/* ────────────────────────────────────────────────
   monzo · soft fintech prototype
──────────────────────────────────────────────── */
:root {
  --bg: #F4F5F7;
  --surface: #FFFFFF;
  --surface-2: #FAFAFB;
  --surface-3: #F6F6F8;
  --ink: #141418;
  --ink-2: #2A2D34;
  --muted: #6B7280;
  --soft: #9AA0A6;
  --accent: #FF5A4E;
  --accent-soft: #FFEAE5;
  --accent-deep: #E64638;
  --positive: #20B27F;
  --positive-soft: #E6F7F0;
  --warning: #F59E0B;
  --negative: #E14E4E;
  --border: #ECEDF0;
  --border-2: #F3F4F6;
  --shadow-sm: 0 1px 2px rgba(17, 24, 39, .04);
  --shadow: 0 1px 2px rgba(17, 24, 39, .04), 0 8px 24px rgba(17, 24, 39, .05);
  --shadow-lg: 0 1px 2px rgba(17, 24, 39, .04), 0 16px 48px rgba(17, 24, 39, .10);
  --radius: 20px;
  --radius-md: 14px;
  --radius-sm: 10px;
  --radius-xs: 8px;
  --font: -apple-system, BlinkMacSystemFont, "Inter", "SF Pro Display", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --mono: "SF Mono", ui-monospace, Menlo, Consolas, "Courier New", monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 15px;
  line-height: 1.45;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
}
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
h1, h2, h3, h4 { margin: 0; font-weight: 650; letter-spacing: -0.01em; }
p { margin: 0; }
input, select, textarea { font-family: inherit; font-size: inherit; color: inherit; }
.icon { width: 20px; height: 20px; flex: 0 0 20px; }
.mono { font-family: var(--mono); }
.mute { color: var(--muted); }
.small { font-size: 12.5px; }
.link { color: var(--accent); font-weight: 600; }
.link-mute { background: none; border: 0; color: var(--muted); font-weight: 500; padding: 4px 8px; border-radius: 8px; }
.link-mute:hover { color: var(--ink); background: var(--surface-3); }

/* ───── Shell / layout ───── */
.shell { display: flex; min-height: 100vh; }
.sidebar {
  width: 248px; flex: 0 0 248px;
  background: var(--surface);
  border-right: 1px solid var(--border);
  display: flex; flex-direction: column;
  padding: 22px 16px;
  position: sticky; top: 0; height: 100vh;
}
.brand { display: flex; align-items: center; gap: 10px; padding: 6px 8px; margin-bottom: 22px; }
.brand .logo {
  width: 28px; height: 28px; display: block;
  border-radius: 8px; overflow: visible;
  box-shadow: 0 6px 14px rgba(20,20,24,.22);
}
.brand-name { font-weight: 700; font-size: 18px; letter-spacing: -.02em; }
.brand-lg .logo { width: 44px; height: 44px; border-radius: 12px; box-shadow: 0 10px 22px rgba(20,20,24,.28); }
.brand-lg .brand-name { font-size: 26px; }
.brand-sm .logo { width: 22px; height: 22px; border-radius: 6px; box-shadow: 0 3px 8px rgba(20,20,24,.18); }
.brand-sm .brand-name { font-size: 15px; }

.nav { display: flex; flex-direction: column; gap: 4px; }
.nav-item {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px; border-radius: 12px;
  color: var(--ink-2); font-weight: 550;
  transition: background .15s, color .15s;
}
.nav-item:hover { background: var(--surface-3); }
.nav-item.is-active { background: var(--accent-soft); color: var(--accent-deep); }
.nav-item .icon { color: currentColor; }

.sidebar-footer { margin-top: auto; display: flex; flex-direction: column; gap: 10px; }
.user-chip {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 12px; border-radius: 14px;
  background: var(--surface-3);
}
.user-chip .meta { display: flex; flex-direction: column; line-height: 1.2; }
.user-chip .meta small { color: var(--muted); font-size: 12px; }
.avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(145deg, #141418, #3a3a42); color: #fff;
  display: grid; place-items: center; font-weight: 650; letter-spacing: -.01em;
}
.avatar.sm { width: 30px; height: 30px; font-size: 13px; }
.avatar.md { width: 44px; height: 44px; }
.avatar.lg { width: 60px; height: 60px; font-size: 22px; }
.logout {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 12px; border-radius: 12px; color: var(--muted);
}
.logout:hover { color: var(--ink); background: var(--surface-3); }

.content { flex: 1; min-width: 0; display: flex; flex-direction: column; }
.topbar {
  height: 64px; display: flex; align-items: center;
  padding: 0 28px;
  border-bottom: 1px solid var(--border);
  background: color-mix(in srgb, var(--surface) 85%, transparent);
  backdrop-filter: saturate(180%) blur(12px);
  position: sticky; top: 0; z-index: 20;
}
.menu-btn { display: none; background: transparent; border: 0; padding: 8px; margin-right: 8px; color: var(--ink); border-radius: 10px; }
.menu-btn:hover { background: var(--surface-3); }
.page-title { font-size: 18px; font-weight: 650; flex: 1; }
.top-actions { display: flex; align-items: center; gap: 12px; }
.icon-btn { background: var(--surface-3); border: 0; width: 38px; height: 38px; border-radius: 50%; color: var(--ink-2); display: grid; place-items: center; }
.icon-btn:hover { background: var(--border); }

.main { padding: 28px; max-width: 1280px; width: 100%; margin: 0 auto; }

/* Mobile nav */
.mobile-nav { display: none; }
.backdrop { display: none; }

/* ───── Cards & atoms ───── */
.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 22px;
  box-shadow: var(--shadow-sm);
}
.card + .card, .card-header + * { margin-top: 0; }
.card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; gap: 12px; }
.card-header h3 { font-size: 16px; }
.eyebrow { color: var(--muted); font-size: 13px; font-weight: 550; letter-spacing: 0; margin-bottom: 6px; }
.eyebrow-mute { color: var(--muted); font-size: 12.5px; }
.amount { font-size: 22px; font-weight: 650; }
.big-amount { font-size: 40px; font-weight: 700; letter-spacing: -.02em; }
.xl-amount { font-size: 52px; font-weight: 750; letter-spacing: -.03em; }
.mini-amount { font-size: 22px; font-weight: 650; }
.mini-amount.is-in { color: var(--positive); }
.mini-amount.negative { color: var(--negative); }
.pill { display: inline-flex; padding: 4px 10px; border-radius: 999px; font-size: 12px; font-weight: 600; background: var(--surface-3); color: var(--muted); }
.pill-soft { background: var(--surface-3); }
.pill-green { background: var(--positive-soft); color: var(--positive); }
.chip { display: inline-flex; padding: 4px 10px; border-radius: 999px; font-size: 11.5px; font-weight: 600; background: var(--accent-soft); color: var(--accent-deep); }
.chip-green { background: var(--positive-soft); color: var(--positive); }

/* ───── Grid ───── */
.grid-2 { display: grid; grid-template-columns: 1.4fr 1fr; gap: 20px; align-items: start; }
.stack { display: flex; flex-direction: column; gap: 16px; }

/* ───── Dashboard hero ───── */
.hero-card { background: linear-gradient(180deg, #fff, #FAFBFC); }
.hero-top { display: flex; align-items: flex-start; justify-content: space-between; gap: 20px; margin-bottom: 22px; }
.hero-actions { display: flex; gap: 8px; flex-wrap: wrap; }
.pill-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--ink); color: #fff;
  padding: 10px 14px; border-radius: 999px; font-weight: 600; font-size: 13px;
  border: 0; transition: transform .1s, background .2s;
}
.pill-btn:hover { background: var(--ink-2); }
.pill-btn:active { transform: translateY(1px); }
.pill-btn .icon { width: 16px; height: 16px; }

/* Chart */
.chart { border-top: 1px solid var(--border-2); padding-top: 18px; }
.chart-head { display: flex; align-items: flex-end; justify-content: space-between; margin-bottom: 10px; }
.chart-value { font-size: 20px; font-weight: 650; }
.chart-value .mute { font-size: 13px; font-weight: 500; margin-left: 6px; }
.chart-legend { display: flex; align-items: center; gap: 6px; font-size: 12.5px; color: var(--muted); }
.lg { width: 10px; height: 10px; border-radius: 3px; display: inline-block; }
.lg-accent { background: var(--accent); }
.chart-svg { width: 100%; height: 160px; display: block; }
.chart-foot { display: flex; justify-content: space-between; color: var(--soft); font-size: 11.5px; margin-top: 4px; }

/* Account cards */
.account-card {
  display: block; position: relative; overflow: hidden;
  transition: transform .15s, box-shadow .15s;
}
.account-card:hover { transform: translateY(-1px); box-shadow: var(--shadow); }
.account-card::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: var(--tint, var(--accent));
}
.ac-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; }
.ac-foot { display: flex; align-items: center; justify-content: space-between; margin-top: 18px; color: var(--muted); font-size: 13px; font-family: var(--mono); }
.ac-foot .go { color: var(--soft); }
.ac-foot .go .icon { width: 16px; height: 16px; }

/* Mini card */
.mini-card { padding: 18px; }
.mini-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

/* ───── Transactions ───── */
.txn-card { padding: 6px 0; }
.txn-card .card-header { padding: 18px 22px 10px; }
.date-sep { padding: 12px 22px 6px; color: var(--muted); font-size: 12.5px; font-weight: 600; background: var(--surface-2); }
.txn {
  display: flex; align-items: center; gap: 14px; padding: 12px 22px;
  border-top: 1px solid var(--border-2);
}
.txn:first-of-type { border-top: 0; }
.txn-ico {
  width: 42px; height: 42px; border-radius: 14px;
  background: var(--surface-3); display: grid; place-items: center; font-size: 18px;
  border: 1px solid var(--border-2);
}
.txn-body { flex: 1; min-width: 0; }
.txn-name { font-weight: 600; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.txn-sub { font-size: 12.5px; color: var(--muted); }
.txn-amt { font-weight: 650; font-variant-numeric: tabular-nums; }
.txn-amt.is-in { color: var(--positive); }
.txn-amt.is-out { color: var(--ink); }

/* ───── Account / details page ───── */
.tabs { display: flex; gap: 8px; margin-bottom: 20px; flex-wrap: wrap; }
.tab {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 14px; border-radius: 999px;
  background: var(--surface); border: 1px solid var(--border);
  font-weight: 600; font-size: 13.5px; color: var(--ink-2);
}
.tab-dot { width: 8px; height: 8px; border-radius: 50%; }
.tab.is-active { background: var(--ink); color: #fff; border-color: var(--ink); }

.account-hero { background: linear-gradient(180deg, #fff, color-mix(in srgb, var(--tint) 5%, #fff)); position: relative; }
.account-hero::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: var(--tint, var(--accent)); border-radius: var(--radius) var(--radius) 0 0;
}

.virtual-card {
  margin-top: 20px;
  border-radius: 18px; padding: 22px;
  background:
    radial-gradient(160% 120% at 100% 0%, rgba(255,255,255,.2), transparent 55%),
    linear-gradient(130deg, color-mix(in srgb, var(--tint) 85%, #000 10%), color-mix(in srgb, var(--tint) 60%, #000 25%));
  color: #fff; box-shadow: var(--shadow);
}
.vc-top { display: flex; justify-content: space-between; align-items: center; }
.vc-brand { font-weight: 700; font-size: 15px; letter-spacing: -.01em; }
.vc-chip {
  width: 34px; height: 24px; border-radius: 5px;
  background: linear-gradient(135deg, #ffd577, #c89730);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.35);
}
.vc-num { font-family: var(--mono); font-size: 18px; letter-spacing: 2px; margin-top: 26px; }
.vc-foot { display: flex; gap: 28px; margin-top: 14px; }
.vc-label { display: block; font-size: 10.5px; text-transform: uppercase; letter-spacing: .08em; opacity: .75; }
.vc-val { font-weight: 600; font-size: 13.5px; }

.details-card { padding: 22px; }
.detail-list { display: flex; flex-direction: column; }
.detail-list.tight .detail-row { padding: 12px 0; }
.detail-row {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 14px 0; border-top: 1px solid var(--border-2);
}
.detail-row:first-child { border-top: 0; }
.d-label { font-size: 12.5px; color: var(--muted); margin-bottom: 2px; }
.d-value { font-weight: 600; font-size: 14.5px; font-variant-numeric: tabular-nums; }
.d-sub { font-size: 12px; color: var(--muted); margin-top: 2px; font-family: var(--mono); }
.copy-btn {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--surface-3); border: 1px solid var(--border);
  padding: 6px 10px; border-radius: 10px; font-size: 12.5px; font-weight: 600; color: var(--ink-2);
  transition: background .15s, border-color .15s;
}
.copy-btn:hover { background: #fff; border-color: #d6d8dd; }
.copy-btn.is-copied { background: var(--positive-soft); color: var(--positive); border-color: color-mix(in srgb, var(--positive) 30%, transparent); }
.copy-btn .icon { width: 14px; height: 14px; }

.info-card { margin-top: 20px; }
.info-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px 24px; }

/* ───── Transactions page ───── */
.filter-row { display: flex; flex-direction: column; gap: 12px; margin-bottom: 20px; }
.search {
  display: flex; align-items: center; gap: 10px;
  background: var(--surface); border: 1px solid var(--border);
  border-radius: 14px; padding: 10px 14px; box-shadow: var(--shadow-sm);
}
.search .icon { color: var(--muted); }
.search input { flex: 1; border: 0; outline: 0; background: transparent; }
.chip-row { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; }
.chip-link {
  display: inline-flex; padding: 7px 12px; border-radius: 999px;
  background: var(--surface); border: 1px solid var(--border);
  font-size: 12.5px; font-weight: 600; color: var(--ink-2);
}
.chip-link.is-active { background: var(--ink); color: #fff; border-color: var(--ink); }
.chip-sep { width: 1px; height: 18px; background: var(--border); margin: 0 4px; }
.summary-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-bottom: 16px; }
.empty { padding: 40px 22px; text-align: center; color: var(--muted); }

/* ───── Wizard / Transfer ───── */
.wizard { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 18px; }
.wiz-head {
  display: flex; align-items: center; gap: 12px; justify-content: space-between; flex-wrap: wrap;
}
.back-link { display: inline-flex; align-items: center; gap: 6px; color: var(--muted); font-weight: 600; padding: 6px 8px; border-radius: 8px; }
.back-link:hover { color: var(--ink); background: var(--surface-3); }
.back-link .icon { width: 18px; height: 18px; }
.mode-switch {
  display: inline-flex; background: var(--surface); border: 1px solid var(--border);
  border-radius: 999px; padding: 4px;
}
.mode-switch a {
  padding: 8px 14px; border-radius: 999px;
  font-size: 13px; font-weight: 600; color: var(--muted);
}
.mode-switch a.is-active { background: var(--ink); color: #fff; }
.cancel-form { margin: 0; }

.stepper {
  list-style: none; padding: 0; margin: 0;
  display: flex; gap: 0; overflow: hidden;
  background: var(--surface); border: 1px solid var(--border); border-radius: 14px;
}
.step {
  flex: 1; min-width: 0;
  display: flex; align-items: center; gap: 8px;
  padding: 12px 14px; font-size: 13px; color: var(--muted);
  border-right: 1px solid var(--border-2);
}
.step:last-child { border-right: 0; }
.step-i {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--surface-3); color: var(--muted);
  display: grid; place-items: center; font-size: 12px; font-weight: 700; flex: 0 0 22px;
}
.step-l { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; font-weight: 600; }
.step.is-current { color: var(--ink); background: color-mix(in srgb, var(--accent-soft) 60%, transparent); }
.step.is-current .step-i { background: var(--accent); color: #fff; }
.step.is-done { color: var(--positive); }
.step.is-done .step-i { background: var(--positive); color: #fff; }

.wiz-form { display: flex; flex-direction: column; gap: 16px; }
.wiz-foot { display: flex; gap: 10px; align-items: center; margin-top: 4px; }

.form-error { color: var(--negative); font-size: 13.5px; font-weight: 600; }
.form-error.banner {
  background: color-mix(in srgb, var(--negative) 10%, #fff);
  border: 1px solid color-mix(in srgb, var(--negative) 30%, transparent);
  padding: 10px 14px; border-radius: 12px;
}

.radio-stack { display: flex; flex-direction: column; gap: 8px; }
.radio-card { display: block; cursor: pointer; }
.radio-card input { position: absolute; opacity: 0; pointer-events: none; }
.radio-card .r-body {
  display: flex; align-items: center; gap: 14px;
  padding: 14px 16px; border: 1.5px solid var(--border);
  border-radius: 14px; background: var(--surface);
  transition: border-color .15s, background .15s;
}
.radio-card:hover .r-body { border-color: #d5d7dc; }
.radio-card input:checked + .r-body { border-color: var(--accent); background: color-mix(in srgb, var(--accent-soft) 35%, #fff); }
.r-dot { width: 10px; height: 10px; border-radius: 50%; flex: 0 0 10px; }
.r-main { display: flex; flex-direction: column; flex: 1; min-width: 0; }
.r-name { font-weight: 600; }
.r-sub { color: var(--muted); font-size: 12.5px; }
.r-amt { font-weight: 600; font-variant-numeric: tabular-nums; }

.contact-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(120px, 1fr)); gap: 10px; }
.contact { display: block; cursor: pointer; }
.contact input { position: absolute; opacity: 0; pointer-events: none; }
.contact .c-body {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  padding: 14px 10px; border: 1.5px solid var(--border); border-radius: 14px;
  text-align: center; background: var(--surface);
  transition: border-color .15s, background .15s;
}
.contact:hover .c-body { border-color: #d5d7dc; }
.contact input:checked + .c-body { border-color: var(--accent); background: color-mix(in srgb, var(--accent-soft) 40%, #fff); }
.c-name { font-weight: 600; font-size: 13.5px; }
.c-sub { font-size: 11.5px; color: var(--muted); }

.new-recipient { margin-top: 14px; }
.new-recipient > summary {
  cursor: pointer; color: var(--accent); font-weight: 600; list-style: none;
  padding: 10px 12px; border-radius: 10px; background: var(--accent-soft); display: inline-block;
}
.new-recipient > summary::-webkit-details-marker { display: none; }
.field-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-top: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; font-size: 13px; color: var(--muted); }
.field span { font-weight: 600; color: var(--ink-2); font-size: 12.5px; }
.field input, .field textarea, .field select {
  padding: 12px 14px; border-radius: 12px; border: 1.5px solid var(--border);
  background: var(--surface); font-size: 14.5px; transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: 0; border-color: var(--accent); box-shadow: 0 0 0 4px color-mix(in srgb, var(--accent) 15%, transparent);
}
.radio-inline { display: inline-flex; align-items: center; gap: 8px; color: var(--ink-2); font-weight: 500; }

.summary-strip { padding: 14px 18px; display: flex; flex-direction: column; gap: 6px; }
.ss-row { display: flex; justify-content: space-between; font-size: 13.5px; }
.ss-row .mute { font-weight: 600; }

.amount-card { text-align: center; padding: 28px 22px; }
.amount-input {
  display: inline-flex; align-items: baseline; gap: 6px; margin: 14px 0 10px;
}
.amount-sym { font-size: 44px; font-weight: 600; color: var(--muted); }
.amount-input input {
  font-size: 64px; font-weight: 700; letter-spacing: -.03em;
  border: 0; outline: 0; background: transparent; width: 5ch; text-align: left;
  color: var(--ink); font-variant-numeric: tabular-nums;
}
.amount-input input::placeholder { color: color-mix(in srgb, var(--soft) 60%, transparent); }
.quick-amounts { display: flex; gap: 8px; justify-content: center; flex-wrap: wrap; margin: 16px 0 6px; }
.qa {
  background: var(--surface-3); border: 1px solid var(--border);
  padding: 8px 12px; border-radius: 999px; font-size: 13px; font-weight: 600; color: var(--ink-2);
}
.qa:hover { background: #fff; }
.mt { margin-top: 18px; text-align: left; }

.review-card { padding: 22px; }
.review-hero { text-align: center; padding: 20px 0 28px; border-bottom: 1px solid var(--border-2); margin-bottom: 8px; }

.otp-card { padding: 28px; text-align: center; }
.otp-icon {
  width: 56px; height: 56px; border-radius: 18px; background: var(--accent-soft);
  color: var(--accent-deep); display: grid; place-items: center; margin: 0 auto 14px;
}
.otp-icon .icon { width: 26px; height: 26px; }
.otp-inputs { display: flex; gap: 10px; justify-content: center; margin: 22px 0 12px; }
.otp-d {
  width: 48px; height: 56px; border: 1.5px solid var(--border); border-radius: 12px;
  font-size: 24px; font-weight: 700; text-align: center; background: var(--surface);
  transition: border-color .15s, box-shadow .15s, background .15s;
  font-variant-numeric: tabular-nums;
}
.otp-d:focus { outline: 0; border-color: var(--accent); box-shadow: 0 0 0 4px color-mix(in srgb, var(--accent) 15%, transparent); }
.otp-d.is-filled { background: var(--accent-soft); border-color: var(--accent); }

/* Receipt */
.receipt { padding: 28px; text-align: center; }
.check-anim {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--positive-soft); color: var(--positive);
  display: grid; place-items: center; margin: 0 auto 14px;
  animation: pop .35s cubic-bezier(.2,.9,.3,1.2);
}
.check-anim .icon { width: 32px; height: 32px; }
@keyframes pop { 0% { transform: scale(.4); opacity: 0; } 100% { transform: scale(1); opacity: 1; } }
.receipt h2 { margin-top: 4px; font-size: 24px; }
.receipt-box {
  margin: 22px 0 18px;
  border: 1.5px dashed var(--border); border-radius: 16px;
  padding: 18px 22px; text-align: left; background: var(--surface-2);
}
.receipt-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 6px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 20px; border-radius: 14px; font-weight: 650; font-size: 14.5px;
  border: 1.5px solid transparent; transition: transform .1s, background .2s, box-shadow .2s;
  cursor: pointer;
}
.btn-block { width: 100%; }
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: var(--ink-2); }
.btn-primary:active { transform: translateY(1px); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--border); }
.btn-ghost:hover { background: var(--surface-3); }

/* ───── Auth page ───── */
body.auth {
  background: radial-gradient(ellipse at 80% -20%, #FFEAE5 0%, transparent 55%),
              radial-gradient(ellipse at -20% 110%, #E7F5FF 0%, transparent 45%),
              var(--bg);
  min-height: 100vh;
}
.auth-wrap {
  display: grid; grid-template-columns: 1fr 1fr; min-height: 100vh;
  max-width: 1200px; margin: 0 auto; padding: 28px; gap: 40px; align-items: stretch;
}
.auth-hero { display: flex; flex-direction: column; padding: 28px; justify-content: space-between; }
.auth-hero .hero-copy h2 { font-size: 48px; line-height: 1.02; letter-spacing: -.03em; margin-top: 40px; }
.auth-hero .hero-copy p { color: var(--muted); margin-top: 14px; max-width: 420px; }
.hero-bullets { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-direction: column; gap: 10px; color: var(--ink-2); font-size: 14px; }
.hero-bullets li { display: flex; align-items: center; gap: 10px; }
.hero-bullets .icon { color: var(--accent); width: 18px; height: 18px; }

.auth-card-wrap { display: flex; flex-direction: column; justify-content: center; gap: 14px; }
.auth-card {
  background: var(--surface);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}
.auth-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.auth-header { text-align: center; margin-bottom: 22px; display: flex; flex-direction: column; align-items: center; gap: 10px; }
.auth-header .avatar.lg { background: linear-gradient(145deg, #FF5A4E, #E64638); box-shadow: 0 8px 24px rgba(230,70,56,.3); }
.auth-header h1 { font-size: 22px; }
.auth-header p { color: var(--muted); font-size: 14px; }

.pin-form { display: flex; flex-direction: column; align-items: center; gap: 18px; }
.sr-only, .pin-input {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.pin-dots { display: flex; gap: 14px; }
.pin-dot {
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--surface-3); border: 1.5px solid var(--border);
  transition: background .15s, transform .15s, border-color .15s;
}
.pin-dot.is-filled { background: var(--ink); border-color: var(--ink); transform: scale(1.08); }

.keypad {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; width: 100%; max-width: 320px;
}
.key {
  height: 56px; border-radius: 14px; border: 1.5px solid var(--border);
  background: var(--surface); font-size: 22px; font-weight: 550; color: var(--ink);
  transition: background .12s, transform .05s, border-color .12s;
}
.key:hover { background: var(--surface-3); }
.key:active { transform: scale(.97); }
.key-ghost { background: transparent; font-size: 13px; font-weight: 600; color: var(--muted); }

.auth-hint { color: var(--muted); font-size: 12.5px; text-align: center; margin-top: 4px; }
.auth-hint code { background: var(--surface-3); padding: 1px 6px; border-radius: 6px; font-family: var(--mono); }
.auth-foot {
  display: flex; align-items: center; gap: 10px; justify-content: center;
  color: var(--muted); font-size: 12.5px; padding: 4px;
}
.auth-foot a:hover { color: var(--ink); }
.dot-sep { opacity: .5; }

/* ───── Toast ───── */
.toast {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%) translateY(20px);
  background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 999px;
  font-size: 13px; font-weight: 600; opacity: 0; pointer-events: none;
  transition: opacity .2s, transform .2s;
  z-index: 50; box-shadow: var(--shadow-lg);
}
.toast.is-show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ───────────── Responsive ───────────── */
@media (max-width: 1020px) {
  .grid-2 { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
  .summary-row { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .auth-wrap { grid-template-columns: 1fr; padding: 20px; gap: 14px; }
  .auth-hero { display: none; }
  .auth-card { padding: 24px; }
  .auth-header h1 { font-size: 20px; }
}

@media (max-width: 760px) {
  .main { padding: 18px 16px 100px; }
  .topbar { padding: 0 16px; }
  .menu-btn { display: inline-grid; place-items: center; }
  .sidebar {
    position: fixed; inset: 0 auto 0 0; z-index: 40;
    transform: translateX(-100%); transition: transform .25s ease;
    box-shadow: 0 24px 48px rgba(17,24,39,.15);
    width: 280px; flex-basis: 280px;
  }
  body.nav-open .sidebar { transform: translateX(0); }
  body.nav-open .backdrop {
    display: block; position: fixed; inset: 0; z-index: 30;
    background: rgba(17,24,39,.4); backdrop-filter: blur(2px);
  }
  .mobile-nav {
    display: grid; grid-template-columns: 1fr 1fr auto 1fr 1fr;
    position: fixed; bottom: 0; left: 0; right: 0; z-index: 35;
    background: color-mix(in srgb, var(--surface) 92%, transparent); backdrop-filter: saturate(180%) blur(14px);
    border-top: 1px solid var(--border); padding: 8px 10px env(safe-area-inset-bottom);
    gap: 4px; align-items: center;
  }
  .mn {
    display: flex; flex-direction: column; align-items: center; gap: 2px;
    padding: 6px 0; color: var(--muted); font-size: 10.5px; font-weight: 600;
  }
  .mn.is-active { color: var(--accent); }
  .mn .icon { width: 20px; height: 20px; }
  .mn-primary {
    width: 52px; height: 52px; border-radius: 50%; background: var(--accent); color: #fff;
    display: grid; place-items: center; transform: translateY(-10px);
    box-shadow: 0 10px 22px rgba(230,70,56,.35);
  }
  .mn-primary .icon { width: 26px; height: 26px; }
  .stack { gap: 12px; }
  .hero-top { flex-direction: column; align-items: stretch; gap: 14px; }
  .hero-actions { justify-content: flex-start; }
  .big-amount { font-size: 32px; }
  .xl-amount { font-size: 40px; }
  .field-grid { grid-template-columns: 1fr; }
  .wiz-foot { flex-direction: column; align-items: stretch; }
  .wiz-foot .btn { width: 100%; }
  .step-l { display: none; }
  .step { justify-content: center; padding: 10px 6px; }
  .mode-switch { width: 100%; justify-content: stretch; }
  .mode-switch a { flex: 1; text-align: center; }
  .summary-row { grid-template-columns: 1fr; }
  .otp-d { width: 40px; height: 52px; font-size: 22px; }
  .amount-sym { font-size: 32px; }
  .amount-input input { font-size: 48px; }
  .detail-row { flex-wrap: wrap; }
}

@media (max-width: 440px) {
  .contact-grid { grid-template-columns: repeat(3, 1fr); }
  .otp-d { width: 36px; height: 48px; font-size: 20px; }
  .otp-inputs { gap: 6px; }
}