:root{--navy-900: #071a33;--navy-800: #0b2545;--navy-700: #13315c;--navy-600: #1d4e89;--emerald: #10b981;--emerald-dark: #059669;--gold: #c8a95a;--bg: #f5f7fa;--surface: #ffffff;--text: #0f172a;--muted: #64748b;--line: #e2e8f0;--danger: #dc2626;--danger-bg: #fef2f2;--ok: #059669;--ok-bg: #ecfdf5;--warn: #b45309;--warn-bg: #fffbeb;--shadow-sm: 0 1px 2px rgba(15,23,42,.06), 0 1px 3px rgba(15,23,42,.08);--shadow-md: 0 4px 12px rgba(15,23,42,.08);--shadow-lg: 0 12px 40px rgba(11,37,69,.16);--radius: 14px}*{box-sizing:border-box}html,body{margin:0;padding:0}body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased}h1,h2,h3{font-family:Manrope,Inter,sans-serif;color:var(--navy-800);margin:0}a{color:var(--navy-600);text-decoration:none}a:hover{text-decoration:underline}.brand{display:inline-flex;align-items:center;gap:10px}.brand-mark{width:38px;height:38px;border-radius:10px;flex:none;background:linear-gradient(135deg,var(--emerald),var(--navy-600));display:grid;place-items:center;color:#fff;font-weight:800;font-family:Manrope;box-shadow:inset 0 0 0 2px #ffffff26}.brand-name{font-family:Manrope;font-weight:800;font-size:1.15rem;color:var(--navy-800);letter-spacing:-.2px}.brand-name .sub{display:block;font-family:Inter;font-weight:500;font-size:.62rem;letter-spacing:2px;color:var(--muted);text-transform:uppercase}.brand.on-dark .brand-name,.brand.on-dark .brand-name .sub{color:#fff}.brand.on-dark .brand-name .sub{color:#ffffffb3}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:linear-gradient(135deg,var(--navy-700),var(--navy-600));color:#fff;border:0;border-radius:10px;padding:13px 20px;font-size:.95rem;font-weight:600;cursor:pointer;width:100%;transition:transform .05s ease,box-shadow .2s ease,opacity .2s;box-shadow:var(--shadow-sm)}.btn:hover{box-shadow:var(--shadow-md);text-decoration:none}.btn:active{transform:translateY(1px)}.btn:disabled{opacity:.5;cursor:not-allowed}.btn.accent{background:linear-gradient(135deg,var(--emerald),var(--emerald-dark))}.btn.ghost{background:#fff;color:var(--navy-700);border:1px solid var(--line);box-shadow:none}.btn.sm{width:auto;padding:9px 14px;font-size:.85rem}.link-btn{background:none;border:0;color:var(--navy-600);cursor:pointer;font-weight:600;font-size:.9rem}.link-btn:hover{text-decoration:underline}.field{display:flex;flex-direction:column;gap:7px;margin-bottom:4px}.field-label{font-size:.82rem;font-weight:600;color:#334155}.field input,.field select{padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-size:.95rem;font-family:inherit;background:#fff;transition:border-color .15s,box-shadow .15s}.field input:focus,.field select:focus{outline:none;border-color:var(--navy-600);box-shadow:0 0 0 3px #1d4e891f}.field-error{color:var(--danger);font-size:.78rem}.checkbox{display:flex;align-items:center;gap:9px;font-size:.88rem;color:#334155}.checkbox input{width:16px;height:16px;accent-color:var(--navy-600)}.error-banner{background:var(--danger-bg);color:var(--danger);border:1px solid #fecaca;border-radius:10px;padding:12px 14px;margin-bottom:16px;font-size:.88rem}.error-details{font-size:.78rem;margin-top:4px;opacity:.85}.ok-text{color:var(--ok);font-size:.82rem;display:flex;align-items:center;gap:6px}.hint{color:var(--muted);font-size:.82rem}.auth-wrap{min-height:100vh;display:grid;grid-template-columns:1.05fr 1fr}.auth-hero{position:relative;overflow:hidden;color:#fff;padding:48px 56px;background:radial-gradient(1200px 600px at -10% -10%,#1d4e89 0%,transparent 55%),linear-gradient(160deg,var(--navy-900),var(--navy-700));display:flex;flex-direction:column;justify-content:space-between}.auth-hero:after{content:"";position:absolute;right:-120px;bottom:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.28),transparent 60%)}.auth-hero-body{margin:auto 0;max-width:460px;position:relative;z-index:1}.auth-hero h1{color:#fff;font-size:2.4rem;line-height:1.15;letter-spacing:-.5px}.auth-hero p.lead{color:#ffffffd1;font-size:1.02rem;margin-top:16px;line-height:1.6}.trust-list{list-style:none;padding:0;margin:32px 0 0;display:grid;gap:14px}.trust-list li{display:flex;align-items:center;gap:12px;color:#ffffffe6;font-size:.92rem}.trust-ico{width:34px;height:34px;border-radius:9px;background:#ffffff1a;display:grid;place-items:center;flex:none}.auth-foot{position:relative;z-index:1;color:#ffffff8c;font-size:.78rem}.auth-panel{display:flex;align-items:center;justify-content:center;padding:40px 24px}.auth-card{width:100%;max-width:400px}.auth-card h2{font-size:1.6rem}.auth-card .subtitle{color:var(--muted);margin:8px 0 26px;font-size:.95rem}.form{display:flex;flex-direction:column;gap:16px}.footer-link{margin-top:22px;text-align:center;font-size:.9rem;color:var(--muted)}.stepper{list-style:none;display:flex;gap:6px;padding:0;margin:0 0 26px}.stepper li{flex:1;text-align:center;font-size:.68rem;color:var(--muted);position:relative}.stepper .dot{display:grid;place-items:center;width:30px;height:30px;margin:0 auto 6px;border-radius:50%;background:#eef2f7;color:var(--muted);font-weight:700;font-size:.82rem;border:2px solid transparent}.stepper li.active .dot{background:#fff;color:var(--navy-700);border-color:var(--navy-600);box-shadow:0 0 0 3px #1d4e891f}.stepper li.done .dot{background:var(--emerald);color:#fff}.stepper li.active,.stepper li.done{color:var(--text);font-weight:600}.otp{display:flex;flex-direction:column;gap:10px}.otp-input{letter-spacing:12px;text-align:center;font-size:1.4rem;font-weight:700;font-family:Manrope;padding:14px}.otp-meta{display:flex;justify-content:space-between;align-items:center;font-size:.82rem;color:var(--muted)}.otp-meta .expired{color:var(--danger)}.app-shell{min-height:100vh;display:flex;flex-direction:column}.topbar{position:sticky;top:0;z-index:20;background:var(--navy-800);color:#fff;display:flex;align-items:center;justify-content:space-between;padding:0 28px;height:64px;box-shadow:0 2px 10px #071a3340}.topbar nav{display:flex;gap:6px}.topbar nav a{color:#ffffffc7;padding:8px 14px;border-radius:8px;font-size:.9rem;font-weight:500}.topbar nav a:hover{background:#ffffff14;color:#fff;text-decoration:none}.topbar nav a.active{background:#ffffff1f;color:#fff}.topbar-right{display:flex;align-items:center;gap:14px}.avatar{width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--emerald),var(--navy-600));display:grid;place-items:center;font-weight:700;font-size:.82rem;color:#fff}.page{max-width:1080px;width:100%;margin:0 auto;padding:28px 24px 60px;flex:1}.page-title{font-size:1.5rem;margin-bottom:4px}.page-sub{color:var(--muted);font-size:.92rem;margin-bottom:24px}.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}.card.pad{padding:22px}.grid{display:grid;gap:18px}.grid.cols-2{grid-template-columns:1.4fr 1fr}.section-title{font-size:.78rem;text-transform:uppercase;letter-spacing:1.2px;color:var(--muted);font-weight:700;margin:26px 0 12px}.balance-card{border-radius:18px;padding:26px;color:#fff;position:relative;overflow:hidden;background:radial-gradient(700px 300px at 110% -20%,#1d4e89,transparent 60%),linear-gradient(135deg,var(--navy-800),var(--navy-700));box-shadow:var(--shadow-lg)}.balance-card:after{content:"";position:absolute;right:-60px;top:-60px;width:200px;height:200px;border-radius:50%;background:radial-gradient(circle,rgba(16,185,129,.3),transparent 60%)}.balance-card .label{color:#ffffffb8;font-size:.82rem;letter-spacing:.5px}.balance-card .amount{font-family:Manrope;font-weight:800;font-size:2.5rem;margin:8px 0;letter-spacing:-1px}.balance-card .acct{font-family:monospace;color:#fffc;font-size:.9rem}.balance-card .chip{position:absolute;top:24px;right:24px;background:#ffffff1f;padding:5px 12px;border-radius:20px;font-size:.72rem;letter-spacing:1px}.account-row{display:flex;align-items:center;justify-content:space-between;padding:16px 18px;border-bottom:1px solid var(--line)}.account-row:last-child{border-bottom:0}.acct-left{display:flex;align-items:center;gap:14px}.acct-ic{width:42px;height:42px;border-radius:10px;background:var(--ok-bg);color:var(--emerald-dark);display:grid;place-items:center}.acct-type{font-weight:600;font-size:.95rem}.acct-num{font-family:monospace;color:var(--muted);font-size:.82rem}.acct-bal{font-family:Manrope;font-weight:700;font-size:1.05rem;color:var(--navy-800)}.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.quick-tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-align:center;cursor:pointer;transition:transform .08s,box-shadow .2s,border-color .2s;color:var(--text)}.quick-tile:hover{transform:translateY(-2px);box-shadow:var(--shadow-md);border-color:var(--navy-600);text-decoration:none}.quick-tile .qic{width:46px;height:46px;border-radius:12px;background:var(--bg);color:var(--navy-700);display:grid;place-items:center;margin:0 auto 10px}.quick-tile .qlabel{font-size:.86rem;font-weight:600}.notice{display:flex;align-items:center;gap:10px;padding:10px 14px;border-radius:10px;font-size:.85rem;margin-top:10px}.notice.warn{background:var(--warn-bg);color:var(--warn);border:1px solid #fde68a}.notice.info{background:#eff6ff;color:#1d4ed8;border:1px solid #bfdbfe}.summary{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.summary .row{display:flex;justify-content:space-between;padding:13px 18px;border-bottom:1px solid var(--line);font-size:.92rem}.summary .row:last-child{border-bottom:0}.summary .row span{color:var(--muted)}.summary .row b{font-weight:600}.summary .row.total{background:#f8fafc}.summary .row.total b{font-size:1.05rem;color:var(--navy-800)}.receipt-head{text-align:center;padding:8px 0 18px}.receipt-badge{width:64px;height:64px;border-radius:50%;display:grid;place-items:center;margin:0 auto 12px}.receipt-badge.success{background:var(--ok-bg);color:var(--emerald-dark)}.receipt-badge.pending{background:var(--warn-bg);color:var(--warn)}.receipt-badge.failed,.receipt-badge.reversed{background:var(--danger-bg);color:var(--danger)}.status-pill{display:inline-block;padding:4px 14px;border-radius:20px;font-size:.75rem;font-weight:700;letter-spacing:.5px}.status-pill.success{background:var(--ok-bg);color:var(--emerald-dark)}.status-pill.pending{background:var(--warn-bg);color:var(--warn)}.status-pill.failed,.status-pill.reversed{background:var(--danger-bg);color:var(--danger)}@media (max-width: 860px){.auth-wrap{grid-template-columns:1fr}.auth-hero{display:none}.grid.cols-2{grid-template-columns:1fr}.quick-grid{grid-template-columns:repeat(2,1fr)}.topbar nav{display:none}}