:root {
  --color-primary: #1d4ed8;
  --color-primary-dark: #1e40af;
  --color-secondary: #0f172a;
  --color-success: #16a34a;
  --color-success-dark: #15803d;
  --color-warning: #d97706;
  --color-danger: #dc2626;
  --color-bg: #f8fafc;
  --color-surface: #ffffff;
  --color-text: #1e293b;
  --color-muted: #64748b;
  --color-border: #e2e8f0;
  --radius: 12px;
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
  --max-width: 1100px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  background-color: var(--color-bg);
  color: var(--color-text);
  line-height: 1.6;
}

a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ── Header ── */
.site-header {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-secondary);
}
.logo:hover { text-decoration: none; }
.logo-icon { font-size: 1.5rem; }

.main-nav { display: flex; align-items: center; gap: 1.5rem; }
.main-nav a { font-weight: 500; color: var(--color-text); }
.main-nav a:hover { color: var(--color-primary); text-decoration: none; }

.admin-dropdown { position: relative; }
.admin-dropdown-toggle { display: flex; align-items: center; gap: 0.25rem; }

.admin-dropdown-menu {
  position: absolute;
  top: calc(100% + 0.5rem);
  right: 0;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 180px;
  padding: 0.5rem 0;
  display: none;
  z-index: 200;
}
.admin-dropdown-menu.open { display: block; }

.admin-dropdown-menu a,
.admin-dropdown-menu button {
  display: block;
  width: 100%;
  text-align: left;
  padding: 0.6rem 1rem;
  background: none;
  border: none;
  font-size: 0.95rem;
  color: var(--color-text);
  cursor: pointer;
}
.admin-dropdown-menu a:hover,
.admin-dropdown-menu button:hover {
  background: var(--color-bg);
  color: var(--color-primary);
  text-decoration: none;
}
.admin-dropdown-menu form { margin: 0; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  border: none;
  border-radius: var(--radius);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
  font-family: inherit;
}
.btn:hover { text-decoration: none; }

.btn-primary { background-color: var(--color-primary); color: #fff; }
.btn-primary:hover { background-color: var(--color-primary-dark); }

.btn-secondary { background-color: #fff; color: var(--color-primary); border: 1px solid var(--color-border); }
.btn-secondary:hover { background-color: var(--color-bg); }

.btn-success { background-color: var(--color-success); color: #fff; }
.btn-success:hover { background-color: var(--color-success-dark); }

.btn-danger { background: #dc2626; color: #fff; border: none; }
.btn-danger:hover { background: #b91c1c; }

.btn-ghost { background-color: transparent; color: var(--color-primary); border: 1px solid var(--color-border); }
.btn-ghost:hover { background-color: var(--color-bg); }

.btn-sm { padding: 0.5rem 0.875rem; font-size: 0.875rem; }
.btn-block { width: 100%; }

/* ══════════════════════════════════════
   HERO - redesigned
══════════════════════════════════════ */
.hero {
  background: linear-gradient(150deg, #0f172a 0%, #1d4ed8 60%, #3b82f6 100%);
  padding: 5rem 0 4rem;
  color: #fff;
  text-align: center;
}

.hero-badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  color: #e0f2fe;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 0.35rem 1rem;
  border-radius: 999px;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
}

.hero-content { max-width: 760px; margin: 0 auto; }

.hero h1 {
  font-size: clamp(2rem, 5vw, 3.25rem);
  font-weight: 800;
  line-height: 1.1;
  margin: 0 0 1rem;
  color: #fff;
}

.hero-subtitle {
  font-size: 1.1rem;
  color: #bfdbfe;
  margin: 0 0 2rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.hero-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; margin-bottom: 1rem; }

.btn-hero {
  background: #fff;
  color: var(--color-primary);
  font-size: 1rem;
  padding: 0.85rem 2rem;
  border-radius: 999px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.2);
  font-weight: 700;
  border: none;
  cursor: pointer;
  font-family: inherit;
  display: inline-flex;
  align-items: center;
  transition: all 0.2s;
}
.btn-hero:hover { background: #eff6ff; text-decoration: none; color: var(--color-primary); }

.btn-hero-ghost {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.35);
  padding: 0.85rem 2rem;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  font-family: inherit;
}
.btn-hero-ghost:hover { background: rgba(255,255,255,0.2); text-decoration: none; color: #fff; }

.hero-disclaimer { font-size: 0.8rem; color: rgba(255,255,255,0.55); margin: 0.5rem 0 2rem; }

.hero-trust {
  display: flex;
  gap: 2rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.15);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.88rem;
  color: #bfdbfe;
  font-weight: 500;
}
.trust-icon { font-size: 1rem; }

/* Features */
.features { padding: 4rem 0; background: var(--color-surface); }
.feature-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.5rem; }
.feature-card {
  padding: 2rem;
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  background: var(--color-surface);
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.feature-card h3 { margin: 0 0 0.5rem; font-size: 1.25rem; }
.feature-card p { margin: 0; color: var(--color-muted); }

/* ── Alerts ── */
.alert {
  padding: 1rem 1.25rem;
  border-radius: 10px;
  margin-bottom: 1.5rem;
  font-size: 0.95rem;
  font-weight: 500;
}
.alert-success { background: #dcfce7; color: #166534; border: 1px solid #bbf7d0; }
.alert-error   { background: #fee2e2; color: #991b1b; border: 1px solid #fecaca; }

/* ══════════════════════════════════════
   APPLY SECTION & MULTI-STEP FORM
══════════════════════════════════════ */
.apply-section { padding: 4rem 0; }

.apply-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 2rem;
  align-items: start;
}

@media (max-width: 900px) {
  .apply-layout { grid-template-columns: 1fr; }
  .apply-sidebar { display: none; }
}

/* Step Progress */
.step-progress {
  display: flex;
  align-items: center;
  margin-bottom: 2rem;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 14px;
  padding: 1rem 1.5rem;
}

.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  flex: 1;
  position: relative;
}

.step-circle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--color-border);
  color: var(--color-muted);
  font-size: 0.9rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s;
}
.step-item.active .step-circle {
  background: var(--color-primary);
  color: #fff;
  box-shadow: 0 0 0 4px rgba(29,78,216,0.15);
}
.step-item.done .step-circle {
  background: var(--color-success);
  color: #fff;
}
.step-item.done .step-circle::after { content: 'v'; }
.step-item.done .step-circle span { display: none; }

.step-label {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  white-space: nowrap;
}
.step-item.active .step-label { color: var(--color-primary); }
.step-item.done .step-label   { color: var(--color-success); }

.step-connector {
  height: 2px;
  flex: 1;
  background: var(--color-border);
  margin-bottom: 1.4rem;
  transition: background 0.3s;
}

/* Form Steps */
.form-step { display: block; }
.form-step.hidden { display: none; }

/* Step Header */
.step-header {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.step-header-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  background: #eff6ff;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}
.step-header h3 { margin: 0 0 0.2rem; font-size: 1.25rem; }
.step-header p  { margin: 0; color: var(--color-muted); font-size: 0.9rem; }

/* Field Card */
.field-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 14px;
  padding: 1.5rem;
  margin-bottom: 1.25rem;
  box-shadow: var(--shadow-sm);
}

/* Form elements */
.form-group { margin-bottom: 1.1rem; }
.form-group:last-child { margin-bottom: 0; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

label {
  display: block;
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--color-text);
  margin-bottom: 0.4rem;
}
.req { color: #dc2626; }

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="password"],
input[type="number"],
input[type="date"],
select,
textarea {
  width: 100%;
  padding: 0.7rem 0.9rem;
  border: 1.5px solid var(--color-border);
  border-radius: 9px;
  font-size: 0.95rem;
  background: #fff;
  color: var(--color-text);
  transition: border-color 0.2s, box-shadow 0.2s;
  font-family: inherit;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(29,78,216,0.1);
}

.select-wrap { position: relative; }
.select-wrap select { appearance: none; padding-right: 2.5rem; }
.select-wrap::after {
  content: 'v';
  position: absolute;
  right: 0.9rem;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  color: var(--color-muted);
  font-size: 0.8rem;
}

.input-with-prefix {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--color-border);
  border-radius: 9px;
  overflow: hidden;
  background: #fff;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.input-with-prefix:focus-within {
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(29,78,216,0.1);
}
.currency-prefix {
  padding: 0 0.85rem;
  background: var(--color-bg);
  border-right: 1.5px solid var(--color-border);
  font-weight: 700;
  font-size: 0.85rem;
  color: var(--color-muted);
  white-space: nowrap;
  min-width: 3.5rem;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
}
.input-with-prefix input {
  border: none;
  box-shadow: none;
  border-radius: 0;
  flex: 1;
}
.input-with-prefix input:focus { box-shadow: none; }

/* Purpose Grid */
.purpose-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.65rem;
  margin-top: 0.4rem;
}
@media (max-width: 600px) { .purpose-grid { grid-template-columns: repeat(2, 1fr); } }

.purpose-card {
  border: 1.5px solid var(--color-border);
  border-radius: 10px;
  padding: 0.75rem 0.5rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  cursor: pointer;
  transition: all 0.2s;
  text-align: center;
  background: #fff;
  user-select: none;
}
.purpose-card input { display: none; }
.purpose-card:hover { border-color: var(--color-primary); background: #eff6ff; }
.purpose-card.selected {
  border-color: var(--color-primary);
  background: #eff6ff;
  box-shadow: 0 0 0 3px rgba(29,78,216,0.12);
}
.purpose-icon { font-size: 1.35rem; }
.purpose-label { font-size: 0.72rem; font-weight: 600; color: var(--color-text); line-height: 1.3; }

/* Document Grid */
.doc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.65rem;
  margin-bottom: 1.25rem;
}
@media (max-width: 520px) { .doc-grid { grid-template-columns: 1fr; } }

.doc-card {
  border: 1.5px solid var(--color-border);
  border-radius: 10px;
  cursor: pointer;
  transition: all 0.2s;
  overflow: hidden;
  user-select: none;
}
.doc-card input { display: none; }
.doc-card-inner { display: flex; align-items: center; gap: 0.65rem; padding: 0.75rem 0.9rem; }
.doc-icon { font-size: 1.2rem; flex-shrink: 0; }
.doc-name { font-size: 0.82rem; font-weight: 600; color: var(--color-text); flex: 1; line-height: 1.3; }
.doc-name em { font-weight: 400; color: var(--color-muted); }
.doc-check {
  width: 22px;
  height: 22px;
  min-width: 22px;
  border-radius: 50%;
  background: var(--color-border);
  color: transparent;
  font-size: 0.7rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.2s;
}
.doc-card:hover { border-color: var(--color-primary); background: #f8faff; }
.doc-card.checked { border-color: var(--color-success); background: #f0fdf4; }
.doc-card.checked .doc-check { background: var(--color-success); color: #fff; }
.doc-card-optional { opacity: 0.75; }
.doc-card-optional.checked { opacity: 1; }

/* Terms Row */
.terms-row {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.875rem;
  color: var(--color-muted);
  line-height: 1.5;
  cursor: pointer;
  padding: 0.75rem;
  background: #f8fafc;
  border-radius: 9px;
  border: 1.5px solid var(--color-border);
}
.terms-row input[type="checkbox"] {
  width: 18px;
  height: 18px;
  min-width: 18px;
  margin-top: 2px;
  accent-color: var(--color-primary);
  cursor: pointer;
}
.terms-row a { color: var(--color-primary); font-weight: 600; }

/* Step Nav */
.step-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  margin-top: 0.25rem;
}

.btn-submit-final {
  padding: 0.9rem 2rem;
  font-size: 1rem;
  border-radius: 999px;
  background: linear-gradient(135deg, #1d4ed8, #3b82f6);
  box-shadow: 0 4px 14px rgba(29,78,216,0.35);
  color: #fff;
  border: none;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: all 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}
.btn-submit-final:hover {
  background: linear-gradient(135deg, #1e40af, #2563eb);
  box-shadow: 0 6px 20px rgba(29,78,216,0.45);
  text-decoration: none;
  color: #fff;
}

/* ── Sidebar ── */
.apply-sidebar {
  position: sticky;
  top: 90px;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.sidebar-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 14px;
  padding: 1.25rem;
  box-shadow: var(--shadow-sm);
}
.sidebar-card h4 { margin: 0 0 0.85rem; font-size: 0.95rem; font-weight: 700; color: var(--color-text); }

.sidebar-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 0.5rem; }
.sidebar-list li { font-size: 0.875rem; color: var(--color-muted); }

.sidebar-card-summary { border-color: #bfdbfe; background: #eff6ff; }
.sidebar-card-summary h4 { color: var(--color-primary); }

.summary-line {
  display: flex;
  justify-content: space-between;
  font-size: 0.875rem;
  padding: 0.3rem 0;
  border-bottom: 1px solid #dbeafe;
}
.summary-line:last-child { border-bottom: none; }
.summary-line span { color: var(--color-muted); }
.summary-line strong { color: var(--color-text); }

.sidebar-card-help p { font-size: 0.85rem; color: var(--color-muted); margin: 0; }

/* ══════════════════════════════════════
   WAITLIST / STATS
══════════════════════════════════════ */
.waitlist-section { padding: 4rem 0; background: var(--color-surface); }

.section-header { text-align: center; margin-bottom: 2.5rem; }
.section-header h2 { font-size: 2rem; margin: 0 0 0.5rem; }
.section-header p { color: var(--color-muted); margin: 0; }

.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-bottom: 2rem; }

.stat-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.5rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.stat-number { display: block; font-size: 2.5rem; font-weight: 800; color: var(--color-primary); }
.stat-label  { display: block; font-size: 0.875rem; color: var(--color-muted); margin-top: 0.25rem; }
.stat-pending .stat-number   { color: var(--color-warning); }
.stat-collected .stat-number { color: var(--color-success); }

.waitlist-table-wrap { overflow-x: auto; }
.waitlist-table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
.waitlist-table th {
  text-align: left;
  padding: 0.75rem 1rem;
  background: var(--color-bg);
  border-bottom: 2px solid var(--color-border);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-muted);
}
.waitlist-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--color-border); }
.waitlist-table tr:last-child td { border-bottom: none; }
.empty-row { text-align: center; color: var(--color-muted); padding: 2rem !important; }

/* ══════════════════════════════════════
   STATUS BADGES
══════════════════════════════════════ */
.status-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.25rem 0.75rem;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.status-pending   { background: #fef9c3; color: #854d0e; }
.status-approved  { background: #dcfce7; color: #166534; }
.status-collected { background: #dbeafe; color: #1e40af; }
.status-rejected  { background: #fee2e2; color: #991b1b; }

/* ══════════════════════════════════════
   MODAL
══════════════════════════════════════ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1rem;
}

.modal-box {
  background: #fff;
  border-radius: 16px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.2);
  width: 100%;
  max-width: 720px;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.modal-box--sm { max-width: 380px; }

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem 0.5rem;
}
.modal-header h3 { margin: 0; font-size: 1.2rem; }

.modal-close-btn {
  background: none;
  border: none;
  font-size: 1.1rem;
  color: var(--color-muted);
  cursor: pointer;
  padding: 0.25rem 0.5rem;
  border-radius: 6px;
  line-height: 1;
}
.modal-close-btn:hover { background: var(--color-bg); color: var(--color-text); }

.modal-subtitle { margin: 0 0 0.75rem; padding: 0 1.5rem; color: var(--color-muted); font-size: 0.875rem; }

.schedule-summary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.4rem 1.5rem;
  padding: 0.75rem 1.5rem;
  background: var(--color-bg);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}
.summary-row { display: flex; justify-content: space-between; font-size: 0.875rem; padding: 0.2rem 0; }
.summary-row span { color: var(--color-muted); }
.summary-total {
  grid-column: 1 / -1;
  font-weight: 700;
  border-top: 1px solid var(--color-border);
  padding-top: 0.6rem;
  margin-top: 0.2rem;
}

.schedule-table-wrap { overflow-y: auto; flex: 1; padding: 0 1.5rem; margin: 0.75rem 0; }

.schedule-table { width: 100%; border-collapse: collapse; font-size: 0.85rem; }
.schedule-table th {
  text-align: right;
  padding: 0.45rem 0.75rem;
  background: var(--color-bg);
  border-bottom: 2px solid var(--color-border);
  position: sticky;
  top: 0;
  white-space: nowrap;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--color-muted);
}
.schedule-table th:first-child,
.schedule-table td:first-child { text-align: center; }
.schedule-table td {
  text-align: right;
  padding: 0.4rem 0.75rem;
  border-bottom: 1px solid var(--color-border);
  font-variant-numeric: tabular-nums;
}
.schedule-table tbody tr:nth-child(even) { background: var(--color-bg); }
.schedule-table tbody tr:last-child td { border-bottom: none; }

.modal-note { margin: 0; padding: 0.6rem 1.5rem; font-size: 0.78rem; color: var(--color-muted); border-top: 1px solid var(--color-border); }

.modal-actions {
  display: flex;
  gap: 0.75rem;
  justify-content: flex-end;
  padding: 1rem 1.5rem;
  border-top: 1px solid var(--color-border);
}

/* ══════════════════════════════════════
   ADMIN / DASHBOARD
══════════════════════════════════════ */
.dashboard-header {
  background: var(--color-surface);
  border-bottom: 1px solid var(--color-border);
  padding: 1.5rem 0;
}
.dashboard-header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}
.dashboard-header h1 { margin: 0 0 0.25rem; font-size: 1.75rem; }
.dashboard-header p  { margin: 0; color: var(--color-muted); }

.dashboard-content { padding: 2rem 0; }
.dashboard-stats { margin-bottom: 2rem; }

.dashboard-toolbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 1rem;
}

.filter-bar { display: flex; align-items: center; gap: 0.75rem; font-size: 0.875rem; flex-wrap: wrap; }
.filter-links { display: flex; gap: 0.5rem; flex-wrap: wrap; }
.filter-links a {
  padding: 0.35rem 0.85rem;
  border-radius: 999px;
  border: 1px solid var(--color-border);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--color-muted);
  transition: all 0.2s;
}
.filter-links a:hover,
.filter-links a.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
  text-decoration: none;
}

.search-form { display: flex; gap: 0.5rem; align-items: center; }
.search-form input { padding: 0.45rem 0.75rem; border: 1px solid var(--color-border); border-radius: 8px; font-size: 0.875rem; }

.results-meta { font-size: 0.875rem; color: var(--color-muted); margin-bottom: 0.75rem; }

.table-wrap { overflow-x: auto; }
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
  background: var(--color-surface);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--color-border);
}
.data-table th {
  text-align: left;
  padding: 0.75rem 1rem;
  background: var(--color-bg);
  border-bottom: 2px solid var(--color-border);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-muted);
  white-space: nowrap;
}
.data-table td { padding: 0.85rem 1rem; border-bottom: 1px solid var(--color-border); vertical-align: middle; }
.data-table tr:last-child td { border-bottom: none; }
.data-table tbody tr:hover { background: #f8faff; }

.action-group { display: flex; gap: 0.5rem; }
.actions-col  { text-align: right; white-space: nowrap; }
.text-muted { color: var(--color-muted); }

.pagination { display: flex; gap: 0.35rem; justify-content: center; margin-top: 1.5rem; }
.pagination a {
  padding: 0.4rem 0.85rem;
  border-radius: 8px;
  border: 1px solid var(--color-border);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--color-text);
}
.pagination a.active,
.pagination a:hover {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
  text-decoration: none;
}

/* ── Auth pages ── */
.auth-section { min-height: calc(100vh - 70px); display: flex; align-items: center; padding: 2rem 0; }
.auth-form {
  max-width: 420px;
  margin: 0 auto;
  background: var(--color-surface);
  padding: 2.5rem;
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow);
}
.auth-form h1 { margin: 0 0 0.5rem; font-size: 1.75rem; }
.auth-subtitle { margin: 0 0 2rem; color: var(--color-muted); }

/* ── Error page ── */
.error-section { min-height: calc(100vh - 70px); display: flex; align-items: center; text-align: center; padding: 2rem 0; }
.error-code { font-size: 6rem; font-weight: 900; color: var(--color-border); line-height: 1; margin: 0; }
.error-section h1 { margin: 0.5rem 0; }
.error-section p  { color: var(--color-muted); margin-bottom: 2rem; }

/* ── Footer ── */
.site-footer {
  background: var(--color-secondary);
  color: rgba(255,255,255,0.5);
  text-align: center;
  padding: 1.5rem;
  font-size: 0.875rem;
  margin-top: auto;
}

/* ══════════════════════════════════════
   CHAT WIDGET
══════════════════════════════════════ */
#chat-toggle {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  z-index: 500;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  border: none;
  font-size: 1.4rem;
  cursor: pointer;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s, box-shadow 0.2s;
}
#chat-toggle:hover { transform: scale(1.08); box-shadow: 0 12px 24px rgba(29,78,216,0.35); }

.chat-widget {
  position: fixed;
  bottom: 5rem;
  right: 1.5rem;
  z-index: 501;
  width: 340px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  display: none;
  flex-direction: column;
  overflow: hidden;
  max-height: 480px;
}
.chat-widget.open { display: flex; }

.chat-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 1.1rem;
  background: var(--color-primary);
  color: #fff;
  font-weight: 600;
  font-size: 0.95rem;
  flex-shrink: 0;
}
.chat-close {
  background: none;
  border: none;
  color: rgba(255,255,255,0.8);
  cursor: pointer;
  font-size: 1.3rem;
  line-height: 1;
  padding: 0 0.25rem;
  transition: color 0.15s;
}
.chat-close:hover { color: #fff; }

.chat-messages {
  flex: 1;
  overflow-y: auto;
  padding: 0.85rem;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  background: #f8fafc;
}

.chat-message {
  max-width: 82%;
  padding: 0.55rem 0.85rem;
  border-radius: 14px;
  font-size: 0.875rem;
  line-height: 1.5;
  word-break: break-word;
}
.chat-message--user {
  align-self: flex-end;
  background: var(--color-primary);
  color: #fff;
  border-bottom-right-radius: 4px;
}
.chat-message--bot {
  align-self: flex-start;
  background: #fff;
  color: var(--color-text);
  border: 1px solid var(--color-border);
  border-bottom-left-radius: 4px;
}
.chat-typing { opacity: 0.6; font-style: italic; }

.chat-form {
  display: flex;
  border-top: 1px solid var(--color-border);
  flex-shrink: 0;
  background: #fff;
}
.chat-form input {
  flex: 1;
  border: none;
  padding: 0.7rem 0.9rem;
  font-size: 0.9rem;
  outline: none;
  background: transparent;
  font-family: inherit;
  min-width: 0;
}
.chat-send {
  background: var(--color-primary);
  color: #fff;
  border: none;
  padding: 0 1rem;
  cursor: pointer;
  font-size: 1rem;
  transition: background 0.2s;
  flex-shrink: 0;
}
.chat-send:hover { background: var(--color-primary-dark); }

/* Chat log admin view */
.chat-log-messages { display: flex; flex-direction: column; gap: 0.5rem; padding: 0.5rem 0; }
.chat-log-message { display: flex; flex-direction: column; max-width: 80%; }
.chat-log-message--user { align-self: flex-end; }
.chat-log-message--bot  { align-self: flex-start; }
.chat-log-bubble { padding: 0.55rem 0.85rem; border-radius: 12px; font-size: 0.875rem; line-height: 1.5; }
.chat-log-message--user .chat-log-bubble { background: var(--color-primary); color: #fff; border-bottom-right-radius: 4px; }
.chat-log-message--bot  .chat-log-bubble { background: var(--color-bg); border: 1px solid var(--color-border); border-bottom-left-radius: 4px; }
.chat-log-time { font-size: 0.7rem; color: var(--color-muted); margin-top: 0.2rem; }

/* ── Misc form helpers ── */
.form-hint { display: block; margin-top: 0.35rem; font-size: 0.8rem; color: var(--color-muted); }
.checkbox-label { display: flex; align-items: flex-start; gap: 0.75rem; font-weight: 400; cursor: pointer; }
.checkbox-label input[type="checkbox"] { margin-top: 3px; width: 17px; height: 17px; accent-color: var(--color-primary); }

/* ══════════════════════════════════════
   LOAN DETAIL
══════════════════════════════════════ */
.loan-title-row { display: flex; align-items: center; gap: 0.75rem; flex-wrap: wrap; }
.loan-title-row h1 { margin: 0; }
.status-lg { font-size: 0.85rem; padding: 0.3rem 0.85rem; }
.loan-ref { margin: 0.25rem 0 0; color: var(--color-muted); font-size: 0.9rem; }

.action-bar { display: flex; gap: 0.75rem; margin-bottom: 1.5rem; flex-wrap: wrap; }
.action-form { margin: 0; }
.btn-action { display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.65rem 1.4rem; font-size: 0.95rem; }
.btn-icon { font-style: normal; }

.timeline-strip {
  display: flex;
  align-items: center;
  padding: 1rem 1.5rem;
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 10px;
  margin-bottom: 1.5rem;
  overflow-x: auto;
}
.timeline-step { display: flex; flex-direction: column; align-items: center; gap: 0.4rem; min-width: 90px; }
.tl-dot { width: 14px; height: 14px; border-radius: 50%; background: var(--color-border); border: 2px solid var(--color-border); }
.timeline-step.done     .tl-dot { background: var(--color-success); border-color: var(--color-success); }
.timeline-step.rejected .tl-dot { background: #dc2626; border-color: #dc2626; }
.tl-label { font-size: 0.78rem; text-align: center; color: var(--color-muted); line-height: 1.3; }
.timeline-step.done .tl-label,
.timeline-step.rejected .tl-label { color: var(--color-text); font-weight: 500; }
.timeline-line { flex: 1; height: 2px; background: var(--color-border); min-width: 24px; margin-bottom: 1.2rem; }

.ld-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; align-items: start; }
@media (max-width: 860px) { .ld-grid { grid-template-columns: 1fr; } }
.ld-col { display: flex; flex-direction: column; gap: 1.25rem; }

.ld-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 10px;
  overflow: hidden;
}
.ld-card-highlight { border-color: var(--color-primary); border-width: 2px; }
.ld-card-full { margin-top: 1.25rem; }

.ld-card-header {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.85rem 1.25rem;
  background: var(--color-bg);
  border-bottom: 1px solid var(--color-border);
}
.ld-card-header h2 { margin: 0; font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.05em; color: var(--color-muted); }
.ld-card-icon { font-size: 1rem; }

.ld-dl { margin: 0; padding: 0.25rem 0; }
.ld-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding: 0.55rem 1.25rem;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.9rem;
}
.ld-row:last-child { border-bottom: none; }
dt { color: var(--color-muted); flex-shrink: 0; font-weight: 400; }
dd { margin: 0; text-align: right; font-weight: 500; word-break: break-all; }
dd a { color: var(--color-primary); text-decoration: none; }
dd a:hover { text-decoration: underline; }

.loan-amount-hero {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 1.5rem 1rem 0.75rem;
  gap: 0.2rem;
}
.loan-amount-big { font-size: 2rem; font-weight: 700; color: var(--color-primary); letter-spacing: -0.02em; }
.loan-amount-sub { font-size: 0.85rem; color: var(--color-muted); }

.repayment-stats { display: grid; grid-template-columns: repeat(3, 1fr); border-bottom: 1px solid var(--color-border); }
.repayment-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 1rem 0.5rem;
  border-right: 1px solid var(--color-border);
}
.repayment-stat:last-child { border-right: none; }
.repayment-stat-value { font-size: 1.05rem; font-weight: 700; }
.repayment-stat-label { font-size: 0.75rem; color: var(--color-muted); margin-top: 0.15rem; }

.progress-bar-wrap { height: 6px; background: var(--color-border); }
.progress-bar-fill { height: 100%; background: var(--color-success); transition: width 0.4s; }

.payment-entry-form { padding: 1rem 1.25rem; border-bottom: 1px solid var(--color-border); }
.payment-entry-row { display: flex; gap: 0.75rem; align-items: flex-end; }
.payment-entry-row .form-group { flex: 1; margin: 0; }
.payment-entry-row label { font-size: 0.8rem; color: var(--color-muted); }
.btn-record { white-space: nowrap; align-self: flex-end; }

.payment-list { padding: 0.5rem 0; }
.payment-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.6rem 1.25rem;
  font-size: 0.875rem;
  border-bottom: 1px solid var(--color-border);
}
.payment-row:last-child { border-bottom: none; }
.payment-meta { color: var(--color-muted); font-size: 0.8rem; text-align: right; }

.note-entry-form { padding: 1rem 1.25rem; border-bottom: 1px solid var(--color-border); }
.note-entry-row { display: flex; gap: 0.75rem; align-items: flex-end; }
.note-entry-row textarea { flex: 1; resize: vertical; min-height: 60px; font-family: inherit; font-size: 0.9rem; border: 1px solid var(--color-border); border-radius: 6px; padding: 0.5rem 0.75rem; }
.notes-list { padding: 0.5rem 0; }
.note-item { padding: 0.75rem 1.25rem; border-bottom: 1px solid var(--color-border); }
.note-item:last-child { border-bottom: none; }
.note-text { margin: 0 0 0.25rem; font-size: 0.9rem; }
.note-meta { margin: 0; font-size: 0.78rem; color: var(--color-muted); }

/* ══════════════════════════════════════
   DOCUMENT UPLOAD ZONES
══════════════════════════════════════ */
.upload-section-title {
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin: 0 0 1rem;
}

.upload-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 0.5rem;
}
@media (max-width: 600px) { .upload-grid { grid-template-columns: 1fr; } }

.upload-item { display: flex; flex-direction: column; gap: 0.4rem; }
.upload-item-optional { opacity: 0.8; }

.upload-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--color-text);
  margin: 0;
}

.upload-drop {
  border: 2px dashed var(--color-border);
  border-radius: 10px;
  padding: 1rem 0.75rem;
  cursor: pointer;
  transition: all 0.2s;
  position: relative;
  background: #f8fafc;
  text-align: center;
}

.upload-drop:hover { border-color: var(--color-primary); background: #eff6ff; }
.upload-drop.drag-over { border-color: var(--color-primary); background: #eff6ff; box-shadow: 0 0 0 3px rgba(29,78,216,0.12); }
.upload-drop.upload-done { border-color: var(--color-success); border-style: solid; background: #f0fdf4; }

.upload-input {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  cursor: pointer;
  z-index: 1;
}

.upload-placeholder { display: flex; flex-direction: column; align-items: center; gap: 0.2rem; pointer-events: none; }
.upload-icon  { font-size: 1.3rem; }
.upload-text  { font-size: 0.78rem; color: var(--color-muted); }
.upload-filename { font-size: 0.75rem; color: var(--color-success); font-weight: 600; word-break: break-all; margin-top: 0.2rem; max-width: 100%; }

/* ══════════════════════════════════════
   SIGNATURE PAD
══════════════════════════════════════ */
.sig-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.4rem;
}
.sig-title { font-weight: 700; font-size: 0.95rem; }
.sig-hint  { font-size: 0.82rem; color: var(--color-muted); margin: 0 0 0.75rem; }

.sig-pad-wrap {
  border: 2px solid var(--color-border);
  border-radius: 10px;
  overflow: hidden;
  background: #fff;
  cursor: crosshair;
}

.sig-canvas {
  display: block;
  width: 100%;
  height: 160px;
  touch-action: none;
}

/* ══════════════════════════════════════
   LEGAL / TERMS PAGES
══════════════════════════════════════ */
.legal-doc {
  max-width: 820px;
  margin: 0 auto;
}

.legal-intro {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
}
.legal-intro p { margin: 0 0 0.75rem; font-size: 0.95rem; }
.legal-intro p:last-child { margin: 0; }

.legal-section {
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--color-border);
}
.legal-section:last-of-type { border-bottom: none; }

.legal-section h2 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary);
  margin: 0 0 0.75rem;
}
.legal-section h3 {
  font-size: 0.95rem;
  font-weight: 700;
  margin: 1rem 0 0.4rem;
  color: var(--color-text);
}
.legal-section p  { margin: 0 0 0.75rem; font-size: 0.95rem; line-height: 1.7; }
.legal-section ul { padding-left: 1.5rem; margin: 0 0 0.75rem; }
.legal-section li { font-size: 0.95rem; margin-bottom: 0.3rem; line-height: 1.6; }

.legal-consent-box {
  background: #fef9c3;
  border: 1px solid #fde68a;
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  margin-top: 2rem;
}
.legal-consent-box h3 { margin: 0 0 0.75rem; font-size: 1rem; }
.legal-consent-box p  { margin: 0 0 0.75rem; font-size: 0.9rem; }
.legal-consent-box ul { padding-left: 1.5rem; margin: 0; }
.legal-consent-box li { font-size: 0.9rem; margin-bottom: 0.3rem; }

/* ── Loan-detail: uploaded docs ── */
.docs-grid { display:flex; flex-direction:column; gap:.75rem; }
.doc-item { display:flex; align-items:flex-start; gap:.75rem; padding:.75rem 1rem; background:var(--color-surface); border:1px solid var(--color-border); border-radius:8px; text-decoration:none; color:inherit; transition:border-color .15s; }
.doc-item:hover { border-color:var(--color-primary); }
.doc-icon { font-size:1.5rem; line-height:1; }
.doc-info { display:flex; flex-direction:column; gap:.15rem; }
.doc-type { font-weight:600; font-size:.9rem; color:var(--color-text); }
.doc-name { font-size:.82rem; color:var(--color-muted); word-break:break-all; }
.doc-date { font-size:.78rem; }

/* ── Loan-detail: signature display ── */
.sig-display { padding:.5rem 0; }
.sig-image { max-width:400px; width:100%; border:1px solid var(--color-border); border-radius:8px; background:#fff; }

/* ── Notification bell ── */
.notif-bell { position:relative; font-size:1.2rem; text-decoration:none; margin-right:.5rem; line-height:1; display:inline-flex; align-items:center; }
.notif-badge { position:absolute; top:-6px; right:-8px; background:#ef4444; color:#fff; border-radius:999px; font-size:.65rem; font-weight:700; min-width:18px; height:18px; padding:0 4px; display:inline-flex; align-items:center; justify-content:center; }

/* ── Notifications page ── */
.notif-list { display:flex; flex-direction:column; gap:.5rem; margin-top:1.5rem; }
.notif-item { display:flex; align-items:flex-start; gap:1rem; padding:1rem 1.25rem; border-radius:10px; border:1px solid var(--color-border); background:var(--color-surface); }
.notif-unread { border-left:4px solid var(--color-primary); background:var(--color-primary-soft, #eff6ff); }
.notif-dot { width:10px; height:10px; border-radius:50%; background:var(--color-primary); margin-top:5px; flex-shrink:0; }
.notif-read .notif-dot { background:var(--color-muted); }
.notif-content { flex:1; }
.notif-title { font-weight:600; font-size:.95rem; }
.notif-body { font-size:.85rem; color:var(--color-muted); margin-top:.2rem; }
.notif-meta { font-size:.78rem; color:var(--color-muted); margin-top:.3rem; }
.notif-action { margin-left:auto; white-space:nowrap; }

/* ── Logo image ── */
.logo-img { height: 48px; width: auto; display: block; object-fit: contain; }

/* ── Waitlist pagination ── */
.waitlist-pagination { display:flex; align-items:center; justify-content:center; gap:1rem; padding:1rem 0 .5rem; }
.wl-page-info { font-size:.875rem; color:var(--color-muted); min-width:100px; text-align:center; }

/* ══════════════════════════════════════
   AUTH PAGES (login / register)
══════════════════════════════════════ */
.auth-section { min-height: 80vh; display:flex; align-items:center; padding: 3rem 0; }
.auth-card { background:var(--color-surface); border:1px solid var(--color-border); border-radius:16px; padding:2.5rem; max-width:460px; margin:0 auto; width:100%; }
.auth-logo { text-align:center; margin-bottom:1.25rem; }
.auth-title { font-size:1.6rem; font-weight:700; text-align:center; margin-bottom:.25rem; }
.auth-subtitle { text-align:center; color:var(--color-muted); margin-bottom:1.75rem; font-size:.9rem; }
.auth-form .field { margin-bottom:1.1rem; }
.auth-form label { display:block; font-size:.85rem; font-weight:600; margin-bottom:.4rem; }
.auth-form input { width:100%; padding:.65rem .9rem; border:1px solid var(--color-border); border-radius:8px; font-size:.95rem; background:var(--color-bg); color:var(--color-text); }
.auth-form input:focus { outline:none; border-color:var(--color-primary); }
.btn-block { width:100%; justify-content:center; margin-top:.5rem; }
.auth-switch { text-align:center; margin-top:1.25rem; font-size:.875rem; color:var(--color-muted); }
.auth-switch a { color:var(--color-primary); font-weight:600; }
.field-hint { font-size:.78rem; color:var(--color-muted); margin-top:.3rem; display:block; }

/* ── Password show/hide toggle ── */
.pw-wrap {
  position: relative;
  display: flex;
  align-items: center;
}
.pw-wrap input {
  flex: 1;
  padding-right: 2.75rem;
}
.pw-toggle {
  position: absolute;
  right: .6rem;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 1rem;
  line-height: 1;
  padding: .25rem;
  color: var(--color-muted);
  transition: color .15s;
}
.pw-toggle:hover { color: var(--color-text); }

/* ══════════════════════════════════════
   USER DASHBOARD
══════════════════════════════════════ */
.udash-section { padding: 2rem 0 4rem; }
.udash-header { display:flex; align-items:flex-start; justify-content:space-between; gap:1rem; margin-bottom:1.75rem; flex-wrap:wrap; }
.udash-welcome { font-size:1.75rem; font-weight:700; margin-bottom:.25rem; }
.udash-sub { color:var(--color-muted); }

/* Wallet card */
.udash-wallet { background: linear-gradient(135deg, #1e3a6e 0%, #0f2044 100%); border-radius:16px; padding:1.75rem 2rem; display:flex; align-items:center; gap:1.5rem; margin-bottom:2rem; color:#fff; flex-wrap:wrap; }
.wallet-icon { font-size:2.5rem; }
.wallet-info { flex:1; display:flex; flex-direction:column; gap:.3rem; }
.wallet-label { font-size:.8rem; text-transform:uppercase; letter-spacing:.08em; opacity:.7; }
.wallet-balance { font-size:2.2rem; font-weight:800; line-height:1.1; }
.wallet-currency { font-size:1rem; font-weight:500; opacity:.8; }
.wallet-hint { font-size:.78rem; opacity:.6; }
.wallet-badge { background:rgba(16,185,129,.25); border:1px solid rgba(16,185,129,.4); color:#6ee7b7; padding:.4rem .9rem; border-radius:999px; font-size:.8rem; font-weight:600; white-space:nowrap; }

/* Grid */
.udash-grid { display:grid; grid-template-columns:1fr 1fr; gap:1.5rem; }
@media(max-width:768px){ .udash-grid { grid-template-columns:1fr; } }

.udash-card { background:var(--color-surface); border:1px solid var(--color-border); border-radius:14px; overflow:hidden; }
.udash-card-header { display:flex; align-items:center; justify-content:space-between; padding:1.25rem 1.5rem; border-bottom:1px solid var(--color-border); }
.udash-card-header h2 { font-size:1rem; font-weight:600; margin:0; }
.udash-empty { padding:2rem 1.5rem; text-align:center; color:var(--color-muted); font-size:.9rem; }

/* Loan list */
.loan-list { display:flex; flex-direction:column; gap:.75rem; padding:1.25rem; }
.loan-item { border:1px solid var(--color-border); border-radius:10px; padding:1rem 1.25rem; }
.loan-item--approved { border-left:4px solid #10b981; }
.loan-item--collected { border-left:4px solid #6366f1; }
.loan-item--rejected { border-left:4px solid #ef4444; }
.loan-item--pending { border-left:4px solid #f59e0b; }
.loan-item-top { display:flex; justify-content:space-between; align-items:center; margin-bottom:.5rem; }
.loan-ref { font-size:.78rem; color:var(--color-muted); font-family:monospace; }
.loan-item-amount { font-size:1.4rem; font-weight:700; margin-bottom:.4rem; }
.loan-currency { font-size:.85rem; font-weight:500; color:var(--color-muted); }
.loan-item-meta { display:flex; gap:.75rem; flex-wrap:wrap; font-size:.78rem; color:var(--color-muted); margin-bottom:.75rem; }

/* Timeline */
.loan-timeline { display:flex; align-items:center; gap:0; margin:.75rem 0 .5rem; }
.tl-step { display:flex; flex-direction:column; align-items:center; gap:.2rem; min-width:60px; }
.tl-step span { font-size:.7rem; color:var(--color-muted); text-align:center; }
.tl-dot { width:14px; height:14px; border-radius:50%; background:var(--color-border); border:2px solid var(--color-border); }
.tl-step.done .tl-dot { background:var(--color-primary); border-color:var(--color-primary); }
.tl-step.rejected .tl-dot { background:#ef4444; border-color:#ef4444; }
.tl-line { flex:1; height:2px; background:var(--color-border); }
.tl-line.active { background:var(--color-primary); }
.loan-status-msg { font-size:.8rem; padding:.5rem .75rem; border-radius:6px; margin-top:.5rem; }
.pending-msg { background:#fef3c7; color:#92400e; }
.approved-msg { background:#d1fae5; color:#065f46; }
.funded-msg { background:#ede9fe; color:#4c1d95; }
.rejected-msg { background:#fee2e2; color:#991b1b; }

/* Transactions */
.txn-list { display:flex; flex-direction:column; }
.txn-item { display:flex; align-items:center; gap:1rem; padding:.9rem 1.5rem; border-bottom:1px solid var(--color-border); }
.txn-item:last-child { border-bottom:none; }
.txn-icon { width:32px; height:32px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1rem; font-weight:700; flex-shrink:0; }
.txn-credit .txn-icon { background:#d1fae5; color:#065f46; }
.txn-debit .txn-icon { background:#fee2e2; color:#991b1b; }
.txn-info { flex:1; display:flex; flex-direction:column; gap:.1rem; }
.txn-desc { font-size:.875rem; font-weight:500; }
.txn-date { font-size:.75rem; color:var(--color-muted); }
.txn-amount { font-weight:700; font-size:.95rem; white-space:nowrap; }
.txn-amount--credit { color:#10b981; }
.txn-amount--debit { color:#ef4444; }

/* ══════════════════════════════════════
   ADMIN WALLET MANAGEMENT
══════════════════════════════════════ */
.wallet-admin-list { display:flex; flex-direction:column; gap:1rem; }
.wallet-admin-card { background:var(--color-surface); border:1px solid var(--color-border); border-radius:12px; padding:1.25rem 1.5rem; display:flex; align-items:center; gap:1.5rem; flex-wrap:wrap; }
.wac-info { flex:1; min-width:180px; }
.wac-name { font-weight:600; font-size:1rem; }
.wac-email { font-size:.82rem; color:var(--color-muted); }
.wac-meta { font-size:.78rem; color:var(--color-muted); margin-top:.25rem; }
.wac-balance { min-width:130px; text-align:right; }
.wac-balance-label { display:block; font-size:.75rem; color:var(--color-muted); margin-bottom:.15rem; }
.wac-balance-amount { font-size:1.25rem; font-weight:700; }
.wac-currency { font-size:.8rem; color:var(--color-muted); }
.wac-topup { display:flex; align-items:center; }
.topup-form { display:flex; gap:.5rem; align-items:center; flex-wrap:wrap; }
.topup-input { width:110px; padding:.5rem .7rem; border:1px solid var(--color-border); border-radius:8px; font-size:.875rem; background:var(--color-bg); }
.topup-select { padding:.5rem .6rem; border:1px solid var(--color-border); border-radius:8px; font-size:.875rem; background:var(--color-bg); }
.topup-desc { width:150px; padding:.5rem .7rem; border:1px solid var(--color-border); border-radius:8px; font-size:.875rem; background:var(--color-bg); }

/* ══════════════════════════════════════
   APPLY GATE (guests)
══════════════════════════════════════ */
.apply-gate { text-align:center; padding: 4rem 2rem; max-width:520px; margin:0 auto; }
.apply-gate-icon { font-size:3rem; margin-bottom:1rem; }
.apply-gate-title { font-size:1.75rem; font-weight:700; margin-bottom:.75rem; }
.apply-gate-text { color:var(--color-muted); margin-bottom:2rem; line-height:1.6; }
.apply-gate-actions { display:flex; gap:1rem; justify-content:center; flex-wrap:wrap; }

/* ══════════════════════════════════════
   USER SUB-NAV BAR
══════════════════════════════════════ */
.user-subnav { background:var(--color-surface); border-bottom:1px solid var(--color-border); }
.user-subnav-inner { display:flex; gap:0; }
.user-subnav-link { display:inline-flex; align-items:center; gap:.4rem; padding:.65rem 1.25rem; font-size:.875rem; font-weight:500; color:var(--color-muted); text-decoration:none; border-bottom:2px solid transparent; transition:color .15s, border-color .15s; }
.user-subnav-link:hover { color:var(--color-text); }
.user-subnav-link.active { color:var(--color-primary); border-bottom-color:var(--color-primary); }

/* ══════════════════════════════════════
   DASHBOARD LAYOUT (sidebar + main)
══════════════════════════════════════ */
.dash-wrap { display:flex; min-height:calc(100vh - 120px); }

.dash-sidebar { width:240px; flex-shrink:0; background:var(--color-surface); border-right:1px solid var(--color-border); display:flex; flex-direction:column; padding:1.5rem 0; }
.dash-sidebar-top { padding:0 1.25rem 1.5rem; border-bottom:1px solid var(--color-border); margin-bottom:1rem; }
.dash-avatar { width:48px; height:48px; border-radius:50%; background:var(--color-primary); color:#fff; display:flex; align-items:center; justify-content:center; font-weight:700; font-size:1.1rem; margin-bottom:.75rem; }
.dash-user-name { display:block; font-weight:600; font-size:.9rem; }
.dash-user-email { display:block; font-size:.75rem; color:var(--color-muted); margin-top:.15rem; word-break:break-all; }

.dash-nav { flex:1; padding:0 .75rem; display:flex; flex-direction:column; gap:.25rem; }
.dash-nav-item { display:flex; align-items:center; gap:.65rem; padding:.65rem .75rem; border-radius:8px; font-size:.875rem; font-weight:500; color:var(--color-muted); text-decoration:none; transition:background .15s,color .15s; }
.dash-nav-item:hover { background:var(--color-bg); color:var(--color-text); }
.dash-nav-item.active { background:var(--color-primary); color:#fff; }
.dash-nav-icon { font-size:1rem; width:18px; text-align:center; }

.dash-sidebar-bottom { padding:1rem 1.25rem 0; border-top:1px solid var(--color-border); margin-top:.5rem; }
.dash-logout-btn { width:100%; padding:.6rem; background:none; border:1px solid var(--color-border); border-radius:8px; cursor:pointer; font-size:.85rem; color:var(--color-muted); text-align:left; transition:background .15s,color .15s; }
.dash-logout-btn:hover { background:var(--color-bg); color:var(--color-text); }

.dash-main { flex:1; padding:2rem 2.5rem; overflow-y:auto; }
.dash-page-header { display:flex; align-items:flex-start; justify-content:space-between; gap:1rem; margin-bottom:2rem; flex-wrap:wrap; }
.dash-page-title { font-size:1.6rem; font-weight:700; margin:0 0 .25rem; }
.dash-page-sub { color:var(--color-muted); margin:0; font-size:.9rem; }

.dash-stats { display:grid; grid-template-columns:repeat(4,1fr); gap:1rem; margin-bottom:2rem; }
.dash-stat-card { background:var(--color-surface); border:1px solid var(--color-border); border-radius:12px; padding:1.25rem 1.5rem; }
.dash-stat-wallet { background:linear-gradient(135deg,#1e3a6e,#0f2044); color:#fff; border-color:transparent; }
.dash-stat-wallet .dash-stat-label { color:rgba(255,255,255,.6); }
.dash-stat-wallet .dash-stat-hint  { color:rgba(255,255,255,.45); }
.dash-stat-label { font-size:.75rem; text-transform:uppercase; letter-spacing:.06em; color:var(--color-muted); margin-bottom:.4rem; }
.dash-stat-value { font-size:1.75rem; font-weight:800; line-height:1.1; margin-bottom:.3rem; }
.dash-stat-unit  { font-size:.9rem; font-weight:500; }
.dash-stat-zero  { color:rgba(255,255,255,.4); }
.dash-stat-hint  { font-size:.75rem; color:var(--color-muted); }

.dash-section { margin-bottom:2rem; }
.dash-section-header { display:flex; align-items:center; justify-content:space-between; margin-bottom:1rem; }
.dash-section-header h2 { font-size:1.05rem; font-weight:600; margin:0; }

.dash-empty-state { text-align:center; padding:3rem 2rem; background:var(--color-surface); border:1px solid var(--color-border); border-radius:14px; }
.dash-empty-icon  { font-size:2.5rem; margin-bottom:.75rem; }
.dash-empty-title { font-weight:600; font-size:1rem; margin:0 0 .35rem; }
.dash-empty-sub   { color:var(--color-muted); font-size:.875rem; margin:0; }

.dash-loan-list { display:flex; flex-direction:column; gap:1rem; }
.dash-loan-card { background:var(--color-surface); border:1px solid var(--color-border); border-radius:12px; padding:1.25rem 1.5rem; border-left:4px solid var(--color-border); }
.dash-loan--pending   { border-left-color:#f59e0b; }
.dash-loan--approved  { border-left-color:#10b981; }
.dash-loan--collected { border-left-color:#6366f1; }
.dash-loan--rejected  { border-left-color:#ef4444; }

.dash-loan-top { display:flex; justify-content:space-between; align-items:center; margin-bottom:.85rem; flex-wrap:wrap; gap:.4rem; }
.dash-loan-ref  { font-family:monospace; font-size:.78rem; color:var(--color-muted); }
.dash-loan-date { font-size:.78rem; color:var(--color-muted); }
.dash-loan-body { display:flex; align-items:baseline; gap:1rem; margin-bottom:1rem; flex-wrap:wrap; }
.dash-loan-amount   { font-size:1.6rem; font-weight:800; }
.dash-loan-currency { font-size:.9rem; font-weight:500; color:var(--color-muted); }
.dash-loan-meta { display:flex; gap:.5rem; flex-wrap:wrap; }
.dash-loan-meta span { font-size:.78rem; color:var(--color-muted); background:var(--color-bg); padding:.2rem .55rem; border-radius:999px; border:1px solid var(--color-border); }

.dash-timeline { display:flex; align-items:center; margin:.25rem 0 1rem; }
.dash-tl-step { display:flex; flex-direction:column; align-items:center; gap:.35rem; }
.dash-tl-dot  { width:16px; height:16px; border-radius:50%; background:var(--color-bg); border:2px solid var(--color-border); }
.dash-tl-step.done .dash-tl-dot     { background:var(--color-primary); border-color:var(--color-primary); }
.dash-tl-step.rejected .dash-tl-dot { background:#ef4444; border-color:#ef4444; }
.dash-tl-label { font-size:.7rem; color:var(--color-muted); white-space:nowrap; }
.dash-tl-bar { flex:1; height:2px; background:var(--color-border); margin:0 4px; position:relative; top:-9px; }
.dash-tl-bar.filled { background:var(--color-primary); }

.dash-loan-msg      { font-size:.82rem; padding:.55rem .85rem; border-radius:8px; }
.dash-msg--pending  { background:#fef3c7; color:#92400e; }
.dash-msg--approved { background:#d1fae5; color:#065f46; }
.dash-msg--funded   { background:#ede9fe; color:#4c1d95; }
.dash-msg--rejected { background:#fee2e2; color:#991b1b; }

.dash-txn-table { background:var(--color-surface); border:1px solid var(--color-border); border-radius:12px; overflow:hidden; }
.dash-txn-head { display:grid; grid-template-columns:1fr auto auto; gap:1rem; padding:.75rem 1.25rem; background:var(--color-bg); font-size:.75rem; text-transform:uppercase; letter-spacing:.06em; color:var(--color-muted); font-weight:600; }
.dash-txn-row  { display:grid; grid-template-columns:1fr auto auto; gap:1rem; align-items:center; padding:.85rem 1.25rem; border-top:1px solid var(--color-border); font-size:.875rem; }
.dash-txn-desc { display:flex; align-items:center; gap:.6rem; }
.dash-txn-badge { font-size:.68rem; text-transform:uppercase; font-weight:700; padding:.15rem .5rem; border-radius:999px; }
.dash-txn-badge--credit { background:#d1fae5; color:#065f46; }
.dash-txn-badge--debit  { background:#fee2e2; color:#991b1b; }
.dash-txn-when { font-size:.78rem; color:var(--color-muted); white-space:nowrap; }
.dash-txn-amt  { font-weight:700; white-space:nowrap; }
.dash-txn-amt--credit { color:#10b981; }
.dash-txn-amt--debit  { color:#ef4444; }

/* ── Dashboard responsive ─── tablet (≤900px) ──────────────── */
@media(max-width:900px){
  .dash-wrap { flex-direction:column; }
  .dash-sidebar {
    width:100%; flex-direction:row; flex-wrap:wrap; align-items:center;
    padding:.75rem 1rem; gap:.75rem;
    border-right:none; border-bottom:1px solid var(--color-border);
  }
  .dash-sidebar-top { border-bottom:none; padding:0; margin-bottom:0; display:flex; align-items:center; gap:.6rem; flex:1; }
  .dash-avatar { width:36px; height:36px; font-size:.85rem; margin-bottom:0; flex-shrink:0; }
  .dash-user-info { display:flex; flex-direction:column; }
  .dash-nav { flex-direction:row; flex:unset; padding:0; gap:.25rem; }
  .dash-nav-item { padding:.45rem .75rem; font-size:.82rem; }
  .dash-sidebar-bottom { border-top:none; margin-top:0; padding:0; }
  .dash-main { padding:1.25rem 1rem; }
  .dash-stats { grid-template-columns:1fr 1fr; }
  .dash-page-header { flex-direction:column; align-items:flex-start; gap:.75rem; }
  .dash-page-header .btn { width:100%; text-align:center; }
}

/* ── Dashboard responsive ─── mobile (≤560px) ──────────────── */
@media(max-width:560px){
  .dash-stats { grid-template-columns:1fr 1fr; gap:.6rem; }
  .dash-stat-card { padding:1rem; }
  .dash-stat-value { font-size:1.4rem; }
  .dash-loan-top { flex-direction:column; gap:.35rem; }
  .dash-loan-body .dash-loan-amount { font-size:1.4rem; }
  .dash-loan-meta { flex-wrap:wrap; gap:.35rem; }
  .dash-timeline { gap:0; }
  .dash-section-header { flex-direction:column; align-items:flex-start; gap:.5rem; }
  .dash-page-title { font-size:1.3rem; }
  .bank-grid { grid-template-columns:1fr; }
  .bank-modal-grid { gap:.6rem; }
  .boc-logo-wrap { width:42px; height:42px; }
  .boc-name { font-size:.82rem; }
  .boc-btn { font-size:.72rem; padding:.38rem .7rem; }
}

/* ── Hamburger nav button ────────────────────────────────────── */
.nav-hamburger {
  display: none;
  background: none;
  border: 1px solid var(--color-border);
  border-radius: 8px;
  width: 40px;
  height: 40px;
  font-size: 1.2rem;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  color: var(--color-text);
  flex-shrink: 0;
}

/* ── Global nav responsive ──────────────────────────────────── */
@media(max-width:768px){
  .nav-hamburger { display: flex; }

  .main-nav {
    display: none;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--color-surface);
    border-bottom: 1px solid var(--color-border);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: .5rem 0;
    z-index: 200;
    box-shadow: var(--shadow);
  }
  .main-nav.nav-open { display: flex; }

  .main-nav a,
  .main-nav form,
  .main-nav .admin-dropdown {
    width: 100%;
  }
  .main-nav > a {
    padding: .75rem 1.25rem;
    border-bottom: 1px solid var(--color-border);
    font-size: .95rem;
  }
  .main-nav > a:last-of-type { border-bottom: none; }
  .main-nav form { padding: .5rem 1.25rem; }
  .main-nav .btn { width: 100%; text-align: center; margin: .25rem 0; border-radius: 8px; }
  .main-nav .admin-dropdown { padding: .5rem 1.25rem; }
  .main-nav .admin-dropdown-toggle { width: 100%; justify-content: space-between; }
  .main-nav .admin-dropdown-menu {
    position: static;
    box-shadow: none;
    border: 1px solid var(--color-border);
    margin-top: .5rem;
    border-radius: 8px;
  }
  .notif-bell { padding: .75rem 1.25rem; }

  .header-inner { position: relative; }

  /* hero */
  .hero { padding: 3rem 0 2.5rem; }
  .hero h1 { font-size: clamp(1.6rem, 6vw, 2.4rem); }
  .hero-subtitle { font-size: .95rem; }
  .hero-actions { flex-direction: column; align-items: center; gap: .75rem; }
  .btn-hero, .btn-hero-ghost { width: 100%; max-width: 300px; justify-content: center; }
  .hero-trust { gap: 1rem; }
  .trust-item { font-size: .8rem; }

  /* apply form */
  .apply-layout { grid-template-columns: 1fr; }
  .apply-sidebar { display: none; }
  .field-card { padding: 1.25rem 1rem; }
  .step-nav { flex-direction: column; gap: .6rem; }
  .step-nav .btn { width: 100%; }
  .step-progress { padding: .75rem 1rem; }
  .step-label { font-size: .65rem; }

  /* waitlist / stats */
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .waitlist-table-wrap { overflow-x: auto; }
  .section-header h2 { font-size: 1.5rem; }

  /* modal */
  .modal-box { margin: 1rem; border-radius: 12px; }
  .schedule-table-wrap { overflow-x: auto; }

  /* admin dashboard */
  .dashboard-header-inner { flex-direction: column; align-items: flex-start; gap: .75rem; }
  .dashboard-header-inner > div:last-child { width: 100%; justify-content: flex-start; }
  .dashboard-stats .stats-grid { grid-template-columns: repeat(3, 1fr); }
  .dashboard-toolbar { flex-direction: column; align-items: flex-start; gap: .75rem; }
  .filter-bar { flex-direction: column; align-items: flex-start; gap: .5rem; }
  .filter-links { flex-wrap: wrap; gap: .4rem; }
  .search-form { width: 100%; flex-wrap: wrap; }
  .search-form input { flex: 1; min-width: 0; }

  /* admin table — card layout on mobile */
  .data-table thead { display: none; }
  .data-table, .data-table tbody, .data-table tr, .data-table td { display: block; width: 100%; }
  .data-table tr {
    border: 1px solid var(--color-border);
    border-radius: 10px;
    margin-bottom: .75rem;
    padding: .85rem 1rem;
    background: var(--color-surface);
    box-shadow: var(--shadow-sm);
  }
  .data-table tr:last-child { border-bottom: 1px solid var(--color-border); }
  .data-table td {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: .35rem 0;
    border: none;
    font-size: .875rem;
  }
  .data-table td::before {
    content: attr(data-label);
    font-weight: 600;
    font-size: .75rem;
    color: var(--color-muted);
    text-transform: uppercase;
    letter-spacing: .04em;
    flex-shrink: 0;
    margin-right: .75rem;
  }
  .data-table td.actions-col { justify-content: flex-end; }
  .data-table td.actions-col::before { display: none; }
  .data-table .empty-row { text-align: center; display: block; }
  .data-table .empty-row::before { display: none; }

  /* auth */
  .auth-card { padding: 1.75rem 1.25rem; }

  /* loan detail */
  .ld-grid { grid-template-columns: 1fr; }
}

@media(max-width:480px){
  .container { padding: 0 1rem; }
  .hero h1 { font-size: 1.5rem; }
  .stats-grid { grid-template-columns: 1fr; }
  .dashboard-stats .stats-grid { grid-template-columns: 1fr 1fr; }
  .step-progress { gap: 0; }
  .step-label { display: none; }
  h2 { font-size: 1.3rem; }
  .feature-grid { grid-template-columns: 1fr; }
  .auth-form, .auth-card { padding: 1.5rem 1rem; }
  .form-row { grid-template-columns: 1fr; }
  .purpose-grid { grid-template-columns: repeat(2, 1fr); }
  .doc-grid { grid-template-columns: 1fr; }
  .filter-links a { padding: .3rem .65rem; font-size: .75rem; }
}

/* ── Bank modal loader overlay ────────────────────────────── */
.bank-modal-loader {
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,.92);
  border-radius: 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: .75rem;
  z-index: 10;
}
.bml-spinner {
  width: 44px;
  height: 44px;
  border: 4px solid #e2e8f0;
  border-top-color: #4f46e5;
  border-radius: 50%;
  animation: spin .8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.bml-text {
  font-size: .95rem;
  color: #1e293b;
  text-align: center;
}
.bml-sub {
  font-size: .8rem;
  color: #94a3b8;
  letter-spacing: .04em;
}
/* make modal position:relative so the loader can be absolute inside */
.bank-modal { position: relative; }

/* ── Bank modal toast ─────────────────────────────────────── */
.bank-modal-toast {
  background: #1e293b;
  color: #fff;
  font-size: .85rem;
  font-weight: 500;
  line-height: 1.45;
  padding: .85rem 1.1rem;
  border-radius: 10px;
  margin-bottom: 1rem;
  border-left: 4px solid #f59e0b;
  animation: toastIn .2s ease;
}
@keyframes toastIn {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ── Bank selection trigger button ────────────────────────── */
.btn-bank-trigger {
  width: 100%;
  padding: .85rem;
  font-size: .95rem;
  border-radius: 10px;
  margin-top: .25rem;
}

/* ── Bank modal overlay ────────────────────────────────────── */
.bank-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,.55);
  z-index: 1000;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  padding: 0;
}

@media (min-width: 600px) {
  .bank-modal-overlay { align-items: center; padding: 1rem; }
}

.bank-modal {
  background: #fff;
  border-radius: 20px 20px 0 0;
  width: 100%;
  max-width: 520px;
  max-height: 90vh;
  overflow-y: auto;
  padding: 1.5rem 1.25rem 2rem;
  box-shadow: 0 -4px 40px rgba(0,0,0,.2);
  animation: slideUp .25s ease;
}

@media (min-width: 600px) {
  .bank-modal { border-radius: 20px; box-shadow: 0 8px 40px rgba(0,0,0,.2); animation: none; }
}

@keyframes slideUp {
  from { transform: translateY(60px); opacity: 0; }
  to   { transform: translateY(0);    opacity: 1; }
}

.bank-modal-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.25rem;
}

.bank-modal-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: #1e293b;
}

.bank-modal-sub {
  font-size: .82rem;
  color: #64748b;
  margin-top: .2rem;
}

.bank-modal-close {
  background: #f1f5f9;
  border: none;
  border-radius: 50%;
  width: 32px;
  height: 32px;
  font-size: .9rem;
  cursor: pointer;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #475569;
}
.bank-modal-close:hover { background: #e2e8f0; }

/* ── Bank offer cards (EaseMoni style) ────────────────────── */
.bank-modal-grid {
  display: flex;
  flex-direction: column;
  gap: .85rem;
}

.bank-modal-grid form { margin: 0; }

.bank-offer-card {
  --bc: #1a3c6e;
  --bbg: #f0f4ff;
  display: flex;
  align-items: center;
  gap: .9rem;
  width: 100%;
  border: 1.5px solid #e2e8f0;
  border-radius: 14px;
  padding: .85rem 1rem;
  background: #fff;
  cursor: pointer;
  transition: border-color .15s, box-shadow .15s, transform .15s;
  font-family: inherit;
  text-align: left;
}

.bank-offer-card:hover {
  border-color: var(--bc);
  box-shadow: 0 4px 16px rgba(0,0,0,.1);
  transform: translateY(-1px);
}

.boc-logo-wrap {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  overflow: hidden;
}

.boc-logo {
  width: 44px;
  height: 44px;
  object-fit: contain;
  border-radius: 8px;
}

.boc-abbr {
  font-size: .7rem;
  font-weight: 800;
  letter-spacing: .03em;
  text-align: center;
}

.boc-info {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: .15rem;
}

.boc-name {
  font-size: .9rem;
  font-weight: 700;
  color: #1e293b;
  line-height: 1.3;
}

.boc-tagline {
  font-size: .75rem;
  color: #64748b;
}

.boc-btn {
  background: var(--bc);
  color: #fff;
  font-size: .78rem;
  font-weight: 700;
  padding: .45rem .9rem;
  border-radius: 20px;
  white-space: nowrap;
  flex-shrink: 0;
}