:root {
  --bg: #f5f6f8;
  --card: #ffffff;
  --border: #e3e5ea;
  --text: #23262b;
  --muted: #6b7078;
  --accent: #185fa5;
  --accent-dark: #0c447c;
  --accent-light: #e6f1fb;
  --green: #0f6e56;
  --green-bg: #e1f5ee;
  --red: #a32d2d;
  --red-bg: #fcebeb;
  --amber: #854f0b;
  --amber-bg: #faeeda;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: "Segoe UI", "Microsoft YaHei", system-ui, sans-serif;
  font-size: 14px;
  color: var(--text);
  background: var(--bg);
}
h1 { font-size: 20px; margin: 0 0 4px; }
h2 { font-size: 15px; font-weight: 500; margin: 0 0 14px; }
.muted { color: var(--muted); }
.hidden { display: none !important; }

.center-wrap { min-height: 100vh; display: flex; align-items: center; justify-content: center; padding: 20px; }
.card { background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 20px; margin-bottom: 16px; }
.login-card { width: 380px; }
.demo-code {
  background: var(--amber-bg); border: 1px solid #efc98a; color: var(--amber);
  border-radius: 8px; padding: 10px 12px; margin: 8px 0; font-size: 14px;
}
.err { color: var(--red); font-size: 13px; min-height: 18px; margin: 6px 0; }
.hint { color: var(--muted); font-size: 12px; line-height: 1.6; margin: 12px 0 0; }

.field { margin-bottom: 12px; }
.field label { display: block; font-size: 12px; color: var(--muted); margin-bottom: 4px; }
input, select, textarea {
  width: 100%; padding: 8px 10px; border: 1px solid var(--border); border-radius: 8px;
  font-size: 14px; font-family: inherit; background: #fff; color: var(--text);
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--accent); }
.row { display: flex; gap: 8px; align-items: center; }
.row-end { display: flex; gap: 8px; justify-content: flex-end; margin-top: 12px; }
.row-between { display: flex; gap: 12px; align-items: center; justify-content: space-between; margin-bottom: 12px; }
.row-between h2 { margin: 0; }
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 14px; }
.grid4 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 14px; }

.btn {
  padding: 8px 16px; border-radius: 8px; border: 1px solid var(--border);
  font-size: 14px; cursor: pointer; background: #fff; color: var(--text); font-family: inherit;
}
.btn-primary { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-dark); }
.btn-ghost { background: #fff; }
.btn-block { width: 100%; margin-top: 8px; }
.btn-sm { padding: 4px 10px; font-size: 12px; }

.topbar {
  background: var(--card); border-bottom: 1px solid var(--border);
  display: flex; justify-content: space-between; align-items: center; padding: 12px 24px;
}
.brand { font-size: 15px; font-weight: 500; }
.userbox { font-size: 13px; color: var(--muted); }
.userbox a { color: var(--accent); text-decoration: none; }

.tabs { display: flex; gap: 4px; padding: 10px 24px 0; }
.tab {
  padding: 9px 18px; border: 1px solid var(--border); border-bottom: none;
  border-radius: 10px 10px 0 0; background: #eceef1; color: var(--muted);
  font-size: 14px; cursor: pointer; font-family: inherit;
}
.tab.active { background: var(--card); color: var(--accent-dark); font-weight: 500; }

main { padding: 0 24px 40px; }
section > .card:first-child { margin-top: 0; border-radius: 0 12px 12px 12px; }

.tbl { width: 100%; border-collapse: collapse; font-size: 13px; }
.tbl th {
  text-align: left; font-weight: 500; color: var(--muted); font-size: 12px;
  padding: 8px 10px; border-bottom: 1px solid var(--border); white-space: nowrap;
}
.tbl td { padding: 9px 10px; border-bottom: 1px solid #f0f1f4; vertical-align: top; }
.tbl tr:hover td { background: #fafbfc; }

.badge { display: inline-block; padding: 2px 10px; border-radius: 999px; font-size: 12px; white-space: nowrap; }
.badge-pass { background: var(--green-bg); color: var(--green); }
.badge-fail { background: var(--red-bg); color: var(--red); }
.badge-manual { background: var(--amber-bg); color: var(--amber); }

.summary {
  background: var(--accent-light); border: 1px solid #b5d4f4; border-radius: 12px;
  padding: 12px 16px; margin-bottom: 16px; font-size: 13px; color: var(--accent-dark);
}

.reason { color: var(--red); font-size: 12px; }
.reason-note { color: var(--muted); font-size: 12px; }
.rate-num { font-weight: 500; color: var(--accent-dark); }

.rules-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.rule-card { border: 1px solid var(--border); border-radius: 10px; padding: 14px 16px; }
.rule-card h3 { margin: 0 0 8px; font-size: 14px; font-weight: 500; }
.rule-card ul { margin: 0; padding-left: 18px; font-size: 13px; line-height: 1.8; color: var(--text); }
.rule-card .note { color: var(--muted); font-size: 12px; margin-top: 6px; }

.modal {
  position: fixed; inset: 0; background: rgba(30, 33, 38, 0.45);
  display: flex; align-items: center; justify-content: center; padding: 20px; z-index: 10;
}
.modal-card { background: #fff; border-radius: 14px; padding: 22px; width: 720px; max-width: 100%; max-height: 90vh; overflow: auto; }

/* 角色徽章与权限 */
.role-badge{display:inline-block;margin-left:8px;padding:1px 8px;border-radius:10px;font-size:11px;font-weight:600;background:#eef2fb;color:#3a5ccc;border:1px solid #cdd8f2;vertical-align:1px}
#me-role.role-badge{display:none}
#me-name + #me-role.role-badge{display:inline-block}
#c-phone:disabled,#c-email:disabled{background:#f4f4f4;color:#999;cursor:not-allowed}
/* 合并搜索（多条件 AND） */
.cb-row{display:flex;gap:6px;margin-bottom:6px;position:relative}
.cb-row input{flex:1}
.cb-del{padding:5px 12px;flex:0 0 auto}
.cb-sug{display:none;position:absolute;top:100%;left:0;right:42px;background:#fff;border:1px solid #d8d8d8;border-radius:8px;box-shadow:0 6px 18px rgba(0,0,0,.14);z-index:30;max-height:220px;overflow:auto;margin-top:2px}
.cb-sug.show{display:block}
.cb-sug-item{padding:6px 10px;cursor:pointer;font-size:13px;border-bottom:1px solid #f2f2f2}
.cb-sug-item:last-child{border-bottom:none}
.cb-sug-item:hover{background:#eef2fb}
.cb-sug-empty{padding:6px 10px;color:#999;font-size:12px}
.badge-ok{background:#e6f6ea;color:#1c7c3c;border:1px solid #bfe5c9}
.badge-partial{background:#fff7e0;color:#9a6b00;border:1px solid #f0ddad}
details.combo-bank{border:1px solid #e3e3e3;border-radius:8px;padding:8px 12px;background:#fafafa;margin-bottom:8px}
details.combo-bank summary{cursor:pointer;font-weight:600}
details.combo-bank summary .badge{margin-left:6px;font-weight:600}

/* Lender Criteria 双栏：左准则库 / 右 AI 助手 */
.crit-layout{display:flex;gap:16px;align-items:flex-start}
.crit-left{flex:1;min-width:0}
.crit-right{flex:0 0 360px;width:360px;position:sticky;top:12px}
@media(max-width:1000px){
  .crit-layout{flex-direction:column}
  .crit-right{flex:auto;width:auto;position:static}
}
.chat-card{display:flex;flex-direction:column}
.chat-box{
  height:340px;overflow:auto;border:1px solid var(--border);border-radius:10px;
  padding:10px;background:#fafbfc;display:flex;flex-direction:column;gap:8px;
}
.chat-msg{max-width:94%;padding:8px 12px;border-radius:12px;font-size:13px;line-height:1.55;word-break:break-word}
.chat-msg.user{align-self:flex-end;background:var(--accent);color:#fff;border-bottom-right-radius:2px}
.chat-msg.ai{align-self:flex-start;background:#fff;border:1px solid var(--border);border-bottom-left-radius:2px}
.chat-input-row{display:flex;gap:8px;margin-top:8px}
.chat-input-row textarea{flex:1;resize:none}
.chat-input-row .btn{white-space:nowrap;align-self:stretch}
.ai-src{margin-top:6px;font-size:12px}
.ai-src ul{margin:6px 0 0;padding-left:16px;line-height:1.6}
.ai-src .badge{font-size:11px;padding:1px 8px}