:root{
  --blue:#0b57d0;
  --light:#f6f9ff;
  --accent:#0a3fa8;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Inter,Segoe UI,Arial;background:linear-gradient(180deg,var(--light),#fff);color:#0b2b4a;margin:0;min-width:320px;overflow-x:hidden;position:relative}
body:before{content:"";position:fixed;inset:-20% auto auto -10%;width:420px;height:420px;background:radial-gradient(circle, rgba(11,87,208,0.18), transparent 60%);pointer-events:none;z-index:-1}
body:after{content:"";position:fixed;right:-10%;bottom:-14%;width:420px;height:420px;background:radial-gradient(circle, rgba(11,87,208,0.12), transparent 60%);pointer-events:none;z-index:-1}
img,svg,video{max-width:100%;display:block}
a,button,input,select,textarea{font:inherit}
button,input,select,textarea{border-radius:12px}
.nav, .site-header{background:linear-gradient(135deg,#061b3a 0%,#0c2c6d 28%,#0b57d0 68%,#0d7bec 100%);color:#fff;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;box-shadow:0 14px 30px rgba(8,28,69,.22);position:sticky;top:0;z-index:30;backdrop-filter:blur(10px)}
.site-header{border-bottom:1px solid rgba(255,255,255,.16)}
.brand-block{display:flex;align-items:center;gap:12px}
.brand-mark{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,#fff,#dfeeff);display:flex;align-items:center;justify-content:center;color:#0c2c6d;font-weight:900;box-shadow:0 10px 24px rgba(255,255,255,.18)}
.brand-copy{display:flex;flex-direction:column;line-height:1;gap:4px}
.brand-name{font-size:15px;letter-spacing:.14em;font-weight:800;text-transform:uppercase}
.brand-sub{font-size:10px;letter-spacing:.18em;text-transform:uppercase;opacity:.8}
.nav a, .nav-links a{color:#fff;margin-left:14px;text-decoration:none;font-weight:600;position:relative;transition:opacity .2s ease}
.nav a:hover, .nav-links a:hover{opacity:.85}
.nav a:after, .nav-links a:after{content:'';position:absolute;left:0;right:0;height:3px;background:linear-gradient(90deg,#fff8,#ffffff);bottom:-6px;transform:scaleX(0);transform-origin:left;transition:transform .18s}
.nav a:hover:after, .nav-links a:hover:after{transform:scaleX(1)}
.nav-links{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.nav-cta{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:10px 14px;border-radius:999px;font-weight:700}
.hero{padding:60px 24px;display:flex;gap:40px;align-items:center;max-width:1280px;margin:0 auto;background:radial-gradient(circle at top left, rgba(11,87,208,0.07), transparent 30%)}
.hero .left{max-width:640px;animation:fadeUp .7s ease both}
.eyebrow{display:inline-block;background:rgba(11,87,208,.08);color:#0d4cc2;padding:8px 12px;border-radius:999px;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.hero h1{font-size:52px;line-height:1.06;margin:0 0 12px;color:#0a233d;text-shadow:0 8px 24px rgba(11,87,208,0.08)}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--accent);color:#fff;padding:12px 18px;border-radius:8px;border:none;cursor:pointer;box-shadow:0 6px 18px rgba(10,63,168,0.18);transition:transform .18s, box-shadow .18s, opacity .18s;text-decoration:none;font-weight:700}
.btn:hover{transform:translateY(-3px);box-shadow:0 14px 26px rgba(10,63,168,0.22)}
.btn-light{background:#fff;color:var(--accent);border:1px solid rgba(10,63,168,.15)}
.btn-danger{background:#d92d20;color:#fff}
.btn-danger:hover{background:#c11e12}
.btn-success{background:#1ea76a;color:#fff}
.btn-success:hover{background:#168f59}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.cards{display:flex;gap:16px;margin-top:18px}
.card{background:#fff;padding:18px;border-radius:12px;box-shadow:0 6px 24px rgba(11,87,208,0.06);flex:1}
.muted{color:#58709b;line-height:1.7}
.hero-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:22px;max-width:620px}
.metric{background:rgba(11,87,208,0.04);border:1px solid rgba(11,87,208,0.08);padding:18px 16px;border-radius:16px;display:grid;gap:6px;box-shadow:0 12px 20px rgba(11,87,208,0.04)}
.metric strong{font-size:26px;color:#0c2c6d;display:block}
.metric span{font-size:13px;color:#58709b;font-weight:700}
.trust-strip{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.trust-strip span{padding:8px 12px;border-radius:999px;background:rgba(11,87,208,0.05);border:1px solid rgba(11,87,208,0.08);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#0d4cc2}
.detail-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:22px;align-items:stretch}
.detail-copy{padding:8px 0}
.detail-copy h2{margin:8px 0 12px;font-size:clamp(2rem,3vw,3rem);line-height:1.12;color:#0a233d}
.detail-copy p{color:#4e648c;line-height:1.8}
.detail-stack{display:grid;gap:16px}
.mini-insight{background:linear-gradient(180deg,#f9fbff,#eff5ff);border:1px solid rgba(11,87,208,0.08);padding:18px;border-radius:18px;box-shadow:0 12px 28px rgba(11,87,208,0.04)}
.mini-insight span{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#0d4cc2;font-weight:800;margin-bottom:8px}
.mini-insight strong{display:block;font-size:22px;color:#0c2c6d;margin-bottom:6px}
.mini-insight small{display:block;color:#58709b;line-height:1.6}
.mini-insight--alt{background:linear-gradient(135deg,#091f40,#143f7e 42%,#0b57d0);color:#fff}
.mini-insight--alt span,.mini-insight--alt small{color:rgba(255,255,255,0.82)}
.mini-insight--alt strong{color:#fff}
.slide{overflow:hidden;background:linear-gradient(90deg,#eaf2ff,#ffffff);padding:12px;border-radius:8px;margin-top:18px}
.ticker{display:inline-block;white-space:nowrap;animation:slide 12s linear infinite}
@keyframes slide{0%{transform:translateX(100%)}100%{transform:translateX(-100%)} }
.features{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-top:24px}
.feature{background:#fff;padding:14px;border-radius:10px;transition:transform .18s}
.feature:hover{transform:translateY(-6px)}
.service-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:20px}
.service-card{background:linear-gradient(180deg,#ffffff,#f2f8ff);border:1px solid rgba(11,87,208,0.08);border-radius:20px;padding:22px;box-shadow:0 18px 36px rgba(11,87,208,0.05);display:grid;gap:12px}
.service-card--featured{background:linear-gradient(135deg,#0a1d39,#133670 38%,#0b57d0);color:#fff}
.service-card--featured p,.service-card--featured .service-tag{color:rgba(255,255,255,0.82)}
.service-tag{display:inline-block;padding:7px 10px;border-radius:999px;background:rgba(11,87,208,0.08);color:#0d4cc2;font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:800}
.service-card h3{margin:0;font-size:24px;line-height:1.2}
.service-card p{margin:0;line-height:1.7;color:#4e648c}
.money-story{display:grid;grid-template-columns:1.1fr .9fr;gap:20px;align-items:center}
.story-panel{background:linear-gradient(180deg,#ffffff,#f4f9ff);padding:24px;border-radius:22px;border:1px solid rgba(11,87,208,0.08);box-shadow:0 18px 36px rgba(11,87,208,0.04)}
.story-panel--alt{display:grid;gap:12px;background:linear-gradient(135deg,#0b1d3f,#133772 40%,#0d66d0)}
.story-panel h2{margin:8px 0 14px;font-size:clamp(2rem,3vw,3rem);line-height:1.15;color:#0a233d}
.story-panel p{margin:0;line-height:1.8;color:#4e648c}
.story-panel--alt .story-row{display:flex;justify-content:space-between;gap:12px;padding:14px 16px;border-radius:16px;background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.12);color:#fff}
.story-panel--alt .story-row strong{font-size:15px}
.story-panel--alt .story-row span{color:rgba(255,255,255,0.8);font-size:13px}
.footer, .site-footer{padding:26px 24px 30px;background:linear-gradient(180deg,#081e3d 0%,#0c2b59 25%,#091c35 100%);color:#edf5ff;margin-top:30px;text-align:center;border-top:1px solid rgba(255,255,255,.08)}
.site-footer{margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:22px;max-width:1200px;margin:0 auto 22px;align-items:start;text-align:left}
.footer-brand{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.footer-brand .brand-mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,#fff,#dfeeff);color:#0c2c6d}
.footer-brand strong{font-size:18px;letter-spacing:.08em}
.footer-copy{color:rgba(237,245,255,.75);line-height:1.7}
.footer-column h4{margin:0 0 12px;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:rgba(237,245,255,.72)}
.footer-column a, .footer-column span{display:block;color:rgba(237,245,255,.8);text-decoration:none;margin-bottom:8px}
.footer-bottom{max-width:1200px;margin:0 auto;border-top:1px solid rgba(255,255,255,.12);padding-top:18px;color:rgba(237,245,255,.72)}
.showcase-head{display:flex;justify-content:space-between;align-items:end;gap:16px;margin-bottom:18px}
.showcase-head h2{margin:0}
.bank-slider{position:relative;height:420px;border-radius:24px;overflow:hidden;border:1px solid rgba(11,87,208,.08);box-shadow:0 22px 44px rgba(9,42,104,.15)}
.bank-slide{position:absolute;inset:0;display:flex;align-items:flex-end;padding:28px;opacity:0;visibility:hidden;transition:opacity .45s ease, transform .45s ease;transform:scale(1.02);background-size:cover;background-position:center}
.bank-slide.is-active{opacity:1;visibility:visible;transform:scale(1)}
.slide-content{max-width:420px;background:rgba(7,19,35,.38);backdrop-filter:blur(4px);border:1px solid rgba(255,255,255,.18);color:#fff;padding:22px;border-radius:18px}
.slide-content span{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:#dfe9ff;font-weight:700}
.slide-content h3{margin:8px 0 10px;font-size:30px;line-height:1.1}
.slide-content p{margin:0;line-height:1.6;color:rgba(255,255,255,.82)}
.slider-controls{display:flex;justify-content:center;gap:10px;margin-top:16px}
.slider-dot{width:12px;height:12px;border-radius:50%;border:none;background:rgba(11,87,208,.2);cursor:pointer;padding:0;transition:all .2s ease}
.slider-dot.is-active{background:var(--blue);transform:scale(1.2)}
.bank-visual{position:relative;width:min(100%,470px);min-height:420px;margin-left:auto;animation:floatPanel 7s ease-in-out infinite}
.floating-card{position:absolute;border-radius:22px;padding:20px;color:#fff;box-shadow:0 20px 40px rgba(11,87,208,.2);backdrop-filter:blur(3px)}
.card-primary{width:300px;height:180px;right:40px;top:26px;background:linear-gradient(135deg,#112a55,#163d8f 45%,#0b57d0);transform:rotate(14deg);animation:cardFloat 7s ease-in-out infinite}
.card-secondary{width:220px;height:160px;left:24px;bottom:18px;background:linear-gradient(135deg,#1d406f,#0a99d6);transform:rotate(-12deg);font-weight:700;animation:cardFloatAlt 8s ease-in-out infinite}
.card-top,.card-bottom{display:flex;justify-content:space-between;align-items:center}
.chip{width:42px;height:30px;border-radius:8px;background:linear-gradient(135deg,#ebd98a,#f7f0c3);margin-bottom:18px}
.card-primary .number{letter-spacing:3px;margin:22px 0 18px;font-size:20px;font-weight:700}
.mini-header{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.7);margin-bottom:16px}
.mini-amount{font-size:28px;font-weight:800;margin-bottom:20px}
.mini-bars{display:flex;gap:8px;align-items:end;height:44px}
.mini-bars span{display:block;flex:1;border-radius:8px 8px 0 0;background:rgba(255,255,255,.7)}
.mini-bars span:nth-child(1){height:30%}.mini-bars span:nth-child(2){height:55%}.mini-bars span:nth-child(3){height:75%}.mini-bars span:nth-child(4){height:100%}
.right{flex:1}
.video-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-top:18px}
.video-card{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 12px 30px rgba(11,87,208,0.06);display:flex;flex-direction:column}
.video-card video, .video-card iframe{width:100%;height:180px;object-fit:cover}
.video-card .vmeta{padding:12px}
.atm-row{display:flex;gap:12px;margin-top:18px;flex-wrap:wrap}
.atm{flex:1;min-width:220px;border-radius:14px;padding:18px;color:#fff;background:linear-gradient(135deg,var(--accent),var(--blue));box-shadow:0 20px 40px rgba(11,87,208,0.14);transform:translateY(0);transition:transform .28s}
.atm:hover{transform:translateY(-10px) rotate(-1deg)}
.atm .chip{width:44px;height:30px;border-radius:6px;background:rgba(255,255,255,0.9);display:inline-block;margin-bottom:12px}
.atm .number{letter-spacing:3px;margin-top:8px;font-weight:700}

@media (max-width:1100px){
  .hero{flex-direction:column;align-items:stretch;padding:44px 22px 26px;gap:28px}
  .hero .left,
  .hero .right{max-width:100%;width:100%}
  .hero .left{text-align:center;display:flex;flex-direction:column;align-items:center}
  .hero-actions{justify-content:center}
  .showcase-head{flex-direction:column;align-items:flex-start}
  .bank-visual{margin:0 auto}
  .feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stats-row{grid-template-columns:repeat(2,minmax(0,1fr))}
  .about-strip{flex-direction:column}
}

@media (max-width:980px){
  .hero{padding-top:34px}
  .hero h1{font-size:clamp(2.5rem,7vw,4rem)}
  .right{width:100%}
  .bank-visual{margin:0 auto;max-width:600px;width:100%}
  .feature-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .stats-row{grid-template-columns:repeat(2,minmax(0,1fr))}
  .about-strip{flex-direction:column}
}

@media (max-width:760px){
  .site-header,
  .nav{flex-direction:column;align-items:flex-start;gap:10px;padding:16px 18px}
  .nav-links{width:100%;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 12px}
  .nav a, .nav-links a{margin-left:0}
  .nav-links a{font-size:14px;white-space:nowrap}
  .hero{padding:32px 18px}
  .hero h1{font-size:clamp(2.2rem,7vw,3.2rem);line-height:1.08}
  .hero .left{text-align:left;align-items:flex-start}
  .hero-actions{justify-content:flex-start;width:100%}
  .hero-metrics{grid-template-columns:1fr;max-width:100%}
  .cards{flex-direction:column}
  .trust-strip{gap:8px}
  .trust-strip span{font-size:10px;letter-spacing:.08em}
  .detail-grid,.money-story,.service-grid{grid-template-columns:1fr}
  .detail-copy h2,.story-panel h2{font-size:clamp(1.9rem,7vw,2.5rem)}
  .bank-visual{width:100%;min-height:260px;overflow:hidden;display:flex;align-items:center;justify-content:center}
  .floating-card.card-primary{width:240px;height:150px;right:18px;top:28px;transform:rotate(10deg) scale(.96)}
  .floating-card.card-secondary{width:190px;height:130px;left:10px;bottom:18px;transform:rotate(-9deg) scale(.96)}
  .footer-grid{grid-template-columns:1fr; text-align:center}
  .footer-column{display:flex;flex-direction:column;align-items:center}
  .footer-brand{justify-content:center}
  .bank-slider{height:340px}
  .slide-content{max-width:88%}
  .slide-content h3{font-size:24px}
  .feature-grid,.stats-row{grid-template-columns:1fr}
  .premium-card-mini{width:100%}
  .service-card h3{font-size:22px}
}

@media (max-width:640px){
  .hero h1{font-size:38px}
  .nav, .site-header{padding:16px 18px;flex-wrap:wrap}
  .nav nav, .nav-links{display:flex;flex-wrap:wrap;gap:10px}
  .nav-links a{font-size:13px}
  .hero .left{text-align:left;align-items:flex-start}
  .hero-actions{flex-direction:column;align-items:stretch;width:100%}
  .hero-actions .btn{width:100%}
  .footer-grid{grid-template-columns:1fr; text-align:center}
  .footer-column{display:flex;flex-direction:column;align-items:center}
  .footer-brand{justify-content:center}
  .bank-slider{height:300px}
  .slide-content h3{font-size:22px}
  .floating-card.card-primary{width:220px;height:135px;right:6px;transform:rotate(8deg) scale(.9)}
  .floating-card.card-secondary{width:170px;height:120px;left:8px;transform:rotate(-8deg) scale(.9)}
  .feature-grid,.stats-row{grid-template-columns:1fr}
  .premium-card-mini{width:100%}
}

@media (max-width:480px){
  .brand-block{gap:8px}
  .brand-name{font-size:12px;letter-spacing:.12em}
  .brand-sub{font-size:9px;letter-spacing:.14em}
  .brand-mark{width:34px;height:34px}
  .nav-links{justify-content:center}
  .nav-links a{font-size:12px;white-space:nowrap}
  .hero-actions{flex-direction:column;align-items:stretch}
  .btn{width:100%}
  .bank-visual{min-height:220px}
  .floating-card.card-primary{width:190px;height:120px;right:10px;top:20px;transform:rotate(8deg) scale(.8)}
  .floating-card.card-secondary{width:150px;height:105px;left:6px;bottom:8px;transform:rotate(-8deg) scale(.8)}
  .bank-slider{height:270px}
  .slide-content{padding:18px;max-width:100%}
  .slide-content span{letter-spacing:.08em}
  .page-intro h2,.section-head h2,.about-strip h2,.privacy-hero h1{font-size:clamp(2rem,8vw,2.6rem)}
  .privacy-grid,.loan-grid,.advice-grid,.management-grid,.premium-card-grid{grid-template-columns:1fr}
  .login-panel{grid-template-columns:1fr}
  .login-form-wrap{padding:24px 18px}
  .login-visual{min-height:300px;padding:28px 20px}
  .login-visual h1{font-size:2.2rem}
  .captcha-code{font-size:28px;letter-spacing:5px}
  .site-footer, .footer{padding-left:14px;padding-right:14px}
}

/* Admin & User pages */
.login-shell{max-width:1200px;margin:40px auto;padding:20px}
.login-panel{display:grid;grid-template-columns:1.1fr .9fr;gap:0;overflow:hidden;border-radius:28px;background:linear-gradient(180deg,#f5f9ff,#ffffff);box-shadow:0 28px 70px rgba(11,87,208,.10);border:1px solid rgba(11,87,208,.08)}
.login-visual{position:relative;padding:42px 34px;background:linear-gradient(135deg,#091d3d 0%,#0d2b5d 28%,#184ea4 62%,#0b57d0 100%);color:#fff;min-height:640px;display:flex;flex-direction:column;justify-content:center;animation:floatPanel 8s ease-in-out infinite}
.login-visual:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right, rgba(255,255,255,0.18), transparent 28%), radial-gradient(circle at bottom left, rgba(118,198,255,0.22), transparent 30%);pointer-events:none}
.login-visual__badge{position:relative;z-index:1;display:inline-block;width:max-content;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);padding:8px 12px;border-radius:999px;font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:700}
.login-visual h1{position:relative;z-index:1;font-size:50px;line-height:1.08;margin:22px 0 18px;max-width:420px}
.login-visual p{position:relative;z-index:1;max-width:420px;color:rgba(255,255,255,.8);line-height:1.7;font-size:18px}
.security-list{position:relative;z-index:1;display:flex;flex-wrap:wrap;gap:12px;margin:28px 0}
.security-list span{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);padding:10px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.mini-bank-card{position:relative;z-index:1;width:min(100%,360px);margin-top:18px;padding:20px 18px;border-radius:20px;background:linear-gradient(135deg,rgba(255,255,255,.18),rgba(255,255,255,.04));backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.18);box-shadow:0 18px 40px rgba(7,20,51,.18)}
.mini-bank-card__row{display:flex;justify-content:space-between;align-items:center;font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:11px}
.mini-bank-code{margin:18px 0 14px;font-size:22px;font-weight:800;letter-spacing:3px}
.login-form-wrap{padding:36px 28px;background:rgba(255,255,255,.82);display:flex;flex-direction:column;justify-content:center;backdrop-filter:blur(6px)}
.login-badge{display:inline-block;width:max-content;background:rgba(11,87,208,.08);color:var(--blue);padding:8px 12px;border-radius:999px;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.login-form-wrap h2{margin:18px 0 22px;font-size:34px;color:#0c2c6d}
.captcha-box{background:linear-gradient(180deg,#f8fbff,#eef4ff);padding:20px;border-radius:18px;border:1px solid rgba(11,87,208,.12);margin-bottom:18px;box-shadow:0 18px 36px rgba(11,87,208,.06)}
.captcha-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.captcha-header span{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#58709b}
.captcha-refresh{border:none;background:rgba(11,87,208,0.08);color:var(--blue);padding:8px 10px;border-radius:999px;font-weight:700;cursor:pointer}
.captcha-code{font-size:36px;letter-spacing:8px;font-weight:900;color:#0d2b59;text-align:center;background:linear-gradient(135deg,#ddeaff,#f8fbff);padding:16px 12px;border-radius:12px;margin-bottom:12px;border:1px solid rgba(11,87,208,.08);box-shadow:inset 0 0 18px rgba(11,87,208,.04)}
.captcha-box input{padding:14px;border-radius:12px;border:1px solid #d9e6ff;background:#fff}
.login-fields{display:grid;gap:14px;margin-bottom:18px}
.field-label{font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#58709b}
.login-fields input{padding:14px;border-radius:12px;border:1px solid #d9e6ff;background:#fff;transition:border-color .18s, box-shadow .18s}
.login-fields input:focus,.captcha-box input:focus{outline:none;border-color:rgba(11,87,208,.45);box-shadow:0 0 0 4px rgba(11,87,208,.08)}
.login-submit{width:100%;padding:15px 18px;font-weight:800;font-size:15px;margin-top:8px}
.login-submit:disabled{opacity:.7;cursor:not-allowed;transform:none}
.login-message{min-height:22px;margin-top:12px;font-weight:700;font-size:14px}
.login-message.error{color:#bf1f1f}
.login-message.success{color:#1a8f5d}
.secure-note{margin-top:16px;padding-top:14px;border-top:1px solid rgba(11,87,208,.08);font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#58709b;font-weight:700;text-align:center}
@keyframes floatPanel{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
@keyframes fadeUp{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}
@keyframes cardFloat{0%,100%{transform:translateY(0) rotate(14deg)}50%{transform:translateY(-10px) rotate(16deg)}}
@keyframes cardFloatAlt{0%,100%{transform:translateY(0) rotate(-12deg)}50%{transform:translateY(-8px) rotate(-10deg)}}

.footer-link{color:#edf5ff;text-decoration:none;font-weight:700}
.footer-link:hover{text-decoration:underline}
.privacy-shell{padding:32px 24px 12px}
.privacy-hero{padding:24px 10px 10px;max-width:900px}
.privacy-hero h1{font-size:48px;line-height:1.08;color:#0a233d;margin:12px 0 14px}
.privacy-hero p{font-size:18px;line-height:1.8;color:#58709b;max-width:760px}
.privacy-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;margin-top:20px}
.privacy-card{background:linear-gradient(180deg,#fff,#f6faff);padding:24px;border-radius:20px;border:1px solid rgba(11,87,208,.08);box-shadow:0 18px 36px rgba(11,87,208,.05)}
.privacy-card h3{margin:0 0 12px;color:#0c2c6d;font-size:24px}
.privacy-card p{margin:0;line-height:1.8;color:#4e648c}
.privacy-card a{color:#0b57d0;font-weight:700;text-decoration:none}
.privacy-card a:hover{text-decoration:underline}
.privacy-commitment{margin-top:24px;padding:24px;border-radius:22px;background:linear-gradient(135deg,#edf5ff,#ffffff);border:1px solid rgba(11,87,208,.08)}
.privacy-commitment h3{margin:0 0 12px;color:#0c2c6d;font-size:28px}
.privacy-commitment p{margin:0;line-height:1.8;color:#4e648c}

.panel{max-width:1400px;width:calc(100% - 24px);margin:18px auto;padding:18px;border:1px solid rgba(11,87,208,0.06);box-shadow:0 18px 42px rgba(11,87,208,0.05)}
.admin-panel{display:grid;gap:24px}
.admin-panel__login{display:grid;gap:16px;padding:28px;background:rgba(255,255,255,0.92);border-radius:18px;box-shadow:0 24px 60px rgba(11,87,208,0.08)}

.user-dashboard{display:grid;grid-template-columns:260px 1fr;gap:20px}
.sidebar{background:#fff;border-radius:18px;box-shadow:0 20px 40px rgba(11,87,208,0.08);padding:20px;display:flex;flex-direction:column;gap:12px}
.sidebar-brand{font-weight:800;font-size:18px;color:var(--blue);display:flex;align-items:center;gap:10px;margin-bottom:18px}
.sidebar-logo{width:38px;height:38px;border-radius:12px;background:var(--accent);display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700}
.sidebar-btn{background:rgba(11,87,208,0.06);border:none;color:var(--blue);padding:14px 16px;border-radius:14px;text-align:left;cursor:pointer;font-weight:700;transition:transform .18s;text-decoration:none;display:block}
.sidebar-btn:hover{transform:translateX(4px)}
.sidebar-btn.active{background:var(--blue);color:#fff}
.logout-btn{background:rgba(255,75,75,0.12);color:#d32;margin-top:auto}
.dashboard-main{display:grid;gap:18px}
.dashboard-header{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:18px 0}
.welcome{font-size:22px;font-weight:700}
.profile-chip{width:54px;height:54px;border-radius:18px;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;box-shadow:0 18px 38px rgba(11,87,208,0.16)}
.profile-card{display:flex;align-items:center;gap:18px;background:#fff;border-radius:20px;padding:20px;box-shadow:0 20px 40px rgba(11,87,208,0.08)}
.profile-card--hero{background:linear-gradient(135deg,#081e3d 0%,#0b2d6a 32%,#0b57d0 100%);color:#fff;position:relative;overflow:hidden;padding:24px 22px;box-shadow:0 26px 50px rgba(8,30,61,0.18)}
.profile-card--hero:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right, rgba(255,255,255,0.22), transparent 25%);pointer-events:none}
.profile-picture{width:84px;height:84px;border-radius:20px;background:rgba(11,87,208,0.08);display:flex;align-items:center;justify-content:center;font-size:28px;font-weight:800;color:var(--blue);overflow:hidden}
.profile-picture img,.profile-chip img{width:100%;height:100%;object-fit:cover;border-radius:20px}
.profile-name{font-size:20px;font-weight:800;letter-spacing:1px}
.profile-card--hero .profile-name, .profile-card--hero .muted, .profile-card--hero .status-row{position:relative;z-index:1}
.profile-card--hero .muted{color:rgba(255,255,255,0.82)}
.uppercase{text-transform:uppercase;letter-spacing:1px}
.balance-block{text-align:right;margin-left:auto;position:relative;z-index:1}
.balance-block .muted{color:rgba(255,255,255,0.72)}
.balance-amount{font-size:28px;font-weight:800;color:#fff}
.balance-meta{display:flex;justify-content:flex-end;gap:8px;align-items:center;margin-top:8px;color:rgba(255,255,255,0.75);font-size:13px}
.balance-meta strong{color:#9ae6b4}
.status-row{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:12px}
.status-pill{display:inline-flex;align-items:center;padding:6px 10px;border-radius:999px;background:rgba(255,255,255,0.14);color:#fff;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;border:1px solid rgba(255,255,255,0.18)}
.status-pill--success{background:rgba(54,201,119,0.2);color:#baf7d0;border-color:rgba(138,247,183,0.25)}
.summary-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px}
.summary-card{background:#fff;border-radius:18px;padding:18px;box-shadow:0 18px 32px rgba(11,87,208,0.06);transition:transform .2s ease, box-shadow .2s ease}
.summary-card:hover{transform:translateY(-4px);box-shadow:0 20px 36px rgba(11,87,208,0.09)}
.summary-card--primary{background:linear-gradient(135deg,#eef5ff,#ffffff);border:1px solid rgba(11,87,208,0.08)}
.summary-label{font-size:13px;font-weight:700;text-transform:uppercase;color:#58709b;margin-bottom:8px}
.content-panel{background:#fff;border-radius:18px;padding:20px;box-shadow:0 18px 38px rgba(11,87,208,0.08)}
.dashboard-overview{padding:22px;position:relative;overflow:hidden}
.dashboard-overview:before{content:'';position:absolute;inset:0;background:linear-gradient(135deg, rgba(11,87,208,0.03), transparent 40%);pointer-events:none}
.overview-header{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:18px;position:relative;z-index:1}
.overview-header h3{margin:0;font-size:26px;color:#0c2c6d}
.tx-list{display:grid;gap:12px;position:relative;z-index:1}
.tx-item{display:grid;grid-template-columns:1.4fr 0.8fr 1.2fr auto;gap:14px;align-items:center;padding:16px 18px;border-radius:16px;background:linear-gradient(180deg,#ffffff,#f7faff);border:1px solid rgba(11,87,208,0.08);box-shadow:0 12px 25px rgba(11,87,208,0.04)}
.tx-item__meta{display:flex;flex-direction:column;gap:4px}
.tx-item__type{text-transform:capitalize;color:#58709b;font-weight:700}
.tx-item__amount{font-size:17px;font-weight:800;justify-self:end}
.tx-item__amount.credit{color:#1ea76a}
.tx-item__amount.debit{color:#d92d20}
.content-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.hidden{display:none}
.dashboard-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:18px;position:relative;z-index:1}
.insight-panel{background:linear-gradient(180deg,#f7fbff,#ffffff);border:1px solid rgba(11,87,208,0.08);padding:18px;border-radius:18px;box-shadow:0 14px 28px rgba(11,87,208,0.06)}
.mini-panel-header{display:flex;justify-content:space-between;align-items:center;gap:10px;color:#0b2b4a;font-weight:700;margin-bottom:16px}
.mini-tag{display:inline-flex;padding:7px 10px;border-radius:999px;background:rgba(11,87,208,0.08);color:var(--blue);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.mini-tag--green{background:rgba(30,167,106,0.12);color:#1ea76a}
.quick-actions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.action-card{display:flex;align-items:center;gap:12px;padding:14px;border-radius:16px;background:#fff;border:1px solid rgba(11,87,208,0.08);text-decoration:none;color:#0b2b4a;transition:transform .2s ease, box-shadow .2s ease}
.action-card:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(11,87,208,0.08)}
.action-card--primary{background:linear-gradient(135deg,#0b57d0,#0c2c6d);color:#fff}
.action-icon{width:42px;height:42px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:rgba(11,87,208,0.08);font-size:18px;font-weight:800}
.action-card--primary .action-icon{background:rgba(255,255,255,0.14)}
.action-card strong{display:block;font-size:16px}
.action-card small{display:block;color:inherit;opacity:.78}
.bank-card-visual{display:flex;align-items:center;justify-content:center;min-height:260px}
.premium-card-slab{width:min(100%, 360px);min-height:220px;padding:20px 22px;border-radius:26px;background:linear-gradient(135deg,#101c35 0%,#1c3a73 35%,#0b57d0 100%);box-shadow:0 26px 44px rgba(11,87,208,0.22);color:#fff;position:relative;overflow:hidden;animation:cardFloat 6s ease-in-out infinite}
.premium-card-slab:before{content:'';position:absolute;inset:0;background:linear-gradient(120deg,rgba(255,255,255,0.18),transparent 40%,rgba(255,255,255,0.06));pointer-events:none}
.slab-top,.slab-bottom{display:flex;justify-content:space-between;align-items:center;position:relative;z-index:1}
.slab-top{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-bottom:24px}
.slab-chip{width:50px;height:36px;border-radius:10px;background:linear-gradient(135deg,#f6d781,#d4ac52);margin:8px 0 16px;position:relative;z-index:1}
.slab-number{font-size:24px;letter-spacing:3px;font-weight:700;position:relative;z-index:1;margin-bottom:26px}
.slab-bottom{position:relative;z-index:1}
.slab-bottom small{display:block;text-transform:uppercase;letter-spacing:.12em;font-size:10px;color:rgba(255,255,255,.75);margin-bottom:6px}
.slab-bottom strong{text-transform:uppercase;letter-spacing:1px}
.insight-row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:18px;position:relative;z-index:1}
.spend-bars{display:flex;align-items:flex-end;justify-content:space-between;height:120px;gap:12px;margin-top:14px}
.spend-bars div{display:flex;flex-direction:column;align-items:center;justify-content:flex-end;gap:8px;flex:1}
.spend-bars span{display:block;width:100%;max-width:42px;border-radius:14px 14px 0 0;background:linear-gradient(180deg,#0b57d0,#7cb9ff)}
.spend-bars small{font-size:11px;color:#58709b;font-weight:700;text-transform:uppercase;letter-spacing:.08em}
.feature-list{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:12px}
.feature-list li{position:relative;padding-left:22px;color:#4e648c;line-height:1.6}
.feature-list li:before{content:'✓';position:absolute;left:0;top:0;color:#1ea76a;font-weight:800}
.transfer-tabs{display:flex;gap:12px;margin-bottom:18px;flex-wrap:wrap}
.transfer-tab{padding:12px 18px;border-radius:14px;border:1px solid rgba(11,87,208,0.14);background:#f6f9ff;color:var(--blue);cursor:pointer;font-weight:700;transition:all .18s}
.transfer-tab.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.transfer-table{width:100%;border-collapse:collapse;margin-top:12px}
.transfer-table td{padding:12px 10px}
.transfer-table td:first-child{width:260px;color:#58709b;font-weight:700}
.transfer-table input, .transfer-table select, .transfer-table textarea{width:100%;padding:12px;border-radius:12px;border:1px solid #d8e4f8;background:#fff}
.transfer-table textarea{resize:vertical}
.transfer-layout{display:grid;grid-template-columns:1.3fr .7fr;gap:18px;align-items:start}
.transfer-form-shell{background:linear-gradient(180deg,#f8fbff,#ffffff);border:1px solid rgba(11,87,208,0.08);border-radius:20px;padding:18px;box-shadow:0 18px 36px rgba(11,87,208,0.04)}
.transfer-summary-card{background:linear-gradient(180deg,#f5f9ff,#ffffff);border:1px solid rgba(11,87,208,0.08);border-radius:20px;padding:18px;box-shadow:0 18px 36px rgba(11,87,208,0.04)}
.transfer-summary-stack{display:grid;gap:12px;margin-top:18px}
.transfer-action-row{margin-top:12px;display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.transfer-note{margin:10px 0 18px;padding:12px 14px;border-left:4px solid #0b57d0;background:rgba(11,87,208,0.05);border-radius:10px;line-height:1.6}
.transfer-message{min-height:24px;margin-top:12px}
.saved-list{display:grid;gap:12px}
.saved-beneficiary-item{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:14px 16px;border:1px solid rgba(11,87,208,0.08);border-radius:16px;background:#fff;box-shadow:0 12px 22px rgba(11,87,208,0.04)}
.saved-actions{display:flex;gap:8px;flex-wrap:wrap}
.transfer-status{display:grid;gap:12px;justify-items:center;text-align:center;padding:30px 20px;min-height:220px;align-content:center}
.transfer-loader{display:none}
.filter-bar{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:18px;align-items:end}
.filter-bar label{display:block;margin-bottom:6px;font-size:12px;font-weight:700;text-transform:uppercase}
.filter-bar input{min-width:170px}
.tx-list{display:grid;gap:12px;margin-top:12px}
.tx-item{display:grid;grid-template-columns:1.5fr 1fr 2fr 1fr;gap:12px;align-items:center;padding:16px 18px;border:1px solid rgba(11,87,208,0.08);border-radius:16px;background:linear-gradient(180deg,#ffffff,#f5f9ff);box-shadow:0 12px 22px rgba(11,87,208,0.04)}
.tx-item__meta{display:grid;gap:4px}
.tx-item__meta strong{color:#0b2b4a}
.tx-item__type{color:#58709b;font-weight:700;text-transform:capitalize}
.tx-item__amount{font-weight:800;text-align:right}
.tx-item__amount.income{color:#1ea76a}
.tx-item__amount.expense{color:#d92d20}
@keyframes spin{to{transform:rotate(360deg)}}
.receipt-box{background:linear-gradient(180deg,#f7fbff,#ffffff);border:1px solid rgba(20,92,255,0.14);border-radius:22px;padding:26px;max-width:620px;width:100%;box-shadow:0 20px 40px rgba(5,46,120,0.08);text-align:left}
.receipt-header{font-size:28px;font-weight:800;color:var(--accent);margin-bottom:18px;display:flex;align-items:center;gap:10px}
.receipt-header:before{content:'✓';display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:rgba(30,167,106,0.12);color:#1ea76a;font-size:20px}
.receipt-row{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px dashed #dfeaff;align-items:center}
.receipt-row span{color:#58709b;font-weight:700}
.receipt-row strong{color:#0b2b4a;font-weight:800}
.receipt-row:last-child{border-bottom:none}
.receipt-shell{width:100%;max-width:760px}
.receipt-card{background:linear-gradient(180deg,#ffffff 0%, #f5f9ff 100%);border:1px solid rgba(11,87,208,0.12);border-radius:28px;padding:24px;box-shadow:0 24px 48px rgba(8,35,92,0.08);position:relative;overflow:hidden}
.receipt-card:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at top right, rgba(11,87,208,0.08), transparent 26%);pointer-events:none}
.receipt-topbar,.receipt-hero,.receipt-grid,.receipt-note-grid,.receipt-actions,.receipt-footer{position:relative;z-index:1}
.receipt-topbar{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-bottom:18px;border-bottom:1px solid rgba(11,87,208,0.08)}
.receipt-brand-block{display:flex;align-items:center;gap:12px}
.receipt-mark{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,#0b57d0,#0c2c6d);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900;box-shadow:0 12px 24px rgba(11,87,208,0.18)}
.receipt-brand-name{display:block;font-size:14px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#0a233d}
.receipt-brand-block small{display:block;color:#58709b;margin-top:4px}
.receipt-status-wrap{display:flex;flex-direction:column;align-items:flex-end;gap:6px}
.receipt-badge{display:inline-flex;align-items:center;justify-content:center;padding:8px 14px;border-radius:999px;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}
.receipt-badge.success{background:rgba(30,167,106,0.12);color:#1ea76a}
.receipt-date{font-size:12px;color:#58709b;font-weight:700}
.receipt-hero{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;padding:26px 0 18px}
.receipt-hero h2{margin:0;font-size:clamp(2rem,3vw,2.8rem);line-height:1.1;color:#0c2c6d}
.eyebrow{display:inline-block;background:rgba(11,87,208,0.08);color:#0d4cc2;padding:8px 12px;border-radius:999px;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px}
.receipt-amount-block{padding:16px 18px;border-radius:18px;background:linear-gradient(135deg,#111f3d,#0d2d68);color:#fff;min-width:200px;text-align:right;box-shadow:0 18px 32px rgba(11,87,208,0.15)}
.receipt-amount-block span{display:block;font-size:11px;letter-spacing:.12em;text-transform:uppercase;opacity:.8}
.receipt-amount-block strong{display:block;font-size:clamp(1.6rem,2vw,2.2rem);margin-top:8px}
.receipt-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 18px;padding-top:18px;border-top:1px solid rgba(11,87,208,0.08)}
.receipt-row{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;padding:12px 0;border-bottom:1px dashed #dfeaff}
.receipt-row span{color:#58709b;font-weight:700;flex:1}
.receipt-row strong{color:#0b2b4a;font-weight:800;text-align:right;flex:1.2;word-break:break-word}
.receipt-note-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}
.receipt-note{padding:16px 18px;border-radius:18px;background:linear-gradient(180deg,#f7fbff,#ffffff);border:1px solid rgba(11,87,208,0.08);box-shadow:0 12px 24px rgba(11,87,208,0.03)}
.receipt-note span{display:block;color:#58709b;font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:800;margin-bottom:8px}
.receipt-note strong{display:block;color:#0b2b4a;font-size:15px}
.receipt-footer{margin-top:24px;padding-top:18px;border-top:1px solid rgba(11,87,208,0.08)}
.receipt-footer p{margin:0;color:#4e648c;line-height:1.7}
.receipt-footer small{display:block;margin-top:10px;color:#58709b}
.receipt-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-top:16px}
.form-block{display:grid;gap:12px;max-width:520px}
@media print {
  body { background: #fff; }
  .nav, .sidebar, .dashboard-header, .receipt-actions, .btn, .btn-light, #logoutBtn { display: none !important; }
  .panel.user-dashboard, .dashboard-main { display: block !important; max-width: 100% !important; width: 100% !important; margin: 0 !important; padding: 0 !important; }
  .content-panel { box-shadow: none !important; border: none !important; padding: 0 !important; }
  .receipt-shell { max-width: 100% !important; }
  .receipt-card { box-shadow: none !important; border: 1px solid #dfeaff !important; border-radius: 0 !important; padding: 18px !important; }
}
.edit-modal{position:fixed;inset:20px auto auto 50%;transform:translateX(-50%);max-width:820px;width:min(90vw,820px);max-height:82vh;overflow-y:auto;z-index:1000;padding:20px;box-sizing:border-box;border-radius:18px}
@media (max-width:760px){
  .edit-modal{width:min(96vw,700px);max-height:78vh;padding:16px;}
  .edit-modal .form-row{grid-template-columns:1fr;}
  .edit-modal .form-row button{width:100%;}
}
```.admin-login-card{display:grid;gap:12px;padding:24px;border-radius:18px;background:linear-gradient(180deg,rgba(11,87,208,0.08),#fff)}
.admin-login__header{font-size:22px;font-weight:700;color:#0b3d82}
.error-message{min-height:22px;color:#bf1f1f}
.admin-panel__dashboard{display:grid;gap:18px}
.admin-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;justify-content:space-between}
.admin-status{display:flex;gap:10px;flex-wrap:wrap}
.badge{display:inline-flex;padding:10px 14px;border-radius:999px;background:rgba(11,87,208,0.12);color:var(--blue);font-weight:700}
.badge--info{background:rgba(10,63,168,0.12)}
.admin-form{background:#f8fbff;border:1px solid rgba(11,87,208,0.12);border-radius:16px;padding:18px}
input,select,textarea{padding:12px;border-radius:12px;border:1px solid #d8e4f8;width:100%;font-size:15px}
.form-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin-bottom:12px}
.accounts-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.account-card{background:#fff;border-radius:18px;box-shadow:0 20px 40px rgba(11,87,208,0.08);padding:18px;display:grid;gap:12px}
.account-card h4{margin:0 0 4px;font-size:18px}
.account-card p{margin:0;line-height:1.5}
.account-card .account-actions{display:flex;flex-wrap:wrap;gap:10px}
.account-card .account-meta{display:flex;gap:10px;flex-wrap:wrap}
.account-card .pill{padding:6px 12px;border-radius:999px;background:rgba(10,63,168,0.08);color:var(--blue);font-weight:700}
.tx{display:flex;justify-content:space-between;padding:12px;border-bottom:1px dashed #eef5ff}
.muted{color:#58709b}

/* responsive */
@media (max-width:900px){
  .admin-actions{flex-direction:column;align-items:flex-start}
  .user-dashboard{grid-template-columns:1fr}
  .sidebar{flex-direction:row;flex-wrap:wrap;align-items:center}
  .sidebar-brand{margin-bottom:0}
  .sidebar-btn{flex:1 1 180px}
  .logout-btn{margin-top:0;margin-left:auto}
  .dashboard-main{min-width:0}
}

@media (max-width:640px){
  .nav strong{display:block;line-height:1.4}
  .admin-actions{display:flex;flex-direction:column;align-items:stretch;gap:10px}
  .admin-actions > div{display:flex;flex-wrap:wrap;gap:8px;width:100%}
  .admin-actions .btn{width:100%}
  .admin-form{padding:14px}
  .form-row{grid-template-columns:1fr}
  .accounts-grid{grid-template-columns:1fr}
  .account-card{padding:16px}
  .account-card h4{font-size:16px;line-height:1.4;display:flex;flex-wrap:wrap;gap:8px}
  .account-card .account-meta{flex-direction:column;align-items:flex-start}
  .account-card .account-actions{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
  .account-card .account-actions .btn{width:100%;padding:10px 12px;font-size:13px}
  .sidebar{padding:14px;gap:10px}
  .sidebar-btn{flex:1 1 100%}
  .dashboard-header,.profile-card{flex-direction:column;align-items:flex-start}
  .profile-card{padding:16px}
  .summary-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .content-grid{grid-template-columns:1fr}
  .transfer-tabs{display:grid;grid-template-columns:1fr}
  .transfer-tab{width:100%;text-align:center}
  .receipt-row{flex-direction:column;align-items:flex-start}
}

@media (max-width:480px){
  .nav{padding:14px 16px}
  .nav strong{font-size:13px}
  .badge{font-size:11px;padding:8px 12px}
  .summary-grid{grid-template-columns:1fr}
  .account-card .account-actions{grid-template-columns:1fr}
  .account-card .account-meta .pill{width:100%}
  .profile-name{font-size:18px}
  .balance-amount{font-size:24px}
  .login-panel{grid-template-columns:1fr}
  .login-form-wrap{padding:24px 18px}
  .login-visual{min-height:280px;padding:24px 18px}
}

.rating{color:gold;font-weight:700}

/* Video and media styles */
.video-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:14px;margin-top:18px}
.video-card{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 12px 30px rgba(11,87,208,0.06);display:flex;flex-direction:column}
.video-card video, .video-card iframe{width:100%;height:180px;object-fit:cover}
.video-card .vmeta{padding:12px}

.showcase-panel, .trust-panel{padding:30px 24px}
.feature-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:24px}
.feature-block{background:linear-gradient(180deg,#ffffff,#edf5ff);padding:22px;border-radius:20px;border:1px solid rgba(11,87,208,.08);box-shadow:0 18px 36px rgba(11,87,208,.06);transition:transform .2s ease, box-shadow .2s ease;position:relative;overflow:hidden}
.feature-block:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg, rgba(11,87,208,.04), transparent 60%);pointer-events:none}
.feature-block:hover{transform:translateY(-8px);box-shadow:0 22px 42px rgba(11,87,208,.10)}
.feature-block--dark{background:linear-gradient(135deg,#081f3b,#13315d 38%,#0b57d0);color:#fff}
.feature-block--accent{background:linear-gradient(135deg,#ebf7ff,#dbeeff)}
.feature-block h3{margin:10px 0 10px;font-size:24px}
.feature-block p{margin:0;line-height:1.7;color:inherit;opacity:.85}
.feature-block--dark p{color:rgba(255,255,255,.82)}
.mini-label{display:inline-block;padding:7px 10px;border-radius:999px;background:rgba(11,87,208,.08);color:var(--blue);font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:800}
.feature-block--dark .mini-label{background:rgba(255,255,255,.08);color:#fff}
.stats-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:20px}
.stat-box{background:linear-gradient(180deg,#ffffff,#f3f9ff);padding:22px;border-radius:20px;border:1px solid rgba(11,87,208,.08);text-align:center;box-shadow:0 18px 36px rgba(11,87,208,.05)}
.stat-box strong{display:block;font-size:36px;color:#0c2c6d;margin-bottom:8px}
.stat-box span{color:#58709b;font-weight:700}
.premium-showcase{display:flex;gap:18px;flex-wrap:wrap;justify-content:center;margin-top:22px}
.premium-card-mini{width:220px;height:140px;padding:18px;border-radius:20px;display:flex;flex-direction:column;justify-content:space-between;color:#fff;box-shadow:0 20px 36px rgba(11,87,208,.12);transform:rotate(-6deg);transition:transform .2s ease}
.premium-card-mini:hover{transform:rotate(0deg) translateY(-6px)}
.premium-card-mini--gold{background:linear-gradient(135deg,#5b4609,#d3ad50 48%,#f5df98)}
.premium-card-mini--silver{background:linear-gradient(135deg,#303540,#8a98a8 45%,#dfe8ef);transform:rotate(5deg)}
.premium-card-mini--platinum{background:linear-gradient(135deg,#1d2433,#66758d 46%,#dfe7ef)}
.premium-card-mini span{font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:800;opacity:.9}
.premium-card-mini strong{font-size:28px;letter-spacing:3px}
.about-strip{padding:30px 24px;display:flex;justify-content:space-between;align-items:flex-start;gap:26px}
.about-strip h2{margin:10px 0 0;font-size:34px;max-width:620px}
.about-strip__copy{max-width:520px;line-height:1.8}
.about-strip__copy p{margin:0 0 10px}

/* ATM card visuals */
.atm-row{display:flex;gap:12px;margin-top:18px}
.atm{flex:1;border-radius:14px;padding:18px;color:#fff;background:linear-gradient(135deg,var(--accent),var(--blue));box-shadow:0 20px 40px rgba(11,87,208,0.14);transform:translateY(0);transition:transform .28s}
.atm:hover{transform:translateY(-10px) rotate(-1deg)}
.atm .chip{width:44px;height:30px;border-radius:6px;background:rgba(255,255,255,0.9);display:inline-block;margin-bottom:12px}
.atm .number{letter-spacing:3px;margin-top:8px;font-weight:700}

.premium-credit-page{padding:28px}
.page-intro{display:flex;justify-content:space-between;gap:26px;align-items:end;margin-bottom:26px}
.page-intro h2{margin:8px 0 0;font-size:38px;line-height:1.1}
.page-intro .muted{max-width:540px}
.premium-card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:28px}
.premium-card{position:relative;padding:24px;border-radius:24px;overflow:hidden;min-height:360px;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 18px 30px rgba(15,29,48,0.14);border:1px solid rgba(255,255,255,0.25)}
.premium-card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,0.18),rgba(255,255,255,0));pointer-events:none}
.premium-card--platinum{background:linear-gradient(135deg,#2f3647,#7b8395 45%,#dfe7ef);color:#fff}
.premium-card--gold{background:linear-gradient(135deg,#5c4306,#cfa752 46%,#f7e5a8);color:#2a200b}
.premium-card--silver{background:linear-gradient(135deg,#4d525d,#b6bec8 45%,#dfe8ee);color:#101720}
.card-top-row{display:flex;justify-content:space-between;align-items:center;position:relative;z-index:1}
.card-brand,.card-tier{font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:12px}
.card-number{position:relative;z-index:1;letter-spacing:3px;font-weight:700;font-size:22px;margin:10px 0}
.card-meta{display:flex;justify-content:space-between;gap:12px;position:relative;z-index:1}
.card-meta small{display:block;opacity:.78;margin-bottom:6px;font-size:10px;text-transform:uppercase;letter-spacing:.08em}
.card-meta strong{font-size:15px}
.card-benefits{position:relative;z-index:1;background:rgba(255,255,255,0.12);padding:16px;border-radius:16px;border:1px solid rgba(255,255,255,0.2)}
.premium-card--gold .card-benefits,.premium-card--silver .card-benefits{background:rgba(255,255,255,0.14)}
.premium-card--gold .card-benefits{border-color:rgba(91,72,26,0.18)}
.premium-card--silver .card-benefits{border-color:rgba(26,28,32,0.13)}
.card-benefits h3{margin:0 0 10px;font-size:22px}
.card-benefits ul{margin:0;padding-left:18px;line-height:1.7}
.credit-highlights{margin-top:28px}
.highlight-banner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:22px 24px;border-radius:20px;background:linear-gradient(135deg,#0b1f45,#123c8c 52%,#0b57d0);color:#fff;box-shadow:0 18px 36px rgba(11,87,208,.14);margin-bottom:18px}
.highlight-banner h3{margin:10px 0 0;font-size:30px;line-height:1.2}
.credit-meta-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-bottom:18px}
.credit-stat{background:linear-gradient(180deg,#fff,#f4f9ff);padding:18px;border-radius:18px;border:1px solid rgba(11,87,208,.08);box-shadow:0 14px 30px rgba(11,87,208,.05)}
.credit-stat strong{display:block;font-size:28px;color:#0c2c6d;margin-bottom:10px}
.credit-stat span{display:block;color:#58709b;line-height:1.6}
.benefit-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:28px}
.benefit-grid .feature{padding:20px;background:linear-gradient(180deg,#fff,#f6faff);border:1px solid rgba(11,87,208,.08);border-radius:18px;box-shadow:0 18px 32px rgba(11,87,208,.05)}
.benefit-grid .feature h3{margin:0 0 8px;font-size:20px}
.benefit-grid .feature p{margin:0 0 12px;line-height:1.6;color:#4e648c}
.benefit-grid .feature ul{margin:0;padding-left:18px;line-height:1.8;color:#23476b}
.benefit-grid .feature li::marker{color:var(--blue)}

/* Nav hover underline */
.nav nav a{position:relative}
.nav nav a:after{content:'';position:absolute;left:0;right:0;height:3px;background:linear-gradient(90deg,#fff8,#ffffff);bottom:-6px;transform:scaleX(0);transform-origin:left;transition:transform .18s}
.nav nav a:hover:after{transform:scaleX(1)}

/* subtle glass panel */
.panel{background:rgba(255,255,255,0.9);backdrop-filter:blur(4px);border-radius:12px}

.loan-hero{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:28px;max-width:1240px;margin:0 auto;padding:50px 24px 20px}
.loan-hero__content h1{font-size:52px;line-height:1.05;margin:0 0 14px;color:#0a233d}
.loan-hero__content .muted{font-size:18px;line-height:1.7;max-width:640px}
.loan-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:28px}
.loan-metrics div{background:#fff;padding:18px;border-radius:18px;border:1px solid rgba(11,87,208,.1);box-shadow:0 14px 30px rgba(11,87,208,.05)}
.loan-metrics strong{display:block;font-size:28px;color:var(--blue);margin-bottom:6px}
.loan-metrics span{color:#58709b;line-height:1.5}
.loan-visual{position:relative;min-height:380px;display:flex;align-items:center;justify-content:center}
.loan-card{border-radius:24px;box-shadow:0 22px 38px rgba(11,87,208,.16);position:absolute}
.loan-card--main{width:330px;height:200px;padding:22px;background:linear-gradient(135deg,#0d1f48,#143f86 48%,#0b57d0);color:#fff;right:40px;top:35px;transform:rotate(12deg)}
.loan-card__header,.loan-mini{display:flex;justify-content:space-between;align-items:center}
.loan-card__header{font-size:12px;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.8)}
.loan-amount{font-size:42px;font-weight:800;margin:24px 0 18px}
.loan-mini{padding-top:16px;border-top:1px solid rgba(255,255,255,.15)}
.loan-mini span{font-size:12px;opacity:.8}
.loan-mini strong{font-size:22px}
.loan-card--small{width:220px;height:150px;padding:18px;left:20px;bottom:15px;background:linear-gradient(135deg,#f6fbff,#dfeeff);color:#0d2b59;transform:rotate(-12deg)}
.loan-card--small span{display:block;color:#58709b;font-size:12px;text-transform:uppercase;letter-spacing:.1em}
.loan-card--small strong{display:block;font-size:32px;margin:12px 0 18px}
.bars{display:flex;gap:8px;height:42px;align-items:flex-end}
.bars span{display:block;flex:1;border-radius:8px 8px 0 0;background:linear-gradient(180deg,#0b57d0,#8ec6ff)}
.bars span:nth-child(1){height:35%}.bars span:nth-child(2){height:55%}.bars span:nth-child(3){height:75%}.bars span:nth-child(4){height:100%}
.loan-section{padding:28px 24px}
.section-head{margin-bottom:20px}
.section-head h2{margin:10px 0 0;font-size:34px}
.loan-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.loan-tile,.advice-card,.manage-card{background:#fff;border:1px solid rgba(11,87,208,.08);border-radius:20px;padding:22px;box-shadow:0 14px 30px rgba(11,87,208,.05)}
.loan-tile h3,.advice-card h3,.manage-card h3{margin:0 0 10px;font-size:22px;color:#0c2c6d}
.loan-tile p,.advice-card p,.manage-card p{margin:0 0 12px;color:#58709b;line-height:1.7}
.loan-tile ul{margin:0;padding-left:18px;line-height:1.8;color:#0b2b4a}
.advice-grid,.management-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}

.exchange-card{margin-top:20px;background:linear-gradient(180deg,#f7faff,#fff);border:1px solid rgba(11,87,208,0.08);border-radius:24px;padding:18px;box-shadow:0 18px 36px rgba(11,87,208,0.10);position:relative;overflow:hidden;animation:cardFloat 5s ease-in-out infinite}
.exchange-card:before{content:'';position:absolute;inset:0;background:linear-gradient(120deg,rgba(11,87,208,0.08),rgba(30,167,106,0.04),transparent 70%);pointer-events:none}
.exchange-header{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:12px;position:relative;z-index:1}
.exchange-header h4{margin:6px 0 0;font-size:22px}
.exchange-live{display:inline-flex;padding:6px 10px;border-radius:999px;background:rgba(30,167,106,0.12);color:#1ea76a;font-size:12px;font-weight:800;letter-spacing:0.08em;text-transform:uppercase;animation:pulse 1.8s ease-in-out infinite}
.exchange-chart{width:100%;height:180px;background:linear-gradient(180deg,#f5f9ff,#ffffff);border-radius:12px;border:1px solid rgba(11,87,208,0.06);box-shadow:inset 0 0 18px rgba(11,87,208,0.03)}
.exchange-meta{display:grid;grid-template-columns:repeat(2,minmax(140px,1fr));gap:12px;margin-top:14px;position:relative;z-index:1}
.exchange-meta div{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid rgba(11,87,208,0.08);border-radius:12px;padding:12px 14px;transition:transform .22s ease, box-shadow .22s ease;box-shadow:0 8px 16px rgba(11,87,208,0.04)}
.exchange-meta div:hover{transform:translateY(-2px);box-shadow:0 12px 20px rgba(11,87,208,0.08)}
.exchange-meta span{color:#58709b;font-weight:700}
.exchange-meta strong{font-size:18px;color:var(--accent);transition:color .2s ease, transform .2s ease}
.exchange-meta div.updating strong{color:#1ea76a;transform:scale(1.05)}
@keyframes pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.06);opacity:.9}}
@keyframes cardFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-3px)}}

/* Responsive */
@media (max-width:980px){
  .user-dashboard{grid-template-columns:1fr;}
  .sidebar{flex-direction:row;flex-wrap:wrap;align-items:center;}
  .sidebar-brand{margin-bottom:0;}
  .sidebar-btn{flex:1 1 180px;}
  .logout-btn{margin-top:0;margin-left:auto;}
}

@media (max-width:800px){
  .hero{flex-direction:column;text-align:center}
  .nav, .site-header{flex-direction:column;gap:8px}
  .nav nav, .nav-links{display:flex;flex-wrap:wrap;gap:8px}
  .loan-hero{grid-template-columns:1fr;padding-top:30px}
  .loan-hero__content h1{text-align:center}
  .loan-hero__content .muted{margin:0 auto}
  .loan-metrics,.loan-grid,.advice-grid,.management-grid{grid-template-columns:1fr}
  .loan-visual{min-height:300px}
  .loan-card--main{right:20px;top:10px}
  .exchange-meta{grid-template-columns:1fr}
  .dashboard-header,.profile-card{flex-direction:column;align-items:flex-start}
  .balance-block{text-align:left;margin-left:0;width:100%}
  .transfer-table td:first-child{display:block;width:100%;padding-bottom:6px}
  .transfer-table td{display:block;width:100%}
  .transfer-table{display:block}
}

@media (max-width:640px){
  .panel{width:calc(100% - 12px);padding:12px}
  .sidebar{padding:14px}
  .sidebar-btn{flex:1 1 100%}
  .summary-grid,.content-grid,.video-grid,.benefit-grid,.premium-card-grid,.credit-meta-grid{grid-template-columns:1fr}
  .dashboard-header{padding-top:8px}
  .profile-name{font-size:18px}
  .balance-amount{font-size:24px}
  .content-panel{padding:16px}
  .transfer-tab{width:100%;text-align:center}
  .transfer-tabs{display:grid;grid-template-columns:1fr}
  .receipt-row{flex-direction:column;align-items:flex-start}
  .account-card .account-actions{flex-direction:column;align-items:stretch}
  .account-card .account-actions .btn{width:100%}
  .page-intro{flex-direction:column;align-items:flex-start}
  .premium-credit-page{padding:16px}
  .page-intro h2{font-size:28px}
  .highlight-banner{padding:18px 16px;flex-direction:column;align-items:flex-start}
  .highlight-banner .btn{width:100%}
}