/* ============================================================
   Banking Portal – Professional Online Banking Theme
   ============================================================ */

/* ---------- variables ---------- */
:root {
    --primary: #1a237e;
    --primary-dark: #0d1642;
    --primary-light: #1a237e12;
    --accent: #c5a028;
    --accent-light: #c5a02820;
    --success: #2e7d32;
    --success-light: #2e7d3215;
    --warning: #f59e0b;
    --error: #c62828;
    --error-light: #c6282815;
    --info: #1565c0;
    --info-light: #1565c015;
    --white: #ffffff;
    --light-gray: #f5f5f5;
    --border-gray: #e0e0e0;
    --text-primary: #1a1a2e;
    --text-secondary: #546e7a;
    --text-muted: #90a4ae;
    --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --shadow-sm: 0 1px 2px rgba(0,0,0,.05);
    --shadow-md: 0 4px 12px rgba(0,0,0,.08);
    --shadow-lg: 0 8px 24px rgba(0,0,0,.12);
    --shadow-xl: 0 16px 48px rgba(0,0,0,.16);
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 14px;
    --radius-xl: 20px;
}

/* ---------- reset & base ---------- */
[x-cloak] { display: none !important; }
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
    font-family: var(--font-primary);
    color: var(--text-primary);
    background: var(--light-gray);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}
a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; height: auto; }

/* ---------- preloader ---------- */
.preloader {
    position: fixed; inset: 0; z-index: 9999;
    background: linear-gradient(135deg, var(--primary-dark), var(--primary));
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    transition: opacity .5s, visibility .5s;
}
.preloader.fade-out { opacity: 0; visibility: hidden; pointer-events: none; }
.preloader-icon {
    width: 80px; height: 80px;
    border: 3px solid rgba(255,255,255,.15);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    position: relative;
    animation: preloaderPulse 2s infinite;
}
.preloader-icon::after {
    content: '';
    position: absolute; inset: -6px;
    border: 2px solid transparent;
    border-top-color: var(--accent);
    border-radius: 50%;
    animation: preloaderSpin 1.2s linear infinite;
}
.preloader-icon i { font-size: 2rem; color: var(--accent); }
.preloader-text { color: rgba(255,255,255,.8); font-size: .85rem; margin-top: 1.25rem; letter-spacing: 1px; }
.preloader-bar { width: 180px; height: 3px; background: rgba(255,255,255,.15); border-radius: 3px; margin-top: .75rem; overflow: hidden; }
.preloader-bar-fill { height: 100%; background: var(--accent); border-radius: 3px; animation: preloaderFill 1.8s ease-in-out forwards; }
@keyframes preloaderPulse { 0%,100% { transform: scale(1); } 50% { transform: scale(1.05); } }
@keyframes preloaderSpin { to { transform: rotate(360deg); } }
@keyframes preloaderFill { 0% { width: 0; } 100% { width: 100%; } }

/* ---------- official banner ---------- */
.official-banner {
    background: var(--primary-dark);
    color: rgba(255,255,255,.9);
    font-size: .75rem;
    padding: .5rem 1rem;
    display: flex; align-items: center; justify-content: center; gap: .5rem;
}
.official-banner i { color: var(--accent); }

/* ---------- header ---------- */
.bank-header {
    background: var(--white);
    border-bottom: 1px solid var(--border-gray);
    padding: 1rem 2rem;
    display: flex; align-items: center; justify-content: space-between;
    box-shadow: var(--shadow-sm);
    position: sticky; top: 0; z-index: 100;
}
.bank-header-brand {
    display: flex; align-items: center; gap: .75rem;
}
.bank-header-logo {
    width: 44px; height: 44px; border-radius: var(--radius-sm);
    object-fit: contain;
}
.bank-header-logo-placeholder {
    width: 44px; height: 44px; border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--primary), var(--accent));
    display: flex; align-items: center; justify-content: center;
    color: var(--white); font-size: 1.2rem;
}
.bank-header-name {
    font-size: 1.15rem; font-weight: 700; color: var(--primary);
}
.bank-header-tagline {
    font-size: .7rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px;
}
.bank-nav { display: flex; align-items: center; gap: .25rem; }
.bank-nav a, .bank-nav button {
    padding: .5rem 1rem; border-radius: var(--radius-sm);
    font-size: .85rem; font-weight: 500; color: var(--text-secondary);
    transition: all .2s; border: none; background: none; cursor: pointer;
    font-family: var(--font-primary);
}
.bank-nav a:hover, .bank-nav button:hover {
    background: var(--primary-light); color: var(--primary); text-decoration: none;
}
.bank-nav a.active { background: var(--primary); color: var(--white); }
.bank-nav-mobile { display: none; background: none; border: none; font-size: 1.25rem; color: var(--primary); cursor: pointer; }

/* ---------- trust strip ---------- */
.trust-strip {
    background: linear-gradient(90deg, var(--primary-light), var(--accent-light));
    padding: .6rem 1rem;
    display: flex; align-items: center; justify-content: center; gap: 2rem;
    flex-wrap: wrap;
    border-bottom: 1px solid var(--border-gray);
}
.trust-badge {
    display: flex; align-items: center; gap: .4rem;
    font-size: .75rem; color: var(--text-secondary); font-weight: 500;
}
.trust-badge i { color: var(--success); font-size: .8rem; }

/* ---------- main content ---------- */
.bank-main {
    max-width: 1100px;
    margin: 0 auto;
    padding: 2rem 1.5rem;
}

/* ---------- login page ---------- */
.login-wrapper {
    min-height: 80vh;
    display: flex; align-items: center; justify-content: center;
    padding: 2rem 1rem;
}
.bank-login-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    width: 100%; max-width: 440px;
    overflow: hidden;
}
.login-card-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 2rem;
    text-align: center; color: var(--white);
}
.login-card-header h2 { font-size: 1.25rem; font-weight: 700; margin-top: .75rem; }
.login-card-header p { font-size: .8rem; opacity: .8; margin-top: .25rem; }
.login-card-body { padding: 2rem; }
.login-card-body .form-group { margin-bottom: 1.25rem; }
.login-card-body label {
    display: block; font-size: .8rem; font-weight: 600; color: var(--text-secondary);
    margin-bottom: .4rem;
}
.login-card-body input {
    width: 100%; padding: .75rem 1rem; border: 1.5px solid var(--border-gray);
    border-radius: var(--radius-sm); font-size: .95rem; font-family: var(--font-primary);
    transition: border-color .2s;
}
.login-card-body input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-light); }
.login-error {
    background: var(--error-light); color: var(--error); padding: .75rem 1rem;
    border-radius: var(--radius-sm); font-size: .85rem; margin-bottom: 1rem;
    border-left: 3px solid var(--error);
}
.btn-bank-primary {
    width: 100%; padding: .85rem; border: none; border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: var(--white); font-size: .95rem; font-weight: 600; cursor: pointer;
    transition: transform .15s, box-shadow .15s;
    font-family: var(--font-primary);
    display: flex; align-items: center; justify-content: center; gap: .4rem;
}
.btn-bank-primary:hover { transform: translateY(-1px); box-shadow: var(--shadow-md); }

/* ---------- balance hero ---------- */
.balance-card {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: var(--radius-lg);
    padding: 2rem 2.5rem;
    color: var(--white);
    box-shadow: var(--shadow-lg);
    position: relative;
    overflow: hidden;
}
.balance-card::before {
    content: ''; position: absolute; top: -40%; right: -10%;
    width: 300px; height: 300px; border-radius: 50%;
    background: rgba(255,255,255,.04);
}
.balance-card::after {
    content: ''; position: absolute; bottom: -30%; left: -5%;
    width: 200px; height: 200px; border-radius: 50%;
    background: rgba(255,255,255,.03);
}
.balance-label { font-size: .8rem; opacity: .7; text-transform: uppercase; letter-spacing: 1px; }
.balance-amount {
    font-size: 2.75rem; font-weight: 800; margin: .5rem 0;
    letter-spacing: -1px; position: relative; z-index: 1;
}
.balance-meta { display: flex; gap: 2rem; font-size: .8rem; opacity: .7; position: relative; z-index: 1; }
.balance-account-type {
    display: inline-block; padding: .25rem .75rem; border-radius: var(--radius-xl);
    background: var(--accent); color: var(--primary-dark); font-size: .7rem;
    font-weight: 700; text-transform: uppercase; letter-spacing: .5px;
}

/* ---------- quick actions ---------- */
.quick-actions {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 1rem; margin-top: 1.5rem;
}
.quick-action-btn {
    display: flex; flex-direction: column; align-items: center; gap: .5rem;
    padding: 1.25rem 1rem;
    background: var(--white); border: 1px solid var(--border-gray);
    border-radius: var(--radius-md); cursor: pointer;
    transition: all .2s; text-decoration: none; color: var(--text-primary);
    font-family: var(--font-primary);
}
.quick-action-btn:hover {
    border-color: var(--primary); box-shadow: var(--shadow-md);
    transform: translateY(-2px); text-decoration: none; color: var(--primary);
}
.quick-action-btn i {
    font-size: 1.5rem; color: var(--primary);
    width: 48px; height: 48px; border-radius: 50%;
    background: var(--primary-light);
    display: flex; align-items: center; justify-content: center;
}
.quick-action-btn span { font-size: .8rem; font-weight: 600; }

/* ---------- section cards ---------- */
.bank-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    overflow: hidden;
    margin-top: 1.5rem;
}
.bank-card-header {
    padding: 1rem 1.5rem;
    display: flex; align-items: center; justify-content: space-between;
    border-bottom: 1px solid var(--border-gray);
}
.bank-card-header h3 {
    font-size: 1rem; font-weight: 700; color: var(--text-primary);
    display: flex; align-items: center; gap: .5rem;
}
.bank-card-header h3 i { color: var(--primary); font-size: .9rem; }
.bank-card-body { padding: 1.5rem; }

/* ---------- transaction list ---------- */
.transaction-list { list-style: none; }
.transaction-row {
    display: flex; align-items: center; justify-content: space-between;
    padding: .85rem 0;
    border-bottom: 1px solid var(--border-gray);
}
.transaction-row:last-child { border-bottom: none; }
.txn-left { display: flex; align-items: center; gap: .75rem; }
.txn-icon {
    width: 40px; height: 40px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
}
.txn-icon.credit { background: var(--success-light); color: var(--success); }
.txn-icon.debit { background: var(--error-light); color: var(--error); }
.txn-icon.transfer { background: var(--info-light); color: var(--info); }
.txn-desc { font-size: .85rem; font-weight: 500; color: var(--text-primary); }
.txn-date { font-size: .7rem; color: var(--text-muted); }
.txn-right { text-align: right; }
.txn-amount { font-size: .95rem; font-weight: 700; }
.txn-amount.credit { color: var(--success); }
.txn-amount.debit, .txn-amount.transfer { color: var(--error); }
.txn-ref { font-size: .65rem; color: var(--text-muted); }
.txn-status-badge {
    display: inline-block; padding: .15rem .5rem; border-radius: var(--radius-xl);
    font-size: .65rem; font-weight: 600; text-transform: uppercase;
}
.txn-status-badge.completed { background: var(--success-light); color: var(--success); }
.txn-status-badge.pending { background: var(--accent-light); color: var(--warning); }
.txn-empty { text-align: center; padding: 2rem; color: var(--text-muted); font-size: .9rem; }

/* ---------- transfer form ---------- */
.transfer-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    max-width: 600px;
    margin: 0 auto;
    overflow: hidden;
}
.transfer-card-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 1.5rem 2rem; color: var(--white);
}
.transfer-card-header h2 { font-size: 1.15rem; font-weight: 700; }
.transfer-card-header .available-balance { font-size: .85rem; opacity: .8; margin-top: .25rem; }
.transfer-card-body { padding: 2rem; }
.transfer-card-body .form-group { margin-bottom: 1.25rem; }
.transfer-card-body label {
    display: block; font-size: .8rem; font-weight: 600; color: var(--text-secondary);
    margin-bottom: .4rem;
}
.transfer-card-body input,
.transfer-card-body textarea {
    width: 100%; padding: .7rem 1rem; border: 1.5px solid var(--border-gray);
    border-radius: var(--radius-sm); font-size: .9rem; font-family: var(--font-primary);
    transition: border-color .2s;
}
.transfer-card-body input:focus,
.transfer-card-body textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-light); }
.transfer-card-body textarea { resize: vertical; min-height: 80px; }
.transfer-amount-input {
    font-size: 1.5rem !important; font-weight: 700 !important; text-align: center;
}
.transfer-summary {
    background: var(--light-gray); border-radius: var(--radius-md);
    padding: 1.25rem; margin: 1.5rem 0;
}
.transfer-summary-row {
    display: flex; justify-content: space-between; padding: .4rem 0;
    font-size: .85rem; color: var(--text-secondary);
}
.transfer-summary-row.total {
    border-top: 2px solid var(--border-gray); margin-top: .5rem; padding-top: .75rem;
    font-weight: 700; color: var(--text-primary); font-size: 1rem;
}

/* ---------- profile card ---------- */
.profile-hero {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 2.5rem 2rem; text-align: center; color: var(--white);
    position: relative;
}
.profile-avatar {
    width: 100px; height: 100px; border-radius: 50%;
    border: 4px solid var(--accent);
    object-fit: cover; margin: 0 auto;
    box-shadow: var(--shadow-lg);
}
.profile-avatar-placeholder {
    width: 100px; height: 100px; border-radius: 50%;
    border: 4px solid var(--accent);
    background: rgba(255,255,255,.15); margin: 0 auto;
    display: flex; align-items: center; justify-content: center;
    font-size: 2.5rem; color: var(--white);
}
.profile-name { font-size: 1.35rem; font-weight: 700; margin-top: 1rem; }
.profile-account-badge {
    display: inline-block; margin-top: .5rem;
    padding: .25rem 1rem; border-radius: var(--radius-xl);
    background: var(--accent); color: var(--primary-dark);
    font-size: .7rem; font-weight: 700; text-transform: uppercase;
}

.profile-section {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    margin-top: 1.5rem; overflow: hidden;
}
.profile-section-header {
    padding: 1rem 1.5rem;
    background: var(--light-gray);
    border-bottom: 1px solid var(--border-gray);
    font-weight: 700; font-size: .9rem; color: var(--text-primary);
    display: flex; align-items: center; gap: .5rem;
}
.profile-section-header i { color: var(--primary); }
.profile-detail-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 0;
}
.profile-detail {
    padding: 1rem 1.5rem;
    border-bottom: 1px solid var(--border-gray);
}
.profile-detail:nth-child(odd) { border-right: 1px solid var(--border-gray); }
.profile-detail-label { font-size: .7rem; text-transform: uppercase; color: var(--text-muted); letter-spacing: .5px; font-weight: 600; }
.profile-detail-value { font-size: .9rem; font-weight: 600; color: var(--text-primary); margin-top: .15rem; }
.profile-detail-value.masked { font-family: 'Courier New', monospace; letter-spacing: 2px; }

.detail-toggle-btn {
    background: none; border: none; color: var(--primary); font-size: .75rem;
    cursor: pointer; font-weight: 600; margin-left: .5rem;
}

/* ---------- receipt ---------- */
.receipt-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    max-width: 550px;
    margin: 2rem auto;
    overflow: hidden;
}
.receipt-header {
    background: linear-gradient(135deg, var(--success), #1b5e20);
    padding: 2rem; text-align: center; color: var(--white);
}
.receipt-header .success-icon {
    width: 64px; height: 64px; border-radius: 50%;
    background: rgba(255,255,255,.2); margin: 0 auto;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.75rem;
}
.receipt-header h2 { font-size: 1.15rem; font-weight: 700; margin-top: .75rem; }
.receipt-header .receipt-ref { font-size: .8rem; opacity: .8; margin-top: .25rem; }
.receipt-body { padding: 1.5rem 2rem; }
.receipt-row {
    display: flex; justify-content: space-between;
    padding: .65rem 0;
    border-bottom: 1px solid var(--border-gray);
    font-size: .85rem;
}
.receipt-row:last-child { border-bottom: none; }
.receipt-row-label { color: var(--text-secondary); }
.receipt-row-value { font-weight: 600; color: var(--text-primary); text-align: right; }
.receipt-amount-row {
    background: var(--light-gray); border-radius: var(--radius-md);
    padding: 1rem 1.5rem; margin: 1rem 0;
    text-align: center;
}
.receipt-amount-row .amount { font-size: 1.75rem; font-weight: 800; color: var(--primary); }
.receipt-amount-row .label { font-size: .75rem; color: var(--text-muted); text-transform: uppercase; }
.receipt-stamp {
    text-align: center; padding: 1rem 0;
    color: var(--success); font-weight: 800; font-size: 1.1rem;
    letter-spacing: 3px; text-transform: uppercase;
    border: 2px solid var(--success); border-radius: var(--radius-md);
    margin: 1rem 0; opacity: .6;
    transform: rotate(-3deg);
}
.receipt-actions {
    display: flex; gap: .75rem; padding: 1rem 2rem 1.5rem;
    justify-content: center;
}
.btn-receipt-action {
    padding: .6rem 1.25rem; border-radius: var(--radius-sm);
    font-size: .8rem; font-weight: 600; cursor: pointer;
    border: 1.5px solid var(--border-gray); background: var(--white);
    color: var(--text-primary); transition: all .2s;
    font-family: var(--font-primary); text-decoration: none;
    display: inline-flex; align-items: center; gap: .4rem;
}
.btn-receipt-action:hover { border-color: var(--primary); color: var(--primary); text-decoration: none; }
.btn-receipt-action.primary {
    background: var(--primary); color: var(--white); border-color: var(--primary);
}
.btn-receipt-action.primary:hover { background: var(--primary-dark); }

/* ---------- bank details card ---------- */
.bank-details-grid {
    display: grid; grid-template-columns: 1fr;
    gap: .75rem; padding: .5rem 0;
}
.bank-detail-item {
    display: flex; align-items: center; justify-content: space-between;
    padding: .75rem 1rem;
    background: var(--light-gray); border-radius: var(--radius-sm);
}
.bank-detail-label { font-size: .75rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .5px; font-weight: 600; }
.bank-detail-value {
    font-size: .9rem; font-weight: 600; color: var(--text-primary);
    font-family: 'Courier New', monospace; letter-spacing: 1.5px;
}
.copy-btn {
    background: none; border: none; color: var(--primary); cursor: pointer;
    font-size: .75rem; font-weight: 600; padding: .2rem .5rem;
    border-radius: var(--radius-sm); transition: background .2s;
}
.copy-btn:hover { background: var(--primary-light); }

/* ---------- footer ---------- */
.bank-footer {
    background: var(--primary-dark);
    color: rgba(255,255,255,.7);
    padding: 2rem;
    margin-top: 3rem;
    text-align: center;
}
.bank-footer-brand {
    font-size: 1.1rem; font-weight: 700; color: var(--white); margin-bottom: .5rem;
}
.bank-footer-info { font-size: .75rem; line-height: 1.8; }
.bank-footer-info a { color: var(--accent); }
.bank-footer-disclaimer {
    font-size: .65rem; color: rgba(255,255,255,.4);
    margin-top: 1rem; max-width: 600px; margin-left: auto; margin-right: auto;
    border-top: 1px solid rgba(255,255,255,.1); padding-top: 1rem;
}

/* ---------- homepage hero ---------- */
.hp-hero {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    overflow: hidden;
    background: var(--primary-dark);
}
.hp-hero-bg {
    position: absolute; inset: 0;
    background-size: cover;
    background-position: center;
    filter: brightness(.45);
    z-index: 0;
}
.hp-hero-inner {
    position: relative; z-index: 2;
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 3rem 2rem;
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 3rem;
    align-items: center;
}
.hp-hero-text { color: var(--white); }
.hp-hero-text h1 {
    font-size: 2.75rem;
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 1rem;
}
.hp-hero-text h1 span { color: var(--accent); }
.hp-hero-text p {
    font-size: 1.1rem;
    opacity: .85;
    max-width: 480px;
    line-height: 1.7;
    margin-bottom: 1.5rem;
}
.hp-hero-badges {
    display: flex; gap: 1.5rem; flex-wrap: wrap;
}
.hp-hero-badge {
    display: flex; align-items: center; gap: .4rem;
    font-size: .8rem; color: rgba(255,255,255,.8); font-weight: 500;
}
.hp-hero-badge i { color: var(--accent); }

/* homepage login card (in hero) */
.hp-login-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}
.hp-login-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 1.5rem 2rem; text-align: center; color: var(--white);
}
.hp-login-header h2 { font-size: 1.1rem; font-weight: 700; margin-top: .5rem; }
.hp-login-header p { font-size: .75rem; opacity: .7; margin-top: .25rem; }
.hp-login-body { padding: 1.75rem 2rem 2rem; }
.hp-login-body .form-group { margin-bottom: 1.15rem; }
.hp-login-body label {
    display: block; font-size: .78rem; font-weight: 600; color: var(--text-secondary);
    margin-bottom: .35rem;
}
.hp-login-body label i { margin-right: .3rem; color: var(--primary); }
.hp-login-body input {
    width: 100%; padding: .7rem 1rem; border: 1.5px solid var(--border-gray);
    border-radius: var(--radius-sm); font-size: .9rem; font-family: var(--font-primary);
    transition: border-color .2s, box-shadow .2s;
}
.hp-login-body input:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-light); }
.hp-login-footer {
    display: flex; align-items: center; justify-content: space-between;
    font-size: .75rem; color: var(--text-muted); padding: 0 2rem 1.25rem;
}
.hp-login-footer i { color: var(--success); margin-right: .25rem; }

/* ---------- homepage nav bar ---------- */
.hp-nav {
    background: var(--white);
    border-bottom: 1px solid var(--border-gray);
    padding: .85rem 2rem;
    display: flex; align-items: center; justify-content: space-between;
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    box-shadow: var(--shadow-sm);
}
.hp-nav-spacer { height: 62px; }
.hp-nav-brand { display: flex; align-items: center; gap: .7rem; }
.hp-nav-brand img { height: 40px; border-radius: var(--radius-sm); object-fit: contain; }
.hp-nav-brand-icon {
    width: 40px; height: 40px; border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--primary), var(--accent));
    display: flex; align-items: center; justify-content: center;
    color: var(--white); font-size: 1.1rem;
}
.hp-nav-name { font-size: 1.15rem; font-weight: 700; color: var(--primary); }
.hp-nav-links { display: flex; align-items: center; gap: .2rem; }
.hp-nav-links a {
    padding: .5rem 1rem; border-radius: var(--radius-sm);
    font-size: .82rem; font-weight: 500; color: var(--text-secondary);
    transition: all .2s;
}
.hp-nav-links a:hover { background: var(--primary-light); color: var(--primary); text-decoration: none; }
.hp-nav-mobile { display: none; background: none; border: none; font-size: 1.25rem; color: var(--primary); cursor: pointer; }

/* ---------- homepage sections ---------- */
.hp-section {
    max-width: 1200px; margin: 0 auto;
    padding: 4rem 2rem;
}
.hp-section-header {
    text-align: center; margin-bottom: 3rem;
}
.hp-section-header .overline {
    font-size: .75rem; font-weight: 700; text-transform: uppercase;
    letter-spacing: 2px; color: var(--accent); margin-bottom: .5rem;
}
.hp-section-header h2 {
    font-size: 2rem; font-weight: 800; color: var(--text-primary); margin-bottom: .5rem;
}
.hp-section-header p {
    font-size: 1rem; color: var(--text-secondary); max-width: 560px; margin: 0 auto;
}

/* services grid */
.hp-services-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem;
}
.hp-service-card {
    background: var(--white); border-radius: var(--radius-lg);
    overflow: hidden; box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    transition: transform .25s, box-shadow .25s;
}
.hp-service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.hp-service-img {
    height: 170px; background-size: cover; background-position: center;
    position: relative;
}
.hp-service-img::after {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(to top, rgba(0,0,0,.35), transparent);
}
.hp-service-body { padding: 1.25rem; }
.hp-service-body h3 { font-size: 1rem; font-weight: 700; color: var(--text-primary); margin-bottom: .35rem; }
.hp-service-body p { font-size: .8rem; color: var(--text-secondary); line-height: 1.5; }
.hp-service-icon {
    width: 44px; height: 44px; border-radius: 50%;
    background: var(--primary); color: var(--white);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem; margin-bottom: .75rem;
    box-shadow: var(--shadow-md);
    position: relative; z-index: 1; margin-top: -22px;
    margin-left: 1.25rem;
}

/* features split section */
.hp-features-split {
    display: grid; grid-template-columns: 1fr 1fr; gap: 3rem;
    align-items: center;
    padding: 4rem 2rem;
    max-width: 1200px; margin: 0 auto;
    background: var(--white);
}
.hp-features-img {
    border-radius: var(--radius-lg); overflow: hidden;
    box-shadow: var(--shadow-lg); height: 400px;
    background-size: cover; background-position: center;
}
.hp-features-content h2 {
    font-size: 1.75rem; font-weight: 800; color: var(--text-primary); margin-bottom: 1rem;
}
.hp-features-content p { color: var(--text-secondary); line-height: 1.7; margin-bottom: 1.5rem; }
.hp-feature-list { list-style: none; }
.hp-feature-list li {
    display: flex; align-items: flex-start; gap: .75rem;
    padding: .6rem 0; font-size: .9rem; color: var(--text-primary);
}
.hp-feature-list li i {
    color: var(--accent); font-size: 1rem; margin-top: .15rem; flex-shrink: 0;
}

/* stats counter */
.hp-stats {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 3.5rem 2rem;
}
.hp-stats-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem;
    text-align: center; color: var(--white);
}
.hp-stat-number {
    font-size: 2.5rem; font-weight: 800; color: var(--accent);
}
.hp-stat-label { font-size: .85rem; opacity: .8; margin-top: .25rem; }

/* testimonials */
.hp-testimonials-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
}
.hp-testimonial {
    background: var(--white); border-radius: var(--radius-lg);
    padding: 1.75rem; box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    position: relative;
}
.hp-testimonial::before {
    content: '\201C'; position: absolute; top: .5rem; left: 1.25rem;
    font-size: 3rem; color: var(--accent); opacity: .3; font-family: Georgia, serif;
    line-height: 1;
}
.hp-testimonial p {
    font-size: .88rem; color: var(--text-secondary); line-height: 1.65;
    margin-bottom: 1rem; padding-top: .5rem;
}
.hp-testimonial-author {
    display: flex; align-items: center; gap: .6rem;
}
.hp-testimonial-avatar {
    width: 40px; height: 40px; border-radius: 50%;
    object-fit: cover; border: 2px solid var(--accent);
}
.hp-testimonial-name { font-size: .82rem; font-weight: 700; color: var(--text-primary); }
.hp-testimonial-role { font-size: .7rem; color: var(--text-muted); }

/* CTA section */
.hp-cta {
    background: var(--light-gray);
    padding: 4rem 2rem;
}
.hp-cta-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr; gap: 3rem;
    align-items: center;
}
.hp-cta-content h2 { font-size: 1.75rem; font-weight: 800; color: var(--text-primary); margin-bottom: .75rem; }
.hp-cta-content p { color: var(--text-secondary); line-height: 1.7; margin-bottom: 1.5rem; }
.hp-cta-buttons { display: flex; gap: 1rem; flex-wrap: wrap; }
.hp-cta-btn {
    padding: .8rem 1.75rem; border-radius: var(--radius-sm);
    font-size: .9rem; font-weight: 600; cursor: pointer;
    text-decoration: none; display: inline-flex; align-items: center; gap: .5rem;
    transition: all .2s; border: 2px solid transparent;
    font-family: var(--font-primary);
}
.hp-cta-btn.primary { background: var(--primary); color: var(--white); border-color: var(--primary); }
.hp-cta-btn.primary:hover { background: var(--primary-dark); text-decoration: none; }
.hp-cta-btn.outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.hp-cta-btn.outline:hover { background: var(--primary); color: var(--white); text-decoration: none; }
.hp-cta-img {
    border-radius: var(--radius-lg);
    overflow: hidden; box-shadow: var(--shadow-lg);
    height: 350px; background-size: cover; background-position: center;
}

/* homepage multi-column footer */
.hp-footer {
    background: var(--primary-dark); color: rgba(255,255,255,.7); padding: 3rem 2rem 1.5rem;
}
.hp-footer-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem;
}
.hp-footer-brand h3 { color: var(--white); font-size: 1.15rem; margin-bottom: .5rem; }
.hp-footer-brand p { font-size: .8rem; line-height: 1.7; max-width: 300px; }
.hp-footer-col h4 {
    color: var(--accent); font-size: .8rem; text-transform: uppercase;
    letter-spacing: 1px; margin-bottom: .75rem;
}
.hp-footer-col ul { list-style: none; }
.hp-footer-col ul li { margin-bottom: .4rem; }
.hp-footer-col ul li a {
    color: rgba(255,255,255,.6); font-size: .8rem; transition: color .2s;
}
.hp-footer-col ul li a:hover { color: var(--white); text-decoration: none; }
.hp-footer-bottom {
    max-width: 1200px; margin: 2rem auto 0;
    padding-top: 1.25rem;
    border-top: 1px solid rgba(255,255,255,.1);
    display: flex; align-items: center; justify-content: space-between;
    flex-wrap: wrap; gap: 1rem;
    font-size: .7rem; color: rgba(255,255,255,.4);
}
.hp-footer-social { display: flex; gap: .75rem; }
.hp-footer-social a {
    width: 32px; height: 32px; border-radius: 50%;
    background: rgba(255,255,255,.08);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,.5); font-size: .8rem; transition: all .2s;
}
.hp-footer-social a:hover { background: var(--accent); color: var(--primary-dark); text-decoration: none; }

/* ---------- promo banner ---------- */
.hp-promo {
    background: linear-gradient(90deg, var(--accent), #d4af37);
    padding: .7rem 1.5rem;
    text-align: center;
    font-size: .82rem; font-weight: 600; color: var(--primary-dark);
    display: flex; align-items: center; justify-content: center; gap: .75rem;
}
.hp-promo i { font-size: .9rem; }
.hp-promo a {
    color: var(--primary-dark); font-weight: 700; text-decoration: underline;
}

/* ---------- how it works ---------- */
.hp-steps-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem;
    position: relative;
}
.hp-steps-grid::before {
    content: '';
    position: absolute; top: 48px; left: 16.5%; right: 16.5%; height: 2px;
    background: linear-gradient(90deg, var(--accent), var(--primary), var(--accent));
    z-index: 0;
}
.hp-step {
    text-align: center; position: relative; z-index: 1;
}
.hp-step-number {
    width: 56px; height: 56px; border-radius: 50%; margin: 0 auto 1rem;
    background: var(--white); border: 3px solid var(--accent);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem; font-weight: 800; color: var(--primary);
    box-shadow: var(--shadow-md);
}
.hp-step-icon {
    width: 64px; height: 64px; border-radius: 50%; margin: 0 auto .75rem;
    background: var(--primary-light);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem; color: var(--primary);
}
.hp-step h3 { font-size: 1rem; font-weight: 700; color: var(--text-primary); margin-bottom: .35rem; }
.hp-step p { font-size: .82rem; color: var(--text-secondary); line-height: 1.55; max-width: 260px; margin: 0 auto; }

/* ---------- rates table ---------- */
.hp-rates-bg {
    background: linear-gradient(180deg, var(--light-gray) 0%, var(--white) 100%);
    padding: 4rem 2rem;
}
.hp-rates-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
    max-width: 1200px; margin: 0 auto;
}
.hp-rate-card {
    background: var(--white); border-radius: var(--radius-lg);
    border: 1px solid var(--border-gray);
    overflow: hidden; text-align: center;
    transition: transform .25s, box-shadow .25s;
}
.hp-rate-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.hp-rate-card.featured {
    border-color: var(--accent);
    box-shadow: 0 0 0 2px var(--accent), var(--shadow-md);
}
.hp-rate-card.featured .hp-rate-header { background: linear-gradient(135deg, var(--primary), var(--primary-dark)); color: var(--white); }
.hp-rate-badge {
    display: inline-block; background: var(--accent); color: var(--primary-dark);
    font-size: .65rem; font-weight: 700; text-transform: uppercase;
    padding: .2rem .75rem; border-radius: var(--radius-xl);
    letter-spacing: .5px; margin-bottom: .5rem;
}
.hp-rate-header { padding: 1.5rem 1rem .75rem; }
.hp-rate-header h3 { font-size: 1rem; font-weight: 700; margin-bottom: .25rem; }
.hp-rate-header p { font-size: .75rem; color: var(--text-muted); }
.hp-rate-value {
    padding: 1rem;
    font-size: 2.25rem; font-weight: 800; color: var(--primary);
}
.hp-rate-value sup { font-size: .9rem; }
.hp-rate-value .unit { font-size: .85rem; font-weight: 500; color: var(--text-muted); }
.hp-rate-features {
    padding: .5rem 1.5rem 1.25rem;
    text-align: left;
}
.hp-rate-features li {
    display: flex; align-items: center; gap: .5rem;
    padding: .35rem 0; font-size: .78rem; color: var(--text-secondary);
}
.hp-rate-features li i { color: var(--success); font-size: .7rem; flex-shrink: 0; }
.hp-rate-footer { padding: .75rem 1.5rem 1.5rem; }
.hp-rate-btn {
    display: block; width: 100%; padding: .65rem; border-radius: var(--radius-sm);
    font-size: .82rem; font-weight: 600; text-align: center;
    border: 1.5px solid var(--primary); color: var(--primary);
    background: transparent; cursor: pointer; transition: all .2s;
    font-family: var(--font-primary); text-decoration: none;
}
.hp-rate-btn:hover { background: var(--primary); color: var(--white); text-decoration: none; }
.hp-rate-card.featured .hp-rate-btn {
    background: var(--accent); color: var(--primary-dark); border-color: var(--accent);
}
.hp-rate-card.featured .hp-rate-btn:hover { background: #b8941f; }

/* ---------- security section ---------- */
.hp-security {
    background: var(--primary-dark); color: var(--white); padding: 4.5rem 2rem;
    position: relative; overflow: hidden;
}
.hp-security::before {
    content: ''; position: absolute; top: -50%; right: -15%;
    width: 500px; height: 500px; border-radius: 50%;
    background: rgba(255,255,255,.02);
}
.hp-security-inner {
    max-width: 1200px; margin: 0 auto; position: relative; z-index: 1;
}
.hp-security-header { text-align: center; margin-bottom: 3rem; }
.hp-security-header .overline { color: var(--accent); }
.hp-security-header h2 { color: var(--white); font-size: 2rem; font-weight: 800; margin-bottom: .5rem; }
.hp-security-header p { color: rgba(255,255,255,.65); max-width: 500px; margin: 0 auto; }
.hp-security-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem;
}
.hp-security-card {
    background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.08);
    border-radius: var(--radius-lg); padding: 1.75rem 1.25rem;
    text-align: center; transition: background .2s, transform .2s;
}
.hp-security-card:hover { background: rgba(255,255,255,.1); transform: translateY(-3px); }
.hp-security-card-icon {
    width: 56px; height: 56px; border-radius: 50%; margin: 0 auto .75rem;
    background: rgba(197,160,40,.15);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem; color: var(--accent);
}
.hp-security-card h4 { font-size: .9rem; font-weight: 700; margin-bottom: .35rem; }
.hp-security-card p { font-size: .78rem; color: rgba(255,255,255,.55); line-height: 1.5; }

/* ---------- mobile app section ---------- */
.hp-app {
    padding: 4.5rem 2rem; background: var(--white);
}
.hp-app-inner {
    max-width: 1200px; margin: 0 auto;
    display: grid; grid-template-columns: 1fr 1fr; gap: 3rem;
    align-items: center;
}
.hp-app-content h2 { font-size: 1.75rem; font-weight: 800; color: var(--text-primary); margin-bottom: .5rem; }
.hp-app-content p { color: var(--text-secondary); line-height: 1.7; margin-bottom: 1.5rem; }
.hp-app-badges { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 1.5rem; }
.hp-app-badge {
    display: inline-flex; align-items: center; gap: .6rem;
    background: #000; color: #fff; padding: .6rem 1.25rem;
    border-radius: var(--radius-sm); font-size: .8rem; font-weight: 600;
    transition: opacity .2s; text-decoration: none;
}
.hp-app-badge:hover { opacity: .85; text-decoration: none; color: #fff; }
.hp-app-badge i { font-size: 1.35rem; }
.hp-app-badge .badge-text { text-align: left; line-height: 1.2; }
.hp-app-badge .badge-text small { font-size: .55rem; font-weight: 400; display: block; opacity: .7; }
.hp-app-features {
    display: grid; grid-template-columns: 1fr 1fr; gap: .75rem;
}
.hp-app-feature {
    display: flex; align-items: center; gap: .5rem;
    font-size: .82rem; color: var(--text-secondary);
}
.hp-app-feature i { color: var(--success); font-size: .75rem; }
.hp-app-img {
    position: relative; text-align: center;
}
.hp-app-img-phone {
    width: 280px; height: 500px;
    background: linear-gradient(145deg, var(--primary), var(--primary-dark));
    border-radius: 36px; margin: 0 auto;
    box-shadow: var(--shadow-xl);
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    color: var(--white); position: relative; overflow: hidden;
    border: 6px solid #222;
}
.hp-app-img-phone::before {
    content: ''; position: absolute; top: 0; left: 50%; transform: translateX(-50%);
    width: 120px; height: 28px; background: #222; border-radius: 0 0 16px 16px;
}
.hp-app-img-phone .phone-screen {
    width: calc(100% - 16px); height: calc(100% - 16px);
    border-radius: 30px; overflow: hidden;
    background-size: cover; background-position: center top;
}

/* ---------- faq accordion ---------- */
.hp-faq {
    padding: 4rem 2rem; background: var(--light-gray);
}
.hp-faq-inner {
    max-width: 800px; margin: 0 auto;
}
.hp-faq-item {
    background: var(--white); border-radius: var(--radius-md);
    border: 1px solid var(--border-gray);
    margin-bottom: .75rem; overflow: hidden;
    transition: box-shadow .2s;
}
.hp-faq-item:hover { box-shadow: var(--shadow-sm); }
.hp-faq-q {
    width: 100%; padding: 1rem 1.25rem;
    display: flex; align-items: center; justify-content: space-between;
    background: none; border: none; cursor: pointer;
    font-family: var(--font-primary);
    font-size: .9rem; font-weight: 600; color: var(--text-primary);
    text-align: left;
}
.hp-faq-q i {
    font-size: .75rem; color: var(--primary);
    transition: transform .3s;
}
.hp-faq-q[aria-expanded="true"] i { transform: rotate(180deg); }
.hp-faq-a {
    max-height: 0; overflow: hidden;
    transition: max-height .35s ease, padding .35s ease;
}
.hp-faq-a.open {
    max-height: 300px;
}
.hp-faq-a-inner {
    padding: 0 1.25rem 1rem;
    font-size: .84rem; color: var(--text-secondary); line-height: 1.65;
}

/* ---------- news/insights ---------- */
.hp-news-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
}
.hp-news-card {
    background: var(--white); border-radius: var(--radius-lg);
    overflow: hidden; border: 1px solid var(--border-gray);
    transition: transform .25s, box-shadow .25s;
}
.hp-news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.hp-news-img {
    height: 180px; background-size: cover; background-position: center;
}
.hp-news-body { padding: 1.25rem; }
.hp-news-tag {
    display: inline-block; font-size: .65rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .5px;
    color: var(--primary); background: var(--primary-light);
    padding: .2rem .6rem; border-radius: var(--radius-xl);
    margin-bottom: .5rem;
}
.hp-news-body h3 { font-size: .95rem; font-weight: 700; color: var(--text-primary); margin-bottom: .35rem; line-height: 1.35; }
.hp-news-body p { font-size: .78rem; color: var(--text-secondary); line-height: 1.5; }
.hp-news-meta {
    display: flex; align-items: center; gap: .75rem;
    margin-top: .75rem; font-size: .7rem; color: var(--text-muted);
}

/* ---------- CTA floating cards ---------- */
.hp-cta-visual {
    display: flex; align-items: center; justify-content: center;
    min-height: 350px; position: relative;
}
.hp-cta-cards {
    display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
    width: 100%; max-width: 420px;
}
.hp-cta-card {
    background: var(--white); border-radius: 14px;
    padding: 18px 16px; display: flex; align-items: center; gap: 12px;
    box-shadow: 0 4px 20px rgba(0,0,0,.08);
    transition: transform .3s ease, box-shadow .3s ease;
}
.hp-cta-card:hover { transform: translateY(-4px); box-shadow: 0 8px 30px rgba(0,0,0,.12); }
.hp-cta-card-icon {
    width: 42px; height: 42px; border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem; flex-shrink: 0;
}
.hp-cta-card-title { font-size: .82rem; font-weight: 700; color: var(--text-primary); }
.hp-cta-card-sub { font-size: .7rem; color: var(--text-muted); margin-top: 2px; }

/* floating animation */
.hp-float-1 { animation: hpFloat 4s ease-in-out infinite; }
.hp-float-2 { animation: hpFloat 4s ease-in-out infinite .5s; }
.hp-float-3 { animation: hpFloat 4s ease-in-out infinite 1s; }
.hp-float-4 { animation: hpFloat 4s ease-in-out infinite 1.5s; }
@keyframes hpFloat {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* ---------- homepage scroll animations ---------- */
.hp-reveal {
    opacity: 0; transform: translateY(40px); transition: opacity .7s cubic-bezier(.25,.46,.45,.94), transform .7s cubic-bezier(.25,.46,.45,.94);
}
.hp-reveal.visible { opacity: 1; transform: translateY(0); }

/* staggered reveal delays */
.hp-reveal.delay-1 { transition-delay: .1s; }
.hp-reveal.delay-2 { transition-delay: .2s; }
.hp-reveal.delay-3 { transition-delay: .3s; }
.hp-reveal.delay-4 { transition-delay: .4s; }
.hp-reveal.delay-5 { transition-delay: .5s; }
.hp-reveal.delay-6 { transition-delay: .6s; }

/* slide-in variants */
.hp-reveal.from-left { transform: translateX(-50px) translateY(0); }
.hp-reveal.from-right { transform: translateX(50px) translateY(0); }
.hp-reveal.from-left.visible, .hp-reveal.from-right.visible { transform: translateX(0) translateY(0); }
.hp-reveal.scale-in { transform: scale(.85); }
.hp-reveal.scale-in.visible { transform: scale(1); }

/* ---------- hero text typing cursor ---------- */
.hp-hero-cursor {
    display: inline-block; width: 3px; height: 1.1em; background: var(--accent, #c5a028);
    margin-left: 4px; vertical-align: text-bottom;
    animation: hpBlink .8s step-end infinite;
}
@keyframes hpBlink { 0%, 100% { opacity: 1; } 50% { opacity: 0; } }

/* ---------- shimmer effect for balance/stats ---------- */
.hp-shimmer {
    position: relative; overflow: hidden;
}
.hp-shimmer::after {
    content: ''; position: absolute; top: 0; left: -100%; width: 50%; height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.15), transparent);
    animation: hpShimmer 3s ease-in-out infinite;
}
@keyframes hpShimmer {
    0% { left: -100%; } 50% { left: 150%; } 100% { left: 150%; }
}

/* ---------- pulse for icons/buttons ---------- */
.hp-pulse { animation: hpPulse 2s ease-in-out infinite; }
@keyframes hpPulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.06); }
}

/* ---------- smooth card tilt on hover ---------- */
.hp-service-card { transition: transform .35s ease, box-shadow .35s ease; }
.hp-service-card:hover { transform: translateY(-8px) scale(1.02); box-shadow: 0 16px 40px rgba(0,0,0,.1); }
.hp-news-card { transition: transform .35s ease, box-shadow .35s ease; }
.hp-news-card:hover { transform: translateY(-6px); box-shadow: 0 12px 30px rgba(0,0,0,.1); }
.hp-security-card { transition: transform .35s ease, box-shadow .35s ease; }
.hp-security-card:hover { transform: translateY(-6px); box-shadow: 0 12px 30px rgba(0,0,0,.1); }
.hp-testimonial { transition: transform .35s ease, box-shadow .35s ease; }
.hp-testimonial:hover { transform: translateY(-4px); box-shadow: 0 10px 25px rgba(0,0,0,.1); }

/* ---------- gradient border glow for hero login card ---------- */
.hp-login-card { transition: box-shadow .4s ease; }
.hp-login-card:hover { box-shadow: 0 12px 40px rgba(26,35,126,.15); }

/* ---------- homepage responsive ---------- */
@media (max-width: 1024px) {
    .hp-hero-inner { grid-template-columns: 1fr; text-align: center; }
    .hp-hero-text p { margin-left: auto; margin-right: auto; }
    .hp-hero-badges { justify-content: center; }
    .hp-login-card { max-width: 420px; margin: 0 auto; }
    .hp-services-grid { grid-template-columns: repeat(2, 1fr); }
    .hp-features-split { grid-template-columns: 1fr; }
    .hp-features-img { height: 280px; }
    .hp-stats-inner { grid-template-columns: repeat(2, 1fr); }
    .hp-testimonials-grid { grid-template-columns: 1fr; }
    .hp-cta-inner { grid-template-columns: 1fr; text-align: center; }
    .hp-cta-buttons { justify-content: center; }
    .hp-cta-img { height: 260px; }
    .hp-cta-visual { min-height: auto; }
    .hp-cta-cards { max-width: 360px; margin: 0 auto; }
    .hp-footer-inner { grid-template-columns: 1fr 1fr; }
    .hp-security-grid { grid-template-columns: repeat(2, 1fr); }
    .hp-rates-grid { grid-template-columns: 1fr; max-width: 400px; }
    .hp-app-inner { grid-template-columns: 1fr; text-align: center; }
    .hp-app-badges { justify-content: center; }
    .hp-app-features { justify-items: center; }
    .hp-news-grid { grid-template-columns: 1fr; }
    .hp-steps-grid::before { display: none; }
}
@media (max-width: 640px) {
    .hp-hero { min-height: auto; }
    .hp-hero-text h1 { font-size: 1.75rem; }
    .hp-hero-inner { padding: 2rem 1rem; gap: 2rem; }
    .hp-services-grid { grid-template-columns: 1fr; }
    .hp-stats-inner { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
    .hp-stat-number { font-size: 1.75rem; }
    .hp-nav-links {
        display: none;
        position: absolute; top: 100%; left: 0; right: 0;
        background: var(--white); flex-direction: column;
        padding: .5rem 0; box-shadow: 0 8px 24px rgba(0,0,0,.1);
        border-top: 1px solid var(--border-gray);
        z-index: 999;
    }
    .hp-nav-links.open { display: flex; }
    .hp-nav-links a { padding: .75rem 1.5rem; border-radius: 0; font-size: .85rem; }
    .hp-nav-links a:hover { background: var(--light-gray); }
    .hp-nav { position: relative; }
    .hp-nav-mobile { display: block; }
    .hp-footer-inner { grid-template-columns: 1fr; }
    .hp-footer-bottom { flex-direction: column; text-align: center; }
    .hp-security-grid { grid-template-columns: 1fr; }
    .hp-steps-grid { grid-template-columns: 1fr; gap: 1.5rem; }
    .hp-promo { font-size: .75rem; flex-direction: column; gap: .25rem; }
}

/* ============================================================
   Mobile Banking App Layout
   ============================================================ */

/* app shell */
.app-shell {
    min-height: 100vh;
    background: var(--light-gray);
    padding-bottom: 80px; /* space for bottom nav */
}

/* app top bar */
.app-topbar {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: .85rem 1.25rem;
    display: flex; align-items: center; justify-content: space-between;
    color: var(--white);
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
}
.app-topbar-spacer { height: 54px; }
.app-topbar-brand {
    display: flex; align-items: center; gap: .6rem;
}
.app-topbar-logo {
    width: 32px; height: 32px; border-radius: 8px; object-fit: contain;
}
.app-topbar-logo-icon {
    width: 32px; height: 32px; border-radius: 8px;
    background: rgba(255,255,255,.15);
    display: flex; align-items: center; justify-content: center;
    font-size: .9rem;
}
.app-topbar-name {
    font-size: .95rem; font-weight: 700;
}
.app-topbar-right {
    display: flex; align-items: center; gap: .75rem;
}
.app-topbar-btn {
    background: rgba(255,255,255,.12); border: none; color: var(--white);
    width: 34px; height: 34px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: .85rem; cursor: pointer; transition: background .2s;
}
.app-topbar-btn:hover { background: rgba(255,255,255,.2); }

/* greeting bar */
/* account notice banner */
.app-notice {
    margin: .75rem 1rem 0;
    padding: .65rem .85rem;
    background: #fff3cd;
    border: 1px solid #ffc107;
    border-radius: var(--radius-md);
    color: #664d03;
    font-size: .78rem;
    font-weight: 500;
    line-height: 1.4;
    display: flex;
    align-items: flex-start;
    gap: .5rem;
}
.app-notice i {
    color: #b8860b;
    margin-top: .1rem;
    flex-shrink: 0;
}

.app-greeting {
    padding: 1.25rem 1.25rem .5rem;
}
.app-greeting-hello {
    font-size: .78rem; color: var(--text-muted); font-weight: 500;
}
.app-greeting-name {
    font-size: 1.2rem; font-weight: 800; color: var(--text-primary);
}

/* app content area */
.app-content {
    padding: 0 1rem 1rem;
}

/* app balance card */
.app-balance {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    color: var(--white);
    margin: .75rem 1rem;
    box-shadow: var(--shadow-lg);
    position: relative; overflow: hidden;
}
.app-balance::before {
    content: ''; position: absolute; top: -30%; right: -10%;
    width: 200px; height: 200px; border-radius: 50%;
    background: rgba(255,255,255,.05);
}
.app-balance-label {
    font-size: .7rem; text-transform: uppercase; letter-spacing: 1px;
    opacity: .7;
}
.app-balance-amount {
    font-size: 2.25rem; font-weight: 800; margin: .35rem 0;
    position: relative; z-index: 1;
}
.app-balance-meta {
    display: flex; align-items: center; gap: 1rem;
    font-size: .72rem; opacity: .65;
}
.app-balance-type {
    display: inline-block; padding: .2rem .6rem; border-radius: var(--radius-xl);
    background: var(--accent); color: var(--primary-dark);
    font-size: .62rem; font-weight: 700; text-transform: uppercase;
    margin-top: .5rem;
}

/* app quick actions (circular icons) */
.app-actions {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: .5rem;
    padding: 1rem 1rem .5rem;
}
.app-action {
    display: flex; flex-direction: column; align-items: center; gap: .35rem;
    padding: .75rem .5rem;
    background: none; border: none; cursor: pointer;
    text-decoration: none; color: var(--text-primary);
    font-family: var(--font-primary);
    transition: transform .15s;
}
.app-action:hover { transform: scale(1.05); text-decoration: none; color: var(--text-primary); }
.app-action-icon {
    width: 50px; height: 50px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.15rem;
    box-shadow: var(--shadow-sm);
}
.app-action-icon.blue { background: #e3f2fd; color: #1565c0; }
.app-action-icon.green { background: #e8f5e9; color: #2e7d32; }
.app-action-icon.purple { background: #f3e5f5; color: #7b1fa2; }
.app-action-icon.orange { background: #fff3e0; color: #e65100; }
.app-action span { font-size: .7rem; font-weight: 600; text-align: center; }

/* app section */
.app-section {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin: .75rem 1rem;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    overflow: hidden;
}
.app-section-header {
    padding: .85rem 1rem;
    display: flex; align-items: center; justify-content: space-between;
    border-bottom: 1px solid var(--border-gray);
}
.app-section-header h3 {
    font-size: .85rem; font-weight: 700; color: var(--text-primary);
    display: flex; align-items: center; gap: .4rem;
}
.app-section-header h3 i { color: var(--primary); font-size: .8rem; }
.app-section-header a {
    font-size: .72rem; font-weight: 600; color: var(--primary);
}
.app-section-body { padding: 0; }

/* app transaction row */
.app-txn {
    display: flex; align-items: center; justify-content: space-between;
    padding: .75rem 1rem;
    border-bottom: 1px solid var(--border-gray);
    transition: background .15s;
}
.app-txn:last-child { border-bottom: none; }
.app-txn:active { background: var(--light-gray); }
.app-txn-left { display: flex; align-items: center; gap: .65rem; }
.app-txn-icon {
    width: 38px; height: 38px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: .8rem;
}
.app-txn-icon.credit { background: #e8f5e9; color: #2e7d32; }
.app-txn-icon.debit { background: #ffebee; color: #c62828; }
.app-txn-icon.transfer { background: #e3f2fd; color: #1565c0; }
.app-txn-desc { font-size: .82rem; font-weight: 600; color: var(--text-primary); }
.app-txn-date { font-size: .65rem; color: var(--text-muted); margin-top: .1rem; }
.app-txn-right { text-align: right; }
.app-txn-amount { font-size: .85rem; font-weight: 700; }
.app-txn-amount.credit { color: #2e7d32; }
.app-txn-amount.debit, .app-txn-amount.transfer { color: #c62828; }
.app-txn-ref { font-size: .6rem; color: var(--text-muted); }
.app-txn-status { font-size: .6rem; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--text-muted); }
.app-txn-status.pending { color: #e65100; }
.app-txn-status.failed { color: #c62828; }
.app-txn-status.custom { color: #1565c0; }
.app-txn-empty {
    padding: 2.5rem 1rem; text-align: center;
    color: var(--text-muted); font-size: .85rem;
}
.app-txn-empty i { font-size: 2rem; color: var(--border-gray); display: block; margin-bottom: .5rem; }

/* bottom navigation */
.app-bottom-nav {
    position: fixed; bottom: 0; left: 0; right: 0;
    background: var(--white);
    border-top: 1px solid var(--border-gray);
    display: flex; align-items: stretch; justify-content: space-around;
    padding: .4rem 0 env(safe-area-inset-bottom, .4rem);
    z-index: 200;
    box-shadow: 0 -2px 12px rgba(0,0,0,.06);
}
.app-nav-item {
    flex: 1; display: flex; flex-direction: column; align-items: center;
    gap: .15rem; padding: .5rem .25rem;
    text-decoration: none; color: var(--text-muted);
    font-size: .6rem; font-weight: 600; letter-spacing: .3px;
    transition: color .15s;
    background: none; border: none; cursor: pointer;
    font-family: var(--font-primary);
}
.app-nav-item i { font-size: 1.15rem; transition: transform .15s; }
.app-nav-item:hover { text-decoration: none; color: var(--primary); }
.app-nav-item.active { color: var(--primary); }
.app-nav-item.active i { transform: scale(1.1); }

/* push chat widgets above bottom nav (90px clearance) */
#tawk-bubble-container,
.tawk-min-container,
div[class*="crisp-client"] a[data-chmln],
iframe[title*="chat"],
iframe[title*="Tidio"],
div[id*="livechat"],
div[id*="hubspot-messages"],
div[id*="intercom"],
.fb_dialog {
    bottom: 90px !important;
}

/* app-style transfer card */
.app-transfer {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin: .75rem 1rem;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    overflow: hidden;
}
.app-transfer-header {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 1.25rem; color: var(--white);
}
.app-transfer-header h2 { font-size: 1rem; font-weight: 700; }
.app-transfer-header .sub { font-size: .78rem; opacity: .7; margin-top: .15rem; }
.app-transfer-body { padding: 1.25rem; }
.app-transfer-body .form-group { margin-bottom: 1rem; }
.app-transfer-body label {
    display: block; font-size: .75rem; font-weight: 600; color: var(--text-secondary);
    margin-bottom: .3rem;
}
.app-transfer-body input,
.app-transfer-body textarea {
    width: 100%; padding: .65rem .85rem; border: 1.5px solid var(--border-gray);
    border-radius: var(--radius-sm); font-size: .88rem; font-family: var(--font-primary);
    transition: border-color .2s;
}
.app-transfer-body input:focus,
.app-transfer-body textarea:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px var(--primary-light); }
.app-transfer-body textarea { resize: vertical; min-height: 60px; }

/* app profile */
.app-profile-hero {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 2rem 1.25rem 1.5rem;
    text-align: center; color: var(--white);
}
.app-profile-avatar {
    width: 80px; height: 80px; border-radius: 50%;
    border: 3px solid var(--accent); object-fit: cover;
    margin: 0 auto; box-shadow: var(--shadow-md);
}
.app-profile-avatar-placeholder {
    width: 80px; height: 80px; border-radius: 50%;
    border: 3px solid var(--accent);
    background: rgba(255,255,255,.15); margin: 0 auto;
    display: flex; align-items: center; justify-content: center;
    font-size: 2rem;
}
.app-profile-name { font-size: 1.15rem; font-weight: 700; margin-top: .75rem; }
.app-profile-badge {
    display: inline-block; margin-top: .4rem;
    padding: .2rem .75rem; border-radius: var(--radius-xl);
    background: var(--accent); color: var(--primary-dark);
    font-size: .62rem; font-weight: 700; text-transform: uppercase;
}

/* profile quick summary */
.app-profile-summary {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px;
    padding: .75rem 1rem 0;
}
.app-profile-summary-card {
    background: var(--white); border-radius: 12px;
    padding: 10px; display: flex; align-items: center; gap: 8px;
    box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.app-profile-summary-icon {
    width: 34px; height: 34px; border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: .75rem; flex-shrink: 0;
}
.app-profile-summary-label { font-size: .55rem; color: var(--text-muted); font-weight: 500; }
.app-profile-summary-value { font-size: .72rem; font-weight: 700; color: var(--text-primary); white-space: nowrap; }

/* profile promo slider */
.app-profile-slider {
    margin: .75rem 1rem 0; border-radius: 14px;
    overflow: hidden; position: relative;
    box-shadow: 0 2px 12px rgba(0,0,0,.08);
}
.app-profile-slider-track {
    display: flex; transition: transform .5s cubic-bezier(.4,0,.2,1);
}
.app-profile-slide {
    min-width: 100%; position: relative;
    height: 150px; overflow: hidden;
}
.app-profile-slide img {
    width: 100%; height: 100%;
    object-fit: cover; display: block;
}
.app-profile-slide-overlay {
    position: absolute; bottom: 0; left: 0; right: 0;
    background: linear-gradient(transparent, rgba(0,0,0,.75));
    padding: 30px 16px 14px; color: #fff;
}
.app-profile-slide-tag {
    display: inline-block; font-size: .5rem; font-weight: 700;
    text-transform: uppercase; letter-spacing: .8px;
    background: var(--accent, #c5a028); color: #1a1a2e;
    padding: 2px 8px; border-radius: 6px; margin-bottom: 4px;
}
.app-profile-slide-title { font-size: .85rem; font-weight: 800; margin-bottom: 2px; }
.app-profile-slide-sub { font-size: .62rem; opacity: .85; line-height: 1.4; }
.app-profile-slider-dots {
    position: absolute; bottom: 8px; right: 12px;
    display: flex; gap: 5px; z-index: 2;
}

/* profile tabs */
.app-profile-tabs {
    display: flex;
    margin: 0 1rem;
    background: var(--white);
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
    border: 1px solid var(--border-gray);
    border-bottom: none;
    overflow: hidden;
}
.app-profile-tab {
    flex: 1;
    padding: .65rem .25rem;
    font-size: .7rem;
    font-weight: 600;
    font-family: var(--font-primary);
    background: var(--light-gray);
    border: none;
    border-right: 1px solid var(--border-gray);
    color: var(--text-muted);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: .3rem;
    transition: all .2s;
}
.app-profile-tab:last-child { border-right: none; }
.app-profile-tab.active {
    background: var(--white);
    color: var(--primary);
    box-shadow: inset 0 2px 0 var(--primary);
}
.app-profile-tab i { font-size: .72rem; }

/* statement notice */
.app-statement-notice {
    text-align: center;
    padding: 2rem 1.25rem;
}
.app-statement-icon {
    width: 56px; height: 56px;
    border-radius: 50%;
    background: var(--primary-light);
    color: var(--primary);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    margin: 0 auto .75rem;
}
.app-statement-notice h3 {
    font-size: .9rem;
    font-weight: 700;
    color: var(--text-primary);
    margin-bottom: .5rem;
}
.app-statement-notice p {
    font-size: .78rem;
    color: var(--text-secondary);
    line-height: 1.5;
    margin-bottom: 1rem;
}
.app-statement-contact {
    font-size: .78rem;
    color: var(--text-primary);
    font-weight: 500;
    margin-bottom: .4rem;
}
.app-statement-contact i {
    color: var(--primary);
    width: 18px;
    text-align: center;
    margin-right: .25rem;
}
.app-statement-btn {
    display: inline-flex;
    align-items: center;
    gap: .4rem;
    margin-top: 1rem;
    padding: .65rem 1.5rem;
    background: var(--primary);
    color: var(--white);
    border: none;
    border-radius: var(--radius-xl);
    font-size: .8rem;
    font-weight: 600;
    font-family: var(--font-primary);
    cursor: pointer;
    transition: background .2s;
}
.app-statement-btn:hover { background: var(--primary-dark); }

.app-detail-row {
    display: flex; align-items: center; justify-content: space-between;
    padding: .7rem 1rem;
    border-bottom: 1px solid var(--border-gray);
}
.app-detail-row:last-child { border-bottom: none; }
.app-detail-label { font-size: .72rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: .3px; font-weight: 600; }
.app-detail-value { font-size: .85rem; font-weight: 600; color: var(--text-primary); text-align: right; max-width: 60%; word-break: break-all; }
.app-detail-value.mono { font-family: 'Courier New', monospace; letter-spacing: 1px; }

/* app slider / carousel */
.app-slider {
    margin: .75rem 1rem;
    max-width: 480px;
    margin-left: auto;
    margin-right: auto;
    border-radius: var(--radius-lg);
    overflow: hidden;
    position: relative;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
}
.app-slider-track {
    display: flex;
    transition: transform .45s cubic-bezier(.4,0,.2,1);
    will-change: transform;
}
.app-slider-slide {
    min-width: 100%;
    position: relative;
    aspect-ratio: 3 / 1;
}
.app-slider-slide img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.app-slider-caption {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    padding: .75rem 1rem;
    background: linear-gradient(transparent, rgba(0,0,0,.65));
    color: var(--white);
}
.app-slider-title {
    font-size: .85rem;
    font-weight: 700;
    line-height: 1.2;
}
.app-slider-sub {
    font-size: .65rem;
    opacity: .85;
    margin-top: .15rem;
}
.app-slider-dots {
    position: absolute;
    bottom: .5rem; right: .75rem;
    display: flex; gap: .35rem;
    z-index: 2;
}
.app-slider-dot {
    width: 7px; height: 7px;
    border-radius: 50%;
    border: none;
    background: rgba(255,255,255,.45);
    cursor: pointer;
    padding: 0;
    transition: all .2s;
}
.app-slider-dot.active {
    background: var(--white);
    width: 18px;
    border-radius: 4px;
}

/* app receipt */
.app-receipt {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin: .75rem 1rem;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-gray);
    overflow: hidden;
}
.app-receipt-header {
    background: linear-gradient(135deg, var(--success), #1b5e20);
    padding: 1.5rem; text-align: center; color: var(--white);
}
.app-receipt-check {
    width: 52px; height: 52px; border-radius: 50%;
    background: rgba(255,255,255,.2); margin: 0 auto .5rem;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.5rem;
}
.app-receipt-check.pending { background: rgba(255,152,0,.25); }
.app-receipt-check.failed { background: rgba(198,40,40,.25); }
.app-receipt-header h2 { font-size: 1rem; font-weight: 700; }
.app-receipt-header .ref { font-size: .72rem; opacity: .75; margin-top: .15rem; }
.app-receipt-amount {
    text-align: center; padding: 1rem;
    background: var(--light-gray); margin: .75rem 1rem;
    border-radius: var(--radius-md);
}
.app-receipt-amount .label { font-size: .65rem; color: var(--text-muted); text-transform: uppercase; }
.app-receipt-amount .value { font-size: 1.75rem; font-weight: 800; color: var(--primary); }
.app-receipt-body { padding: 0; }
.app-receipt-body .app-detail-row { padding: .65rem 1rem; }
.app-detail-toggle {
    background: none; border: none; color: var(--primary); font-size: .7rem;
    font-weight: 600; cursor: pointer; padding: .15rem .4rem;
    font-family: var(--font-primary); margin-left: .35rem;
}
.app-detail-toggle:hover { text-decoration: underline; }
.app-receipt-stamp {
    text-align: center; padding: .75rem 0;
    color: var(--success); font-weight: 800; font-size: .95rem;
    letter-spacing: 3px; text-transform: uppercase;
    border: 2px solid var(--success); border-radius: var(--radius-md);
    margin: .5rem 1rem; opacity: .5;
}
.app-receipt-stamp.pending { color: #e65100; border-color: #e65100; }
.app-receipt-stamp.failed { color: #c62828; border-color: #c62828; }
.app-receipt-actions {
    display: flex; gap: .5rem; padding: .75rem 1rem 1rem;
}
.app-receipt-actions a,
.app-receipt-actions button {
    flex: 1; padding: .6rem; border-radius: var(--radius-sm);
    font-size: .75rem; font-weight: 600; text-align: center;
    border: 1.5px solid var(--border-gray); background: var(--white);
    color: var(--text-primary); cursor: pointer;
    font-family: var(--font-primary); text-decoration: none;
    display: flex; align-items: center; justify-content: center; gap: .3rem;
    transition: all .15s;
}
.app-receipt-actions a:hover,
.app-receipt-actions button:hover { border-color: var(--primary); color: var(--primary); text-decoration: none; }
.app-receipt-actions .primary-action {
    background: var(--primary); color: var(--white); border-color: var(--primary);
}

/* app printing */
@media print {
    .app-bottom-nav, .app-topbar, .preloader { display: none !important; }
    .app-shell { padding-bottom: 0; }
    .app-balance { color: #000; background: #f0f0f0 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}

/* ---------- error / not found ---------- */
.bank-error-wrapper {
    min-height: 60vh; display: flex; align-items: center; justify-content: center;
    padding: 2rem;
}
.bank-error-card {
    text-align: center; max-width: 400px;
    background: var(--white); border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg); padding: 3rem 2rem;
}
.bank-error-card i { font-size: 3rem; color: var(--error); margin-bottom: 1rem; }
.bank-error-card h2 { font-size: 1.25rem; color: var(--text-primary); margin-bottom: .5rem; }
.bank-error-card p { font-size: .85rem; color: var(--text-secondary); }

/* ---------- utility ---------- */
.text-success { color: var(--success) !important; }
.text-error { color: var(--error) !important; }
.text-muted { color: var(--text-muted) !important; }
.text-center { text-align: center; }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mb-2 { margin-bottom: 1rem; }
.d-flex { display: flex; }
.gap-1 { gap: .5rem; }
.justify-center { justify-content: center; }

/* ---------- animations ---------- */
.fade-in { opacity: 0; animation: fadeIn .6s ease forwards; }
.slide-in { opacity: 0; transform: translateY(20px); transition: all .5s ease; }
.slide-in.visible { opacity: 1; transform: translateY(0); }
@keyframes fadeIn { to { opacity: 1; } }

/* ---------- responsive ---------- */
@media (max-width: 768px) {
    .bank-header { padding: .75rem 1rem; flex-wrap: wrap; }
    .bank-nav { display: none; }
    .bank-nav.open {
        display: flex; flex-direction: column; width: 100%;
        margin-top: .75rem; padding-top: .75rem;
        border-top: 1px solid var(--border-gray);
    }
    .bank-nav-mobile { display: block; }
    .bank-main { padding: 1rem; }
    .balance-card { padding: 1.5rem; }
    .balance-amount { font-size: 2rem; }
    .balance-meta { flex-direction: column; gap: .5rem; }
    .quick-actions { grid-template-columns: repeat(2, 1fr); }
    .profile-detail-grid { grid-template-columns: 1fr; }
    .profile-detail:nth-child(odd) { border-right: none; }
    .trust-strip { gap: 1rem; }
    .receipt-card { margin: 1rem; }
    .receipt-actions { flex-direction: column; }
    .transfer-card-body { padding: 1.25rem; }
}

@media (max-width: 480px) {
    .quick-actions { grid-template-columns: 1fr; }
    .balance-amount { font-size: 1.75rem; }
    .trust-strip { flex-direction: column; gap: .5rem; }
    .hp-cta-cards { grid-template-columns: 1fr; max-width: 280px; }
}

/* ---------- register page ---------- */
.reg-page {
    display: flex; min-height: 100vh;
}
.reg-hero {
    flex: 1; position: relative; display: flex; align-items: center; justify-content: center;
    overflow: hidden;
}
.reg-hero-bg {
    position: absolute; inset: 0;
    background-size: cover; background-position: center;
}
.reg-hero-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(26,35,126,.88), rgba(13,71,161,.82));
}
.reg-hero-content {
    position: relative; z-index: 2; color: #fff;
    padding: 3rem; max-width: 520px;
}
.reg-hero-content h1 {
    font-size: 2rem; font-weight: 800; margin: 1rem 0 .75rem;
    line-height: 1.2;
}
.reg-hero-content > p {
    font-size: .92rem; opacity: .85; line-height: 1.7; margin-bottom: 1.5rem;
}
.reg-hero-features {
    display: grid; grid-template-columns: 1fr 1fr; gap: .5rem .75rem;
    margin-bottom: 2rem;
}
.reg-hero-feature {
    font-size: .82rem; display: flex; align-items: center; gap: .5rem;
    opacity: .9;
}
.reg-hero-feature i { color: #81c784; font-size: .7rem; }
.reg-hero-trust {
    display: flex; gap: 1.5rem; padding-top: 1.5rem;
    border-top: 1px solid rgba(255,255,255,.15);
}
.reg-hero-trust-item {
    font-size: .72rem; font-weight: 600; opacity: .7;
    display: flex; align-items: center; gap: .4rem;
}
.reg-form-panel {
    flex: 1; display: flex; align-items: center; justify-content: center;
    background: var(--light-gray); padding: 2rem;
    overflow-y: auto; max-height: 100vh;
}
.reg-form-inner { width: 100%; max-width: 480px; }
.reg-mobile-header {
    display: none; align-items: center; gap: .6rem;
    margin-bottom: 1.5rem;
}
.reg-card {
    background: var(--white); border-radius: 16px;
    box-shadow: 0 4px 24px rgba(0,0,0,.06);
    padding: 2rem; overflow: hidden;
}
.reg-card-header { margin-bottom: 1.5rem; }
.reg-card-header h2 {
    font-size: 1.4rem; font-weight: 800; color: var(--text-primary);
    margin-bottom: .35rem;
}
.reg-card-header p { font-size: .85rem; color: var(--text-muted); }
.reg-field { margin-bottom: 1rem; }
.reg-field label {
    display: block; font-size: .78rem; font-weight: 600;
    color: var(--text-secondary); margin-bottom: .35rem;
}
.reg-field label i { width: 14px; text-align: center; font-size: .7rem; }
.reg-field input, .reg-field select {
    width: 100%; padding: .7rem 1rem;
    border: 1.5px solid var(--border-gray); border-radius: 10px;
    font-size: .88rem; font-family: var(--font-primary);
    background: var(--light-gray); color: var(--text-primary);
    transition: border-color .2s, box-shadow .2s;
    box-sizing: border-box;
}
.reg-field input:focus, .reg-field select:focus {
    outline: none; border-color: var(--primary);
    box-shadow: 0 0 0 3px var(--primary-light);
}
.reg-field input::placeholder { color: var(--text-muted); }
.reg-error { color: #c62828; font-size: .72rem; margin-top: .25rem; display: block; }
.reg-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.reg-submit {
    width: 100%; padding: .85rem;
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    color: #fff; border: none; border-radius: 10px;
    font-size: .92rem; font-weight: 700; cursor: pointer;
    font-family: var(--font-primary);
    display: flex; align-items: center; justify-content: center; gap: .5rem;
    transition: transform .2s, box-shadow .2s;
    margin-top: .5rem;
}
.reg-submit:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(26,35,126,.3); }
.reg-footer-link {
    text-align: center; margin-top: 1.25rem; padding-top: 1rem;
    border-top: 1px solid var(--border-gray);
    font-size: .82rem;
}
.reg-footer-link span { color: var(--text-muted); }
.reg-footer-link a { color: var(--primary); font-weight: 600; margin-left: .25rem; text-decoration: none; }
.reg-footer-link a:hover { text-decoration: underline; }
/* -- step wizard -- */
.reg-steps {
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.75rem; gap: 0;
}
.reg-step {
    display: flex; flex-direction: column; align-items: center; gap: .4rem;
}
.reg-step-circle {
    width: 36px; height: 36px; border-radius: 50%;
    border: 2px solid var(--border-gray); background: var(--light-gray);
    display: flex; align-items: center; justify-content: center;
    font-size: .82rem; font-weight: 700; color: var(--text-muted);
    transition: all .3s ease;
}
.reg-step.active .reg-step-circle {
    border-color: var(--primary); background: var(--primary);
    color: #fff; box-shadow: 0 0 0 4px var(--primary-light);
}
.reg-step.completed .reg-step-circle {
    border-color: var(--success); background: var(--success);
    color: #fff;
}
.reg-step-label {
    font-size: .68rem; font-weight: 600; color: var(--text-muted);
    white-space: nowrap; transition: color .3s;
}
.reg-step.active .reg-step-label { color: var(--primary); }
.reg-step.completed .reg-step-label { color: var(--success); }
.reg-step-line {
    flex: 1; height: 2px; background: var(--border-gray);
    min-width: 50px; margin: 0 .5rem; margin-bottom: 1.2rem;
    transition: background .3s;
}
.reg-step-line.active { background: var(--success); }
.reg-required { color: #c62828; font-weight: 700; }
.reg-field-hint {
    font-size: .7rem; color: var(--text-muted); margin-top: .3rem;
}
.reg-section-divider {
    display: flex; align-items: center; gap: .75rem;
    margin: 1.25rem 0 1rem; font-size: .72rem; font-weight: 700;
    color: var(--text-secondary); text-transform: uppercase; letter-spacing: .5px;
}
.reg-section-divider::before, .reg-section-divider::after {
    content: ''; flex: 1; height: 1px; background: var(--border-gray);
}
.reg-btn-row {
    display: flex; gap: .75rem; margin-top: .5rem;
}
.reg-back {
    padding: .85rem 1.25rem; border: 1.5px solid var(--border-gray);
    border-radius: 10px; background: transparent; color: var(--text-secondary);
    font-size: .88rem; font-weight: 600; cursor: pointer;
    font-family: var(--font-primary);
    display: flex; align-items: center; gap: .4rem;
    transition: border-color .2s, color .2s;
}
.reg-back:hover { border-color: var(--primary); color: var(--primary); }
/* slide transitions */
.reg-slide-enter { transition: all .35s ease; }
.reg-slide-enter-from { opacity: 0; transform: translateX(30px); }
.reg-slide-enter-to { opacity: 1; transform: translateX(0); }

.reg-trust-strip {
    display: flex; justify-content: center; gap: 1.5rem;
    margin-top: 1.25rem; font-size: .72rem; color: var(--text-muted);
}
.reg-trust-strip div { display: flex; align-items: center; gap: .35rem; }
.reg-trust-strip i { font-size: .65rem; color: var(--primary); }

@media (max-width: 900px) {
    .reg-page { flex-direction: column; }
    .reg-hero { min-height: 280px; flex: none; }
    .reg-hero-content { padding: 2rem 1.5rem; max-width: 100%; }
    .reg-hero-content h1 { font-size: 1.5rem; }
    .reg-hero-features { grid-template-columns: 1fr; }
    .reg-hero-trust { flex-wrap: wrap; gap: 1rem; }
    .reg-form-panel { max-height: none; padding: 1.5rem 1rem; }
    .reg-mobile-header { display: none; }
}
@media (max-width: 600px) {
    .reg-hero { min-height: 220px; }
    .reg-hero-content h1 { font-size: 1.25rem; }
    .reg-hero-content > p { font-size: .82rem; }
    .reg-hero-features { display: none; }
    .reg-hero-trust { display: none; }
    .reg-card { padding: 1.5rem; }
    .reg-row { grid-template-columns: 1fr; gap: 0; }
    .reg-mobile-header { display: flex; }
    .reg-trust-strip { flex-direction: column; align-items: center; gap: .6rem; }
}

/* ---------- dark mode ---------- */
body.dark-mode {
    --white: #1a1a2e;
    --light-gray: #111827;
    --border-gray: #374151;
    --text-primary: #f3f4f6;
    --text-secondary: #9ca3af;
    --text-muted: #6b7280;
    --shadow-sm: 0 1px 2px rgba(0,0,0,.3);
    --shadow-md: 0 4px 12px rgba(0,0,0,.4);
    --shadow-lg: 0 8px 24px rgba(0,0,0,.5);
    background: #0f172a;
    color: #f3f4f6;
}
body.dark-mode .app-topbar { background: #1e293b; border-color: #334155; }
body.dark-mode .app-topbar-name { color: #f1f5f9; }
body.dark-mode .app-topbar-btn { color: #e2e8f0; }
body.dark-mode .app-balance { background: linear-gradient(135deg, #1e3a5f, #0f172a); }
body.dark-mode .app-section { background: #1e293b; border-color: #334155; }
body.dark-mode .app-section-header { background: #1e293b; border-color: #334155; }
body.dark-mode .app-section-header h3 { color: #e2e8f0; }
body.dark-mode .app-action { background: #1e293b; border-color: #334155; }
body.dark-mode .app-action span { color: #cbd5e1; }
body.dark-mode .app-bottom-nav { background: #1e293b; border-color: #334155; }
body.dark-mode .app-nav-item { color: #94a3b8; }
body.dark-mode .app-receipt { background: #1e293b; border-color: #334155; }
body.dark-mode .app-receipt-amount { background: #0f172a; }
body.dark-mode .app-receipt-actions a,
body.dark-mode .app-receipt-actions button { background: #1e293b; border-color: #475569; color: #e2e8f0; }
body.dark-mode .app-profile-hero { background: linear-gradient(135deg, #1e3a5f, #0f172a); }
body.dark-mode .app-profile-summary-card { background: #1e293b; box-shadow: 0 2px 8px rgba(0,0,0,.2); }
body.dark-mode .app-profile-summary-value { color: #f3f4f6; }
body.dark-mode .app-profile-slider { box-shadow: 0 2px 12px rgba(0,0,0,.3); }
body.dark-mode .app-profile-tabs { background: #1e293b; border-color: #334155; }
body.dark-mode .app-profile-tab { background: #111827; color: #94a3b8; border-color: #334155; }
body.dark-mode .app-profile-tab.active { background: #1e293b; color: var(--primary); }
body.dark-mode .app-slider { border-color: #334155; }
body.dark-mode .app-notice { background: #422006; border-color: #854d0e; color: #fbbf24; }
body.dark-mode .app-notice i { color: #f59e0b; }
body.dark-mode .app-statement-notice h3 { color: #e2e8f0; }
body.dark-mode .app-statement-notice p { color: #9ca3af; }
body.dark-mode .app-transfer-card { background: #1e293b; border-color: #334155; }
body.dark-mode .app-transfer-input { background: #0f172a; border-color: #475569; color: #f3f4f6; }
body.dark-mode .app-transfer-input:focus { border-color: var(--primary); }
body.dark-mode .bank-login-card { background: #1e293b; box-shadow: 0 8px 24px rgba(0,0,0,.5); }
body.dark-mode .bank-login-input { background: #0f172a; border-color: #475569; color: #f3f4f6; }
body.dark-mode .reg-form-panel { background: #111827; }
body.dark-mode .reg-card { background: #1e293b; box-shadow: 0 4px 24px rgba(0,0,0,.3); }
body.dark-mode .reg-card-header h2 { color: #f3f4f6; }
body.dark-mode .reg-field input, body.dark-mode .reg-field select { background: #0f172a; border-color: #475569; color: #f3f4f6; }
body.dark-mode .reg-field input:focus, body.dark-mode .reg-field select:focus { border-color: var(--primary); }
body.dark-mode .reg-footer-link { border-color: #334155; }
body.dark-mode .reg-step-circle { border-color: #475569; background: #0f172a; color: #9ca3af; }
body.dark-mode .reg-step-line { background: #475569; }
body.dark-mode .reg-back { border-color: #475569; color: #9ca3af; }
body.dark-mode .reg-back:hover { border-color: var(--primary); color: var(--primary); }
body.dark-mode .reg-section-divider { color: #9ca3af; }
body.dark-mode .reg-section-divider::before, body.dark-mode .reg-section-divider::after { background: #475569; }
body.dark-mode .preloader { background: #0f172a; }
body.dark-mode .preloader-text { color: #94a3b8; }
/* ---------- print ---------- */
@media print {
    .preloader, .bank-nav, .bank-nav-mobile, .official-banner, .trust-strip,
    .quick-actions, .btn-receipt-action, .bank-footer, .copy-btn { display: none !important; }
    body { background: white; }
    .bank-header { position: static; box-shadow: none; border-bottom: 2px solid #000; }
    .balance-card { color: #000; background: #f0f0f0 !important; -webkit-print-color-adjust: exact; print-color-adjust: exact; }
    .bank-card, .receipt-card, .profile-section { box-shadow: none; border: 1px solid #ccc; }
    .receipt-stamp { opacity: 1; }
}