:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-2: #eef4fb;
  --ink: #122236;
  --muted: #63758a;
  --line: #dce6f2;
  --primary: #0f4c81;
  --primary-2: #1268ad;
  --accent: #f0a92e;
  --danger: #ba2b2b;
  --success: #217a4b;
  --warning: #9a6400;
  --shadow: 0 18px 45px rgba(20, 47, 78, 0.11);
  --radius: 18px;
  --score-deg: 0deg;
}
* { box-sizing: border-box; }
html, body { margin: 0; min-height: 100%; }
body {
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--bg);
  color: var(--ink);
}
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.app-shell { display: grid; grid-template-columns: 292px 1fr; min-height: 100vh; }
.sidebar {
  background: linear-gradient(180deg, #0d365c 0%, #09243f 100%);
  color: white;
  padding: 24px;
  position: sticky;
  top: 0;
  height: 100vh;
  overflow: auto;
}
.brand-block { display: flex; gap: 12px; align-items: center; margin-bottom: 28px; }
.brand-block img { width: 48px; height: 48px; }
.brand-block h1 { font-size: 18px; line-height: 1.15; margin: 0; }
.brand-block p { margin: 4px 0 0; color: #bfd6ea; font-size: 13px; }
.nav { display: grid; gap: 8px; }
.nav-btn {
  border: 1px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.06);
  color: white;
  text-align: left;
  padding: 12px 14px;
  border-radius: 12px;
}
.nav-btn:hover, .nav-btn.active { background: white; color: var(--primary); }
.sidebar-card {
  margin-top: 26px;
  border: 1px solid rgba(255,255,255,.14);
  background: rgba(255,255,255,.08);
  border-radius: 18px;
  padding: 16px;
}
.sidebar-card strong { display: block; margin: 8px 0; }
.sidebar-card p { color: #c9dced; font-size: 13px; line-height: 1.5; margin: 0; }
.main { padding: 26px; min-width: 0; }
.topbar { display: flex; justify-content: space-between; align-items: center; gap: 16px; margin-bottom: 22px; }
.topbar h2 { margin: 3px 0 0; font-size: 28px; }
.eyebrow { margin: 0; color: var(--primary-2); font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.top-actions, .form-actions, .button-grid { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
button, .file-label {
  border: 0;
  border-radius: 12px;
  padding: 10px 14px;
  font-weight: 750;
  transition: transform .12s ease, box-shadow .12s ease, background .12s ease;
}
button:active, .file-label:active { transform: translateY(1px); }
.primary { background: var(--primary); color: white; box-shadow: 0 10px 25px rgba(15,76,129,.22); }
.primary:hover { background: var(--primary-2); }
.ghost, .file-label { background: var(--surface-2); color: var(--primary); border: 1px solid var(--line); }
.ghost:hover, .file-label:hover { background: #e4eef9; }
.small { padding: 7px 10px; font-size: 13px; }
.danger { color: var(--danger); }
.file-label input { display: none; }
.view { display: none; }
.view.active { display: grid; gap: 18px; }
.hero-card, .panel, .metric-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 26px; }
.hero-card h3 { font-size: 30px; line-height: 1.1; margin: 12px 0; max-width: 760px; }
.hero-card p { color: var(--muted); max-width: 760px; margin: 0; line-height: 1.55; }
.pill { display: inline-flex; padding: 7px 10px; border-radius: 999px; background: #fff5de; color: #875705; font-size: 12px; font-weight: 800; }
.score-ring {
  flex: 0 0 auto;
  width: 142px;
  height: 142px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: conic-gradient(var(--primary) var(--score-deg), #e4edf6 0);
  position: relative;
}
.score-ring::after { content: ""; position: absolute; inset: 14px; border-radius: 50%; background: white; }
.score-ring span, .score-ring small { position: relative; z-index: 1; }
.score-ring span { font-size: 42px; font-weight: 900; }
.score-ring small { margin-left: -26px; margin-top: 48px; color: var(--muted); }
.metric-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.metric-grid.five { grid-template-columns: repeat(5, minmax(0, 1fr)); }
.metric-card { padding: 18px; }
.metric-card span { color: var(--muted); font-size: 13px; font-weight: 750; }
.metric-card strong { display: block; font-size: 24px; margin: 7px 0; }
.metric-card small { color: var(--muted); line-height: 1.35; }
.two-col { display: grid; grid-template-columns: 1.2fr .8fr; gap: 18px; }
.two-col.compact { grid-template-columns: 1fr 1fr; }
.panel { padding: 20px; }
.panel-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; margin-bottom: 16px; }
.panel-head h3 { margin: 0; font-size: 20px; }
.panel-head p, .panel-head small { color: var(--muted); margin: 6px 0 0; line-height: 1.45; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.compact-form { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.txn-form { display: grid; grid-template-columns: 150px 1.4fr 1fr 1fr 160px; gap: 12px; align-items: end; }
label { display: grid; gap: 6px; color: #31445b; font-weight: 700; font-size: 13px; }
input, select, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 11px 12px;
  background: white;
  color: var(--ink);
  outline: none;
}
input:focus, select:focus, textarea:focus { border-color: var(--primary-2); box-shadow: 0 0 0 4px rgba(18,104,173,.12); }
textarea { resize: vertical; }
.wide { grid-column: 1 / -1; }
.check-row { display: flex; align-items: center; gap: 10px; line-height: 1.5; }
.check-row input { width: auto; }
.consent-box { border: 1px solid var(--line); border-radius: 16px; padding: 14px; }
.consent-box legend { color: var(--primary); font-weight: 850; }
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; min-width: 820px; }
th, td { text-align: left; border-bottom: 1px solid var(--line); padding: 11px 10px; vertical-align: top; }
th { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .03em; }
td { font-size: 14px; }
.right { text-align: right; }
.empty-cell { text-align: center; color: var(--muted); padding: 28px; }
.score-bars, .action-list, .readiness-details, #policyChecks { display: grid; gap: 12px; }
.score-row { display: grid; gap: 7px; }
.score-row-head, .inline-between { display: flex; justify-content: space-between; gap: 12px; align-items: center; }
.score-row small { color: var(--muted); }
.bar { height: 10px; background: #e8f0f8; border-radius: 999px; overflow: hidden; }
.bar span { display: block; height: 100%; background: linear-gradient(90deg, var(--primary), var(--primary-2)); border-radius: 999px; }
.action-card, .doc-card, .detail-card, .policy-item, .timeline-item {
  border: 1px solid var(--line);
  background: #fbfdff;
  border-radius: 14px;
  padding: 14px;
}
.action-card strong, .detail-card strong { display: block; margin-bottom: 5px; }
.action-card p, .detail-card p, .doc-card p, .timeline-item p { margin: 0; color: var(--muted); line-height: 1.45; }
.doc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.doc-card { display: grid; gap: 10px; }
.doc-card h4 { margin: 0; }
.doc-card .meta { display: flex; flex-wrap: wrap; gap: 6px; }
.badge { display: inline-flex; border-radius: 999px; padding: 5px 8px; font-size: 12px; font-weight: 800; background: #edf4fb; color: var(--primary); }
.badge.good { background: #e2f5eb; color: var(--success); }
.badge.warn { background: #fff2d3; color: var(--warning); }
.badge.bad { background: #ffe4e4; color: var(--danger); }
.doc-controls { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.policy-card { border: 1px solid var(--line); border-radius: 16px; padding: 18px; background: #fbfdff; }
.policy-card h4 { margin: 0 0 14px; }
.policy-item { display: grid; gap: 4px; }
.policy-item strong { display: flex; align-items: center; gap: 8px; }
.status-dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; background: var(--muted); }
.status-dot.pass { background: var(--success); }
.status-dot.warn { background: var(--warning); }
.status-dot.fail { background: var(--danger); }
.big-score { font-weight: 900; font-size: 34px; color: var(--primary); }
.report-cover { display: flex; justify-content: space-between; align-items: center; border-bottom: 1px solid var(--line); padding-bottom: 18px; margin-bottom: 18px; }
.report-cover h3 { margin: 4px 0; font-size: 28px; }
.report-score { width: 108px; height: 108px; border-radius: 22px; background: var(--primary); color: white; display: grid; place-items: center; }
.report-score span { font-size: 38px; font-weight: 900; line-height: 1; }
.report-score small { margin-top: -24px; }
.report-body { display: grid; gap: 16px; }
.report-section { border: 1px solid var(--line); border-radius: 14px; padding: 16px; break-inside: avoid; }
.report-section h4 { margin: 0 0 12px; }
.kv-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 10px; }
.kv { display: grid; gap: 3px; }
.kv span { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .03em; font-weight: 800; }
.kv strong { font-size: 14px; }
.timeline { display: grid; gap: 10px; }
.timeline-item time { display: block; color: var(--muted); font-size: 12px; margin-top: 4px; }
.compact-grid { margin-bottom: 18px; }
@media (max-width: 1100px) {
  .app-shell { grid-template-columns: 1fr; }
  .sidebar { position: static; height: auto; }
  .nav { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .metric-grid, .metric-grid.five, .two-col, .two-col.compact, .doc-grid, .compact-form, .txn-form { grid-template-columns: 1fr; }
  .hero-card, .topbar { flex-direction: column; align-items: flex-start; }
}
@media print {
  body { background: white; }
  .sidebar, .topbar, .view:not(#report) { display: none !important; }
  .app-shell, .main { display: block; padding: 0; }
  #report { display: block !important; }
  .panel { box-shadow: none; border: 0; }
}

/* v0.3 pilot-grade additions */
.metric-grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.printable { background: white; }
.status-banner {
  margin-top: 14px;
  border: 1px solid var(--line);
  background: #f7fbff;
  color: var(--primary);
  border-radius: 14px;
  padding: 12px 14px;
  font-weight: 700;
  line-height: 1.45;
}
.guardrail-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; margin-bottom: 16px; }
.guardrail-card, .checklist-panel {
  border: 1px solid var(--line);
  background: #fbfdff;
  border-radius: 14px;
  padding: 14px;
}
.guardrail-card strong { display: block; margin-bottom: 6px; color: var(--primary); }
.guardrail-card p { margin: 0; color: var(--muted); line-height: 1.5; }
.checklist-panel { display: grid; gap: 10px; }
.doc-controls { grid-template-columns: 1fr 1fr; }
.doc-controls input[type="file"] { padding: 9px; background: #fff; }
@media (max-width: 1100px) { .metric-grid.four, .guardrail-grid { grid-template-columns: 1fr; } }

/* v0.4 Bangladesh market additions */
.segment-panel { border-left: 4px solid var(--accent); }
.seg-badge { font-size: 13px; padding: 6px 12px; }
.warn-banner {
  background: #fff7e8;
  border-color: #f0d9a8;
  color: var(--warning);
}
.field-hint { display: block; margin-top: 4px; color: var(--muted); font-size: 12px; line-height: 1.4; }
.report-disclaimer {
  margin-top: 16px;
  padding: 10px 12px;
  border: 1px dashed var(--line);
  border-radius: 10px;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.5;
}
#langToggleBtn { min-width: 72px; font-weight: 700; }
@media print { .report-disclaimer { border-color: #999; color: #444; } }

.muted-row { opacity: 0.62; text-decoration: line-through; }

/* v0.6 market-ready pilot additions */
.landing-hero { align-items: stretch; }
.hero-buttons { margin-top: 18px; }
.landing-stat-card {
  min-width: 230px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: linear-gradient(180deg, #f7fbff, #eef6ff);
  display: grid;
  place-content: center;
  gap: 8px;
  padding: 20px;
  text-align: center;
}
.landing-stat-card strong { color: var(--primary); font-size: 20px; }
.landing-stat-card span { color: var(--muted); font-weight: 700; }
.feature-list { display: grid; gap: 12px; }
.feature-list article, .status-card, .role-grid article, .price-card {
  border: 1px solid var(--line);
  background: #fbfdff;
  border-radius: 14px;
  padding: 14px;
}
.feature-list strong, .status-card strong, .role-grid strong, .price-card strong { display: block; color: var(--primary); margin-bottom: 6px; }
.feature-list p, .status-card p, .role-grid p, .price-card p { margin: 0; color: var(--muted); line-height: 1.45; }
.application-status-grid, .role-grid, .pricing-grid { display: grid; gap: 14px; }
.role-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.role-grid span { display: inline-flex; margin-top: 10px; padding: 6px 9px; border-radius: 999px; background: #edf4fb; color: var(--primary); font-weight: 800; font-size: 12px; }
.pricing-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.price-card { display: grid; gap: 10px; align-content: start; }
.price-card > span { color: var(--muted); font-weight: 800; text-transform: uppercase; font-size: 12px; letter-spacing: .04em; }
.price-card strong { font-size: 26px; color: var(--ink); }
.price-card.featured { border-color: rgba(15,76,129,.28); box-shadow: 0 16px 32px rgba(15,76,129,.12); }
.lead-list { margin-top: 16px; }
@media (max-width: 1100px) { .role-grid, .pricing-grid { grid-template-columns: 1fr; } }