:root{--text:#475569;--text-h:#0f172a;--bg:#f1f5f9;--border:#e2e8f0;--card-bg:#fff;--accent:#2563eb;--accent-soft:#eff6ff;--negative:#b91c1c;--status-resolved:#166534;--status-resolved-bg:#dcfce7;--status-written-off:#7c2d12;--status-written-off-bg:#ffedd5;--status-open:#1e40af;--status-open-bg:#dbeafe;--status-cured:#5b21b6;--status-cured-bg:#ede9fe;--shadow:0 1px 2px #0f172a0a, 0 1px 8px #0f172a0a;--sans:system-ui, "Segoe UI", Roboto, sans-serif;--mono:ui-monospace, Consolas, monospace;font:16px/145% var(--sans);color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}*{box-sizing:border-box}body{margin:0}#root{max-width:1280px;margin:0 auto;padding:32px 24px 48px}h1,h2,h3{color:var(--text-h);letter-spacing:-.01em;font-weight:600}.app-header{margin-bottom:28px}.app-header h1{margin:0 0 12px;font-size:32px}.app-header p{color:var(--text);margin:0;font-size:15px;line-height:1.7}.step-nav{background:var(--card-bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:10px;gap:4px;margin-bottom:28px;padding:10px 14px;display:flex}.step-indicator{color:var(--text);border-radius:6px;flex:1;justify-content:center;align-items:center;gap:8px;padding:8px 14px;font-size:13px;display:flex}.step-indicator.active{background:var(--accent-soft);color:var(--accent);font-weight:600}.step-indicator.completed{color:var(--accent)}.step-indicator.clickable{cursor:pointer}.step-indicator.clickable:hover{background:var(--accent-soft)}.step-number{border:2px solid var(--border);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;width:24px;height:24px;font-size:12px;font-weight:700;display:inline-flex}.step-indicator.active .step-number,.step-indicator.completed .step-number{border-color:var(--accent);background:var(--accent);color:#fff}.upload-panel,.construct-defaults-panel,.calculate-lgd-panel,.vintage-stability-panel,.downturn-calibration-panel,.report-panel{flex-direction:column;gap:24px;display:flex}.step-intro{color:var(--text);margin:0;font-size:14px;line-height:1.6}.upload-section h3{margin:0 0 8px;font-size:18px}.upload-section p{color:var(--text);margin:0 0 16px;font-size:14px}.upload-actions{align-items:center;gap:12px;display:flex}.file-name{color:var(--text);margin:8px 0 0;font-size:13px}.primary-button{background:var(--accent);color:#fff;cursor:pointer;border:none;border-radius:6px;align-items:center;padding:10px 20px;font-size:14px;font-weight:600;transition:opacity .15s;display:inline-flex}.primary-button:hover{opacity:.9}.primary-button:disabled{opacity:.5;cursor:default}.toolbar{background:var(--card-bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:10px;flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:16px;padding:14px 18px;display:flex}.toolbar-title{letter-spacing:.05em;text-transform:uppercase;color:var(--text);margin:0 0 10px;font-size:12px;font-weight:600}.upload-portfolio{flex-wrap:wrap;align-items:flex-end;gap:10px;display:flex}.upload-button,.link-button{border:1px solid var(--border);background:var(--card-bg);color:var(--text-h);cursor:pointer;border-radius:6px;align-items:center;padding:8px 14px;font-size:14px;font-weight:500;text-decoration:none;transition:border-color .15s,color .15s;display:inline-flex}.upload-button:hover,.link-button:hover{border-color:var(--accent);color:var(--accent)}.upload-error{color:var(--negative);width:100%;font-size:14px}.assumptions-panel{background:var(--card-bg);border:1px solid var(--border);width:100%;box-shadow:var(--shadow);border-radius:10px;flex-wrap:wrap;align-items:flex-end;gap:20px;padding:16px 20px;display:flex}.staging-controls{flex-wrap:wrap;align-items:flex-end;gap:16px;display:flex}.staging-field{letter-spacing:.03em;text-transform:uppercase;color:var(--text);flex-direction:column;gap:5px;font-size:12px;font-weight:600;display:flex}.staging-field input{border:1px solid var(--border);background:var(--card-bg);font-size:13px;font-family:var(--mono);color:var(--text-h);border-radius:6px;width:90px;padding:6px 10px}.staging-field input:focus{border-color:var(--accent);outline:none}.staging-field input:disabled{opacity:.6;cursor:not-allowed}.field-hint{text-transform:none;color:var(--text);opacity:.8;margin:0;font-size:11px;font-weight:400}.field-group{letter-spacing:.03em;text-transform:uppercase;color:var(--text);flex-direction:column;gap:5px;font-size:12px;font-weight:600;display:flex}.field-label{letter-spacing:.03em;text-transform:uppercase;color:var(--text);font-size:12px;font-weight:600}.field-group select{border:1px solid var(--border);background:var(--card-bg);color:var(--text-h);border-radius:6px;padding:8px 10px;font-size:14px}.downturn-row{flex-wrap:wrap;align-items:flex-end;gap:14px;display:flex}.year-selector{flex-wrap:wrap;gap:8px;display:flex}.year-chip{border:1px solid var(--border);background:var(--card-bg);color:var(--text);font-size:13px;font-weight:600;font-family:var(--mono);cursor:pointer;border-radius:8px;padding:8px 14px;transition:background .15s,color .15s,border-color .15s}.year-chip:hover{border-color:var(--accent)}.year-chip.stress{background:var(--negative);border-color:var(--negative);color:#fff}.year-chip.benign{color:#fff;background:#22c55e;border-color:#22c55e}.year-legend{color:var(--text);align-items:center;gap:6px;font-size:12px;display:flex}.year-legend-swatch{border-radius:3px;width:12px;height:12px;margin-left:12px;display:inline-block}.year-legend-swatch:first-child{margin-left:0}.year-legend-swatch.stress{background:var(--negative)}.year-legend-swatch.benign{background:#22c55e}.toggle-label{color:var(--text-h);cursor:pointer;align-items:center;gap:8px;font-size:14px;font-weight:500;display:flex}.toggle-label input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent);cursor:pointer}.toggle-group{border:1px solid var(--border);border-radius:6px;width:fit-content;display:flex;overflow:hidden}.toggle-btn{background:var(--card-bg);color:var(--text);cursor:pointer;white-space:nowrap;border:none;padding:6px 12px;font-family:inherit;font-size:13px;font-weight:500;transition:background .15s,color .15s}.toggle-btn+.toggle-btn{border-left:1px solid var(--border)}.toggle-btn.active{background:var(--accent);color:#fff}.toggle-btn:not(.active):hover{background:var(--accent-soft);color:var(--text-h)}.apply-button{border:1px solid var(--accent);background:var(--accent);color:#fff;cursor:pointer;border-radius:6px;padding:8px 16px;font-size:14px;font-weight:500;transition:opacity .15s}.apply-button:disabled{opacity:.4;cursor:default}.summary-cards{grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:16px;display:grid}.summary-card{background:var(--card-bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:10px;padding:16px 18px}.summary-card-label{letter-spacing:.04em;text-transform:uppercase;color:var(--text);margin-bottom:8px;font-size:12px;font-weight:600}.summary-card-value{color:var(--text-h);margin-bottom:4px;font-size:26px;font-weight:700;line-height:1.1}.summary-card-sub{color:var(--text);font-size:12px}.charts-row{grid-template-columns:repeat(auto-fill,minmax(420px,1fr));gap:20px;display:grid}.charts-flex-row{flex-wrap:wrap;gap:20px;display:flex}.chart-card{background:var(--card-bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:10px;padding:18px 20px}.chart-card h3{margin:0 0 4px;font-size:15px}.chart-note{color:var(--text);margin:0 0 14px;font-size:12px}.chart-table-wrapper{overflow-x:auto}.table-wrapper{background:var(--card-bg);border:1px solid var(--border);box-shadow:var(--shadow);border-radius:10px;overflow-x:auto}.table-filter-bar{border-bottom:1px solid var(--border);padding:14px 16px}.loan-table{border-collapse:collapse;width:100%;font-size:13px}.loan-table th{text-align:left;letter-spacing:.04em;text-transform:uppercase;color:var(--text);border-bottom:1px solid var(--border);background:var(--bg);white-space:nowrap;padding:10px 12px;font-size:11px;font-weight:600}.loan-table td{border-bottom:1px solid var(--border);color:var(--text-h);white-space:nowrap;padding:9px 12px}.loan-table tr:last-child td{border-bottom:none}.loan-table tr:hover td{background:var(--accent-soft)}.loan-table .num{text-align:right;font-family:var(--mono);font-size:12px}.loan-table .mono{font-family:var(--mono);font-size:12px}.loan-table .bold{font-weight:600}.pagination{border-top:1px solid var(--border);color:var(--text);justify-content:space-between;align-items:center;padding:12px 16px;font-size:12px;display:flex}.pagination-controls{align-items:center;gap:10px;display:flex}.pagination-page{font-family:var(--mono);font-size:12px}.status-badge{letter-spacing:.03em;border-radius:4px;padding:2px 8px;font-size:11px;font-weight:600;display:inline-block}.status-resolved{background:var(--status-resolved-bg);color:var(--status-resolved)}.status-written-off{background:var(--status-written-off-bg);color:var(--status-written-off)}.status-open{background:var(--status-open-bg);color:var(--status-open)}.status-cured{background:var(--status-cured-bg);color:var(--status-cured)}.cell-partial{background:var(--status-open-bg);color:var(--status-open);font-weight:600}.status-message{color:var(--text);background:var(--card-bg);border:1px solid var(--border);border-radius:8px;padding:14px 18px;font-size:14px}.status-message.error{color:var(--negative);border-color:var(--negative)}