:root{
  --bg:#f4f6fb;
  --card:#ffffff;
  --ink:#0f1c3f;
  --ink-soft:#3a4a73;
  --muted:#6b7896;
  --line:#e3e7f1;
  --primary:#1f4ed8;
  --primary-dark:#163aae;
  --accent:#0ea98a;
  --warn:#b9491b;
  --danger:#c0392b;
  --warn-bg:#fff5e6;
  --ok-bg:#e6faf3;
  --info-bg:#eaf0fe;
  --shadow:0 6px 30px rgba(15,28,63,.07);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:"Heebo","Arial",sans-serif;
  background:var(--bg);
  color:var(--ink);
  font-size:15px;
  line-height:1.55;
  min-height:100vh;
}

.container{max-width:1280px;margin:0 auto;padding:0 24px}

/* ===== Topbar ===== */
.topbar{background:linear-gradient(135deg,#0f1c3f 0%,#1f4ed8 100%);color:#fff;padding:18px 0;box-shadow:var(--shadow)}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px}
.brand{display:flex;align-items:center;gap:14px}
.brand h1{font-size:22px;margin:0;font-weight:700}
.brand-logo{height:62px;width:auto;display:block;margin-left:6px;filter:drop-shadow(0 4px 12px rgba(0,0,0,.18))}
.brand p{margin:4px 0 0;font-size:13px;opacity:.85;max-width:780px}

/* כוכביות חובה אדומות — מתווספות אוטומטית ע״י JS */
.req-asterisk { color: #e74c3c; font-weight: 700; margin-right: 3px; font-size: 15px; }

/* Auth area בכותרת */
.auth-area { display: flex; gap: 8px; margin-bottom: 4px; }
.auth-area .btn-link {
  color: #fff; text-decoration: none; font-size: 13px; font-weight: 600;
  padding: 6px 14px; border: 1px solid rgba(255,255,255,.4); border-radius: 8px;
  transition: all .15s;
}
.auth-area .btn-link:hover { background: rgba(255,255,255,.15); }
.auth-area .user-badge {
  background: rgba(255,255,255,.18); padding: 6px 12px; border-radius: 8px;
  font-size: 13px; font-weight: 600;
}
.auth-area .user-badge a { color: #fff; text-decoration: underline; margin-right: 8px; }
.brand p.credit{margin-top:6px;font-size:12.5px;opacity:.92;background:rgba(255,255,255,.1);padding:4px 10px;border-radius:6px;display:inline-block}
.brand p.credit strong{color:#fff}

.topbar-actions{display:flex;flex-direction:column;gap:6px;align-items:flex-end}
.email-link{font-size:12px;color:#cfd6ea;text-decoration:none}
.email-link:hover{color:#fff;text-decoration:underline}
.primary-light{background:#fff;color:var(--primary);border:0}
.primary-light:hover{background:#eaf0fe}

/* Modal */
.modal{position:fixed;inset:0;background:rgba(15,28,63,.55);display:flex;align-items:center;justify-content:center;z-index:9999;padding:20px}
.modal.hidden{display:none}
.modal-content{background:#fff;border-radius:14px;padding:28px;max-width:520px;width:100%;max-height:90vh;overflow-y:auto;position:relative;box-shadow:0 20px 60px rgba(0,0,0,.3)}
.modal-content h2{margin:0 0 6px}
.modal-content .muted{color:var(--muted);font-size:13.5px;margin:0 0 16px}
.modal-content .small{font-size:12px}
.modal-content form label{margin-bottom:10px;display:flex;flex-direction:column}
.modal-content textarea{border:1px solid var(--line);border-radius:9px;padding:10px;font-family:inherit;resize:vertical;min-height:90px}
.modal-actions{display:flex;gap:10px;margin-top:8px}
.modal-close{position:absolute;top:8px;left:14px;background:transparent;font-size:28px;color:var(--muted);padding:4px 10px;line-height:1}
.modal-close:hover{color:var(--ink)}
.logo{
  width:46px;height:46px;border-radius:12px;
  background:#fff;color:var(--primary);
  display:grid;place-items:center;font-size:24px;font-weight:800;
  box-shadow:0 4px 14px rgba(0,0,0,.18);
}

/* ===== Buttons ===== */
button{font-family:inherit;cursor:pointer;border:0;font-size:15px;border-radius:10px;padding:10px 18px;font-weight:600;transition:all .15s}
button:disabled{opacity:.5;cursor:not-allowed}
.primary{background:var(--primary);color:#fff}
.primary:hover:not(:disabled){background:var(--primary-dark)}
.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}
.ghost:hover{background:rgba(255,255,255,.12)}
.tab-panel .ghost{color:var(--ink);border-color:var(--line)}
.tab-panel .ghost:hover{background:#f3f5fb}

/* ===== Layout ===== */
.main-grid{
  display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);
  gap:24px;padding:28px 24px 60px;
}
@media (max-width:1080px){.main-grid{grid-template-columns:1fr}}

.card{background:var(--card);border-radius:16px;box-shadow:var(--shadow);padding:24px}
.form-card{display:flex;flex-direction:column;gap:22px}

/* ===== Steps ===== */
.step{border-bottom:1px solid var(--line);padding-bottom:22px}
.step:last-of-type{border-bottom:0}
.step-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.step-head h2{font-size:18px;margin:0}
.num{
  width:30px;height:30px;border-radius:50%;
  background:var(--primary);color:#fff;display:grid;place-items:center;font-weight:700;font-size:14px;
}

/* ===== Loan types ===== */
.loan-types{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px}
.loan-type{
  border:2px solid var(--line);border-radius:12px;padding:14px;cursor:pointer;
  background:#fafbfd;transition:all .15s;text-align:right;
}
.loan-type:hover{border-color:var(--primary);background:#fff}
.loan-type.active{border-color:var(--primary);background:var(--info-bg);box-shadow:0 0 0 3px rgba(31,78,216,.12)}
.loan-type strong{display:block;font-size:15px;margin-bottom:4px}
.loan-type small{color:var(--muted);font-size:12.5px;line-height:1.4}

/* ===== Borrower types ===== */
.borrower-types{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:560px){.borrower-types{grid-template-columns:1fr}}
.radio-card{
  border:2px solid var(--line);border-radius:12px;padding:14px;cursor:pointer;
  display:flex;gap:12px;align-items:flex-start;background:#fafbfd;transition:all .15s
}
.radio-card:hover{border-color:var(--primary)}
.radio-card input{margin-top:5px}
.radio-card:has(input:checked){border-color:var(--primary);background:var(--info-bg);box-shadow:0 0 0 3px rgba(31,78,216,.12)}
.radio-card strong{display:block;margin-bottom:4px}
.radio-card small{color:var(--muted);font-size:12.5px}

/* ===== Form fields ===== */
fieldset{border:1px solid var(--line);border-radius:12px;padding:14px;margin:12px 0}
legend{padding:0 8px;font-weight:600;color:var(--ink-soft)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.grid-2 .full{grid-column:1/-1}
@media (max-width:600px){.grid-2{grid-template-columns:1fr}}
label{display:flex;flex-direction:column;gap:6px;font-size:14px;font-weight:500;color:var(--ink-soft)}
input,select{
  border:1px solid var(--line);border-radius:9px;padding:10px 12px;font-size:15px;
  background:#fff;color:var(--ink);font-family:inherit;width:100%;
}
input:focus,select:focus{outline:0;border-color:var(--primary);box-shadow:0 0 0 3px rgba(31,78,216,.14)}
.hint{font-size:13px;color:var(--muted);margin-top:8px}

.actions{display:flex;justify-content:flex-end;gap:10px;margin-top:8px}

/* ===== Info boxes ===== */
.info-box{
  border-radius:12px;padding:14px 16px;margin-top:14px;font-size:14px;line-height:1.6;
  background:var(--info-bg);border:1px solid #cdd9f7;
}
.info-box.warn{background:var(--warn-bg);border-color:#f1cea1}
.info-box.danger{background:#fdecea;border-color:#f5c4be;color:var(--danger)}
.info-box.ok{background:var(--ok-bg);border-color:#a9e6cf}
.info-box h3{margin:0 0 8px;font-size:15px}
.info-box ul{margin:6px 0;padding-right:20px}
.info-box li{margin:3px 0}
.hidden{display:none}

/* ===== Tabs ===== */
.tabs{display:flex;border-bottom:2px solid var(--line);margin:-8px -8px 16px;gap:0;flex-wrap:wrap}
.tab{
  background:transparent;border-radius:0;padding:12px 18px;color:var(--muted);font-weight:600;
  border-bottom:3px solid transparent;margin-bottom:-2px;
}
.tab:hover{color:var(--ink)}
.tab.active{color:var(--primary);border-bottom-color:var(--primary)}
.tab-panel{display:none}
.tab-panel.active{display:block}
.empty-state{text-align:center;color:var(--muted);padding:40px 20px;border:2px dashed var(--line);border-radius:12px}

/* ===== Summary ===== */
.summary-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
@media (max-width:560px){.summary-grid{grid-template-columns:1fr}}
.summary-item{
  background:#fafbfd;border-radius:10px;padding:12px;border:1px solid var(--line);
}
.summary-item .label{font-size:12px;color:var(--muted);font-weight:500;margin-bottom:4px}
.summary-item .value{font-size:17px;font-weight:700;color:var(--ink)}
.compliance-banner{
  padding:14px 16px;border-radius:12px;margin-bottom:14px;font-weight:600;
  display:flex;gap:10px;align-items:center;
}
.compliance-banner.ok{background:var(--ok-bg);color:#0a6b53;border:1px solid #a9e6cf}
.compliance-banner.warn{background:var(--warn-bg);color:var(--warn);border:1px solid #f1cea1}
.compliance-banner.danger{background:#fdecea;color:var(--danger);border:1px solid #f5c4be}
.compliance-banner .icon{font-size:22px}

/* ===== Schedule table ===== */
.sched-wrap{overflow-x:auto;border-radius:10px;border:1px solid var(--line)}
table.schedule{width:100%;border-collapse:collapse;font-size:13.5px}
.schedule th,.schedule td{padding:8px 10px;text-align:right;border-bottom:1px solid var(--line)}
.schedule th{background:#f5f7fc;font-weight:600;color:var(--ink-soft);position:sticky;top:0}
.schedule tr:nth-child(even) td{background:#fafbfd}
.schedule tr.total td{font-weight:700;background:#eef2fb;border-top:2px solid var(--primary)}

/* ===== Agreement document ===== */
.agreement-actions{display:flex;gap:10px;margin-bottom:14px;flex-wrap:wrap}
.agreement-doc{
  background:#fff;border:1px solid var(--line);border-radius:10px;padding:32px 36px;
  font-size:14px;line-height:1.85;color:#111;font-family:"David","Heebo",serif;
  max-width:100%;
}
.agreement-doc h2{text-align:center;font-size:22px;margin:0 0 18px}
.agreement-header{display:flex;align-items:center;gap:24px;margin-bottom:12px}
.agreement-logo{height:80px;width:auto;flex-shrink:0}
.agreement-title{flex:1;text-align:center}
.agreement-title h2{margin:0 0 4px}
.agreement-date{margin:0;font-size:13px;color:#555}
.header-divider{border:0;border-top:2px solid var(--primary);margin:8px 0 22px}
.agreement-doc h3{font-size:16px;margin:18px 0 6px}
.agreement-doc .preamble{margin-bottom:16px}
.agreement-doc ol{padding-right:20px;margin:6px 0}
.agreement-doc ol li{margin:7px 0;text-align:justify}
.agreement-doc .signatures{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:24px;padding-top:18px;border-top:1px solid #ddd}
.agreement-doc .sig-block{border:1px dashed #aaa;border-radius:8px;padding:12px;background:#fafafa}
.agreement-doc .sig-block strong{display:block;margin-bottom:8px}
.agreement-doc .sig-line{border-bottom:1px solid #555;height:22px;margin-top:6px}
.agreement-doc .legal-note{
  background:#fff8e6;border-right:4px solid #b9491b;
  padding:10px 14px;font-size:13px;border-radius:6px;margin:14px 0;
}
.agreement-doc .law-block{
  background:#eaf0fe;border-right:4px solid var(--primary);
  padding:10px 14px;font-size:13px;border-radius:6px;margin:14px 0;
}
.agreement-doc table.summary-table{width:100%;border-collapse:collapse;margin:10px 0}
.agreement-doc table.summary-table th,
.agreement-doc table.summary-table td{border:1px solid #ccc;padding:6px 9px;text-align:right}
.agreement-doc table.summary-table th{background:#f3f5fb}

/* ===== Law tab ===== */
#lawContent h3{margin:18px 0 8px;color:var(--ink)}
#lawContent .law-card{
  border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:12px;
  background:#fafbfd;
}
#lawContent .law-card h4{margin:0 0 6px;color:var(--primary)}
#lawContent table{width:100%;border-collapse:collapse;font-size:13.5px;margin:10px 0}
#lawContent th,#lawContent td{border:1px solid var(--line);padding:8px;text-align:right}
#lawContent th{background:#f3f5fb}

/* ===== Footer ===== */
footer{padding:18px 0;background:#0f1c3f;color:#cfd6ea;text-align:center;font-size:13px}
footer .small{font-size:11.5px;opacity:.7;margin-top:4px}

/* ===== Print ===== */
@media print{
  body *{visibility:hidden}
  #agreementContent,#agreementContent *{visibility:visible}
  #agreementContent{position:absolute;inset:0;padding:0;border:0;box-shadow:none}
  .agreement-actions{display:none}
}

/* Guarantor inputs */
.guarantor-row{
  display:grid;grid-template-columns:1.4fr 1fr 1.4fr;gap:8px;
  border:1px solid var(--line);padding:10px;border-radius:10px;background:#fafbfd;margin-top:8px
}
@media (max-width:560px){.guarantor-row{grid-template-columns:1fr}}
.guarantor-row input{font-size:13.5px;padding:8px}