/* ─── TOKENS ─────────────────────────────────────────────── */
:root{
  /* brand */
  --navy:#080B53;
  --navy-deep:#050740;
  --navy-mid:#0d1275;
  --navy-light:#1a2288;
  --navy-rim:rgba(255,255,255,.10);
  --gold:#F5C842;
  --gold-light:#FFE082;
  --gold-dark:#C9A020;
  /* light surface */
  --bg:#E8EAF2;
  --surface:#ffffff;
  --surface2:#F0F1F8;
  --border:rgba(8,11,83,.08);
  --border-strong:rgba(8,11,83,.14);
  /* text */
  --ink:#0B0C1A;
  --ink2:#4B4D6A;
  --ink3:#9597B4;
  /* semantic */
  --green:#16A34A;
  --green-soft:#DCFCE7;
  --amber:#D97706;
  --amber-soft:#FEF3C7;
  --red:#DC2626;
  --red-soft:#FEE2E2;
  /* type */
  --display:'Oswald','Bank Gothic','Arial Narrow',sans-serif;
  --body:'DM Sans',-apple-system,sans-serif;
  /* layout */
  --max:480px;
  --max-pc:1120px;
  --pad-pc:48px;
  --pad-pc-sm:32px;
  --pad-page:clamp(20px,5.5vw,28px);
  --pad-page-y:clamp(32px,7vw,44px);
  --pad-foot:clamp(20px,4vw,24px);
  --nav-height:80px;
  --pad-scroll-bottom:calc(var(--nav-height) + env(safe-area-inset-bottom));
  --touch-min:44px;
  --text-min:11px;
  --content-narrow:520px;
  --content-form:800px;
  --content-read:960px;
  --r:14px;
  --r-sm:10px;
  --r-lg:22px;
  /* spacing scale */
  --space-1:4px;
  --space-2:8px;
  --space-3:12px;
  --space-4:16px;
  --space-5:20px;
  --space-6:24px;
  --space-7:32px;
  --space-8:40px;
  --space-9:48px;
  --space-10:56px;
  --shadow:0 1px 3px rgba(0,0,0,.04),0 8px 24px rgba(0,0,0,.07);
  --shadow-lg:0 4px 6px rgba(0,0,0,.04),0 20px 40px rgba(0,0,0,.10);
  --ease:cubic-bezier(.4,0,.2,1);
  /* skeuomorphic depth */
  --bevel-light:rgba(255,255,255,.22);
  --bevel-dark:rgba(0,0,0,.35);
  --inset-sm:inset 0 1px 2px rgba(0,0,0,.12),inset 0 -1px 0 rgba(255,255,255,.06);
  --inset-md:inset 0 2px 6px rgba(0,0,0,.18),inset 0 1px 0 rgba(255,255,255,.08);
  --inset-deep:inset 0 4px 12px rgba(0,0,0,.28),inset 0 1px 0 rgba(255,255,255,.05);
  --raised-sm:0 1px 0 rgba(255,255,255,.12) inset,0 2px 4px rgba(0,0,0,.15),0 4px 8px rgba(0,0,0,.08);
  --raised-md:0 1px 0 rgba(255,255,255,.18) inset,0 3px 8px rgba(0,0,0,.22),0 8px 16px rgba(0,0,0,.12);
  --raised-lg:0 2px 0 rgba(255,255,255,.15) inset,0 6px 20px rgba(0,0,0,.35),0 12px 32px rgba(0,0,0,.18);
  --gold-metallic:linear-gradient(145deg,#FFE082 0%,#F5C842 35%,#D4A820 70%,#F5C842 100%);
  --navy-metallic:linear-gradient(160deg,#1a2288 0%,#080B53 40%,#050740 100%);
  --glass-dark:linear-gradient(180deg,rgba(255,255,255,.11) 0%,rgba(255,255,255,.04) 50%,rgba(0,0,0,.06) 100%);
  --paper-texture:repeating-linear-gradient(0deg,transparent,transparent 2px,rgba(8,11,83,.015) 2px,rgba(8,11,83,.015) 3px);
  /* on-dark text hierarchy (WCAG-friendly on navy) */
  --on-dark-primary:#ffffff;
  --on-dark-secondary:rgba(255,255,255,.90);
  --on-dark-body:rgba(255,255,255,.80);
  --on-dark-muted:rgba(255,255,255,.65);
  --on-dark-subtle:rgba(255,255,255,.52);
  --on-dark-border:rgba(255,255,255,.14);
  --on-dark-border-strong:rgba(255,255,255,.22);
  --glass-rim:rgba(147,169,255,.22);
  --glass-rim-strong:rgba(180,198,255,.32);
  --gold-glow:0 0 12px rgba(245,200,66,.25);
}

/* ─── RESET ──────────────────────────────────────────────── */
*{box-sizing:border-box;margin:0;padding:0;-webkit-tap-highlight-color:transparent}
html,body{height:100%;overflow:hidden}
body{
  font-family:var(--body);-webkit-font-smoothing:antialiased;
  background:
    radial-gradient(ellipse 80% 60% at 50% 0%,rgba(26,35,185,.25) 0%,transparent 60%),
  linear-gradient(180deg,#030520 0%,#050740 40%,#080B53 100%);
}

/* ─── APP SHELL ──────────────────────────────────────────── */
.shell{
  position:relative;
  width:100%;max-width:var(--max);
  height:100vh;
  height:100dvh;
  margin:0 auto;
  overflow:hidden;
  background:var(--navy-metallic);
  display:flex;
  flex-direction:column;
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.08),
    inset 0 -1px 0 rgba(0,0,0,.3);
}
.shell::before{
  content:'';position:absolute;inset:0;pointer-events:none;z-index:0;
  background:
    radial-gradient(ellipse 90% 50% at 50% -10%,rgba(255,255,255,.04) 0%,transparent 55%),
    radial-gradient(circle at 1px 1px,rgba(255,255,255,.025) 1px,transparent 0);
  background-size:auto,24px 24px;
}
@media(min-width:520px){
  .shell{
    border-radius:32px;top:50%;transform:translateY(-50%);
    box-shadow:
      0 0 0 1px rgba(255,255,255,.08),
      0 0 0 10px rgba(0,0,0,.35),
      0 0 0 11px rgba(255,255,255,.05),
      0 24px 80px rgba(0,0,0,.45),
      var(--raised-lg);
  }
}

/* ─── PAGE SYSTEM ────────────────────────────────────────── */
.pages{
  flex:1 1 0%;
  min-height:0;
  position:relative;
  overflow:hidden;
}
.page{
  position:absolute;inset:0;
  display:flex;flex-direction:column;
  min-height:0;
  background:var(--navy);
  transform:translateX(100%);
  transition:transform .32s var(--ease),opacity .28s var(--ease);
  opacity:0;
  pointer-events:none;
}
.page.active{transform:none;opacity:1;pointer-events:auto}
.page.leaving{transform:translateX(-6%);opacity:0}
/* dark variant */
.page.dark{background:var(--navy)}
.page.dark::before{
  content:'';position:absolute;inset:0;
  background-image:radial-gradient(circle at 1px 1px,rgba(255,255,255,.035) 1px,transparent 0);
  background-size:28px 28px;
  pointer-events:none;
}
.page.dark::after{
  content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 70% 55% at 50% 0%,rgba(26,35,185,.40) 0%,transparent 70%);
  pointer-events:none;
}

/* Dark pages — typography & surfaces */
.page.dark .ink,.page.dark .display.ink{color:var(--on-dark-primary)}
.page.dark .display.ink,.page.dark .display.white{
  text-shadow:0 1px 2px rgba(0,0,0,.35),0 4px 16px rgba(0,0,0,.15);
}
.page.dark .ink2{color:var(--on-dark-secondary)}
.page.dark .ink3{color:var(--on-dark-muted)}
.page.dark .navy{color:var(--on-dark-primary)}
.page.dark .white45{color:var(--on-dark-muted)}
.page.dark .white70{color:var(--on-dark-body)}
.page.dark .progress-bar{background:rgba(0,0,0,.35);box-shadow:var(--inset-sm);height:3px}
.page.dark .progress-bar-fill{
  background:linear-gradient(90deg,rgba(255,255,255,.85) 0%,#fff 100%);
  box-shadow:0 0 8px rgba(255,255,255,.15);
}
.page.dark .field-label{color:var(--on-dark-muted);font-weight:700}
.page.dark .field-hint{color:var(--on-dark-subtle)}
.page.dark .field-hint.ok{color:#86efac}
.page.dark .field-hint.err{color:#fca5a5}
.page.dark .input{
  background:rgba(0,0,0,.32);border-color:var(--on-dark-border);color:var(--on-dark-primary);
  box-shadow:var(--inset-md);
}
.page.dark .input::placeholder{color:rgba(255,255,255,.48)}
.page.dark .input:focus{
  border-color:rgba(245,200,66,.55);
  box-shadow:var(--inset-md),0 0 0 3px rgba(245,200,66,.18);
}
.page.dark .input-prefix,.page.dark .input-suffix{color:var(--on-dark-muted)}
.page.dark .otp-box{
  background:rgba(0,0,0,.35);border-color:var(--on-dark-border);color:var(--on-dark-primary);
  box-shadow:var(--inset-sm);
}
.page.dark .otp-box.filled{border-color:rgba(255,255,255,.45);background:rgba(255,255,255,.08);box-shadow:var(--inset-sm),0 0 0 2px rgba(255,255,255,.12)}
.page.dark .btn-primary{
  background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);
  color:var(--navy-deep);
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.5);
  text-shadow:none;
}
.page.dark .btn-primary:not(:disabled):hover{
  filter:brightness(1.03);
  box-shadow:var(--raised-lg);
}
.page.dark .btn-primary:not(:disabled):active{
  box-shadow:var(--inset-sm);
  transform:scale(.98);
}
.page.dark .btn-dark{
  background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);
  color:var(--navy);
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.5);
}
.page.dark .btn-dark:not(:disabled):hover{filter:brightness(1.03);box-shadow:var(--raised-lg)}
.page.dark .btn-dark:not(:disabled):active{box-shadow:var(--inset-sm);transform:scale(.98)}
.page.dark .btn-ghost{
  color:#fff;border-color:var(--glass-rim);
  background:
    linear-gradient(180deg,rgba(255,255,255,.08) 0%,transparent 45%),
    rgba(0,0,0,.28);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
}
.page.dark .btn-ghost:not(:disabled):hover{
  background:rgba(255,255,255,.08);border-color:var(--glass-rim-strong);
  box-shadow:var(--raised-md),0 0 12px rgba(147,169,255,.08);
}
.page.dark .btn-accent{
  background:linear-gradient(180deg,rgba(245,200,66,.14) 0%,rgba(0,0,0,.35) 100%);
  color:#F5C842;border-color:rgba(245,200,66,.5);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08),0 0 14px rgba(245,200,66,.1);
}
.page.dark .btn-accent:not(:disabled):hover{
  border-color:rgba(245,200,66,.7);
  box-shadow:var(--raised-md),0 0 22px rgba(245,200,66,.2);
}
.page.dark .card{
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  box-shadow:var(--raised-sm);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
}
.page.dark .card-row{border-color:rgba(255,255,255,.08)}
.page.dark .card-row.tap:active{background:rgba(255,255,255,.06)}
.page.dark .consent-row{
  background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);
}
.page.dark .consent-row.on{border-color:rgba(255,255,255,.28);background:rgba(255,255,255,.06)}
.page.dark .consent-txt .c-title{color:var(--on-dark-primary)}
.page.dark .consent-txt .c-body{color:var(--on-dark-body);line-height:1.55}
.page.dark .up-meta{color:var(--on-dark-muted)}
.page.dark .tab{color:var(--on-dark-muted)}
.page.dark .tab.active{background:rgba(255,255,255,.16);color:var(--on-dark-primary);box-shadow:var(--raised-sm)}
.page.dark .di-ref,.page.dark .dm-label{color:var(--on-dark-muted)}
.page.dark .dm-value{color:var(--on-dark-secondary)}
.page.dark .act-title{color:var(--on-dark-secondary)}
.page.dark .act-sub{color:var(--on-dark-muted)}
.page.dark .act-time{color:var(--on-dark-subtle)}
.page.dark .t-dot{color:var(--on-dark-muted)}
.page.dark .t-sub{color:var(--on-dark-muted)}
.page.dark .compliance{border-color:var(--on-dark-border);color:var(--on-dark-subtle)}
.page.dark .compliance strong{color:var(--on-dark-muted)}
.page.dark .rbi-badge{border-color:var(--on-dark-border);color:var(--on-dark-muted)}
.page.dark .check-step .body-sm{color:var(--on-dark-body)}
.page.dark .tb-step{color:var(--on-dark-muted)}
.page.dark .toggle{background:rgba(0,0,0,.25);border-color:var(--on-dark-border)}
.page.dark .toggle.on{background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);border-color:rgba(255,255,255,.5)}
.page.dark .toggle.on::after{border-color:var(--navy-deep)}
.page.dark .upload-tile{background:rgba(0,0,0,.22);border-color:var(--on-dark-border)}
.page.dark .upload-tile:hover{border-color:rgba(245,200,66,.4);background:rgba(245,200,66,.06)}
.page.dark .upload-tile.done{border-color:var(--green);background:rgba(22,163,74,.14)}
.page.dark .up-name{color:var(--on-dark-primary)}
.page.dark .up-action{color:var(--on-dark-secondary)}
.page.dark .tabs{background:rgba(0,0,0,.28)}
.page.dark .tab.disabled{opacity:.4;pointer-events:none;cursor:not-allowed}
.page.dark .draw-item{background:rgba(0,0,0,.18);border-color:var(--on-dark-border)}
.page.dark .di-amount{color:var(--on-dark-primary)}
.page.dark .di-progress{background:rgba(0,0,0,.3)}
.page.dark .act-item{border-color:rgba(255,255,255,.1)}
.page.dark .tracker-step:not(:last-child)::after{background:rgba(255,255,255,.14)}
.page.dark .t-dot{background:rgba(0,0,0,.25);border-color:var(--on-dark-border)}
.page.dark .t-title{color:var(--on-dark-primary)}
.page.dark .tracker-step.current .t-sub{color:var(--on-dark-body)}
.page.dark .tracker-step.current .t-dot{background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);border-color:rgba(255,255,255,.5);color:var(--navy-deep)}
.page.dark .compliance a{color:var(--on-dark-muted)}
.page.dark .alert-navy{background:rgba(0,0,0,.28);color:var(--on-dark-secondary);border-color:var(--on-dark-border)}
.page.dark .alert-amber{background:rgba(245,158,11,.16);color:#fde68a;border-color:rgba(245,158,11,.28)}
.page.dark .alert-green{background:rgba(22,163,74,.16);color:#bbf7d0;border-color:rgba(22,163,74,.28)}
.page.dark .draw-estimate-card{border-color:rgba(245,158,11,.22)}
.page.dark .bottom-nav{background:var(--navy-deep);border-color:var(--on-dark-border)}
.page-body{flex:1;min-height:0;overflow-y:auto;overflow-x:hidden;-webkit-overflow-scrolling:touch;position:relative;z-index:1}
.page-body--pad{padding:var(--pad-page-y) var(--pad-page)}
.page-body--pad-form{padding:var(--space-7) var(--pad-page) 96px}
.page-body--pad-list{padding:var(--space-5) var(--pad-page) 96px}
.page-body--pad-compact{padding:var(--space-6) var(--pad-page) 96px}
.page-body.center{display:flex;flex-direction:column;align-items:center;justify-content:center}
.page-foot{padding:var(--pad-foot) var(--pad-page) calc(var(--pad-foot) + env(safe-area-inset-bottom));position:relative;z-index:1}
.page-foot.dark-foot{background:transparent}
.page-foot.light-foot{
  background:linear-gradient(0deg,var(--bg) 70%,transparent);
  padding-top:var(--space-7);
}
.pad{padding:0 var(--pad-page)}
.pad-v{padding:var(--space-6)}

/* ─── TOPBAR ─────────────────────────────────────────────── */
.topbar{
  height:60px;display:flex;align-items:center;gap:14px;
  padding:0 var(--pad-page);position:relative;z-index:1;flex-shrink:0;
}
.topbar.dark-bar{color:#fff}
.topbar.light-bar{
  background:var(--surface);
  border-bottom:1px solid var(--border);
}
.tb-back{
  width:36px;height:36px;border-radius:10px;
  display:grid;place-items:center;
  cursor:pointer;transition:all .18s;
}
.topbar.dark-bar .tb-back{
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.1);
  box-shadow:var(--raised-sm);
}
.topbar.dark-bar .tb-back:hover{background:rgba(255,255,255,.12);box-shadow:var(--raised-md)}
.topbar.dark-bar .tb-back:active{box-shadow:var(--inset-sm);transform:scale(.95)}
.topbar.light-bar .tb-back{color:var(--ink)}
.topbar.light-bar .tb-back:hover{background:var(--surface2)}
.tb-logo{display:flex;align-items:center;gap:10px}
.tb-logo .mark{
  width:28px;height:28px;border-radius:7px;
  background:var(--navy);
  display:grid;place-items:center;
  font-family:var(--display);font-size:14px;font-weight:700;color:#fff;letter-spacing:.5px;
}
.topbar.dark-bar .mark{background:rgba(255,255,255,.12)}
.tb-logo .wordmark{font-family:var(--display);font-size:13px;letter-spacing:1.4px;font-weight:600;text-transform:uppercase}
.topbar.dark-bar .wordmark{color:#fff}
.topbar.light-bar .wordmark{color:var(--ink)}
.tb-step{margin-left:auto;font-size:11px;font-weight:500;letter-spacing:.3px;white-space:nowrap}
.topbar.dark-bar .tb-step{color:var(--on-dark-muted)}
.topbar.light-bar .tb-step{color:var(--ink3)}
.tb-spacer{flex:1}

/* Progress bar (below topbar on light pages) */
.progress-bar{height:2px;background:var(--border);position:relative;z-index:1;flex-shrink:0}
.progress-bar-fill{height:100%;background:var(--navy);transition:width .4s var(--ease)}

/* ─── TYPOGRAPHY ─────────────────────────────────────────── */
.display{font-family:var(--display);letter-spacing:.5px;text-transform:uppercase;line-height:1.1;font-weight:600}
.display-xl{font-size:40px;letter-spacing:1.2px}
.display-lg{font-size:30px;letter-spacing:.8px}
.display-md{font-size:24px;letter-spacing:.6px}
.display-sm{font-size:17px;letter-spacing:.5px}
.body-lg{font-size:17px;line-height:1.65}
.body{font-size:16px;line-height:1.6}
.body-sm{font-size:14px;line-height:1.6}
.body-xs{font-size:12px;line-height:1.5}
.label{font-size:11px;font-weight:600;letter-spacing:.75px;text-transform:uppercase}
.ink{color:var(--ink)}.ink2{color:var(--ink2)}.ink3{color:var(--ink3)}
.white{color:#fff}.white70{color:var(--on-dark-body)}.white45{color:var(--on-dark-muted)}
.text-muted{color:var(--on-dark-muted)}.text-subtle{color:var(--on-dark-subtle)}.text-body-on-dark{color:var(--on-dark-body)}
.navy{color:var(--navy)}

/* ─── SPACING ────────────────────────────────────────────── */
.mt4{margin-top:var(--space-1)}.mt8{margin-top:var(--space-2)}.mt12{margin-top:var(--space-3)}.mt16{margin-top:var(--space-4)}
.mt20{margin-top:var(--space-5)}.mt24{margin-top:var(--space-6)}.mt32{margin-top:var(--space-7)}.mt40{margin-top:var(--space-8)}
.mb4{margin-bottom:var(--space-1)}.mb8{margin-bottom:var(--space-2)}.mb10{margin-bottom:10px}.mb12{margin-bottom:var(--space-3)}.mb16{margin-bottom:var(--space-4)}
.mb24{margin-bottom:var(--space-6)}
.stack{display:flex;flex-direction:column}
.stack-4{gap:var(--space-1)}.stack-8{gap:var(--space-2)}.stack-10{gap:10px}.stack-12{gap:var(--space-4)}.stack-16{gap:var(--space-5)}.stack-20{gap:var(--space-6)}.stack-24{gap:var(--space-6)}
.row{display:flex;align-items:center}.row-4{gap:var(--space-1)}.row-8{gap:var(--space-2)}.row-10{gap:10px}.row-12{gap:var(--space-3)}.row-16{gap:var(--space-4)}
.spread{justify-content:space-between}
.center{text-align:center}

/* ─── BUTTONS ────────────────────────────────────────────── */
.btn{
  height:56px;border-radius:var(--r);padding:0 var(--space-6);
  font-family:var(--body);font-size:16px;font-weight:600;
  display:flex;align-items:center;justify-content:center;gap:10px;
  cursor:pointer;border:none;width:100%;
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),filter .18s var(--ease),background .18s var(--ease),border-color .18s var(--ease);
  letter-spacing:.2px;
  position:relative;
  isolation:isolate;
}
.btn:disabled{opacity:.38;cursor:not-allowed;filter:grayscale(.3)}
.btn:not(:disabled):active{transform:scale(.98)}
.btn-dark{
  background:
    linear-gradient(180deg,rgba(255,255,255,.22) 0%,transparent 42%),
    linear-gradient(180deg,#fff 0%,#e8e9f0 100%);
  color:var(--navy);
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.6);
}
.btn-dark:not(:disabled):hover{filter:brightness(1.03);box-shadow:var(--raised-lg)}
.btn-dark:not(:disabled):active{box-shadow:var(--inset-sm)}
.btn-primary{
  background:
    linear-gradient(180deg,rgba(255,255,255,.14) 0%,transparent 48%),
    var(--navy-metallic);
  color:#fff;
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.12);
  text-shadow:0 1px 2px rgba(0,0,0,.2);
}
.btn-primary:not(:disabled):hover{
  filter:brightness(1.15);
  box-shadow:var(--raised-lg);
}
.btn-primary:not(:disabled):active{box-shadow:var(--inset-md)}
.btn-ghost{
  background:
    linear-gradient(180deg,rgba(255,255,255,.12) 0%,transparent 45%),
    var(--glass-dark);
  color:var(--navy);border:1.5px solid var(--border-strong);
  height:44px;font-size:14px;
  box-shadow:var(--raised-sm);
}
.btn-ghost:not(:disabled):hover{background:var(--surface2);box-shadow:var(--raised-md);border-color:rgba(8,11,83,.22)}
.btn-ghost:not(:disabled):active{box-shadow:var(--inset-sm)}
.btn-accent{
  background:
    linear-gradient(180deg,rgba(255,255,255,.18) 0%,transparent 45%),
    linear-gradient(180deg,rgba(245,200,66,.18) 0%,rgba(245,158,11,.08) 100%);
  color:var(--gold-light);
  border:1px solid rgba(245,200,66,.45);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.12),0 0 16px rgba(245,200,66,.12);
  text-shadow:0 1px 2px rgba(0,0,0,.25);
}
.btn-accent:not(:disabled):hover{
  border-color:rgba(245,200,66,.65);
  box-shadow:var(--raised-md),0 0 20px rgba(245,200,66,.22);
  filter:brightness(1.06);
}
.btn-accent:not(:disabled):active{box-shadow:var(--inset-sm),0 0 8px rgba(245,200,66,.15)}
.btn-sm{height:38px;font-size:13px;border-radius:var(--r-sm);padding:0 16px;width:auto}
.btn-pill{border-radius:999px;height:auto;min-height:36px;padding:8px 18px;font-size:12px;width:auto}

/* ─── INPUTS ─────────────────────────────────────────────── */
.field{display:flex;flex-direction:column;gap:10px}
.field-label{font-size:12px;font-weight:600;color:var(--ink3);letter-spacing:.5px;text-transform:uppercase}
.input-wrap{position:relative}
.input{
  height:56px;width:100%;padding:0 18px;
  border:1.5px solid var(--border-strong);border-radius:var(--r);
  background:var(--surface2);color:var(--ink);
  font-family:var(--body);font-size:16px;
  outline:none;transition:border .18s,box-shadow .18s;
  box-shadow:var(--inset-sm);
}
.input::placeholder{color:var(--ink3)}
.input:focus{
  border-color:var(--navy);
  background:var(--surface);
  box-shadow:var(--inset-sm),0 0 0 3px rgba(8,11,83,.08);
}
.input-prefix{
  position:absolute;left:16px;top:50%;transform:translateY(-50%);
  font-size:16px;font-weight:600;color:var(--ink2);pointer-events:none;
}
.has-prefix .input{padding-left:36px}
.input-suffix{
  position:absolute;right:14px;top:50%;transform:translateY(-50%);
  display:flex;align-items:center;
}
.field-hint{font-size:12px;color:var(--ink3)}
.field-hint.ok{color:var(--green);display:flex;align-items:center;gap:4px}
.field-hint.err{color:var(--red)}
.input.ok{border-color:var(--green)}
.input.err{border-color:var(--red)}
select.input{-webkit-appearance:none;appearance:none;cursor:pointer}

/* OTP */
.otp-wrap{display:flex;gap:12px;justify-content:center}
.otp-box{
  width:50px;height:62px;text-align:center;
  border:1.5px solid var(--border-strong);border-radius:var(--r-sm);
  font-family:var(--display);font-size:24px;font-weight:500;color:var(--ink);
  background:var(--surface2);outline:none;
  transition:border .18s,box-shadow .18s;
  box-shadow:var(--inset-sm);
}
.otp-box:focus{border-color:var(--navy);box-shadow:var(--inset-sm),0 0 0 3px rgba(8,11,83,.08)}
.otp-box.filled{
  border-color:var(--navy);
  background:rgba(8,11,83,.04);
  box-shadow:var(--inset-sm),0 0 8px rgba(8,11,83,.08);
}

/* ─── CARDS ──────────────────────────────────────────────── */
.card{
  background:var(--surface);
  border-radius:var(--r);
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.8);
  overflow:hidden;
}
.card-pad{padding:24px}
.card-row{
  padding:18px 24px;border-bottom:1px solid var(--border);
  display:flex;align-items:center;justify-content:space-between;gap:14px;
  flex-wrap:wrap;
}
.card-row > *{min-width:0}
.card-row:last-child{border:none}
.card-row.tap{cursor:pointer;transition:background .15s}
.card-row.tap:active{background:var(--surface2)}

/* Limit card (dark) — credit card skeuomorphism */
.limit-card{
  background:
    linear-gradient(135deg,rgba(255,255,255,.08) 0%,transparent 50%),
    linear-gradient(160deg,#1a2288 0%,var(--navy-deep) 45%,#030520 100%);
  border-radius:var(--r-lg);padding:22px;color:#fff;position:relative;overflow:hidden;
  box-shadow:var(--raised-lg);
  border:1px solid rgba(255,255,255,.12);
}
.limit-card::before{
  content:'';position:absolute;top:-60px;right:-60px;
  width:200px;height:200px;
  background:radial-gradient(circle,rgba(245,200,66,.15) 0%,transparent 70%);
}
.limit-card::after{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:
    repeating-linear-gradient(90deg,transparent,transparent 3px,rgba(255,255,255,.015) 3px,rgba(255,255,255,.015) 4px),
    radial-gradient(ellipse 100% 80% at 0% 100%,rgba(245,200,66,.06) 0%,transparent 50%);
}
.lc-bar{
  height:4px;background:rgba(0,0,0,.35);border-radius:2px;margin-top:18px;overflow:hidden;
  box-shadow:var(--inset-sm);
}
.lc-bar-fill{
  height:100%;
  background:var(--gold-metallic);
  border-radius:2px;
  box-shadow:0 0 6px rgba(245,200,66,.5);
}
.lc-meta{display:flex;gap:0;margin-top:16px}
.lc-meta-item{flex:1;padding-right:12px}
.lc-meta-item:not(:last-child){border-right:1px solid rgba(255,255,255,.10);margin-right:12px}
.lc-meta-label{font-size:11px;opacity:.55;letter-spacing:.45px;text-transform:uppercase;line-height:1.35}
.lc-meta-value{font-size:13px;font-weight:600;margin-top:3px;letter-spacing:.2px}

/* ─── PILL / BADGE ───────────────────────────────────────── */
.pill{
  display:inline-flex;align-items:center;gap:3px;
  height:22px;padding:0 9px;border-radius:11px;
  font-size:11px;font-weight:600;letter-spacing:.3px;text-transform:uppercase;
  box-shadow:var(--raised-sm);
  border:1px solid rgba(255,255,255,.25);
}
.pill-green{background:var(--green-soft);color:var(--green);border-color:rgba(22,163,74,.25)}
.pill-amber{
  background:linear-gradient(180deg,rgba(245,158,11,.16) 0%,rgba(245,158,11,.08) 100%);
  color:#F59E0B;border-color:rgba(245,158,11,.35);
  box-shadow:var(--raised-sm),0 0 10px rgba(245,158,11,.12);
}
.pill-red{background:var(--red-soft);color:var(--red);border-color:rgba(220,38,38,.2)}
.pill-navy{background:rgba(8,11,83,.08);color:var(--navy);border-color:rgba(8,11,83,.12)}
.pill-grey{background:#eee;color:var(--ink2);border-color:rgba(0,0,0,.06)}
.page.dark .pill-amber{
  background:linear-gradient(180deg,rgba(245,158,11,.18) 0%,rgba(0,0,0,.25) 100%);
  color:#FBBF24;border-color:rgba(245,158,11,.45);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06),0 0 12px rgba(245,158,11,.15);
}
.page.dark .pill-navy{
  background:rgba(255,255,255,.1);color:var(--on-dark-body);
  border-color:var(--glass-rim);
}

/* ─── UPLOAD TILE ────────────────────────────────────────── */
.upload-tile{
  border:1.5px dashed var(--border-strong);border-radius:var(--r);
  padding:18px 20px;display:flex;align-items:center;gap:16px;
  background:var(--surface2);cursor:pointer;transition:all .18s;
  box-shadow:var(--inset-sm);
}
.upload-tile:hover{
  border-color:var(--navy);
  background:var(--surface);
  box-shadow:var(--raised-sm);
  transform:translateY(-1px);
}
.upload-tile.done{
  border-style:solid;border-color:var(--green);
  background:var(--green-soft);
  box-shadow:var(--raised-sm);
}
.up-icon{
  width:38px;height:38px;border-radius:9px;flex-shrink:0;
  display:grid;place-items:center;
  font-size:10px;font-weight:700;letter-spacing:.02em;
}
.upload-tile .up-icon{background:rgba(8,11,83,.06);color:var(--navy)}
.upload-tile.done .up-icon{background:rgba(22,163,74,.12);color:var(--green)}
.up-name{font-weight:600;font-size:14px;color:var(--ink)}
.up-meta{font-size:12px;color:var(--ink3);margin-top:2px}
.up-action{margin-left:auto;font-size:13px;font-weight:600;color:var(--navy);flex-shrink:0}
.upload-tile.done .up-action{color:var(--green)}

/* KYC checklist + iOS segmented control */
.kyc-checklist{display:flex;flex-direction:column;gap:12px}
.kyc-checklist__row{
  padding:14px 16px;border-radius:var(--r);
  border:1px solid var(--on-dark-border);
  background:rgba(0,0,0,.18);
  display:flex;flex-direction:column;gap:12px;
}
.kyc-checklist__name{font-weight:600;font-size:14px;color:var(--on-dark-primary);line-height:1.35}
.kyc-checklist__meta{font-size:12px;color:var(--on-dark-muted);margin-top:2px}
.segmented{
  display:flex;width:100%;padding:3px;border-radius:10px;
  background:rgba(0,0,0,.35);border:1px solid var(--on-dark-border);
  box-shadow:var(--inset-sm);
}
.segmented__btn{
  flex:1;min-width:0;border:0;border-radius:8px;padding:8px 6px;
  font-size:11px;font-weight:600;line-height:1.2;
  color:var(--on-dark-muted);background:transparent;cursor:pointer;
  transition:background .15s,color .15s,box-shadow .15s;
}
.segmented__btn--active{
  color:var(--navy-deep);
  background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);
  box-shadow:var(--raised-sm);
}
.segmented__btn:focus-visible{outline:2px solid var(--gold);outline-offset:1px}
html.pc-mode .kyc-checklist__row{
  flex-direction:row;align-items:center;justify-content:space-between;gap:20px;
}
html.pc-mode .kyc-checklist__label{flex:1;min-width:0}
html.pc-mode .segmented{max-width:320px;flex-shrink:0}

/* Consent toggle row */
.consent-row{
  padding:20px 22px;border-radius:var(--r);border:1.5px solid var(--border);
  background:var(--surface);display:flex;gap:16px;align-items:flex-start;
  cursor:pointer;transition:all .18s;
  box-shadow:var(--raised-sm);
}
.consent-row.on{
  border-color:var(--navy);
  background:rgba(8,11,83,.02);
  box-shadow:var(--raised-md),0 0 0 1px rgba(8,11,83,.08);
}
.toggle{
  width:22px;height:22px;border-radius:6px;flex-shrink:0;margin-top:1px;
  border:1.5px solid var(--border-strong);background:var(--surface2);
  display:grid;place-items:center;transition:all .18s;
  box-shadow:var(--inset-sm);
}
.toggle.on{
  background:var(--navy-metallic);
  border-color:var(--navy);
  box-shadow:var(--raised-sm);
}
.toggle.on::after{content:'';width:5px;height:10px;border:2px solid #fff;border-top:none;border-left:none;transform:rotate(45deg) translate(-1px,-1px)}
.consent-txt{flex:1;min-width:0}
.consent-txt .c-title{font-weight:600;font-size:15px;color:var(--ink);margin-bottom:6px;line-height:1.35}
.consent-txt .c-body{font-size:14px;color:var(--ink2);line-height:1.65;overflow-wrap:anywhere}

/* ─── STATUS TRACKER ─────────────────────────────────────── */
.tracker{display:flex;flex-direction:column;gap:0;padding:0 24px}
.tracker-step{display:flex;gap:16px;position:relative}
.tracker-step:not(:last-child)::after{
  content:'';position:absolute;left:16px;top:34px;bottom:-4px;
  width:2px;background:var(--border);
}
.tracker-step.done:not(:last-child)::after{background:var(--green)}
.tracker-step.current:not(:last-child)::after{
  background:linear-gradient(to bottom,var(--navy) 0%,var(--border) 100%);
}
.tracker-step{padding:14px 0}
.t-dot{
  width:38px;height:38px;border-radius:50%;flex-shrink:0;
  display:grid;place-items:center;border:2px solid var(--border);
  background:var(--surface2);color:var(--ink3);font-size:13px;font-weight:600;
  transition:all .3s;position:relative;z-index:1;
  box-shadow:var(--raised-sm);
}
.tracker-step.done .t-dot{
  background:linear-gradient(145deg,#22c55e,#16A34A);
  border-color:#15803d;color:#fff;
  box-shadow:var(--raised-sm),0 0 8px rgba(22,163,74,.3);
}
.tracker-step.current .t-dot{
  background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);
  border-color:rgba(255,255,255,.5);color:var(--navy-deep);
  box-shadow:var(--raised-md);
}
.t-content{flex:1;padding-top:8px}
.t-title{font-weight:600;font-size:15px;color:var(--ink)}
.tracker-step:not(.done):not(.current) .t-title{color:var(--ink3)}
.t-sub{font-size:13px;color:var(--ink3);margin-top:5px}
.tracker-step.current .t-sub{color:var(--navy);font-weight:500}

/* ─── ALLOTTED PRODUCT (single facility per borrower) ─────── */
.allotted-product-card{
  padding:18px 20px;border-radius:var(--r);
  border:1px solid rgba(245,200,66,.35);
  background:linear-gradient(180deg,rgba(245,200,66,.14) 0%,rgba(245,200,66,.06) 100%);
  box-shadow:var(--raised-sm),0 0 12px rgba(245,200,66,.12);
}
.allotted-product-card--pending{
  border-color:rgba(255,255,255,.12);
  background:var(--glass-dark);
  box-shadow:var(--inset-sm);
}
.apc-eyebrow{
  font-size:10px;letter-spacing:.55px;text-transform:uppercase;
  color:rgba(255,255,255,.45);margin-bottom:8px;
}
.apc-name{
  font-family:var(--display);font-size:20px;font-weight:700;
  color:var(--gold);letter-spacing:.3px;line-height:1.25;
}
.allotted-facility-strip{
  display:flex;align-items:center;gap:14px;
  padding:14px 16px;border-radius:var(--r-sm);
  background:rgba(8,11,83,.06);border:1px solid var(--border);
}
.afs-badge{
  flex-shrink:0;width:40px;height:40px;border-radius:10px;
  background:var(--navy);color:var(--gold);
  font-family:var(--display);font-size:18px;font-weight:700;
  display:grid;place-items:center;
}
.afs-name{font-weight:700;font-size:15px;color:var(--navy);line-height:1.25}
.afs-sub{font-size:11px;color:var(--ink3);margin-top:3px;line-height:1.35}
.draw-product-badge{
  display:inline-block;margin-left:8px;padding:2px 8px;border-radius:10px;
  font-size:10px;font-weight:600;letter-spacing:.3px;vertical-align:middle;
  background:rgba(255,255,255,.1);color:rgba(255,255,255,.55);
}
html:not(.pc-mode) [data-id="draw-new"] .allotted-facility-strip .afs-name{color:#fff}
html:not(.pc-mode) [data-id="draw-new"] .allotted-facility-strip .afs-sub{color:rgba(255,255,255,.4)}
html:not(.pc-mode) [data-id="draw-new"] .allotted-facility-strip{
  background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.1);
}
.dash-product-label{letter-spacing:.35px}

/* Product detail (allotted terms) */
.product-detail{
  margin-top:16px;padding:18px 20px;border-radius:var(--r);
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.10);
  box-shadow:var(--inset-sm);
}
.pd-row{display:flex;justify-content:space-between;align-items:center;padding:7px 0}
.pd-label{font-size:12px;color:rgba(255,255,255,.5)}
.pd-value{font-size:13px;font-weight:600;color:#fff}

/* ─── DRAW ITEM ──────────────────────────────────────────── */
.draw-item{
  background:var(--glass-dark);
  border-radius:var(--r);padding:20px 22px;
  border:1px solid var(--glass-rim);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.04);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
}
.di-top{display:flex;justify-content:space-between;align-items:flex-start;gap:var(--space-3);flex-wrap:wrap}
.di-top > *{min-width:0}
.di-amount{font-family:var(--display);font-size:20px;color:var(--ink);letter-spacing:.3px}
.di-ref{font-size:11px;color:var(--ink3);margin-top:3px}
.di-meta{display:flex;gap:16px;margin-top:10px;flex-wrap:wrap}
.di-meta-block .dm-label{font-size:11px;color:var(--ink3);text-transform:uppercase;letter-spacing:.35px;line-height:1.35}
.di-meta-block .dm-value{font-size:13px;font-weight:600;color:var(--ink);margin-top:2px}
.di-progress{
  height:4px;background:rgba(0,0,0,.25);border-radius:2px;margin-top:12px;overflow:hidden;
  box-shadow:var(--inset-sm);
}
.di-fill{height:100%;border-radius:2px;box-shadow:0 0 4px rgba(245,200,66,.3)}

/* Quick actions */
.qa-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:16px}
.qa{
  background:var(--glass-dark);
  border-radius:var(--r-sm);padding:14px 8px;
  display:flex;flex-direction:column;align-items:center;gap:7px;
  cursor:pointer;border:1px solid var(--glass-rim);transition:all .18s;
  box-shadow:var(--raised-sm);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
}
.qa:hover{border-color:var(--glass-rim-strong);transform:translateY(-2px);box-shadow:var(--raised-md),0 0 14px rgba(147,169,255,.08)}
.qa:active{box-shadow:var(--inset-sm);transform:translateY(0)}
.qa-icon{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(145deg,rgba(255,255,255,.12) 0%,rgba(0,0,0,.15) 100%);
  display:grid;place-items:center;color:var(--navy);font-size:18px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.1);
  border:1px solid var(--glass-rim);
}
.page.dark .qa{
  background:var(--glass-dark);
  border-color:var(--glass-rim);
}
.page.dark .qa-icon{
  background:linear-gradient(145deg,rgba(26,35,185,.35) 0%,rgba(0,0,0,.25) 100%);
  color:#fff;border-color:var(--glass-rim);
}
.qa-label{font-size:11px;font-weight:600;color:var(--ink2);text-align:center;line-height:1.2}
.page.dark .qa-label{color:var(--on-dark-muted)}

/* ─── ACTIVITY ITEM ──────────────────────────────────────── */
.act-item{
  display:flex;align-items:center;gap:12px;padding:13px 0;
  border-bottom:1px solid var(--border);
}
.act-item:last-child{border:none}
.act-dot{
  width:34px;height:34px;border-radius:10px;flex-shrink:0;
  display:grid;place-items:center;font-size:16px;
}
.act-body{flex:1;min-width:0;overflow:hidden}
.act-title{font-size:14px;font-weight:600;color:var(--ink)}
.act-sub{font-size:12px;color:var(--ink3);margin-top:2px}
.act-time{font-size:11px;color:var(--ink3);flex-shrink:0}

/* ─── BOTTOM NAV ─────────────────────────────────────────── */
.bottom-nav{
  position:absolute;
  bottom:0;
  left:0;
  right:0;
  width:100%;
  height:calc(var(--nav-height) + env(safe-area-inset-bottom));
  padding-bottom:env(safe-area-inset-bottom);
  background:linear-gradient(180deg,#12132a 0%,#0D0E1A 100%);
  border-top:1px solid rgba(255,255,255,.08);
  display:none;
  flex-direction:row;
  align-items:stretch;
  box-shadow:0 -4px 20px rgba(0,0,0,.35),inset 0 1px 0 rgba(255,255,255,.05);
  z-index:20;
  flex-shrink:0;
}
.bottom-nav.show{display:flex}
.shell.has-bottom-nav .page.active .page-body{
  padding-bottom:var(--pad-scroll-bottom)!important;
}
.bn-item{
  flex:1;display:flex;flex-direction:column;align-items:center;justify-content:flex-end;
  gap:6px;cursor:pointer;color:rgba(255,255,255,.28);transition:all .2s;
  font-size:11px;font-weight:600;letter-spacing:.2px;
  position:relative;
  padding:10px 4px 8px;
  min-height:0;
}
.bn-item.active{color:#fff}
.bn-item.active::before{
  content:'';position:absolute;bottom:0;left:50%;transform:translateX(-50%);
  width:28px;height:2px;border-radius:2px 2px 0 0;
  background:rgba(255,255,255,.9);
  box-shadow:none;
}
.bn-item.active .bn-icon{opacity:1;color:#fff}
.bn-icon{
  font-size:11px;font-weight:700;line-height:1;
  height:16px;display:flex;align-items:center;justify-content:center;
  opacity:.5;letter-spacing:.02em;transition:all .2s;
  flex-shrink:0;
}
.bn-item[data-nav="dash-draws"] .bn-icon,
.bn-item[data-nav="dash-repayments"] .bn-icon{font-size:15px;font-weight:400}
.bn-item:active .bn-icon{transform:scale(.9)}

/* ─── PIN KEYPAD ─────────────────────────────────────────── */
.pin-key{
  height:64px;border-radius:16px;border:none;cursor:pointer;
  background:linear-gradient(180deg,rgba(255,255,255,.14) 0%,rgba(255,255,255,.06) 50%,rgba(0,0,0,.08) 100%);
  color:#fff;
  font-family:var(--display);font-size:22px;font-weight:500;letter-spacing:.5px;
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1px;
  transition:all .12s;position:relative;
  box-shadow:var(--raised-md);
  border:1px solid rgba(255,255,255,.12);
  text-shadow:0 1px 2px rgba(0,0,0,.3);
}
.pin-key:active{
  background:linear-gradient(180deg,rgba(0,0,0,.15) 0%,rgba(255,255,255,.04) 100%);
  box-shadow:var(--inset-md);
  transform:scale(.96);
}
.pin-key-light{
  background:linear-gradient(180deg,#fff 0%,var(--surface2) 100%);
  color:var(--ink);
  border:1px solid var(--border);
  box-shadow:var(--raised-sm);
  text-shadow:none;
}
.pin-key-light:active{background:var(--surface2);box-shadow:var(--inset-sm);transform:scale(.96)}
.pin-key-sub{
  font-family:var(--body);font-size:8px;font-weight:600;
  letter-spacing:.8px;color:rgba(255,255,255,.3);text-transform:uppercase;line-height:1;
}
.pin-dot{
  width:14px;height:14px;border-radius:50%;
  border:1.5px solid rgba(255,255,255,.25);
  transition:all .15s;
  box-shadow:var(--inset-sm);
}
.pin-dot.filled{
  background:#fff!important;
  border-color:#fff!important;
  box-shadow:0 0 8px rgba(255,255,255,.35)!important;
}
.dot-filled{background:#fff !important;border-color:#fff !important;box-shadow:0 0 8px rgba(255,255,255,.4)!important}
.dot-filled-dark{background:var(--navy) !important;border-color:var(--navy) !important}

/* ─── KFS TABLE ──────────────────────────────────────────── */
.kfs-doc{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--r);
  padding:20px;
  font-size:13px;line-height:1.6;
  box-shadow:var(--raised-lg),0 0 0 1px rgba(255,255,255,.5);
  background-image:var(--paper-texture);
  position:relative;
}
.kfs-doc::before{
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:var(--navy-metallic);
  border-radius:var(--r) var(--r) 0 0;
}
.kfs-head{text-align:center;padding-bottom:16px;border-bottom:2px solid var(--navy);margin-bottom:16px}
.kfs-head .kfs-title{font-family:var(--display);font-size:15px;letter-spacing:1px;color:var(--navy)}
.kfs-head .kfs-sub{font-size:11px;color:var(--ink3);margin-top:4px}
.kfs-section{margin-bottom:14px}
.kfs-section-title{font-family:var(--display);font-size:12px;letter-spacing:.7px;color:var(--navy);margin-bottom:8px;text-transform:uppercase}
.kfs-row{display:flex;flex-wrap:wrap;gap:4px 12px;padding:10px 0;border-bottom:1px solid var(--border);align-items:flex-start}
.kfs-row:last-child{border:none}
.kfs-label{flex:1 1 42%;min-width:120px;color:var(--ink2);font-size:12.5px;line-height:1.45}
.kfs-value{flex:1 1 48%;min-width:0;color:var(--ink);font-weight:500;font-size:12.5px;line-height:1.45;overflow-wrap:anywhere}

/* ─── TABS ───────────────────────────────────────────────── */
.tabs{
  display:flex;
  background:rgba(0,0,0,.2);
  border-radius:var(--r-sm);
  padding:5px;gap:4px;
  box-shadow:var(--inset-sm);
  border:1px solid rgba(255,255,255,.06);
}
.tab{
  flex:1;min-width:0;min-height:var(--touch-min);
  display:grid;place-items:center;border-radius:8px;
  padding:6px 8px;
  font-size:14px;font-weight:500;color:var(--ink3);cursor:pointer;transition:all .18s;
  line-height:1.25;text-align:center;white-space:normal;
}
.tab.active{
  background:var(--glass-dark);
  color:#fff;
  font-weight:600;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08);
  border:1px solid var(--glass-rim);
}
.tab:not(.active):active{box-shadow:var(--inset-sm)}

/* ─── ALERT ──────────────────────────────────────────────── */
.alert{border-radius:var(--r-sm);padding:16px 18px;display:flex;gap:12px;align-items:flex-start;box-shadow:var(--raised-sm);border:1px solid transparent}
.alert-navy{background:rgba(8,11,83,.06);color:var(--navy);border-color:rgba(8,11,83,.08)}
.alert-amber{background:var(--amber-soft);color:#92400E;border-color:rgba(217,119,6,.15)}
.alert-green{background:var(--green-soft);color:#14532D;border-color:rgba(22,163,74,.15)}
.page.dark .alert-navy{background:rgba(0,0,0,.25);color:rgba(255,255,255,.9);border-color:rgba(255,255,255,.08);box-shadow:var(--inset-sm)}
.page.dark .alert-amber{background:rgba(245,158,11,.12);color:#fcd34d;border-color:rgba(245,158,11,.2)}
.page.dark .alert-green{background:rgba(22,163,74,.12);color:#86efac;border-color:rgba(22,163,74,.2)}
.alert-icon{font-size:16px;flex-shrink:0;margin-top:1px}
.alert-body .a-title{font-weight:600;font-size:13px;margin-bottom:2px}
.alert-body .a-text{font-size:12.5px;line-height:1.5}

/* ─── LOADING DOTS ───────────────────────────────────────── */
.dots{display:flex;gap:6px;align-items:center;justify-content:center}
.dot{width:8px;height:8px;border-radius:50%;background:currentColor;animation:dotpulse 1.4s ease-in-out infinite}
.dot:nth-child(2){animation-delay:.2s}
.dot:nth-child(3){animation-delay:.4s}
@keyframes dotpulse{0%,80%,100%{opacity:.25;transform:scale(.8)}40%{opacity:1;transform:scale(1)}}

/* check animation */
.check-icon{
  width:72px;height:72px;border-radius:50%;display:grid;place-items:center;margin:0 auto;
  background:rgba(22,163,74,.12);color:var(--green);font-size:36px;
  animation:popIn .5s cubic-bezier(.34,1.56,.64,1);
  box-shadow:var(--raised-md),0 0 20px rgba(22,163,74,.2);
  border:2px solid rgba(22,163,74,.2);
}
.check-icon.gold-bg{background:rgba(245,200,66,.15);color:var(--gold);font-size:42px}
@keyframes popIn{from{transform:scale(0);opacity:0}to{transform:scale(1);opacity:1}}

/* Counter animation */
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
.fade-up{animation:fadeUp .5s var(--ease) backwards}
.fade-up-d1{animation-delay:.1s}
.fade-up-d2{animation-delay:.2s}
.fade-up-d3{animation-delay:.3s}
.fade-up-d4{animation-delay:.4s}
.fade-up-d5{animation-delay:.5s}
.fade-up-d6{animation-delay:.6s}

/* Compliance footer */
.compliance{padding:20px 24px 8px;font-size:10.5px;color:var(--ink3);line-height:1.6;border-top:1px solid var(--border);margin-top:24px}
.compliance strong{color:var(--ink2)}
.rbi-badge{
  display:inline-flex;align-items:center;gap:5px;
  border:1px solid var(--border);border-radius:5px;
  padding:3px 8px;font-size:10px;letter-spacing:.4px;text-transform:uppercase;color:var(--ink3);
  margin-top:8px;
}
/* DEV */
.dev{position:fixed;top:8px;right:8px;z-index:999;background:rgba(0,0,0,.85);border-radius:8px;padding:6px 10px;display:flex;gap:6px}
.dev button{
  color:#fff;font-size:11px;
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  border-radius:6px;padding:4px 10px;cursor:pointer;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  transition:background .15s,box-shadow .15s,border-color .15s;
}
.dev button:hover{background:rgba(255,255,255,.12);border-color:var(--glass-rim-strong);box-shadow:var(--raised-md)}
.dev button:active{box-shadow:var(--inset-sm)}

.api-status-banner{
  margin:0 0 16px;padding:12px 14px;border-radius:var(--r-sm);
  background:rgba(220,38,38,.12);border:1px solid rgba(220,38,38,.35);
  color:#FECACA;font-size:13px;line-height:1.5;text-align:center;
}

/* ─── PC MODE TOGGLE ─────────────────────────────────────── */
.pc-mode-toggle{
  position:fixed;top:12px;right:12px;z-index:998;
  height:32px;padding:0 12px;border-radius:8px;border:1px solid rgba(255,255,255,.2);
  background:rgba(8,11,83,.92);color:#fff;font-size:11px;font-weight:600;
  letter-spacing:.4px;cursor:pointer;transition:background .18s,border-color .18s;
  font-family:var(--body);
}
.pc-mode-toggle:hover{background:rgba(26,35,185,.95);border-color:rgba(255,255,255,.35)}
.pc-mode-toggle[aria-pressed="true"]{
  background:rgba(245,200,66,.15);border-color:var(--gold);color:var(--gold);
}
.pc-mode-toggle[hidden]{display:none!important}
@media(max-width:767px){
  .pc-mode-toggle{display:none!important}
}
body:has(.dev:not([style*="display: none"])) .pc-mode-toggle{top:48px}

/* ─── PC MODE LAYOUT ─────────────────────────────────────── */
html.pc-mode .shell{
  max-width:var(--max-pc);
  border-radius:16px;
  min-height:min(720px,92vh);
}
@media(min-width:520px){
  html.pc-mode .shell{top:50%;transform:translateY(-50%)}
}

/* Global PC readability */
html.pc-mode .page-body{
  line-height:1.55;
}
html.pc-mode .body-sm{font-size:14px;line-height:1.55}
html.pc-mode .body-xs{font-size:12.5px}
html.pc-mode .field-label{font-size:12.5px;letter-spacing:.02em}
html.pc-mode .field-hint{font-size:12.5px;line-height:1.45}
html.pc-mode .input{font-size:15px}
html.pc-mode .display.display-md{font-size:26px}
html.pc-mode .display.display-lg{font-size:32px}
html.pc-mode .topbar{padding:0 var(--pad-pc-sm)}

.pc-content{width:100%;margin:0 auto;box-sizing:border-box}
.pc-content--narrow{max-width:var(--content-narrow)}
.pc-content--form{max-width:var(--content-form)}
.pc-content--wide{max-width:var(--content-read);margin:0 auto}

html.pc-mode .pc-grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
html.pc-mode .pc-grid-2-1{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(280px,1fr);gap:32px;align-items:start}
html.pc-mode .pc-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
/* Shared page padding (except dashboard grid) */
html.pc-mode [data-layout]:not([data-layout="dashboard"]) .page-body{
  padding-left:var(--pad-pc)!important;
  padding-right:var(--pad-pc)!important;
  padding-top:var(--space-7)!important;
  padding-bottom:104px!important;
}
html.pc-mode [data-layout="center"] .page-body.center{
  padding-top:var(--space-9)!important;
  padding-bottom:var(--space-8)!important;
}

/* center */
html.pc-mode [data-layout="center"] .page-body{align-items:center}
html.pc-mode [data-layout="center"] .page-body > .pc-content{
  max-width:var(--content-narrow);
}
html.pc-mode [data-layout="center"] .page-body > :not(.pc-content){
  max-width:var(--content-narrow);
  width:100%;
  box-sizing:border-box;
}

/* auth */
html.pc-mode [data-layout="auth"] .page-body{
  display:flex;flex-direction:column;align-items:center;
}
html.pc-mode [data-layout="auth"] .pc-content{
  max-width:var(--content-narrow);
  width:100%;
}
html.pc-mode [data-layout="auth"] .otp-wrap{justify-content:center;gap:14px}
html.pc-mode [data-layout="auth"] .otp-box{width:52px;height:56px;font-size:22px}

/* form */
html.pc-mode [data-layout="form"] .pc-content{
  max-width:var(--content-form);
  margin:0 auto;
}
html.pc-mode [data-layout="form"] .pc-content > .display,
html.pc-mode [data-layout="form"] .pc-content > .body-sm,
html.pc-mode [data-layout="form"] .pc-content > .progress-bar,
html.pc-mode [data-layout="form"] .pc-content > .alert{margin-bottom:0}
html.pc-mode [data-layout="form"] .pc-content > .display + .body-sm{margin-top:8px}
html.pc-mode [data-layout="form"] .page-body .stack.stack-16{
  display:grid;grid-template-columns:1fr 1fr;gap:20px 24px;
  margin-top:28px;
}
html.pc-mode [data-layout="form"] .page-body .stack.stack-16 > .field:nth-last-child(1):nth-child(odd){
  grid-column:1 / -1;
}
html.pc-mode [data-layout="form"][data-id="consent"] .consent-stack{
  display:grid;grid-template-columns:1fr 1fr;gap:16px;
  align-items:stretch;
}
html.pc-mode [data-layout="form"][data-id="consent"] .consent-row{align-items:flex-start;height:100%}
html.pc-mode [data-layout="form"][data-id="consent"] .consent-txt .c-body{font-size:13px;line-height:1.55}
html.pc-mode [data-layout="form"][data-id="consent"] .consent-stack + .alert{margin-top:20px}
html.pc-mode [data-layout="form"][data-id="pin-setup"] .page-body .stack.stack-16{
  display:block;
}
html.pc-mode [data-layout="form"][data-id="pin-setup"] .pc-content--narrow{
  max-width:400px;
}

/* split */
html.pc-mode [data-layout="split"] .page-body .pc-content--wide{
  max-width:var(--content-read);
}
html.pc-mode [data-layout="split"] .page-body .pc-split{
  display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;
}
html:not(.pc-mode) [data-layout="split"] .page-body .pc-split{display:block}
html.pc-mode [data-layout="split"][data-id="enach"] .pc-split{
  grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);
}
html.pc-mode [data-layout="split"][data-id="enach"] .pc-split > .stack{margin-top:0}
html.pc-mode [data-layout="split"] .pc-content > .display,
html.pc-mode [data-layout="split"] .pc-content > .body-sm,
html.pc-mode [data-layout="split"] .pc-content > .tabs,
html.pc-mode [data-layout="split"] .pc-content > .alert:not(.mt20){max-width:100%}

/* doc */
html.pc-mode [data-layout="doc"] .pc-content--wide{
  max-width:var(--content-read);
}
html.pc-mode [data-layout="doc"] .kfs-doc{
  max-width:100%;
  padding:28px 32px;
  font-size:14px;
}
html.pc-mode [data-layout="doc"] .kfs-label{flex:0 0 38%;font-size:13px}
html.pc-mode [data-layout="doc"] .kfs-value{font-size:14px}
html.pc-mode [data-layout="doc"] .submitted-pc-grid{
  display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);
  gap:32px;
  align-items:start;
}
html.pc-mode [data-layout="doc"] .submitted-pc-grid .tracker{margin-top:0}

/* dashboard */
[data-layout="dashboard"] .page-body{
  display:flex;
  flex-direction:column;
  width:100%;
}
html.pc-mode [data-layout="dashboard"] .page-body{
  padding:0 0 var(--pad-scroll-bottom)!important;
}
html.pc-mode [data-layout="dashboard"] .dash-pc-span{
  width:100%;
  box-sizing:border-box;
  padding-left:var(--pad-pc);
  padding-right:var(--pad-pc);
}
html.pc-mode [data-layout="dashboard"] .dash-pc-columns{
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(300px,400px);
  gap:28px 36px;
  align-items:start;
  padding-top:8px;
  padding-bottom:8px;
}
html.pc-mode [data-layout="dashboard"] .dash-pc-main,
html.pc-mode [data-layout="dashboard"] .dash-pc-aside{
  min-width:0;
  padding:20px 0 0;
}
html.pc-mode [data-layout="dashboard"] .dash-pc-aside{
  position:sticky;
  top:12px;
  align-self:start;
  max-height:calc(100dvh - 160px);
  overflow-y:auto;
  -webkit-overflow-scrolling:touch;
}
html.pc-mode [data-layout="dashboard"] .dash-activity-panel{
  width:100%;
  box-sizing:border-box;
}
html.pc-mode [data-layout="dashboard"] .dash-hero{padding:var(--space-9) var(--pad-pc) var(--space-7)!important}
html.pc-mode [data-layout="dashboard"] .dash-hero-bar{max-width:420px}
html.pc-mode [data-layout="dashboard"] .sku-hero-amount{font-size:64px}
html.pc-mode [data-layout="dashboard"] .dash-pc-span [style*="font-size:10px"],
html.pc-mode [data-layout="dashboard"] .dash-pc-main [style*="font-size:10px"],
html.pc-mode [data-layout="dashboard"] .dash-pc-aside [style*="font-size:10px"]{
  font-size:11px!important;
  letter-spacing:.9px!important;
}
html.pc-mode [data-layout="dashboard"] .dash-quick-actions{
  max-width:none;
  width:100%;
  margin:0;
  padding-top:var(--space-6)!important;
  padding-bottom:var(--space-7)!important;
  gap:var(--space-5)!important;
}
html.pc-mode [data-layout="dashboard"] #dashDrawsPreview .sku-card,
html.pc-mode [data-layout="dashboard"] #dashDrawsPreview .draw-item{
  width:100%;
  box-sizing:border-box;
}

/* list */
html.pc-mode [data-layout="list"] .page-body{
  display:flex;
  flex-direction:column;
  align-items:center;
}
html.pc-mode [data-layout="list"] .pc-content--wide{
  width:100%;
  max-width:var(--content-read);
  margin:0 auto;
  box-sizing:border-box;
}
html.pc-mode [data-layout="list"] .pc-grid-2,
html.pc-mode [data-layout="list"] .pc-content.pc-grid-2{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:24px;
  align-items:start;
  width:100%;
}
html.pc-mode [data-layout="list"] .pc-list-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:16px;
  width:100%;
}
html.pc-mode [data-layout="list"] .pc-repay-col,
html.pc-mode [data-layout="list"] .pc-list-col{
  display:flex;
  flex-direction:column;
  min-width:0;
  gap:0;
}
html.pc-mode [data-layout="list"] .list-section-title{
  font-weight:700;
  font-size:15px;
  color:var(--ink);
  margin-bottom:12px;
}
html.pc-mode [data-layout="list"] .page.dark .list-section-title{
  color:rgba(255,255,255,.85);
}
html.pc-mode [data-layout="list"] .page.dark .card .act-title{
  color:rgba(255,255,255,.85);
}
html.pc-mode [data-layout="list"] .page.dark .card .act-sub,
html.pc-mode [data-layout="list"] .page.dark .card .act-time{
  color:rgba(255,255,255,.4);
}
html:not(.pc-mode) [data-layout="list"] .pc-grid-2{
  display:block;
}
html:not(.pc-mode) [data-layout="list"] .pc-repay-col + .pc-repay-col{
  margin-top:16px;
}
html.pc-mode [data-layout="list"] .pc-list-grid > .draw-item,
html.pc-mode [data-layout="list"] .pc-list-grid > .card,
html.pc-mode [data-layout="list"] .pc-list-grid > .sku-card{margin-bottom:0;height:100%}
html.pc-mode [data-layout="list"] .pc-list-full{grid-column:1 / -1;width:100%}
html.pc-mode [data-layout="list"] .tabs{margin-bottom:20px}
html.pc-mode [data-layout="list"] .draw-item .di-amount{font-size:22px}
html.pc-mode [data-layout="list"] .card-pad{padding:20px}

/* light */
html.pc-mode [data-layout="light"] .page-body{background:var(--bg)}
html.pc-mode [data-layout="light"] .pc-content--form{
  max-width:var(--content-form);
  margin:0 auto;
}
html.pc-mode [data-layout="light"] .stack.stack-16{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px 24px;
}
html.pc-mode [data-layout="light"] .stack > .field:last-child:nth-child(odd){grid-column:1 / -1}
html.pc-mode [data-layout="light"] .stack + .alert{margin-top:20px}

/* draw-new */
html.pc-mode [data-layout="split"][data-id="draw-new"] .pc-grid-2-1{display:grid}
html.pc-mode [data-layout="split"][data-id="draw-new"] #feeCard.draw-estimate-card{
  position:sticky;
  top:20px;
  min-width:280px;
}
html.pc-mode [data-layout="split"][data-id="draw-new"] .draw-fee-col:empty{display:none}
html:not(.pc-mode) [data-layout="split"][data-id="draw-new"] .draw-fee-col{margin-top:16px}
html:not(.pc-mode) [data-layout="split"][data-id="draw-new"] .pc-grid-2-1{display:block}

/* offer */
html.pc-mode [data-layout="split"][data-id="offer"] .allotted-product-card{
  min-height:88px;
}
html.pc-mode [data-layout="split"][data-id="offer"] .offer-hero-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:32px;
  align-items:center;
  margin-bottom:8px;
}
html.pc-mode [data-layout="split"][data-id="offer"] #offerCounter{font-size:60px}

/* kyc */
html.pc-mode [data-layout="split"][data-id="kyc"] .kyc-upload-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:14px;
}
html.pc-mode [data-layout="split"][data-id="kyc"] .tabs{margin-bottom:24px}

/* checking */
html.pc-mode [data-layout="center"][data-id="checking"] .check-steps-pc{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:20px;
  margin-top:32px;
  width:100%;
  max-width:640px;
}
html.pc-mode [data-layout="center"][data-id="checking"] .check-step{
  flex-direction:column;
  text-align:center;
  padding:16px;
  border-radius:var(--r);
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.08);
}

/* pin */
html.pc-mode [data-layout="center"][data-id="pin-login"] .pin-grid-pc{
  max-width:360px;
  margin:0 auto;
  gap:12px;
}
html.pc-mode [data-layout="center"][data-id="pin-login"] .pin-key{min-height:64px;font-size:24px}

/* golive */
html.pc-mode [data-layout="center"][data-id="golive"] .golive-pc-cols{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:24px;
  width:100%;
  max-width:var(--content-form);
  margin-left:auto;
  margin-right:auto;
}

/* page foot alignment */
html.pc-mode .page-foot{
  padding-left:var(--pad-pc);
  padding-right:var(--pad-pc);
  padding-top:var(--space-6);
}
html.pc-mode .page-foot .btn{max-width:100%}
html.pc-mode [data-layout="center"] .page-foot,
html.pc-mode [data-layout="auth"] .page-foot{
  max-width:calc(var(--content-narrow) + var(--pad-pc-sm) * 2);
  margin-left:auto;
  margin-right:auto;
  width:100%;
  box-sizing:border-box;
}
html.pc-mode [data-layout="form"] .page-foot,
html.pc-mode [data-layout="split"] .page-foot,
html.pc-mode [data-layout="doc"] .page-foot,
html.pc-mode [data-layout="list"] .page-foot,
html.pc-mode [data-layout="light"] .page-foot{
  max-width:calc(var(--content-read) + var(--pad-pc) * 2);
  margin-left:auto;
  margin-right:auto;
  width:100%;
  box-sizing:border-box;
}
html.pc-mode .pin-key{min-height:62px}

/* welcome pills */
html.pc-mode [data-layout="center"][data-id="welcome"] .pc-content [style*="flex-wrap"]{
  max-width:480px;
  margin-left:auto;
  margin-right:auto;
}

/* welcome CTAs — matched size, rhythm, and alignment */
.welcome-foot{padding-top:var(--space-5)}
.welcome-cta{
  display:flex;
  flex-direction:column;
  align-items:stretch;
  gap:12px;
  width:100%;
  max-width:min(400px,100%);
  margin:0 auto;
}
.welcome-cta__btn{
  width:100%;
  min-height:56px;
  height:56px;
  margin:0!important;
  flex:0 0 56px;
  white-space:nowrap;
  font-size:16px;
  font-weight:600;
  border-radius:var(--r);
}
.welcome-cta__btn strong{
  font-weight:700;
}
.page.dark .welcome-cta__btn.btn-ghost{
  color:rgba(255,255,255,.88);
  font-weight:500;
}
.page.dark .welcome-cta__btn.btn-ghost strong{
  color:var(--on-dark-primary);
}
html.pc-mode .welcome-cta{max-width:420px}

/* ─── SKEUOMORPHIC UTILITIES ─────────────────────────────── */
.sku-pill{
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.12);
  border-radius:24px;padding:9px 18px;font-size:13px;color:rgba(255,255,255,.75);
  box-shadow:var(--raised-sm);
  letter-spacing:.15px;
}
.sku-btn-ghost{
  width:100%;margin-top:var(--space-4);height:48px;
  background:
    linear-gradient(180deg,rgba(255,255,255,.1) 0%,transparent 45%),
    var(--glass-dark);
  border:1px solid var(--glass-rim);
  border-radius:var(--r);color:rgba(255,255,255,.75);
  font-size:14px;font-weight:500;cursor:pointer;
  display:flex;align-items:center;justify-content:center;gap:8px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s var(--ease),border-color .18s var(--ease);
}
.sku-btn-ghost:hover{background:rgba(255,255,255,.1);border-color:var(--glass-rim-strong);box-shadow:var(--raised-md),0 0 14px rgba(147,169,255,.08)}
.sku-btn-ghost:active{box-shadow:var(--inset-sm);transform:scale(.98)}
.sku-panel{
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.1);
  border-radius:var(--r);
  box-shadow:var(--raised-sm);
  backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
}
.sku-panel-inset{
  background:rgba(0,0,0,.2);
  border:1px solid rgba(255,255,255,.06);
  border-radius:var(--r);
  box-shadow:var(--inset-sm);
}
.sku-card{
  border:1px solid var(--glass-rim);
  border-radius:var(--r);padding:20px 22px;
  background:var(--glass-dark);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.04);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
}
.sku-card--warn{
  border-color:rgba(245,158,11,.25);
  background:linear-gradient(135deg,rgba(245,158,11,.08) 0%,rgba(245,158,11,.02) 100%);
  box-shadow:var(--raised-sm),0 0 16px rgba(245,158,11,.08);
}
.sku-action-btn{
  width:54px;height:54px;border-radius:16px;
  background:linear-gradient(145deg,rgba(26,35,185,.3) 0%,rgba(0,0,0,.28) 100%);
  border:1px solid var(--glass-rim);
  display:grid;place-items:center;font-size:20px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s var(--ease),border-color .18s var(--ease);
  cursor:pointer;
}
.sku-action-btn:hover{background:linear-gradient(145deg,rgba(26,35,185,.42) 0%,rgba(255,255,255,.08) 100%);border-color:var(--glass-rim-strong);box-shadow:var(--raised-md),0 0 16px rgba(147,169,255,.1);transform:translateY(-2px)}
.sku-action-btn:active{box-shadow:var(--inset-sm);transform:translateY(0)}
.sku-hero-amount{
  font-family:var(--display);font-size:54px;font-weight:700;color:#fff;
  letter-spacing:-2px;line-height:1;
  text-shadow:0 2px 12px rgba(0,0,0,.4),0 0 40px rgba(245,200,66,.08);
}
.sku-progress-track{
  height:4px;background:rgba(0,0,0,.35);border-radius:2px;overflow:hidden;
  box-shadow:var(--inset-sm);
}
.sku-progress-fill{
  height:100%;border-radius:2px;
  background:var(--gold-metallic);
  box-shadow:0 0 8px rgba(245,200,66,.4);
}
.sku-offer-highlight{
  padding:18px 20px;border-radius:var(--r);
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.12);
  box-shadow:var(--inset-sm);
}
.sku-live-card{
  padding:28px;border-radius:var(--r-lg);
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.12);
  box-shadow:var(--raised-lg);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
}
.sku-checklist{
  text-align:left;padding:20px 22px;
  background:rgba(0,0,0,.2);
  border-radius:var(--r);
  border:1px solid rgba(255,255,255,.08);
  box-shadow:var(--inset-sm);
}
.page.dark .bottom-nav{background:linear-gradient(180deg,#12132a 0%,var(--navy-deep) 100%)}
.page.dark .consent-row{
  background:var(--glass-dark);
  border-color:rgba(255,255,255,.1);
  box-shadow:var(--raised-sm);
}
.page.dark .consent-row.on{
  border-color:rgba(255,255,255,.28);
  background:rgba(255,255,255,.06);
  box-shadow:var(--raised-md);
}
.page.dark .toggle{background:rgba(0,0,0,.25);border-color:rgba(255,255,255,.15);box-shadow:var(--inset-sm)}
.page.dark .toggle.on{background:linear-gradient(180deg,#fff 0%,#e8e9f0 100%);border-color:rgba(255,255,255,.5);box-shadow:var(--raised-sm)}
.page.dark .toggle.on::after{border-color:var(--navy-deep)}
.page.dark .upload-tile{
  background:rgba(0,0,0,.2);border-color:rgba(255,255,255,.15);
  box-shadow:var(--inset-sm);
}
.page.dark .upload-tile:hover{
  border-color:rgba(255,255,255,.28);
  background:rgba(255,255,255,.05);
  box-shadow:var(--raised-sm);
}
.page.dark .upload-tile.done{
  border-color:var(--green);
  background:rgba(22,163,74,.12);
  box-shadow:var(--raised-sm);
}
.mm-logo-lg{
  object-fit:contain;
  filter:drop-shadow(0 8px 24px rgba(0,0,0,.4));
  background:transparent;
}
.tb-logo-img{
  display:block;
  height:26px;
  width:auto;
  max-width:min(180px,42vw);
  object-fit:contain;
}
.mm-logo-lg.logo-fallback{
  object-fit:contain;
  padding:8px;
  border-radius:50%;
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.12);
  box-sizing:border-box;
}
.golive-icon{
  width:80px;height:80px;border-radius:50%;
  background:linear-gradient(145deg,rgba(245,200,66,.2) 0%,rgba(245,200,66,.08) 100%);
  border:1px solid rgba(245,200,66,.3);
  display:grid;place-items:center;margin:0 auto 24px;font-size:42px;
  box-shadow:var(--raised-lg),0 0 30px rgba(245,200,66,.15);
  animation:popIn .6s cubic-bezier(.34,1.56,.64,1);
}

/* Dashboard — mobile stack (non–PC-mode) */
html:not(.pc-mode) [data-layout="dashboard"] .dash-pc-columns{
  display:flex;
  flex-direction:column;
  gap:0;
  padding:0;
}
html:not(.pc-mode) [data-layout="dashboard"] .dash-pc-main,
html:not(.pc-mode) [data-layout="dashboard"] .dash-pc-aside{
  padding:var(--space-6) var(--pad-page);
  width:100%;
  box-sizing:border-box;
}
html:not(.pc-mode) [data-layout="dashboard"] .dash-pc-aside{
  padding-top:0;
  border-top:1px solid var(--on-dark-border);
}
html:not(.pc-mode) [data-layout="dashboard"] .dash-activity-panel{
  width:100%;
}

/* ─── MOBILE MODE (html:not(.pc-mode)) — layout audit ───── */
html:not(.pc-mode) [data-layout="center"] .page-body.center,
html:not(.pc-mode) [data-layout="auth"] .page-body{
  padding-bottom:calc(24px + env(safe-area-inset-bottom));
}
html:not(.pc-mode) [data-id="draw-new"] .page-body,
html:not(.pc-mode) [data-id="dash-draws"] .page-body,
html:not(.pc-mode) [data-id="dash-repayments"] .page-body,
html:not(.pc-mode) [data-id="dash-docs"] .page-body,
html:not(.pc-mode) [data-id="dash-help"] .page-body{
  padding-bottom:20px!important;
}
html:not(.pc-mode) [data-layout="dashboard"] .dash-footer-legal{
  margin-bottom:12px;
}

/* Split / grid — single column on mobile */
html:not(.pc-mode) [data-layout="split"] .pc-split,
html:not(.pc-mode) [data-layout="split"] .pc-grid-2-1,
html:not(.pc-mode) [data-layout="split"] .security-cards,
html:not(.pc-mode) [data-layout="list"] .pc-grid-2,
html:not(.pc-mode) [data-layout="list"] .pc-list-grid,
html:not(.pc-mode) [data-layout="doc"] .submitted-pc-grid{
  display:flex!important;
  flex-direction:column;
  gap:20px;
}
html:not(.pc-mode) [data-layout="split"] .pc-split > * + *,
html:not(.pc-mode) [data-layout="split"] .pc-grid-2-1 > * + *{
  margin-top:0;
}
html:not(.pc-mode) [data-layout="split"][data-id="draw-new"] .draw-fee-col{
  margin-top:0;
}
html:not(.pc-mode) [data-layout="split"][data-id="draw-new"] #feeCard.draw-estimate-card{
  position:static;
}

/* Form — single column stacks */
html:not(.pc-mode) [data-layout="form"] .page-body .stack.stack-16,
html:not(.pc-mode) [data-layout="form"] .consent-stack,
html:not(.pc-mode) [data-layout="light"] .stack.stack-16{
  display:flex!important;
  flex-direction:column;
  gap:16px;
}
html:not(.pc-mode) [data-layout="form"] .page-body .stack.stack-16 > .field{
  grid-column:auto!important;
}

/* Offer — hero stack */
html:not(.pc-mode) [data-id="offer"] .offer-hero-row{
  display:flex;
  flex-direction:column;
  gap:20px;
}
html:not(.pc-mode) [data-id="offer"] .offer-hero-row .sku-offer-highlight{
  margin-top:0!important;
}
/* Checking — steps vertical */
html:not(.pc-mode) [data-id="checking"] .check-steps-pc{
  display:flex;
  flex-direction:column;
  gap:12px;
  width:100%;
  max-width:none;
}
html:not(.pc-mode) [data-id="checking"] .check-step{
  padding:12px 14px;
  border-radius:var(--r);
  background:var(--glass-dark);
  border:1px solid rgba(255,255,255,.08);
}

/* Golive — single column checklist */
html:not(.pc-mode) [data-id="golive"] .golive-pc-cols{
  display:flex;
  flex-direction:column;
  gap:16px;
}

/* KYC — full-width tabs */
html:not(.pc-mode) [data-id="kyc"] .tabs{
  margin-bottom:16px;
}
html:not(.pc-mode) [data-id="kyc"] .kyc-upload-grid{
  display:flex;
  flex-direction:column;
  gap:10px;
}

/* Submitted — tracker padding */
html:not(.pc-mode) [data-id="submitted"] .tracker{
  padding:0 24px;
}
html:not(.pc-mode) [data-id="submitted"] .pad-v{
  padding-left:24px;
  padding-right:24px;
}

/* List screens — column spacing */
html:not(.pc-mode) [data-layout="list"] .pc-repay-col + .pc-repay-col{
  margin-top:20px;
}
html:not(.pc-mode) [data-layout="list"] .pc-content{
  padding:0 8px;
}

/* Page foot — full width buttons */
html:not(.pc-mode) .page-foot{
  padding-left:var(--pad-page);
  padding-right:var(--pad-page);
  padding-bottom:calc(var(--pad-foot) + env(safe-area-inset-bottom));
}
html:not(.pc-mode) .page-foot .btn,
html:not(.pc-mode) .page-foot [style*="display:flex"]{
  width:100%;
}
html:not(.pc-mode) .page-foot [style*="display:flex"]{
  flex-direction:column;
  gap:10px;
}
html:not(.pc-mode) .page-foot [style*="flex:2"]{
  flex:1!important;
}

/* Dark textarea (raise ticket, etc.) */
.page.dark textarea.input{
  min-height:120px;
  padding:14px 16px;
  resize:none;
  line-height:1.5;
  background:rgba(0,0,0,.32);
  border-color:var(--on-dark-border);
  color:var(--on-dark-primary);
  box-shadow:var(--inset-md);
}
.page.dark textarea.input::placeholder{
  color:rgba(255,255,255,.48);
}
.page.dark textarea.input:focus{
  border-color:rgba(245,200,66,.55);
  box-shadow:var(--inset-md),0 0 0 3px rgba(245,200,66,.18);
}

/* PC-mode-only: widen shell only when viewport allows */
@media(max-width:767px){
  html.pc-mode .shell{
    max-width:var(--max);
    min-height:100vh;
    border-radius:0;
    top:auto;
    transform:none;
  }
  @media(min-width:520px){
    html.pc-mode .shell{transform:none}
  }
}

/* ─── READABILITY — DASHBOARD & KEY UX ───────────────────── */
.page.dark .body-sm{line-height:1.6}
.page.dark .body{line-height:1.55}
.page.dark .body-lg{line-height:1.6}
.dash-section-label,.dash-eyebrow,.dash-section-head{
  font-size:11px;font-weight:700;letter-spacing:1px;text-transform:uppercase;
  color:var(--on-dark-muted);
}
.dash-hero .dash-section-label{letter-spacing:1.4px;font-weight:600;margin-bottom:4px}
.dash-hero-bar{max-width:280px}
[data-id="dash-home"] .dash-currency,
.dash-currency{
  font-family:var(--display);font-size:18px;font-weight:400;
  color:var(--on-dark-muted);margin-top:8px;letter-spacing:.5px;
  line-height:1.35;
}
.dash-link{font-size:12px;font-weight:500;color:var(--on-dark-muted);cursor:pointer;transition:color .18s}
.dash-link:hover{color:var(--on-dark-body)}
.dash-stat-label{
  font-size:11px;letter-spacing:.55px;text-transform:uppercase;
  color:var(--on-dark-muted);font-weight:600;line-height:1.35;
}
.dash-stat-value{font-size:13px;font-weight:600;color:var(--on-dark-body);margin-top:4px}
.dash-qa-label{font-size:12px;font-weight:600;color:var(--on-dark-muted);letter-spacing:.25px}
.dash-amount{font-family:var(--display);font-size:26px;color:var(--on-dark-primary);letter-spacing:.3px;font-weight:600}
.dash-meta{font-size:12px;color:var(--on-dark-muted);letter-spacing:.25px;margin-top:6px}
.dash-meta-subtle{font-size:12px;color:var(--on-dark-subtle)}
.dash-badge{
  background:rgba(255,255,255,.12);border-radius:20px;padding:6px 14px;
  font-size:12px;font-weight:600;color:var(--on-dark-body);white-space:nowrap;
}
.dash-due-text{font-size:14px;font-weight:500;color:var(--on-dark-body)}
.dash-activity-title{font-size:14px;font-weight:600;color:var(--on-dark-secondary)}
.dash-activity-sub{font-size:12px;color:var(--on-dark-muted);margin-top:4px}
.dash-activity-time{font-size:11px;color:var(--on-dark-subtle);flex-shrink:0}
.dash-progress{height:3px;background:rgba(0,0,0,.28);border-radius:2px;overflow:hidden;margin-top:16px;box-shadow:var(--inset-sm)}
.dash-progress-fill{height:100%;border-radius:2px}
.dash-progress-fill--gold{background:var(--gold-metallic);box-shadow:0 0 6px rgba(245,200,66,.35)}
.dash-progress-fill--neutral{background:rgba(255,255,255,.50)}
.dash-footer-legal{
  padding:var(--space-6) var(--pad-page) var(--space-4);margin-top:var(--space-6);border-top:1px solid var(--on-dark-border);
  font-size:11px;color:var(--on-dark-subtle);line-height:1.75;letter-spacing:.25px;
}
.legal-foot{font-size:12px;color:var(--on-dark-subtle);text-align:center;margin-top:var(--space-4);line-height:1.6}
.legal-foot a{color:var(--on-dark-muted);text-decoration:underline;text-underline-offset:2px}
.offer-eyebrow{font-size:12px;color:var(--on-dark-muted);margin-bottom:6px;text-transform:uppercase;letter-spacing:.5px;font-weight:600}
.offer-detail{font-size:11px;color:var(--on-dark-subtle);margin-top:4px;line-height:1.45}
.page.dark .lc-label{color:var(--on-dark-muted)!important;opacity:1}
.sku-card .dash-meta{margin-top:4px}
.sku-card{border-color:var(--on-dark-border)}
.sku-panel{border-color:var(--on-dark-border)}
.sku-action-btn{color:var(--on-dark-primary);font-weight:700}
.page.dark .btn-ghost{color:var(--on-dark-primary)}
.dash-activity-sub--truncate{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
#dashLimitGap{font-size:13px;color:var(--on-dark-muted);line-height:1.5;padding:8px 0}
.dash-topbar-btn{
  width:34px;height:34px;border-radius:50%;
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  color:var(--on-dark-muted);font-size:11px;font-weight:700;
  cursor:pointer;display:grid;place-items:center;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),border-color .15s var(--ease);
}
.dash-topbar-btn:hover{border-color:var(--glass-rim-strong);box-shadow:var(--raised-md)}
.dash-topbar-btn:active{box-shadow:var(--inset-sm);transform:scale(.95)}
.dash-avatar{
  width:32px;height:32px;border-radius:50%;
  background:linear-gradient(145deg,rgba(26,35,185,.35) 0%,rgba(0,0,0,.3) 100%);
  border:1px solid var(--glass-rim);
  display:grid;place-items:center;font-family:var(--display);
  font-size:13px;font-weight:700;color:var(--on-dark-body);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08);
}
/* Dashboard scroll clearance when bottom nav visible */
html:not(.pc-mode) [data-layout="dashboard"] .page-body{
  padding:0!important;
}
html:not(.pc-mode) .shell.has-bottom-nav [data-layout="dashboard"] .page-body{
  padding-bottom:var(--pad-scroll-bottom)!important;
}

.page.dark .display-lg{line-height:1.15}
.page.dark .display-md{line-height:1.2}
.page.dark .link-accent{color:var(--on-dark-body);font-weight:600;text-decoration:underline;text-underline-offset:2px;cursor:pointer}
.page.dark #resendBtn{color:var(--on-dark-body)!important;font-weight:600}
.pin-secondary{color:var(--on-dark-muted)!important;background:transparent!important;border:none!important;font-size:12px!important;cursor:pointer}
.pin-key--muted{background:transparent!important;color:var(--on-dark-muted)!important;box-shadow:none!important;border-color:transparent!important;font-size:11px!important;font-weight:500!important;letter-spacing:.3px}

/* ─── RESPONSIVE FOUNDATION (spacing, overlap, legibility) ─ */
.shell,
.page,
.page-body,
.pc-content,
.stack,
.row,
.tabs,
.card,
.sku-panel,
.sku-card,
.limit-card,
.consent-row,
.upload-tile,
.dash-pc-columns,
.dash-pc-main,
.dash-pc-aside{
  min-width:0;
}

/* Flex/grid children: prevent text squish overlap */
.row > *,
.stack > *,
.tabs > .tab,
.qa-grid > *,
.card-row > *,
.di-meta > *,
.pd-row > *,
.alert > .alert-body,
.tracker-step > .t-content,
.consent-row > .consent-txt,
.upload-tile > div:not(.up-icon){
  min-width:0;
}

/* Touch-friendly controls */
.btn,
.tab,
.pin-key,
.bn-item,
.qa,
.allotted-product-card,
.consent-row,
.upload-tile,
.card-row.tap,
.sku-action-btn,
.dash-topbar-btn{
  -webkit-tap-highlight-color:transparent;
}
.btn{
  min-height:var(--touch-min);
  line-height:1.25;
  padding-left:clamp(16px,4vw,24px);
  padding-right:clamp(16px,4vw,24px);
}
.btn-sm{min-height:40px;line-height:1.3}
.sku-btn-ghost{min-height:var(--touch-min)}

/* OTP — scale on narrow viewports */
.otp-wrap{
  flex-wrap:wrap;
  max-width:100%;
  padding:0 4px;
}
.otp-box{
  width:clamp(42px,11vw,50px);
  height:clamp(54px,14vw,62px);
  font-size:clamp(20px,5.5vw,24px);
  flex-shrink:0;
}

/* Quick actions (dashboard + legacy qa-grid) */
.dash-quick-actions,
.qa-grid{
  gap:clamp(8px,2.5vw,14px)!important;
}
html:not(.pc-mode) .dash-quick-actions{
  grid-template-columns:repeat(4,minmax(0,1fr))!important;
}
.dash-qa-label,
.qa-label{
  text-align:center;
  line-height:1.3;
  max-width:100%;
  overflow-wrap:break-word;
  hyphens:auto;
}
html:not(.pc-mode) .dash-qa-label{font-size:clamp(11px,2.8vw,12px)}
html:not(.pc-mode) .sku-action-btn{
  width:clamp(48px,13vw,54px);
  height:clamp(48px,13vw,54px);
  font-size:clamp(14px,3.5vw,18px);
}

/* Hero amounts */
html:not(.pc-mode) .sku-hero-amount{
  font-size:clamp(38px,11vw,54px);
  letter-spacing:-1px;
  word-break:break-word;
}
html:not(.pc-mode) [data-id="offer"] #offerCounter{
  font-size:clamp(40px,12vw,56px)!important;
}

/* Dashboard due alert */
.dash-due-row{
  padding:var(--space-4) var(--pad-page)!important;
  border-bottom:1px solid rgba(255,255,255,.04);
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:var(--space-3);
  flex-wrap:wrap;
  cursor:pointer;
}
.dash-due-row > div:first-child{
  flex:1 1 160px;
  min-width:0;
}
.dash-due-dot{
  width:6px;height:6px;border-radius:50%;flex-shrink:0;margin-top:6px;
  background:#F59E0B;box-shadow:0 0 6px rgba(245,158,11,.5);
}
.dash-due-pay-btn{
  flex-shrink:0;
  font-size:12px;
  font-weight:600;
  color:#F5C842;
  background:linear-gradient(180deg,rgba(245,200,66,.14) 0%,rgba(0,0,0,.32) 100%);
  border:1px solid rgba(245,200,66,.45);
  padding:8px 16px;
  border-radius:999px;
  cursor:pointer;
  white-space:nowrap;
  min-height:36px;
  line-height:1.2;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08),0 0 14px rgba(245,200,66,.12);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),border-color .15s var(--ease);
}
.dash-due-pay-btn:hover{border-color:rgba(245,200,66,.65);box-shadow:var(--raised-md),0 0 20px rgba(245,200,66,.2)}
.dash-due-pay-btn:active{box-shadow:var(--inset-sm);transform:scale(.97)}

/* Section header rows */
.dash-section-head-row{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:var(--space-3);
  flex-wrap:wrap;
  margin-bottom:var(--space-4);
}
.dash-section-head-row .dash-link{flex-shrink:0}

/* Stat / meta labels — minimum legibility */
.dash-stat-label{font-size:11px}
.dash-stat-value{font-size:14px;line-height:1.35}

/* Activity rows */
.dash-activity-panel .act-item,
#dashActivity .act-item{
  gap:var(--space-3);
  padding:var(--space-4) var(--space-4);
  align-items:flex-start;
  border-bottom:1px solid rgba(255,255,255,.06);
}
.dash-activity-panel .act-item:last-child,
#dashActivity .act-item:last-child{border-bottom:none}
.dash-activity-panel .act-title,
#dashActivity .act-title{
  line-height:1.35;
  overflow-wrap:anywhere;
}
.dash-activity-panel .act-time,
#dashActivity .act-time{
  margin-left:auto;
  padding-left:var(--space-2);
}

/* Upload tiles — long filenames */
.up-name,
.up-meta,
.up-action{
  overflow-wrap:anywhere;
  line-height:1.4;
}
.upload-tile{align-items:flex-start;gap:var(--space-4)}

/* Product chips */
.pc-name{font-size:clamp(11px,2.8vw,12px);line-height:1.35;padding:4px 2px}

/* Topbar — avoid title/step overlap */
.topbar{gap:clamp(8px,2vw,14px);min-height:56px;height:auto;padding-top:8px;padding-bottom:8px}
.tb-step{max-width:42%;overflow:hidden;text-overflow:ellipsis}
.topbar .tb-logo,
.topbar > div:not(.tb-back):not(.tb-spacer):not(.tb-step){
  min-width:0;
  overflow:hidden;
  text-overflow:ellipsis;
}

/* Page scroll clearance (bottom nav / sticky foot) */
html:not(.pc-mode) [data-layout="form"] .page-body,
html:not(.pc-mode) [data-layout="split"] .page-body,
html:not(.pc-mode) [data-layout="doc"] .page-body,
html:not(.pc-mode) [data-layout="list"] .page-body,
html:not(.pc-mode) [data-layout="light"] .page-body{
  padding-bottom:var(--pad-scroll-bottom)!important;
}
/* PD rows & limit meta */
.pd-row{gap:var(--space-3);flex-wrap:wrap}
.pd-row > *{min-width:0}
.lc-meta-value{font-size:clamp(12px,3.2vw,14px);line-height:1.35;overflow-wrap:anywhere}

/* Pill / badge in tight rows */
.pill{max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}

/* Very narrow phones */
@media(max-width:360px){
  .otp-wrap{gap:8px}
  html:not(.pc-mode) .dash-quick-actions{
    grid-template-columns:repeat(2,minmax(0,1fr))!important;
    row-gap:var(--space-5)!important;
  }
  .bn-item{font-size:10px}
  .card-pad{padding:18px 16px}
  .card-row{padding:14px 16px}
}

/* ─── HOME V2 (dashboard) ───────────────────────────────── */
.sr-only{
  position:absolute;width:1px;height:1px;padding:0;
  margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0;
}
[data-id="dash-home"] .home-v2-body{
  padding:0!important;
  display:flex;
  flex-direction:column;
}
.home-v2{
  font-family:var(--body);
  width:100%;
  max-width:420px;
  margin:0 auto;
  min-height:0;
  background:transparent;
  color:#fff;
  padding:20px 18px 0;
  display:flex;
  flex-direction:column;
  -webkit-font-smoothing:antialiased;
  position:relative;
  z-index:1;
}
.home-v2__header{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:18px;
}
.home-v2__greeting-label{font-size:11px;color:var(--on-dark-muted);font-weight:600;letter-spacing:.55px;text-transform:uppercase}
.home-v2__greeting-name{font-family:var(--display);font-size:17px;font-weight:600;margin-top:4px;letter-spacing:.3px}
.home-v2__header-right{display:flex;gap:10px;align-items:center}
.home-v2__bell{
  width:38px;height:38px;border-radius:50%;
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  cursor:pointer;
  color:var(--on-dark-body);font-size:20px;padding:0;
  display:grid;place-items:center;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),border-color .15s var(--ease),color .15s;
}
.home-v2__bell-icon{display:flex;align-items:center;justify-content:center;color:inherit}
.home-v2__bell-icon .mm-icon{width:20px;height:20px}
.home-v2__bell:hover{color:#fff;border-color:var(--glass-rim-strong);box-shadow:var(--raised-md)}
.home-v2__bell:active{box-shadow:var(--inset-sm);transform:scale(.95)}
.home-v2__avatar{
  width:38px;height:38px;border-radius:50%;
  background:linear-gradient(145deg,rgba(26,35,185,.35) 0%,rgba(0,0,0,.3) 100%);
  border:1px solid var(--glass-rim);
  color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-size:13px;font-weight:700;cursor:pointer;
  font-family:var(--display);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease);
}
.home-v2__avatar:active{box-shadow:var(--inset-sm);transform:scale(.95)}
.home-v2__card-wrap{position:relative;margin-bottom:16px}
.home-v2__card-peek{
  position:absolute;top:-8px;left:14px;right:14px;height:22px;
  background:linear-gradient(180deg,#1a2288 0%,#0d1275 100%);
  border-radius:18px 18px 0 0;opacity:.55;
  border:1px solid var(--glass-rim);
  border-bottom:none;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.08);
}
.home-v2__credit-card{
  background:
    linear-gradient(135deg,rgba(255,255,255,.1) 0%,transparent 50%),
    linear-gradient(160deg,#1a2288 0%,var(--navy-deep) 45%,#030520 100%);
  border:1px solid var(--glass-rim);
  border-radius:20px;padding:20px;position:relative;
  box-shadow:var(--raised-lg),inset 0 1px 0 rgba(255,255,255,.1);
  overflow:hidden;
}
.home-v2__credit-card::before{
  content:'';position:absolute;top:-50px;right:-50px;width:160px;height:160px;
  background:radial-gradient(circle,rgba(245,200,66,.12) 0%,transparent 70%);
  pointer-events:none;
}
.home-v2__credit-card::after{
  content:'';position:absolute;inset:0;pointer-events:none;
  background:repeating-linear-gradient(90deg,transparent,transparent 3px,rgba(255,255,255,.012) 3px,rgba(255,255,255,.012) 4px);
}
.home-v2__card-head{
  display:flex;justify-content:space-between;align-items:flex-start;
  margin-bottom:24px;position:relative;z-index:1;
}
.home-v2__card-product-label{
  font-size:10px;letter-spacing:.12em;text-transform:uppercase;
  color:var(--on-dark-muted);font-weight:600;
}
.home-v2__card-product-name{font-family:var(--display);font-size:16px;font-weight:600;margin-top:4px;letter-spacing:.3px}
.home-v2__card-logo{
  width:32px;height:32px;border-radius:50%;
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  display:flex;align-items:center;justify-content:center;
  font-size:12px;font-weight:700;font-family:var(--display);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.1);
}
.home-v2__card-avail-label{
  font-size:10px;color:var(--on-dark-muted);
  letter-spacing:.12em;text-transform:uppercase;font-weight:600;
  position:relative;z-index:1;
}
.home-v2__card-avail-value{
  font-family:var(--display);font-size:32px;font-weight:600;margin-top:6px;letter-spacing:-.02em;
  text-shadow:0 2px 12px rgba(0,0,0,.35);
  position:relative;z-index:1;
}
.home-v2__card-progress{
  height:4px;background:rgba(0,0,0,.35);
  border-radius:2px;margin:14px 0 8px;overflow:hidden;
  box-shadow:var(--inset-sm);
  position:relative;z-index:1;
}
.home-v2__card-progress-bar{
  height:100%;
  background:var(--gold-metallic);
  border-radius:2px;
  box-shadow:0 0 8px rgba(245,200,66,.45);
  transition:width 300ms ease-out;
}
.home-v2__card-foot{
  display:flex;justify-content:space-between;
  font-size:11px;color:var(--on-dark-muted);
  position:relative;z-index:1;
}
.home-v2__overdue{
  background:linear-gradient(135deg,rgba(245,158,11,.1) 0%,rgba(0,0,0,.32) 100%);
  border:1px solid rgba(245,158,11,.22);
  border-radius:14px;padding:14px 16px;
  display:flex;align-items:center;justify-content:space-between;
  margin-bottom:18px;gap:12px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.05);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
}
.home-v2__overdue[hidden]{display:none!important}
.home-v2__overdue-copy{flex:1;min-width:0}
.home-v2__overdue-title-row{display:flex;align-items:center;gap:8px}
.home-v2__overdue-dot{
  width:7px;height:7px;border-radius:50%;flex-shrink:0;
  background:#F59E0B;
  box-shadow:0 0 8px rgba(245,158,11,.65);
}
.home-v2__overdue-title{font-size:14px;font-weight:600;color:#fde68a;line-height:1.3}
.home-v2__overdue-sub{font-size:11px;color:var(--on-dark-muted);margin-top:4px;padding-left:15px}
.home-v2__pay-btn{
  background:
    linear-gradient(180deg,rgba(255,255,255,.35) 0%,transparent 48%),
    var(--gold-metallic);
  color:var(--navy-deep);
  border:1px solid rgba(255,255,255,.45);
  border-radius:999px;padding:9px 18px;
  font-size:12px;font-weight:700;cursor:pointer;
  font-family:var(--body);white-space:nowrap;
  min-height:40px;flex-shrink:0;
  box-shadow:var(--raised-md),0 0 18px rgba(245,200,66,.28);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),filter .15s;
  letter-spacing:.15px;
}
.home-v2__pay-btn:hover{filter:brightness(1.04);box-shadow:var(--raised-lg),0 0 24px rgba(245,200,66,.35)}
.home-v2__pay-btn:active{box-shadow:var(--inset-sm);transform:scale(.97)}

/* draw-new — estimated repayment (golden card) */
.draw-estimate-card{
  background:linear-gradient(135deg,rgba(245,158,11,.12) 0%,rgba(0,0,0,.28) 100%);
  border:1px solid rgba(245,158,11,.22);
  border-radius:14px;
  padding:16px 18px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.06);
  backdrop-filter:blur(12px);
  -webkit-backdrop-filter:blur(12px);
}
.draw-estimate-card[hidden]{display:none!important}
.draw-estimate-card__eyebrow{
  font-size:10px;letter-spacing:.55px;text-transform:uppercase;
  color:#fde68a;font-weight:600;margin-bottom:10px;
}
.draw-estimate-card__empty{
  font-size:13px;line-height:1.5;color:var(--on-dark-muted);
  margin:0;
}
.draw-estimate-card__body[hidden]{display:none!important}
.draw-estimate-card__hero{
  font-family:var(--display);
  font-size:28px;font-weight:700;letter-spacing:.3px;line-height:1.15;
  background:var(--gold-metallic);
  -webkit-background-clip:text;background-clip:text;
  color:transparent;
  filter:drop-shadow(0 0 12px rgba(245,200,66,.35));
  margin-bottom:6px;
}
.draw-estimate-card__due{
  font-size:13px;font-weight:600;color:#fde68a;margin-bottom:14px;
}
.draw-estimate-card__due span{font-weight:700}
.draw-estimate-card__details{
  border-top:1px solid rgba(245,158,11,.18);
  padding-top:12px;margin-bottom:10px;
}
.draw-estimate-card__row{
  display:flex;justify-content:space-between;align-items:baseline;
  gap:12px;padding:4px 0;font-size:12px;
}
.draw-estimate-card__row span:first-child{color:var(--on-dark-muted)}
.draw-estimate-card__row span:last-child{
  font-weight:600;font-family:monospace;color:var(--on-dark-primary);
}
.draw-estimate-card__disclaimer{
  font-size:10px;line-height:1.45;color:var(--on-dark-subtle);
  margin:0;letter-spacing:.2px;
}
.page.dark .draw-estimate-card__row span:first-child{color:var(--on-dark-muted)}
.page.dark .draw-estimate-card__row span:last-child{color:var(--on-dark-primary)}

.home-v2__tiles{
  display:grid;grid-template-columns:repeat(4,1fr);
  gap:10px;margin-bottom:18px;
  background:none;border:none;padding:0;
  box-shadow:none;backdrop-filter:none;
}
.home-v2__tile{
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:8px;padding:12px 6px 10px;
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  border-radius:14px;cursor:pointer;color:#fff;
  font-family:inherit;text-align:center;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.07);
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  transition:transform .15s var(--ease),box-shadow .15s var(--ease),border-color .15s var(--ease);
  min-height:88px;
}
.home-v2__tile:hover{
  border-color:var(--glass-rim-strong);
  box-shadow:var(--raised-md),0 0 16px rgba(147,169,255,.1);
  transform:translateY(-2px);
}
.home-v2__tile:active{box-shadow:var(--inset-sm);transform:translateY(0)}
.mm-icon{
  display:block;width:1em;height:1em;flex-shrink:0;
  filter:drop-shadow(0 1px 2px rgba(0,0,0,.35));
}
.home-v2__tile-icon{
  width:48px;height:48px;border-radius:13px;
  display:flex;align-items:center;justify-content:center;
  font-size:26px;line-height:1;
  border:1px solid var(--glass-rim);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.12),inset 0 -8px 16px rgba(0,0,0,.15);
}
.home-v2__tile-icon .mm-icon{width:26px;height:26px}
.home-v2__tile--draw .home-v2__tile-icon{
  background:linear-gradient(145deg,rgba(34,197,94,.32) 0%,rgba(8,11,83,.55) 100%);
  color:#6ee7b7;border-color:rgba(110,231,183,.28);
}
.home-v2__tile--repay .home-v2__tile-icon{
  background:linear-gradient(145deg,rgba(251,191,36,.28) 0%,rgba(8,11,83,.55) 100%);
  color:#fcd34d;border-color:rgba(252,211,77,.28);
}
.home-v2__tile--docs .home-v2__tile-icon{
  background:linear-gradient(145deg,rgba(129,140,248,.28) 0%,rgba(8,11,83,.55) 100%);
  color:#c4b5fd;border-color:rgba(196,181,253,.25);
}
.home-v2__tile--help .home-v2__tile-icon{
  background:linear-gradient(145deg,rgba(96,165,250,.26) 0%,rgba(8,11,83,.55) 100%);
  color:#93c5fd;border-color:rgba(147,197,253,.25);
}
.home-v2__tile-label{font-size:11px;font-weight:600;color:var(--on-dark-body);letter-spacing:.2px;line-height:1.2}
.home-v2__tile--draw .home-v2__tile-label{color:#a7f3d0}
.home-v2__tile--repay .home-v2__tile-label{color:#fde68a}
.home-v2__tile--docs .home-v2__tile-label{color:#ddd6fe}
.home-v2__tile--help .home-v2__tile-label{color:#bfdbfe}
.home-v2__activity-head{
  display:flex;justify-content:space-between;align-items:center;
  margin-bottom:10px;padding:0 4px;
}
.home-v2__activity-title{
  font-size:11px;font-weight:700;
  color:var(--on-dark-muted);
  letter-spacing:1px;text-transform:uppercase;
}
.home-v2__view-all{
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  border-radius:999px;cursor:pointer;
  font-size:12px;color:var(--on-dark-muted);
  font-family:inherit;min-height:36px;padding:6px 14px;
  box-shadow:var(--raised-sm);
  transition:color .15s,border-color .15s,box-shadow .15s,transform .15s;
}
.home-v2__view-all:hover{color:#fff;border-color:var(--glass-rim-strong);box-shadow:var(--raised-md)}
.home-v2__view-all:active{box-shadow:var(--inset-sm);transform:scale(.97)}
.home-v2__feed{display:flex;flex-direction:column;gap:8px;margin-bottom:16px}
.home-v2__feed-row{
  background:var(--glass-dark);
  border:1px solid var(--glass-rim);
  border-radius:14px;padding:14px;
  display:flex;align-items:center;gap:14px;
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.04);
  backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);
  transition:border-color .15s,box-shadow .15s;
}
.home-v2__feed-row:hover{border-color:var(--glass-rim-strong);box-shadow:var(--raised-md)}
.home-v2__feed-icon{
  width:36px;height:36px;border-radius:11px;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;font-size:18px;line-height:1;
  border:1px solid var(--glass-rim);
  box-shadow:var(--raised-sm),inset 0 1px 0 rgba(255,255,255,.08);
}
.home-v2__feed-icon .mm-icon{width:20px;height:20px}
.home-v2__feed-icon--neg{background:linear-gradient(145deg,rgba(220,38,38,.22) 0%,rgba(0,0,0,.2) 100%);color:#f87171;border-color:rgba(248,113,113,.25)}
.home-v2__feed-icon--pos{background:linear-gradient(145deg,rgba(22,163,74,.22) 0%,rgba(0,0,0,.2) 100%);color:#4ade80;border-color:rgba(74,222,128,.25)}
.home-v2__feed-icon--neu{background:linear-gradient(145deg,rgba(26,35,185,.28) 0%,rgba(0,0,0,.22) 100%);color:rgba(255,255,255,.75)}
.home-v2__feed-body{flex:1;min-width:0}
.home-v2__feed-title{font-size:14px;font-weight:600;color:var(--on-dark-secondary)}
.home-v2__feed-sub{font-size:11px;color:var(--on-dark-muted);margin-top:3px}
.home-v2__feed-amount{font-size:14px;font-weight:600;flex-shrink:0;font-family:var(--display);letter-spacing:.2px}
.home-v2__feed-amount--neg{color:#f87171}
.home-v2__feed-amount--pos{color:#4ade80}
.home-v2__feed-chevron{color:var(--on-dark-subtle);width:18px;height:18px;flex-shrink:0}
.home-v2__nav-spacer{
  flex:none;
  height:12px;
  min-height:0;
}

/* Bottom nav v2 */
.bottom-nav--v2{
  background:linear-gradient(180deg,rgba(14,16,48,.94) 0%,rgba(5,7,40,.98) 100%)!important;
  border-top:none!important;
  box-shadow:0 -8px 32px rgba(0,0,0,.45)!important;
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  padding-top:10px!important;
  padding-bottom:calc(18px + env(safe-area-inset-bottom))!important;
  height:auto!important;
  position:absolute!important;
  bottom:0!important;
  left:0!important;
  right:0!important;
  z-index:30;
}
.bottom-nav--v2::before{
  content:'';position:absolute;top:0;left:0;right:0;height:1px;
  background:linear-gradient(90deg,transparent 0%,rgba(120,150,255,.45) 50%,transparent 100%);
  box-shadow:0 0 12px rgba(100,140,255,.35);
  pointer-events:none;
}
.bottom-nav--v2 .bn-item{
  flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;
  background:none;border:none;cursor:pointer;
  text-align:center;font-family:var(--body);
  padding:6px 4px 4px;gap:5px;
  min-height:52px;opacity:1;
  position:relative;
  transition:transform .15s var(--ease);
}
.bottom-nav--v2 .bn-item::before{
  content:'';position:absolute;
  top:50%;left:50%;transform:translate(-50%,-58%);
  width:64px;height:52px;border-radius:50%;
  background:radial-gradient(ellipse 80% 70% at 50% 50%,rgba(80,120,255,.38) 0%,transparent 72%);
  opacity:0;transition:opacity .22s var(--ease);
  pointer-events:none;z-index:0;
}
.bottom-nav--v2 .bn-item.active::before{opacity:1;display:block}
.bottom-nav--v2 .bn-item.active::after{display:none}
.bottom-nav--v2 .bn-icon-wrap,
.bottom-nav--v2 .bn-label{position:relative;z-index:1}
.bottom-nav--v2 .bn-icon-wrap{
  width:28px;height:28px;
  display:flex;align-items:center;justify-content:center;
}
.bottom-nav--v2 .bn-icon-wrap .mm-icon{
  width:24px;height:24px;
  transition:color .2s,filter .2s,transform .2s;
}
.bottom-nav--v2 .bn-label{
  font-size:10px;font-weight:500;letter-spacing:.12px;
  color:rgba(140,155,200,.55);
  transition:color .2s,font-weight .2s,text-shadow .2s;
}
.bottom-nav--v2 .bn-item.active .bn-icon-wrap .mm-icon{
  color:#fff;
  filter:drop-shadow(0 0 8px rgba(255,255,255,.45));
}
.bottom-nav--v2 .bn-item.active .bn-label{
  color:#fff;font-weight:700;
  text-shadow:0 0 14px rgba(255,255,255,.35);
}
.bottom-nav--v2 .bn-item:not(.active) .bn-icon-wrap .mm-icon{
  color:rgba(140,155,200,.72);
}
.bottom-nav--v2 .bn-item:active{transform:scale(.94)}
.bottom-nav--v2 .bn-item:active .bn-icon-wrap .mm-icon{transform:scale(.92)}

html.pc-mode [data-id="dash-home"] .home-v2{
  max-width:420px;
}
html.pc-mode [data-layout="dashboard"] .home-v2-body{
  align-items:center;
}

/* ─── REPAYMENTS (dash-repayments) ─────────────────────── */
.repay-card .card-pad{padding:18px}
.repay-card--warn{
  border-color:rgba(217,119,6,.35);
  box-shadow:0 0 0 1px rgba(217,119,6,.08);
}
.repay-hero-amount{
  font-family:var(--display);
  font-size:32px;
  color:var(--ink);
  letter-spacing:.2px;
  line-height:1.1;
}
.repay-hero-amount--sm{font-size:26px}
.repay-bank-grid{
  background:var(--surface2);
  border-radius:var(--r-sm);
  padding:12px 14px;
}
.repay-bank-row{
  display:flex;
  justify-content:space-between;
  align-items:baseline;
  gap:12px;
  padding:5px 0;
  font-size:13px;
}
.repay-bank-label{color:var(--ink3);flex-shrink:0}
.repay-bank-value{
  font-weight:600;
  color:var(--ink);
  text-align:right;
}
.repay-bank-value--mono{font-family:monospace;font-size:12px}
.repay-copy-btn{width:100%}
.repay-utr-input{font-family:monospace}
.repay-submit-btn{width:100%}
.tabs--compact .tab{
  padding:6px 12px;
  font-size:12px;
}
.repay-history-card .repay-history-list{padding:0 4px}
.repay-history-empty{padding:28px 16px;text-align:center}
.repay-history-row{
  display:flex;
  align-items:flex-start;
  gap:12px;
  padding:14px 12px;
  border-bottom:1px solid var(--border);
}
.repay-history-row:last-child{border-bottom:none}
.repay-history-date{
  flex:0 0 72px;
  font-size:11px;
  color:var(--ink3);
  line-height:1.35;
}
.repay-history-body{flex:1;min-width:0}
.repay-history-title{
  font-size:14px;
  font-weight:600;
  color:var(--ink);
}
.repay-history-sub{
  font-size:12px;
  color:var(--ink3);
  margin-top:2px;
}
.repay-history-utr{font-size:11px;margin-top:4px;color:var(--ink2)}
.repay-history-amount{
  flex-shrink:0;
  font-size:14px;
  font-weight:700;
  font-family:monospace;
  color:var(--ink);
}
.repay-pill{
  display:inline-block;
  margin-top:6px;
  padding:2px 8px;
  border-radius:20px;
  font-size:10px;
  font-weight:600;
  letter-spacing:.3px;
  text-transform:uppercase;
}
.repay-pill--pending{
  background:var(--amber-soft);
  color:var(--amber);
}
.repay-pill--completed{
  background:var(--green-soft);
  color:var(--green);
}
.repay-pill--failed{
  background:rgba(220,38,38,.1);
  color:var(--red);
}

html.pc-mode [data-id="dash-repayments"] .repay-history-row{
  padding:16px 14px;
}
html.pc-mode [data-id="dash-repayments"] .repay-history-date{
  flex:0 0 88px;
  font-size:12px;
}
html.pc-mode [data-id="dash-repayments"] .repay-hero-amount{font-size:36px}
html.pc-mode [data-id="dash-repayments"] .repay-col-right .list-section-title{
  font-size:16px;
}

html:not(.pc-mode) [data-id="dash-repayments"] .repay-col-right .row.spread{
  flex-direction:column;
  align-items:flex-start;
  gap:10px;
}
html:not(.pc-mode) [data-id="dash-repayments"] #repayHistoryTabs{
  width:100%;
}
html:not(.pc-mode) [data-id="dash-repayments"] .repay-history-row{
  flex-wrap:wrap;
}
html:not(.pc-mode) [data-id="dash-repayments"] .repay-history-amount{
  width:100%;
  text-align:left;
  margin-top:4px;
  padding-left:84px;
}
html:not(.pc-mode) [data-id="dash-repayments"] .repay-submit-btn,
html:not(.pc-mode) [data-id="dash-repayments"] .repay-copy-btn{
  width:100%;
}

html.pc-mode [data-id="dash-repayments"] .page.dark .repay-bank-label,
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-history-date,
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-history-sub{
  color:rgba(255,255,255,.45);
}
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-bank-value,
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-history-title,
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-history-amount{
  color:rgba(255,255,255,.9);
}
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-bank-grid{
  background:rgba(255,255,255,.06);
}
html.pc-mode [data-id="dash-repayments"] .page.dark .repay-history-row{
  border-bottom-color:rgba(255,255,255,.06);
}