:root {
  --primary: #0a2540;
  --accent: #00b4d8;
  --gold: #c9a84c;
  --light: #f4f7fb;
  --dark: #061527;
  --text: #1a2e44;
  --muted: #6b7c93;
  --white: #ffffff;
  --danger: #e63946;
  --success: #2dc653;
  --border: #d9e2ec;
  --shadow: 0 4px 24px rgba(10,37,64,.10);
  --radius: 12px;
  --font: 'Segoe UI', system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: var(--font); color: var(--text); background: var(--light); line-height: 1.6; }
a { color: var(--accent); text-decoration: none; }
img { max-width: 100%; }

/* ── NAV ── */
.nav {
  background: var(--primary);
  padding: 0 5%;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px; position: sticky; top: 0; z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,.3);
}
.nav-brand { color: var(--white); font-size: 1.5rem; font-weight: 700; letter-spacing: -0.5px; }
.nav-brand span { color: var(--accent); }
.nav-links { display: flex; gap: 2rem; list-style: none; }
.nav-links a { color: rgba(255,255,255,.8); font-size: .93rem; transition: color .2s; }
.nav-links a:hover { color: var(--accent); }
.nav-cta { background: var(--accent); color: var(--primary) !important; padding: .45rem 1.2rem;
  border-radius: 30px; font-weight: 600; font-size: .88rem; }
.nav-cta:hover { background: var(--gold) !important; color: var(--white) !important; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px 0; transition: .3s; }
@media(max-width:768px){
  .nav-links { display: none; flex-direction: column; position: absolute; top: 70px; left:0; right:0;
    background: var(--primary); padding: 1rem 5% 1.5rem; gap: 1rem; }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
}

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--dark) 0%, var(--primary) 60%, #0d3b6e 100%);
  padding: 100px 5% 80px; text-align: center; position: relative; overflow: hidden;
}
.hero::before {
  content:''; position:absolute; inset:0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%2300b4d8' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events:none;
}
.hero-badge { display:inline-block; background: rgba(0,180,216,.15); color: var(--accent);
  border:1px solid rgba(0,180,216,.3); border-radius:30px; padding:.3rem 1rem; font-size:.8rem;
  letter-spacing:.5px; text-transform:uppercase; margin-bottom:1.5rem; }
.hero h1 { font-size: clamp(2rem,5vw,3.8rem); color: var(--white); font-weight:800; line-height:1.1;
  max-width:800px; margin:0 auto 1.2rem; }
.hero h1 span { color: var(--accent); }
.hero p { color: rgba(255,255,255,.7); font-size: 1.1rem; max-width:560px; margin:0 auto 2.5rem; }
.btn { display:inline-block; padding:.75rem 2rem; border-radius:30px; font-weight:600; font-size:.95rem;
  cursor:pointer; border:none; transition:all .25s; }
.btn-primary { background: var(--accent); color: var(--primary); }
.btn-primary:hover { background: var(--gold); color: var(--white); transform:translateY(-2px); box-shadow:0 8px 24px rgba(0,180,216,.3); }
.btn-outline { background: transparent; color: var(--white); border:2px solid rgba(255,255,255,.3); margin-left:1rem; }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }
.hero-stats { display:flex; justify-content:center; gap:3rem; margin-top:4rem; flex-wrap:wrap; }
.stat { text-align:center; }
.stat-num { font-size:2rem; font-weight:800; color: var(--white); }
.stat-label { font-size:.8rem; color: rgba(255,255,255,.5); text-transform:uppercase; letter-spacing:.5px; }

/* ── SECTIONS ── */
section { padding: 80px 5%; }
.section-title { text-align:center; margin-bottom:3rem; }
.section-title h2 { font-size:clamp(1.6rem,3vw,2.4rem); color: var(--primary); font-weight:800; }
.section-title p { color: var(--muted); margin-top:.5rem; font-size:1rem; }

/* ── CARDS ── */
.grid-3 { display:grid; grid-template-columns:repeat(auto-fit,minmax(280px,1fr)); gap:1.5rem; }
.grid-4 { display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:1.5rem; }
.card { background: var(--white); border-radius: var(--radius); padding:2rem; box-shadow: var(--shadow);
  border:1px solid var(--border); transition: transform .2s, box-shadow .2s; }
.card:hover { transform:translateY(-4px); box-shadow:0 12px 40px rgba(10,37,64,.15); }
.card-icon { width:52px; height:52px; background: linear-gradient(135deg,var(--accent),#0077b6);
  border-radius:12px; display:flex; align-items:center; justify-content:center;
  font-size:1.5rem; margin-bottom:1.2rem; }
.card h3 { font-size:1.1rem; color:var(--primary); margin-bottom:.5rem; }
.card p { color:var(--muted); font-size:.9rem; }

/* ── TABLE ── */
.table-wrap { overflow-x:auto; }
table { width:100%; border-collapse:collapse; background:var(--white); border-radius:var(--radius);
  overflow:hidden; box-shadow:var(--shadow); }
th { background:var(--primary); color:var(--white); padding:1rem 1.2rem; text-align:left;
  font-size:.85rem; letter-spacing:.3px; }
td { padding:.85rem 1.2rem; border-bottom:1px solid var(--border); font-size:.9rem; }
tr:last-child td { border-bottom:none; }
tr:hover td { background:#f0f7ff; }
.badge { display:inline-block; padding:.2rem .7rem; border-radius:20px; font-size:.75rem; font-weight:600; }
.badge-active { background:#dcfce7; color:#166534; }
.badge-pending { background:#fef9c3; color:#854d0e; }
.badge-claims { background:#fee2e2; color:#991b1b; }
.badge-broker { background:#e0f2fe; color:#0369a1; }

/* ── FORM ── */
.form-group { margin-bottom:1.2rem; }
label { display:block; font-size:.85rem; font-weight:600; color:var(--text); margin-bottom:.4rem; }
input, select, textarea {
  width:100%; padding:.75rem 1rem; border:1.5px solid var(--border);
  border-radius:8px; font-family:inherit; font-size:.93rem; color:var(--text);
  background:var(--white); transition:border .2s; }
input:focus, select:focus, textarea:focus { outline:none; border-color:var(--accent); }
textarea { resize:vertical; min-height:100px; }

/* ── SIDEBAR LAYOUT ── */
.app-layout { display:flex; min-height:100vh; }
.sidebar {
  width:240px; background:var(--primary); min-height:100vh;
  padding:1.5rem 0; position:fixed; top:0; left:0; overflow-y:auto;
  transition: transform .3s; z-index:900;
}
.sidebar-brand { padding:.8rem 1.5rem 1.5rem; font-size:1.2rem; font-weight:700; color:var(--white); }
.sidebar-brand span { color:var(--accent); }
.sidebar-nav { list-style:none; }
.sidebar-nav li a {
  display:flex; align-items:center; gap:.75rem; padding:.8rem 1.5rem;
  color:rgba(255,255,255,.65); font-size:.9rem; transition:all .2s;
}
.sidebar-nav li a:hover, .sidebar-nav li a.active {
  background:rgba(0,180,216,.15); color:var(--accent); border-left:3px solid var(--accent);
}
.sidebar-nav .nav-section { padding:.5rem 1.5rem; font-size:.7rem; text-transform:uppercase;
  letter-spacing:1px; color:rgba(255,255,255,.3); margin-top:1rem; }
.main-content { margin-left:240px; flex:1; padding:2rem; background:var(--light); }
@media(max-width:900px){
  .sidebar { transform:translateX(-100%); }
  .sidebar.open { transform:translateX(0); }
  .main-content { margin-left:0; }
}
.top-bar { display:flex; align-items:center; justify-content:space-between;
  background:var(--white); padding:1rem 1.5rem; border-radius:var(--radius);
  box-shadow:var(--shadow); margin-bottom:2rem; }
.top-bar-title { font-weight:700; font-size:1.1rem; color:var(--primary); }
.user-chip { display:flex; align-items:center; gap:.6rem; }
.avatar { width:36px; height:36px; border-radius:50%; background:var(--accent);
  display:flex; align-items:center; justify-content:center; color:var(--primary); font-weight:700; }

/* ── METRIC CARDS ── */
.metrics { display:grid; grid-template-columns:repeat(auto-fit,minmax(180px,1fr)); gap:1.2rem; margin-bottom:2rem; }
.metric { background:var(--white); border-radius:var(--radius); padding:1.5rem; box-shadow:var(--shadow); }
.metric-value { font-size:1.8rem; font-weight:800; color:var(--primary); }
.metric-label { font-size:.8rem; color:var(--muted); margin-top:.2rem; }
.metric-change { font-size:.78rem; font-weight:600; margin-top:.4rem; }
.up { color:var(--success); } .down { color:var(--danger); }

/* ── LOGIN PAGE ── */
.login-page { min-height:100vh; background:linear-gradient(135deg,var(--dark),var(--primary));
  display:flex; align-items:center; justify-content:center; padding:2rem; }
.login-card { background:var(--white); border-radius:20px; padding:3rem 2.5rem;
  width:100%; max-width:420px; box-shadow:0 24px 80px rgba(0,0,0,.4); }
.login-logo { text-align:center; margin-bottom:2rem; font-size:1.8rem; font-weight:800; color:var(--primary); }
.login-logo span { color:var(--accent); }
.creds-hint { background:#f0f9ff; border:1px solid #bae6fd; border-radius:8px;
  padding:1rem; margin-bottom:1.5rem; font-size:.82rem; color:#0369a1; }
.creds-hint strong { display:block; margin-bottom:.4rem; }
.creds-row { display:flex; justify-content:space-between; padding:.15rem 0;
  border-bottom:1px dashed #bae6fd; }
.creds-row:last-child { border-bottom:none; }

/* ── FOOTER ── */
footer { background:var(--dark); color:rgba(255,255,255,.6); padding:3rem 5% 1.5rem; }
.footer-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(200px,1fr)); gap:2rem; margin-bottom:2rem; }
.footer-brand h3 { color:var(--white); font-size:1.3rem; margin-bottom:.5rem; }
.footer-brand h3 span { color:var(--accent); }
.footer-links h4 { color:var(--white); font-size:.9rem; margin-bottom:.8rem; }
.footer-links ul { list-style:none; }
.footer-links li { margin-bottom:.4rem; }
.footer-links a { color:rgba(255,255,255,.5); font-size:.85rem; transition:color .2s; }
.footer-links a:hover { color:var(--accent); }
.footer-bottom { border-top:1px solid rgba(255,255,255,.1); padding-top:1.2rem;
  display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:.5rem;
  font-size:.8rem; }

/* ── UTILITIES ── */
.text-center{text-align:center;} .mt-2{margin-top:2rem;} .mb-1{margin-bottom:1rem;}
.bg-primary{background:var(--primary);} .text-white{color:var(--white);}
.pill-row{display:flex;gap:.5rem;flex-wrap:wrap;margin-bottom:1rem;}
.pill{padding:.3rem .9rem;border-radius:20px;font-size:.78rem;font-weight:600;
  background:rgba(0,180,216,.12);color:var(--accent);border:1px solid rgba(0,180,216,.25);}
.pill.active{background:var(--accent);color:var(--primary);}