/* ============================================================
   Bank of America — Complete Stylesheet
   BofA-inspired: Red #E31837 · Navy #012169 · White
   Fonts: Merriweather (serif headings) + Nunito Sans (body)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Merriweather:wght@400;700;900&family=Nunito+Sans:wght@300;400;600;700;800&display=swap');

/* ── RESET ──────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{font-family:'Nunito Sans',system-ui,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
h1,h2,h3,h4,h5,h6{font-family:'Merriweather',Georgia,serif;line-height:1.2;font-weight:700;}
a{text-decoration:none;color:inherit;}
button{font-family:'Nunito Sans',sans-serif;cursor:pointer;border:none;outline:none;}
img{display:block;max-width:100%;}
input,textarea,select{font-family:'Nunito Sans',sans-serif;outline:none;}
input[type=number]::-webkit-inner-spin-button,
input[type=number]::-webkit-outer-spin-button{-webkit-appearance:none;}
::-webkit-scrollbar{width:6px;height:6px;}
::-webkit-scrollbar-track{background:transparent;}
::-webkit-scrollbar-thumb{background:var(--border);border-radius:3px;}

/* ── TOKENS ─────────────────────────────────────────────────── */
:root{
  /* Brand */
  --red:        #E31837;
  --red-d:      #B8122B;
  --red-l:      #FEF0F3;
  --red-ll:     #FFF7F8;
  --navy:       #012169;
  --navy-d:     #011245;
  --navy-2:     #0A2D7A;
  --navy-l:     #E8EDF8;
  --navy-ll:    #F0F4FC;

  /* Semantic */
  --blue:       #E31837;
  --blue-d:     #B8122B;
  --blue-l:     #FEF0F3;
  --blue-ll:    #FFF7F8;
  --cyan:       #012169;
  --green:      #1E7E34;
  --green-l:    #EDFAF1;
  --amber:      #C07A00;
  --amber-l:    #FFF8E6;
  --purple:     #5B21B6;

  /* Neutrals — Light */
  --bg:         #F4F5F7;
  --bg-2:       #FFFFFF;
  --text:       #1A1A1A;
  --text-2:     #4A4A4A;
  --text-3:     #888888;
  --border:     #D4D7DE;
  --border-2:   #EAECF0;
  --surface:    #F4F5F7;
  --surface-2:  #FFFFFF;

  /* Shadows */
  --sh-xs: 0 1px 2px rgba(0,0,0,.05);
  --sh-sm: 0 1px 4px rgba(0,0,0,.08);
  --sh-md: 0 2px 10px rgba(0,0,0,.09);
  --sh-lg: 0 4px 20px rgba(0,0,0,.10);
  --sh-xl: 0 8px 30px rgba(0,0,0,.12);
  --sh-2xl:0 16px 48px rgba(0,0,0,.14);
  --sh-red:0 4px 16px rgba(227,24,55,.30);
  --sh-navy:0 4px 16px rgba(1,33,105,.25);

  /* Radius */
  --r-xs:  2px;
  --r-sm:  4px;
  --r-md:  6px;
  --r-lg:  8px;
  --r-xl:  12px;
  --r-2xl: 16px;
  --r-3xl: 24px;
  --r-full:9999px;

  /* Type */
  --font-serif:'Merriweather',Georgia,serif;
  --font-sans: 'Nunito Sans',system-ui,sans-serif;

  /* Motion */
  --ease:  cubic-bezier(.16,1,.3,1);
  --ease-in:cubic-bezier(.4,0,1,1);
  --t-fast:150ms;
  --t-base:250ms;
  --t-slow:400ms;
}

/* ── DARK MODE ──────────────────────────────────────────────── */
[data-theme=dark]{
  --bg:      #0F0F12;
  --bg-2:    #1A1A22;
  --text:    #F2F2F5;
  --text-2:  #A0A0B0;
  --text-3:  #606070;
  --border:  #2E2E3E;
  --border-2:#242432;
  --surface: #1A1A22;
  --surface-2:#222232;
  --blue-l:  rgba(227,24,55,.12);
  --blue-ll: rgba(227,24,55,.06);
  --navy-l:  rgba(1,33,105,.22);
  --navy-ll: rgba(1,33,105,.12);
}

/* ══════════════════════════════════════════════════════════════
   SHARED ATOMS
══════════════════════════════════════════════════════════════ */

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--font-sans);font-size:14px;font-weight:700;
  padding:10px 22px;border-radius:var(--r-sm);border:none;
  cursor:pointer;white-space:nowrap;letter-spacing:.1px;
  transition:all var(--t-base) var(--ease);
  position:relative;overflow:hidden;
}
.btn::after{
  content:'';position:absolute;inset:0;
  background:rgba(255,255,255,.0);
  transition:background var(--t-fast);
}
.btn:hover::after{background:rgba(255,255,255,.08);}
.btn:active{transform:scale(.98);}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none !important;}
.btn.sm{padding:7px 16px;font-size:13px;}
.btn.lg{padding:13px 28px;font-size:15px;}
.btn.xl{padding:15px 36px;font-size:16px;}
.btn.full{width:100%;display:flex;}

.btn-primary{background:var(--red);color:#fff;box-shadow:var(--sh-red);}
.btn-primary:hover{background:var(--red-d);}
.btn-navy{background:var(--navy);color:#fff;box-shadow:var(--sh-navy);}
.btn-navy:hover{background:var(--navy-d);}
.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy);}
.btn-outline:hover{background:var(--navy);color:#fff;}
.btn-outline-white{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.6);}
.btn-outline-white:hover{background:rgba(255,255,255,.15);border-color:#fff;}
.btn-outline-red{background:transparent;color:var(--red);border:2px solid var(--red);}
.btn-outline-red:hover{background:var(--red);color:#fff;}
.btn-ghost{background:none;color:var(--text-2);border:1px solid var(--border);}
.btn-ghost:hover{background:var(--surface);color:var(--text);}
.btn-green{background:var(--green);color:#fff;}
.btn-danger{background:var(--red);color:#fff;}

/* Logo */
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;cursor:pointer;}
.logo-mark{
  width:38px;height:38px;border-radius:var(--r-sm);
  background:var(--red);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;overflow:hidden;
}
.logo-mark img{width:100%;height:100%;object-fit:contain;}
.logo-mark svg{width:22px;height:22px;color:#fff;}
.logo-mark.sm{width:30px;height:30px;}
.logo-mark.sm svg{width:16px;height:16px;}
.logo-text{font-family:var(--font-serif);font-size:17px;font-weight:700;color:var(--navy);letter-spacing:-.2px;}
.logo-text em{font-style:normal;color:var(--red);}
[data-theme=dark] .logo-text{color:#fff;}

/* Form */
.field{margin-bottom:16px;}
.field label{display:block;font-size:13px;font-weight:700;color:var(--text-2);margin-bottom:5px;letter-spacing:.1px;}
.field input,.field select,.field textarea{
  width:100%;padding:11px 14px;
  border:1.5px solid var(--border);border-radius:var(--r-md);
  font-size:15px;font-family:var(--font-sans);
  color:var(--text);background:var(--surface-2);
  transition:border-color var(--t-fast),box-shadow var(--t-fast);
}
.field input:focus,.field select:focus,.field textarea:focus{
  border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(1,33,105,.10);
}
.field textarea{min-height:90px;resize:vertical;}
.field-hint{font-size:11.5px;color:var(--text-3);margin-top:4px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
@media(max-width:480px){.field-row{grid-template-columns:1fr;}}
[data-theme=dark] .field input,[data-theme=dark] .field select,[data-theme=dark] .field textarea{
  background:var(--surface-2);border-color:var(--border);color:var(--text);
}
.form-err{
  background:var(--red-l);border:1px solid rgba(227,24,55,.3);
  border-radius:var(--r-md);padding:10px 14px;
  font-size:13px;color:var(--red-d);font-weight:600;
  margin-bottom:14px;display:none;
}

/* Card */
.card{background:var(--bg-2);border:1px solid var(--border);border-radius:var(--r-lg);padding:20px;box-shadow:var(--sh-xs);}
.card-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;}
.card-head h3{font-size:15px;font-weight:700;color:var(--text);}
.card-link{font-size:13px;color:var(--red);font-weight:700;cursor:pointer;transition:color var(--t-fast);}
.card-link:hover{color:var(--red-d);text-decoration:underline;}

/* Modal */
.overlay{
  position:fixed;inset:0;z-index:1000;
  background:rgba(0,0,0,.55);backdrop-filter:blur(3px);
  display:flex;align-items:center;justify-content:center;padding:16px;
  opacity:0;pointer-events:none;transition:opacity var(--t-base);
}
.overlay.open{opacity:1;pointer-events:all;}
.modal-box{
  background:var(--bg-2);border-radius:var(--r-xl);
  width:100%;max-width:500px;max-height:88vh;overflow-y:auto;
  padding:28px;box-shadow:var(--sh-2xl);border:1px solid var(--border);
  transform:scale(.96) translateY(12px);
  transition:transform var(--t-base) var(--ease);
}
.overlay.open .modal-box{transform:scale(1) translateY(0);}
.modal-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px;}
.modal-head h3{font-size:18px;font-weight:700;color:var(--navy);}
[data-theme=dark] .modal-head h3{color:#fff;}
.modal-close{
  width:32px;height:32px;border-radius:50%;
  background:var(--surface);border:1px solid var(--border);
  color:var(--text-2);display:flex;align-items:center;justify-content:center;
  cursor:pointer;font-size:18px;transition:all var(--t-fast);
}
.modal-close:hover{background:var(--red);color:#fff;border-color:var(--red);}

/* Toast */
.toast{
  position:fixed;bottom:24px;right:24px;z-index:9999;
  background:var(--navy);color:#fff;
  border-radius:var(--r-xl);overflow:hidden;
  display:flex;align-items:stretch;
  box-shadow:0 8px 32px rgba(1,33,105,.35);
  min-width:300px;max-width:380px;
  transform:translateY(110%) scale(.95);opacity:0;
  transition:transform .4s cubic-bezier(.34,1.56,.64,1),opacity .3s ease;
}
.toast.show{transform:translateY(0) scale(1);opacity:1;}
.toast-bar{width:5px;flex-shrink:0;background:var(--red);}
.toast-bar.green{background:var(--green);}
.toast-bar.amber{background:var(--amber);}
.toast-bar.red{background:#ff4444;}
.toast-body{padding:14px 16px;flex:1;}
.toast-title{font-weight:800;font-size:14px;margin-bottom:2px;}
.toast-msg{font-size:13px;opacity:.8;line-height:1.4;}
.toast-x{padding:14px 12px;display:flex;align-items:center;opacity:.5;cursor:pointer;font-size:18px;}
.toast-x:hover{opacity:1;}

/* Badge */
.badge{display:inline-flex;align-items:center;gap:4px;padding:3px 9px;border-radius:var(--r-full);font-size:11.5px;font-weight:700;}
.badge-green{background:var(--green-l);color:var(--green);}
.badge-red{background:var(--red-l);color:var(--red);}
.badge-amber{background:var(--amber-l);color:var(--amber);}
.badge-navy{background:var(--navy-l);color:var(--navy);}
.badge-gray{background:var(--surface);color:var(--text-3);border:1px solid var(--border);}

/* Tabs */
.tab-bar{display:flex;border-bottom:2px solid var(--border);overflow-x:auto;scrollbar-width:none;}
.tab-bar::-webkit-scrollbar{display:none;}
.tab-btn{
  padding:10px 20px;font-size:14px;font-weight:700;
  color:var(--text-3);background:none;border:none;
  border-bottom:3px solid transparent;margin-bottom:-2px;
  cursor:pointer;white-space:nowrap;
  transition:all var(--t-fast);font-family:var(--font-sans);
}
.tab-btn:hover{color:var(--navy);}
.tab-btn.active{color:var(--navy);border-bottom-color:var(--red);}
[data-theme=dark] .tab-btn.active{color:#fff;}
.tab-pane{display:none;padding-top:20px;}
.tab-pane.active{display:block;}

/* Toggle */
.toggle{position:relative;display:inline-block;width:44px;height:24px;flex-shrink:0;}
.toggle input{opacity:0;width:0;height:0;}
.toggle-sl{position:absolute;inset:0;background:var(--border);border-radius:var(--r-full);cursor:pointer;transition:background var(--t-fast);}
.toggle-sl::before{content:'';position:absolute;h:18px;width:18px;height:18px;left:3px;bottom:3px;background:#fff;border-radius:50%;transition:transform var(--t-fast);box-shadow:0 1px 4px rgba(0,0,0,.2);}
.toggle input:checked+.toggle-sl{background:var(--red);}
.toggle input:checked+.toggle-sl::before{transform:translateX(20px);}

/* Divider */
.divider{height:1px;background:var(--border);margin:20px 0;}
.divider-text{display:flex;align-items:center;gap:12px;color:var(--text-3);font-size:13px;margin:20px 0;}
.divider-text::before,.divider-text::after{content:'';flex:1;height:1px;background:var(--border);}

/* Page overlay modal */
.pm{position:fixed;inset:0;z-index:1800;background:rgba(0,0,0,.5);display:none;overflow-y:auto;}
.pm.open{display:block;}
.pm-inner{max-width:720px;margin:40px auto 40px;background:var(--bg-2);border-radius:var(--r-xl);padding:36px;box-shadow:var(--sh-2xl);border:1px solid var(--border);}
.pm-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:24px;padding-bottom:16px;border-bottom:1px solid var(--border);}
.pm-head h2{font-size:20px;color:var(--navy);}
[data-theme=dark] .pm-head h2{color:#fff;}
@media(max-width:768px){.pm-inner{margin:0;border-radius:0;min-height:100vh;}}

/* ══════════════════════════════════════════════════════════════
   LANDING PAGE (index.html)
══════════════════════════════════════════════════════════════ */

/* Nav */
.lp-nav{
  position:fixed;top:0;left:0;right:0;z-index:900;
  background:#fff;
  border-bottom:3px solid var(--red);
  height:62px;display:flex;align-items:center;
  padding:0 32px;
  box-shadow:0 2px 12px rgba(0,0,0,.08);
  transition:box-shadow var(--t-base);
}
.lp-nav.scrolled{box-shadow:0 4px 20px rgba(0,0,0,.12);}
.lp-nav-inner{display:flex;align-items:center;width:100%;max-width:1200px;margin:0 auto;gap:24px;}
.lp-nav-links{display:flex;align-items:center;gap:4px;flex:1;margin-left:20px;}
.lp-nav-link{
  font-size:13.5px;font-weight:700;color:var(--text-2);
  padding:6px 12px;border-radius:var(--r-sm);
  transition:all var(--t-fast);cursor:pointer;
  font-family:var(--font-sans);border:none;background:none;
  position:relative;
}
.lp-nav-link:hover{color:var(--navy);background:var(--navy-ll);}
.lp-nav-link.active{color:var(--navy);}
.lp-nav-right{display:flex;align-items:center;gap:10px;flex-shrink:0;}
.lp-nav-signin{
  font-size:13.5px;font-weight:700;color:var(--navy);
  padding:7px 16px;border-radius:var(--r-sm);
  border:none;background:none;cursor:pointer;
  transition:background var(--t-fast);font-family:var(--font-sans);
}
.lp-nav-signin:hover{background:var(--navy-ll);}

/* Mobile nav */
.lp-hamburger{
  display:none;
  background:none;border:none;
  padding:8px;cursor:pointer;
  flex-direction:column;gap:5px;
  margin-left:auto;
}
.lp-hamburger span{
  display:block;width:24px;height:2px;
  background:var(--navy);border-radius:2px;
  transition:all var(--t-base);
}
.lp-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.lp-hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0);}
.lp-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

.lp-mobile-menu{
  position:fixed;top:62px;left:0;right:0;bottom:0;z-index:850;
  background:#fff;padding:20px 24px;
  transform:translateX(100%);
  transition:transform var(--t-base) var(--ease);
  overflow-y:auto;display:flex;flex-direction:column;gap:4px;
}
.lp-mobile-menu.open{transform:translateX(0);}
.lp-mobile-link{
  display:block;padding:14px 16px;font-size:16px;font-weight:700;
  color:var(--navy);border-radius:var(--r-md);
  cursor:pointer;border:none;background:none;text-align:left;
  font-family:var(--font-sans);
  border-bottom:1px solid var(--border-2);
  transition:background var(--t-fast);
}
.lp-mobile-link:hover{background:var(--navy-ll);}
.lp-mobile-btns{margin-top:20px;display:flex;flex-direction:column;gap:10px;}

/* Hero */
.lp-hero{
  padding:110px 32px 0;
  background:var(--navy);
  overflow:hidden;position:relative;
}
.lp-hero-bg{
  position:absolute;inset:0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(227,24,55,.18) 0%, transparent 60%),
    radial-gradient(ellipse 60% 80% at 20% 80%, rgba(255,255,255,.04) 0%, transparent 50%);
}
.lp-hero-grid{
  position:absolute;inset:0;opacity:.04;
  background-image:
    linear-gradient(rgba(255,255,255,.5) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.5) 1px,transparent 1px);
  background-size:40px 40px;
}
.lp-hero-inner{
  max-width:1200px;margin:0 auto;
  display:grid;grid-template-columns:1fr 1fr;gap:60px;
  align-items:center;position:relative;z-index:1;
  padding-bottom:60px;
}
.lp-hero-left{color:#fff;}
.lp-hero-eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(227,24,55,.2);border:1px solid rgba(227,24,55,.35);
  color:rgba(255,255,255,.9);padding:5px 14px;border-radius:var(--r-full);
  font-size:12px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;
  margin-bottom:20px;
}
.lp-hero-eyebrow span{width:6px;height:6px;border-radius:50%;background:var(--red);flex-shrink:0;}
.lp-hero h1{
  font-size:clamp(32px,4.5vw,52px);
  font-weight:900;line-height:1.1;
  color:#fff;margin-bottom:20px;
}
.lp-hero h1 span{color:var(--red);}
.lp-hero-sub{
  font-size:17px;color:rgba(255,255,255,.72);
  line-height:1.7;margin-bottom:32px;max-width:480px;
}
.lp-hero-btns{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:36px;}
.lp-hero-trust{display:flex;align-items:center;gap:20px;flex-wrap:wrap;}
.lp-hero-trust-item{
  display:flex;align-items:center;gap:7px;
  font-size:13px;color:rgba(255,255,255,.6);font-weight:600;
}
.lp-hero-trust-item svg{color:rgba(255,255,255,.4);flex-shrink:0;}

/* Hero card mockup */
.lp-hero-right{display:flex;align-items:center;justify-content:center;position:relative;}
.hero-card-wrap{position:relative;animation:heroFloat 4s ease-in-out infinite;}
@keyframes heroFloat{0%,100%{transform:translateY(0);}50%{transform:translateY(-12px);}}
.hero-card{
  width:320px;background:linear-gradient(135deg,#1a3a8f,#012169);
  border-radius:18px;padding:28px;color:#fff;
  box-shadow:0 24px 60px rgba(0,0,0,.4),0 0 0 1px rgba(255,255,255,.08);
  position:relative;overflow:hidden;
}
.hero-card::before{
  content:'';position:absolute;top:-40px;right:-40px;
  width:180px;height:180px;border-radius:50%;
  background:rgba(227,24,55,.2);
}
.hero-card::after{
  content:'';position:absolute;bottom:-60px;left:-20px;
  width:160px;height:160px;border-radius:50%;
  background:rgba(255,255,255,.04);
}
.hc-chip{
  width:40px;height:30px;border-radius:5px;
  background:linear-gradient(135deg,#f0c040,#c89000);
  margin-bottom:24px;position:relative;z-index:1;
}
.hc-num{
  font-family:monospace;font-size:16px;font-weight:700;
  letter-spacing:3px;margin-bottom:24px;
  position:relative;z-index:1;opacity:.9;
}
.hc-row{display:flex;justify-content:space-between;align-items:flex-end;position:relative;z-index:1;}
.hc-label{font-size:9px;opacity:.5;text-transform:uppercase;letter-spacing:1px;}
.hc-val{font-size:13px;font-weight:700;margin-top:3px;}
.hc-brand{
  position:absolute;bottom:24px;right:24px;z-index:2;
  font-family:var(--font-serif);font-size:11px;font-weight:700;
  color:rgba(255,255,255,.3);text-align:right;
}

/* Floating notifications on hero */
.hero-notif{
  position:absolute;background:rgba(255,255,255,.96);
  border-radius:var(--r-xl);padding:12px 16px;
  box-shadow:var(--sh-xl);min-width:200px;
  display:flex;align-items:center;gap:10px;
  backdrop-filter:blur(10px);
  animation:notifPop .6s var(--ease) both;
}
.hero-notif.n1{top:-20px;right:-50px;animation-delay:.3s;}
.hero-notif.n2{bottom:10px;left:-60px;animation-delay:.6s;}
@keyframes notifPop{from{opacity:0;transform:scale(.8) translateY(10px);}to{opacity:1;transform:scale(1) translateY(0);}}
.hn-ico{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;}
.hn-ico.green{background:var(--green-l);}
.hn-ico.red{background:var(--red-l);}
.hn-title{font-size:12px;font-weight:800;color:var(--navy);}
.hn-sub{font-size:11px;color:var(--text-3);}

/* Trust bar */
.trust-bar{
  background:var(--navy-d);
  border-top:1px solid rgba(255,255,255,.06);
  padding:16px 32px;
}
.trust-bar-inner{
  max-width:1200px;margin:0 auto;
  display:flex;align-items:center;justify-content:center;
  gap:36px;flex-wrap:wrap;
}
.trust-item{
  display:flex;align-items:center;gap:8px;
  font-size:13px;font-weight:700;color:rgba(255,255,255,.6);
}
.trust-item svg{color:rgba(255,255,255,.35);}

/* Section */
.section{padding:80px 32px;max-width:1200px;margin:0 auto;}
.section.full{max-width:none;padding-left:0;padding-right:0;}
.section-eyebrow{
  font-size:11px;font-weight:800;color:var(--red);
  letter-spacing:1.5px;text-transform:uppercase;margin-bottom:10px;
}
.section-title{
  font-size:clamp(26px,3.5vw,40px);font-weight:900;
  color:var(--navy);margin-bottom:14px;
}
[data-theme=dark] .section-title{color:#fff;}
.section-sub{font-size:16px;color:var(--text-2);line-height:1.7;max-width:560px;}
.section-head{margin-bottom:48px;}
.section-head.center{text-align:center;}
.section-head.center .section-sub{margin:0 auto;}

/* Features grid */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:900px){.feat-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:580px){.feat-grid{grid-template-columns:1fr;}}
.feat-card{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:28px;
  transition:all var(--t-base) var(--ease);
  cursor:default;
}
.feat-card:hover{box-shadow:var(--sh-lg);transform:translateY(-3px);border-color:rgba(227,24,55,.2);}
.feat-ico{
  width:48px;height:48px;border-radius:var(--r-md);
  background:var(--red-l);display:flex;align-items:center;justify-content:center;
  font-size:22px;margin-bottom:16px;
  transition:background var(--t-fast);
}
.feat-card:hover .feat-ico{background:var(--red);filter:none;}
.feat-card h4{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:8px;}
[data-theme=dark] .feat-card h4{color:#fff;}
.feat-card p{font-size:14px;color:var(--text-2);line-height:1.65;}

/* Stats strip */
.stats-strip{background:var(--navy);padding:48px 32px;}
.stats-strip-inner{
  max-width:1200px;margin:0 auto;
  display:flex;align-items:center;justify-content:space-around;
  flex-wrap:wrap;gap:32px;
}
.stat-item{text-align:center;color:#fff;}
.stat-num{
  font-family:var(--font-serif);font-size:40px;font-weight:900;
  color:#fff;line-height:1;
}
.stat-num span{color:var(--red);}
.stat-lbl{font-size:13px;opacity:.6;margin-top:6px;font-weight:600;}

/* Account cards */
.acc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:900px){.acc-grid{grid-template-columns:1fr 1fr;}}
@media(max-width:580px){.acc-grid{grid-template-columns:1fr;}}
.acc-card{
  background:var(--navy);color:#fff;
  border-radius:var(--r-lg);padding:28px;
  border-left:4px solid var(--red);
  position:relative;overflow:hidden;
  transition:transform var(--t-base) var(--ease);
}
.acc-card:hover{transform:translateY(-4px);}
.acc-card::after{
  content:'';position:absolute;top:-20px;right:-20px;
  width:100px;height:100px;border-radius:50%;
  background:rgba(227,24,55,.15);
}
.acc-card-type{font-size:10px;font-weight:800;opacity:.5;letter-spacing:1.2px;text-transform:uppercase;margin-bottom:10px;}
.acc-card-name{font-size:20px;font-weight:700;margin-bottom:8px;font-family:var(--font-serif);}
.acc-card-apy{font-size:28px;font-weight:900;color:var(--red);font-family:var(--font-serif);margin-bottom:6px;}
.acc-card-apy span{font-size:13px;font-weight:700;opacity:.7;}
.acc-card-desc{font-size:13px;opacity:.65;line-height:1.6;margin-bottom:18px;}
.acc-card-link{font-size:13px;font-weight:700;color:rgba(255,255,255,.9);cursor:pointer;display:inline-flex;align-items:center;gap:5px;}
.acc-card-link:hover{color:var(--red);}

/* Rates table */
.rates-table{width:100%;border-collapse:collapse;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-sm);border:1px solid var(--border);}
.rates-table th{
  background:var(--navy);color:#fff;
  padding:14px 20px;font-size:13px;font-weight:700;text-align:left;
  letter-spacing:.3px;
}
.rates-table td{padding:14px 20px;font-size:14px;color:var(--text);border-bottom:1px solid var(--border-2);}
.rates-table tr:last-child td{border-bottom:none;}
.rates-table tr:hover td{background:var(--red-ll);}
.rates-table .rate-val{font-weight:800;color:var(--red);font-size:16px;font-family:var(--font-serif);}
.rates-table .rate-live{display:inline-flex;align-items:center;gap:5px;font-size:11.5px;font-weight:700;color:var(--green);background:var(--green-l);padding:3px 9px;border-radius:var(--r-full);}
.rates-table .rate-live::before{content:'';width:6px;height:6px;border-radius:50%;background:var(--green);}

/* How it works */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
@media(max-width:768px){.steps{grid-template-columns:1fr 1fr;}}
@media(max-width:480px){.steps{grid-template-columns:1fr;}}
.steps::before{
  content:'';position:absolute;top:28px;left:12.5%;right:12.5%;
  height:2px;background:linear-gradient(90deg,var(--red),var(--navy));
  z-index:0;
}
@media(max-width:768px){.steps::before{display:none;}}
.step{text-align:center;padding:0 16px;position:relative;z-index:1;}
.step-num{
  width:56px;height:56px;border-radius:50%;
  background:var(--red);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:20px;font-weight:900;font-family:var(--font-serif);
  margin:0 auto 16px;box-shadow:var(--sh-red);
}
.step h4{font-size:15px;font-weight:700;color:var(--navy);margin-bottom:7px;}
[data-theme=dark] .step h4{color:#fff;}
.step p{font-size:13px;color:var(--text-2);line-height:1.6;}

/* Calculator */
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;}
@media(max-width:768px){.calc-wrap{grid-template-columns:1fr;}}
.calc-result-card{
  background:var(--navy);border-radius:var(--r-lg);padding:28px;color:#fff;
  position:sticky;top:80px;
}
.calc-result-label{font-size:11px;font-weight:800;opacity:.5;letter-spacing:1px;text-transform:uppercase;margin-bottom:6px;}
.calc-result-num{font-family:var(--font-serif);font-size:42px;font-weight:900;color:#fff;line-height:1;margin-bottom:4px;}
.calc-extra{font-size:22px;font-weight:900;color:var(--red);font-family:var(--font-serif);margin-top:14px;}
.calc-extra span{font-size:13px;font-weight:700;opacity:.7;}
.calc-bar{height:8px;border-radius:var(--r-full);background:rgba(255,255,255,.1);overflow:hidden;margin:14px 0 6px;}
.calc-bar-fill{height:100%;border-radius:var(--r-full);background:var(--red);transition:width .6s var(--ease);}
.calc-compare{font-size:12px;opacity:.55;}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:10px;}
.faq-item{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);overflow:hidden;
  transition:border-color var(--t-fast);
}
.faq-item.open{border-color:var(--red);}
.faq-q{
  display:flex;align-items:center;justify-content:space-between;
  padding:18px 20px;cursor:pointer;
  font-size:15px;font-weight:700;color:var(--navy);
  transition:color var(--t-fast);
}
[data-theme=dark] .faq-q{color:#fff;}
.faq-q:hover{color:var(--red);}
.faq-icon{
  width:24px;height:24px;border-radius:50%;
  background:var(--surface);border:1px solid var(--border);
  display:flex;align-items:center;justify-content:center;
  font-size:16px;color:var(--text-2);flex-shrink:0;
  transition:all var(--t-fast);
}
.faq-item.open .faq-icon{background:var(--red);color:#fff;border-color:var(--red);transform:rotate(45deg);}
.faq-a{
  padding:0 20px;max-height:0;overflow:hidden;
  font-size:14px;color:var(--text-2);line-height:1.7;
  transition:max-height .3s ease,padding .3s ease;
}
.faq-item.open .faq-a{max-height:300px;padding:0 20px 18px;}

/* CTA strip */
.cta-strip{
  background:linear-gradient(135deg,var(--navy),var(--navy-2));
  padding:80px 32px;text-align:center;position:relative;overflow:hidden;
}
.cta-strip::before{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 60% 80% at 80% 50%,rgba(227,24,55,.15) 0%,transparent 60%);
}
.cta-strip-inner{max-width:640px;margin:0 auto;position:relative;z-index:1;}
.cta-strip h2{font-size:clamp(26px,4vw,40px);font-weight:900;color:#fff;margin-bottom:14px;}
.cta-strip p{font-size:16px;color:rgba(255,255,255,.65);margin-bottom:32px;line-height:1.7;}
.cta-btns{display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;}

/* Footer */
.lp-footer{background:var(--navy-d);padding:64px 32px 32px;}
.lp-footer-grid{
  max-width:1200px;margin:0 auto 48px;
  display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:40px;
}
@media(max-width:900px){.lp-footer-grid{grid-template-columns:1fr 1fr 1fr;}}
@media(max-width:580px){.lp-footer-grid{grid-template-columns:1fr 1fr;}}
.lp-footer-brand .logo-text{color:#fff;}
.lp-footer-brand p{font-size:13px;color:rgba(255,255,255,.45);margin-top:12px;line-height:1.7;max-width:240px;}
.lp-footer-col h5{
  font-size:11px;font-weight:800;color:rgba(255,255,255,.8);
  text-transform:uppercase;letter-spacing:1px;margin-bottom:14px;
}
.lp-footer-col a{
  display:block;font-size:13.5px;color:rgba(255,255,255,.45);
  margin-bottom:9px;cursor:pointer;transition:color var(--t-fast);
}
.lp-footer-col a:hover{color:#fff;}
.lp-footer-bottom{
  max-width:1200px;margin:0 auto;
  border-top:1px solid rgba(255,255,255,.08);
  padding-top:24px;
  display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;
}
.lp-footer-bottom p{font-size:12px;color:rgba(255,255,255,.35);}
.fdic{
  display:inline-flex;align-items:center;gap:6px;
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
  padding:5px 12px;border-radius:var(--r-sm);
  font-size:11px;font-weight:800;color:rgba(255,255,255,.5);
  letter-spacing:.5px;
}

/* ── LOGIN/SIGNUP MODAL ──────────────────────────────────────── */
#auth-overlay{
  position:fixed;inset:0;z-index:2000;
  background:rgba(0,0,0,.6);backdrop-filter:blur(4px);
  display:none;align-items:center;justify-content:center;padding:16px;
}
#auth-overlay.open{display:flex;}
.auth-box{
  background:var(--bg-2);border-radius:var(--r-xl);
  width:100%;max-width:440px;
  box-shadow:var(--sh-2xl);border:1px solid var(--border);
  overflow:hidden;
  animation:authPop .3s var(--ease) both;
}
@keyframes authPop{from{opacity:0;transform:scale(.95) translateY(10px);}to{opacity:1;transform:scale(1) translateY(0);}}
.auth-head{
  background:var(--navy);padding:24px 28px 20px;
  display:flex;align-items:center;justify-content:space-between;
}
.auth-head-logo .logo-text{color:#fff;}
.auth-head-close{
  width:32px;height:32px;border-radius:50%;
  background:rgba(255,255,255,.1);border:none;
  color:rgba(255,255,255,.7);display:flex;align-items:center;
  justify-content:center;cursor:pointer;font-size:18px;
  transition:all var(--t-fast);
}
.auth-head-close:hover{background:rgba(255,255,255,.2);color:#fff;}
.auth-tabs-bar{display:flex;border-bottom:1px solid var(--border);}
.auth-tab{
  flex:1;padding:14px;font-size:14px;font-weight:700;
  color:var(--text-3);background:none;border:none;
  border-bottom:3px solid transparent;margin-bottom:-1px;
  cursor:pointer;transition:all var(--t-fast);font-family:var(--font-sans);
}
.auth-tab.active{color:var(--navy);border-bottom-color:var(--red);}
.auth-body{padding:24px 28px;}
.auth-step{display:none;}
.auth-step.active{display:block;}

/* ══════════════════════════════════════════════════════════════
   DASHBOARD (app.html)
══════════════════════════════════════════════════════════════ */

/* Layout */
.app-wrap{display:flex;min-height:100vh;background:var(--bg);}

/* Sidebar */
.sidebar{
  width:252px;flex-shrink:0;
  background:var(--navy);
  position:fixed;top:0;left:0;bottom:0;z-index:200;
  display:flex;flex-direction:column;
  overflow-y:auto;overflow-x:hidden;
  transition:transform var(--t-base) var(--ease);
}
.sidebar::-webkit-scrollbar{width:3px;}
.sidebar::-webkit-scrollbar-thumb{background:rgba(255,255,255,.1);}

/* Sidebar header */
.sb-head{
  padding:18px 16px 16px;
  border-bottom:1px solid rgba(255,255,255,.07);
  display:flex;align-items:center;gap:10px;
  flex-shrink:0;
}
.sb-head .logo-text{color:#fff;font-size:15px;}
.sb-head .logo-mark{background:var(--red);}

/* Sidebar user */
.sb-user{
  padding:16px;
  border-bottom:1px solid rgba(255,255,255,.07);
  text-align:center;flex-shrink:0;
}
.sb-avatar{
  width:56px;height:56px;border-radius:50%;
  background:var(--red);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-serif);font-size:22px;font-weight:700;
  margin:0 auto 10px;cursor:pointer;overflow:hidden;
  border:3px solid rgba(255,255,255,.15);
  transition:border-color var(--t-fast);
}
.sb-avatar:hover{border-color:rgba(255,255,255,.35);}
.sb-avatar img{width:100%;height:100%;object-fit:cover;}
.sb-name{font-size:13.5px;font-weight:800;color:#fff;line-height:1.2;}
.sb-acct{font-size:11px;color:rgba(255,255,255,.38);margin-top:3px;font-family:monospace;}
.sb-kyc{
  display:inline-flex;align-items:center;gap:4px;margin-top:7px;
  background:rgba(30,126,52,.25);border:1px solid rgba(30,126,52,.35);
  color:#4ade80;font-size:10.5px;font-weight:700;
  padding:3px 10px;border-radius:var(--r-full);
}
.sb-action-btns{display:flex;gap:8px;margin-top:11px;}
.sb-action-btn{
  flex:1;padding:7px 6px;font-size:11.5px;font-weight:700;
  border-radius:var(--r-sm);cursor:pointer;
  font-family:var(--font-sans);transition:all var(--t-fast);border:none;
}
.sb-profile-btn{background:rgba(255,255,255,.08);color:rgba(255,255,255,.8);}
.sb-profile-btn:hover{background:rgba(255,255,255,.16);color:#fff;}
.sb-logout-btn{background:rgba(227,24,55,.18);color:#ff9999;border:1px solid rgba(227,24,55,.25);}
.sb-logout-btn:hover{background:rgba(227,24,55,.32);color:#ffbbbb;}

/* Sidebar nav */
.sb-nav{flex:1;padding:8px 0 24px;overflow-y:auto;}
.sb-nav::-webkit-scrollbar{display:none;}
.sb-section-label{
  font-size:9.5px;font-weight:800;color:rgba(255,255,255,.25);
  letter-spacing:1.4px;text-transform:uppercase;
  padding:16px 16px 5px;
}
.sb-item{
  display:flex;align-items:center;gap:10px;width:100%;
  padding:10px 16px;font-size:13.5px;font-weight:700;
  color:rgba(255,255,255,.6);background:none;border:none;
  cursor:pointer;text-align:left;font-family:var(--font-sans);
  border-right:3px solid transparent;
  transition:all var(--t-fast);position:relative;
}
.sb-item:hover{
  background:rgba(255,255,255,.05);
  color:rgba(255,255,255,.9);
}
.sb-item.active{
  background:rgba(227,24,55,.14);
  color:#fff;border-right-color:var(--red);
}
.sb-item-ico{
  width:30px;height:30px;border-radius:var(--r-sm);
  background:rgba(255,255,255,.06);
  display:flex;align-items:center;justify-content:center;
  font-size:15px;flex-shrink:0;
  transition:background var(--t-fast);
}
.sb-item.active .sb-item-ico{background:rgba(227,24,55,.22);}
.sb-item:hover .sb-item-ico{background:rgba(255,255,255,.1);}

/* Sidebar overlay (mobile) */
.sb-overlay{
  display:none;position:fixed;inset:0;z-index:199;
  background:rgba(0,0,0,.5);backdrop-filter:blur(2px);
}
.sb-overlay.open{display:block;}

/* Main panel */
.main{
  flex:1;margin-left:252px;
  display:flex;flex-direction:column;min-height:100vh;
  max-width:calc(100vw - 252px);
  overflow-x:hidden;
}
@media(max-width:960px){
  .main{max-width:100vw;}
}
@media(max-width:960px){
  .sidebar{transform:translateX(-100%);}
  .sidebar.open{transform:translateX(0);}
  .main{margin-left:0;}
}

/* Topbar */
.topbar{
  position:sticky;top:0;z-index:100;
  background:#fff;
  border-bottom:3px solid var(--red);
  height:58px;display:flex;align-items:center;
  padding:0 24px;gap:16px;flex-shrink:0;
  box-shadow:0 2px 10px rgba(0,0,0,.06);
}
[data-theme=dark] .topbar{background:var(--bg-2);}
.topbar-left{display:flex;align-items:center;gap:14px;}
.mob-toggle{
  display:none;background:none;border:none;
  font-size:22px;color:var(--navy);cursor:pointer;padding:4px;
}
@media(max-width:960px){.mob-toggle{display:block;}}
.topbar-date{font-size:13.5px;color:var(--text-2);font-weight:600;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:180px;}
.topbar-right{display:flex;align-items:center;gap:8px;margin-left:auto;}
.tb-bal-pill{
  background:var(--navy);color:#fff;
  padding:6px 12px;border-radius:var(--r-full);
  font-size:13px;font-weight:800;cursor:pointer;
  font-family:var(--font-serif);
  transition:background var(--t-fast);
  max-width:140px;white-space:nowrap;
  overflow:hidden;text-overflow:ellipsis;
  flex-shrink:1;
}
.tb-bal-pill:hover{background:var(--navy-2);}
.tb-btn{
  width:36px;height:36px;border-radius:var(--r-md);
  background:none;border:1px solid var(--border);
  color:var(--text-2);display:flex;align-items:center;justify-content:center;
  cursor:pointer;font-size:17px;transition:all var(--t-fast);
}
.tb-btn:hover{background:var(--surface);color:var(--navy);border-color:var(--navy);}
.tb-darkmode-btn{background:var(--navy-l);border-color:rgba(1,33,105,.2);color:var(--navy);}
.tb-darkmode-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy);}
[data-theme=dark] .tb-darkmode-btn{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.2);color:#fff;}
[data-theme=dark] .tb-darkmode-btn:hover{background:rgba(255,255,255,.2);}
.notif-wrap{position:relative;}
.notif-dot{
  position:absolute;top:5px;right:5px;
  width:8px;height:8px;border-radius:50%;
  background:var(--red);border:2px solid #fff;
}
.notif-panel{
  position:absolute;top:calc(100% + 10px);right:0;
  width:340px;background:var(--bg-2);border-radius:var(--r-xl);
  box-shadow:var(--sh-xl);border:1px solid var(--border);
  display:none;z-index:300;overflow:hidden;
}
.notif-panel.open{display:block;}
.notif-panel-head{
  background:var(--navy);padding:14px 18px;
  display:flex;align-items:center;justify-content:space-between;
}
.notif-panel-head h4{font-size:14px;font-weight:700;color:#fff;}
.notif-panel-head a{font-size:12px;color:rgba(255,255,255,.55);cursor:pointer;}
.notif-panel-head a:hover{color:#fff;}
.notif-panel-list{max-height:320px;overflow-y:auto;}
.notif-item{
  padding:13px 18px;border-bottom:1px solid var(--border-2);
  cursor:pointer;transition:background var(--t-fast);
}
.notif-item:hover{background:var(--surface);}
.notif-item.unread{background:var(--red-ll);}
.notif-item-title{font-size:13px;font-weight:700;color:var(--text);}
.notif-item-msg{font-size:12px;color:var(--text-2);margin-top:2px;}
.notif-item-time{font-size:11px;color:var(--text-3);margin-top:3px;}

/* Content area */
.content{
  flex:1;padding:24px;
  display:none;
  animation:contentIn .22s ease both;
}
.content.active{display:block;}
@keyframes contentIn{from{opacity:0;transform:translateY(8px);}to{opacity:1;transform:translateY(0);}}

/* Page header */
.page-hd{margin-bottom:22px;}
.page-title{font-family:var(--font-serif);font-size:22px;font-weight:700;color:var(--navy);margin-bottom:3px;}
[data-theme=dark] .page-title{color:#fff;}
.page-sub{font-size:14px;color:var(--text-2);}

/* Balance hero */
.bal-hero{
  background:linear-gradient(135deg,var(--navy) 0%,#0A2D7A 50%,#1a3a9f 100%);
  border-radius:var(--r-xl);padding:26px;margin-bottom:20px;
  color:#fff;position:relative;overflow:hidden;
  border:1px solid rgba(255,255,255,.04);
  box-shadow:var(--sh-navy);
}
.bal-hero::before{
  content:'';position:absolute;top:-50px;right:-50px;
  width:220px;height:220px;border-radius:50%;
  background:rgba(227,24,55,.14);
}
.bal-hero::after{
  content:'';position:absolute;bottom:-70px;right:80px;
  width:160px;height:160px;border-radius:50%;
  background:rgba(255,255,255,.03);
}
.bal-hero-top{
  display:flex;align-items:flex-start;justify-content:space-between;
  margin-bottom:18px;position:relative;z-index:1;
}
.bal-greet{font-size:13px;opacity:.6;font-weight:600;}
.bal-name{font-family:var(--font-serif);font-size:22px;font-weight:700;color:#fff;margin-top:3px;}
.bal-clock-wrap{text-align:right;}
.bal-clock{font-family:'Courier New',monospace;font-size:21px;font-weight:700;color:#fff;letter-spacing:1px;}
.bal-date{font-size:11px;opacity:.5;margin-top:2px;}
.bal-label{font-size:10.5px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;opacity:.5;position:relative;z-index:1;}
.bal-amount-row{display:flex;align-items:center;gap:12px;margin:6px 0 22px;position:relative;z-index:1;}
.bal-amount{font-family:var(--font-serif);font-size:clamp(30px,5vw,46px);font-weight:900;color:#fff;letter-spacing:-1.5px;line-height:1;}
.bal-eye{
  width:34px;height:34px;border-radius:50%;
  background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.18);
  display:flex;align-items:center;justify-content:center;
  cursor:pointer;color:#fff;flex-shrink:0;
  transition:background var(--t-fast);font-size:16px;
}
.bal-eye:hover{background:rgba(255,255,255,.2);}
.bal-acct{
  background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);
  border-radius:var(--r-lg);padding:14px 18px;
  display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:14px;position:relative;z-index:1;
}
.bal-acct-left{display:flex;align-items:center;gap:12px;}
.bal-acct-ico{
  width:38px;height:38px;border-radius:var(--r-sm);
  background:var(--red);display:flex;align-items:center;
  justify-content:center;font-size:18px;flex-shrink:0;
}
.bal-acct-lbl{font-size:9.5px;font-weight:800;opacity:.5;letter-spacing:.8px;text-transform:uppercase;}
.bal-acct-num{font-family:monospace;font-size:15px;font-weight:700;color:#fff;margin-top:2px;}
.bal-active{
  display:inline-flex;align-items:center;gap:4px;margin-top:4px;
  background:rgba(30,126,52,.22);border:1px solid rgba(30,126,52,.32);
  color:#4ade80;font-size:10px;font-weight:700;padding:2px 8px;border-radius:var(--r-full);
}
.bal-btns{display:flex;gap:8px;flex-wrap:wrap;}
.bal-btn{
  padding:9px 18px;border-radius:var(--r-sm);font-size:13px;font-weight:700;
  cursor:pointer;border:none;font-family:var(--font-sans);
  transition:all var(--t-fast);
}
.bal-btn-white{background:#fff;color:var(--navy);}
.bal-btn-white:hover{background:#eee;}
.bal-btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1px solid rgba(255,255,255,.18);}
.bal-btn-ghost:hover{background:rgba(255,255,255,.2);}
.bal-btn-red{background:var(--red);color:#fff;}
.bal-btn-red:hover{background:var(--red-d);}

/* Stat grid */
.dash-stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:20px;}
@media(max-width:700px){.dash-stat-grid{grid-template-columns:1fr 1fr;}}
.dash-stat{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:16px;
  display:flex;align-items:center;gap:12px;
  box-shadow:var(--sh-xs);transition:box-shadow var(--t-fast);
}
.dash-stat:hover{box-shadow:var(--sh-md);}
.dash-stat-ico{
  width:42px;height:42px;border-radius:var(--r-md);
  display:flex;align-items:center;justify-content:center;
  font-size:19px;flex-shrink:0;
}
.dash-stat-lbl{font-size:11px;color:var(--text-3);font-weight:700;text-transform:uppercase;letter-spacing:.4px;}
.dash-stat-val{font-family:var(--font-serif);font-size:19px;font-weight:700;color:var(--text);margin-top:2px;}
.dash-stat-chg{font-size:12px;color:var(--text-3);margin-top:1px;}
.dash-stat-chg.up{color:var(--green);}
.dash-stat-chg.dn{color:var(--red);}

/* Two col */
.dash-two{display:grid;grid-template-columns:1.5fr 1fr;gap:16px;}
@media(max-width:960px){.dash-two{grid-template-columns:1fr;}}

/* Dash card */
.dash-card{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:20px;
  box-shadow:var(--sh-xs);
}
.dash-card-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;}
.dash-card-head h3{font-size:14.5px;font-weight:700;color:var(--text);}

/* Transaction list */
.tx-list{display:flex;flex-direction:column;gap:0;}
.tx-item{
  display:flex;align-items:center;gap:12px;
  padding:12px 0;border-bottom:1px solid var(--border-2);
  transition:background var(--t-fast);
}
.tx-item:last-child{border-bottom:none;}
.tx-ico{
  width:36px;height:36px;border-radius:var(--r-md);
  display:flex;align-items:center;justify-content:center;
  font-size:16px;flex-shrink:0;
}
.tx-info{flex:1;min-width:0;}
.tx-desc{font-size:13.5px;font-weight:700;color:var(--text);white-space:normal;word-break:break-word;line-height:1.4;}
.tx-meta{font-size:11.5px;color:var(--text-3);margin-top:1px;}
.tx-right{text-align:right;flex-shrink:0;}
.tx-amt{font-family:var(--font-serif);font-size:14.5px;font-weight:700;}
.tx-amt.cr{color:var(--green);}
.tx-amt.db{color:var(--red);}
.tx-status{font-size:10.5px;margin-top:2px;}
.tx-status.done{color:var(--green);}
.tx-status.pend{color:var(--amber);}
.tx-status.fail{color:var(--red);}

/* Action tiles */
.action-wrap{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:20px;
  box-shadow:var(--sh-xs);
  overflow:hidden;
}
.action-wrap h3{font-size:14.5px;font-weight:700;color:var(--text);margin-bottom:4px;}
.action-wrap p{font-size:12px;color:var(--text-3);margin-bottom:16px;}
.action-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px;
  width:100%;
}
@media(min-width:700px){
  .action-grid{
    grid-template-columns:repeat(4,1fr);
  }
}
.action-tile{
  display:flex;flex-direction:column;align-items:center;gap:6px;
  padding:14px 8px;border-radius:var(--r-md);cursor:pointer;
  border:1px solid transparent;transition:all var(--t-fast);
}
.action-tile:hover{transform:translateY(-2px);box-shadow:var(--sh-md);}
.at-ico{font-size:22px;}
.at-lbl{font-size:11px;font-weight:700;color:var(--text);text-align:center;}
.at-red{background:var(--red-l);border-color:rgba(227,24,55,.15);}
.at-red:hover{background:rgba(227,24,55,.12);}
.at-navy{background:var(--navy-l);border-color:rgba(1,33,105,.12);}
.at-navy:hover{background:rgba(1,33,105,.1);}
.at-green{background:var(--green-l);border-color:rgba(30,126,52,.15);}
.at-green:hover{background:rgba(30,126,52,.1);}
.at-gray{background:var(--surface);border-color:var(--border);}
.at-gray:hover{background:var(--border-2);}

/* Help banner */
.help-banner{
  background:var(--navy);border-radius:var(--r-lg);
  padding:16px 20px;display:flex;align-items:center;gap:14px;
  margin-top:16px;
}
.help-banner-ico{font-size:26px;flex-shrink:0;}
.help-banner-text h4{font-size:13.5px;font-weight:700;color:#fff;margin-bottom:2px;}
.help-banner-text p{font-size:12px;color:rgba(255,255,255,.5);}
.help-banner-btn{
  margin-left:auto;padding:9px 18px;background:var(--red);
  color:#fff;border:none;border-radius:var(--r-sm);
  font-size:13px;font-weight:700;cursor:pointer;flex-shrink:0;
  font-family:var(--font-sans);transition:background var(--t-fast);
}
.help-banner-btn:hover{background:var(--red-d);}

/* Spending chart */
.spend-list{display:flex;flex-direction:column;gap:10px;}
.spend-item{display:flex;align-items:center;gap:10px;}
.spend-lbl{font-size:12.5px;color:var(--text-2);width:100px;flex-shrink:0;}
.spend-bar-wrap{flex:1;height:7px;background:var(--border-2);border-radius:var(--r-full);overflow:hidden;}
.spend-bar{height:100%;border-radius:var(--r-full);background:var(--red);transition:width .7s var(--ease);}
.spend-val{font-size:12.5px;font-weight:700;color:var(--text);width:56px;text-align:right;flex-shrink:0;}

/* Transfer page */
.transfer-wrap{display:grid;grid-template-columns:1fr 400px;gap:20px;align-items:start;}
@media(max-width:960px){.transfer-wrap{grid-template-columns:1fr;}}
.bank-picker{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-xs);
}
.bank-picker-head{
  background:var(--navy);padding:14px 18px;
  display:flex;align-items:center;justify-content:space-between;
}
.bank-picker-head h4{font-size:14px;font-weight:700;color:#fff;}
.bank-search{padding:10px;border-bottom:1px solid var(--border);}
.bank-search input{width:100%;padding:9px 12px 9px 34px;border:1px solid var(--border);border-radius:var(--r-md);font-size:13.5px;background:var(--surface);}
.bank-search-wrap{position:relative;}
.bank-search-ico{position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--text-3);font-size:15px;}
.bank-region-tabs{display:flex;gap:0;padding:8px 10px;border-bottom:1px solid var(--border);overflow-x:auto;scrollbar-width:none;}
.bank-region-tabs::-webkit-scrollbar{display:none;}
.bank-region-tab{
  padding:5px 12px;border-radius:var(--r-full);font-size:12px;font-weight:700;
  color:var(--text-2);cursor:pointer;white-space:nowrap;border:none;background:none;
  transition:all var(--t-fast);font-family:var(--font-sans);
}
.bank-region-tab.active,.bank-region-tab:hover{background:var(--red);color:#fff;}
.bank-list{max-height:360px;overflow-y:auto;padding:8px;}
.bank-row{
  display:flex;align-items:center;gap:10px;
  padding:9px 10px;border-radius:var(--r-md);cursor:pointer;
  transition:all var(--t-fast);
}
.bank-row:hover{background:var(--red-l);}
.bank-row.sel{background:var(--red-l);border:1px solid rgba(227,24,55,.2);}
.bank-row-info{flex:1;}
.bank-row-name{font-size:13.5px;font-weight:700;color:var(--text);}
.bank-row-country{font-size:11px;color:var(--text-3);}
.bank-select-btn{font-size:12px;font-weight:700;color:var(--red);cursor:pointer;background:none;border:none;font-family:var(--font-sans);}
.bank-select-btn:hover{text-decoration:underline;}
.bank-preview{
  background:var(--navy-l);border:1px solid rgba(1,33,105,.15);
  border-radius:var(--r-md);padding:12px 16px;
  display:none;margin-bottom:14px;
}

/* Receipt modal */
#receipt-modal{
  position:fixed;inset:0;z-index:2000;
  background:rgba(0,0,0,.65);backdrop-filter:blur(4px);
  display:flex;align-items:flex-end;justify-content:center;
  padding:0;opacity:0;pointer-events:none;
  transition:opacity var(--t-base);
}
@media(min-width:520px){
  #receipt-modal{align-items:center;padding:16px;}
}
#receipt-modal.open{opacity:1;pointer-events:all;}
.receipt-box{
  background:var(--bg-2);
  border-radius:20px 20px 0 0;
  width:100%;max-width:100%;max-height:92vh;
  overflow:hidden;display:flex;flex-direction:column;
  padding:20px 20px 0;box-shadow:var(--sh-2xl);border:1px solid var(--border);
  border-bottom:none;
  transform:translateY(100%);
  transition:transform .35s var(--ease);
}
@media(min-width:520px){
  .receipt-box{
    border-radius:var(--r-xl);max-width:460px;max-height:92vh;
    border-bottom:1px solid var(--border);
    padding:24px;transform:scale(.95) translateY(12px);
  }
}
#receipt-modal.open .receipt-box{transform:translateY(0);}
@media(min-width:520px){
  #receipt-modal.open .receipt-box{transform:scale(1) translateY(0);}
}
.receipt-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px;flex-shrink:0;}
.receipt-head h4{font-size:16px;font-weight:700;color:var(--navy);}
[data-theme=dark] .receipt-head h4{color:#fff;}
.receipt-row{
  display:flex;align-items:flex-start;justify-content:space-between;
  padding:9px 0;border-bottom:1px solid var(--border-2);
}
.receipt-row:last-child{border-bottom:none;}
.receipt-lbl{font-size:12.5px;color:var(--text-2);font-weight:600;flex-shrink:0;margin-right:10px;}
.receipt-val{font-size:13px;font-weight:700;color:var(--text);text-align:right;max-width:62%;word-break:break-all;}
.tx-clickable:hover{background:var(--surface-2);border-radius:10px;}
.tx-clickable:active{opacity:.8;}

/* Virtual card */
.v-card{
  background:linear-gradient(135deg,var(--navy),#1a3a8f);
  border-radius:18px;padding:26px;color:#fff;
  max-width:340px;position:relative;overflow:hidden;
  box-shadow:var(--sh-lg),0 0 0 1px rgba(255,255,255,.07);
}
.v-card::before{content:'';position:absolute;top:-30px;right:-30px;width:150px;height:150px;border-radius:50%;background:rgba(227,24,55,.18);}
.vc-chip{width:40px;height:30px;border-radius:5px;background:linear-gradient(135deg,#f0c040,#c89000);margin-bottom:20px;position:relative;z-index:1;}
.vc-num{font-family:monospace;font-size:16px;font-weight:700;letter-spacing:3px;margin-bottom:20px;opacity:.9;position:relative;z-index:1;}
.vc-row{display:flex;justify-content:space-between;align-items:flex-end;position:relative;z-index:1;}
.vc-lbl{font-size:9px;opacity:.5;text-transform:uppercase;letter-spacing:1px;}
.vc-val{font-size:13px;font-weight:700;margin-top:3px;}
.vc-brand{position:absolute;bottom:22px;right:22px;font-family:var(--font-serif);font-size:12px;font-weight:700;color:rgba(255,255,255,.3);z-index:2;}

/* Goal card */
.goal-card{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);padding:18px;margin-bottom:12px;
}
.goal-head{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:12px;}
.goal-ico{width:38px;height:38px;border-radius:var(--r-md);background:var(--red-l);display:flex;align-items:center;justify-content:center;font-size:18px;}
.goal-name{font-size:14.5px;font-weight:700;color:var(--text);margin-bottom:2px;}
.goal-target{font-size:12px;color:var(--text-3);}
.goal-bar-wrap{height:7px;background:var(--border-2);border-radius:var(--r-full);overflow:hidden;margin-bottom:8px;}
.goal-bar{height:100%;background:var(--red);border-radius:var(--r-full);transition:width .7s var(--ease);}
.goal-foot{display:flex;justify-content:space-between;font-size:12px;color:var(--text-3);}
.goal-foot strong{color:var(--text);font-weight:700;}

/* Support chat */
.chat-fab{
  position:fixed;bottom:28px;right:28px;z-index:800;
  width:54px;height:54px;border-radius:50%;
  background:var(--red);color:#fff;border:none;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;cursor:pointer;
  box-shadow:0 4px 20px rgba(227,24,55,.45);
  transition:all var(--t-fast);
}
.chat-fab:hover{background:var(--red-d);transform:scale(1.08);}
.chat-fab.has-message::after{
  content:'';position:absolute;top:8px;right:8px;
  width:10px;height:10px;border-radius:50%;
  background:#fff;border:2px solid var(--red);
  animation:chatPulse 1.5s ease infinite;
}
@keyframes chatPulse{0%,100%{transform:scale(1);}50%{transform:scale(1.3);}}

.chat-panel{
  position:fixed;bottom:94px;right:28px;z-index:800;
  width:340px;max-height:500px;
  background:var(--bg-2);border-radius:var(--r-xl);
  box-shadow:var(--sh-xl);border:1px solid var(--border);
  display:flex;flex-direction:column;overflow:hidden;
  transform:scale(.9) translateY(24px);opacity:0;pointer-events:none;
  transition:all var(--t-base) var(--ease);
}
.chat-panel.open{transform:scale(1) translateY(0);opacity:1;pointer-events:all;}
.chat-hd{
  background:var(--navy);padding:14px 18px;
  display:flex;align-items:center;gap:10px;flex-shrink:0;
}
.chat-hd-ico{width:34px;height:34px;border-radius:50%;background:var(--red);display:flex;align-items:center;justify-content:center;font-size:15px;flex-shrink:0;}
.chat-hd-name{font-size:13.5px;font-weight:700;color:#fff;}
.chat-hd-status{font-size:11px;color:rgba(255,255,255,.5);}
.chat-hd-close{margin-left:auto;background:none;border:none;color:rgba(255,255,255,.5);font-size:19px;cursor:pointer;}
.chat-hd-close:hover{color:#fff;}
.chat-msgs{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:10px;}
.chat-bubble{max-width:82%;padding:9px 13px;border-radius:12px;font-size:13.5px;line-height:1.5;}
.chat-bubble.user{background:var(--red);color:#fff;align-self:flex-end;border-radius:12px 12px 3px 12px;}
.chat-bubble.agent{background:var(--surface);color:var(--text);align-self:flex-start;border:1px solid var(--border);border-radius:12px 12px 12px 3px;}
.chat-ft{padding:10px;border-top:1px solid var(--border);display:flex;gap:8px;flex-shrink:0;}
.chat-inp{flex:1;padding:9px 14px;border:1.5px solid var(--border);border-radius:var(--r-full);font-size:13.5px;background:var(--surface-2);color:var(--text);transition:border-color var(--t-fast);}
.chat-inp:focus{border-color:var(--navy);}
.chat-send{width:36px;height:36px;border-radius:50%;background:var(--red);color:#fff;border:none;display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:15px;flex-shrink:0;}
.chat-send:hover{background:var(--red-d);}

/* Profile */
.profile-hero{
  background:linear-gradient(135deg,var(--navy),#1a3a8f);
  border-radius:var(--r-xl);padding:28px;
  display:flex;align-items:center;gap:20px;
  margin-bottom:22px;color:#fff;
}
.profile-avatar{
  width:76px;height:76px;border-radius:50%;
  background:var(--red);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-serif);font-size:30px;font-weight:700;
  border:3px solid rgba(255,255,255,.2);overflow:hidden;flex-shrink:0;
}
.profile-avatar img{width:100%;height:100%;object-fit:cover;}
.profile-name{font-family:var(--font-serif);font-size:22px;font-weight:700;margin-bottom:3px;}
.profile-email{font-size:13px;opacity:.6;}

/* Settings */
.settings-group{
  background:var(--bg-2);border:1px solid var(--border);
  border-radius:var(--r-lg);overflow:hidden;margin-bottom:16px;
}
.settings-group-hd{
  background:var(--navy);padding:13px 18px;
  font-size:13px;font-weight:700;color:#fff;display:flex;align-items:center;gap:8px;
}
.settings-row{
  display:flex;align-items:center;justify-content:space-between;
  padding:14px 18px;border-bottom:1px solid var(--border-2);cursor:pointer;
  transition:background var(--t-fast);
}
.settings-row:last-child{border-bottom:none;}
.settings-row:hover{background:var(--surface);}
.settings-row-left{display:flex;align-items:center;gap:12px;}
.settings-ico{width:36px;height:36px;border-radius:var(--r-md);background:var(--red-l);display:flex;align-items:center;justify-content:center;font-size:16px;}
.settings-label{font-size:14px;font-weight:700;color:var(--text);}
.settings-sub{font-size:12px;color:var(--text-3);margin-top:1px;}
.settings-arrow{color:var(--text-3);font-size:16px;}

/* Loan */
.loan-hero{
  background:linear-gradient(135deg,var(--navy),#1a3a8f);
  border-radius:var(--r-xl);padding:24px;color:#fff;margin-bottom:22px;
}
.loan-amount{font-family:var(--font-serif);font-size:36px;font-weight:900;color:#fff;margin-bottom:4px;}

/* Currency converter */
.conv-card{background:var(--bg-2);border:1px solid var(--border);border-radius:var(--r-lg);padding:26px;max-width:540px;}
.conv-row{display:grid;grid-template-columns:1fr auto 1fr;gap:12px;align-items:end;margin-bottom:14px;}
.conv-swap{width:40px;height:40px;border-radius:50%;background:var(--red-l);border:2px solid rgba(227,24,55,.15);display:flex;align-items:center;justify-content:center;cursor:pointer;font-size:18px;align-self:flex-end;margin-bottom:2px;transition:all var(--t-fast);}
.conv-swap:hover{background:var(--red);color:#fff;}
.conv-rate{background:var(--surface);border-radius:var(--r-md);padding:12px;font-size:13px;color:var(--text-2);text-align:center;margin-top:8px;}

/* Wire transfer */
.wire-info{
  background:var(--navy-l);border:1px solid rgba(1,33,105,.15);
  border-radius:var(--r-md);padding:14px 16px;
  font-size:13px;color:var(--navy);margin-bottom:16px;
  display:flex;align-items:flex-start;gap:10px;
}
[data-theme=dark] .wire-info{background:rgba(1,33,105,.15);color:rgba(255,255,255,.7);}

/* Check deposit */
.check-drop{
  border:2px dashed var(--border);border-radius:var(--r-lg);
  padding:32px;text-align:center;cursor:pointer;
  transition:all var(--t-fast);background:var(--surface);
}
.check-drop:hover,.check-drop.over{border-color:var(--red);background:var(--red-ll);}
.check-drop-ico{font-size:36px;margin-bottom:10px;}
.check-drop-title{font-size:14px;font-weight:700;color:var(--text);margin-bottom:4px;}
.check-drop-sub{font-size:12.5px;color:var(--text-3);}

/* Referral */
.referral-hero{background:linear-gradient(135deg,var(--navy),#1a3a8f);border-radius:var(--r-xl);padding:30px;color:#fff;text-align:center;margin-bottom:22px;}
.referral-code{background:rgba(255,255,255,.1);border:2px dashed rgba(255,255,255,.25);border-radius:var(--r-lg);padding:16px;font-family:monospace;font-size:24px;font-weight:700;letter-spacing:3px;color:#fff;margin:18px 0;cursor:pointer;transition:background var(--t-fast);}
.referral-code:hover{background:rgba(255,255,255,.18);}

/* Bills */
.biller-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:22px;}
@media(max-width:600px){.biller-grid{grid-template-columns:repeat(2,1fr);}}
.biller{background:var(--bg-2);border:1px solid var(--border);border-radius:var(--r-lg);padding:18px;text-align:center;cursor:pointer;transition:all var(--t-fast);}
.biller:hover{border-color:var(--red);box-shadow:var(--sh-md);}
.biller-ico{font-size:30px;margin-bottom:8px;}
.biller-name{font-size:12px;font-weight:700;color:var(--text);}

/* Scheduled */
.sched-item{background:var(--bg-2);border:1px solid var(--border);border-radius:var(--r-lg);padding:16px;margin-bottom:10px;display:flex;align-items:center;gap:14px;}
.sched-ico{width:42px;height:42px;border-radius:var(--r-md);background:var(--red-l);display:flex;align-items:center;justify-content:center;font-size:19px;flex-shrink:0;}
.sched-info{flex:1;}
.sched-name{font-size:14px;font-weight:700;color:var(--text);}
.sched-next{font-size:12px;color:var(--text-3);}
.sched-amt{font-family:var(--font-serif);font-size:17px;font-weight:700;color:var(--red);}

/* IRS/Tax */
.irs-alert{background:linear-gradient(135deg,var(--red),var(--red-d));border-radius:var(--r-lg);padding:20px;color:#fff;display:flex;gap:14px;margin-bottom:20px;}

/* ══════════════════════════════════════════════════════════════
   ANIMATIONS
══════════════════════════════════════════════════════════════ */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px);}to{opacity:1;transform:translateY(0);}}
@keyframes fadeIn{from{opacity:0;}to{opacity:1;}}
@keyframes slideIn{from{opacity:0;transform:translateX(-20px);}to{opacity:1;transform:translateX(0);}}
@keyframes scaleIn{from{opacity:0;transform:scale(.92);}to{opacity:1;transform:scale(1);}}
@keyframes pulse{0%,100%{opacity:1;}50%{opacity:.5;}}
.anim-fade-up{animation:fadeUp .6s var(--ease) both;}
.anim-fade{animation:fadeIn .4s ease both;}
.anim-delay-1{animation-delay:.1s;}
.anim-delay-2{animation-delay:.2s;}
.anim-delay-3{animation-delay:.3s;}
.anim-delay-4{animation-delay:.4s;}
.anim-delay-5{animation-delay:.5s;}

/* Scroll animations */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s var(--ease);}
.reveal.visible{opacity:1;transform:translateY(0);}
.reveal-left{opacity:0;transform:translateX(-24px);transition:opacity .6s ease,transform .6s var(--ease);}
.reveal-left.visible{opacity:1;transform:translateX(0);}
.reveal-right{opacity:0;transform:translateX(24px);transition:opacity .6s ease,transform .6s var(--ease);}
.reveal-right.visible{opacity:1;transform:translateX(0);}
.reveal-scale{opacity:0;transform:scale(.94);transition:opacity .6s ease,transform .6s var(--ease);}
.reveal-scale.visible{opacity:1;transform:scale(1);}

/* ══════════════════════════════════════════════════════════════
   MOBILE / RESPONSIVE
══════════════════════════════════════════════════════════════ */
@supports(padding:env(safe-area-inset-bottom)){
  .sidebar{padding-bottom:calc(16px + env(safe-area-inset-bottom));}
  .chat-fab{bottom:calc(28px + env(safe-area-inset-bottom));}
  .chat-panel{bottom:calc(94px + env(safe-area-inset-bottom));}
}

@media(max-width:768px){
  input,select,textarea{font-size:16px !important;}
  .lp-hamburger{display:flex;}
  .lp-nav-links,.lp-nav-signin{display:none;}
  .lp-hero{padding:90px 20px 0;}
  .lp-hero-inner{grid-template-columns:1fr;gap:40px;padding-bottom:40px;}
  .lp-hero-right{display:none;}
  .section{padding:56px 20px;}
  .stats-strip{padding:40px 20px;}
  .stats-strip-inner{gap:24px;}
  .stat-num{font-size:32px;}
  .topbar{padding:0 16px;}
  .content{padding:16px;}
  .bal-hero{padding:20px;}
  .bal-amount{font-size:32px;}
  .dash-stat-grid{grid-template-columns:1fr 1fr;}
  .modal-box{margin:8px;width:calc(100vw - 16px) !important;max-height:92vh;padding:20px;}
  .receipt-box{max-height:94vh;}
  .chat-panel{width:calc(100vw - 32px);right:16px;}
  .transfer-wrap{grid-template-columns:1fr;}
  .action-grid{grid-template-columns:repeat(2,1fr);}
  .biller-grid{grid-template-columns:repeat(2,1fr);}
  .acc-grid{grid-template-columns:1fr;}
  .feat-grid{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr 1fr;}
  .lp-footer-grid{grid-template-columns:1fr 1fr;}
  .lp-nav{padding:0 20px;}
}

@media(max-width:480px){
  .dash-stat-grid{grid-template-columns:1fr;}
  .bal-btns{gap:6px;}
  .bal-btn{padding:8px 12px;font-size:12px;}
  .page-title{font-size:18px;}
  .lp-footer-grid{grid-template-columns:1fr;}
  .dash-two{grid-template-columns:1fr;}
  .steps{grid-template-columns:1fr;}
  .calc-wrap{grid-template-columns:1fr;}
}

/* ══════════════════════════════════════════════════════════
   MOBILE OVERFLOW FIXES — prevents horizontal scroll
══════════════════════════════════════════════════════════ */
html, body {
  overflow-x: hidden !important;
  max-width: 100vw;
}
.app-wrap {
  max-width: 100vw;
  overflow-x: hidden;
}

/* Landing page sections - prevent overflow */
.lp-hero-inner,
.trust-bar-inner,
.stats-strip-inner,
.section,
.feat-grid,
.acc-grid,
.steps,
.calc-wrap,
.faq-list,
.cta-strip-inner,
.lp-footer-grid {
  max-width: 100%;
  box-sizing: border-box;
}

/* Testimonials - force single column on mobile */
@media (max-width: 640px) {
  [style*="grid-template-columns:repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }
  .feat-grid {
    grid-template-columns: 1fr !important;
  }
  .acc-grid {
    grid-template-columns: 1fr !important;
  }
  .steps {
    grid-template-columns: 1fr !important;
  }
  .steps::before {
    display: none !important;
  }
  .lp-footer-grid {
    grid-template-columns: 1fr 1fr !important;
  }
  .lp-hero {
    padding: 90px 16px 40px !important;
  }
  .lp-hero-right {
    display: none !important;
  }
  .lp-hero h1 {
    font-size: 28px !important;
  }
  .lp-hero-sub {
    font-size: 15px !important;
  }
  .stats-strip {
    padding: 32px 16px !important;
  }
  .stats-strip-inner {
    grid-template-columns: 1fr 1fr !important;
    gap: 20px !important;
  }
  .stat-num {
    font-size: 28px !important;
  }
  .section {
    padding: 48px 16px !important;
  }
  .trust-bar {
    padding: 12px 16px !important;
  }
  .trust-bar-inner {
    gap: 16px !important;
  }
  .calc-wrap {
    grid-template-columns: 1fr !important;
  }
  .faq-grid {
    grid-template-columns: 1fr !important;
  }
  .lp-hero-btns {
    flex-direction: column !important;
  }
  .lp-hero-btns .btn {
    width: 100% !important;
  }
  .cta-btns {
    flex-direction: column !important;
    align-items: stretch !important;
  }
  .cta-btns .btn {
    width: 100% !important;
  }
}

@media (max-width: 480px) {
  .lp-footer-grid {
    grid-template-columns: 1fr !important;
  }
  .lp-footer-bottom {
    flex-direction: column !important;
    text-align: center !important;
  }
  .acc-card {
    border-radius: 10px !important;
  }
}

/* Auth modal - full screen on mobile */
@media (max-width: 480px) {
  #auth-overlay {
    padding: 0 !important;
    align-items: flex-end !important;
  }
  .auth-box {
    border-radius: 16px 16px 0 0 !important;
    max-height: 92vh !important;
    overflow-y: auto !important;
  }
}

/* Dashboard mobile fixes */
@media (max-width: 480px) {
  .dash-stat-grid {
    grid-template-columns: 1fr !important;
  }
  .bal-btns {
    flex-wrap: wrap !important;
  }
  .bal-btn {
    font-size: 12px !important;
    padding: 7px 10px !important;
  }
  .action-grid {
    grid-template-columns: repeat(2,1fr) !important;
    gap: 8px !important;
    width: 100% !important;
    min-width: 0 !important;
  }
  .action-tile {
    padding: 10px 6px !important;
    gap: 4px !important;
    min-width: 0 !important;
    width: 100% !important;
  }
  .at-ico { font-size: 16px !important; }
  .at-lbl { font-size: 10px !important; }
  .action-wrap {
    padding: 14px !important;
    overflow: hidden !important;
  }
  .content {
    padding: 12px !important;
  }
  .tx-amt { font-size: 13px !important; }
  .tx-desc { font-size: 12.5px !important; }
  /* Topbar mobile */
  .topbar-date { font-size: 11px !important; max-width: 130px !important; }
  .tb-bal-pill { font-size: 11px !important; padding: 5px 10px !important; max-width: 110px !important; }
  .tb-btn { width: 30px !important; height: 30px !important; font-size: 14px !important; }
}

/* Hide dark mode toggle on very small screens to save topbar space */
@media (max-width: 400px) {
  .tb-darkmode-btn { display: none !important; }
}