/* =========================================================================
   EUINVEST BANK — Institutional Design System
   ========================================================================= */
:root {
  /* Core institutional palette */
  --navy-950: #04101f;
  --navy-900: #061a30;
  --navy-800: #0a2540;
  --navy-700: #0e3050;
  --navy-600: #143a61;
  --navy-500: #1c4a78;
  --royal: #16467a;
  --royal-bright: #1d5fb0;

  --gold: #b3893f;
  --gold-soft: #c8a55b;
  --gold-pale: #f3ead6;

  --ink: #0c1726;
  --slate-700: #2e3d52;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-400: #94a3b8;
  --slate-300: #cbd5e1;
  --slate-250: #d8dfe8;
  --slate-200: #e4e9f0;
  --slate-100: #eef2f7;
  --slate-50: #f6f8fb;
  --paper: #fbfcfe;
  --white: #ffffff;

  --green: #15803d;
  --green-bg: #e7f4ec;
  --red: #b42318;
  --red-bg: #fdeceb;
  --amber: #b54708;
  --amber-bg: #fdf2e3;
  --blue: #175cd3;
  --blue-bg: #e8f0fc;

  --accent: var(--navy-800);
  --line: #e2e8f1;

  --radius-xs: 4px;
  --radius-sm: 6px;
  --radius: 9px;
  --radius-lg: 13px;
  --radius-xl: 18px;

  --shadow-xs: 0 1px 2px rgba(10, 37, 64, 0.06);
  --shadow-sm: 0 1px 3px rgba(10, 37, 64, 0.08), 0 1px 2px rgba(10, 37, 64, 0.06);
  --shadow: 0 2px 6px -1px rgba(10, 37, 64, 0.10), 0 8px 24px -10px rgba(10, 37, 64, 0.18);
  --shadow-lg: 0 24px 60px -20px rgba(6, 26, 48, 0.40);

  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--slate-50);
  line-height: 1.55;
  font-size: 15px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select, textarea { font-family: inherit; }
::selection { background: rgba(20, 58, 97, 0.18); }
.serif { font-family: var(--serif); }

.container { width: min(1240px, 94%); margin-inline: auto; }

/* ===================== Buttons ===================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 11px 20px; border-radius: var(--radius-sm); font-weight: 600; font-size: 0.9rem;
  transition: background 0.16s ease, box-shadow 0.18s ease, transform 0.12s, border-color 0.16s, color 0.16s;
  white-space: nowrap; letter-spacing: 0.01em; line-height: 1;
}
.btn svg { width: 16px; height: 16px; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--navy-800); color: #fff; }
.btn-primary:hover { background: var(--navy-700); box-shadow: var(--shadow-sm); }
.btn-gold { background: linear-gradient(180deg, var(--gold-soft), var(--gold)); color: #2a1f08; font-weight: 700; }
.btn-gold:hover { filter: brightness(1.05); }
.btn-dark { background: var(--navy-900); color: #fff; }
.btn-dark:hover { background: var(--navy-800); }
.btn-ghost { background: rgba(255,255,255,0.06); color: #fff; border: 1px solid rgba(255,255,255,0.28); }
.btn-ghost:hover { background: rgba(255,255,255,0.14); }
.btn-light { background: #fff; color: var(--navy-800); border: 1px solid var(--slate-250); }
.btn-light:hover { background: var(--slate-50); border-color: var(--slate-300); }
.btn-outline { background: transparent; border: 1px solid var(--slate-300); color: var(--slate-700); }
.btn-outline:hover { border-color: var(--navy-700); color: var(--navy-800); background: var(--slate-50); }
.btn-success { background: var(--green); color: #fff; }
.btn-success:hover { filter: brightness(1.07); }
.btn-danger { background: #fff; color: var(--red); border: 1px solid #f2c4c0; }
.btn-danger:hover { background: var(--red-bg); }
.btn-danger-solid { background: var(--red); color: #fff; }
.btn-sm { padding: 8px 13px; font-size: 0.82rem; }
.btn-xs { padding: 6px 10px; font-size: 0.76rem; border-radius: var(--radius-xs); }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.55; cursor: not-allowed; transform: none; }

/* ===================== Forms ===================== */
.field { margin-bottom: 15px; }
.field label { display: block; font-size: 0.8rem; font-weight: 600; color: var(--slate-700); margin-bottom: 6px; }
.input, select.input, textarea.input {
  width: 100%; padding: 11px 13px; border-radius: var(--radius-sm);
  border: 1px solid var(--slate-250); background: #fff; font-size: 0.92rem; color: var(--ink);
  transition: border 0.15s, box-shadow 0.15s;
}
.input:focus, select.input:focus, textarea.input:focus {
  outline: none; border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(20, 58, 97, 0.12);
}
.input::placeholder { color: var(--slate-400); }
textarea.input { resize: vertical; min-height: 90px; }
.field-row { display: flex; gap: 14px; }
.field-row .field { flex: 1; }
.field-hint { font-size: 0.76rem; color: var(--slate-500); margin-top: 5px; }
.form-error { background: var(--red-bg); color: var(--red); border: 1px solid #f3ccc8; padding: 10px 13px; border-radius: var(--radius-sm); font-size: 0.86rem; margin-bottom: 14px; }
.form-success { background: var(--green-bg); color: var(--green); border: 1px solid #bfe3cb; padding: 10px 13px; border-radius: var(--radius-sm); font-size: 0.86rem; margin-bottom: 14px; }
.form-note { background: var(--blue-bg); color: var(--blue); border: 1px solid #cfe0f7; padding: 10px 13px; border-radius: var(--radius-sm); font-size: 0.85rem; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: 0.86rem; color: var(--slate-700); cursor: pointer; }
.checkbox-row input { margin-top: 3px; }

/* File upload */
.upload {
  border: 1.5px dashed var(--slate-300); border-radius: var(--radius); padding: 18px; text-align: center;
  cursor: pointer; transition: border 0.15s, background 0.15s; background: var(--slate-50);
}
.upload:hover { border-color: var(--navy-600); background: #fff; }
.upload.filled { border-style: solid; border-color: var(--green); background: var(--green-bg); }
.upload svg { width: 26px; height: 26px; color: var(--slate-400); margin-bottom: 6px; }
.upload .u-name { font-size: 0.82rem; color: var(--slate-600); font-weight: 600; }
.upload small { display: block; color: var(--slate-500); font-size: 0.74rem; }
.upload img { max-height: 90px; margin: 0 auto 6px; border-radius: 6px; }

/* ===================== Badges ===================== */
.badge { display: inline-flex; align-items: center; gap: 5px; padding: 3px 10px; border-radius: 999px; font-size: 0.72rem; font-weight: 600; letter-spacing: 0.01em; white-space: nowrap; }
.badge .bdot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.badge-green { background: var(--green-bg); color: var(--green); }
.badge-red { background: var(--red-bg); color: var(--red); }
.badge-amber { background: var(--amber-bg); color: var(--amber); }
.badge-blue { background: var(--blue-bg); color: var(--blue); }
.badge-slate { background: var(--slate-100); color: var(--slate-600); }
.badge-gold { background: var(--gold-pale); color: #8a6a26; }
.badge-navy { background: var(--navy-800); color: #fff; }

/* ===================== Brand ===================== */
.brand { display: inline-flex; align-items: center; gap: 11px; font-weight: 700; font-size: 1.32rem; letter-spacing: 0.01em; font-family: var(--serif); }
.brand-mark { width: 38px; height: 38px; border-radius: 8px; display: grid; place-items: center; background: var(--navy-800); color: var(--gold-soft); border: 1px solid rgba(255,255,255,0.08); }
.brand-mark svg { width: 22px; height: 22px; }
.brand-sub { font-family: var(--sans); font-size: 0.6rem; letter-spacing: 0.32em; text-transform: uppercase; color: var(--slate-400); font-weight: 600; display: block; margin-top: 2px; }

/* =========================================================================
   LANDING PAGE
   ========================================================================= */
.landing { background: var(--white); }
.topbar-strip { background: var(--navy-950); color: #9fb2cc; font-size: 0.76rem; }
.topbar-strip .container { display: flex; justify-content: space-between; align-items: center; height: 36px; }
.topbar-strip a { color: #c5d2e4; }
.topbar-strip .ts-links { display: flex; gap: 20px; }
.topbar-strip .ts-links a:hover { color: var(--gold-soft); }

.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,0.94); backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 74px; }
.brand .brand-text { line-height: 1; }
.site-nav { display: flex; align-items: center; gap: 32px; }
.site-nav a.navlink { color: var(--slate-700); font-weight: 500; font-size: 0.92rem; transition: color 0.15s; }
.site-nav a.navlink:hover { color: var(--navy-800); }
.header-actions { display: flex; align-items: center; gap: 12px; }

.hero { position: relative; background: linear-gradient(155deg, var(--navy-900) 0%, var(--navy-800) 55%, var(--navy-700) 100%); color: #fff; overflow: hidden; }
.hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(900px 460px at 88% -8%, rgba(179,137,63,0.18), transparent 58%); }
.hero::after { content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: linear-gradient(90deg, transparent, var(--gold), transparent); opacity: 0.5; }
.hero .container { position: relative; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; padding: 84px 0 92px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 9px; padding: 6px 13px; border-radius: 4px; background: rgba(179,137,63,0.12); border: 1px solid rgba(179,137,63,0.3); font-size: 0.76rem; font-weight: 600; color: var(--gold-soft); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 24px; }
.hero h1 { font-family: var(--serif); font-size: clamp(2.5rem, 4.6vw, 4rem); line-height: 1.04; letter-spacing: -0.01em; font-weight: 600; margin-bottom: 20px; }
.hero h1 .accent { color: var(--gold-soft); font-style: italic; }
.hero p.lead { font-size: 1.1rem; color: #c2d0e3; max-width: 540px; margin-bottom: 30px; line-height: 1.6; }
.hero-cta { display: flex; gap: 13px; flex-wrap: wrap; margin-bottom: 36px; }
.hero-trust { display: flex; gap: 28px; flex-wrap: wrap; color: #9fb2cc; font-size: 0.82rem; }
.hero-trust div { display: flex; align-items: center; gap: 8px; }
.hero-trust svg { width: 17px; height: 17px; color: var(--gold-soft); }

.hero-visual { position: relative; display: grid; place-items: center; }
.credit-card { width: 100%; max-width: 410px; aspect-ratio: 1.585 / 1; border-radius: 15px; padding: 26px; background: linear-gradient(135deg, #0e3050 0%, #0a2540 50%, #061a30 100%); box-shadow: var(--shadow-lg), inset 0 1px 0 rgba(255,255,255,0.08); color: #fff; position: relative; overflow: hidden; transform: rotate(-3deg); transition: transform 0.4s ease; border: 1px solid rgba(255,255,255,0.08); }
.credit-card:hover { transform: rotate(0deg) translateY(-6px); }
.credit-card::after { content: ''; position: absolute; inset: 0; background: radial-gradient(420px 200px at 85% 5%, rgba(179,137,63,0.28), transparent 55%); }
.cc-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 1; }
.cc-chip { width: 44px; height: 33px; border-radius: 6px; background: linear-gradient(135deg, var(--gold-soft), var(--gold)); }
.cc-brand { font-family: var(--serif); font-weight: 600; letter-spacing: 0.02em; font-size: 1.05rem; }
.cc-brand small { font-family: var(--sans); display: block; font-size: 0.52rem; letter-spacing: 0.28em; color: var(--gold-soft); text-transform: uppercase; text-align: right; }
.cc-number { font-size: 1.3rem; letter-spacing: 0.14em; margin-top: 32px; font-variant-numeric: tabular-nums; position: relative; z-index: 1; }
.cc-bottom { display: flex; justify-content: space-between; align-items: flex-end; margin-top: 22px; position: relative; z-index: 1; }
.cc-bottom small { display: block; font-size: 0.58rem; color: #9fb6cf; text-transform: uppercase; letter-spacing: 0.12em; }
.cc-bottom strong { font-size: 0.92rem; font-weight: 600; }
.float-badge { position: absolute; background: #fff; color: var(--ink); border-radius: 10px; padding: 11px 15px; box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 11px; font-weight: 600; font-size: 0.82rem; }
.float-badge .ico { width: 32px; height: 32px; border-radius: 7px; display: grid; place-items: center; color: #fff; }
.float-badge small { display: block; color: var(--slate-500); font-weight: 500; font-size: 0.7rem; }
.fb-1 { top: 7%; right: -3%; animation: floaty 5s ease-in-out infinite; }
.fb-2 { bottom: 5%; left: -5%; animation: floaty 6s ease-in-out infinite 0.6s; }
@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-11px); } }

.logos { padding: 26px 0; border-bottom: 1px solid var(--line); background: var(--paper); }
.logos .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.logos span { color: var(--slate-400); font-weight: 700; font-size: 1rem; letter-spacing: 0.06em; opacity: 0.85; }
.logos .label { color: var(--slate-500); font-size: 0.74rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.12em; }

.section { padding: 88px 0; }
.section-head { max-width: 680px; margin: 0 auto 56px; text-align: center; }
.section-head .eyebrow, .eyebrow { color: var(--gold); font-weight: 700; font-size: 0.76rem; letter-spacing: 0.16em; text-transform: uppercase; }
.section-head h2 { font-family: var(--serif); font-size: clamp(2rem, 3.4vw, 2.7rem); letter-spacing: -0.01em; margin: 14px 0 14px; font-weight: 600; }
.section-head p { color: var(--slate-600); font-size: 1.04rem; }
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.feature-card { background: #fff; padding: 32px 28px; transition: background 0.2s; }
.feature-card:hover { background: var(--slate-50); }
.feature-icon { width: 50px; height: 50px; border-radius: 10px; display: grid; place-items: center; margin-bottom: 18px; color: #fff; }
.feature-icon svg { width: 24px; height: 24px; }
.feature-card h3 { font-size: 1.12rem; margin-bottom: 8px; letter-spacing: -0.01em; font-weight: 700; }
.feature-card p { color: var(--slate-600); font-size: 0.92rem; }

.stats-band { background: var(--navy-900); color: #fff; border-top: 3px solid var(--gold); }
.stats-band .container { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding: 56px 0; }
.stat-item { text-align: center; }
.stat-item .num { font-family: var(--serif); font-size: clamp(2.1rem, 3.4vw, 2.9rem); font-weight: 600; letter-spacing: -0.01em; color: var(--gold-soft); }
.stat-item .lbl { color: #9fb2cc; font-size: 0.86rem; margin-top: 6px; letter-spacing: 0.02em; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.split-media { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); }
.split h2 { font-family: var(--serif); font-size: clamp(1.9rem, 3.2vw, 2.5rem); letter-spacing: -0.01em; margin: 14px 0 16px; font-weight: 600; }
.split p { color: var(--slate-600); margin-bottom: 24px; font-size: 1.0rem; line-height: 1.65; }
.checklist { list-style: none; display: grid; gap: 16px; }
.checklist li { display: flex; gap: 13px; align-items: flex-start; }
.checklist .tick { width: 24px; height: 24px; border-radius: 6px; background: var(--navy-800); color: var(--gold-soft); display: grid; place-items: center; flex-shrink: 0; }
.checklist .tick svg { width: 14px; height: 14px; }
.checklist b { display: block; font-weight: 700; }
.checklist span { color: var(--slate-600); font-size: 0.9rem; }

.mini-dash { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; border: 1px solid var(--line); }
.mini-dash-top { background: var(--navy-800); color: #fff; padding: 15px 19px; display: flex; justify-content: space-between; align-items: center; }
.mini-dash-top b { font-family: var(--serif); font-weight: 600; }
.mini-balance { padding: 20px 19px; }
.mini-balance .lbl { color: var(--slate-500); font-size: 0.78rem; }
.mini-balance .amt { font-size: 1.9rem; font-weight: 700; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.mini-rows { padding: 0 19px 19px; display: grid; gap: 9px; }
.mini-row { display: flex; align-items: center; gap: 12px; padding: 9px 11px; border-radius: 8px; background: var(--slate-50); }
.mini-row .ic { width: 32px; height: 32px; border-radius: 7px; display: grid; place-items: center; flex-shrink: 0; }
.mini-row .meta { flex: 1; }
.mini-row .meta b { font-size: 0.85rem; }
.mini-row .meta small { color: var(--slate-500); }
.mini-row .val { font-weight: 700; font-variant-numeric: tabular-nums; }

.cta-band { padding: 20px 0 92px; }
.cta-box { background: linear-gradient(155deg, var(--navy-900), var(--navy-700)); border-radius: var(--radius-xl); padding: 64px; text-align: center; color: #fff; position: relative; overflow: hidden; border: 1px solid rgba(255,255,255,0.06); }
.cta-box::before { content:''; position:absolute; inset:0; background: radial-gradient(700px 300px at 50% -20%, rgba(179,137,63,0.22), transparent 60%); }
.cta-box h2 { font-family: var(--serif); font-size: clamp(2rem, 3.4vw, 2.7rem); margin-bottom: 14px; font-weight: 600; position: relative; }
.cta-box p { color: #c2d0e3; max-width: 520px; margin: 0 auto 28px; position: relative; }
.cta-box .hero-cta { justify-content: center; position: relative; }

.site-footer { background: var(--navy-950); color: #93a6c0; padding: 64px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-grid .brand { color: #fff; margin-bottom: 16px; }
.footer-grid p { font-size: 0.88rem; max-width: 290px; line-height: 1.7; }
.footer-col h4 { color: #fff; font-size: 0.88rem; margin-bottom: 15px; letter-spacing: 0.04em; }
.footer-col a { display: block; font-size: 0.88rem; margin-bottom: 10px; transition: color 0.15s; }
.footer-col a:hover { color: var(--gold-soft); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding-top: 26px; font-size: 0.82rem; flex-wrap: wrap; gap: 12px; }
.footer-legal { max-width: 760px; font-size: 0.74rem; color: #647ea0; line-height: 1.7; margin-top: 18px; }

/* =========================================================================
   MODAL
   ========================================================================= */
.modal-overlay { position: fixed; inset: 0; background: rgba(6,26,48,0.62); backdrop-filter: blur(4px); display: none; align-items: center; justify-content: center; z-index: 100; padding: 20px; }
.modal-overlay.open { display: flex; animation: fadeIn 0.2s ease; }
.modal { background: #fff; border-radius: var(--radius-lg); width: 100%; max-width: 440px; box-shadow: var(--shadow-lg); max-height: 92vh; overflow-y: auto; animation: popIn 0.24s ease; }
.modal-wide { max-width: 720px; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
@keyframes popIn { from { opacity: 0; transform: translateY(12px) scale(0.985); } to { opacity: 1; transform: none; } }
.modal-head { padding: 26px 28px 4px; position: relative; }
.modal-head h3 { font-family: var(--serif); font-size: 1.5rem; font-weight: 600; }
.modal-head p { color: var(--slate-500); font-size: 0.9rem; margin-top: 4px; }
.modal-close { position: absolute; top: 18px; right: 18px; width: 34px; height: 34px; border-radius: 7px; display: grid; place-items: center; color: var(--slate-500); transition: background 0.15s; }
.modal-close:hover { background: var(--slate-100); }
.modal-body { padding: 18px 28px 28px; }
.modal-foot { text-align: center; font-size: 0.88rem; color: var(--slate-500); padding-top: 6px; }
.modal-foot a { color: var(--navy-700); font-weight: 600; cursor: pointer; }
.demo-hint { background: var(--slate-50); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 12px 14px; font-size: 0.8rem; color: var(--slate-600); margin-top: 14px; }
.demo-hint b { color: var(--slate-700); }

/* =========================================================================
   APP SHELL
   ========================================================================= */
.app { display: grid; grid-template-columns: 256px 1fr; min-height: 100vh; background: var(--slate-50); }
.sidebar { background: var(--navy-900); color: #c5d2e4; padding: 20px 14px; display: flex; flex-direction: column; position: sticky; top: 0; height: 100vh; border-right: 1px solid rgba(255,255,255,0.05); }
.sidebar .brand { color: #fff; padding: 6px 8px 22px; font-size: 1.2rem; }
.sidebar .brand-mark { background: rgba(255,255,255,0.06); }
.side-nav { display: flex; flex-direction: column; gap: 2px; flex: 1; overflow-y: auto; }
.side-nav::-webkit-scrollbar { width: 5px; }
.side-nav::-webkit-scrollbar-thumb { background: rgba(255,255,255,0.12); border-radius: 3px; }
.nav-section { font-size: 0.66rem; text-transform: uppercase; letter-spacing: 0.14em; color: #5f7799; padding: 16px 12px 7px; font-weight: 700; }
.side-link { display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 7px; color: #aebdd4; font-weight: 500; font-size: 0.9rem; transition: background 0.15s, color 0.15s; cursor: pointer; }
.side-link svg { width: 18px; height: 18px; flex-shrink: 0; }
.side-link:hover { background: rgba(255,255,255,0.06); color: #fff; }
.side-link.active { background: var(--navy-700); color: #fff; box-shadow: inset 2px 0 0 var(--gold); }
.side-link .badge-count { margin-left: auto; background: var(--gold); color: #2a1f08; font-size: 0.66rem; font-weight: 700; padding: 1px 7px; border-radius: 999px; }
.side-link .pulse { margin-left: auto; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-soft); }
.sidebar-foot { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 12px; margin-top: 12px; }
.side-user { display: flex; align-items: center; gap: 11px; padding: 8px 10px; }
.side-user .avatar { width: 38px; height: 38px; }
.side-user .meta { flex: 1; min-width: 0; }
.side-user .meta b { color: #fff; font-size: 0.86rem; display: block; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.side-user .meta small { color: #7e90ad; font-size: 0.74rem; }

.avatar { border-radius: 8px; display: grid; place-items: center; color: #fff; font-weight: 700; flex-shrink: 0; font-size: 0.85rem; }
.avatar.round { border-radius: 50%; }

.main { display: flex; flex-direction: column; min-width: 0; }
.topbar { background: #fff; border-bottom: 1px solid var(--line); padding: 0 28px; height: 70px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 30; }
.topbar h1 { font-family: var(--serif); font-size: 1.32rem; letter-spacing: -0.01em; font-weight: 600; }
.topbar .crumb { color: var(--slate-400); font-size: 0.78rem; font-family: var(--sans); font-weight: 500; }
.topbar-actions { display: flex; align-items: center; gap: 12px; }
.icon-btn { width: 40px; height: 40px; border-radius: 8px; display: grid; place-items: center; color: var(--slate-600); background: var(--slate-50); border: 1px solid var(--line); position: relative; transition: background 0.15s; }
.icon-btn:hover { background: var(--slate-100); }
.icon-btn svg { width: 19px; height: 19px; }
.icon-btn .dot { position: absolute; top: 8px; right: 9px; width: 8px; height: 8px; background: var(--gold); border-radius: 50%; border: 2px solid #fff; }

.content { padding: 28px; flex: 1; max-width: 1320px; width: 100%; }
.page { display: none; }
.page.active { display: block; animation: fadeIn 0.2s ease; }
.page-intro { margin-bottom: 22px; display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.page-intro h2 { font-family: var(--serif); font-size: 1.55rem; letter-spacing: -0.01em; font-weight: 600; }
.page-intro p { color: var(--slate-500); margin-top: 3px; font-size: 0.92rem; }

/* KYC banner */
.kyc-banner { display: flex; align-items: center; gap: 16px; padding: 16px 20px; border-radius: var(--radius-lg); margin-bottom: 22px; border: 1px solid; }
.kyc-banner .kb-ic { width: 44px; height: 44px; border-radius: 10px; display: grid; place-items: center; flex-shrink: 0; }
.kyc-banner .kb-ic svg { width: 22px; height: 22px; }
.kyc-banner .kb-body { flex: 1; }
.kyc-banner .kb-body b { font-size: 0.98rem; display: block; }
.kyc-banner .kb-body p { font-size: 0.86rem; margin-top: 1px; }
.kyc-banner.warn { background: var(--amber-bg); border-color: #f0d9b8; color: #7a4f12; }
.kyc-banner.warn .kb-ic { background: var(--amber); color: #fff; }
.kyc-banner.info { background: var(--blue-bg); border-color: #cfe0f7; color: #1a4894; }
.kyc-banner.info .kb-ic { background: var(--blue); color: #fff; }
.kyc-banner.alert { background: var(--red-bg); border-color: #f3ccc8; color: var(--red); }
.kyc-banner.alert .kb-ic { background: var(--red); color: #fff; }

/* Grids / cards */
.grid { display: grid; gap: 18px; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px; box-shadow: var(--shadow-xs); }
.card.pad-lg { padding: 26px; }
.card-title { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; gap: 12px; }
.card-title h3 { font-size: 1.0rem; letter-spacing: -0.01em; font-weight: 700; }
.card-title .sub { font-size: 0.8rem; color: var(--slate-500); font-weight: 400; }

/* Account / balance cards */
.acct-card { background: linear-gradient(150deg, var(--navy-800), var(--navy-700)); color: #fff; border-radius: var(--radius-lg); padding: 22px; position: relative; overflow: hidden; border: 1px solid rgba(255,255,255,0.06); }
.acct-card.savings { background: linear-gradient(150deg, #143a61, #0e3050); }
.acct-card.credit { background: linear-gradient(150deg, #3a2a52, #241836); }
.acct-card.investment { background: linear-gradient(150deg, #14463a, #0c2e27); }
.acct-card::before { content:''; position:absolute; inset:0; background: radial-gradient(360px 160px at 92% -10%, rgba(179,137,63,0.22), transparent 60%); }
.acct-card .ac-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; }
.acct-card .ac-type { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.1em; color: #a7bdd8; }
.acct-card .ac-name { font-family: var(--serif); font-size: 1.05rem; font-weight: 600; margin-top: 1px; }
.acct-card .ac-amt { font-size: 1.9rem; font-weight: 700; letter-spacing: -0.02em; margin: 14px 0 2px; font-variant-numeric: tabular-nums; position: relative; }
.acct-card .ac-num { color: #9fb6cf; font-size: 0.82rem; position: relative; font-variant-numeric: tabular-nums; letter-spacing: 0.02em; }
.acct-card .ac-foot { display: flex; justify-content: space-between; align-items: center; margin-top: 16px; position: relative; font-size: 0.76rem; color: #a7bdd8; }

/* hero balance (overview) */
.balance-hero { background: linear-gradient(150deg, var(--navy-900) 0%, var(--navy-700) 100%); color: #fff; border-radius: var(--radius-lg); padding: 26px 28px; position: relative; overflow: hidden; border: 1px solid rgba(255,255,255,0.06); }
.balance-hero::before { content:''; position:absolute; inset:0; background: radial-gradient(500px 220px at 90% -20%, rgba(179,137,63,0.2), transparent 60%); }
.balance-hero .bh-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; }
.balance-hero .lbl { color: #a7bdd8; font-size: 0.82rem; }
.balance-hero .amt { font-size: 2.7rem; font-weight: 700; letter-spacing: -0.03em; margin: 8px 0 6px; font-variant-numeric: tabular-nums; position: relative; }
.balance-hero .sub-row { display: flex; gap: 24px; position: relative; margin-top: 8px; }
.balance-hero .sub-row .it small { color: #93a8c6; font-size: 0.72rem; display: block; }
.balance-hero .sub-row .it b { font-size: 0.96rem; font-variant-numeric: tabular-nums; }
.balance-hero .bh-actions { display: flex; gap: 9px; margin-top: 20px; position: relative; flex-wrap: wrap; }

/* stat card */
.stat-card { display: flex; align-items: center; gap: 15px; }
.stat-card .ic { width: 46px; height: 46px; border-radius: 10px; display: grid; place-items: center; color: #fff; flex-shrink: 0; }
.stat-card .ic svg { width: 22px; height: 22px; }
.stat-card .lbl { color: var(--slate-500); font-size: 0.8rem; }
.stat-card .num { font-size: 1.5rem; font-weight: 700; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; margin-top: 1px; }
.stat-card .delta { font-size: 0.74rem; font-weight: 600; }
.stat-card .delta.up { color: var(--green); } .stat-card .delta.down { color: var(--red); }

/* Transaction list */
.tx-list { display: flex; flex-direction: column; }
.tx-item { display: flex; align-items: center; gap: 13px; padding: 12px 2px; border-bottom: 1px solid var(--slate-100); }
.tx-item:last-child { border-bottom: none; }
.tx-ic { width: 40px; height: 40px; border-radius: 9px; display: grid; place-items: center; flex-shrink: 0; }
.tx-ic svg { width: 19px; height: 19px; }
.tx-ic.credit { background: var(--green-bg); color: var(--green); }
.tx-ic.debit { background: var(--slate-100); color: var(--slate-600); }
.tx-meta { flex: 1; min-width: 0; }
.tx-meta b { font-size: 0.92rem; display: block; font-weight: 600; }
.tx-meta small { color: var(--slate-500); font-size: 0.8rem; }
.tx-amt { font-weight: 700; font-variant-numeric: tabular-nums; text-align: right; white-space: nowrap; font-size: 0.95rem; }
.tx-amt.credit { color: var(--green); }
.tx-amt small { display: block; font-weight: 500; color: var(--slate-400); font-size: 0.72rem; }

/* Data tables */
table.data { width: 100%; border-collapse: collapse; }
table.data th { text-align: left; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--slate-500); padding: 11px 13px; border-bottom: 1px solid var(--line); font-weight: 700; background: var(--slate-50); }
table.data td { padding: 12px 13px; border-bottom: 1px solid var(--slate-100); font-size: 0.88rem; vertical-align: middle; }
table.data tr:last-child td { border-bottom: none; }
table.data tbody tr { transition: background 0.12s; }
table.data tbody tr:hover { background: var(--slate-50); }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
.table-wrap table.data th:first-child, .table-wrap table.data td:first-child { padding-left: 16px; }
.user-cell { display: flex; align-items: center; gap: 11px; }
.user-cell .avatar { width: 36px; height: 36px; font-size: 0.8rem; }
.user-cell b { display: block; font-size: 0.88rem; font-weight: 600; }
.user-cell small { color: var(--slate-500); font-size: 0.78rem; }
.mono { font-variant-numeric: tabular-nums; font-feature-settings: 'tnum'; }
.row-actions { display: flex; gap: 7px; justify-content: flex-end; }

.empty { text-align: center; padding: 48px 20px; color: var(--slate-400); }
.empty svg { width: 42px; height: 42px; margin: 0 auto 12px; opacity: 0.55; }
.empty b { color: var(--slate-600); }

/* Quick actions */
.quick-actions { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.qa-btn { display: flex; align-items: center; gap: 12px; padding: 13px; border-radius: var(--radius); background: var(--slate-50); border: 1px solid var(--line); transition: all 0.15s; text-align: left; }
.qa-btn:hover { border-color: var(--navy-600); background: #fff; box-shadow: var(--shadow-xs); }
.qa-btn .ic { width: 38px; height: 38px; border-radius: 9px; display: grid; place-items: center; color: #fff; flex-shrink: 0; }
.qa-btn .ic svg { width: 18px; height: 18px; }
.qa-btn b { font-size: 0.88rem; display: block; }
.qa-btn small { color: var(--slate-500); font-size: 0.76rem; }

/* Notifications */
.notif-list { display: flex; flex-direction: column; gap: 9px; max-height: 420px; overflow-y: auto; }
.notif-item { display: flex; gap: 12px; padding: 13px; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; }
.notif-item.unread { background: var(--blue-bg); border-color: #cfe0f7; }
.notif-item .ic { width: 36px; height: 36px; border-radius: 8px; display: grid; place-items: center; flex-shrink: 0; }
.notif-item .ic svg { width: 18px; height: 18px; }
.notif-item .body { flex: 1; }
.notif-item .body b { font-size: 0.9rem; font-weight: 600; }
.notif-item .body p { color: var(--slate-600); font-size: 0.84rem; margin-top: 2px; }
.notif-item .body time { color: var(--slate-400); font-size: 0.74rem; }

.dropdown { position: relative; }
.dropdown-panel { position: absolute; right: 0; top: calc(100% + 10px); width: 360px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); z-index: 50; display: none; overflow: hidden; }
.dropdown-panel.open { display: block; animation: popIn 0.16s ease; }
.dropdown-head { padding: 14px 16px; border-bottom: 1px solid var(--slate-100); display: flex; align-items: center; justify-content: space-between; }
.dropdown-head b { font-size: 0.94rem; }
.dropdown-head a { font-size: 0.78rem; color: var(--navy-700); font-weight: 600; cursor: pointer; }
.dropdown-body { max-height: 400px; overflow-y: auto; padding: 8px; }

/* Toast */
.toast-wrap { position: fixed; bottom: 24px; right: 24px; z-index: 200; display: flex; flex-direction: column; gap: 10px; }
.toast { background: var(--navy-900); color: #fff; padding: 13px 18px; border-radius: var(--radius); box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 11px; font-size: 0.88rem; font-weight: 500; min-width: 260px; animation: slideIn 0.24s ease; max-width: 400px; border-left: 3px solid var(--gold); }
.toast .ic { width: 20px; height: 20px; flex-shrink: 0; }
.toast.success { border-left-color: var(--green); }
.toast.error { border-left-color: var(--red); }
@keyframes slideIn { from { opacity: 0; transform: translateX(30px); } to { opacity: 1; transform: none; } }

/* Popup modal */
.popup-card { background: #fff; border-radius: var(--radius-lg); max-width: 430px; width: 100%; overflow: hidden; box-shadow: var(--shadow-lg); animation: popIn 0.28s ease; }
.popup-banner { height: 96px; display: grid; place-items: center; position: relative; }
.popup-banner::after { content:''; position:absolute; bottom:0; left:0; right:0; height:1px; background: rgba(255,255,255,0.25); }
.popup-banner .ic { width: 54px; height: 54px; border-radius: 14px; background: rgba(255,255,255,0.18); display: grid; place-items: center; }
.popup-banner .ic svg { width: 28px; height: 28px; color: #fff; }
.popup-body { padding: 26px 28px 28px; text-align: center; }
.popup-body h3 { font-family: var(--serif); font-size: 1.32rem; font-weight: 600; margin-bottom: 8px; }
.popup-body p { color: var(--slate-600); font-size: 0.92rem; margin-bottom: 22px; line-height: 1.6; }

/* Filter bar / segments */
.filter-bar { display: flex; gap: 10px; align-items: center; margin-bottom: 16px; flex-wrap: wrap; }
.filter-bar .input { max-width: 300px; }
.spacer { flex: 1; }
.seg { display: inline-flex; background: var(--slate-100); border-radius: 8px; padding: 3px; gap: 3px; }
.seg button { padding: 8px 14px; border-radius: 6px; font-size: 0.83rem; font-weight: 600; color: var(--slate-600); transition: all 0.15s; }
.seg button.active { background: #fff; color: var(--navy-800); box-shadow: var(--shadow-xs); }
.sub-tabs { display: flex; gap: 4px; background: var(--slate-100); padding: 4px; border-radius: 9px; margin-bottom: 16px; flex-wrap: wrap; }
.sub-tab { padding: 8px 14px; border-radius: 7px; font-size: 0.84rem; font-weight: 600; color: var(--slate-600); text-align: center; cursor: pointer; transition: all 0.15s; }
.sub-tab.active { background: #fff; color: var(--navy-800); box-shadow: var(--shadow-xs); }

/* Drawer */
.drawer-overlay { position: fixed; inset: 0; background: rgba(6,26,48,0.5); backdrop-filter: blur(3px); display: none; z-index: 90; }
.drawer-overlay.open { display: block; animation: fadeIn 0.2s; }
.drawer { position: fixed; top: 0; right: 0; height: 100vh; width: min(560px, 100%); background: var(--slate-50); z-index: 95; transform: translateX(100%); transition: transform 0.3s ease; overflow-y: auto; box-shadow: var(--shadow-lg); }
.drawer.open { transform: none; }
.drawer-head { background: #fff; padding: 20px 24px; border-bottom: 1px solid var(--line); display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 5; }
.drawer-body { padding: 22px 24px; }

.kv { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.kv .item .k { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--slate-500); font-weight: 700; }
.kv .item .v { font-weight: 600; margin-top: 2px; font-size: 0.9rem; }
.divider { height: 1px; background: var(--line); margin: 20px 0; }

/* KYC stepper */
.stepper { display: flex; align-items: center; margin-bottom: 26px; }
.step { display: flex; align-items: center; gap: 10px; flex: 1; }
.step:last-child { flex: 0; }
.step .dot { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; font-size: 0.82rem; font-weight: 700; background: var(--slate-200); color: var(--slate-500); flex-shrink: 0; transition: all 0.2s; }
.step .dot svg { width: 15px; height: 15px; }
.step .st-label { font-size: 0.82rem; font-weight: 600; color: var(--slate-500); white-space: nowrap; }
.step .st-line { flex: 1; height: 2px; background: var(--slate-200); margin: 0 10px; }
.step.active .dot { background: var(--navy-800); color: #fff; }
.step.active .st-label { color: var(--navy-800); }
.step.done .dot { background: var(--green); color: #fff; }
.step.done .st-line { background: var(--green); }
.step.active .st-line { background: var(--slate-200); }

.kyc-status-chip { display: inline-flex; align-items: center; gap: 7px; padding: 6px 13px; border-radius: 999px; font-size: 0.82rem; font-weight: 600; }

/* Cards (payment cards) visual */
.pay-card { border-radius: 13px; padding: 20px; color: #fff; position: relative; overflow: hidden; aspect-ratio: 1.585/1; min-height: 180px; box-shadow: var(--shadow); display: flex; flex-direction: column; justify-content: space-between; }
.pay-card.visa { background: linear-gradient(135deg, #0e3050, #061a30); }
.pay-card.mastercard { background: linear-gradient(135deg, #3a2a52, #1c1230); }
.pay-card.frozen { filter: grayscale(0.6) brightness(0.85); }
.pay-card::after { content:''; position:absolute; inset:0; background: radial-gradient(300px 140px at 90% 0%, rgba(179,137,63,0.25), transparent 60%); }
.pay-card .pc-top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 1; }
.pay-card .pc-chip { width: 38px; height: 28px; border-radius: 5px; background: linear-gradient(135deg, var(--gold-soft), var(--gold)); }
.pay-card .pc-net { font-weight: 700; font-style: italic; font-size: 1.1rem; letter-spacing: 0.02em; }
.pay-card .pc-num { font-size: 1.12rem; letter-spacing: 0.12em; font-variant-numeric: tabular-nums; position: relative; z-index: 1; }
.pay-card .pc-foot { display: flex; justify-content: space-between; align-items: flex-end; position: relative; z-index: 1; }
.pay-card .pc-foot small { font-size: 0.56rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.65); display: block; }
.pay-card .pc-foot b { font-size: 0.84rem; font-weight: 600; }

/* Message thread */
.msg-thread { display: flex; flex-direction: column; gap: 12px; padding: 4px; max-height: 460px; overflow-y: auto; }
.msg { max-width: 78%; padding: 12px 15px; border-radius: 12px; font-size: 0.88rem; line-height: 1.5; }
.msg.client { align-self: flex-end; background: var(--navy-800); color: #fff; border-bottom-right-radius: 3px; }
.msg.admin { align-self: flex-start; background: #fff; border: 1px solid var(--line); border-bottom-left-radius: 3px; }
.msg .msg-meta { font-size: 0.68rem; opacity: 0.7; margin-top: 5px; }
.msg.admin .msg-meta { color: var(--slate-500); }

/* Auth full page (admin) */
.auth-page { min-height: 100vh; display: grid; grid-template-columns: 1.1fr 1fr; }
.auth-aside { background: linear-gradient(155deg, var(--navy-900), var(--navy-700)); color: #fff; padding: 56px; display: flex; flex-direction: column; justify-content: space-between; position: relative; overflow: hidden; }
.auth-aside::before { content:''; position:absolute; inset:0; background: radial-gradient(600px 300px at 80% 10%, rgba(179,137,63,0.18), transparent 60%); }
.auth-aside .brand { color: #fff; position: relative; }
.auth-aside-content { position: relative; max-width: 460px; }
.auth-aside h2 { font-family: var(--serif); font-size: 2.3rem; margin-bottom: 16px; line-height: 1.12; font-weight: 600; }
.auth-aside p { color: #c2d0e3; font-size: 1.04rem; line-height: 1.6; }
.auth-aside .ainfo { position: relative; display: flex; gap: 22px; margin-top: 30px; }
.auth-aside .ainfo .it small { color: #93a8c6; font-size: 0.72rem; display: block; }
.auth-aside .ainfo .it b { color: var(--gold-soft); font-size: 1.0rem; }
.auth-form-wrap { display: grid; place-items: center; padding: 40px; background: var(--paper); }
.auth-form { width: 100%; max-width: 400px; }
.auth-form h3 { font-family: var(--serif); font-size: 1.7rem; font-weight: 600; margin-bottom: 6px; }

/* Spinner / loading */
.spinner { width: 18px; height: 18px; border: 2.5px solid rgba(255,255,255,0.4); border-top-color: #fff; border-radius: 50%; animation: spin 0.7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.loading-screen { min-height: 100vh; display: grid; place-items: center; background: var(--slate-50); }
.loading-screen .spinner { width: 36px; height: 36px; border-color: rgba(20,58,97,0.2); border-top-color: var(--navy-700); }

/* Utilities */
.text-muted { color: var(--slate-500); }
.text-sm { font-size: 0.84rem; }
.text-xs { font-size: 0.76rem; }
.text-center { text-align: center; }
.text-right { text-align: right; }
.fw-700 { font-weight: 700; }
.mt-1 { margin-top: 4px; } .mt-2 { margin-top: 8px; } .mt-3 { margin-top: 12px; } .mt-4 { margin-top: 16px; } .mt-6 { margin-top: 24px; }
.mb-2 { margin-bottom: 8px; } .mb-3 { margin-bottom: 12px; } .mb-4 { margin-bottom: 16px; }
.flex { display: flex; } .items-center { align-items: center; } .justify-between { justify-content: space-between; }
.gap-2 { gap: 8px; } .gap-3 { gap: 12px; } .wrap { flex-wrap: wrap; }
.hidden { display: none !important; }
.w-full { width: 100%; }
.green { color: var(--green); } .red { color: var(--red); }

/* Responsive */
@media (max-width: 1100px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cards-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .app { grid-template-columns: 1fr; }
  .sidebar { position: fixed; left: 0; top: 0; z-index: 80; transform: translateX(-100%); transition: transform 0.3s; width: 256px; }
  .sidebar.open { transform: none; }
  .menu-toggle { display: grid !important; }
  .auth-page { grid-template-columns: 1fr; }
  .auth-aside { display: none; }
  .features-grid { grid-template-columns: 1fr 1fr; }
}
.menu-toggle { display: none; }

/* =========================================================================
   PLATFORM CONTROLS — announcement banner, maintenance, deposit, toggles
   ========================================================================= */
.announce-bar { display: flex; flex-direction: column; }
.announce { display: flex; align-items: center; gap: 12px; padding: 11px 28px; font-size: 0.86rem; font-weight: 500; border-bottom: 1px solid transparent; }
.announce .an-ic { width: 20px; height: 20px; flex-shrink: 0; display: grid; place-items: center; }
.announce .an-ic svg { width: 18px; height: 18px; }
.announce .an-msg { flex: 1; line-height: 1.45; }
.announce .an-x { width: 26px; height: 26px; border-radius: 6px; display: grid; place-items: center; opacity: 0.65; flex-shrink: 0; color: inherit; }
.announce .an-x:hover { opacity: 1; background: rgba(0,0,0,0.06); }
.announce .an-x svg { width: 15px; height: 15px; }
.announce.info { background: var(--blue-bg); color: #1a4894; border-color: #cfe0f7; }
.announce.success { background: var(--green-bg); color: #15803d; border-color: #bfe3cb; }
.announce.warning { background: var(--amber-bg); color: #7a4f12; border-color: #f0d9b8; }
.announce.alert { background: var(--red-bg); color: var(--red); border-color: #f3ccc8; }
.an-preview { border-width: 1px; border-style: solid; border-radius: var(--radius-sm); margin-top: 4px; }

.maintenance-overlay { position: fixed; inset: 0; z-index: 150; background: linear-gradient(160deg, var(--navy-950), var(--navy-700)); display: flex; align-items: center; justify-content: center; padding: 24px; animation: fadeIn 0.25s ease; }
.maintenance-box { text-align: center; max-width: 500px; color: #fff; position: relative; }
.maintenance-box .m-mark { width: 74px; height: 74px; border-radius: 18px; display: grid; place-items: center; margin: 0 auto 22px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); color: var(--gold-soft); }
.maintenance-box .m-mark svg { width: 38px; height: 38px; }
.maintenance-box h2 { font-size: clamp(1.7rem, 4vw, 2.2rem); margin-bottom: 12px; font-weight: 600; }
.maintenance-box p { color: #c2d0e3; font-size: 1.02rem; line-height: 1.65; }
.maintenance-box .m-foot { margin-top: 28px; color: #7e90ad; font-size: 0.78rem; letter-spacing: 0.08em; text-transform: uppercase; }

/* Deposit / funding */
.fund-hero { background: linear-gradient(150deg, var(--navy-800), var(--navy-700)); color: #fff; border-radius: var(--radius-lg); padding: 20px 22px; margin: 4px 0 16px; position: relative; overflow: hidden; border: 1px solid rgba(255,255,255,0.06); }
.fund-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(360px 160px at 92% -10%, rgba(179,137,63,0.22), transparent 60%); }
.fund-hero .fh-lbl { color: #a7bdd8; font-size: 0.78rem; position: relative; }
.fund-hero .fh-iban { font-size: 1.15rem; letter-spacing: 0.06em; margin: 6px 0 12px; position: relative; word-break: break-all; }
.copy-list { display: flex; flex-direction: column; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.copy-row { display: flex; align-items: center; gap: 12px; padding: 11px 14px; border-bottom: 1px solid var(--slate-100); }
.copy-row:last-child { border-bottom: none; }
.copy-row .cr-k { width: 134px; flex-shrink: 0; font-size: 0.7rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--slate-500); font-weight: 700; }
.copy-row .cr-v { flex: 1; font-size: 0.88rem; font-weight: 600; word-break: break-all; }
.copy-row .cr-btn { width: 30px; height: 30px; border-radius: 7px; display: grid; place-items: center; color: var(--slate-500); background: var(--slate-50); border: 1px solid var(--line); flex-shrink: 0; transition: all 0.15s; }
.copy-row .cr-btn:hover { color: var(--navy-800); border-color: var(--navy-600); background: #fff; }
.copy-row .cr-btn svg { width: 15px; height: 15px; }

/* Toggle switch */
.switch { position: relative; display: inline-flex; width: 42px; height: 24px; flex-shrink: 0; cursor: pointer; }
.switch input { position: absolute; opacity: 0; width: 0; height: 0; }
.switch .track { position: absolute; inset: 0; background: var(--slate-300); border-radius: 999px; transition: background 0.18s; }
.switch .track::after { content: ''; position: absolute; top: 3px; left: 3px; width: 18px; height: 18px; border-radius: 50%; background: #fff; box-shadow: var(--shadow-xs); transition: transform 0.18s; }
.switch input:checked + .track { background: var(--green); }
.switch input:checked + .track::after { transform: translateX(18px); }

/* Service lock list */
.lock-list { display: flex; flex-direction: column; gap: 8px; }
.lock-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 11px 14px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; cursor: pointer; }
.lock-row b { font-size: 0.88rem; font-weight: 600; }

@media (max-width: 720px) {
  .announce { padding: 10px 16px; }
  .copy-row { flex-wrap: wrap; }
  .copy-row .cr-k { width: 100%; }
}
/* =========================================================================
   LANDING — utility strip, segments, language switch, markets, ratings
   ========================================================================= */
.util-strip { background: var(--navy-950); color: #9fb2cc; font-size: 0.78rem; border-bottom: 1px solid rgba(255,255,255,0.06); }
.util-strip .container { display: flex; align-items: stretch; justify-content: space-between; height: 40px; }

.seg-tabs { display: flex; align-items: stretch; }
.seg-tab { display: inline-flex; align-items: center; padding: 0 16px; font-size: 0.78rem; font-weight: 600; color: #8ea2be; letter-spacing: 0.01em; border-bottom: 2px solid transparent; transition: color 0.15s, border-color 0.15s; white-space: nowrap; }
.seg-tab:first-child { padding-left: 0; }
.seg-tab:hover { color: #fff; }
.seg-tab.active { color: #fff; border-bottom-color: var(--gold); }

.util-right { display: flex; align-items: center; gap: 18px; }
.util-region { display: inline-flex; align-items: center; gap: 6px; color: #9fb2cc; }
.util-ic, .lang-ic { display: inline-grid; place-items: center; color: var(--gold-soft); }
.util-ic svg, .lang-ic svg { width: 14px; height: 14px; }
.util-link { color: #c5d2e4; transition: color 0.15s; }
.util-link:hover { color: var(--gold-soft); }

/* Language switcher */
.lang-switch { position: relative; display: flex; align-items: center; }
.lang-btn { display: inline-flex; align-items: center; gap: 7px; padding: 5px 9px; border-radius: 6px; color: #dce5f1; border: 1px solid rgba(255,255,255,0.14); background: rgba(255,255,255,0.04); transition: background 0.15s, border-color 0.15s; }
.lang-btn:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.28); }
.lang-code { font-weight: 700; font-size: 0.7rem; letter-spacing: 0.03em; background: var(--gold); color: #2a1f08; padding: 1px 5px; border-radius: 4px; }
.lang-name { font-size: 0.78rem; font-weight: 600; }
.lang-caret { width: 13px; height: 13px; opacity: 0.75; transition: transform 0.2s; }
.lang-switch.open .lang-caret { transform: rotate(180deg); }
.lang-menu { position: absolute; right: 0; top: calc(100% + 8px); min-width: 196px; background: #fff; border: 1px solid var(--line); border-radius: 10px; box-shadow: var(--shadow-lg); padding: 6px; z-index: 60; display: none; }
.lang-switch.open .lang-menu { display: block; animation: popIn 0.16s ease; }
.lang-opt { width: 100%; display: flex; align-items: center; gap: 10px; padding: 9px 10px; border-radius: 7px; color: var(--slate-700); transition: background 0.12s; text-align: left; }
.lang-opt:hover { background: var(--slate-50); }
.lang-opt-code { font-size: 0.66rem; font-weight: 700; letter-spacing: 0.03em; background: var(--slate-100); color: var(--slate-600); padding: 2px 6px; border-radius: 4px; min-width: 28px; text-align: center; }
.lang-opt-name { flex: 1; font-size: 0.88rem; font-weight: 600; }
.lang-opt-check { width: 16px; height: 16px; color: var(--navy-700); opacity: 0; flex-shrink: 0; }
.lang-opt-check svg { width: 16px; height: 16px; }
.lang-opt.active { background: var(--slate-50); }
.lang-opt.active .lang-opt-code { background: var(--navy-800); color: #fff; }
.lang-opt.active .lang-opt-check { opacity: 1; }

/* Markets / indicative-rates ticker */
.markets { background: var(--navy-900); border-top: 1px solid rgba(255,255,255,0.06); border-bottom: 1px solid var(--line); }
.markets .container { display: flex; align-items: center; gap: 18px; height: 46px; }
.mk-label { display: inline-flex; align-items: center; gap: 8px; font-size: 0.71rem; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 700; color: var(--gold-soft); white-space: nowrap; flex-shrink: 0; }
.mk-dot { width: 7px; height: 7px; border-radius: 50%; background: #36c281; box-shadow: 0 0 0 3px rgba(54,194,129,0.22); animation: mkpulse 2.2s ease-in-out infinite; }
@keyframes mkpulse { 0%,100% { opacity: 1; } 50% { opacity: 0.35; } }
.mk-track { display: flex; align-items: center; gap: 22px; flex: 1; overflow-x: auto; scrollbar-width: none; }
.mk-track::-webkit-scrollbar { display: none; }
.mk-item { display: inline-flex; align-items: baseline; gap: 7px; white-space: nowrap; }
.mk-item b { color: #8ea2be; font-weight: 600; font-size: 0.77rem; letter-spacing: 0.01em; }
.mk-val { color: #fff; font-weight: 700; font-size: 0.84rem; font-variant-numeric: tabular-nums; }
.mk-item i { font-style: normal; font-size: 0.73rem; font-weight: 700; }
.mk-up { color: #4fbf84; }
.mk-down { color: #e58b8b; }
.mk-sep { width: 1px; height: 18px; background: rgba(255,255,255,0.14); flex-shrink: 0; }
.mk-updated { font-size: 0.71rem; color: #6f84a3; white-space: nowrap; flex-shrink: 0; }

/* Footer credit-ratings band */
.ratings-band { display: flex; align-items: center; justify-content: space-between; gap: 20px 30px; flex-wrap: wrap; padding-bottom: 30px; margin-bottom: 36px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.ratings-label { font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 700; color: #7e93b3; }
.ratings-list { display: flex; gap: 12px; flex-wrap: wrap; }
.rating-chip { display: inline-flex; align-items: center; gap: 9px; padding: 7px 15px; border: 1px solid rgba(255,255,255,0.12); border-radius: 8px; background: rgba(255,255,255,0.03); }
.rating-chip small { color: #8ea2be; font-size: 0.74rem; font-weight: 600; }
.rating-chip b { color: var(--gold-soft); font-size: 0.98rem; font-weight: 700; font-family: var(--serif); }

@media (max-width: 980px) {
  .seg-tab:nth-child(n+3) { display: none; }
  .util-link { display: none; }
}
@media (max-width: 760px) {
  .seg-tabs { display: none; }
  .util-region { display: none; }
  .util-strip .container { justify-content: flex-end; gap: 14px; }
  .lang-name { display: none; }
  .mk-updated { display: none; }
  .markets .container { gap: 14px; }
}

@media (max-width: 720px) {
  body { font-size: 14px; }
  .site-nav { display: none; }
  .topbar-strip { display: none; }
  .features-grid { grid-template-columns: 1fr; }
  .stats-band .container { grid-template-columns: repeat(2, 1fr); gap: 30px 20px; }
  .cards-3, .cards-4, .cards-2 { grid-template-columns: 1fr; }
  .field-row { flex-direction: column; gap: 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .balance-hero .amt { font-size: 2.1rem; }
  .content { padding: 16px; }
  .dropdown-panel { width: calc(100vw - 32px); right: -8px; }
  .hero .container { padding: 56px 0 64px; }
  .cta-box { padding: 40px 24px; }
  .kv { grid-template-columns: 1fr; }
  .step .st-label { display: none; }
}