:root{--primary-gold:gold;--secondary-gold:#daa520;--dark-gold:#b8860b;--light-gold:#fff8dc;--background:#fff;--panel:#fffef4;--text:#333;--danger:#b42318;--success:#0f766e;--app-menu-panel-bg:#0f172a;--app-auth-dropdown-bg:#7a5607;--app-menu-group-fleet-bg:#1e293b;--app-menu-group-fleet-text:#fff;--app-menu-group-ai-bg:#083344;--app-menu-group-ai-text:#67e8f9;--app-menu-group-admin-bg:#3f1d5c;--app-menu-group-admin-text:#f5e8ff;--app-menu-group-governance-bg:#7c2d12;--app-menu-group-governance-text:#fed7aa;--app-menu-group-account-bg:#1f2937;--app-menu-group-account-text:#e2e8f0;--app-menu-group-account-bg-strong:linear-gradient(135deg, #111827, #1f2937);--app-menu-group-account-text-strong:#f8fafc;--app-menu-link-bg:#ffffff0d;--app-menu-link-text:#fff;--app-menu-link-account-bg:#64748b57;--app-menu-link-account-text:#f8fafc;--app-menu-link-account-hover-bg:#94a3b86b;--app-menu-link-ai-bg:linear-gradient(135deg, #0f766e, #0891b2);--app-menu-link-admin-bg:#784c9959;--app-menu-link-governance-bg:linear-gradient(135deg, #92400e, #b45309);--app-theme-panel-bg:#ffffff0f;--app-theme-panel-border:#ffffff1f;--app-theme-panel-text:#f8fafc;--app-theme-panel-muted:#f8fafcb8;--app-theme-button-bg:#ffffff14;--app-theme-button-text:#fff;--app-theme-button-border:#ffffff24;--app-theme-button-active-bg:gold;--app-theme-button-active-text:#1f2937;--loan-step8-shell-bg:#fff;--loan-step8-shell-border:#e2e8f0;--loan-step8-header-bg:linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 100%);--loan-step8-header-text:#fff;--loan-step8-header-kicker:#bfdbfe;--loan-step8-header-copy:#dbeafe;--loan-step8-section-bg:#f8fafc;--loan-step8-section-border:#e2e8f0;--loan-step8-panel-bg:#fff;--loan-step8-panel-border:#e2e8f0;--loan-step8-panel-soft-bg:#f8fafc;--loan-step8-title:#334155;--loan-step8-muted:#64748b;--loan-step8-status-bg:#ecfdf5;--loan-step8-status-text:#047857;--loan-step8-warning-bg:#fffbeb;--loan-step8-warning-border:#fcd34d;--loan-step8-warning-text:#92400e;--loan-step8-summary-bg:linear-gradient(135deg, #fef3c7 0%, #fefce8 55%, #fff 100%);--loan-step8-summary-border:#fcd34d;--loan-step8-probability-bg:linear-gradient(135deg, #1e3a8a 0%, #1d4ed8 100%);--loan-step8-probability-border:#1e40af;--loan-step8-probability-text:#fff;--loan-step8-probability-muted:#dbeafe;--loan-step8-probability-soft:#ffffff1f;--loan-step8-pill-bg:#f1f5f9;--loan-step8-pill-text:#334155;--loan-step8-note-pill-bg:#eff6ff;--loan-step8-note-pill-border:#bfdbfe;--loan-step8-note-pill-text:#1d4ed8;--loan-step8-ring-positive:#57c27c;--loan-step8-ring-warning:#f59e0b;--loan-step8-ring-negative:#ef4444}:root[data-theme=civic]{--primary-gold:#ffd43b;--secondary-gold:#f59e0b;--dark-gold:#c81e1e;--light-gold:#fff7cc;--background:#fff;--panel:#fffdf5;--text:#12304f;--danger:#c81e1e;--success:#1d4ed8;--app-menu-panel-bg:#11355e;--app-auth-dropdown-bg:#b91c1c;--app-menu-group-fleet-bg:#1d4ed8;--app-menu-group-fleet-text:#fff;--app-menu-group-ai-bg:#0f3d91;--app-menu-group-ai-text:#fef08a;--app-menu-group-admin-bg:#b91c1c;--app-menu-group-admin-text:#fff7cc;--app-menu-group-governance-bg:#facc15;--app-menu-group-governance-text:#102a43;--app-menu-group-account-bg:#fff;--app-menu-group-account-text:#12304f;--app-menu-group-account-bg-strong:linear-gradient(135deg, #dbeafe, #bfdbfe);--app-menu-group-account-text-strong:#12304f;--app-menu-link-bg:#ffffff24;--app-menu-link-text:#fff;--app-menu-link-account-bg:#dbeafeeb;--app-menu-link-account-text:#102a43;--app-menu-link-account-hover-bg:#bfdbfe;--app-menu-link-ai-bg:linear-gradient(135deg, #2563eb, #dc2626);--app-menu-link-admin-bg:#fff3c733;--app-menu-link-governance-bg:linear-gradient(135deg, #facc15, #f59e0b);--app-theme-panel-bg:#ffffff1a;--app-theme-panel-border:#ffffff2e;--app-theme-panel-text:#fff;--app-theme-panel-muted:#ffffffc7;--app-theme-button-bg:#ffffff1f;--app-theme-button-text:#fff;--app-theme-button-border:#ffffff2e;--app-theme-button-active-bg:#fff;--app-theme-button-active-text:#12304f;--loan-step8-shell-bg:#fff;--loan-step8-shell-border:#1d4ed829;--loan-step8-header-bg:linear-gradient(135deg, #1d4ed8 0%, #dc2626 100%);--loan-step8-header-text:#fff;--loan-step8-header-kicker:#fef08a;--loan-step8-header-copy:#fefce8;--loan-step8-section-bg:#fffdf5;--loan-step8-section-border:#facc156b;--loan-step8-panel-bg:#fff;--loan-step8-panel-border:#1d4ed824;--loan-step8-panel-soft-bg:#fffdf5;--loan-step8-title:#12304f;--loan-step8-muted:#4b5563;--loan-step8-status-bg:#ffffffeb;--loan-step8-status-text:#1d4ed8;--loan-step8-warning-bg:#fff7cc;--loan-step8-warning-border:#facc15;--loan-step8-warning-text:#92400e;--loan-step8-summary-bg:linear-gradient(135deg, #fff7cc 0%, #fff 50%, #dc262614 100%);--loan-step8-summary-border:#facc15b8;--loan-step8-probability-bg:linear-gradient(135deg, #1d4ed8 0%, #b91c1c 100%);--loan-step8-probability-border:#b91c1c;--loan-step8-probability-text:#fff;--loan-step8-probability-muted:#fef3c7;--loan-step8-probability-soft:#ffffff24;--loan-step8-pill-bg:#eff6ff;--loan-step8-pill-text:#12304f;--loan-step8-note-pill-bg:#fff7cc;--loan-step8-note-pill-border:#facc15;--loan-step8-note-pill-text:#12304f;--loan-step8-ring-positive:#1d4ed8;--loan-step8-ring-warning:#f59e0b;--loan-step8-ring-negative:#dc2626}:root[data-theme=philippine-flag]{--primary-gold:#fcd116;--secondary-gold:#fde047;--dark-gold:#0f766e;--light-gold:#fff8d6;--background:#fff;--panel:#f8fffc;--text:#0f2547;--danger:#c2410c;--success:#0f766e;--app-menu-panel-bg:linear-gradient(180deg, #0038a8 0%, #0b57d0 42%, #0f766e 100%);--app-auth-dropdown-bg:linear-gradient(180deg, #0f766e 0%, #0b5f55 100%);--app-menu-group-fleet-bg:linear-gradient(135deg, #0038a8, #0b57d0);--app-menu-group-fleet-text:#fff;--app-menu-group-ai-bg:linear-gradient(135deg, #0f766e, #0b8f78);--app-menu-group-ai-text:#fff8d6;--app-menu-group-admin-bg:linear-gradient(135deg, #0f4aa8, #0f766e);--app-menu-group-admin-text:#fff8d6;--app-menu-group-governance-bg:linear-gradient(135deg, #fcd116, #f4b400);--app-menu-group-governance-text:#0f2547;--app-menu-group-account-bg:#fff;--app-menu-group-account-text:#0f2547;--app-menu-group-account-bg-strong:linear-gradient(135deg, #fff8d6, #fff);--app-menu-group-account-text-strong:#0f2547;--app-menu-link-bg:#ffffff24;--app-menu-link-text:#fff;--app-menu-link-account-bg:#fff8d6eb;--app-menu-link-account-text:#0f2547;--app-menu-link-account-hover-bg:#fff3b8;--app-menu-link-ai-bg:linear-gradient(135deg, #0f766ee0, #0b8f78d1);--app-menu-link-admin-bg:#fff8d629;--app-menu-link-governance-bg:linear-gradient(135deg, #fcd116, #ffd84a);--app-theme-panel-bg:#ffffff24;--app-theme-panel-border:#fff3;--app-theme-panel-text:#fff;--app-theme-panel-muted:#fff8d6d6;--app-theme-button-bg:#ffffff1f;--app-theme-button-text:#fff;--app-theme-button-border:#fff3;--app-theme-button-active-bg:#fcd116;--app-theme-button-active-text:#0f2547;--loan-step8-shell-bg:#fff;--loan-step8-shell-border:#0038a829;--loan-step8-header-bg:linear-gradient(135deg, #0038a8 0%, #0b57d0 48%, #0f766e 100%);--loan-step8-header-text:#fff;--loan-step8-header-kicker:#fff8d6;--loan-step8-header-copy:#ffffffdb;--loan-step8-section-bg:#f8fffc;--loan-step8-section-border:#0f766e33;--loan-step8-panel-bg:#fff;--loan-step8-panel-border:#0038a81f;--loan-step8-panel-soft-bg:#f6fffb;--loan-step8-title:#0f2547;--loan-step8-muted:#546275;--loan-step8-status-bg:#dcfce7;--loan-step8-status-text:#0f766e;--loan-step8-warning-bg:#fff8d6;--loan-step8-warning-border:#fcd116;--loan-step8-warning-text:#8b5e00;--loan-step8-summary-bg:linear-gradient(135deg, #fff 0%, #fff8d6 44%, #0f766e1f 100%);--loan-step8-summary-border:#fcd116a3;--loan-step8-probability-bg:linear-gradient(135deg, #0038a8 0%, #0b57d0 52%, #0f766e 100%);--loan-step8-probability-border:#002d84;--loan-step8-probability-text:#fff;--loan-step8-probability-muted:#fff8d6;--loan-step8-probability-soft:#ffffff24;--loan-step8-pill-bg:#eff6ff;--loan-step8-pill-text:#0038a8;--loan-step8-note-pill-bg:#fff8d6;--loan-step8-note-pill-border:#fcd116;--loan-step8-note-pill-text:#0f2547;--loan-step8-ring-positive:#0f766e;--loan-step8-ring-warning:#f4b400;--loan-step8-ring-negative:#0038a8}*,*,:before,:after{box-sizing:border-box}img,svg,video,canvas{max-width:100%;height:auto}.table-responsive{-webkit-overflow-scrolling:touch;width:100%;overflow-x:auto}html{scroll-behavior:smooth}body{background-color:var(--background);color:var(--text);margin:0;padding:0;font-family:Arial,sans-serif;line-height:1.6;transition:background-color .25s,color .25s}#root{min-height:100dvh;padding-top:env(safe-area-inset-top);padding-right:env(safe-area-inset-right);padding-bottom:env(safe-area-inset-bottom);padding-left:env(safe-area-inset-left)}button,a,input,select,textarea{-webkit-tap-highlight-color:#0000}.app-shell{flex-direction:column;width:100%;min-height:100vh;display:flex;position:relative}.sidebar{background-color:var(--dark-gold);color:#fff;z-index:9999;align-items:center;width:100%;min-height:72px;padding:0 24px;display:flex;position:sticky;top:0;left:0;overflow:visible;box-shadow:0 4px 16px #0000002e}.sidebar-dropdown{background:var(--dark-gold);z-index:10000;border-radius:14px;flex-direction:column;gap:10px;width:320px;max-height:80vh;padding:14px;display:flex;position:absolute;top:72px;right:24px;overflow-y:auto;box-shadow:0 12px 30px #00000047}.sidebar-dropdown ul{flex-direction:column;gap:8px;margin:0;padding:0;list-style:none;display:flex}.sidebar-dropdown ul 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14px;font-size:1.18rem;font-weight:700;line-height:1.3}.lending-scorecard-page h4{letter-spacing:.04em;text-transform:uppercase;margin:0 0 10px;font-size:.9rem;font-weight:700;line-height:1.4}.lending-scorecard-page label,.loan-form-label{color:#475569;letter-spacing:.06em;text-transform:uppercase;font-size:.74rem;font-weight:700}.loan-form-input,.loan-form-select,.lending-scorecard-page textarea{color:#1f2937;background:#fff;border:1px solid #cbd5e1;border-radius:8px;min-height:42px;padding:10px 12px;font-size:.95rem;box-shadow:inset 0 1px 2px #0f172a0a}.loan-form-input:focus,.loan-form-select:focus,.lending-scorecard-page textarea:focus{border-color:#2563eb;outline:none;box-shadow:0 0 0 3px #2563eb1f}.loan-checkbox-row{background:#fff;border:1px solid #e2e8f0;border-radius:8px;min-height:42px}.loan-toolbar-button,.loan-inline-button,.loan-stepper-button,.loan-footer-button{letter-spacing:.03em;border-radius:8px;font-weight:700;transition:all 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