:root {
  --navy-900: #061a33;
  --navy-800: #0a2647;
  --navy-700: #0f3561;
  --navy-600: #17497f;
  --blue-500: #1f6fd1;
  --blue-50: #eef4fc;
  --gold-500: #c8902a;
  --gold-400: #e0a83e;
  --gold-50: #fdf6e7;
  --ink: #14202e;
  --ink-2: #44546a;
  --ink-3: #6b7a8f;
  --line: #dfe5ee;
  --line-2: #eef2f7;
  --bg: #f5f7fb;
  --surface: #ffffff;
  --surface-2: #f8fafc;
  --up: #11804d;
  --down: #c62b2b;
  --up-bg: #e7f5ee;
  --down-bg: #fcebeb;
  --warn: #9a6200;
  --warn-bg: #fff4dc;
  --radius: 14px;
  --radius-sm: 9px;
  --shadow: 0 1px 2px rgba(10, 38, 71, .06), 0 6px 24px rgba(10, 38, 71, .07);
  --shadow-lg: 0 20px 60px rgba(6, 26, 51, .25);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

[data-theme="dark"] {
  --navy-900: #05101f;
  --navy-800: #0a1b30;
  --navy-700: #112845;
  --navy-600: #1a3b63;
  --blue-500: #3b82f6;
  --blue-50: #122847;
  --gold-500: #e5a93c;
  --gold-400: #f3be58;
  --gold-50: #2a2211;
  --ink: #f0f4f9;
  --ink-2: #b5c3d4;
  --ink-3: #8294a8;
  --line: #223449;
  --line-2: #18283a;
  --bg: #0b1522;
  --surface: #101e30;
  --surface-2: #16263b;
  --up: #22c55e;
  --down: #ef4444;
  --up-bg: #0d2c1d;
  --down-bg: #341518;
  --warn: #f59e0b;
  --warn-bg: #312108;
  --shadow: 0 1px 3px rgba(0, 0, 0, .4), 0 8px 30px rgba(0, 0, 0, .5);
  --shadow-lg: 0 24px 70px rgba(0, 0, 0, .7);
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; font-family: var(--font); color: var(--ink); background: var(--bg);
  font-size: 15px; line-height: 1.5; -webkit-font-smoothing: antialiased;
  transition: background-color .2s ease, color .2s ease;
}
a { color: var(--blue-500); text-decoration: none; }
a:hover { text-decoration: underline; }
img, svg { display: block; }
h1, h2, h3, h4 { margin: 0 0 .4em; line-height: 1.2; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
.num { font-variant-numeric: tabular-nums; }
.muted { color: var(--ink-3); }
.small { font-size: 13px; }
.up { color: var(--up); }
.down { color: var(--down); }
.container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }

/* Anchor scroll target offset to avoid sticky header clipping */
section.block, #products, #markets, #news, #habits {
  scroll-margin-top: 86px;
}

/* ---------- buttons & forms ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: 1px solid transparent; border-radius: 999px; padding: 10px 22px;
  font: 600 14px/1.2 var(--font); cursor: pointer; white-space: nowrap;
  background: var(--navy-700); color: #fff; text-decoration: none !important;
  position: relative; overflow: hidden;
  transition: transform .18s cubic-bezier(0.2, 0.8, 0.2, 1),
              box-shadow .2s ease,
              background-color .2s ease,
              border-color .2s ease,
              color .2s ease;
  user-select: none; -webkit-user-select: none;
}
.btn::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  opacity: 0;
  pointer-events: none;
  background: radial-gradient(circle at center, rgba(255, 255, 255, .32) 10%, transparent 65%);
  transform: scale(2.2);
  transition: opacity .4s ease, transform .4s ease;
}
.btn:active::after {
  opacity: 1;
  transform: scale(0);
  transition: 0s;
}
.btn:hover {
  background: var(--navy-600);
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(10, 38, 71, .22);
}
.btn:active {
  transform: translateY(1px) scale(0.97);
  box-shadow: 0 1px 4px rgba(10, 38, 71, .15);
  transition-duration: .06s;
}
.btn:disabled {
  opacity: .55; cursor: not-allowed;
  transform: none !important; box-shadow: none !important;
}

.btn-gold {
  background: var(--gold-500); color: #fff;
  box-shadow: 0 2px 10px rgba(200, 144, 42, .2);
}
.btn-gold:hover {
  background: #b37f21;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(200, 144, 42, .38);
}
.btn-gold:active {
  transform: translateY(1px) scale(0.97);
  box-shadow: 0 2px 6px rgba(200, 144, 42, .2);
}

.btn-ghost {
  background: transparent; border-color: var(--line); color: var(--ink);
}
.btn-ghost:hover {
  background: var(--line-2);
  border-color: var(--blue-500);
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(31, 111, 209, .12);
}
.btn-ghost:active {
  transform: translateY(1px) scale(0.97);
  box-shadow: none;
}

.btn-light {
  background: #fff; color: var(--navy-800);
  box-shadow: 0 2px 8px rgba(0, 0, 0, .08);
}
.btn-light:hover {
  background: #f8fafc;
  color: var(--navy-900);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255, 255, 255, .25);
}
.btn-light:active {
  transform: translateY(1px) scale(0.97);
  box-shadow: 0 1px 4px rgba(0, 0, 0, .1);
}

.btn-danger { background: var(--down); }
.btn-danger:hover {
  background: #a82222;
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(198, 43, 43, .3);
}
.btn-danger:active {
  transform: translateY(1px) scale(0.97);
}

.btn-sm { padding: 6px 15px; font-size: 13px; }
.btn-block { width: 100%; }
.link-btn {
  background: none; border: 0; padding: 0; color: var(--blue-500); font: inherit; cursor: pointer;
  transition: opacity .15s ease, transform .15s ease;
}
.link-btn:hover { text-decoration: underline; }
.link-btn:active { transform: scale(0.97); opacity: .85; }

label { display: block; font-size: 13px; font-weight: 600; color: var(--ink-2); margin-bottom: 6px; }
input, select, textarea {
  width: 100%; font: 15px var(--font); color: var(--ink); background: var(--surface);
  border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 10px 12px;
  transition: border-color .18s ease, box-shadow .18s ease, transform .15s ease;
}
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--blue-500);
  box-shadow: 0 0 0 3.5px rgba(31, 111, 209, .16);
  transform: translateY(-1px);
}
textarea { resize: vertical; min-height: 90px; }
.field { margin-bottom: 14px; }
.sample-box { background: var(--blue-50); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px 2px; margin: 6px 0 16px; }
.demo-line { font-size: 12px; color: var(--ink-3); }
.rate-auto { display: flex; align-items: baseline; gap: 8px; min-height: 42px; padding: 10px 12px; border-radius: var(--radius-sm); background: var(--bg); border: 1px dashed var(--line); }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 14px; }
.check { display: flex; align-items: center; gap: 8px; font-weight: 500; color: var(--ink); cursor: pointer; }
.check input { width: auto; cursor: pointer; }
@keyframes shake {
  0%, 100% { transform: translateX(0); }
  20%, 60% { transform: translateX(-5px); }
  40%, 80% { transform: translateX(5px); }
}
.form-error { background: var(--down-bg); color: var(--down); border-radius: var(--radius-sm); padding: 10px 12px; font-size: 14px; margin-bottom: 14px; display: none; }
.form-error.show { display: block; animation: shake .3s ease-out; }

/* ---------- cards ---------- */
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.card-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 14px; }
.card-head h2, .card-head h3 { margin: 0; font-size: 17px; }
.badge {
  display: inline-flex; align-items: center; gap: 4px; padding: 2px 9px; border-radius: 999px;
  font-size: 12px; font-weight: 600; background: var(--line-2); color: var(--ink-2); text-transform: capitalize;
}
.badge.good { background: var(--up-bg); color: var(--up); }
.badge.bad { background: var(--down-bg); color: var(--down); }
.badge.warn { background: var(--warn-bg); color: var(--warn); }
.badge.info { background: var(--blue-50); color: var(--blue-500); }

/* ---------- tables ---------- */
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th { text-align: left; font-size: 12px; text-transform: uppercase; letter-spacing: .04em; color: var(--ink-3); font-weight: 600; padding: 10px 12px; border-bottom: 1px solid var(--line); white-space: nowrap; }
td { padding: 12px; border-bottom: 1px solid var(--line-2); vertical-align: middle; }
tr:last-child td { border-bottom: 0; }
td.amt, th.amt { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
tbody tr.clickable { cursor: pointer; }
tbody tr.clickable:hover { background: var(--line-2); }
.tx-table td { padding: 10px 10px; }
.tx-table th { padding: 10px 10px; }
.tx-date { white-space: nowrap; color: var(--ink-2); font-size: 13.5px; }
.tx-acct { white-space: nowrap; color: var(--ink-2); font-size: 13.5px; }
.tx-desc { min-width: 180px; }
.tx-cat { text-transform: capitalize; }
.show-more { text-align: center; padding: 14px 0 2px; }
.show-more[hidden] { display: none; }
.show-more .btn { min-width: 160px; }
.empty { text-align: center; color: var(--ink-3); padding: 30px 10px; }

/* ---------- logo ---------- */
.logo { display: inline-flex; align-items: center; gap: 12px; color: inherit; text-decoration: none !important; }
.logo-mark { width: 44px; height: 24px; flex: none; display: block; overflow: visible; }
.logo-mark .logo-red { fill: #E31837; }
.logo-mark .logo-blue { fill: #012169; }
[data-theme="dark"] .logo-mark .logo-blue,
.sidebar .logo-mark .logo-blue,
.login-art .logo-mark .logo-blue,
.site-footer .logo-mark .logo-blue,
.topbar .logo-mark .logo-blue {
  fill: #3b82f6;
}
.logo-text { font-weight: 800; font-size: 18px; letter-spacing: -.02em; line-height: 1; text-transform: uppercase; }
.logo-text small { display: block; font-weight: 700; font-size: 9.5px; letter-spacing: .24em; text-transform: uppercase; opacity: .75; margin-top: 3px; }

/* ---------- toast & modal ---------- */
#toasts { position: fixed; right: 20px; bottom: 20px; z-index: 1000; display: grid; gap: 10px; }
.toast {
  background: var(--navy-900); color: #fff; padding: 12px 18px; border-radius: 10px;
  box-shadow: var(--shadow-lg); font-size: 14px; max-width: 360px;
  animation: toastSlideIn .28s cubic-bezier(0.16, 1, 0.3, 1); border: 1px solid var(--line);
}
.toast.error { background: var(--down); }
.toast.success { background: var(--up); }
@keyframes toastSlideIn {
  0% { transform: translateY(16px) scale(0.95); opacity: 0; }
  100% { transform: translateY(0) scale(1); opacity: 1; }
}

.modal-backdrop {
  position: fixed; inset: 0; background: rgba(2, 10, 20, .68); z-index: 900;
  display: flex; align-items: flex-start; justify-content: center; padding: 6vh 16px;
  overflow-y: auto; animation: backdropFade .2s ease-out; backdrop-filter: blur(3px);
}
@keyframes backdropFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes modalPop {
  0% { opacity: 0; transform: scale(0.94) translateY(12px); }
  100% { opacity: 1; transform: scale(1) translateY(0); }
}
.modal {
  background: var(--surface); border: 1px solid var(--line); border-radius: 16px;
  width: 100%; max-width: 560px; box-shadow: var(--shadow-lg); color: var(--ink);
  animation: modalPop .24s cubic-bezier(0.16, 1, 0.3, 1);
}
.modal.wide { max-width: 760px; }
.modal-head { display: flex; align-items: center; justify-content: space-between; padding: 18px 22px; border-bottom: 1px solid var(--line); }
.modal-head h3 { margin: 0; font-size: 18px; }
.modal-body { padding: 22px; }
.modal-foot { display: flex; justify-content: flex-end; gap: 10px; padding: 0 22px 22px; }
.x-btn {
  background: none; border: 0; font-size: 26px; line-height: 1; cursor: pointer;
  color: var(--ink-3); padding: 0 4px; border-radius: 8px;
  transition: color .18s ease, transform .22s cubic-bezier(0.2, 0.8, 0.2, 1);
}
.x-btn:hover { color: var(--ink); transform: rotate(90deg) scale(1.15); }
.x-btn:active { transform: rotate(90deg) scale(0.92); }

/* theme toggle button */
.theme-btn {
  background: none; border: 1px solid var(--line); border-radius: 50%; width: 38px; height: 38px;
  display: grid; place-items: center; cursor: pointer; color: var(--ink); position: relative;
  transition: transform .2s cubic-bezier(0.2, 0.8, 0.2, 1),
              box-shadow .2s ease,
              background-color .2s ease,
              border-color .2s ease,
              color .2s ease;
  user-select: none;
}
.theme-btn:hover {
  background: var(--line-2); border-color: var(--gold-400); color: var(--gold-400);
  transform: translateY(-2px) scale(1.06);
  box-shadow: 0 4px 14px rgba(200, 144, 42, .22);
}
.theme-btn:active {
  transform: translateY(1px) scale(0.9);
  box-shadow: none;
  transition-duration: .06s;
}
.theme-btn svg {
  width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 2;
  stroke-linecap: round; stroke-linejoin: round;
  transition: transform .35s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.theme-btn:hover svg {
  transform: rotate(25deg);
}

/* ================= PUBLIC SITE ================= */
.topbar { background: var(--navy-900); color: #c7d3e3; font-size: 13px; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; height: 36px; gap: 16px; }
.topbar a { color: #c7d3e3; }
.topbar nav { display: flex; gap: 22px; }
.topbar .seg a { padding: 9px 0; border-bottom: 2px solid transparent; }
.topbar .seg a.on { color: #fff; border-color: var(--gold-400); }

.site-header { background: var(--surface); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.site-header .container { display: flex; align-items: center; height: 74px; gap: 28px; }
.site-header .logo { color: var(--ink); }
.main-nav { display: flex; gap: 4px; flex: 1; }
.main-nav a {
  color: var(--ink); font-weight: 600; font-size: 14.5px; white-space: nowrap; padding: 8px 10px; border-radius: 8px;
  transition: background-color .18s ease, color .18s ease, transform .15s ease;
}
.main-nav a:hover { background: var(--line-2); text-decoration: none; transform: translateY(-1px); }
.main-nav a:active { transform: translateY(1px) scale(0.97); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.menu-btn { display: none; background: none; border: 0; cursor: pointer; padding: 6px; }

.ticker { background: var(--navy-800); color: #fff; overflow: hidden; font-size: 13px; height: 38px; display: flex; align-items: center; position: relative; }
.ticker-label { flex: none; background: var(--gold-500); height: 100%; display: flex; align-items: center; padding: 0 14px; font-weight: 700; letter-spacing: .06em; font-size: 11px; text-transform: uppercase; gap: 6px; z-index: 1; }
.live-dot { width: 7px; height: 7px; background: #fff; border-radius: 50%; animation: pulse 1.6s infinite; }
@keyframes pulse { 50% { opacity: .25; } }
.ticker-track { display: flex; gap: 36px; white-space: nowrap; animation: scroll 70s linear infinite; padding-left: 24px; }
.ticker:hover .ticker-track { animation-play-state: paused; }
@keyframes scroll { to { transform: translateX(-50%); } }
.ticker-item b { font-weight: 600; margin-right: 6px; }
.ticker-item .up { color: #5fe0a0; }
.ticker-item .down { color: #ff8d8d; }
@media (prefers-reduced-motion: reduce) { .ticker-track { animation: none; } }

.hero { background: radial-gradient(1200px 500px at 80% -10%, #1d5aa0 0%, transparent 60%), linear-gradient(120deg, var(--navy-900), var(--navy-700)); color: #fff; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; bottom: -160px; width: 520px; height: 520px; border-radius: 50%; border: 70px solid rgba(224, 168, 62, .12); }
.hero .container { display: grid; grid-template-columns: 380px 1fr; gap: 48px; padding-top: 48px; padding-bottom: 56px; position: relative; z-index: 1; }
.signin-card { background: var(--surface); color: var(--ink); border-radius: 16px; padding: 26px; box-shadow: var(--shadow-lg); border: 1px solid var(--line); align-self: start; }
.signin-card h2 { font-size: 20px; margin-bottom: 4px; }
.signin-card .lock { display: flex; gap: 6px; align-items: center; font-size: 12.5px; color: var(--ink-3); margin-bottom: 18px; }
.signin-card .links { display: flex; justify-content: space-between; margin-top: 14px; font-size: 13px; }
.hero-copy { align-self: center; max-width: 620px; }
.eyebrow { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-400); margin-bottom: 14px; }
.hero h1 { font-size: clamp(32px, 4.4vw, 52px); font-weight: 800; letter-spacing: -.025em; }
.hero p.lead { font-size: 18px; color: #c9d6e8; max-width: 540px; margin: 16px 0 28px; }
.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 36px; margin-top: 40px; flex-wrap: wrap; }
.hero-stats div b { display: block; font-size: 26px; font-weight: 800; }
.hero-stats div span { font-size: 13px; color: #9fb3cf; }

.quick-links { background: var(--surface); border-bottom: 1px solid var(--line); }
.quick-links .container { display: grid; grid-template-columns: repeat(6, 1fr); }
.quick-links a {
  display: flex; flex-direction: column; align-items: center; gap: 8px; padding: 22px 8px;
  color: var(--ink); font-weight: 600; font-size: 14px; text-align: center;
  border-right: 1px solid var(--line-2);
  transition: background-color .2s ease, transform .22s cubic-bezier(0.2, 0.8, 0.2, 1), color .2s ease;
}
.quick-links a:last-child { border-right: 0; }
.quick-links a:hover {
  background: var(--bg); text-decoration: none;
  transform: translateY(-2px);
  color: var(--blue-500);
}
.quick-links a:active {
  transform: translateY(1px) scale(0.97);
}
.quick-links .ico {
  width: 44px; height: 44px; border-radius: 12px; background: var(--blue-50); color: var(--blue-500);
  display: grid; place-items: center;
  transition: transform .25s cubic-bezier(0.34, 1.56, 0.64, 1),
              background-color .2s ease,
              color .2s ease,
              box-shadow .2s ease;
}
.quick-links a:hover .ico {
  transform: scale(1.12) translateY(-2px);
  background: var(--navy-700);
  color: #fff;
  box-shadow: 0 6px 16px rgba(10, 38, 71, .25);
}
.quick-links a:active .ico {
  transform: scale(0.95);
  box-shadow: 0 2px 6px rgba(10, 38, 71, .15);
}

section.block { padding: 64px 0; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 20px; margin-bottom: 28px; flex-wrap: wrap; }
.section-head h2 { font-size: 30px; font-weight: 800; margin: 0; }
.section-head p { margin: 6px 0 0; color: var(--ink-2); }

.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.product {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); overflow: hidden; display: flex; flex-direction: column;
  transition: transform .28s cubic-bezier(0.2, 0.8, 0.2, 1),
              box-shadow .28s ease,
              border-color .28s ease;
}
.product:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(10, 38, 71, .12);
  border-color: rgba(31, 111, 209, .3);
}
.product .art { height: 150px; position: relative; overflow: hidden; }
.product .art div svg {
  transition: transform .35s cubic-bezier(0.2, 0.8, 0.2, 1);
}
.product:hover .art div svg {
  transform: scale(1.12) rotate(4deg);
}
.product .body { padding: 22px; flex: 1; display: flex; flex-direction: column; }
.product h3 { font-size: 19px; }
.product p { color: var(--ink-2); flex: 1; }
.product .tag { font-size: 12px; font-weight: 700; color: var(--gold-500); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 6px; }
.product .rate { font-size: 28px; font-weight: 800; color: var(--ink); }
.product .rate small { font-size: 13px; font-weight: 600; color: var(--ink-3); }

.markets-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 22px; }
.index-cards { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.index-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px;
  display: grid; grid-template-columns: 1fr auto; gap: 2px 12px; align-items: center;
  transition: background .4s, transform .22s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow .22s ease;
}
.index-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, .07);
}
.index-card .nm { font-size: 13px; color: var(--ink-2); font-weight: 600; }
.index-card .px { font-size: 20px; font-weight: 700; }
.index-card .ch { font-size: 13px; font-weight: 600; }
.index-card svg { grid-row: 1 / span 3; grid-column: 2; }
.flash-up { background: var(--up-bg) !important; }
.flash-down { background: var(--down-bg) !important; }
.tabs { display: flex; gap: 4px; background: var(--line-2); padding: 4px; border-radius: 999px; width: fit-content; }
.tabs button {
  border: 0; background: none; padding: 7px 16px; border-radius: 999px;
  font: 600 13px var(--font); color: var(--ink-2); cursor: pointer;
  transition: background-color .2s ease, color .2s ease, transform .15s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow .2s ease;
  user-select: none;
}
.tabs button:hover:not(.on) {
  color: var(--ink);
  background: rgba(255, 255, 255, .4);
}
[data-theme="dark"] .tabs button:hover:not(.on) {
  background: rgba(255, 255, 255, .08);
}
.tabs button:active {
  transform: scale(0.93);
}
.tabs button.on { background: var(--surface); color: var(--ink); box-shadow: var(--shadow); }

@keyframes tabFadeIn {
  0% { opacity: 0; transform: translateY(8px); }
  100% { opacity: 1; transform: translateY(0); }
}
.tab-fade {
  animation: tabFadeIn .3s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.asof { font-size: 12px; color: var(--ink-3); display: flex; align-items: center; gap: 6px; }
.asof .live-dot { background: var(--up); }

.news-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 22px; }
.news-feature {
  background: linear-gradient(160deg, var(--navy-800), var(--navy-600)); color: #fff;
  border-radius: var(--radius); padding: 28px; display: flex; flex-direction: column;
  justify-content: flex-end; min-height: 300px; grid-row: span 2;
  transition: transform .25s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow .25s ease;
}
.news-feature:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 36px rgba(10, 38, 71, .25);
}
.news-feature a { color: #fff; }
.news-feature h3 { font-size: 24px; }
.news-item {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 18px 20px;
  transition: transform .22s cubic-bezier(0.2, 0.8, 0.2, 1), box-shadow .22s ease, border-color .22s ease;
}
.news-item:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 24px rgba(10, 38, 71, .09);
  border-color: rgba(31, 111, 209, .25);
}
.news-item a { color: var(--ink); font-weight: 600; font-size: 15.5px; line-height: 1.35; display: block; }
.news-item a:hover { color: var(--blue-500); text-decoration: none; }
.news-meta { font-size: 12.5px; color: var(--ink-3); margin-top: 8px; }
.news-feature .news-meta { color: #a9bcd6; }
.news-list { display: grid; gap: 0; }
.news-list .row { padding: 14px 0; border-bottom: 1px solid var(--line-2); }
.news-list .row:last-child { border-bottom: 0; }
.news-list a { color: var(--ink); font-weight: 600; }

.habits { background: transparent; }
.habits .section-head h2 { color: var(--gold-500); }
[data-theme="dark"] .habits .section-head h2 { color: var(--gold-400); }
.habit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.habit {
  background: var(--surface); border-radius: var(--radius); padding: 22px; border: 1px solid var(--line);
  display: block; text-decoration: none !important; color: inherit;
  transition: transform .24s cubic-bezier(0.2, 0.8, 0.2, 1),
              box-shadow .24s ease,
              border-color .24s ease;
}
.habit:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 30px rgba(10, 38, 71, .1);
  border-color: var(--gold-400);
}
.habit:active {
  transform: translateY(1px) scale(0.98);
}
.habit .k { font-size: 12px; font-weight: 700; color: var(--gold-500); letter-spacing: .1em; text-transform: uppercase; }
.habit h4 { font-size: 17px; margin: 8px 0; }
.habit p { color: var(--ink-2); font-size: 14px; margin: 0; }

.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: center; }
.calc-out {
  background: var(--navy-800); color: #fff; border-radius: var(--radius); padding: 28px;
  box-shadow: var(--shadow-lg); transition: transform .25s ease;
}
.calc-out .big {
  font-size: 40px; font-weight: 800;
  transition: color .2s ease, transform .2s ease;
}
input[type=range] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 999px;
  background: var(--line-2);
  outline: none;
  padding: 0;
  border: 0;
  accent-color: var(--navy-700);
  cursor: pointer;
  transition: background .2s ease;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy-700);
  border: 2.5px solid #fff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, .25);
  cursor: grab;
  transition: transform .15s cubic-bezier(0.2, 0.8, 0.2, 1),
              background-color .2s ease,
              box-shadow .2s ease;
}
input[type=range]::-webkit-slider-thumb:hover {
  transform: scale(1.18);
  box-shadow: 0 4px 14px rgba(10, 38, 71, .35);
}
input[type=range]::-webkit-slider-thumb:active {
  cursor: grabbing;
  transform: scale(1.25);
  background: var(--blue-500);
  box-shadow: 0 0 0 6px rgba(31, 111, 209, .2);
}
input[type=range]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--navy-700);
  border: 2.5px solid #fff;
  box-shadow: 0 2px 8px rgba(0, 0, 0, .25);
  cursor: grab;
  transition: transform .15s cubic-bezier(0.2, 0.8, 0.2, 1),
              background-color .2s ease,
              box-shadow .2s ease;
}
input[type=range]::-moz-range-thumb:hover {
  transform: scale(1.18);
  box-shadow: 0 4px 14px rgba(10, 38, 71, .35);
}
input[type=range]::-moz-range-thumb:active {
  cursor: grabbing;
  transform: scale(1.25);
  background: var(--blue-500);
  box-shadow: 0 0 0 6px rgba(31, 111, 209, .2);
}

.cta-band { background: var(--navy-800); color: #fff; border-radius: 20px; padding: 40px; display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { font-size: 28px; margin: 0; }
.cta-band p { color: #b9c8dc; margin: 6px 0 0; }

.site-footer { background: var(--navy-900); color: #9fb0c8; font-size: 13.5px; padding: 56px 0 28px; margin-top: 64px; }
.site-footer a { color: #c9d6e8; }
.footer-top { display: grid; grid-template-columns: 300px 1fr; gap: 48px; margin-bottom: 40px; }
.footer-brand p { margin: 14px 0 18px; }
.footer-cols { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; }
.social { display: flex; gap: 10px; margin-bottom: 18px; }
.social a {
  width: 36px; height: 36px; border-radius: 50%; background: rgba(255, 255, 255, .08);
  display: grid; place-items: center;
  transition: transform .2s cubic-bezier(0.2, 0.8, 0.2, 1), background-color .2s ease;
}
.social a:hover {
  background: var(--gold-500);
  transform: translateY(-2px) scale(1.08);
}
.social a:active {
  transform: scale(0.94);
}
.social svg { width: 17px; height: 17px; fill: #fff; }
.app-badges { display: flex; gap: 10px; flex-wrap: wrap; }
.app-badge {
  display: inline-flex; align-items: center; gap: 8px; border: 1px solid rgba(255, 255, 255, .25);
  border-radius: 999px; padding: 7px 14px; color: #fff !important; font-weight: 600; font-size: 14px;
  line-height: 1.1; text-decoration: none !important;
  transition: transform .2s cubic-bezier(0.2, 0.8, 0.2, 1), background-color .2s ease, border-color .2s ease;
}
.app-badge:hover {
  background: rgba(255, 255, 255, .1);
  border-color: rgba(255, 255, 255, .4);
  transform: translateY(-2px);
}
.app-badge:active {
  transform: translateY(1px) scale(0.96);
}
.app-badge svg { width: 20px; height: 20px; fill: #fff; }
.app-badge small { display: block; font-size: 10px; font-weight: 500; opacity: .75; }
.footer-contact { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; padding: 24px 0; border-top: 1px solid rgba(255, 255, 255, .1); }
.footer-contact > div { display: flex; gap: 12px; align-items: center; }
.footer-contact b { display: block; color: #fff; font-size: 14px; }
.footer-contact span { font-size: 13px; }
.fc-ico { width: 38px; height: 38px; flex: none; border-radius: 10px; background: rgba(224, 168, 62, .14); color: var(--gold-400); display: grid; place-items: center; font-size: 17px; }
.footer-links { display: flex; flex-wrap: wrap; gap: 8px 22px; padding: 18px 0; border-top: 1px solid rgba(255, 255, 255, .1); font-weight: 600; font-size: 13px; }
.footer-cols h5 { color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: .08em; margin: 0 0 12px; }
.footer-cols ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-safe { display: flex; align-items: center; gap: 18px; margin: 8px 0 28px; padding: 18px 22px; border-radius: 14px; background: linear-gradient(120deg, rgba(224, 168, 62, .14), rgba(224, 168, 62, .04)); border: 1px solid rgba(224, 168, 62, .3); }
.footer-safe .fs-ico { width: 46px; height: 46px; flex: none; border-radius: 12px; background: rgba(224, 168, 62, .2); color: var(--gold-400); display: grid; place-items: center; }
.footer-safe b { display: block; color: #fff; font-size: 16px; margin-bottom: 2px; }
.footer-safe span { font-size: 13.5px; color: #c9d6e8; }
.footer-safe > div { flex: 1; }
.footer-safe .btn { color: #fff !important; }
.footer-legal { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; font-size: 12.5px; line-height: 1.6; padding-bottom: 26px; }
.footer-legal h6 { margin: 0 0 6px; color: #fff; font-size: 11.5px; letter-spacing: .1em; text-transform: uppercase; }
.site-footer { padding-bottom: 96px; }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; border-top: 1px solid rgba(255, 255, 255, .1); padding-top: 22px; }
.fb-brand { display: flex; align-items: center; gap: 16px; color: #fff; }
.fb-brand .logo-mark { width: 30px; height: 30px; }
.fb-brand .logo-text { font-size: 16px; }
.fb-tag { font-size: 13px; font-style: italic; color: var(--gold-400); padding-left: 16px; border-left: 1px solid rgba(255, 255, 255, .15); }
.fb-copy { font-size: 12.5px; }
.fb-top {
  background: none; border: 1px solid rgba(255, 255, 255, .2); color: #c9d6e8;
  border-radius: 999px; padding: 7px 16px; font: 600 12.5px var(--font);
  cursor: pointer;
  transition: transform .2s cubic-bezier(0.2, 0.8, 0.2, 1),
              border-color .2s ease,
              color .2s ease,
              box-shadow .2s ease;
}
.fb-top:hover {
  border-color: var(--gold-400); color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(200, 144, 42, .25);
}
.fb-top:active {
  transform: translateY(1px) scale(0.95);
  box-shadow: none;
}

/* ================= APP SHELL (customer + admin) ================= */
.shell { display: grid; grid-template-columns: 250px 1fr; min-height: 100vh; }
.sidebar { background: var(--navy-900); color: #b9c8dc; padding: 20px 14px; position: sticky; top: 0; height: 100vh; display: flex; flex-direction: column; }
.sidebar .logo { color: #fff; padding: 4px 10px 22px; }
.side-nav { display: grid; gap: 2px; }
.side-nav a { display: flex; align-items: center; gap: 12px; color: #b9c8dc; padding: 10px 12px; border-radius: 10px; font-weight: 600; font-size: 14.5px; }
.side-nav a:hover { background: rgba(255, 255, 255, .06); color: #fff; text-decoration: none; }
.side-nav a.on { background: rgba(224, 168, 62, .16); color: #fff; }
.side-nav a.on svg { color: var(--gold-400); }
.side-nav .count { margin-left: auto; background: var(--gold-500); color: #fff; font-size: 11px; border-radius: 999px; padding: 1px 7px; }
.side-foot { margin-top: auto; border-top: 1px solid rgba(255, 255, 255, .08); padding-top: 14px; font-size: 13px; }
.side-foot .who { color: #fff; font-weight: 600; }

.main { min-width: 0; }
.app-top { background: var(--surface); border-bottom: 1px solid var(--line); height: 64px; display: flex; align-items: center; justify-content: space-between; padding: 0 28px; position: sticky; top: 0; z-index: 40; gap: 12px; }
.app-top h1 { font-size: 19px; margin: 0; }
.app-top .right { display: flex; align-items: center; gap: 14px; }
.notif-btn {
  background: none; border: 1px solid var(--line); border-radius: 50%; width: 38px; height: 38px;
  display: grid; place-items: center; cursor: pointer; color: var(--ink); position: relative;
  transition: transform .2s cubic-bezier(0.2, 0.8, 0.2, 1),
              box-shadow .2s ease,
              background-color .2s ease,
              border-color .2s ease,
              color .2s ease;
  user-select: none;
}
.notif-btn:hover {
  background: var(--line-2); border-color: var(--blue-500); color: var(--blue-500);
  transform: translateY(-2px) scale(1.06);
  box-shadow: 0 4px 14px rgba(31, 111, 209, .22);
}
.notif-btn:active {
  transform: translateY(1px) scale(0.9);
  box-shadow: none;
  transition-duration: .06s;
}
.notif-btn svg {
  width: 19px; height: 19px; fill: none; stroke: currentColor; stroke-width: 2;
  stroke-linecap: round; stroke-linejoin: round;
  transition: transform .35s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.notif-btn:hover svg {
  transform: rotate(-15deg);
}
.notif-badge { position: absolute; top: -3px; right: -3px; background: var(--down); color: #fff; font-size: 10.5px; font-weight: 700; border-radius: 999px; min-width: 17px; height: 17px; display: grid; place-items: center; padding: 0 4px; box-shadow: 0 0 0 2px var(--surface); }
.notif-badge[hidden] { display: none; }
.avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--navy-700); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: 13px; }
.page { padding: 26px 28px 60px; max-width: 1280px; }
.mini-ticker { display: flex; gap: 18px; font-size: 12.5px; overflow: hidden; white-space: nowrap; color: var(--ink-2); }
.mini-ticker b { color: var(--ink); }

.kpis { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 22px; }
.kpi { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 18px 20px; }
.kpi .l { font-size: 13px; color: var(--ink-3); font-weight: 600; }
.kpi .v { font-size: 26px; font-weight: 800; margin-top: 4px; letter-spacing: -.02em; }
.kpi .s { font-size: 12.5px; color: var(--ink-3); margin-top: 2px; }
.kpi.dark { background: linear-gradient(135deg, var(--navy-800), var(--navy-600)); color: #fff; border-color: transparent; }
.kpi.dark .l, .kpi.dark .s { color: #a9bcd6; }

.two-col { display: grid; grid-template-columns: 1.6fr 1fr; gap: 22px; align-items: start; }
.stack { display: grid; gap: 22px; min-width: 0; }
.two-col > *, .stack > * { min-width: 0; }

.acct-list { display: grid; gap: 12px; }
.acct { display: grid; grid-template-columns: 44px 1fr auto; gap: 14px; align-items: center; padding: 14px 16px; border: 1px solid var(--line); border-radius: 12px; cursor: pointer; transition: .15s; background: var(--surface); }
.acct:hover { border-color: var(--blue-500); box-shadow: 0 0 0 3px rgba(31, 111, 209, .08); }
.acct .ic { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-500); }
.acct .ic.credit { background: var(--gold-50); color: var(--gold-500); }
.acct .t { font-weight: 700; }
.acct .n { font-size: 13px; color: var(--ink-3); }
.acct .b { text-align: right; font-weight: 700; font-size: 18px; }
.acct .b small { display: block; font-size: 12px; color: var(--ink-3); font-weight: 500; }

.bank-card { width: 100%; max-width: 360px; aspect-ratio: 1.586; border-radius: 16px; padding: 20px 22px; color: #fff; position: relative; overflow: hidden; display: flex; flex-direction: column; justify-content: space-between; background: linear-gradient(135deg, #0a2647 0%, #17497f 60%, #1f6fd1 100%); box-shadow: var(--shadow-lg); }
.bank-card.gold { background: linear-gradient(135deg, #3b2a0c 0%, #8a6420 55%, #e0a83e 100%); }
.bank-card::before { content: ""; position: absolute; right: -60px; top: -60px; width: 200px; height: 200px; border-radius: 50%; background: rgba(255, 255, 255, .07); }
.bank-card .chip { width: 40px; height: 30px; border-radius: 6px; background: linear-gradient(135deg, #f1d38a, #b8913f); }
.bank-card .pan { font-size: 19px; letter-spacing: .14em; font-variant-numeric: tabular-nums; }
.bank-card .row { display: flex; justify-content: space-between; align-items: end; font-size: 12px; text-transform: uppercase; letter-spacing: .06em; }
.bank-card.locked { filter: grayscale(.8) brightness(.8); }
.bank-card .lockbadge { position: absolute; inset: 0; display: grid; place-items: center; font-weight: 800; letter-spacing: .2em; font-size: 14px; background: rgba(0, 0, 0, .25); }

.bars { display: grid; gap: 12px; }
.bar-row { display: grid; grid-template-columns: 110px 1fr 90px; gap: 10px; align-items: center; font-size: 13.5px; }
.bar-track { height: 10px; background: var(--line-2); border-radius: 999px; overflow: hidden; }
.bar-fill { height: 100%; background: var(--navy-600); border-radius: 999px; }

.msg { padding: 14px 0; border-bottom: 1px solid var(--line-2); cursor: pointer; }
.msg:last-child { border-bottom: 0; }
.msg .subj { font-weight: 600; }
.msg.unread .subj::before { content: ""; display: inline-block; width: 8px; height: 8px; background: var(--blue-500); border-radius: 50%; margin-right: 8px; }
.msg .body { color: var(--ink-2); font-size: 14px; margin-top: 6px; white-space: pre-wrap; display: none; }
.msg.open .body { display: block; }

.toolbar { display: flex; gap: 10px; align-items: center; margin-bottom: 16px; flex-wrap: wrap; }
.toolbar input[type=search] { max-width: 340px; }
.detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px 22px; }
.detail-grid .k { font-size: 12px; color: var(--ink-3); text-transform: uppercase; letter-spacing: .05em; font-weight: 600; }
.detail-grid .v { font-weight: 600; word-break: break-word; }
.actions { display: flex; gap: 8px; flex-wrap: wrap; }
.notice { background: var(--warn-bg); color: var(--warn); border-radius: 10px; padding: 12px 16px; margin-bottom: 18px; font-size: 14px; display: flex; justify-content: space-between; gap: 12px; align-items: center; }
.acct-row-actions { display: flex; gap: 6px; justify-content: flex-end; }
.receipt { text-align: center; padding: 10px 0; }
.receipt .tick { width: 56px; height: 56px; border-radius: 50%; background: var(--up-bg); color: var(--up); display: grid; place-items: center; margin: 0 auto 12px; }

.login-page { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; }
.login-art { background: linear-gradient(140deg, var(--navy-900), var(--navy-600)); color: #fff; padding: 48px; display: flex; flex-direction: column; justify-content: space-between; position: relative; overflow: hidden; }
.login-art::after { content: ""; position: absolute; right: -140px; bottom: -140px; width: 480px; height: 480px; border-radius: 50%; border: 60px solid rgba(224, 168, 62, .14); }
.login-form { display: grid; place-items: center; padding: 32px 20px; background: var(--surface); }
.login-form form { width: 100%; max-width: 380px; }

.hamburger { display: none; }

/* ---------- shared site chrome additions ---------- */
.main-nav a.on { background: var(--blue-50); color: var(--blue-500); }
.mobile-only { display: none !important; }
.topbar .lang-btn { color: #c7d3e3; font-size: 13px; }
.footer-links .link-btn { color: #c9d6e8; font-weight: 600; font-size: 13px; }
.cookie-banner { position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 800; max-width: 760px; margin: 0 auto; background: var(--surface); border-radius: 14px; box-shadow: var(--shadow-lg); padding: 16px 20px; display: flex; gap: 16px; align-items: center; justify-content: space-between; flex-wrap: wrap; border: 1px solid var(--line); }
.cookie-banner p { margin: 0; flex: 1 1 320px; font-size: 14px; color: var(--ink-2); }
.pref-row { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 14px 0; border-top: 1px solid var(--line-2); font-weight: 400; color: var(--ink); cursor: pointer; }
.pref-row input { width: 20px; height: 20px; flex: none; accent-color: var(--navy-700); }

/* ---------- content pages ---------- */
.page-hero { background: linear-gradient(120deg, var(--navy-900), var(--navy-700)); color: #fff; padding: 48px 0 52px; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -100px; top: -120px; width: 380px; height: 380px; border-radius: 50%; border: 56px solid rgba(224, 168, 62, .12); }
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(30px, 4vw, 44px); font-weight: 800; max-width: 760px; }
.page-hero p { color: #c9d6e8; font-size: 17px; max-width: 640px; margin: 12px 0 0; }
.page-hero .hero-cta { margin-top: 24px; }
.crumbs { font-size: 13px; color: #9fb3cf; margin-bottom: 14px; }
.crumbs a { color: #c9d6e8; }
.rate-strip { display: flex; gap: 36px; flex-wrap: wrap; margin-top: 28px; }
.rate-strip b { display: block; font-size: 28px; font-weight: 800; }
.rate-strip span { font-size: 13px; color: #9fb3cf; }
.content { padding: 48px 0; }
.content h2 { font-size: 26px; font-weight: 800; margin: 0 0 18px; }
.content-grid { display: grid; grid-template-columns: 1fr 340px; gap: 36px; align-items: start; }
.prose { font-size: 15.5px; color: var(--ink-2); }
.prose h2, .prose h3 { color: var(--ink); }
.prose h3 { font-size: 19px; margin-top: 28px; }
.prose ul { padding-left: 20px; }
.prose li { margin-bottom: 6px; }
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-bottom: 40px; }
.feature { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.feature .ico { width: 44px; height: 44px; border-radius: 12px; background: var(--blue-50); color: var(--blue-500); display: grid; place-items: center; margin-bottom: 12px; }
.feature h3 { font-size: 16.5px; }
.feature p { color: var(--ink-2); font-size: 14px; margin: 0; }
.side-card { position: sticky; top: 96px; }
.side-card .btn { margin-top: 8px; }
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); margin-bottom: 10px; }
.faq summary { cursor: pointer; padding: 16px 20px; font-weight: 600; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 20px; line-height: 1; color: var(--ink-3); }
.faq details[open] summary::after { content: "−"; }
.faq details > div { padding: 0 20px 18px; color: var(--ink-2); }
.link-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 14px; }
.link-card { display: block; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); padding: 18px 20px; color: var(--ink); text-decoration: none !important; transition: .15s; }
.link-card:hover { border-color: var(--blue-500); }
.link-card b { display: block; margin-bottom: 4px; }
.link-card span { font-size: 13.5px; color: var(--ink-2); }
.branch { display: grid; grid-template-columns: 1fr auto; gap: 6px 16px; padding: 16px 0; border-bottom: 1px solid var(--line-2); }
.branch:last-child { border-bottom: 0; }
.branch .tags { display: flex; gap: 6px; flex-wrap: wrap; margin-top: 6px; }
.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 28px; }
.form-card h3 { font-size: 16px; margin: 6px 0 14px; }
.req { color: var(--down); }
.success-panel { text-align: center; padding: 20px 10px; }
.success-panel .tick { width: 64px; height: 64px; border-radius: 50%; background: var(--up-bg); color: var(--up); display: grid; place-items: center; margin: 0 auto 16px; }
.ref-box { display: inline-block; background: var(--bg); border: 1px dashed var(--line); border-radius: 10px; padding: 10px 18px; font-weight: 800; font-size: 20px; letter-spacing: .04em; margin: 8px 0 16px; }
.steps { counter-reset: s; display: grid; gap: 14px; }
.steps li { list-style: none; counter-increment: s; display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; }
.steps li::before { content: counter(s); width: 34px; height: 34px; border-radius: 50%; background: var(--navy-700); color: #fff; display: grid; place-items: center; font-weight: 700; }
.habit { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; transition: .15s; }
a.habit { color: inherit; text-decoration: none !important; display: block; }
a.habit:hover { border-color: var(--gold-400); transform: translateY(-2px); }
.data-table td:first-child { font-weight: 600; }

/* Floating "Back to top" in Online Banking: sits above the chat button. */
.to-top { position: fixed; right: 20px; bottom: 84px; z-index: 840; border: 1px solid var(--line); background: var(--surface); color: var(--ink); border-radius: 999px;
  padding: 10px 16px; font: 600 13.5px var(--font); cursor: pointer; box-shadow: var(--shadow); transition: opacity .2s, transform .2s; }
.to-top:hover { background: var(--surface-2); border-color: var(--blue-500); color: var(--blue-500); }
.to-top[hidden] { display: inline-block; opacity: 0; transform: translateY(8px); pointer-events: none; }
body.on-care .to-top { bottom: 20px; }
.tx-acct-inline { display: none; }
@media (max-width: 640px) {
  .to-top { right: 16px; bottom: 80px; padding: 9px 14px; }
  /* Phone transaction tables: drop the Account column (shown under the description instead)
     and the reference, so date, description and amount fit without sideways scrolling. */
  .tx-table th.tx-acct, .tx-table td.tx-acct, .tx-ref { display: none; }
  .tx-acct-inline { display: inline; }
  .tx-table td, .tx-table th { padding: 10px 6px; }
  .tx-date { white-space: normal; font-size: 12.5px; width: 64px; }
  .tx-desc { min-width: 0; font-size: 14px; }
}

/* ---------- about page ---------- */
.about-story { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: center; }
.about-story h2 { font-size: 30px; }
.about-story p { color: var(--ink-2); font-size: 16px; }
.about-quote { margin: 0; background: linear-gradient(140deg, var(--navy-800), var(--navy-600)); color: #fff; border-radius: 20px; padding: 36px; position: relative; overflow: hidden; }
.about-quote::after { content: ""; position: absolute; right: -60px; bottom: -60px; width: 200px; height: 200px; border-radius: 50%; border: 36px solid rgba(224, 168, 62, .15); }
.about-quote blockquote { margin: 0 0 16px; font-size: 24px; font-weight: 700; line-height: 1.35; letter-spacing: -.01em; position: relative; z-index: 1; }
.about-quote figcaption { color: var(--gold-400); font-weight: 600; font-size: 13px; letter-spacing: .12em; text-transform: uppercase; }
.timeline { list-style: none; margin: 0; padding: 0 0 0 4px; position: relative; }
.timeline::before { content: ""; position: absolute; left: 47px; top: 8px; bottom: 8px; width: 2px; background: linear-gradient(var(--gold-400), var(--navy-600)); }
.timeline li { display: grid; grid-template-columns: 88px 1fr; gap: 20px; padding: 0 0 22px; position: relative; }
.tl-year { justify-self: center; z-index: 1; background: var(--navy-800); color: #fff; font-weight: 800; font-size: 13px; padding: 6px 10px; border-radius: 999px; height: fit-content; border: 2px solid var(--gold-400); }
.timeline h3 { font-size: 17px; margin: 4px 0 4px; }
.timeline p { color: var(--ink-2); margin: 0; }
.sayings { margin: 48px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.sayings p { margin: 0; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 24px; font-size: 19px; font-weight: 800; color: var(--ink); line-height: 1.3; position: relative; }
.sayings p::before { content: "“"; position: absolute; top: -6px; left: 14px; font-size: 54px; color: var(--gold-400); line-height: 1; }
.sayings p { padding-top: 34px; }
.region-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 16px; }
.mini-branch { display: grid; gap: 2px; padding: 10px 0; border-top: 1px solid var(--line-2); font-size: 13.5px; }
.mini-branch span { color: var(--ink-2); }

/* ---------- customer care chat ---------- */
.cb-fab { position: fixed; right: 20px; bottom: 20px; z-index: 850; display: inline-flex; align-items: center; gap: 8px; border: 0; border-radius: 999px; padding: 13px 18px; background: var(--navy-700); color: #fff; font: 600 14.5px var(--font); cursor: pointer; box-shadow: var(--shadow-lg); transition: .15s; }
.cb-fab:hover { background: var(--navy-600); transform: translateY(-1px); }
.cb-badge { background: var(--gold-500); border-radius: 999px; font-size: 11px; padding: 1px 7px; }
body.on-care .cb-fab, body.on-care .cb-panel { display: none !important; }
.cb-panel { position: fixed; right: 20px; bottom: 84px; z-index: 860; width: 380px; max-width: calc(100vw - 32px); height: min(600px, calc(100vh - 110px)); background: var(--surface); border-radius: 16px; box-shadow: var(--shadow-lg); border: 1px solid var(--line); display: none; flex-direction: column; overflow: hidden; }
.cb-panel.open { display: flex; animation: slideIn .2s ease; }
.cb-embedded { background: var(--surface); border-radius: var(--radius); box-shadow: var(--shadow); border: 1px solid var(--line); display: flex; flex-direction: column; height: calc(100vh - 160px); min-height: 460px; overflow: hidden; }
.cb-head { display: flex; align-items: center; gap: 10px; padding: 14px 16px; background: linear-gradient(120deg, var(--navy-900), var(--navy-700)); color: #fff; }
.cb-head b { font-size: 15px; }
.cb-sub { font-size: 12px; color: #a9bcd6; }
.cb-avatar { width: 36px; height: 36px; border-radius: 50%; background: rgba(224, 168, 62, .2); color: var(--gold-400); display: grid; place-items: center; flex: none; }
.cb-close { margin-left: auto; background: none; border: 0; color: #fff; font-size: 26px; line-height: 1; cursor: pointer; opacity: .8; }
.cb-log { flex: 1; overflow-y: auto; padding: 16px; background: var(--bg); display: flex; flex-direction: column; gap: 12px; }
.cb-msg { max-width: 85%; display: flex; flex-direction: column; gap: 3px; }
.cb-msg.user { align-self: flex-end; align-items: flex-end; }
.cb-who { font-size: 11px; color: var(--ink-3); padding: 0 4px; }
.cb-bubble { padding: 10px 13px; border-radius: 14px; font-size: 14px; line-height: 1.45; background: var(--surface); border: 1px solid var(--line); color: var(--ink); word-wrap: break-word; }
.cb-msg.user .cb-bubble { background: var(--navy-700); color: #fff; border-color: var(--navy-700); border-bottom-right-radius: 4px; }
.cb-msg.user .cb-bubble a { color: #fff; text-decoration: underline; }
.cb-msg.ai .cb-bubble { border-bottom-left-radius: 4px; }
.cb-msg.agent .cb-bubble { background: var(--gold-50); border-color: var(--gold-400); border-bottom-left-radius: 4px; }
.cb-msg.system { align-self: center; max-width: 100%; }
.cb-msg.system .cb-bubble { background: transparent; border: 1px dashed var(--line); color: var(--ink-3); font-size: 12.5px; }
.cb-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.cb-chips button { border: 1px solid var(--blue-500); background: var(--surface); color: var(--blue-500); border-radius: 999px; padding: 6px 12px; font: 600 12.5px var(--font); cursor: pointer; }
.cb-chips button:hover { background: var(--surface-2); }
.cb-typing { display: flex; gap: 4px; padding: 13px 14px; }
.cb-typing span { width: 7px; height: 7px; border-radius: 50%; background: var(--ink-3); animation: pulse 1.2s infinite; }
.cb-typing span:nth-child(2) { animation-delay: .2s; }
.cb-typing span:nth-child(3) { animation-delay: .4s; }
.cb-status { display: flex; gap: 8px; align-items: flex-start; background: var(--warn-bg); color: var(--warn); border-radius: 10px; padding: 10px 12px; font-size: 13px; }
.cb-status.live { background: var(--up-bg); color: var(--up); }
.cb-status svg { flex: none; margin-top: 1px; }
.cb-contact { display: grid; gap: 8px; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 12px; }
.cb-contact input { padding: 8px 10px; font-size: 14px; }
.cb-input { display: flex; gap: 8px; padding: 10px 12px; border-top: 1px solid var(--line); background: var(--surface); align-items: flex-end; }
.cb-input textarea { min-height: 40px; max-height: 120px; resize: none; padding: 9px 12px; font-size: 14px; }
.cb-foot { font-size: 11px; color: var(--ink-3); padding: 0 12px 10px; background: var(--surface); display: flex; gap: 8px; align-items: center; justify-content: space-between; }
.cb-foot > span { display: inline-flex; gap: 5px; align-items: center; }
.cb-human { flex: none; display: inline-flex; gap: 4px; align-items: center; border: 1px solid var(--line); background: var(--surface); color: var(--ink); border-radius: 999px; padding: 4px 10px; font: 600 12px var(--font); cursor: pointer; }
.cb-human:hover { border-color: var(--blue-500); color: var(--blue-500); background: var(--surface-2); }
.cb-human[hidden] { display: none; }
.cookie-banner { right: 200px; }
.chat-row { display: grid; grid-template-columns: 1fr auto; gap: 4px 10px; padding: 12px 14px; border-bottom: 1px solid var(--line-2); cursor: pointer; }
.chat-row:hover { background: var(--bg); }
.chat-row.on { background: var(--blue-50); }
.chat-row .last { grid-column: 1 / -1; font-size: 13px; color: var(--ink-2); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.care-layout { display: grid; grid-template-columns: 340px 1fr; gap: 18px; align-items: start; }
.care-layout .card { padding: 0; overflow: hidden; }
.care-thread { display: flex; flex-direction: column; height: calc(100vh - 150px); min-height: 480px; }
.care-thread .cb-log { flex: 1; }

/* ---------- responsive ---------- */
@media (max-width: 1220px) {
  .main-nav { display: none; }
  .menu-btn { display: block; }
  .main-nav.open .mobile-only { display: block !important; }
  .main-nav.open { display: grid; position: absolute; top: 74px; left: 0; right: 0; background: var(--surface); padding: 12px 16px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .site-header .container { position: relative; justify-content: space-between; }
}
@media (max-width: 1080px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-copy { order: -1; }
  .products, .news-grid { grid-template-columns: 1fr 1fr; }
  .news-feature { grid-row: auto; grid-column: span 2; min-height: 220px; }
  .habit-grid { grid-template-columns: 1fr 1fr; }
  .markets-grid, .two-col, .calc { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; gap: 32px; }
  .content-grid, .care-layout, .about-story { grid-template-columns: 1fr; }
  .region-grid { grid-template-columns: 1fr 1fr; }
  .sayings { grid-template-columns: 1fr; }
  .side-card { position: static; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .footer-cols { grid-template-columns: repeat(3, 1fr); }
  .footer-contact { grid-template-columns: 1fr 1fr; }
  .quick-links .container { grid-template-columns: repeat(3, 1fr); }
  .kpis { grid-template-columns: 1fr 1fr; }
  .shell { grid-template-columns: 1fr; }
  .sidebar { position: fixed; left: 0; top: 0; z-index: 200; width: 260px; transform: translateX(-100%); transition: transform .2s; }
  .sidebar.open { transform: none; box-shadow: var(--shadow-lg); }
  .hamburger { display: block; background: none; border: 0; cursor: pointer; padding: 4px; }
  .detail-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .topbar nav.util { display: none; }
  .footer-cols, .footer-contact { grid-template-columns: 1fr 1fr; }
  .footer-legal { grid-template-columns: 1fr; gap: 16px; }
  .region-grid { grid-template-columns: 1fr; }
  .timeline li { grid-template-columns: 70px 1fr; gap: 12px; }
  .timeline::before { left: 38px; }
  .about-quote blockquote { font-size: 20px; }
  .footer-safe { flex-wrap: wrap; padding: 16px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .fb-tag { display: none; }
  .feature-grid { grid-template-columns: 1fr; }
  .form-card { padding: 20px; }
  .cb-fab-label { display: none; }
  .cb-fab { padding: 14px; right: 16px; bottom: 16px; }
  .cb-panel { right: 16px; left: 16px; width: auto; max-width: none; bottom: 80px; height: calc(100vh - 100px); }
  .cookie-banner { right: 16px; bottom: 80px; }
  .topbar .seg a { white-space: nowrap; }
  .topbar .seg a:nth-child(n+3) { display: none; }
  .header-actions .btn-ghost { display: none; }
  .products, .news-grid, .habit-grid, .index-cards, .grid-2, .grid-3, .detail-grid { grid-template-columns: 1fr; }
  .news-feature { grid-column: auto; }
  .quick-links .container { grid-template-columns: repeat(2, 1fr); }
  .kpis { grid-template-columns: 1fr; }
  .page { padding: 18px 16px 50px; }
  .app-top { padding: 0 16px; }
  .mini-ticker { display: none; }
  .login-page { grid-template-columns: 1fr; }
  .login-art { display: none; }
  .bar-row { grid-template-columns: 90px 1fr 80px; }
  .cta-band { padding: 28px; }
  section.block { padding: 44px 0; }
}