:1fr}.hero{flex-direction:column}.return-row{grid-template-columns:1fr}.mobile-note{display:block}}

.brand-logo-header{max-width:220px}.brand-logo-login{max-width:260px}
@media (max-width:760px){.hero-brand{align-items:flex-start;flex-direction:column}.hero h1{font-size:24px}}

.delete-panel{margin-top:12px;padding:14px;border:1px solid rgba(214,182,106,.22);border-radius:16px;background:linear-gradient(180deg,rgba(88,24,24,.18),rgba(18,23,35,.92));box-shadow:inset 0 1px 0 rgba(255,255,255,.04)}
.delete-grid{align-items:start}.delete-actions{justify-content:flex-end}.btn.danger{background:linear-gradient(135deg,#552129,#3a151a);border-color:#8d4a53;color:#ffe9ea}
@media (max-width: 900px){.delete-grid{grid-template-columns:1fr!important}}



/* === Metric bar luxury morphing upgrade v2 === */
.metrics-grid{
  grid-template-columns:repeat(auto-fit,minmax(172px,1fr));
  gap:14px;
  margin-bottom:22px;
}
.metric-card{
  position:relative;
  overflow:hidden;
  isolation:isolate;
  min-height:112px;
  padding:16px 16px 18px;
  border-radius:24px;
  background:
    linear-gradient(180deg, rgba(255,255,255,.095), rgba(255,255,255,.028) 24%, rgba(9,13,21,.92) 100%),
    linear-gradient(145deg, rgba(255,255,255,.045), rgba(255,255,255,0) 42%),
    radial-gradient(circle at top right, rgba(255,255,255,.075), rgba(255,255,255,0) 32%);
  border:1px solid rgba(255,255,255,.11);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.09),
    inset 0 -18px 32px rgba(0,0,0,.24),
    0 22px 42px rgba(0,0,0,.28),
    0 0 0 1px rgba(255,255,255,.025);
  transition:transform .35s ease, box-shadow .35s ease, border-color .35s ease, background .35s ease;
  --metric-shell-a: rgba(255,255,255,.12);
  --metric-shell-b: rgba(117,148,214,.1);
  --metric-shell-c: rgba(255,255,255,.05);
  --metric-shell-glow: rgba(140,168,230,.08);
  --metric-number: #eef2f8;
  --metric-number-glow: rgba(255,255,255,.18);
}
.metric-card:hover{
  transform:translateY(-4px) scale(1.01);
  border-color:rgba(255,255,255,.17);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.12),
    inset 0 -20px 34px rgba(0,0,0,.24),
    0 26px 52px rgba(0,0,0,.34),
    0 0 0 1px rgba(255,255,255,.04),
    0 0 28px rgba(133,165,226,.08);
}
.metric-card::before,
.metric-card::after,
.metric-rings,
.metric-pip{
  display:none;
}
.metric-aurora{
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(132deg, rgba(255,255,255,.055) 0%, rgba(255,255,255,0) 34%, rgba(255,255,255,.022) 58%, rgba(255,255,255,0) 78%),
    radial-gradient(120% 85% at 12% 112%, rgba(37,58,105,.14) 0%, rgba(37,58,105,0) 58%);
  mix-blend-mode:screen;
  opacity:.68;
}
.metric-topline{
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:10px;
  margin-bottom:10px;
}
.metric-label-wrap{
  display:grid;
  gap:3px;
}
.metric-kicker{
  font-size:10px;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:rgba(233,238,247,.56);
}
.metric-card .label{
  font-size:14px;
  line-height:1.15;
  font-weight:600;
  color:rgba(240,244,252,.92);
}
.metric-value-row{
  display:flex;
  align-items:flex-end;
  justify-content:flex-start;
}
.metric-card .value{
  position:relative;
  display:inline-block;
  font-size:40px;
  line-height:1;
  font-weight:900;
  letter-spacing:-.045em;
  color:transparent;
  background-image:linear-gradient(180deg, var(--metric-number-top) 0%, var(--metric-number-mid) 52%, var(--metric-number-base) 100%);
  -webkit-background-clip:text;
  background-clip:text;
  text-shadow:
    0 1px 0 rgba(255,255,255,.12),
    0 10px 22px rgba(0,0,0,.34),
    0 0 18px var(--metric-number-glow);
  filter:drop-shadow(0 1px 0 rgba(255,255,255,.06));
  transition:transform .32s cubic-bezier(.2,.9,.25,1), filter .32s ease, text-shadow .32s ease;
  will-change:transform, filter;
}
.metric-card:hover .value{
  animation:metricValuePulse .72s cubic-bezier(.18,.84,.28,1.08) both;
  filter:brightness(1.08) saturate(1.08) drop-shadow(0 2px 0 rgba(255,255,255,.08));
  text-shadow:
    0 1px 0 rgba(255,255,255,.14),
    0 12px 28px rgba(0,0,0,.38),
    0 0 26px color-mix(in srgb, var(--metric-number-base) 34%, transparent);
}
.metric-card .value::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-8px;
  height:2px;
  border-radius:999px;
  background:linear-gradient(90deg, rgba(255,255,255,.34), rgba(255,255,255,0));
  opacity:.24;
}
.metric-pip{
  width:12px;
  height:12px;
  border-radius:999px;
  margin-top:2px;
  border:1px solid rgba(255,255,255,.26);
  background:radial-gradient(circle at 30% 30%, rgba(255,255,255,.9), rgba(255,255,255,.18) 38%, rgba(0,0,0,.14) 74%);
  box-shadow:0 0 12px rgba(255,255,255,.08), inset 0 1px 0 rgba(255,255,255,.4);
}
.metric-active{ --metric-number-top:#fff0bc; --metric-number-mid:#f3ce78; --metric-number-base:#c99438; --metric-number-glow:rgba(231,197,124,.28); }
.metric-today{ --metric-number-top:#ffe1b2; --metric-number-mid:#ffb86f; --metric-number-base:#ff8f3e; --metric-number-glow:rgba(255,179,101,.3); }
.metric-soon{ --metric-number-top:#d8f5ff; --metric-number-mid:#88ddff; --metric-number-base:#39b4ff; --metric-number-glow:rgba(126,221,255,.3); }
.metric-overdue{ --metric-number-top:#ffd0dc; --metric-number-mid:#ff8cab; --metric-number-base:#ff5d84; --metric-number-glow:rgba(255,127,154,.32); }
.metric-deposit{ --metric-number-top:#d4fff3; --metric-number-mid:#7ee9ca; --metric-number-base:#2fc49c; --metric-number-glow:rgba(104,224,191,.32); }
.metric-review{ --metric-number-top:#efe2ff; --metric-number-mid:#c29cff; --metric-number-base:#9c63ff; --metric-number-glow:rgba(191,149,255,.34); }
.metric-returned{ --metric-number-top:#e1ffd8; --metric-number-mid:#9aec97; --metric-number-base:#58c85e; --metric-number-glow:rgba(137,229,140,.32); }
@keyframes metricMorph{
  0%{transform:translate3d(0,0,0) scale(1);}
  50%{transform:translate3d(-10px,8px,0) scale(1.08);}
  100%{transform:translate3d(12px,-6px,0) scale(.96);}
}
@keyframes metricMorphAlt{
  0%{transform:translate3d(0,0,0) scale(1);}
  50%{transform:translate3d(8px,-10px,0) scale(.94);}
  100%{transform:translate3d(-12px,8px,0) scale(1.06);}
}
@keyframes metricValuePulse{
  0%{transform:translateY(0) scale(1);}
  36%{transform:translateY(-4px) scale(1.11);}
  68%{transform:translateY(1px) scale(1.05);}
  100%{transform:translateY(0) scale(1.08);}
}
@media (max-width:980px){
  .metrics-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
  .metric-card{min-height:104px;padding:14px 14px 16px}
  .metric-card .value{font-size:34px}
}
@media (max-width:620px){
  .metrics-grid{grid-template-columns:1fr 1fr}
  .metric-kicker{letter-spacing:.12em}
  .metric-card .label{font-size:13px}
}



/* Loan media previews */
.loan-media-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,220px));gap:12px;margin-top:12px;margin-bottom:12px}
.loan-media-card{position:relative;padding:12px;border:1px solid rgba(255,255,255,.08);border-radius:18px;background:linear-gradient(180deg,rgba(255,255,255,.045),rgba(17,22,32,.92));box-shadow:inset 0 1px 0 rgba(255,255,255,.05),0 16px 30px rgba(0,0,0,.18)}
.loan-media-meta{display:grid;gap:2px;margin-bottom:10px}
.loan-media-title{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#dfe7f7}
.loan-media-hint{font-size:11px;color:var(--muted)}
.loan-thumb-shell{position:relative;display:grid;place-items:center;min-height:118px;padding:10px;border-radius:16px;border:1px solid rgba(255,255,255,.07);background:linear-gradient(180deg,rgba(8,11,18,.88),rgba(17,24,36,.76));overflow:hidden}
.loan-thumb-img{display:block;width:100%;height:118px;object-fit:cover;border-radius:12px;border:1px solid rgba(255,255,255,.08);box-shadow:0 18px 32px rgba(0,0,0,.24)}
.loan-thumb-fallback{display:grid;place-items:center;width:100%;height:118px;border-radius:12px;border:1px dashed rgba(255,255,255,.12);background:linear-gradient(180deg,rgba(255,255,255,.035),rgba(255,255,255,.01));font-size:14px;font-weight:800;letter-spacing:.18em;color:#c8d2e7}
.loan-media-btn{margin-top:10px;width:100%}
@media (max-width:700px){.loan-media-strip{grid-template-columns:1fr 1fr}.loan-thumb-img,.loan-thumb-fallback{height:104px}}
@media (max-width:520px){.loan-media-strip{grid-template-columns:1fr}}

/* Communications tab */
.communications-grid{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(300px,.8fr);gap:18px;margin-top:6px}
.communications-shell,.template-editor-shell,.communications-history-wrap,.template-manager-wrap{padding:16px;border:1px solid var(--line);border-radius:20px;background:linear-gradient(180deg,rgba(255,255,255,.03),rgba(18,23,35,.92));box-shadow:inset 0 1px 0 rgba(255,255,255,.04),0 18px 34px rgba(0,0,0,.18)}
.communications-side{display:grid;gap:14px}.card-lite{padding:14px;border-radius:18px;border:1px solid rgba(255,255,255,.08);background:linear-gradient(180deg,rgba(255,255,255,.035),rgba(15,20,30,.92))}
.section-subhead{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#dbe5f6;margin-bottom:10px}
.communication-meta-strip,.token-row,.favorite-templates,.template-filters{display:flex;flex-wrap:wrap;gap:8px}
.meta-pill,.token-chip{padding:8px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.08);background:#0f1420;color:#e8eef9;font-size:12px}
.token-chip{cursor:pointer;transition:transform .2s ease, border-color .2s ease}.token-chip:hover{transform:translateY(-1px);border-color:rgba(214,182,106,.45)}
.comm-preview{min-height:220px;line-height:1.55}.comm-preview-head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start;margin-bottom:12px}.comm-preview-subject{margin-bottom:10px;color:#f3f6fc}.comm-preview-body{padding:12px;border-radius:14px;background:#0e1320;border:1px solid rgba(255,255,255,.06);white-space:normal;word-break:break-word}.comm-counter{margin-top:10px;color:var(--muted);font-size:12px}.favorite-templates .btn{flex:0 0 auto}
.template-manager-wrap,.communications-history-wrap{margin-top:18px}.template-gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:14px}.template-card{padding:14px;border-radius:18px;border:1px solid rgba(255,255,255,.08);background:linear-gradient(180deg,rgba(255,255,255,.035),rgba(14,18,28,.92));box-shadow:inset 0 1px 0 rgba(255,255,255,.04)}.template-card.is-favorite{border-color:rgba(214,182,106,.28);box-shadow:inset 0 1px 0 rgba(255,255,255,.06),0 0 0 1px rgba(214,182,106,.08)}.template-card.is-disabled{opacity:.66}.template-card-head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start;margin-bottom:10px}.template-title{font-size:16px;font-weight:700}.template-meta{display:flex;gap:6px;flex-wrap:wrap;margin-top:6px}.template-snippet{color:#dbe2f1;font-size:13px;line-height:1.55;min-height:72px}.template-usage{font-size:12px;color:var(--muted)}.compact-actions{margin-top:12px}
.history-row{padding:14px;border-radius:16px;border:1px solid rgba(255,255,255,.07);background:#0f1420;display:grid;gap:8px}.history-row.is-failed{border-color:rgba(255,107,107,.3)}.history-head{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}.history-badges{display:flex;flex-wrap:wrap;gap:6px;justify-content:flex-end}.history-subject{font-size:13px;color:#eff4fb}.history-body{font-size:13px;line-height:1.5;color:#d7e0ef}
.loan-card .actions-row .comm-quick-btn,.loan-card .actions-row .comm-template-btn{background:#172031;border-color:rgba(214,182,106,.18)}
@media (max-width:1100px){.communications-grid{grid-template-columns:1fr}.communications-side{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.communications-side{grid-template-columns:1fr}.template-filters{display:grid;grid-template-columns:1fr 1fr}.template-filters .search-input{min-width:0}.template-gallery{grid-template-columns:1fr}}


/* Communications select visibility + polished preview fixes */
.field select option,
.field select optgroup,
.search-input option,
.search-input optgroup,
select option,
select optgroup{
  color:#111827;
  background:#f8fafc;
}
#commLoanSelect{
  font-weight:600;
}
#commPreview:empty::before{
  content:'Select a loan and compose a message.';
  color:var(--muted);
}


/* Communications polish patch */
.communications-shell .grid.cols-3{grid-template-columns:repeat(3,minmax(220px,1fr));align-items:end}
.communications-shell .grid.cols-2{grid-template-columns:repeat(2,minmax(220px,1fr));align-items:end}
.communications-shell .field,.communications-shell label{min-width:0}
.communications-shell .field input,.communications-shell .field select,.communications-shell .field textarea{min-width:0}
.communications-meta-strip,.communication-meta-strip{display:flex;flex-wrap:wrap;gap:10px 8px;margin:10px 0 12px}
.meta-pill{max-width:100%;white-space:normal;overflow-wrap:anywhere;line-height:1.35}
.merge-helper{margin-top:2px}
.merge-helper[open]{padding-bottom:14px}
.merge-summary{list-style:none;cursor:pointer;user-select:none;display:flex;align-items:center;justify-content:space-between;margin:0}
.merge-summary::-webkit-details-marker{display:none}
.merge-summary::after{content:'+';font-size:16px;line-height:1;color:#d6b66a;transition:transform .2s ease,opacity .2s ease;opacity:.9}
.merge-helper[open] .merge-summary::after{content:'–'}
.merge-helper .token-row{margin-top:12px}
.token-chip{font-weight:600}
.template-filters{display:grid;grid-template-columns:repeat(4,minmax(160px,220px)) minmax(220px,1fr);gap:10px 12px;align-items:center}
.template-filters .search-input{width:100%;min-width:0}
.template-manager-wrap .section-head,.communications-history-wrap .section-head{margin-bottom:14px}
.template-gallery{margin-top:14px}
.preview-card{min-height:100%}
@media (max-width:1200px){.template-filters{grid-template-columns:repeat(3,minmax(160px,1fr)) minmax(180px,1fr)}}
@media (max-width:980px){.communications-shell .grid.cols-3,.communications-shell .grid.cols-2{grid-template-columns:1fr 1fr}.template-filters{grid-template-columns:repeat(2,minmax(160px,1fr))}}
@media (max-width:700px){.communications-shell .grid.cols-3,.communications-shell .grid.cols-2{grid-template-columns:1fr}.template-filters{grid-template-columns:1fr}.merge-summary{font-size:11px}}