:root {
    --bg: #0d1117;
    --surface: #161b22;
    --surface2: #1c2330;
    --surface3: #21262d;
    --border: #30363d;
    --border2: #3d444d;
    --accent: #f0a500;
    --accent2: #e8c86e;
    --accent-dim: rgba(240,165,0,0.12);
    --accent-dim2: rgba(240,165,0,0.06);
    --text: #e6edf3;
    --text2: #8b949e;
    --text3: #6e7681;
    --green: #3fb950;
    --green-dim: rgba(63,185,80,0.12);
    --red: #f85149;
    --red-dim: rgba(248,81,73,0.12);
    --blue: #58a6ff;
    --blue-dim: rgba(88,166,255,0.1);
    --purple: #bc8cff;
    --purple-dim: rgba(188,140,255,0.1);
    --radius: 10px;
    --shadow: 0 4px 24px rgba(0,0,0,0.4);
  }

  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--bg);
    color: var(--text);
    min-height: 100vh;
    font-size: 14px;
    line-height: 1.6;
  }

  /* ── Header ── */
  .header {
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    padding: 20px 32px;
    display: flex;
    align-items: center;
    gap: 16px;
    position: sticky;
    top: 0;
    z-index: 100;
    backdrop-filter: blur(12px);
  }
  .header-icon {
    width: 40px; height: 40px;
    background: var(--accent);
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 20px;
  }
  .header h1 {
    font-family: 'DM Serif Display', serif;
    font-size: 20px;
    color: var(--text);
    font-weight: 400;
  }
  .header-sub {
    font-size: 12px;
    color: var(--text2);
    margin-top: 1px;
  }
  .header-badge {
    margin-left: auto;
    background: var(--accent-dim);
    border: 1px solid var(--accent);
    color: var(--accent);
    font-size: 11px;
    font-family: 'DM Mono', monospace;
    padding: 4px 10px;
    border-radius: 20px;
    letter-spacing: 0.05em;
  }

  /* ── Layout ── */
  .main {
    max-width: 1400px;
    margin: 0 auto;
    padding: 28px 32px;
    display: grid;
    grid-template-columns: 380px 1fr;
    gap: 24px;
    align-items: start;
  }

  .panel {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
  }

  .panel-header {
    padding: 16px 20px;
    border-bottom: 1px solid var(--border);
    display: flex;
    align-items: center;
    gap: 10px;
  }
  .panel-header .icon { font-size: 16px; }
  .panel-header h2 {
    font-family: 'DM Serif Display', serif;
    font-size: 15px;
    font-weight: 400;
    color: var(--text);
  }
  .panel-body { padding: 20px; }

  /* ── Form Elements ── */
  .form-group { margin-bottom: 16px; }
  .form-group label {
    display: block;
    font-size: 12px;
    font-weight: 500;
    color: var(--text2);
    margin-bottom: 6px;
    letter-spacing: 0.04em;
    text-transform: uppercase;
  }

  .input-wrap { position: relative; }
  .input-wrap .prefix, .input-wrap .suffix {
    position: absolute;
    top: 50%; transform: translateY(-50%);
    font-family: 'DM Mono', monospace;
    font-size: 13px;
    color: var(--text2);
    pointer-events: none;
  }
  .input-wrap .prefix { left: 8px; }
  .input-wrap .suffix { right: 12px; }
  .input-wrap input { padding-left: 28px; }
  .input-wrap.has-suffix input { padding-right: 36px; }

  .input-wrap .prefix + input[type="text"] {
  padding-left: 20px;
}

  input[type="text"], input[type="number"], select, input[type="date"] {
    width: 100%;
    background: var(--surface3);
    border: 1px solid var(--border);
    border-radius: 8px;
    color: var(--text);
    font-family: 'DM Mono', monospace;
    font-size: 13px;
    padding: 9px 12px;
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
    appearance: none;
  }
  input:focus, select:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px var(--accent-dim);
  }
  select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238b949e' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 10px center;
    padding-right: 32px;
    cursor: pointer;
  }
  select option { background: var(--surface3); }

  .input-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .input-row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; }

  /* Tenure toggle */
  .tenure-wrap { display: flex; gap: 0; }
  .tenure-wrap input[type="text"] { border-radius: 8px 0 0 8px; flex: 1; }
  .tenure-toggle { display: flex; }
  .tenure-toggle button {
    background: var(--surface3);
    border: 1px solid var(--border);
    border-left: none;
    color: var(--text2);
    font-size: 12px;
    font-family: 'DM Mono', monospace;
    padding: 0 14px;
    cursor: pointer;
    transition: all 0.2s;
  }
  .tenure-toggle button:last-child { border-radius: 0 8px 8px 0; }
  .tenure-toggle button.active { background: var(--accent); color: #000; border-color: var(--accent); font-weight: 600; }

  /* ── Buttons ── */
  .btn {
    display: inline-flex; align-items: center; gap: 7px;
    padding: 9px 16px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 500;
    font-family: 'DM Sans', sans-serif;
    cursor: pointer;
    border: none;
    transition: all 0.2s;
    white-space: nowrap;
  }
  .btn-primary {
    background: var(--accent);
    color: #000;
    font-weight: 600;
  }
  .btn-primary:hover { background: var(--accent2); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(240,165,0,0.3); }
  .btn-secondary {
    background: var(--surface3);
    color: var(--text);
    border: 1px solid var(--border);
  }
  .btn-secondary:hover { background: var(--surface2); border-color: var(--border2); }
  .btn-danger {
    background: var(--red-dim);
    color: var(--red);
    border: 1px solid transparent;
    padding: 4px 10px;
    font-size: 12px;
  }
  .btn-danger:hover { border-color: var(--red); }
  .btn-green {
    background: var(--green-dim);
    color: var(--green);
    border: 1px solid var(--green);
  }
  .btn-green:hover { background: rgba(63,185,80,0.2); }
  .btn-export {
    background: var(--surface3);
    color: var(--text2);
    border: 1px solid var(--border);
    padding: 7px 14px;
    font-size: 12px;
  }
  .btn-export:hover { color: var(--accent); border-color: var(--accent); background: var(--accent-dim); }

  .action-row {
    display: flex; gap: 8px; flex-wrap: wrap;
    padding: 16px 20px;
    border-top: 1px solid var(--border);
    background: var(--surface2);
  }

  /* ── Sections (disbursements, rates, prepayments) ── */
  .section-panel {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow: hidden;
    margin-bottom: 0;
  }
  .section-header {
    padding: 14px 18px;
    display: flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    user-select: none;
    transition: background 0.2s;
  }
  .section-header:hover { background: var(--surface2); }
  .section-header .s-icon { font-size: 15px; }
  .section-header h3 {
    font-size: 13px;
    font-weight: 600;
    flex: 1;
  }
  .section-header .s-count {
    font-family: 'DM Mono', monospace;
    font-size: 11px;
    background: var(--accent-dim);
    color: var(--accent);
    padding: 2px 8px;
    border-radius: 20px;
  }
  .section-header .chevron {
    font-size: 11px;
    color: var(--text2);
    transition: transform 0.2s;
  }
  .section-header.open .chevron { transform: rotate(180deg); }
  .section-body {
    display: none;
    padding: 16px 18px;
    border-top: 1px solid var(--border);
    background: var(--surface2);
  }
  .section-body.open { display: block; }

  /* Event items (chips) */
  .event-list { display: flex; flex-direction: column; gap: 8px; margin-bottom: 14px; }
  .event-item {
    display: flex;
    align-items: center;
    gap: 10px;
    background: var(--surface3);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 9px 12px;
    animation: slideIn 0.2s ease;
  }
  @keyframes slideIn { from { opacity:0; transform: translateY(-6px); } to { opacity:1; transform:none; } }
  .event-item .ev-icon { font-size: 14px; flex-shrink: 0; }
  .event-item .ev-label {
    font-size: 12px;
    color: var(--text2);
    flex: 1;
    line-height: 1.4;
  }
  .event-item .ev-label strong { color: var(--text); font-family: 'DM Mono', monospace; font-size: 12px; }
  .event-item.disbursement { border-left: 3px solid var(--blue); }
  .event-item.rate-change { border-left: 3px solid var(--purple); }
  .event-item.prepayment { border-left: 3px solid var(--green); }

  /* Add form inside section */
  .add-form {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 14px;
    margin-top: 4px;
  }
  .add-form-title {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text2);
    margin-bottom: 12px;
  }

  /* ── Summary cards ── */
  .summary-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 12px;
    margin-bottom: 20px;
  }
  .summary-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 16px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  .summary-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: var(--accent);
  }
  .summary-card.orange::before { background: var(--accent); }
  .summary-card.blue::before { background: var(--blue); }
  .summary-card.green::before { background: var(--green); }
  .summary-card.red::before { background: var(--red); }
  .summary-card.purple::before { background: var(--purple); }
  .summary-card .sc-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--text2);
    margin-bottom: 8px;
    font-weight: 500;
  }
  .summary-card .sc-value {
    font-family: 'DM Mono', monospace;
    font-size: 18px;
    font-weight: 500;
    color: var(--text);
  }
  .summary-card .sc-sub {
    font-size: 11px;
    color: var(--text2);
    margin-top: 4px;
    font-family: 'DM Mono', monospace;
  }

  /* ── Chart area ── */
  .chart-wrap {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 20px;
    margin-bottom: 20px;
  }
  .chart-wrap canvas { width: 100% !important; height: 260px !important; }
  .chart-legend {
    display: flex; gap: 20px; flex-wrap: wrap;
    margin-top: 12px;
    justify-content: center;
  }
  .legend-item {
    display: flex; align-items: center; gap: 6px;
    font-size: 12px; color: var(--text2);
  }
  .legend-dot {
    width: 10px; height: 10px;
    border-radius: 3px;
    flex-shrink: 0;
  }

  /* ── Amortisation table ── */
  .table-controls {
    display: flex; align-items: center; gap: 12px;
    margin-bottom: 14px; flex-wrap: wrap;
  }
  .table-controls .tc-label {
    font-size: 12px; font-weight: 600; color: var(--text2);
    text-transform: uppercase; letter-spacing: 0.04em;
  }
  .radio-group { display: flex; gap: 0; }
  .radio-group label {
    padding: 6px 14px;
    background: var(--surface3);
    border: 1px solid var(--border);
    font-size: 12px;
    cursor: pointer;
    color: var(--text2);
    transition: all 0.15s;
    margin: 0;
    text-transform: none;
    letter-spacing: 0;
    font-weight: 400;
  }
  .radio-group label:first-child { border-radius: 8px 0 0 8px; }
  .radio-group label:last-child { border-radius: 0 8px 8px 0; border-left: none; }
  .radio-group label:not(:first-child):not(:last-child) { border-left: none; }
  .radio-group input[type="radio"] { display: none; }
  .radio-group input[type="radio"]:checked + label,
  .radio-group label.active {
    background: var(--accent);
    color: #000;
    border-color: var(--accent);
    font-weight: 600;
  }

  .table-wrap {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    overflow-y: auto;
    max-height: 500px;
  }
  table {
    width: 100%;
    border-collapse: collapse;
    font-size: 12.5px;
  }
  thead tr {
    background: var(--surface3);
    border-bottom: 2px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 10;
  }
  th {
    padding: 11px 14px;
    text-align: right;
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text2);
    white-space: nowrap;
  }
  th:first-child { text-align: left; }
  td {
    padding: 10px 14px;
    text-align: right;
    font-family: 'DM Mono', monospace;
    font-size: 12px;
    color: var(--text2);
    border-bottom: 1px solid var(--border);
  }
  td:first-child {
    text-align: left;
    font-family: 'DM Sans', sans-serif;
    font-size: 12.5px;
    color: var(--text);
    font-weight: 500;
  }
  tr:last-child td { border-bottom: none; }
  .year-row {
    background: var(--surface2);
    cursor: pointer;
  }
  .year-row td { color: var(--text); font-weight: 600; }
  .year-row:hover { background: var(--surface3); }
  .month-row td { color: var(--text2); }
  .month-row { display: none; }
  .month-row.visible { display: table-row; }
  .month-row td:first-child { padding-left: 28px; font-weight: 400; color: var(--text2); font-family: 'DM Mono', monospace; }
  .badge-row { font-size: 10px; }
  .event-badge {
    display: inline-block;
    padding: 1px 6px;
    border-radius: 4px;
    font-size: 10px;
    margin-left: 4px;
    font-weight: 600;
  }
  .badge-disb { background: var(--blue-dim); color: var(--blue); }
  .badge-rate { background: var(--purple-dim); color: var(--purple); }
  .badge-prep { background: var(--green-dim); color: var(--green); }
  .pos-val { color: var(--green) !important; }
  .neg-val { color: var(--red) !important; }

  /* export toolbar */
  .export-bar {
    display: flex; gap: 8px;
    padding: 14px 20px;
    border-top: 1px solid var(--border);
    background: var(--surface2);
    align-items: center;
    flex-wrap: wrap;
  }
  .export-bar .eb-label {
    font-size: 12px; color: var(--text2); font-weight: 500;
    margin-right: 4px;
  }

  /* Toast */
  .toast {
    position: fixed;
    bottom: 24px; right: 24px;
    background: var(--surface3);
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 12px 18px;
    font-size: 13px;
    color: var(--text);
    box-shadow: var(--shadow);
    z-index: 999;
    transform: translateY(80px);
    opacity: 0;
    transition: all 0.3s ease;
  }
  .toast.show { transform: none; opacity: 1; }

  /* empty state */
  .empty { text-align: center; padding: 32px; color: var(--text3); font-size: 13px; }

  /* scrollbar */
  ::-webkit-scrollbar { width: 6px; height: 6px; }
  ::-webkit-scrollbar-track { background: var(--surface); }
  ::-webkit-scrollbar-thumb { background: var(--border2); border-radius: 3px; }

  @media (max-width: 1100px) {
    .main { grid-template-columns: 1fr; }
    .summary-grid { grid-template-columns: repeat(3, 1fr); }
  }
  @media (max-width: 640px) {
    .main { padding: 16px; }
    .summary-grid { grid-template-columns: 1fr 1fr; }
  }