@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@400;500;600;700&display=swap');

:root {
  --navy-950: #08111f;
  --navy-900: #0f172a;
  --navy-800: #172033;
  --navy-700: #27344d;
  --gold-600: #d49b20;
  --gold-500: #f0b83f;
  --gold-400: #f6ca6c;
  --gold-100: #fff5d6;
  --purple: #7657d6;
  --ink: #101828;
  --muted: #667085;
  --soft-muted: #98a2b3;
  --line: #e4e7ec;
  --soft-line: #eef0f3;
  --canvas: #f7f8fa;
  --surface: #ffffff;
  --success: #0f8a68;
  --success-soft: #e8f7f1;
  --danger: #d92d20;
  --danger-soft: #fef0ee;
  --warning: #b54708;
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow-sm: 0 1px 3px rgba(16, 24, 40, .08);
  --shadow: 0 18px 50px -24px rgba(16, 24, 40, .3);
  --shadow-lg: 0 30px 80px -38px rgba(8, 17, 31, .5);
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--surface);
  font-family: 'IBM Plex Sans', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
button, input, select, textarea { font: inherit; }
button, a { touch-action: manipulation; }
button, a { -webkit-tap-highlight-color: transparent; }
button, a { touch-action: manipulation; }
button { color: inherit; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
h1, h2, h3, h4, p { margin: 0; }
h1, h2, h3 { line-height: 1.12; letter-spacing: -.035em; }
ul { margin: 0; padding: 0; list-style: none; }

:focus-visible { outline: 3px solid rgba(240, 184, 63, .55); outline-offset: 3px; }
.skip-link { position: fixed; z-index: 200; left: 16px; top: 12px; padding: 10px 14px; border-radius: 9px; color: #fff; background: var(--navy-950); transform: translateY(-160%); transition: transform .15s; font-weight: 700; }
.skip-link:focus { transform: translateY(0); }
.wrap { width: min(100% - 40px, var(--max)); margin-inline: auto; }
.page-section { padding: 100px 0; }
.page-section.compact { padding: 72px 0; }
.page-section.soft { background: var(--canvas); }
.page-section.dark { color: #fff; background: var(--navy-950); }
.center { text-align: center; }
.muted { color: var(--muted); }
.hide { display: none !important; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  color: #805c0c; font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
}
.eyebrow::before { content: ''; width: 18px; height: 2px; background: var(--gold-500); }
.dark .eyebrow { color: var(--gold-400); }
.display { max-width: 820px; font-size: clamp(2.55rem, 6vw, 5.2rem); font-weight: 600; }
.section-title { font-size: clamp(2rem, 4vw, 3.35rem); font-weight: 600; }
.section-lead { max-width: 660px; margin-top: 18px; color: var(--muted); font-size: 1.08rem; }
.section-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 32px; margin-bottom: 42px; }
.section-head .section-lead { margin-bottom: 4px; }

/* Shared brand and navigation */
.site-header {
  position: sticky; z-index: 50; top: 0;
  border-bottom: 1px solid rgba(228, 231, 236, .85);
  background: rgba(255, 255, 255, .9); backdrop-filter: blur(18px);
}
.header-row { height: 72px; display: flex; align-items: center; gap: 30px; }
.brand { display: inline-flex; align-items: center; gap: 11px; font-size: 1.05rem; font-weight: 700; letter-spacing: -.02em; }
.brand-money { margin-left: 3px; color: #8a640d; }
.brand-mark { width: 34px; height: 34px; display: grid; grid-template-columns: 1fr 1fr; gap: 3px; padding: 7px; border-radius: 10px; background: var(--navy-950); transform: rotate(45deg); }
.brand-mark i { display: block; border-radius: 3px; background: var(--gold-500); }
.brand-mark i:first-child { height: 60%; align-self: end; }
.brand-mark i:last-child { height: 100%; }
.desktop-nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.desktop-nav a, .text-link { min-height: 44px; display: inline-flex; align-items: center; padding: 0 13px; border-radius: 10px; color: #475467; font-size: .92rem; font-weight: 600; transition: color .2s, background .2s; }
.desktop-nav a:hover, .desktop-nav a.active, .text-link:hover { color: var(--ink); background: var(--canvas); }
.header-actions { display: flex; align-items: center; gap: 6px; }
.auth-actions.is-loading { min-width: 224px; pointer-events: none; }
.auth-action-skeleton { width: 134px; height: 42px; display: block; border-radius: 11px; background: linear-gradient(100deg,#eef0f3 20%,#f8f9fa 42%,#eef0f3 64%); background-size: 220% 100%; animation: auth-action-loading 1.25s ease-in-out infinite; }
.auth-action-skeleton.compact { width: 78px; }
.nav-signout-form { min-width: 0; margin: 0; }
.nav-signout-button { border: 0; background: transparent; cursor: pointer; }
.mobile-menu-actions .nav-signout-form,.mobile-menu-actions .nav-signout-form .btn { width: 100%; }
.mobile-menu-actions.auth-actions.is-loading { min-width: 0; }
.mobile-menu-actions .auth-action-skeleton { width: 100%; }
.session-aware-cta.is-loading { visibility: hidden; }
@keyframes auth-action-loading { to { background-position-x: -220%; } }
.menu-button { display: none; width: 46px; height: 46px; padding: 11px; border: 1px solid var(--line); border-radius: 12px; background: #fff; cursor: pointer; }
.menu-button svg { width: 100%; height: 100%; }
.mobile-menu { display: none; border-top: 1px solid var(--line); background: #fff; }
.mobile-menu.open { display: block; }
.mobile-menu .wrap { padding: 12px 0 22px; }
.mobile-menu a:not(.btn) { display: block; min-height: 48px; padding: 12px 4px; border-bottom: 1px solid var(--soft-line); font-weight: 600; }
.mobile-menu-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 16px; }

/* Controls */
.btn {
  min-height: 48px; display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  padding: 0 21px; border: 1px solid transparent; border-radius: 12px;
  font-weight: 700; font-size: .94rem; cursor: pointer; white-space: nowrap;
  transition: transform .2s, box-shadow .2s, background .2s, border-color .2s, color .2s;
}
.btn svg { width: 18px; height: 18px; }
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn:disabled { opacity: .55; cursor: not-allowed; transform: none; }
.btn-primary { color: var(--navy-950); background: var(--gold-500); box-shadow: 0 12px 25px -16px rgba(212, 155, 32, .9); }
.btn-primary:hover { background: var(--gold-400); box-shadow: 0 16px 30px -16px rgba(212, 155, 32, 1); }
.btn-secondary { color: var(--ink); border-color: var(--line); background: #fff; }
.btn-secondary:hover { background: var(--canvas); border-color: #cfd4dc; }
.btn-dark { color: #fff; background: var(--navy-950); }
.btn-dark:hover { background: var(--navy-800); }
.btn-ghost { min-height: 44px; color: #475467; background: transparent; }
.btn-ghost:hover { background: var(--canvas); }
.btn-danger { color: var(--danger); border-color: #fecdca; background: #fff; }
.btn-sm { min-height: 42px; padding: 0 17px; font-size: .9rem; }
.btn-block { width: 100%; }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; }
.icon-button { width: 44px; height: 44px; display: grid; place-items: center; padding: 11px; border: 1px solid var(--line); border-radius: 12px; background: #fff; cursor: pointer; transition: background .2s, border-color .2s; }
.icon-button:hover { background: var(--canvas); border-color: #cfd4dc; }
.icon-button svg { width: 100%; height: 100%; }
.text-action { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; color: #79570d; font-weight: 700; }
.text-action svg { width: 18px; }

/* Marketing home */
.hero { overflow: hidden; color: #fff; background: var(--navy-950); }
.hero-grid { min-height: 700px; display: grid; grid-template-columns: 1.06fr .94fr; align-items: center; gap: 68px; padding: 74px 0 86px; }
.hero .eyebrow { margin-bottom: 26px; }
.hero-copy .display { max-width: 720px; }
.hero-copy .display em { color: var(--gold-400); font-style: normal; }
.hero-copy > p { max-width: 600px; margin-top: 24px; color: #b8c0ce; font-size: 1.16rem; }
.hero-copy .button-row { margin-top: 34px; }
.hero .btn-secondary { color: #fff; border-color: #384359; background: rgba(255, 255, 255, .04); }
.hero-notes { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 32px; color: #aab4c4; font-size: .86rem; }
.hero-notes span { display: inline-flex; align-items: center; gap: 7px; }
.hero-notes svg { width: 17px; color: var(--gold-400); }
.app-preview { position: relative; max-width: 490px; margin-left: auto; padding: 16px; border: 1px solid #3a4558; border-radius: 28px; background: #111c2d; box-shadow: 0 48px 110px -48px #000; transform: rotate(1.5deg); }
.app-preview::before { content: ''; position: absolute; z-index: -1; width: 330px; height: 330px; right: -110px; top: -80px; border-radius: 50%; background: rgba(240, 184, 63, .16); filter: blur(20px); }
.app-screen { overflow: hidden; border-radius: 18px; color: var(--ink); background: #f7f8fa; }
.preview-top { display: flex; align-items: center; justify-content: space-between; padding: 20px; }
.preview-user { display: flex; align-items: center; gap: 11px; }
.avatar { width: 40px; height: 40px; display: grid; place-items: center; flex: none; border-radius: 50%; color: #fff; background: var(--navy-900); font-weight: 700; }
.preview-user small { display: block; color: var(--muted); }
.preview-balance { margin: 2px 16px 14px; padding: 28px; border-radius: 18px; color: #fff; background: var(--navy-950); }
.preview-balance small { color: #aab4c4; }
.preview-balance strong { display: block; margin: 7px 0 18px; font-size: 2.2rem; letter-spacing: -.04em; }
.preview-balance-row { display: flex; align-items: center; justify-content: space-between; color: #cad0da; font-size: .82rem; }
.preview-balance-row span:first-child { color: #76d6b7; }
.preview-actions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; padding: 2px 16px 20px; }
.preview-action { text-align: center; color: #475467; font-size: .72rem; }
.preview-action i { width: 42px; height: 42px; display: grid; place-items: center; margin: 0 auto 7px; border: 1px solid var(--line); border-radius: 13px; color: var(--navy-900); background: #fff; }
.preview-action svg { width: 18px; }
.preview-transactions { margin: 0 16px 18px; padding: 18px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.preview-section-head { display: flex; justify-content: space-between; margin-bottom: 12px; font-size: .8rem; }
.preview-tx { display: flex; align-items: center; gap: 10px; padding: 10px 0; border-top: 1px solid var(--soft-line); }
.preview-tx:first-of-type { border: 0; }
.merchant { width: 36px; height: 36px; display: grid; place-items: center; flex: none; border-radius: 10px; background: var(--canvas); font-size: .76rem; font-weight: 700; }
.preview-tx p { flex: 1; font-size: .8rem; font-weight: 600; }
.preview-tx small { display: block; color: var(--muted); font-weight: 400; }
.preview-tx strong { font-size: .8rem; }

.proof-bar { border-bottom: 1px solid var(--line); background: #fff; }
.proof-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.proof-item { padding: 28px 30px; border-right: 1px solid var(--line); }
.proof-item:first-child { padding-left: 0; }
.proof-item:last-child { border: 0; }
.proof-item strong { display: block; color: var(--navy-950); font-size: 1.15rem; }
.proof-item span { color: var(--muted); font-size: .83rem; }

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.feature-card { min-height: 320px; display: flex; flex-direction: column; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: #fff; transition: transform .22s, box-shadow .22s, border-color .22s; }
.feature-card:hover { transform: translateY(-4px); border-color: #d1d5dc; box-shadow: var(--shadow); }
.feature-icon { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 14px; color: var(--navy-950); background: var(--gold-100); }
.feature-icon svg { width: 22px; }
.feature-card h3 { margin-top: auto; font-size: 1.35rem; }
.feature-card p { margin-top: 12px; color: var(--muted); }
.feature-card .text-action { margin-top: 18px; }

.split { display: grid; grid-template-columns: 1fr 1fr; align-items: center; gap: 90px; }
.split-copy .section-lead { margin-bottom: 28px; }
.check-list { display: grid; gap: 17px; margin-top: 26px; }
.check-list li { display: flex; align-items: flex-start; gap: 12px; color: #344054; }
.check-list i { width: 24px; height: 24px; display: grid; place-items: center; flex: none; margin-top: 1px; border-radius: 50%; color: #fff; background: var(--success); }
.check-list svg { width: 14px; }
.phone-shell { max-width: 390px; margin: auto; padding: 12px; border-radius: 42px; background: var(--navy-950); box-shadow: var(--shadow-lg); }
.phone-screen { overflow: hidden; min-height: 580px; padding: 22px; border-radius: 32px; background: #f7f8fa; }
.phone-notch { width: 104px; height: 22px; margin: -13px auto 20px; border-radius: 0 0 15px 15px; background: var(--navy-950); }
.phone-balance { margin-top: 22px; padding: 24px; border-radius: 20px; color: #fff; background: var(--navy-950); }
.phone-balance strong { display: block; margin-top: 6px; font-size: 1.9rem; }
.spending-ring { width: 156px; height: 156px; display: grid; place-items: center; margin: 30px auto; border-radius: 50%; background: conic-gradient(var(--gold-500) 0 68%, #e7e9ee 68% 100%); }
.spending-ring::before { content: '$1,940 left'; width: 116px; height: 116px; display: grid; place-items: center; border-radius: 50%; background: #fff; font-weight: 700; }
.budget-rows { display: grid; gap: 14px; }
.budget-row { display: grid; grid-template-columns: 1fr auto; gap: 8px; font-size: .82rem; }
.budget-row div { grid-column: 1 / -1; height: 6px; border-radius: 4px; background: #e7e9ee; }
.budget-row div i { display: block; height: 100%; border-radius: inherit; background: var(--gold-500); }

.card-stage { display: grid; grid-template-columns: 1.1fr .9fr; align-items: center; gap: 70px; padding: 72px; border-radius: 32px; background: #f2efe8; }
.credit-card { position: relative; overflow: hidden; width: min(100%, 440px); aspect-ratio: 1.586; padding: 28px; border-radius: 22px; color: #fff; background: #10141d; box-shadow: 0 38px 70px -28px rgba(8, 17, 31, .65); transform: rotate(-4deg); }
.credit-card::after { content: ''; position: absolute; width: 260px; height: 260px; right: -100px; bottom: -140px; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; box-shadow: 0 0 0 30px rgba(255,255,255,.035), 0 0 0 60px rgba(255,255,255,.025); }
.credit-card.aura { color: var(--navy-950); background: #e2d4bc; }
.credit-card.reserve { background: #563fa4; }
.card-brand { display: flex; align-items: center; justify-content: space-between; font-weight: 700; }
.card-chip { width: 45px; height: 34px; margin-top: 38px; border-radius: 8px; background: linear-gradient(135deg, #f6dfa0, #b98c27); }
.card-number { margin-top: 28px; font-size: 1.18rem; letter-spacing: .12em; }
.card-meta { display: flex; justify-content: space-between; margin-top: 22px; font-size: .75rem; text-transform: uppercase; }
.card-meta small { display: block; margin-bottom: 2px; opacity: .6; }
.card-copy h2 { max-width: 520px; }
.card-copy .button-row { margin-top: 30px; }

.security-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 70px; align-items: start; }
.security-image { min-height: 390px; overflow: hidden; border-radius: 30px; background: var(--navy-900); box-shadow: var(--shadow-lg); }
.security-image img { width: 100%; height: 100%; min-height: 390px; display: block; object-fit: cover; object-position: 52% center; }
.security-list { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 32px; }
.security-item { padding: 22px; border: 1px solid var(--line); border-radius: 16px; }
.security-item h3 { font-size: 1rem; letter-spacing: -.01em; }
.security-item p { margin-top: 7px; color: var(--muted); font-size: .88rem; }

.cta-band { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 52px 58px; border-radius: 28px; color: #fff; background: var(--navy-950); }
.cta-band h2 { max-width: 620px; font-size: clamp(1.8rem, 4vw, 3rem); }
.cta-band p { margin-top: 12px; color: #aab4c4; }

/* Product and content pages */
.page-hero { padding: 92px 0; color: #fff; background: var(--navy-950); }
.page-hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 70px; }
.page-hero .display { font-size: clamp(2.45rem, 5vw, 4.6rem); }
.page-hero p { max-width: 620px; margin-top: 24px; color: #b8c0ce; font-size: 1.1rem; }
.page-hero .button-row { margin-top: 32px; }
.product-visual { position: relative; min-height: 430px; display: grid; place-items: center; }
.account-stack { width: min(100%, 430px); display: grid; gap: 12px; }
.account-tile { display: flex; align-items: center; gap: 14px; padding: 22px; border: 1px solid #3b4557; border-radius: 18px; background: var(--navy-800); box-shadow: 0 22px 50px -30px #000; }
.account-tile:nth-child(2) { margin-left: 32px; }
.account-tile:nth-child(3) { margin-left: 64px; }
.account-tile i { width: 44px; height: 44px; display: grid; place-items: center; flex: none; border-radius: 14px; color: var(--navy-950); background: var(--gold-500); }
.account-tile svg { width: 21px; }
.account-tile p { flex: 1; margin: 0; color: #fff; font-size: .9rem; font-weight: 600; }
.account-tile small { display: block; color: #9aa5b6; font-weight: 400; }
.account-tile strong { font-size: 1.06rem; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; overflow: hidden; border: 1px solid var(--line); border-radius: 22px; background: var(--line); }
.step { padding: 32px; background: #fff; }
.step span { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 50%; color: var(--navy-950); background: var(--gold-500); font-weight: 700; }
.step h3 { margin-top: 26px; font-size: 1.2rem; }
.step p { margin-top: 10px; color: var(--muted); }
.compare-table { overflow: auto; border: 1px solid var(--line); border-radius: 20px; background: #fff; }
.compare-table table { width: 100%; border-collapse: collapse; min-width: 720px; }
.compare-table th, .compare-table td { padding: 19px 22px; border-bottom: 1px solid var(--line); text-align: left; }
.compare-table th { color: #475467; background: var(--canvas); font-size: .8rem; letter-spacing: .06em; text-transform: uppercase; }
.compare-table tr:last-child td { border: 0; }
.compare-table td:not(:first-child) { font-weight: 600; }
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card-product { padding: 24px; border: 1px solid var(--line); border-radius: 24px; background: #fff; }
.card-product .credit-card { width: 100%; padding: 20px; border-radius: 16px; transform: none; box-shadow: 0 24px 45px -26px rgba(8,17,31,.6); }
.card-product .card-chip { width: 36px; height: 27px; margin-top: 22px; }
.card-product .card-number { margin-top: 18px; font-size: .82rem; }
.card-product .card-meta { margin-top: 13px; font-size: .58rem; }
.card-product h3 { margin-top: 26px; font-size: 1.4rem; }
.card-product > p { min-height: 76px; margin-top: 10px; color: var(--muted); }
.card-product .price-line { display: flex; align-items: flex-end; gap: 5px; min-height: auto; margin: 24px 0 18px; color: var(--ink); }
.price-line strong { font-size: 1.65rem; }
.price-line span { margin-bottom: 4px; color: var(--muted); font-size: .84rem; }
.benefits { display: grid; gap: 12px; margin: 18px 0 24px; }
.benefits li { display: flex; align-items: flex-start; gap: 9px; font-size: .9rem; }
.benefits svg { width: 16px; margin-top: 4px; color: var(--success); }
.calc-card { padding: 34px; border: 1px solid var(--line); border-radius: 22px; background: #fff; box-shadow: var(--shadow-sm); }
.calc-result { padding: 24px; border-radius: 18px; background: var(--navy-950); color: #fff; }
.calc-result small { color: #aab4c4; }
.calc-result strong { display: block; margin-top: 6px; font-size: 2rem; }
.content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.content-card { padding: 30px; border: 1px solid var(--line); border-radius: 20px; }
.content-card h3 { font-size: 1.25rem; }
.content-card p { margin-top: 10px; color: var(--muted); }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; }
.contact-list { display: grid; gap: 16px; margin-top: 30px; }
.contact-method { display: flex; gap: 14px; padding: 18px; border: 1px solid var(--line); border-radius: 16px; }
.contact-method i { width: 42px; height: 42px; display: grid; place-items: center; flex: none; border-radius: 12px; background: var(--gold-100); }
.contact-method svg { width: 20px; }
.contact-method small { display: block; color: var(--muted); }

/* Forms and auth */
.form-card { padding: 34px; border: 1px solid var(--line); border-radius: 22px; background: #fff; box-shadow: var(--shadow-sm); }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 7px; margin-top: 18px; }
.field:first-child { margin-top: 0; }
.field label, label.field > span { color: #344054; font-size: .88rem; font-weight: 600; }
.field input, .field select, .field textarea, input.input, select.input {
  width: 100%; min-height: 48px; padding: 11px 13px; border: 1px solid #d0d5dd; border-radius: 11px; color: var(--ink); background: #fff; outline: none; transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus, input.input:focus, select.input:focus { border-color: var(--gold-600); box-shadow: 0 0 0 4px rgba(240, 184, 63, .15); }
.field small { color: var(--muted); }
.pin-input { font-variant-numeric: tabular-nums; letter-spacing: .42em; }
.pin-security-note { margin-top: 18px; padding: 14px; border: 1px solid #c9e8dd; border-radius: 11px; color: #075e49; background: var(--success-soft); }
.pin-security-note strong { font-size: .82rem; }
.pin-security-note p { margin-top: 4px; color: #276b5a; font-size: .76rem; }
.transfer-pin-field { padding-top: 18px; border-top: 1px solid var(--soft-line); }
.transfer-pin-setup { margin-bottom: 18px; }
.password-field { position: relative; }
.password-field input { padding-right: 50px; }
.password-toggle { position: absolute; right: 4px; top: 2px; width: 44px; height: 44px; display: grid; place-items: center; padding: 12px; border: 0; background: transparent; cursor: pointer; color: #667085; }
.password-toggle svg { width: 20px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; margin-top: 18px; font-size: .88rem; }
.checkbox-row input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--gold-600); }
.form-error { margin-top: 14px; padding: 12px 14px; border-radius: 10px; color: var(--danger); background: var(--danger-soft); font-size: .88rem; }
.auth-page { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; background: var(--canvas); }
.auth-brand { position: relative; overflow: hidden; display: flex; flex-direction: column; justify-content: space-between; padding: 46px; color: #fff; background: var(--navy-950); }
.auth-brand::after { content: ''; position: absolute; width: 520px; height: 520px; right: -260px; bottom: -210px; border: 1px solid #364156; border-radius: 50%; box-shadow: 0 0 0 55px rgba(255,255,255,.025), 0 0 0 110px rgba(255,255,255,.018); }
.auth-brand .brand { align-self: flex-start; }
.auth-brand .brand-mark { background: #fff; }
.auth-brand .brand-money { color: var(--gold-400); }
.auth-quote { position: relative; z-index: 1; max-width: 560px; }
.auth-quote h1 { font-size: clamp(2.1rem, 4vw, 3.8rem); }
.auth-quote p { margin-top: 20px; color: #b8c0ce; font-size: 1.08rem; }
.auth-trust { position: relative; z-index: 1; display: flex; flex-wrap: wrap; gap: 20px; color: #9ca7b8; font-size: .82rem; }
.auth-trust span { display: inline-flex; align-items: center; gap: 7px; }
.auth-trust svg { width: 16px; color: var(--gold-400); }
.auth-main { display: grid; place-items: center; padding: 44px 24px; }
.auth-box { width: min(100%, 450px); }
.auth-box > a { display: inline-flex; margin-bottom: 36px; color: var(--muted); font-weight: 600; }
.auth-box h2 { font-size: 2rem; }
.auth-box > p { margin-top: 10px; color: var(--muted); }
.auth-box form { margin-top: 30px; }
.auth-foot { margin-top: 24px; text-align: center; color: var(--muted); font-size: .9rem; }
.auth-foot a, .inline-link { color: #78550a; font-weight: 700; }

/* FAQ and legal */
.faq-list { max-width: 820px; margin: 0 auto; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-button { width: 100%; min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 20px 0; border: 0; text-align: left; background: transparent; cursor: pointer; font-weight: 700; }
.faq-button span:last-child { width: 28px; height: 28px; display: grid; place-items: center; flex: none; border-radius: 50%; background: var(--canvas); transition: transform .2s; }
.faq-button svg { width: 16px; }
.faq-item.open .faq-button span:last-child { transform: rotate(45deg); }
.faq-answer { display: none; max-width: 700px; padding: 0 0 24px; color: var(--muted); }
.faq-item.open .faq-answer { display: block; }
.legal-layout { display: grid; grid-template-columns: 240px 1fr; align-items: start; gap: 60px; }
.legal-nav { position: sticky; top: 96px; display: grid; gap: 4px; }
.legal-nav a { padding: 10px 12px; border-radius: 9px; color: var(--muted); font-size: .9rem; font-weight: 600; }
.legal-nav a:hover { color: var(--ink); background: var(--canvas); }
.legal-copy { max-width: 760px; }
.legal-copy section { scroll-margin-top: 100px; padding-bottom: 46px; margin-bottom: 46px; border-bottom: 1px solid var(--line); }
.legal-copy h2 { font-size: 1.7rem; }
.legal-copy h3 { margin-top: 26px; letter-spacing: -.01em; }
.legal-copy p, .legal-copy li { margin-top: 12px; color: #475467; }
.legal-copy ul { padding-left: 20px; list-style: disc; }

/* Dashboard shell */
.dash-body { min-height: 100vh; overflow-x: hidden; background: var(--canvas); }
.dash-shell { min-height: 100vh; display: grid; grid-template-columns: 250px 1fr; }
.dash-sidebar { position: fixed; z-index: 60; inset: 0 auto 0 0; width: 250px; display: flex; flex-direction: column; padding: 22px 14px; color: #fff; background: var(--navy-950); }
.dash-sidebar .brand { padding: 0 10px 22px; }
.dash-sidebar .brand-money { color: var(--gold-400); }
.dash-sidebar .brand-mark { background: #fff; }
.dash-nav { overflow-y: auto; display: grid; gap: 3px; padding-right: 2px; }
.dash-nav-label { padding: 20px 12px 7px; color: #69758a; font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.dash-nav a { min-height: 44px; display: flex; align-items: center; gap: 12px; padding: 10px 12px; border-radius: 10px; color: #aeb7c6; font-size: .87rem; font-weight: 600; transition: color .18s, background .18s; }
.dash-nav a:hover { color: #fff; background: rgba(255,255,255,.05); }
.dash-nav a.active { color: var(--navy-950); background: var(--gold-500); }
.dash-nav a svg { width: 18px; height: 18px; }
.dash-side-user { display: flex; align-items: center; gap: 10px; margin-top: auto; padding: 16px 10px 4px; border-top: 1px solid #273248; }
.dash-side-user .avatar { width: 36px; height: 36px; color: var(--navy-950); background: var(--gold-500); font-size: .78rem; }
.dash-side-user p { min-width: 0; flex: 1; font-size: .8rem; font-weight: 600; }
.dash-side-user small { overflow: hidden; display: block; color: #768296; font-weight: 400; text-overflow: ellipsis; white-space: nowrap; }
.dash-side-user form { margin: 0; }
.dash-side-user a, .signout-button { width: 36px; height: 36px; display: grid; place-items: center; padding: 0; border: 0; border-radius: 9px; color: #9ca7b8; background: transparent; cursor: pointer; }
.signout-button:hover { color: #fff; background: rgba(255,255,255,.06); }
.dash-side-user svg { width: 18px; }
.dash-content { grid-column: 2; min-width: 0; }
.dash-topbar { position: sticky; z-index: 40; top: 0; height: 72px; display: flex; align-items: center; gap: 16px; padding: 0 32px; border-bottom: 1px solid var(--line); background: rgba(247, 248, 250, .9); backdrop-filter: blur(15px); }
.dash-menu { display: none; }
.dash-search { position: relative; width: min(360px, 40vw); }
.dash-search svg { position: absolute; width: 18px; left: 13px; top: 13px; color: var(--soft-muted); }
.dash-search input { width: 100%; height: 44px; padding: 0 14px 0 40px; border: 1px solid var(--line); border-radius: 11px; background: #fff; outline: 0; }
.dash-search input:focus { border-color: var(--gold-600); box-shadow: 0 0 0 4px rgba(240,184,63,.13); }
.dash-top-actions { display: flex; align-items: center; gap: 9px; margin-left: auto; }
.dash-greeting { display: flex; align-items: center; gap: 10px; margin-left: 6px; }
.dash-greeting .avatar { width: 38px; height: 38px; font-size: .78rem; }
.dash-greeting p { font-size: .82rem; font-weight: 700; }
.dash-greeting small { display: block; color: var(--muted); font-weight: 400; }
.dash-main { width: min(100%, 1440px); margin: 0 auto; padding: 34px 32px 60px; }
.view-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 28px; }
.view-head h1 { font-size: 1.75rem; }
.view-head p { margin-top: 7px; color: var(--muted); }
.dash-grid { display: grid; gap: 18px; }
.dash-grid.g2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
.dash-grid.g3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.dash-grid.g4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
.dash-grid.layout { grid-template-columns: minmax(0,1.45fr) minmax(330px,.75fr); }
.dash-panel { min-width: 0; padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: var(--shadow-sm); }
.dash-panel.dark { color: #fff; background: var(--navy-950); border-color: var(--navy-950); }
.panel-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; margin-bottom: 20px; }
.panel-head h2 { font-size: 1.05rem; letter-spacing: -.015em; }
.panel-head p { margin-top: 4px; color: var(--muted); font-size: .82rem; }
.panel-head a, .panel-head button.link { min-height: 36px; border: 0; color: #76540a; background: transparent; cursor: pointer; font-size: .82rem; font-weight: 700; }
.balance-panel { position: relative; overflow: hidden; min-height: 205px; display: flex; flex-direction: column; justify-content: space-between; }
.balance-panel::after { content: ''; position: absolute; width: 210px; height: 210px; right: -90px; bottom: -120px; border: 1px solid #344054; border-radius: 50%; box-shadow: 0 0 0 35px rgba(255,255,255,.025); }
.balance-top { display: flex; justify-content: space-between; position: relative; z-index: 1; }
.balance-top span { color: #9ca7b8; font-size: .83rem; }
.balance-total { position: relative; z-index: 1; }
.balance-total strong { display: block; font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -.045em; }
.balance-total span { color: #7ed8ba; font-size: .82rem; }
.balance-actions { position: relative; z-index: 1; display: flex; gap: 9px; margin-top: 20px; }
.balance-actions a { min-height: 38px; display: inline-flex; align-items: center; gap: 7px; padding: 0 13px; border-radius: 9px; color: #fff; background: rgba(255,255,255,.09); font-size: .78rem; font-weight: 600; }
.balance-actions svg { width: 15px; }
.stat-card { padding: 20px; }
.stat-label { display: flex; align-items: center; justify-content: space-between; color: var(--muted); font-size: .8rem; }
.stat-label i { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 10px; color: #76540a; background: var(--gold-100); }
.stat-label svg { width: 17px; }
.stat-value { display: block; margin-top: 18px; font-size: 1.55rem; letter-spacing: -.03em; }
.stat-meta { display: block; margin-top: 4px; color: var(--muted); font-size: .76rem; }
.positive { color: var(--success) !important; }
.negative { color: var(--danger) !important; }
.quick-actions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.quick-action { min-height: 96px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 9px; padding: 12px; border: 1px solid var(--line); border-radius: 13px; background: #fff; cursor: pointer; transition: border-color .2s, background .2s, transform .2s; font-size: .78rem; font-weight: 600; }
.quick-action:hover { transform: translateY(-2px); border-color: #d0aa4b; background: #fffdf7; }
.quick-action i { width: 36px; height: 36px; display: grid; place-items: center; border-radius: 10px; color: var(--navy-950); background: var(--gold-100); }
.quick-action svg { width: 17px; }
.account-list { display: grid; gap: 10px; }
.account-row { display: flex; align-items: center; gap: 13px; padding: 14px; border: 1px solid var(--line); border-radius: 13px; }
.account-row > i { width: 40px; height: 40px; display: grid; place-items: center; flex: none; border-radius: 12px; color: #fff; background: var(--navy-900); }
.account-row > i.gold { color: var(--navy-950); background: var(--gold-500); }
.account-row svg { width: 18px; }
.account-row p { min-width: 0; flex: 1; font-size: .88rem; font-weight: 600; }
.account-row small { display: block; color: var(--muted); font-weight: 400; }
.account-row strong { font-size: .95rem; }
.account-balance { display: block; font-size: 2rem; letter-spacing: -.04em; }
.account-balance-label { display: block; margin-top: 2px; font-size: .78rem; }
.account-identifiers { display: grid; gap: 9px; margin-top: 20px; padding: 12px; border: 1px solid var(--line); border-radius: 13px; background: var(--canvas); }
.identifier-row { min-width: 0; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.identifier-row > span { min-width: 0; }
.identifier-row small { display: block; color: var(--muted); font-size: .66rem; font-weight: 600; letter-spacing: .045em; text-transform: uppercase; }
.identifier-row strong { display: block; margin-top: 3px; overflow-wrap: anywhere; font-size: .82rem; font-variant-numeric: tabular-nums; letter-spacing: .035em; }
.identifier-row button { min-width: 54px; min-height: 44px; flex: none; border: 1px solid var(--line); border-radius: 9px; color: #76540a; background: #fff; cursor: pointer; font-size: .7rem; font-weight: 700; }
.identifier-row button:hover { border-color: #d0aa4b; background: #fffdf7; }
.account-detail-note { margin-top: 8px; color: var(--muted); font-size: .72rem; }
.account-summary { margin-top: 20px; }
.activity-list { display: grid; }
.activity-item { display: grid; grid-template-columns: 42px minmax(0,1fr) auto; align-items: center; gap: 12px; padding: 13px 0; border-bottom: 1px solid var(--soft-line); }
.activity-item:last-child { border: 0; }
.activity-icon { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 12px; color: var(--navy-900); background: var(--canvas); font-size: .72rem; font-weight: 700; }
.activity-icon.in { color: var(--success); background: var(--success-soft); }
.activity-copy { min-width: 0; }
.activity-copy p { overflow: hidden; font-size: .86rem; font-weight: 600; text-overflow: ellipsis; white-space: nowrap; }
.activity-copy span { color: var(--muted); font-size: .75rem; }
.activity-amount { text-align: right; font-size: .86rem; font-weight: 700; }
.activity-amount small { display: block; color: var(--muted); font-size: .7rem; font-weight: 400; text-transform: capitalize; }
.activity-item button.link { min-height: 36px; padding: 0; border: 0; color: #76540a; background: transparent; cursor: pointer; font-size: .76rem; font-weight: 700; }
.chart-wrap { position: relative; height: 230px; }
.chart-wrap svg { width: 100%; height: 100%; overflow: visible; }
.chart-gridline { stroke: #eef0f3; stroke-width: 1; }
.chart-line { fill: none; stroke: var(--gold-600); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; }
.chart-area { fill: url(#cashGradient); opacity: .34; }
.chart-label { fill: #98a2b3; font-size: 11px; }
.donut-layout { display: flex; align-items: center; gap: 28px; }
.donut { width: 150px; height: 150px; flex: none; border-radius: 50%; background: conic-gradient(var(--gold-500) 0 34%, #7657d6 34% 56%, #1b8f6e 56% 76%, #d66565 76% 89%, #dce0e6 89% 100%); position: relative; }
.donut::after { content: '$3,420'; position: absolute; inset: 29px; display: grid; place-items: center; border-radius: 50%; background: #fff; font-size: .95rem; font-weight: 700; }
.legend { display: grid; gap: 9px; font-size: .78rem; }
.legend span { display: flex; align-items: center; gap: 8px; color: var(--muted); }
.legend i { width: 9px; height: 9px; border-radius: 3px; }
.bank-card-mini { position: relative; overflow: hidden; width: 100%; aspect-ratio: 1.586; display: flex; flex-direction: column; justify-content: space-between; padding: 22px; border-radius: 18px; color: #fff; background: var(--navy-950); box-shadow: 0 22px 45px -28px rgba(8,17,31,.7); }
.bank-card-mini.gold { color: var(--navy-950); background: #dfc89e; }
.bank-card-mini.purple { background: #563fa4; }
.bank-card-mini.visa { background: #102c64; }
.bank-card-mini.mastercard { background: #18191d; }
.bank-card-mini.amex { background: #176b72; }
.bank-card-mini::after { content: ''; position: absolute; width: 150px; height: 150px; right: -64px; bottom: -86px; border: 1px solid rgba(255,255,255,.16); border-radius: 50%; box-shadow: 0 0 0 24px rgba(255,255,255,.035); }
.bank-card-mini .top, .bank-card-mini .bottom { display: flex; justify-content: space-between; align-items: flex-start; }
.bank-card-mini .top strong { font-size: .85rem; }
.bank-card-mini .chip { width: 35px; height: 27px; border-radius: 7px; background: linear-gradient(135deg,#f6dfa0,#ae7f21); }
.bank-card-mini .number { position: relative; z-index: 1; font-size: clamp(.75rem, 1.1vw, .94rem); letter-spacing: .09em; font-variant-numeric: tabular-nums; white-space: nowrap; }
.bank-card-mini small { opacity: .66; }
.network-mark { max-width: 42%; text-align: right; font-size: .68rem; font-weight: 700; letter-spacing: .06em; }
.full-card-detail { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0,1fr) auto auto; align-items: end; gap: 12px; text-transform: uppercase; }
.full-card-detail > span { min-width: 0; display: flex; flex-direction: column; gap: 3px; line-height: 1.1; }
.full-card-detail small { display: block; font-size: .5rem; font-weight: 500; letter-spacing: .06em; }
.full-card-detail b { display: block; overflow: hidden; font-size: .64rem; font-weight: 650; letter-spacing: .025em; text-overflow: ellipsis; white-space: nowrap; }
.card-security-label { position: absolute; right: 15px; bottom: 9px; z-index: 1; opacity: .58; font-size: .5rem; letter-spacing: .05em; text-transform: uppercase; }
.card-account-group + .card-account-group { margin-top: 34px; padding-top: 34px; border-top: 1px solid var(--line); }
.card-account-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: 18px; }
.card-account-head h2 { margin-top: 8px; font-size: 1.35rem; }
.card-account-head p { margin-top: 5px; color: var(--muted); font-size: .82rem; }
.card-record { display: flex; flex-direction: column; }
.card-record .card-actions { margin-top: auto; padding-top: 6px; }
.card-actions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 14px; }
.card-actions button { min-height: 42px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; font-size: .75rem; font-weight: 600; }
.card-actions button:hover { background: var(--canvas); }
.tag { display: inline-flex; align-items: center; min-height: 25px; padding: 2px 9px; border-radius: 20px; background: var(--canvas); color: #475467; font-size: .7rem; font-weight: 600; text-transform: capitalize; }
.tag.success { color: var(--success); background: var(--success-soft); }
.tag.warning { color: var(--warning); background: #fffaeb; }
.tag.danger { color: var(--danger); background: var(--danger-soft); }
.data-toolbar { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 18px; }
.data-toolbar input, .data-toolbar select { min-height: 43px; padding: 8px 12px; border: 1px solid var(--line); border-radius: 10px; background: #fff; outline: 0; }
.data-toolbar input { min-width: 230px; flex: 1; }
.table-wrap { overflow-x: auto; }
.data-table { width: 100%; min-width: 700px; border-collapse: collapse; }
.data-table th { padding: 11px 12px; border-bottom: 1px solid var(--line); color: var(--muted); text-align: left; font-size: .7rem; letter-spacing: .06em; text-transform: uppercase; }
.data-table td { padding: 15px 12px; border-bottom: 1px solid var(--soft-line); font-size: .82rem; }
.data-table tr:last-child td { border: 0; }
.data-table .num { text-align: right; }
.transfer-layout { display: grid; grid-template-columns: minmax(0,1.1fr) minmax(300px,.7fr); gap: 18px; }
.transfer-form { padding: 26px; }
.amount-input { position: relative; }
.amount-input span { position: absolute; left: 14px; top: 13px; font-weight: 600; }
.amount-input input { padding-left: 32px; font-size: 1.05rem; font-weight: 600; }
.field-help { display: block; margin-top: 7px; color: var(--muted); font-size: .72rem; }
.bank-confirm { display: flex; align-items: flex-start; gap: 10px; margin-top: 18px; padding: 13px; border: 1px solid #ead8ae; border-radius: 11px; color: #59400b; background: #fffaf0; cursor: pointer; font-size: .78rem; line-height: 1.45; }
.bank-confirm[hidden] { display: none; }
.bank-confirm input { width: 18px; height: 18px; flex: none; margin-top: 1px; accent-color: var(--gold-600); }
.receiving-details { display: grid; gap: 10px; }
.receiving-details > span { display: block; padding: 13px; border: 1px solid var(--line); border-radius: 11px; color: var(--muted); font-size: .72rem; }
.receiving-details strong, .receiving-details small { display: block; }
.receiving-details strong { margin-top: 5px; color: var(--ink); font-size: .86rem; font-variant-numeric: tabular-nums; letter-spacing: .035em; }
.receiving-details small { margin-top: 4px; color: #667085; font-variant-numeric: tabular-nums; }
.form-actions { display: flex; justify-content: flex-end; gap: 10px; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--soft-line); }
.summary-list { display: grid; gap: 13px; }
.summary-row { display: flex; justify-content: space-between; gap: 16px; padding-bottom: 13px; border-bottom: 1px solid var(--soft-line); color: var(--muted); font-size: .84rem; }
.summary-row:last-child { border: 0; }
.summary-row strong { color: var(--ink); }
.info-box { display: flex; gap: 10px; margin-top: 16px; padding: 13px; border-radius: 11px; color: #475467; background: var(--canvas); font-size: .8rem; }
.info-box svg { width: 18px; flex: none; margin-top: 1px; }
.beneficiary-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.beneficiary-card { padding: 18px; border: 1px solid var(--line); border-radius: 14px; background: #fff; }
.beneficiary-card .avatar { margin-bottom: 16px; }
.beneficiary-card p { font-weight: 600; }
.beneficiary-card small { color: var(--muted); }
.toggle-row { min-height: 70px; display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 0; border-bottom: 1px solid var(--soft-line); }
.toggle-row:last-child { border: 0; }
.toggle-row p { font-size: .88rem; font-weight: 600; }
.toggle-row small { display: block; color: var(--muted); font-weight: 400; }
.toggle { position: relative; width: 46px; height: 26px; flex: none; border: 0; border-radius: 20px; background: #d0d5dd; cursor: pointer; transition: background .2s; }
.toggle::after { content: ''; position: absolute; width: 20px; height: 20px; top: 3px; left: 3px; border-radius: 50%; background: #fff; box-shadow: 0 1px 3px rgba(0,0,0,.25); transition: transform .2s; }
.toggle.on { background: var(--success); }
.toggle.on::after { transform: translateX(20px); }
.empty-state { padding: 50px 20px; text-align: center; color: var(--muted); }
.empty-state i { width: 52px; height: 52px; display: grid; place-items: center; margin: 0 auto 14px; border-radius: 16px; color: #76540a; background: var(--gold-100); }
.empty-state svg { width: 23px; }
.dash-overlay { display: none; }

/* Toast and motion */
.site-toast { position: fixed; z-index: 100; right: 24px; bottom: 24px; max-width: min(380px, calc(100vw - 32px)); display: flex; align-items: center; gap: 11px; padding: 14px 17px; border: 1px solid #b7e7d6; border-radius: 13px; color: #065f49; background: #f0fdf8; box-shadow: var(--shadow); opacity: 0; transform: translateY(14px); transition: opacity .22s, transform .22s; font-size: .88rem; font-weight: 600; }
.site-toast.error { color: var(--danger); border-color: #fecdca; background: #fff6f5; }
.site-toast.show { opacity: 1; transform: translateY(0); }
.toast-icon { width: 28px; height: 28px; display: grid; place-items: center; flex: none; border-radius: 50%; color: #fff; background: var(--success); }
.site-toast.error .toast-icon { background: var(--danger); }
.toast-icon svg { width: 15px; }
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .45s ease, transform .45s ease; }
.reveal.revealed { opacity: 1; transform: none; }

/* Card applications and account monitoring */
.restriction-stack { display: grid; gap: 12px; margin-bottom: 18px; }
.restriction-banner { display: flex; align-items: center; justify-content: space-between; gap: 22px; padding: 20px 22px; border: 1px solid #f5c7c2; border-left: 5px solid var(--danger); border-radius: 14px; background: #fff8f7; }
.restriction-banner.hold { border-color: #ead8ae; border-left-color: var(--warning); background: #fffaf0; }
.restriction-banner h2 { margin-top: 5px; font-size: 1.05rem; }
.restriction-banner p { margin-top: 6px; color: #475467; font-size: .84rem; }
.restriction-banner small { display: block; margin-top: 7px; color: var(--muted); font-size: .72rem; }
.restriction-empty { min-height: 300px; }
.account-detail-card.is-restricted { border-color: #f2c2bd; }
.account-restriction-note { margin-bottom: 18px; padding: 13px 14px; border-radius: 11px; color: #7a271a; background: var(--danger-soft); }
.account-restriction-note p { margin-top: 4px; font-size: .78rem; }
.account-restriction-note small { display: block; margin-top: 5px; opacity: .72; font-size: .68rem; }
.account-row .tag { margin-left: auto; }
.account-row .tag + strong { margin-left: 4px; }
.card-collection-section { margin-top: 6px; padding: clamp(22px,3vw,34px); border: 1px solid #dfe4ec; border-radius: 24px; background: linear-gradient(145deg,#fff 0%,#f8f5ef 100%); box-shadow: 0 24px 65px -46px rgba(8,17,31,.46); }
.card-collection-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 26px; margin-bottom: 24px; }
.card-collection-head > div { min-width: 0; }
.card-collection-head h2 { max-width: 690px; margin-top: 9px; font-size: clamp(1.45rem,2.5vw,2.2rem); text-wrap: balance; }
.card-collection-head p { max-width: 660px; margin-top: 8px; color: var(--muted); font-size: .87rem; }
.card-collection-head .text-action { flex: none; }
.dashboard-card-offers { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.dashboard-card-offer { min-width: 0; display: flex; flex-direction: column; overflow: hidden; border: 1px solid rgba(208,213,221,.9); border-radius: 20px; background: rgba(255,255,255,.94); box-shadow: 0 16px 40px -34px rgba(8,17,31,.72); transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease; }
.dashboard-card-offer:hover { border-color: #c9b987; box-shadow: 0 24px 50px -34px rgba(8,17,31,.52); transform: translateY(-3px); }
.dashboard-card-offer:active { transform: translateY(-1px); }
.dashboard-card-visual-link { display: block; min-width: 0; padding: 16px 16px 0; border-radius: 20px 20px 0 0; }
.ec-card-face { isolation: isolate; transform: none; }
.ec-card-face::after { z-index: -1; width: 72%; height: auto; aspect-ratio: 1; right: -30%; bottom: -52%; border-color: rgba(255,255,255,.18); box-shadow: 0 0 0 24px rgba(255,255,255,.035),0 0 0 48px rgba(255,255,255,.024); }
.ec-card-face.aura { color: #172033; background: radial-gradient(circle at 12% 5%,rgba(255,255,255,.72),transparent 34%),linear-gradient(135deg,#eadfc9 0%,#d4bf9b 54%,#bda176 100%); }
.ec-card-face.obsidian { color: #fff; background: radial-gradient(circle at 78% -5%,rgba(240,184,63,.18),transparent 34%),linear-gradient(145deg,#242933 0%,#11151c 48%,#05070a 100%); }
.ec-card-face.reserve { color: #fff; background: radial-gradient(circle at 86% 6%,rgba(255,255,255,.16),transparent 32%),linear-gradient(145deg,#7657d6 0%,#513997 53%,#281d59 100%); }
.card-orbit { position: absolute; z-index: -1; border: 1px solid currentColor; border-radius: 50%; opacity: .09; pointer-events: none; }
.card-orbit.orbit-one { width: 45%; aspect-ratio: 1; top: -27%; left: -15%; }
.card-orbit.orbit-two { width: 26%; aspect-ratio: 1; top: 17%; right: -10%; }
.ec-card-face .card-brand { position: relative; z-index: 1; gap: 10px; font-size: clamp(.66rem,1vw,.82rem); }
.ec-card-face .card-brand > span:first-child { min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.ec-card-face .card-brand b { color: inherit; }
.card-network { max-width: 42%; text-align: right; font-size: clamp(.48rem,.72vw,.64rem); letter-spacing: .09em; overflow-wrap: anywhere; }
.card-face-middle { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: clamp(18px,3vw,30px); }
.ec-card-face .card-chip { position: relative; width: clamp(34px,4.2vw,44px); height: clamp(26px,3.2vw,33px); flex: none; margin: 0; border: 1px solid rgba(66,45,8,.18); background: linear-gradient(135deg,#fff1bd 0%,#c79a37 46%,#f7df95 100%); box-shadow: inset 0 0 0 1px rgba(255,255,255,.3); }
.ec-card-face .card-chip::before,.ec-card-face .card-chip::after { content: ''; position: absolute; background: rgba(88,62,15,.25); }
.ec-card-face .card-chip::before { width: 1px; inset-block: 0; left: 50%; }
.ec-card-face .card-chip::after { height: 1px; inset-inline: 0; top: 50%; }
.contactless-mark { display: flex; align-items: center; justify-content: flex-end; width: 27px; height: 27px; opacity: .72; }
.contactless-mark i { display: block; width: 6px; height: 14px; margin-left: -1px; border: 1.5px solid currentColor; border-left: 0; border-radius: 0 20px 20px 0; }
.contactless-mark i:nth-child(2) { height: 19px; }
.contactless-mark i:nth-child(3) { height: 25px; }
.ec-card-face .card-number { position: relative; z-index: 1; margin-top: clamp(16px,2.4vw,25px); font-size: clamp(.67rem,1.12vw,.92rem); font-variant-numeric: tabular-nums; letter-spacing: .09em; white-space: nowrap; }
.ec-card-face .card-meta { position: relative; z-index: 1; gap: 14px; margin-top: clamp(12px,1.9vw,19px); font-size: clamp(.48rem,.7vw,.62rem); }
.ec-card-face .card-meta span { min-width: 0; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.ec-card-face .card-meta span:first-child { max-width: 70%; }
.dashboard-offer-card { width: 100%; padding: clamp(17px,2vw,22px); border-radius: 16px; box-shadow: 0 24px 44px -30px rgba(8,17,31,.7); transition: transform .28s cubic-bezier(.2,.8,.2,1),box-shadow .28s ease; }
.dashboard-card-visual-link:hover .dashboard-offer-card { box-shadow: 0 30px 54px -28px rgba(8,17,31,.8); transform: translateY(-2px) rotateX(1deg); }
.dashboard-card-copy { min-width: 0; display: flex; flex: 1; flex-direction: column; padding: 20px; }
.dashboard-card-title { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.dashboard-card-title > div { min-width: 0; }
.dashboard-card-title .eyebrow { font-size: .61rem; letter-spacing: .08em; }
.dashboard-card-title .eyebrow::before { width: 12px; }
.dashboard-card-title h3 { margin-top: 9px; font-size: 1.35rem; }
.card-reward-pill { max-width: 48%; flex: none; padding: 5px 8px; border-radius: 999px; color: #654806; background: var(--gold-100); font-size: .64rem; font-weight: 700; text-align: center; overflow-wrap: anywhere; }
.dashboard-card-copy > p { min-height: 41px; margin-top: 8px; color: var(--muted); font-size: .78rem; }
.dashboard-card-benefits { display: grid; gap: 9px; margin: 18px 0 20px; }
.dashboard-card-benefits li { min-width: 0; display: flex; align-items: flex-start; gap: 8px; color: #344054; font-size: .75rem; }
.dashboard-card-benefits svg { width: 15px; flex: none; margin-top: 2px; color: var(--success); }
.dashboard-card-copy .btn { min-height: 44px; margin-top: auto; padding-inline: 14px; font-size: .8rem; }
.dashboard-card-copy .btn svg { width: 15px; }
.card-application-history { margin-top: 22px; }
.application-status-list { display: grid; gap: 9px; }
.application-status-row { min-width: 0; display: grid; grid-template-columns: 46px minmax(0,1fr) auto; align-items: center; gap: 13px; padding: 13px; border: 1px solid var(--soft-line); border-radius: 13px; background: #fff; }
.application-product { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 12px; color: #172033; background: linear-gradient(135deg,#eadfc9,#bda176); box-shadow: inset 0 0 0 1px rgba(16,24,40,.06); font-size: .68rem; font-weight: 700; }
.application-product.obsidian { color: #fff; background: linear-gradient(145deg,#242933,#05070a); }
.application-product.reserve { color: #fff; background: linear-gradient(145deg,#7657d6,#281d59); }
.application-status-row p { min-width: 0; font-size: .83rem; }
.application-status-row small { display: block; color: var(--muted); font-size: .7rem; overflow-wrap: anywhere; }
.application-status-row .application-reference { margin: 2px 0; color: #805c0c; font-weight: 700; }
.application-status-row .application-note { margin-top: 5px; color: #475467; white-space: normal; }
.issued-card-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.premium-card-record { min-width: 0; padding: 16px; border-radius: 20px; }
.issued-card-face { width: 100%; padding: clamp(17px,2vw,22px); border-radius: 16px; box-shadow: 0 24px 44px -30px rgba(8,17,31,.76); }
.issued-card-face .card-number { font-size: clamp(.68rem,1.05vw,.9rem); }
.card-security-strip { min-width: 0; display: flex; align-items: center; gap: 8px; margin-top: 12px; padding: 8px 10px; border-radius: 9px; color: #526073; background: var(--canvas); font-size: .64rem; overflow-wrap: anywhere; }
.card-security-strip svg { width: 15px; flex: none; color: #805c0c; }
.card-record-head { margin: 18px 0 10px; }
.card-record-head > div { min-width: 0; }
.card-record-head h2,.card-record-head p { overflow-wrap: anywhere; }
.card-control-panel { margin-top: 22px; }
.card-protection-note { min-width: 0; align-items: flex-start; margin: 0; }
.card-protection-note span { min-width: 0; display: grid; gap: 4px; }
.card-protection-note strong { color: var(--ink); }
.card-actions button:disabled { cursor: not-allowed; opacity: .5; }
.card-reveal-panel,.sensitive-notice { margin: 8px 0 12px; padding: 13px; border: 1px solid #ead8ae; border-radius: 11px; background: #fffaf0; }
.card-reveal-panel label { display: block; color: #475467; font-size: .72rem; font-weight: 700; }
.card-reveal-fields { display: flex; gap: 8px; margin-top: 7px; }
.card-reveal-fields input { min-width: 0; min-height: 44px; flex: 1; padding: 9px 11px; border: 1px solid var(--line); border-radius: 9px; }
.sensitive-notice strong { color: #7a5609; font-size: .78rem; }
.sensitive-notice p { margin-top: 4px; color: #6a5940; font-size: .7rem; }
.empty-state.compact { min-height: 150px; }
.application-body { min-height: 100vh; background: radial-gradient(circle at 7% 10%,rgba(240,184,63,.10),transparent 24rem),radial-gradient(circle at 92% 28%,rgba(118,87,214,.09),transparent 28rem),#f5f6f8; }
.application-header { position: sticky; z-index: 40; top: 0; min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 10px max(24px,calc((100vw - 1280px)/2)); border-bottom: 1px solid rgba(208,213,221,.8); background: rgba(255,255,255,.88); backdrop-filter: blur(18px); }
.application-header-actions { display: flex; align-items: center; gap: 14px; }
.application-security-label { display: inline-flex; align-items: center; gap: 7px; color: #526073; font-size: .76rem; font-weight: 600; }
.application-security-label svg { width: 17px; color: var(--success); }
.application-shell { width: min(1280px,calc(100% - 40px)); display: grid; grid-template-columns: minmax(330px,.88fr) minmax(0,1.12fr); align-items: start; gap: clamp(34px,5vw,72px); margin: clamp(30px,4vw,52px) auto 90px; }
.application-intro { position: sticky; top: 106px; min-width: 0; align-self: start; }
.application-intro-copy h1 { max-width: 11ch; margin-top: 15px; font-size: clamp(2.4rem,4.4vw,4.65rem); line-height: .98; letter-spacing: -.06em; text-wrap: balance; }
.application-intro-copy > p { max-width: 560px; margin-top: 18px; color: #5d6878; font-size: .96rem; }
.product-switcher { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 8px; margin-top: 25px; }
.product-switcher-item { min-width: 0; min-height: 58px; display: flex; align-items: center; gap: 9px; padding: 8px 10px; border: 1px solid #d8dde5; border-radius: 13px; background: rgba(255,255,255,.76); transition: border-color .2s ease,background .2s ease,box-shadow .2s ease,transform .2s ease; }
.product-switcher-item:hover { border-color: #bda873; background: #fff; transform: translateY(-1px); }
.product-switcher-item:active { background: #fff5d6; transform: none; }
.product-switcher-item.active { border-color: #b78b28; background: #fffaf0; box-shadow: 0 0 0 2px rgba(240,184,63,.16); }
.product-switcher-item > span:last-child { min-width: 0; display: grid; }
.product-switcher-item strong,.product-switcher-item small { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.product-switcher-item strong { font-size: .75rem; }
.product-switcher-item small { color: var(--muted); font-size: .57rem; }
.product-swatch { width: 20px; height: 28px; flex: none; border-radius: 5px; background: linear-gradient(135deg,#eadfc9,#bda176); box-shadow: inset 0 0 0 1px rgba(16,24,40,.08); }
.product-swatch.obsidian { background: linear-gradient(145deg,#242933,#05070a); }
.product-swatch.reserve { background: linear-gradient(145deg,#7657d6,#281d59); }
.application-card-stage { min-width: 0; margin-top: 24px; padding: clamp(14px,2.2vw,22px); border: 1px solid rgba(208,213,221,.82); border-radius: 24px; background: rgba(255,255,255,.66); box-shadow: 0 24px 60px -45px rgba(8,17,31,.7); }
.application-preview-card { width: 100%; max-width: 500px; margin: 0 auto; padding: clamp(21px,3vw,29px); border-radius: clamp(17px,2vw,22px); box-shadow: 0 34px 58px -34px rgba(8,17,31,.82); transition: transform .3s cubic-bezier(.2,.8,.2,1),box-shadow .3s ease; }
.application-card-stage:hover .application-preview-card { transform: translateY(-3px) rotateX(1deg); box-shadow: 0 40px 70px -34px rgba(8,17,31,.9); }
.application-preview-card .card-number { font-size: clamp(.82rem,1.5vw,1.04rem); }
.application-card-caption { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; margin-top: 13px; color: #667085; font-size: .68rem; font-weight: 600; }
.application-card-caption span:last-child { color: #805c0c; }
.application-benefits { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 8px; margin-top: 15px; }
.application-benefits li { min-width: 0; display: flex; align-items: flex-start; gap: 6px; padding: 9px; border: 1px solid rgba(208,213,221,.72); border-radius: 10px; color: #475467; background: rgba(255,255,255,.68); font-size: .64rem; overflow-wrap: anywhere; }
.application-benefits svg { width: 14px; flex: none; margin-top: 1px; color: var(--success); }
.application-steps { position: relative; display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 0; margin-top: 22px; }
.application-steps::before { content: ''; position: absolute; top: 17px; right: 16%; left: 16%; height: 1px; background: #d8dde5; }
.application-steps li { position: relative; z-index: 1; min-width: 0; display: grid; justify-items: center; gap: 7px; text-align: center; }
.application-steps b { width: 34px; height: 34px; display: grid; place-items: center; border: 4px solid #f5f6f8; border-radius: 50%; color: #667085; background: #e6e9ee; font-size: .68rem; }
.application-steps li.active b { color: var(--navy-950); background: var(--gold-400); }
.application-steps li > span { min-width: 0; display: grid; }
.application-steps strong { font-size: .68rem; }
.application-steps small { color: var(--muted); font-size: .57rem; overflow-wrap: anywhere; }
.application-form-wrap { min-width: 0; padding: clamp(24px,3.2vw,42px); border: 1px solid rgba(208,213,221,.88); border-radius: 24px; background: rgba(255,255,255,.94); box-shadow: 0 30px 80px -46px rgba(8,17,31,.48); }
.application-form-head { display: grid; grid-template-columns: minmax(0,1fr) minmax(120px,160px); align-items: end; gap: 24px; padding-bottom: 24px; border-bottom: 1px solid var(--soft-line); }
.application-form-head > div { min-width: 0; }
.application-form-head h2 { margin-top: 8px; font-size: clamp(1.55rem,2.7vw,2.05rem); text-wrap: balance; }
.application-form-head p { max-width: 560px; margin-top: 7px; color: var(--muted); font-size: .84rem; }
.application-completion { min-width: 0; }
.application-completion > span { display: block; margin-bottom: 7px; color: #667085; font-size: .68rem; text-align: right; }
.application-completion b { color: var(--ink); font-size: .8rem; }
.application-progress-track { height: 7px; overflow: hidden; border-radius: 999px; background: #e8ebef; }
.application-progress-track i { width: 0; height: 100%; display: block; border-radius: inherit; background: linear-gradient(90deg,var(--gold-600),var(--gold-400)); transition: width .25s ease; }
.application-server-error { margin: 18px 0 0; }
.application-success { display: flex; align-items: flex-start; gap: 12px; }
.application-success > svg { width: 22px; flex: none; }
.application-success > div { min-width: 0; }
.application-empty a { display: inline-flex; min-height: 44px; align-items: center; }
.card-application-form { min-width: 0; }
.card-application-form .application-form-section { min-width: 0; margin: 22px 0 0; padding: 22px; border: 1px solid #e1e5eb; border-radius: 17px; background: #fcfcfd; transition: border-color .2s ease,box-shadow .2s ease,background .2s ease; }
.card-application-form .application-form-section:focus-within { border-color: #d5b666; background: #fff; box-shadow: 0 0 0 4px rgba(240,184,63,.08); }
.card-application-form .application-form-section.is-complete { border-color: #c9e8dd; }
.card-application-form .application-form-section.is-complete legend > span { color: #075e49; background: var(--success-soft); }
.card-application-form .application-form-section legend { width: calc(100% + 2px); display: grid; grid-template-columns: 36px minmax(0,1fr); column-gap: 10px; margin-left: -1px; padding: 0 0 16px; border-bottom: 1px solid var(--soft-line); }
.application-form-section legend > span { width: 34px; height: 34px; grid-row: span 2; display: grid; place-items: center; border-radius: 10px; color: #6d4e08; background: var(--gold-100); font-size: .67rem; font-weight: 700; }
.application-form-section legend strong { align-self: end; font-size: .88rem; }
.application-form-section legend small { min-width: 0; color: var(--muted); font-size: .68rem; font-weight: 400; overflow-wrap: anywhere; }
.card-application-form label span { color: var(--muted); font-weight: 400; }
.card-application-form label .required-marker { margin-left: 4px; color: var(--danger); font-weight: 700; }
.card-application-form .field input,.card-application-form .field select { min-width: 0; border-color: #cfd5de; background-color: #fff; }
.card-application-form .field.has-error input,.card-application-form .field.has-error select { border-color: var(--danger); box-shadow: 0 0 0 3px rgba(217,45,32,.09); }
.field-validation-message { color: var(--danger) !important; font-size: .7rem !important; }
.application-error-summary { margin-top: 18px; padding: 15px 16px; border: 1px solid #f1aaa3; border-radius: 13px; color: #7a271a; background: #fff7f6; }
.application-error-summary strong { font-size: .84rem; }
.application-error-summary ul { display: grid; gap: 5px; margin-top: 8px; }
.application-error-summary a { display: inline-flex; min-height: 28px; align-items: center; color: #9f261b; font-size: .72rem; text-decoration: underline; text-underline-offset: 2px; }
.pin-security-note { display: flex; align-items: flex-start; gap: 10px; margin-top: 18px; padding: 14px; border: 1px solid #c9e8dd; border-radius: 11px; color: #075e49; background: var(--success-soft); }
.pin-security-note > svg { width: 19px; flex: none; margin-top: 1px; }
.pin-security-note > div { min-width: 0; }
.pin-security-note strong { font-size: .82rem; }
.pin-security-note p { margin-top: 4px; color: #276b5a; font-size: .76rem; }
.pin-match-status { min-height: 20px; margin-top: 8px; color: var(--muted); font-size: .72rem; }
.pin-match-status.matches { color: var(--success); }
.pin-match-status.mismatch { color: var(--danger); }
.application-review-panel { display: flex; align-items: flex-start; gap: 11px; margin-top: 22px; padding: 15px; border-radius: 13px; color: #475467; background: var(--canvas); }
.application-review-panel svg { width: 20px; flex: none; color: #805c0c; }
.application-review-panel > div { min-width: 0; }
.application-review-panel strong { color: var(--ink); font-size: .82rem; }
.application-review-panel p { margin-top: 4px; font-size: .75rem; }
.application-consent { min-width: 0; display: flex; align-items: flex-start; gap: 11px; margin: 16px 0; padding: 15px; border: 1px solid #ead8ae; border-radius: 13px; background: #fffaf0; cursor: pointer; font-size: .78rem; }
.application-consent input { width: 20px; height: 20px; flex: none; margin: 1px 0 0; accent-color: var(--gold-600); }
.application-consent span { min-width: 0; overflow-wrap: anywhere; }
.application-consent.has-error { border-color: #f1aaa3; background: #fff7f6; }
.application-submit-row { min-width: 0; display: flex; align-items: center; justify-content: space-between; gap: 18px; padding-top: 18px; border-top: 1px solid var(--soft-line); }
.application-submit-row > span { min-width: 0; display: grid; }
.application-submit-row b { font-size: .88rem; }
.application-submit-row small { color: var(--muted); font-size: .7rem; overflow-wrap: anywhere; }
.application-submit-row .btn { flex: none; }
.application-body.is-changing-product .application-preview-card { opacity: .56; transform: translateY(4px) scale(.985); }
.application-body.is-changing-product .application-form-wrap { opacity: .82; }
.status-banner { margin: 18px 0; padding: 15px; border-radius: 11px; }
.status-banner.success { color: #07634b; background: var(--success-soft); }
.status-banner.danger { color: var(--danger); background: var(--danger-soft); }
.status-banner.warning { color: #6b4705; border: 1px solid #ead8ae; background: #fffaf0; }
.status-banner p { margin-top: 4px; font-size: .8rem; }
.status-banner a { display: inline-block; margin-top: 7px; font-size: .76rem; font-weight: 700; text-decoration: underline; }

/* Branded page-not-found experience */
.not-found-body { min-height: 100vh; overflow-x: hidden; color: #fff; background: radial-gradient(circle at 72% 35%,#182d4b 0,#0d1a2d 30%,var(--navy-950) 68%); }
.not-found-header { width: min(100% - 48px,var(--max)); min-height: 88px; display: flex; align-items: center; justify-content: space-between; gap: 24px; margin: 0 auto; border-bottom: 1px solid rgba(255,255,255,.1); }
.not-found-header .brand-mark { background: #fff; }
.not-found-header .brand-money { color: var(--gold-400); }
.not-found-status { display: inline-flex; align-items: center; gap: 9px; color: #aeb8c8; font-size: .78rem; }
.not-found-status i { width: 8px; height: 8px; border-radius: 50%; background: #45c79a; box-shadow: 0 0 0 5px rgba(69,199,154,.12); }
.not-found-main { width: min(100% - 48px,var(--max)); min-height: calc(100vh - 88px); display: grid; grid-template-columns: minmax(0,.82fr) minmax(420px,1.18fr); align-items: center; gap: clamp(30px,6vw,80px); margin: 0 auto; padding: 48px 0 68px; }
.not-found-copy { position: relative; z-index: 2; }
.not-found-copy .eyebrow { color: var(--gold-400); }
.not-found-copy h1 { max-width: 9ch; margin-top: 20px; font-size: clamp(3rem,6vw,5.8rem); line-height: .96; letter-spacing: -.06em; text-wrap: balance; }
.not-found-copy > p { max-width: 590px; margin-top: 24px; color: #b8c2d1; font-size: 1.05rem; }
.not-found-actions { margin-top: 32px; }
.not-found-actions .btn-secondary { color: #fff; border-color: #3b4960; background: rgba(255,255,255,.04); }
.not-found-actions .btn-secondary:hover { border-color: #65728a; background: rgba(255,255,255,.08); }
.not-found-copy .not-found-help { margin-top: 18px; color: #78869a; font-size: .78rem; }
.not-found-visual-shell { position: relative; overflow: hidden; width: 100%; aspect-ratio: 922/788; border: 1px solid rgba(255,255,255,.12); border-radius: clamp(24px,4vw,42px); background: linear-gradient(145deg,rgba(255,255,255,.07),rgba(255,255,255,.015)); box-shadow: 0 45px 100px -50px #000; }
.not-found-visual-shell::before { content: ''; position: absolute; inset: 10%; border: 1px solid rgba(240,184,63,.11); border-radius: 50%; }
.not-found-animation { position: absolute; z-index: 1; inset: 0; }
.not-found-animation svg { width: 100% !important; height: 100% !important; }
.not-found-animation-fallback { position: absolute; z-index: 0; inset: 0; display: grid; place-content: center; text-align: center; color: #7f8ca0; }
.not-found-animation-fallback strong { color: #fff; font-size: clamp(5rem,15vw,10rem); line-height: 1; letter-spacing: -.08em; }
.not-found-animation-fallback span { margin-top: 8px; font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; }
.not-found-visual-shell.is-ready .not-found-animation-fallback { display: none; }

/* Footer */
.site-footer { padding: 68px 0 26px; color: #fff; background: var(--navy-950); }
.site-footer .brand-mark { background: #fff; }
.site-footer .brand-money { color: var(--gold-400); }
.footer-top { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 54px; }
.footer-blurb { max-width: 340px; margin-top: 18px; color: #9ca7b8; font-size: .9rem; }
.footer-status { display: flex; align-items: center; gap: 8px; margin-top: 22px; color: #9ca7b8; font-size: .78rem; }
.footer-status span { width: 8px; height: 8px; border-radius: 50%; background: #45c79a; box-shadow: 0 0 0 4px rgba(69,199,154,.12); }
.footer-col { display: grid; align-content: start; gap: 10px; }
.footer-col h2 { margin-bottom: 7px; color: #dce1e9; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; }
.footer-col a { min-height: 30px; color: #8f9bae; font-size: .86rem; }
.footer-col a:hover { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; gap: 30px; margin-top: 58px; padding-top: 22px; border-top: 1px solid #263146; color: #727e91; font-size: .75rem; }

@media (max-width: 1050px) {
  .desktop-nav { display: none; }
  .header-actions { margin-left: 0; }
  .menu-button { display: grid; place-items: center; margin-left: auto; }
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; gap: 55px; }
  .app-preview { margin: auto; }
  .hero-copy { text-align: center; }
  .hero-copy .display, .hero-copy > p { margin-inline: auto; }
  .hero-copy .button-row, .hero-notes { justify-content: center; }
  .product-visual { min-height: 360px; }
  .cards-grid { grid-template-columns: 1fr 1fr; }
  .feature-grid { grid-template-columns: 1fr 1fr; }
  .feature-card { min-height: 285px; }
  .split, .security-grid { gap: 48px; }
  .card-stage { padding: 48px; gap: 45px; }
  .dash-shell { grid-template-columns: 1fr; }
  .dash-sidebar { transform: translateX(-100%); transition: transform .22s ease; }
  .dash-sidebar.open { transform: translateX(0); }
  .dash-content { grid-column: 1; }
  .dash-menu { display: grid; place-items: center; }
  .dash-overlay { position: fixed; z-index: 55; inset: 0; background: rgba(8,17,31,.48); }
  .dash-overlay.open { display: block; }
  .dashboard-card-offers,.issued-card-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .application-shell { grid-template-columns: 1fr; gap: 30px; }
  .application-intro { position: static; }
  .application-intro-copy { max-width: 760px; }
  .application-card-stage { max-width: 620px; }
  .application-benefits,.application-steps { max-width: 620px; }
}

@media (max-width: 820px) {
  .page-section { padding: 76px 0; }
  .hero-grid { min-height: auto; padding: 64px 0 76px; }
  .proof-grid { grid-template-columns: 1fr 1fr; }
  .proof-item:nth-child(2) { border-right: 0; }
  .proof-item:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .proof-item:nth-child(3) { padding-left: 0; }
  .split, .security-grid, .card-stage, .contact-grid, .auth-page { grid-template-columns: 1fr; }
  .split { gap: 55px; }
  .card-stage { padding: 38px; }
  .credit-card { margin: auto; }
  .security-image, .security-image img { min-height: 320px; }
  .steps { grid-template-columns: 1fr; }
  .cards-grid { grid-template-columns: 1fr; max-width: 520px; margin: auto; }
  .content-grid { grid-template-columns: 1fr; }
  .legal-layout { grid-template-columns: 1fr; gap: 30px; }
  .legal-nav { position: static; display: flex; flex-wrap: wrap; }
  .auth-brand { min-height: 420px; padding: 32px 28px; }
  .auth-trust { display: none; }
  .footer-top { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-top > div:first-child { grid-column: 1 / -1; }
  .dash-topbar { padding: 0 18px; }
  .dash-main { padding: 26px 18px 50px; }
  .dash-greeting p { display: none; }
  .dash-search { width: min(310px, 45vw); }
  .dash-grid.g4 { grid-template-columns: 1fr 1fr; }
  .dash-grid.g3 { grid-template-columns: 1fr 1fr; }
  .dash-grid.layout, .transfer-layout { grid-template-columns: 1fr; }
  .beneficiary-grid { grid-template-columns: 1fr 1fr; }
  .card-collection-head { align-items: flex-start; flex-direction: column; }
  .card-collection-head .text-action { flex: initial; }
  .not-found-main { grid-template-columns: 1fr; padding-top: 68px; }
  .not-found-copy { text-align: center; }
  .not-found-copy h1,.not-found-copy > p { margin-inline: auto; }
  .not-found-copy .eyebrow,.not-found-actions { justify-content: center; }
  .not-found-visual-shell { max-width: 650px; margin: 0 auto; }
}

@media (max-width: 600px) {
  .wrap { width: min(100% - 30px, var(--max)); }
  .header-row { height: 66px; }
  .header-actions { display: none; }
  .card-account-head { align-items: flex-start; flex-direction: column; }
  .full-card-detail { gap: 8px; font-size: .62rem; }
  .display { font-size: clamp(2.3rem, 12vw, 3.5rem); }
  .hero-copy > p { font-size: 1.02rem; }
  .hero-notes { display: grid; gap: 9px; text-align: left; }
  .button-row { align-items: stretch; }
  .button-row .btn { flex: 1 1 auto; }
  .app-preview { padding: 10px; border-radius: 22px; transform: none; }
  .preview-balance { padding: 22px; }
  .preview-actions { grid-template-columns: repeat(4, 1fr); gap: 3px; }
  .preview-action { font-size: .63rem; }
  .proof-grid, .feature-grid, .security-list { grid-template-columns: 1fr; }
  .proof-item { padding: 22px 0 !important; border-right: 0; border-bottom: 1px solid var(--line) !important; }
  .proof-item:last-child { border-bottom: 0 !important; }
  .section-head, .cta-band, .footer-bottom, .view-head { align-items: flex-start; flex-direction: column; }
  .feature-card { min-height: 250px; }
  .phone-screen { min-height: 520px; }
  .card-stage { padding: 26px 18px; }
  .credit-card { padding: 20px; border-radius: 17px; }
  .card-number { margin-top: 20px; font-size: .82rem; }
  .card-chip { margin-top: 22px; }
  .cta-band { padding: 34px 26px; }
  .cta-band .btn { width: 100%; }
  .account-tile:nth-child(2), .account-tile:nth-child(3) { margin-left: 0; }
  .field-grid { grid-template-columns: 1fr; gap: 0; }
  .form-card { padding: 24px 20px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 36px 28px; }
  .footer-top > div:first-child { grid-column: 1 / -1; }
  .footer-col:last-child { grid-column: 1 / -1; }
  .auth-brand { min-height: 360px; }
  .auth-main { padding: 38px 20px; }
  .dash-search { display: none; }
  .dash-top-actions { gap: 5px; }
  .dash-grid.g4, .dash-grid.g3, .dash-grid.g2 { grid-template-columns: 1fr; }
  .dashboard-card-offers,.issued-card-grid { grid-template-columns: 1fr; }
  .card-collection-section { padding: 20px 15px; border-radius: 19px; }
  .dashboard-card-visual-link { padding: 13px 13px 0; }
  .dashboard-card-copy { padding: 18px 16px; }
  .dashboard-offer-card,.issued-card-face { max-width: 440px; margin-inline: auto; }
  .quick-actions { grid-template-columns: 1fr 1fr; }
  .beneficiary-grid { grid-template-columns: 1fr; }
  .donut-layout { flex-direction: column; align-items: flex-start; }
  .form-actions { align-items: stretch; flex-direction: column-reverse; }
  .form-actions .btn { width: 100%; }
  .restriction-banner { align-items: flex-start; flex-direction: column; }
  .application-header { min-height: 70px; padding: 8px 15px; }
  .application-security-label { display: none; }
  .application-header-actions { gap: 8px; }
  .application-header .btn { min-height: 42px; padding-inline: 13px; font-size: .78rem; }
  .application-shell { width: min(100% - 28px,1280px); margin-top: 24px; margin-bottom: 55px; }
  .application-intro-copy h1 { font-size: clamp(2.35rem,12vw,3.6rem); }
  .product-switcher { gap: 6px; }
  .product-switcher-item { min-height: 54px; gap: 6px; padding: 7px; }
  .product-swatch { width: 17px; height: 25px; }
  .application-card-stage { padding: 12px; border-radius: 19px; }
  .application-benefits { grid-template-columns: 1fr; }
  .application-form-head { grid-template-columns: 1fr; gap: 16px; }
  .application-completion > span { text-align: left; }
  .application-form-wrap { padding: 24px 18px; }
  .card-application-form .application-form-section { padding: 18px 14px; border-radius: 14px; }
  .application-form-section legend small { font-size: .64rem; }
  .application-submit-row { align-items: stretch; flex-direction: column; }
  .application-submit-row .btn { width: 100%; }
  .card-reveal-fields { align-items: stretch; flex-direction: column; }
  .application-status-row { grid-template-columns: 42px minmax(0,1fr); }
  .application-status-row .tag { grid-column: 2; justify-self: start; }
  .site-toast { right: 16px; bottom: 16px; }
  .not-found-header,.not-found-main { width: min(100% - 30px,var(--max)); }
  .not-found-header { min-height: 72px; }
  .not-found-status { display: none; }
  .not-found-main { min-height: calc(100vh - 72px); gap: 34px; padding: 44px 0; }
  .not-found-copy h1 { font-size: clamp(2.65rem,15vw,4rem); }
  .not-found-actions { align-items: stretch; flex-direction: column; }
  .not-found-actions .btn { width: 100%; }
  .not-found-visual-shell { border-radius: 24px; }
}

@media (max-width: 380px) {
  .application-header .brand { font-size: .92rem; }
  .application-header .brand-mark { width: 31px; height: 31px; }
  .application-header .btn { padding-inline: 10px; }
  .product-switcher { grid-template-columns: 1fr; }
  .product-switcher-item { min-height: 52px; }
  .application-card-caption { align-items: flex-start; flex-direction: column; }
  .application-steps small { display: none; }
  .application-form-wrap { padding-inline: 14px; }
  .application-status-row { grid-template-columns: 1fr; }
  .application-status-row .tag { grid-column: 1; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .auth-action-skeleton { animation: none; }
  .dashboard-card-offer,.dashboard-offer-card,.application-preview-card,.product-switcher-item,.application-progress-track i,.application-form-section,.application-form-wrap { transition: none; }
  .dashboard-card-offer:hover,.dashboard-card-visual-link:hover .dashboard-offer-card,.application-card-stage:hover .application-preview-card { transform: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
  .reveal { opacity: 1; transform: none; }
}

/* =====================================================================
   Premium refresh — dashboard #cards collection & card application
   ===================================================================== */

/* --- Card face: shared premium treatment --- */
.ec-card-face { position: relative; overflow: hidden; isolation: isolate; transform: none;
  border: 1px solid rgba(255,255,255,.10);
  box-shadow: 0 26px 50px -30px rgba(8,17,31,.75), inset 0 1px 0 rgba(255,255,255,.18); }
.ec-card-face::after { display: none; }
.ec-card-face .card-sheen { position: absolute; z-index: 0; inset: -40% -10% auto -30%; height: 150%;
  background: linear-gradient(115deg, rgba(255,255,255,.22) 0%, rgba(255,255,255,.05) 34%, transparent 58%);
  transform: rotate(-8deg); pointer-events: none; }
.ec-card-face.aura { color: #1b2436;
  background: radial-gradient(120% 100% at 8% 0%, #fdf6e6 0%, #e7d6b4 42%, #c9ac79 100%); }
.ec-card-face.obsidian { color: #fff;
  background: radial-gradient(120% 120% at 85% -10%, #2f3646 0%, #161c26 46%, #04060a 100%); }
.ec-card-face.reserve { color: #fff;
  background: radial-gradient(120% 120% at 88% -8%, #8a6ce8 0%, #543c9d 48%, #23184f 100%); }
.ec-card-face .card-brand,
.ec-card-face .card-face-middle,
.ec-card-face .card-number,
.ec-card-face .card-meta { position: relative; z-index: 1; }
.ec-card-face .card-brand { display: flex; align-items: center; justify-content: space-between;
  font-size: clamp(.68rem,.95vw,.82rem); font-weight: 600; letter-spacing: .02em; }
.ec-card-face .card-network { font-size: .62rem; font-weight: 700; letter-spacing: .18em; opacity: .82; text-transform: uppercase; }
.ec-card-face .card-face-middle { display: flex; align-items: center; gap: 10px; margin-top: clamp(16px,2.6vw,26px); }
.ec-card-face .card-number { margin-top: clamp(14px,2.2vw,22px); font-size: clamp(.78rem,1.25vw,1rem);
  font-variant-numeric: tabular-nums; letter-spacing: .14em; white-space: nowrap; }
.ec-card-face .card-meta { display: flex; justify-content: space-between; gap: 16px; margin-top: clamp(12px,2vw,20px); }
.ec-card-face .card-meta small { display: block; margin-bottom: 3px; font-size: .52rem;
  letter-spacing: .14em; text-transform: uppercase; opacity: .6; }
.ec-card-face .card-meta span { font-size: clamp(.58rem,.85vw,.72rem); font-weight: 600; }

/* --- Collection section --- */
.card-collection-section { margin-top: 4px; padding: clamp(22px,3vw,38px);
  border: 1px solid rgba(255,255,255,.06); border-radius: 26px; color: #fff;
  background: radial-gradient(120% 130% at 0% 0%, #16203a 0%, #0b1322 52%, #070c16 100%);
  box-shadow: 0 40px 90px -55px rgba(8,17,31,.9); }
.card-collection-head { margin-bottom: clamp(20px,3vw,30px); }
.card-collection-head .eyebrow { color: var(--gold-400); }
.card-collection-head .eyebrow::before { background: var(--gold-400); }
.card-collection-head h2 { color: #fff; letter-spacing: -.03em; }
.card-collection-head p { color: rgba(255,255,255,.62); }
.card-collection-head .text-action { color: var(--gold-400); font-weight: 600; }
.card-collection-head .text-action:hover { color: #fff; }

.dashboard-card-offers { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: clamp(14px,1.6vw,20px); }
.dashboard-card-offer { position: relative; min-width: 0; display: flex; flex-direction: column; overflow: hidden;
  border: 1px solid rgba(255,255,255,.09); border-radius: 22px;
  background: linear-gradient(180deg, rgba(255,255,255,.075) 0%, rgba(255,255,255,.028) 100%);
  backdrop-filter: blur(8px);
  transition: transform .28s cubic-bezier(.2,.8,.2,1), border-color .28s ease, box-shadow .28s ease; }
.dashboard-card-offer::before { content: ''; position: absolute; inset: 0 0 auto; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent); opacity: 0; transition: opacity .28s ease; }
.dashboard-card-offer:hover { transform: translateY(-5px); border-color: rgba(246,202,108,.4);
  box-shadow: 0 34px 60px -38px rgba(0,0,0,.9); }
.dashboard-card-offer:hover::before { opacity: 1; }
.dashboard-card-visual-link { display: block; padding: clamp(14px,1.6vw,18px) clamp(14px,1.6vw,18px) 0; border-radius: 0; }
.dashboard-offer-card { width: 100%; padding: clamp(16px,1.9vw,22px); border-radius: 16px; }
.dashboard-card-visual-link:hover .dashboard-offer-card { transform: translateY(-3px) scale(1.012);
  box-shadow: 0 34px 56px -30px rgba(0,0,0,.95); }
.dashboard-offer-card { transition: transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s ease; }
.dashboard-card-copy { min-width: 0; display: flex; flex: 1; flex-direction: column; padding: clamp(18px,2vw,22px); }
.dashboard-card-title { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.dashboard-card-title .eyebrow { color: rgba(255,255,255,.5); }
.dashboard-card-title .eyebrow::before { display: none; }
.dashboard-card-title h3 { margin-top: 6px; color: #fff; font-size: clamp(1.2rem,1.7vw,1.5rem); letter-spacing: -.02em; }
.card-reward-pill { flex: none; padding: 6px 11px; border: 1px solid rgba(246,202,108,.35); border-radius: 999px;
  color: var(--gold-400); background: rgba(246,202,108,.10); font-size: .64rem; font-weight: 700; white-space: nowrap; }
.dashboard-card-copy > p { min-height: 38px; margin-top: 10px; color: rgba(255,255,255,.62); font-size: .8rem; line-height: 1.55; }
.dashboard-card-benefits { display: grid; gap: 0; margin: 16px 0 20px; padding-top: 4px;
  border-top: 1px solid rgba(255,255,255,.08); }
.dashboard-card-benefits li { min-width: 0; display: flex; align-items: flex-start; gap: 10px;
  padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.06);
  color: rgba(255,255,255,.78); font-size: .76rem; line-height: 1.45; }
.dashboard-card-benefits li::before { content: ''; width: 5px; height: 5px; flex: none; margin-top: 7px;
  border-radius: 50%; background: var(--gold-400); }
.dashboard-card-benefits li:last-child { border-bottom: 0; }
.dashboard-card-copy .btn { min-height: 46px; margin-top: auto; border-radius: 12px; font-size: .82rem; }
.dashboard-card-offer .btn-dark { color: var(--navy-950); background: #fff; border-color: #fff; }
.dashboard-card-offer .btn-dark:hover { color: var(--navy-950); background: var(--gold-400); border-color: var(--gold-400); }
.dashboard-card-offer .btn-primary:hover { filter: brightness(1.05); }

/* --- Application history --- */
.card-application-history { margin-top: 20px; border-radius: 20px; }
.application-status-row { align-items: center; padding: 14px; border-radius: 14px;
  transition: border-color .2s ease, box-shadow .2s ease; }
.application-status-row:hover { border-color: #d5c391; box-shadow: 0 14px 30px -26px rgba(8,17,31,.6); }

/* --- Issued cards --- */
.card-account-group { margin-top: 22px; }
.issued-card-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: clamp(14px,1.6vw,18px); }
.premium-card-record { min-width: 0; padding: 16px; border-radius: 20px; transition: box-shadow .25s ease, transform .25s ease; }
.premium-card-record:hover { transform: translateY(-3px); box-shadow: 0 26px 55px -40px rgba(8,17,31,.7); }
.issued-card-face { width: 100%; padding: clamp(17px,2vw,22px); border-radius: 16px; }
.card-security-strip { display: flex; align-items: center; gap: 8px; margin-top: 12px; padding: 9px 11px;
  border-radius: 10px; color: #526073; background: var(--canvas); font-size: .64rem; line-height: 1.45; }
.card-security-strip::before { content: ''; width: 6px; height: 6px; flex: none; border-radius: 50%; background: var(--success); }

/* --- Application page --- */
.application-body { background: radial-gradient(circle at 6% 6%, rgba(246,202,108,.14), transparent 26rem),
  radial-gradient(circle at 96% 22%, rgba(118,87,214,.12), transparent 30rem), #f4f5f8; }
.application-shell { width: min(1240px, calc(100% - 40px)); grid-template-columns: minmax(320px,.86fr) minmax(0,1.14fr);
  align-items: start; gap: clamp(28px,4vw,60px); }
.application-intro { padding: clamp(20px,2.4vw,28px); border: 1px solid rgba(255,255,255,.06); border-radius: 26px;
  color: #fff; background: radial-gradient(120% 130% at 0% 0%, #16203a 0%, #0b1322 55%, #070c16 100%);
  box-shadow: 0 40px 90px -58px rgba(8,17,31,.9); }
.application-intro .eyebrow { color: var(--gold-400); }
.application-intro .eyebrow::before { background: var(--gold-400); }
.application-intro-copy h1 { max-width: 14ch; margin-top: 12px; color: #fff;
  font-size: clamp(2.1rem,3.4vw,3.4rem); line-height: 1.02; letter-spacing: -.045em; }
.application-intro-copy > p { max-width: 46ch; margin-top: 14px; color: rgba(255,255,255,.62); font-size: .88rem; line-height: 1.6; }

.product-switcher { grid-template-columns: repeat(3,minmax(0,1fr)); gap: 8px; margin-top: 22px; }
.product-switcher-item { min-height: 62px; border: 1px solid rgba(255,255,255,.1); border-radius: 14px;
  color: #fff; background: rgba(255,255,255,.05); }
.product-switcher-item:hover { border-color: rgba(246,202,108,.45); background: rgba(255,255,255,.09); }
.product-switcher-item.active { border-color: var(--gold-400); background: rgba(246,202,108,.12);
  box-shadow: inset 0 0 0 1px rgba(246,202,108,.25); }
.product-switcher-item strong { color: #fff; }
.product-switcher-item small { color: rgba(255,255,255,.55); }

.application-card-stage { margin-top: 20px; padding: clamp(14px,2vw,20px); border: 1px solid rgba(255,255,255,.09);
  border-radius: 22px; background: rgba(255,255,255,.04); box-shadow: none; }
.application-preview-card { max-width: 460px; }
.application-card-caption { color: rgba(255,255,255,.55); }
.application-card-caption span:last-child { color: var(--gold-400); }

.application-benefits { grid-template-columns: 1fr; gap: 0; margin-top: 18px; padding-top: 4px;
  border-top: 1px solid rgba(255,255,255,.08); }
.application-benefits li { display: flex; align-items: flex-start; gap: 10px; padding: 10px 0; border: 0;
  border-bottom: 1px solid rgba(255,255,255,.06); border-radius: 0; background: none;
  color: rgba(255,255,255,.78); font-size: .78rem; }
.application-benefits li::before { content: ''; width: 5px; height: 5px; flex: none; margin-top: 7px;
  border-radius: 50%; background: var(--gold-400); }
.application-benefits li:last-child { border-bottom: 0; }

.application-steps { margin-top: 22px; }
.application-steps::before { background: rgba(255,255,255,.14); }
.application-steps b { border-color: transparent; color: rgba(255,255,255,.7); background: rgba(255,255,255,.1); }
.application-steps li.active b { color: var(--navy-950); background: var(--gold-400); }
.application-steps strong { color: #fff; font-size: .74rem; }
.application-steps small { color: rgba(255,255,255,.5); }

.application-form-wrap { padding: clamp(22px,2.6vw,34px); border: 1px solid var(--line); border-radius: 26px;
  background: rgba(255,255,255,.96); box-shadow: 0 40px 90px -60px rgba(8,17,31,.6); }
.application-form-head { display: grid; grid-template-columns: minmax(0,1fr) auto; align-items: end; gap: 22px;
  padding-bottom: 20px; border-bottom: 1px solid var(--soft-line); }
.application-form-head h2 { margin-top: 8px; font-size: clamp(1.35rem,2.1vw,1.75rem); letter-spacing: -.02em; }
.application-form-head p { margin-top: 6px; color: var(--muted); font-size: .82rem; }
.application-completion { min-width: 170px; display: grid; gap: 8px; font-size: .74rem; color: var(--muted); }
.application-completion b { color: var(--ink); font-size: .95rem; }
.application-progress-track { height: 6px; overflow: hidden; border-radius: 999px; background: var(--soft-line); }
.application-progress-track i { display: block; width: 0; height: 100%; border-radius: 999px;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-400)); transition: width .35s ease; }

.card-application-form { display: grid; gap: 16px; margin-top: 22px; }
.application-form-section { min-width: 0; padding: clamp(18px,2.2vw,24px); border: 1px solid var(--line);
  border-radius: 18px; background: #fff; transition: border-color .22s ease, box-shadow .22s ease; }
.application-form-section:focus-within { border-color: #d5bd7c; box-shadow: 0 0 0 4px rgba(246,202,108,.16); }
.application-form-section legend { display: grid; grid-template-columns: 34px minmax(0,1fr); align-items: center;
  gap: 12px; width: 100%; margin-bottom: 16px; }
.application-form-section legend span { grid-row: span 2; width: 34px; height: 34px; display: grid; place-items: center;
  border-radius: 10px; color: var(--navy-950); background: var(--gold-100); font-size: .72rem; font-weight: 700; }
.application-form-section legend strong { font-size: .96rem; letter-spacing: -.01em; }
.application-form-section legend small { grid-column: 2; color: var(--muted); font-size: .72rem; }
.card-application-form .field label { font-size: .76rem; font-weight: 600; }
.card-application-form input, .card-application-form select { min-height: 48px; border-radius: 12px; }
.pin-security-note, .application-review-panel { display: flex; gap: 12px; padding: 14px; border-radius: 14px;
  border: 1px solid var(--soft-line); background: var(--canvas); }
.pin-security-note::before, .application-review-panel::before { content: ''; width: 3px; flex: none;
  border-radius: 999px; background: var(--gold-500); }
.pin-security-note strong, .application-review-panel strong { font-size: .82rem; }
.pin-security-note p, .application-review-panel p { margin-top: 4px; color: var(--muted); font-size: .74rem; line-height: 1.55; }
.pin-input { font-size: 1.1rem; letter-spacing: .5em; text-align: center; }
.application-consent { display: flex; align-items: flex-start; gap: 11px; padding: 15px; border: 1px solid var(--line);
  border-radius: 14px; color: #475467; background: #fff; font-size: .78rem; line-height: 1.55; cursor: pointer; }
.application-consent input { width: 18px; height: 18px; flex: none; margin-top: 1px; accent-color: var(--gold-600); }
.application-submit-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px;
  padding: 18px; border-radius: 16px; color: #fff;
  background: radial-gradient(120% 160% at 0% 0%, #16203a 0%, #0b1322 60%, #070c16 100%); }
.application-submit-row span { display: grid; }
.application-submit-row b { font-size: .95rem; }
.application-submit-row small { color: rgba(255,255,255,.55); font-size: .72rem; }
.application-submit-row .btn { min-height: 48px; padding-inline: 24px; border-radius: 12px; }

@media (max-width: 1050px) {
  .application-shell { grid-template-columns: 1fr; }
  .application-intro { position: static; }
  .application-card-stage, .application-benefits, .application-steps { max-width: 100%; }
  .dashboard-card-offers, .issued-card-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 700px) {
  .card-collection-section { padding: 18px 14px; border-radius: 20px; }
  .dashboard-card-offers, .issued-card-grid { grid-template-columns: 1fr; }
  .dashboard-offer-card, .issued-card-face, .application-preview-card { max-width: 430px; margin-inline: auto; }
  .application-shell { width: min(100% - 26px,1240px); }
  .application-intro, .application-form-wrap { padding: 18px 15px; border-radius: 20px; }
  .application-form-head { grid-template-columns: 1fr; align-items: start; }
  .product-switcher { grid-template-columns: 1fr; }
  .product-switcher-item { min-height: 54px; }
  .application-submit-row { flex-direction: column; align-items: stretch; }
  .application-submit-row .btn { width: 100%; }
}

/* Overflow safety */
.dashboard-card-offer, .premium-card-record, .application-form-section,
.application-status-row, .application-intro, .application-form-wrap { min-width: 0; max-width: 100%; }
.ec-card-face * { min-width: 0; }

/* Section header + field alignment fixes */
.application-form-section { display: grid; gap: 14px; }
.application-form-section .section-legend { display: grid; grid-template-columns: 34px minmax(0,1fr);
  align-items: center; gap: 4px 12px; width: 100%; margin: 0 0 4px; padding: 0; }
.application-form-section .section-legend span { grid-row: span 2; width: 34px; height: 34px; display: grid;
  place-items: center; border-radius: 10px; color: var(--navy-950); background: var(--gold-100);
  font-size: .72rem; font-weight: 700; }
.application-form-section .section-legend strong { font-size: .96rem; letter-spacing: -.01em; }
.application-form-section .section-legend small { grid-column: 2; color: var(--muted); font-size: .72rem; }
.card-application-form .field-grid { align-items: start; }
.card-application-form .field { display: grid; align-content: start; gap: 7px; }
.card-application-form .field label { margin: 0; }
.application-consent { align-items: center; }
.card-application-form .field-grid > .field { margin-top: 0; }
@media (max-width: 600px) { .card-application-form .field-grid > .field + .field { margin-top: 16px; } }

/* Card network selection and revealed security code */
.network-choice{margin:0 0 18px;padding:0;border:0}
.network-choice legend{padding:0;margin-bottom:10px;color:var(--ink,#101828);font-size:.82rem;font-weight:700}
.network-choice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.network-option{position:relative;display:block;min-width:0;cursor:pointer}
.network-option input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.network-option-body{display:flex;flex-direction:column;gap:4px;height:100%;padding:14px;border:1.5px solid rgba(16,24,40,.12);border-radius:14px;background:#fff;transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease}
.network-option-body strong{font-size:.9rem;letter-spacing:-.01em}
.network-option-body small{color:rgba(16,24,40,.58);font-size:.72rem;line-height:1.35}
.network-option:hover .network-option-body{border-color:rgba(16,24,40,.3);transform:translateY(-1px)}
.network-option input:focus-visible+.network-option-body{outline:3px solid rgba(240,184,63,.55);outline-offset:2px}
.network-option.selected .network-option-body{border-color:#0d1b2f;box-shadow:0 12px 28px -20px rgba(8,17,31,.9)}
.network-option.selected .network-option-body::after{content:'Selected';position:absolute;top:10px;right:12px;color:#8a6a12;font-size:.62rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase}
.sensitive-code{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin:10px 0;padding:10px 12px;border-radius:10px;background:rgba(8,17,31,.06)}
.sensitive-code span{font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;opacity:.7}
.sensitive-code b{font-size:1.05rem;letter-spacing:.18em}
@media (max-width:860px){.network-choice-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.network-choice-grid{grid-template-columns:minmax(0,1fr)}}