:root{--navy:#1a3a5c;--navy-dark:#122a44;--teal:#4e8f85;--teal-soft:#d4ece9;--blue:#2563eb;--blue-soft:#dbeafe;--green:#16a34a;--green-soft:#dcfce7;--red:#dc2626;--red-soft:#fee2e2;--amber:#d97706;--amber-soft:#fef3c7;--gray-50:#f9fafb;--gray-100:#f3f4f6;--gray-200:#e5e7eb;--gray-300:#d1d5db;--gray-500:#6b7280;--gray-700:#374151;--gray-900:#111827;--text:#111827;--text-soft:#6b7280;--border:#e5e7eb;--radius:8px;--shadow:0 1px 3px #00000014, 0 1px 2px #0000000f;--shadow-md:0 4px 6px #00000012, 0 2px 4px #0000000f}*,:before,:after{box-sizing:border-box}body{color:var(--text);background:var(--gray-50);margin:0;font-family:Inter,system-ui,-apple-system,sans-serif;font-size:14px;line-height:1.5}.nav{background:var(--navy);color:#fff;z-index:100;height:56px;box-shadow:var(--shadow-md);align-items:center;gap:24px;padding:0 24px;display:flex;position:sticky;top:0}.nav-brand{letter-spacing:-.3px;color:#fff;font-size:18px;font-weight:700;text-decoration:none}.nav-sub{color:#ffffffa6;letter-spacing:.6px;text-transform:uppercase;font-size:17px;font-weight:600}.nav-brand-area{flex:1;align-items:center;gap:10px;display:flex}.nav-logo-pill{background:#fff;border-radius:18px;flex-shrink:0;align-items:center;padding:4px 12px;line-height:1;display:inline-flex}.nav-brand-sub-group{align-items:center;gap:8px;display:flex}.nav-data-date{color:#ffffff80;white-space:nowrap;border:1px solid #fff3;border-radius:10px;padding:2px 8px;font-size:11px}.nav-pills{background:#ffffff1a;border-radius:20px;gap:2px;padding:3px;display:flex}.nav-pill{color:#ffffffb3;cursor:pointer;white-space:nowrap;background:0 0;border:none;border-radius:16px;padding:5px 18px;font-size:13px;font-weight:500;transition:background .15s,color .15s}.nav-pill:hover{color:#fff;background:#ffffff26}.nav-pill-active{color:#fff!important;background:#ffffff40!important}.nav-user{flex:1;justify-content:flex-end;align-items:center;display:flex;position:relative}.nav-user-btn{color:#ffffffd9;cursor:pointer;white-space:nowrap;text-overflow:ellipsis;background:0 0;border:1px solid #ffffff40;border-radius:20px;align-items:center;gap:6px;max-width:220px;padding:5px 12px;font-size:13px;font-weight:500;transition:background .15s,border-color .15s;display:inline-flex;overflow:hidden}.nav-user-btn:hover{background:#ffffff1f;border-color:#fff6}.nav-user-dropdown{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow-md);z-index:200;background:#fff;min-width:180px;position:absolute;top:calc(100% + 8px);right:0;overflow:hidden}.nav-user-dropdown-item{text-align:left;width:100%;color:var(--text);cursor:pointer;background:0 0;border:none;padding:10px 16px;font-size:13px;font-weight:500;transition:background .12s;display:block}.nav-user-dropdown-item:hover{background:var(--gray-50)}.nav-user-dropdown-divider{background:var(--border);height:1px;margin:2px 0}.page{max-width:1100px;margin:0 auto;padding:28px 24px 96px}.site-footer{background:var(--navy);z-index:100;justify-content:center;align-items:center;gap:12px;height:44px;padding:0 24px;display:flex;position:fixed;bottom:0;left:0;right:0}.footer-link{color:#fff9;cursor:pointer;background:0 0;border:none;padding:0;font-size:12px;text-decoration:none;transition:color .15s}.footer-link:hover{color:#fff}.footer-divider{color:#ffffff40;-webkit-user-select:none;user-select:none;font-size:12px}.site-footer-copy{color:#ffffff73;font-size:12px}.page-header{flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:24px;display:flex}.page-title{color:var(--gray-900);letter-spacing:-.3px;margin:0;font-size:22px;font-weight:700}.page-sub{color:var(--text-soft);margin:4px 0 0;font-size:13px}.page-back{color:var(--text-soft);cursor:pointer;align-items:center;gap:4px;margin-bottom:6px;font-size:13px;display:inline-flex}.page-back:hover{color:var(--text)}.card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;margin-bottom:20px;padding:20px 24px}.card-title{text-transform:uppercase;letter-spacing:.6px;color:var(--text-soft);margin-bottom:16px;font-size:13px;font-weight:600}.stats-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin-bottom:24px;display:grid}.stat-card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff;padding:18px 20px}.stat-label{text-transform:uppercase;letter-spacing:.7px;color:var(--text-soft);margin-bottom:8px;font-size:11px;font-weight:600}.stat-value{color:var(--navy);font-size:22px;font-weight:700}.stat-value.green{color:var(--green)}.loan-grid{grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:16px;margin-bottom:24px;display:grid}.loan-card{border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);cursor:pointer;color:inherit;background:#fff;padding:20px;text-decoration:none;transition:box-shadow .15s,border-color .15s;display:block}.loan-card:hover{box-shadow:var(--shadow-md);border-color:var(--gray-300)}.loan-card-header{justify-content:space-between;align-items:flex-start;margin-bottom:14px;display:flex}.loan-account{color:var(--text-soft);font-family:Courier New,monospace;font-size:13px;font-weight:600}.loan-borrower{color:var(--gray-900);margin:2px 0 12px;font-size:16px;font-weight:600}.loan-meta{grid-template-columns:1fr 1fr;gap:8px 16px;display:grid}.loan-meta-label{color:var(--text-soft);text-transform:uppercase;letter-spacing:.5px;font-size:11px;font-weight:500}.loan-meta-value{color:var(--gray-900);margin-top:2px;font-size:14px;font-weight:600}.loan-meta-value.green{color:var(--green)}.portfolio-top-row{flex-wrap:wrap;align-items:flex-start;gap:16px;margin-bottom:24px;display:flex}.stat-value.sm{font-size:16px}.stat-divider{border-top:1px solid var(--border);flex-direction:column;gap:6px;margin-top:12px;padding-top:10px;display:flex}.ach-card{flex:2;min-width:280px}.ach-breakdown{border-top:1px solid var(--border);flex-direction:column;margin-top:12px;padding-top:10px;display:flex}.ach-breakdown-header{text-transform:uppercase;letter-spacing:.4px;color:var(--text-soft);border-bottom:1px solid var(--border);grid-template-columns:90px 1fr 90px;gap:4px 10px;margin-bottom:4px;padding-bottom:5px;font-size:10px;display:grid}.ach-breakdown-row{border-bottom:1px solid #f3f4f6;grid-template-columns:90px 1fr 90px;align-items:center;gap:4px 10px;padding:4px 0;display:grid}.ach-loan-acct{color:var(--text-soft);font-family:Courier New,monospace;font-size:11px}.ach-loan-borrower{color:var(--gray-900);white-space:nowrap;text-overflow:ellipsis;font-size:12px;overflow:hidden}.ach-loan-amt{color:var(--green);text-align:right;font-size:12px;font-weight:600}.ach-breakdown-total{color:var(--gray-900);grid-template-columns:90px 1fr 90px;align-items:center;gap:4px 10px;padding-top:6px;font-size:12px;font-weight:700;display:grid}.ach-breakdown-total span:last-child{text-align:right;color:var(--green)}.ach-paid-badge{color:var(--text-soft);background:#f3f4f6;border-radius:4px;margin-top:2px;padding:2px 7px;font-size:11px}.ach-empty{color:var(--text-soft);margin-top:10px;font-size:12px}.badge{letter-spacing:.3px;text-transform:uppercase;border-radius:99px;padding:2px 10px;font-size:11px;font-weight:600;display:inline-block}.badge-active{background:var(--green-soft);color:var(--green)}.badge-paid{background:var(--gray-100);color:var(--gray-500)}.badge-nsf{background:var(--red-soft);color:var(--red)}.badge-current{background:var(--blue-soft);color:var(--blue)}.badge-late{background:var(--amber-soft);color:var(--amber)}table{border-collapse:collapse;width:100%;font-size:13px}th{text-align:left;text-transform:uppercase;letter-spacing:.5px;color:var(--text-soft);border-bottom:1px solid var(--border);background:var(--gray-50);padding:8px 12px;font-size:11px;font-weight:600}td{border-bottom:1px solid var(--border);vertical-align:middle;padding:10px 12px}tr:last-child td{border-bottom:none}tr.nsf td{background:var(--red-soft);color:var(--red)}tr:hover td{background:var(--gray-50)}tr.nsf:hover td{background:#fecaca}.text-right{text-align:right}.detail-table td{border:none;border-bottom:1px solid var(--border);vertical-align:top;padding:8px 0}.detail-table tr:last-child td{border-bottom:none}.detail-label{color:var(--text-soft);width:180px;padding-right:16px;font-size:13px}.detail-value{color:var(--gray-900);font-weight:500}.btn{cursor:pointer;border:1px solid #0000;border-radius:6px;align-items:center;gap:6px;padding:8px 16px;font-size:13px;font-weight:600;line-height:1;text-decoration:none;transition:background .15s,box-shadow .15s,opacity .15s;display:inline-flex}.btn:disabled{opacity:.5;cursor:not-allowed}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover:not(:disabled){background:var(--navy-dark)}.btn-ghost{border-color:var(--border);color:var(--text);background:0 0}.btn-ghost:hover:not(:disabled){background:var(--gray-100)}.btn-sm{padding:5px 12px;font-size:12px}.period-select{border:1px solid var(--border);color:var(--text);cursor:pointer;background:#fff;border-radius:6px;padding:6px 10px;font-family:inherit;font-size:13px}.period-select:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px #2563eb1f}.alert{border-radius:var(--radius);margin-bottom:16px;padding:12px 16px;font-size:13px}.alert-info{background:var(--blue-soft);color:#1d4ed8;border:1px solid #bfdbfe}.alert-success{background:var(--green-soft);color:#15803d;border:1px solid #bbf7d0}.alert-error{background:var(--red-soft);color:#b91c1c;border:1px solid #fecaca}.loading-page{color:var(--text-soft);justify-content:center;align-items:center;gap:10px;padding:64px;font-size:14px;display:flex}.spinner{border:2px solid var(--border);border-top-color:var(--navy);border-radius:50%;width:18px;height:18px;animation:.7s linear infinite spin;display:inline-block}@keyframes spin{to{transform:rotate(360deg)}}.empty-state{text-align:center;color:var(--text-soft);padding:48px 24px}.empty-icon{color:var(--text-soft);justify-content:center;margin-bottom:12px;display:flex}.section-heading{color:var(--gray-700);margin:0 0 12px;font-size:15px;font-weight:600}.pagination{color:var(--text-soft);justify-content:flex-end;align-items:center;gap:8px;padding-top:16px;font-size:13px;display:flex}.login-page{background:var(--gray-50);flex-direction:column;justify-content:center;align-items:center;min-height:100vh;padding:24px;display:flex}.login-card{border:1px solid var(--border);width:100%;max-width:380px;box-shadow:var(--shadow-md);text-align:center;background:#fff;border-radius:12px;padding:40px 48px}.login-logo{margin:0 auto 20px;display:block}.login-tagline{color:var(--teal);letter-spacing:.5px;text-transform:uppercase;margin-bottom:32px;font-size:13px;font-weight:600}.modal-overlay{z-index:500;background:#00000073;justify-content:center;align-items:center;padding:24px;display:flex;position:fixed;inset:0}.modal{background:#fff;border-radius:12px;width:100%;max-width:440px;overflow:hidden;box-shadow:0 20px 60px #0003}.modal.modal-wide{max-width:580px}.modal.modal-xl{max-width:820px}.modal.modal-xxl{max-width:65vw}.modal-header{justify-content:space-between;align-items:center;padding:20px 24px 0;display:flex}.modal-title{color:var(--gray-900);margin:0;font-size:17px;font-weight:700}.modal-close{color:var(--text-soft);cursor:pointer;background:0 0;border:none;border-radius:4px;padding:4px 6px;font-size:16px;line-height:1;transition:background .12s,color .12s}.modal-close:hover{background:var(--gray-100);color:var(--text)}.modal-tabs{border-bottom:1px solid var(--border);gap:0;margin-top:16px;padding:0 24px;display:flex}.modal-tab{color:var(--text-soft);cursor:pointer;background:0 0;border:none;border-bottom:2px solid #0000;margin-right:20px;padding:8px 0;font-size:13px;font-weight:500;transition:color .12s,border-color .12s}.modal-tab:hover{color:var(--text)}.modal-tab-active{color:var(--navy);border-bottom-color:var(--navy)}.modal-body{padding:20px 24px 24px}.modal-footer{justify-content:flex-end;gap:8px;margin-top:20px;display:flex}.form-group{margin-bottom:14px}.form-label{color:var(--text-soft);text-transform:uppercase;letter-spacing:.5px;margin-bottom:5px;font-size:12px;font-weight:600;display:block}.form-input{border:1px solid var(--border);width:100%;color:var(--text);background:#fff;border-radius:6px;padding:8px 10px;font-family:inherit;font-size:13px;transition:border-color .15s,box-shadow .15s}.form-input:focus{border-color:var(--blue);outline:none;box-shadow:0 0 0 3px #2563eb1f}.mfa-secret-block{background:var(--gray-50);border:1px solid var(--border);border-radius:var(--radius);padding:16px}.mfa-totp-link{color:var(--blue);font-size:13px;font-weight:600;text-decoration:none;display:inline-block}.mfa-totp-link:hover{text-decoration:underline}.mfa-secret-row{align-items:center;gap:10px;display:flex}.mfa-secret-code{color:var(--gray-900);border:1px solid var(--border);word-break:break-all;letter-spacing:.5px;background:#fff;border-radius:4px;flex:1;padding:6px 10px;font-family:Courier New,monospace;font-size:13px}.mono{font-family:Courier New,monospace;font-size:12px}.muted{color:var(--text-soft)}.mt16{margin-top:16px}.flex-between{justify-content:space-between;align-items:center;display:flex}.section-divider{border:none;border-top:1px solid var(--border);margin:24px 0}