@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=Inter:wght@300;400;500;600&display=swap');

:root {
  --gold:#C9A84C; --gold-light:#E8C97A; --gold-dim:rgba(201,168,76,0.15);
  --navy:#0B1426; --navy2:#0F1C35; --navy3:#162240; --navy4:#1C2B4F;
  --blue:#1A56DB; --blue-light:#3B7DFF;
  --text:#E8EDF5; --muted:#7A90B8; --border:rgba(255,255,255,0.07);
  --green:#00C896; --red:#FF4560; --orange:#FF6B35;
  --card-bg:#0F1C35; --sidebar-bg:#0B1426;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{background:var(--navy);color:var(--text);font-family:'Inter',sans-serif;overflow-x:hidden;}
h1,h2,h3,.logo{font-family:'Playfair Display',serif;}
em{font-style:normal;color:var(--gold);}
p{line-height:1.7;color:var(--muted);}
a{color:inherit;text-decoration:none;}

/* ── NAVBAR ── */
.navbar{position:fixed;top:0;left:0;right:0;z-index:200;background:rgba(11,20,38,0.95);backdrop-filter:blur(20px);border-bottom:1px solid rgba(201,168,76,0.1);}
.nav-container{max-width:1280px;margin:0 auto;padding:1rem 2rem;display:flex;align-items:center;gap:2rem;}
.logo{font-size:1.8rem;font-weight:700;color:var(--gold);letter-spacing:1px;}
.logo span{color:var(--text);}
.nav-links{display:flex;gap:2.5rem;list-style:none;margin-left:auto;}
.nav-links a{color:var(--muted);font-size:.85rem;letter-spacing:.5px;text-transform:uppercase;transition:color .3s;}
.nav-links a:hover{color:var(--gold);}
.nav-cta{display:flex;gap:.75rem;margin-left:1.5rem;}
.nav-toggle{display:none;background:none;border:none;color:var(--text);font-size:1.5rem;cursor:pointer;}

/* ── BUTTONS ── */
.btn-primary,.btn-outline,.btn-gold,.btn-full,.btn-blue{display:inline-block;padding:.7rem 1.8rem;border-radius:6px;font-family:'Inter',sans-serif;font-size:.85rem;letter-spacing:.5px;cursor:pointer;transition:all .3s;font-weight:600;}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#0B1426;border:none;}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,.35);}
.btn-outline{background:transparent;border:1px solid var(--gold);color:var(--gold);}
.btn-outline:hover{background:var(--gold);color:#0B1426;}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#0B1426;border:none;}
.btn-blue{background:var(--blue);color:#fff;border:none;}
.btn-blue:hover{background:var(--blue-light);transform:translateY(-2px);}
.btn-full{width:100%;padding:1rem;font-size:.95rem;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#0B1426;border:none;border-radius:8px;}
.btn-full:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.3);}

/* ── HERO SLIDER ── */
.hero-slider{position:relative;height:100vh;overflow:hidden;}
.slides{height:100%;}
.slide{position:absolute;inset:0;display:flex;align-items:center;opacity:0;transition:opacity .8s ease;background:var(--navy) center/cover no-repeat;}
.slide.active{opacity:1;z-index:1;}
.slide-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(11,20,38,.92) 0%,rgba(11,20,38,.65) 100%);}
.slide-content{position:relative;z-index:2;max-width:680px;margin-left:8%;padding-top:5rem;}
.slide-label{display:inline-block;padding:.35rem 1rem;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.3);border-radius:20px;font-size:.78rem;color:var(--gold);letter-spacing:2px;text-transform:uppercase;margin-bottom:1.5rem;}
.slide-content h1{font-size:3.8rem;font-weight:700;line-height:1.1;margin-bottom:1.2rem;color:#fff;}
.slide-content h1 span{color:var(--gold);}
.slide-content p{font-size:1.05rem;color:rgba(255,255,255,.72);margin-bottom:2rem;max-width:520px;}
.slide-actions{display:flex;gap:1rem;flex-wrap:wrap;}
.slider-btn{position:absolute;top:50%;transform:translateY(-50%);z-index:10;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.25);color:var(--gold);width:50px;height:50px;border-radius:50%;cursor:pointer;font-size:1.2rem;transition:all .3s;display:flex;align-items:center;justify-content:center;}
.slider-btn:hover{background:var(--gold);color:#0B1426;}
.slider-btn.prev{left:2rem;} .slider-btn.next{right:2rem;}
.slider-dots{position:absolute;bottom:2.5rem;left:50%;transform:translateX(-50%);display:flex;gap:.6rem;z-index:10;}
.dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.3);cursor:pointer;transition:all .3s;}
.dot.active{background:var(--gold);width:28px;border-radius:4px;}

/* ── SECTIONS ── */
.section{padding:5.5rem 0;}
.container{max-width:1200px;margin:0 auto;padding:0 2rem;}
.section-label{font-size:.78rem;color:var(--gold);text-transform:uppercase;letter-spacing:3px;margin-bottom:.75rem;}
.section-header{margin-bottom:3rem;}
.section-header h2{font-size:2.5rem;font-weight:600;margin-bottom:.75rem;}
.section-header p{max-width:540px;}
.section-header.center{text-align:center;}
.section-header.center p{margin:0 auto;}
.bg-navy2{background:var(--navy2);}

/* ── ACCOUNT CARDS ── */
.accounts-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}
.account-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:2rem;transition:all .3s;}
.account-card:hover{border-color:rgba(201,168,76,.3);transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,.3);}
.acc-icon{font-size:2rem;margin-bottom:1.2rem;}
.account-card h3{font-size:1.3rem;margin-bottom:.6rem;color:var(--text);}
.account-card p{font-size:.9rem;margin-bottom:1rem;}
.link-gold{color:var(--gold);font-size:.88rem;font-weight:600;}
.link-gold:hover{text-decoration:underline;}

/* ── FEATURES ── */
.features-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;}
.feature-item{background:var(--navy3);border:1px solid var(--border);border-radius:14px;overflow:hidden;transition:all .3s;}
.feature-item:hover{border-color:rgba(201,168,76,.2);}
.fi-img{height:160px;background:var(--navy4);display:flex;align-items:center;justify-content:center;font-size:3rem;}
.fi-content{padding:1.5rem;}
.fi-content h3{font-size:1.2rem;margin-bottom:.6rem;color:var(--text);}

/* ── EASE ── */
.ease-grid{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center;margin-top:2.5rem;}
.ease-item{background:var(--navy3);border:1px solid var(--border);border-radius:12px;padding:1.2rem 1.8rem;display:flex;flex-direction:column;align-items:center;gap:.6rem;cursor:pointer;transition:all .3s;}
.ease-item:hover{border-color:var(--gold);transform:translateY(-3px);}
.ease-icon{font-size:1.8rem;}
.ease-item span{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px;}

/* ── APP SECTION ── */
.app-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center;}
.app-btns{display:flex;gap:1rem;margin-top:2rem;}
.app-store-btn{display:flex;align-items:center;gap:.6rem;padding:.85rem 1.5rem;background:rgba(201,168,76,.08);border:1px solid rgba(201,168,76,.25);color:var(--gold);border-radius:8px;font-size:.9rem;transition:all .3s;}
.app-store-btn:hover{background:var(--gold);color:#0B1426;}
.app-stats{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem;}
.app-stat{background:var(--navy3);border:1px solid var(--border);border-radius:12px;padding:1.5rem;text-align:center;}
.as-num{font-family:'Playfair Display',serif;font-size:2rem;color:var(--gold);}
.as-label{font-size:.8rem;color:var(--muted);margin-top:.3rem;}

/* ── PAGE HERO ── */
.page-hero{padding:8rem 0 4rem;background:linear-gradient(135deg,var(--navy2),var(--navy3));border-bottom:1px solid var(--border);}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:1rem;}
.breadcrumb a{color:var(--gold);}
.page-hero h1{max-width:700px;font-size:3rem;}
.page-hero p{margin-top:1rem;}

/* ── ABOUT ── */
.about-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:5rem;align-items:start;}
.about-content p{margin-bottom:1rem;}
.about-img-box{background:var(--navy3);border:1px solid rgba(201,168,76,.15);border-radius:16px;aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;text-align:center;}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem;}
.value-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:1.8rem;transition:all .3s;}
.value-card:hover{border-color:rgba(201,168,76,.25);}
.vc-icon{font-size:1.8rem;margin-bottom:1rem;}
.value-card h4{font-size:1rem;margin-bottom:.5rem;color:var(--text);}
.vmv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}
.vmv-card{background:var(--navy3);border:1px solid var(--border);border-radius:16px;padding:2rem;transition:all .3s;}
.vmv-card.featured{border-color:var(--gold);background:linear-gradient(135deg,rgba(201,168,76,.05),var(--navy3));}
.vmv-icon{font-size:2rem;margin-bottom:1.2rem;}
.vmv-card h3{font-size:1.4rem;margin-bottom:.75rem;}

/* ── CONTACT ── */
.contact-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:4rem;}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem;}
.form-group{margin-bottom:1.3rem;}
label{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:.5rem;}
input,select,textarea{width:100%;padding:.9rem 1.1rem;background:var(--navy3);border:1px solid var(--border);border-radius:8px;color:var(--text);font-family:'Inter',sans-serif;font-size:.95rem;outline:none;transition:border-color .3s;}
input:focus,select:focus,textarea:focus{border-color:var(--gold);}
input::placeholder,textarea::placeholder{color:var(--muted);}
select option{background:var(--navy2);}
textarea{resize:vertical;min-height:120px;}
.ci-card{display:flex;gap:1rem;background:var(--navy3);border:1px solid var(--border);border-radius:12px;padding:1.2rem;margin-bottom:.8rem;}
.ci-icon{font-size:1.5rem;flex-shrink:0;}
.ci-card h4{font-size:.9rem;margin-bottom:.3rem;color:var(--text);}

/* ── BRANCH ── */
.branch-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;}
.branch-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:1.8rem;transition:all .3s;}
.branch-card:hover{border-color:rgba(201,168,76,.3);}
.bc-header{display:flex;align-items:center;gap:1rem;margin-bottom:1.2rem;}
.bc-header h3{font-size:1.15rem;}
.bc-row{display:flex;align-items:center;gap:.6rem;font-size:.88rem;color:var(--muted);margin-bottom:.5rem;}

/* ── FOOTER ── */
.site-footer{background:var(--navy2);padding:5rem 0 0;border-top:1px solid var(--border);}
.footer-grid{max-width:1200px;margin:0 auto;padding:0 2rem;display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1.2fr;gap:3rem;}
.footer-brand .logo{font-size:1.5rem;display:block;margin-bottom:1rem;}
.footer-col h4{font-size:.78rem;text-transform:uppercase;letter-spacing:2px;color:var(--text);margin-bottom:1.2rem;}
.footer-col ul{list-style:none;}
.footer-col ul li{margin-bottom:.6rem;}
.footer-col ul li a,.footer-col p{color:var(--muted);font-size:.88rem;}
.footer-col ul li a:hover{color:var(--gold);}
.footer-bottom{max-width:1200px;margin:3rem auto 0;padding:1.5rem 2rem;display:flex;justify-content:space-between;border-top:1px solid var(--border);}
.footer-bottom p,.footer-bottom a{color:var(--muted);font-size:.82rem;}
.footer-bottom a:hover{color:var(--gold);}

/* ── AUTH ── */
.auth-body{min-height:100vh;display:flex;}
.auth-wrap{display:flex;min-height:100vh;width:100%;}
.auth-left{flex:1;background:linear-gradient(135deg,var(--navy2),var(--navy3));display:flex;flex-direction:column;justify-content:center;align-items:center;padding:4rem;position:relative;overflow:hidden;}
.auth-left::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 30% 40%,rgba(201,168,76,.07) 0%,transparent 60%),radial-gradient(circle at 80% 80%,rgba(26,86,219,.05) 0%,transparent 50%);}
.auth-left-grid{position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,.035) 1px,transparent 1px);background-size:50px 50px;}
.auth-brand{position:relative;z-index:2;text-align:center;}
.auth-brand .logo{font-size:2.5rem;display:block;margin-bottom:.75rem;}
.auth-card-mockup{position:relative;z-index:2;margin-top:3rem;background:linear-gradient(135deg,var(--navy3),var(--navy4));border:1px solid rgba(201,168,76,.2);border-radius:20px;padding:2rem;width:300px;box-shadow:0 40px 80px rgba(0,0,0,.5);}
.card-logo-text{font-family:'Playfair Display',serif;font-size:1.2rem;color:var(--gold);text-align:right;margin-bottom:1rem;}
.card-chip{width:36px;height:26px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:5px;margin-bottom:1.5rem;}
.card-num{font-size:1.1rem;letter-spacing:4px;margin-bottom:1.5rem;color:var(--text);}
.card-row-wrap{display:flex;justify-content:space-between;}
.cr-label{font-size:.7rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px;}
.cr-val{font-size:.85rem;margin-top:.2rem;}
.perks{position:relative;z-index:2;margin-top:3rem;display:flex;flex-direction:column;gap:1.2rem;}
.perk{display:flex;align-items:center;gap:1rem;}
.perk-icon{width:40px;height:40px;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.2);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;}
.perk h4{font-size:.9rem;margin-bottom:.2rem;}
.auth-right{width:510px;display:flex;flex-direction:column;justify-content:center;padding:4rem;background:var(--navy);overflow-y:auto;}
.auth-right h2{font-size:2.5rem;font-weight:600;margin-bottom:.5rem;}
.auth-right>p{color:var(--muted);margin-bottom:2rem;}
.auth-links{text-align:center;margin-top:1.2rem;color:var(--muted);font-size:.9rem;}
.auth-links a{color:var(--gold);}
.pwd-strength{height:4px;background:rgba(255,255,255,.07);border-radius:2px;margin-top:.5rem;overflow:hidden;}
.pwd-bar{height:100%;width:0;transition:width .4s,background .4s;border-radius:2px;}

/* ── OTP ── */
.otp-inputs{display:flex;gap:.75rem;justify-content:center;margin:1.5rem 0;}
.otp-inputs input{width:52px;height:60px;text-align:center;font-size:1.5rem;font-weight:700;border-radius:10px;padding:0;}

/* ── ALERTS ── */
.alert{padding:.9rem 1.1rem;border-radius:8px;font-size:.88rem;margin-bottom:1.2rem;}
.alert.error{background:rgba(255,69,96,.08);border:1px solid rgba(255,69,96,.25);color:#FF6B80;}
.alert.success{background:rgba(0,200,150,.08);border:1px solid rgba(0,200,150,.25);color:#00D4A0;}

/* ── DASHBOARD LAYOUT ── */
.dash-body{display:flex;min-height:100vh;}
.sidebar{width:260px;background:var(--sidebar-bg);border-right:1px solid var(--border);display:flex;flex-direction:column;padding:0;position:fixed;top:0;left:0;height:100vh;overflow-y:auto;z-index:100;}
.sidebar-logo{padding:1.5rem 1.5rem 1.2rem;font-size:1.5rem;font-weight:700;color:var(--gold);letter-spacing:1px;border-bottom:1px solid var(--border);}
.sidebar-logo span{color:var(--text);}
.sidebar-section{padding:.75rem 1.5rem .4rem;font-size:.7rem;text-transform:uppercase;letter-spacing:2px;color:rgba(122,144,184,.5);}
.nav-item{display:flex;align-items:center;gap:.85rem;padding:.8rem 1.5rem;transition:all .2s;color:var(--muted);font-size:.88rem;text-decoration:none;border-left:3px solid transparent;cursor:pointer;}
.nav-item:hover{background:rgba(255,255,255,.03);color:var(--text);}
.nav-item.active{background:rgba(201,168,76,.07);color:var(--gold);border-left-color:var(--gold);}
.nav-icon{font-size:1rem;width:22px;text-align:center;}
.nav-badge{margin-left:auto;background:var(--red);color:#fff;font-size:.65rem;padding:.15rem .45rem;border-radius:10px;font-weight:700;}
.sidebar-bottom{margin-top:auto;padding:1.2rem 1.5rem;border-top:1px solid var(--border);}
.sidebar-user{display:flex;align-items:center;gap:.75rem;margin-bottom:1rem;}
.user-avatar{width:38px;height:38px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:#0B1426;font-size:.95rem;flex-shrink:0;}
.user-info-name{font-size:.88rem;font-weight:600;}
.user-info-role{font-size:.72rem;color:var(--muted);}
.logout-link{display:flex;align-items:center;gap:.5rem;color:var(--red);font-size:.85rem;transition:opacity .2s;}
.logout-link:hover{opacity:.7;}

.dash-main{margin-left:260px;flex:1;padding:2rem 2.5rem;min-height:100vh;}
.dash-topbar{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:2rem;padding-bottom:1.5rem;border-bottom:1px solid var(--border);}
.dash-title{font-family:'Playfair Display',serif;font-size:1.9rem;}
.dash-title span{color:var(--gold);}
.dash-sub{color:var(--muted);font-size:.85rem;margin-top:.25rem;}

/* ── BALANCE CARDS ── */
.balance-row{display:grid;grid-template-columns:2fr 1fr 1fr;gap:1.3rem;margin-bottom:1.5rem;}
.balance-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;padding:1.6rem;position:relative;overflow:hidden;}
.balance-card.main-card{border-color:rgba(201,168,76,.25);background:linear-gradient(135deg,var(--navy3),var(--navy4));}
.balance-card::before{content:'';position:absolute;top:-40%;right:-10%;width:180px;height:180px;background:radial-gradient(circle,rgba(201,168,76,.05) 0%,transparent 70%);}
.bc-label{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:.6rem;}
.bc-value{font-family:'Playfair Display',serif;font-size:2.2rem;font-weight:600;}
.bc-value.gold{color:var(--gold);}
.bc-value.green{color:var(--green);}
.bc-acc{font-size:.8rem;color:var(--muted);margin-top:.4rem;}
.bc-badge{display:inline-flex;align-items:center;gap:.3rem;padding:.22rem .6rem;border-radius:10px;font-size:.72rem;margin-top:.5rem;}
.bc-badge.up{background:rgba(0,200,150,.1);color:var(--green);}
.bc-badge.pending{background:rgba(201,168,76,.1);color:var(--gold);}

/* ── ACTION BUTTONS ── */
.action-row{display:flex;gap:1rem;margin-bottom:1.5rem;}
.action-btn{flex:1;display:flex;align-items:center;justify-content:center;gap:.6rem;padding:.95rem;border:none;border-radius:10px;cursor:pointer;font-family:'Inter',sans-serif;font-size:.85rem;font-weight:600;transition:all .25s;text-transform:uppercase;letter-spacing:.5px;}
.action-btn.crypto{background:linear-gradient(135deg,#1A2A5E,#243580);color:#7B9AFF;border:1px solid rgba(123,154,255,.2);}
.action-btn.crypto:hover{background:linear-gradient(135deg,#243580,#2D44A0);transform:translateY(-2px);}
.action-btn.transfer{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#0B1426;}
.action-btn.transfer:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(201,168,76,.3);}
.action-btn.deposit{background:rgba(0,200,150,.08);color:var(--green);border:1px solid rgba(0,200,150,.2);}
.action-btn.deposit:hover{background:rgba(0,200,150,.15);transform:translateY(-2px);}

/* ── DASH BOTTOM GRID ── */
.dash-bottom{display:grid;grid-template-columns:1.6fr 1fr;gap:1.3rem;}
.dash-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;padding:1.5rem;}
.dc-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.2rem;}
.dc-header h3{font-size:.95rem;font-weight:600;}
.dc-header a{color:var(--gold);font-size:.8rem;}
.tx-item{display:flex;align-items:center;gap:.9rem;padding:.75rem 0;border-bottom:1px solid rgba(255,255,255,.04);}
.tx-item:last-child{border-bottom:none;}
.tx-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:.9rem;flex-shrink:0;}
.tx-icon.in,.tx-icon.deposit,.tx-icon.bank_deposit{background:rgba(0,200,150,.1);}
.tx-icon.out,.tx-icon.transfer{background:rgba(255,69,96,.1);}
.tx-icon.crypto{background:rgba(123,154,255,.1);}
.tx-icon.pending{background:rgba(201,168,76,.1);}
.tx-name{font-size:.88rem;font-weight:500;}
.tx-date{font-size:.75rem;color:var(--muted);}
.tx-amount{font-size:.9rem;font-weight:700;margin-left:auto;white-space:nowrap;}
.tx-amount.in,.tx-amount.deposit,.tx-amount.bank_deposit{color:var(--green);}
.tx-amount.out,.tx-amount.transfer{color:var(--red);}
.tx-status{font-size:.72rem;padding:.15rem .5rem;border-radius:6px;margin-left:.5rem;}
.tx-status.pending{background:rgba(201,168,76,.12);color:var(--gold);}
.tx-status.completed{background:rgba(0,200,150,.1);color:var(--green);}
.tx-status.rejected{background:rgba(255,69,96,.1);color:var(--red);}
.info-rows{display:flex;flex-direction:column;gap:.7rem;}
.info-row{display:flex;justify-content:space-between;align-items:center;padding:.8rem 1rem;background:var(--navy3);border-radius:8px;font-size:.85rem;}
.info-row span:first-child{color:var(--muted);}
.empty-state{text-align:center;padding:2.5rem;color:var(--muted);font-size:.9rem;}

/* ── CHAT WIDGET ── */
.chat-widget{position:fixed;bottom:2rem;right:2rem;z-index:500;}
.chat-trigger{width:56px;height:56px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border:none;border-radius:50%;cursor:pointer;font-size:1.4rem;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 24px rgba(201,168,76,.4);transition:all .3s;}
.chat-trigger:hover{transform:scale(1.1);}
.chat-unread{position:absolute;top:-4px;right:-4px;background:var(--red);color:#fff;font-size:.65rem;padding:.15rem .4rem;border-radius:10px;font-weight:700;}
.chat-box{display:none;position:absolute;bottom:70px;right:0;width:340px;background:var(--navy2);border:1px solid var(--border);border-radius:16px;overflow:hidden;box-shadow:0 20px 60px rgba(0,0,0,.5);}
.chat-box.open{display:flex;flex-direction:column;}
.chat-header{padding:1rem 1.2rem;background:var(--navy3);border-bottom:1px solid var(--border);display:flex;align-items:center;justify-content:space-between;}
.chat-header h4{font-size:.95rem;font-weight:600;}
.chat-header span{color:var(--green);font-size:.78rem;}
.chat-messages{flex:1;overflow-y:auto;padding:1rem;max-height:280px;display:flex;flex-direction:column;gap:.6rem;}
.chat-msg{max-width:80%;padding:.7rem 1rem;border-radius:12px;font-size:.85rem;line-height:1.5;}
.chat-msg.user{background:linear-gradient(135deg,var(--blue),var(--blue-light));color:#fff;margin-left:auto;border-bottom-right-radius:4px;}
.chat-msg.admin{background:var(--navy3);color:var(--text);border-bottom-left-radius:4px;}
.chat-msg .msg-time{font-size:.7rem;opacity:.6;margin-top:.3rem;}
.chat-input-row{display:flex;gap:.6rem;padding:.8rem;border-top:1px solid var(--border);}
.chat-input-row input{flex:1;padding:.6rem .9rem;background:var(--navy3);border:1px solid var(--border);border-radius:8px;color:var(--text);font-size:.88rem;outline:none;}
.chat-send-btn{background:var(--gold);border:none;border-radius:8px;padding:.6rem .9rem;cursor:pointer;color:#0B1426;font-size:1rem;}

/* ── ADMIN STYLES ── */
.stats-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem;margin-bottom:1.5rem;}
.stat-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;padding:1.5rem;}
.sc-label{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:1px;margin-bottom:.6rem;}
.sc-value{font-family:'Playfair Display',serif;font-size:2rem;font-weight:600;}
.sc-value.gold{color:var(--gold);}.sc-value.green{color:var(--green);}.sc-value.blue{color:#7B9AFF;}.sc-value.orange{color:var(--orange);}
.section-tabs{display:flex;gap:.5rem;margin-bottom:1.5rem;flex-wrap:wrap;}
.tab-btn{padding:.6rem 1.2rem;background:var(--card-bg);border:1px solid var(--border);border-radius:8px;color:var(--muted);cursor:pointer;font-family:'Inter',sans-serif;font-size:.85rem;transition:all .2s;}
.tab-btn.active{background:rgba(201,168,76,.08);border-color:rgba(201,168,76,.25);color:var(--gold);}
.admin-card{background:var(--card-bg);border:1px solid var(--border);border-radius:14px;padding:1.5rem;margin-bottom:1.5rem;}
.ac-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.3rem;flex-wrap:wrap;gap:.75rem;}
.ac-header h3{font-size:.95rem;font-weight:600;}
.search-input{padding:.65rem 1rem;background:var(--navy3);border:1px solid var(--border);border-radius:8px;color:var(--text);font-family:'Inter',sans-serif;font-size:.85rem;outline:none;width:240px;}
.search-input:focus{border-color:var(--gold);}
.table-wrap{overflow-x:auto;}
table{width:100%;border-collapse:collapse;}
thead th{font-size:.73rem;text-transform:uppercase;letter-spacing:1px;color:var(--muted);padding:.65rem 1rem;text-align:left;border-bottom:1px solid var(--border);}
tbody tr{transition:background .2s;}
tbody tr:hover{background:rgba(255,255,255,.02);}
tbody td{padding:.85rem 1rem;font-size:.87rem;border-bottom:1px solid rgba(255,255,255,.03);}
tbody tr:last-child td{border-bottom:none;}
.user-cell{display:flex;align-items:center;gap:.7rem;}
.user-av{width:34px;height:34px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;color:#0B1426;font-size:.85rem;flex-shrink:0;}
.status-badge{padding:.22rem .65rem;border-radius:10px;font-size:.75rem;font-weight:600;}
.status-badge.active{background:rgba(0,200,150,.1);color:var(--green);}
.status-badge.suspended{background:rgba(255,69,96,.1);color:var(--red);}
.status-badge.pending{background:rgba(201,168,76,.1);color:var(--gold);}
.action-btns{display:flex;gap:.4rem;flex-wrap:wrap;}
.action-btn-sm{padding:.3rem .75rem;border:none;border-radius:6px;cursor:pointer;font-size:.75rem;font-family:'Inter',sans-serif;transition:all .2s;font-weight:600;}
.btn-fund{background:rgba(123,154,255,.1);color:#7B9AFF;border:1px solid rgba(123,154,255,.2);}
.btn-suspend{background:rgba(255,69,96,.1);color:var(--red);border:1px solid rgba(255,69,96,.2);}
.btn-activate{background:rgba(0,200,150,.1);color:var(--green);border:1px solid rgba(0,200,150,.2);}
.btn-pin{background:rgba(201,168,76,.1);color:var(--gold);border:1px solid rgba(201,168,76,.2);}
.btn-chat-sm{background:rgba(255,255,255,.06);color:var(--text);border:1px solid var(--border);}
.pending-badge{display:inline-flex;align-items:center;gap:.3rem;background:rgba(201,168,76,.1);border:1px solid rgba(201,168,76,.2);color:var(--gold);padding:.3rem .8rem;border-radius:20px;font-size:.78rem;font-weight:600;}

/* ── MODAL ── */
.modal-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.75);z-index:1000;align-items:center;justify-content:center;backdrop-filter:blur(5px);}
.modal-overlay.open{display:flex;}
.modal{background:var(--navy2);border:1px solid rgba(201,168,76,.2);border-radius:20px;padding:2.5rem;width:480px;max-width:94vw;position:relative;max-height:90vh;overflow-y:auto;}
.modal h3{font-size:1.7rem;margin-bottom:.4rem;}
.modal>p.modal-sub{color:var(--muted);margin-bottom:1.5rem;font-size:.9rem;}
.modal-close{position:absolute;top:1.2rem;right:1.5rem;background:none;border:none;color:var(--muted);font-size:1.2rem;cursor:pointer;}
.modal .form-group{margin-bottom:1.1rem;}
.modal-btns{display:flex;gap:1rem;margin-top:1.3rem;}
.modal-btns button{flex:1;padding:.9rem;border:none;border-radius:8px;cursor:pointer;font-family:'Inter',sans-serif;font-weight:600;font-size:.88rem;transition:all .2s;}
.btn-cancel{background:rgba(255,255,255,.06);color:var(--muted);}
.btn-confirm{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#0B1426;}
.btn-confirm.blue{background:var(--blue);color:#fff;}
.btn-confirm.green{background:var(--green);color:#0B1426;}
.btn-confirm.red{background:var(--red);color:#fff;}
.crypto-opts{display:grid;grid-template-columns:repeat(3,1fr);gap:.6rem;margin-bottom:1.2rem;}
.crypto-opt{padding:.7rem .5rem;background:var(--navy3);border:1px solid var(--border);border-radius:9px;text-align:center;cursor:pointer;font-size:.83rem;transition:all .2s;}
.crypto-opt:hover,.crypto-opt.selected{border-color:var(--gold);background:rgba(201,168,76,.08);color:var(--gold);}
.pin-display{text-align:center;font-size:2.5rem;font-weight:700;letter-spacing:10px;color:var(--gold);background:var(--navy3);padding:1.2rem;border-radius:10px;margin:1rem 0;border:1px solid rgba(201,168,76,.2);}

/* ── ADMIN CHAT PANEL ── */
.admin-chat-wrap{display:grid;grid-template-columns:280px 1fr;gap:0;height:500px;border-radius:14px;overflow:hidden;border:1px solid var(--border);}
.chat-list{background:var(--navy2);border-right:1px solid var(--border);overflow-y:auto;}
.chat-list-item{padding:1rem 1.2rem;border-bottom:1px solid var(--border);cursor:pointer;transition:background .2s;}
.chat-list-item:hover,.chat-list-item.active{background:rgba(201,168,76,.06);}
.cli-name{font-size:.9rem;font-weight:600;margin-bottom:.2rem;}
.cli-preview{font-size:.78rem;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
.cli-unread{background:var(--red);color:#fff;font-size:.65rem;padding:.15rem .45rem;border-radius:10px;float:right;margin-top:-18px;}
.chat-panel{display:flex;flex-direction:column;background:var(--card-bg);}
.chat-panel-header{padding:1rem 1.5rem;border-bottom:1px solid var(--border);background:var(--navy3);}
.chat-panel-messages{flex:1;overflow-y:auto;padding:1rem 1.5rem;display:flex;flex-direction:column;gap:.6rem;}
.chat-panel-input{display:flex;gap:.6rem;padding:.8rem 1rem;border-top:1px solid var(--border);}
.chat-panel-input input{flex:1;padding:.7rem 1rem;background:var(--navy3);border:1px solid var(--border);border-radius:8px;color:var(--text);font-size:.88rem;outline:none;}
.chat-panel-input button{background:var(--gold);border:none;border-radius:8px;padding:.7rem 1.2rem;cursor:pointer;color:#0B1426;font-weight:700;}

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;gap:2rem;}
  .accounts-grid,.features-grid,.values-grid,.vmv-grid{grid-template-columns:1fr 1fr;}
  .app-grid{grid-template-columns:1fr;}
  .balance-row,.stats-row{grid-template-columns:1fr 1fr;}
  .dash-bottom{grid-template-columns:1fr;}
}
@media(max-width:768px){
  .sidebar{display:none;}
  .dash-main{margin-left:0;padding:1.2rem;}
  .auth-left{display:none;}
  .auth-right{width:100%;padding:2rem;}
  .accounts-grid,.features-grid,.values-grid,.vmv-grid,.branch-grid{grid-template-columns:1fr;}
  .about-grid,.contact-grid{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;padding:0 1.5rem;}
  .footer-bottom{flex-direction:column;gap:.5rem;text-align:center;}
  .action-row{flex-direction:column;}
  .stats-row{grid-template-columns:1fr 1fr;}
  .balance-row{grid-template-columns:1fr;}
  .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy2);padding:1rem 2rem;flex-direction:column;gap:1rem;border-bottom:1px solid var(--border);}
  .nav-links.open{display:flex;}
  .nav-toggle{display:block;margin-left:auto;}
  .slide-content h1{font-size:2.2rem;}
  .admin-chat-wrap{grid-template-columns:1fr;height:auto;}
}

/* ── PAGE HERO ── */
.page-hero{padding:9rem 2rem 4rem;background:var(--navy2);border-bottom:1px solid var(--border);}
.page-hero .container{max-width:1280px;margin:0 auto;}
.page-hero h1{font-size:3rem;margin:.5rem 0 1rem;}
.page-hero p{font-size:1.05rem;max-width:600px;}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:.5rem;}
.breadcrumb a{color:var(--gold);}

/* ── ABOUT ── */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;}
.about-img-box{background:var(--navy3);border:1px solid var(--border);border-radius:16px;}
.vmv-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem;}
.vmv-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:2rem;transition:border-color .3s;}
.vmv-card.featured{border-color:var(--gold);}
.vmv-card:hover{border-color:var(--gold);}
.vmv-icon{font-size:2rem;margin-bottom:1rem;}
.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.5rem;}
.value-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:1.8rem;transition:border-color .3s;}
.value-card:hover{border-color:var(--gold);}
.vc-icon{font-size:2rem;margin-bottom:.8rem;}
.value-card h4{margin-bottom:.5rem;color:var(--text);}

/* ── CONTACT ── */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;}
.ci-card{display:flex;gap:1rem;align-items:flex-start;padding:1.2rem;background:var(--navy3);border:1px solid var(--border);border-radius:10px;margin-bottom:1rem;}
.ci-icon{font-size:1.5rem;flex-shrink:0;}
.ci-card h4{color:var(--text);margin-bottom:.2rem;}
.alert-success{background:rgba(0,200,150,.1);border:1px solid rgba(0,200,150,.3);color:var(--green);padding:1rem 1.2rem;border-radius:8px;margin-bottom:1.5rem;}
.alert-error{background:rgba(255,69,96,.1);border:1px solid rgba(255,69,96,.3);color:var(--red);padding:1rem 1.2rem;border-radius:8px;margin-bottom:1.5rem;}

/* ── BRANCH ── */
.branch-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem;}
.branch-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:1.8rem;transition:border-color .3s;position:relative;}
.branch-card:hover{border-color:var(--gold);}
.branch-icon{font-size:2rem;margin-bottom:1rem;}
.branch-card h3{color:var(--text);margin-bottom:1rem;}
.branch-detail{display:flex;gap:.7rem;margin-bottom:.6rem;font-size:.88rem;}
.branch-detail span{flex-shrink:0;}

/* ── SERVICES ── */
.accounts-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem;}
.account-card{background:var(--navy3);border:1px solid var(--border);border-radius:14px;padding:2rem;transition:border-color .3s;position:relative;}
.account-card:hover{border-color:var(--gold);}
.featured-acc{border-color:var(--gold);}
.acc-icon{font-size:2.5rem;margin-bottom:1rem;}
.account-card h3{color:var(--text);margin-bottom:.7rem;}
.srv-list{list-style:none;margin-top:1rem;display:flex;flex-direction:column;gap:.4rem;}
.srv-list li{font-size:.85rem;color:var(--muted);}

/* ── LEGAL PAGES ── */
.legal-wrap{display:grid;grid-template-columns:220px 1fr;gap:3rem;align-items:start;}
.legal-toc{background:var(--navy3);border:1px solid var(--border);border-radius:12px;padding:1.5rem;position:sticky;top:90px;}
.legal-toc h4{color:var(--gold);margin-bottom:1rem;font-size:.9rem;letter-spacing:1px;text-transform:uppercase;}
.legal-toc ul{list-style:none;display:flex;flex-direction:column;gap:.6rem;}
.legal-toc a{color:var(--muted);font-size:.85rem;transition:color .2s;}
.legal-toc a:hover{color:var(--gold);}
.legal-body h3{color:var(--gold);font-size:1.1rem;margin:2.5rem 0 .8rem;padding-top:1rem;border-top:1px solid var(--border);}
.legal-body h3:first-of-type{border-top:none;margin-top:1.5rem;}
.legal-body p{margin-bottom:.8rem;}
.legal-list{list-style:none;margin:.8rem 0;display:flex;flex-direction:column;gap:.5rem;}
.legal-list li{padding:.5rem .8rem;background:var(--navy3);border-left:3px solid var(--gold);border-radius:0 6px 6px 0;font-size:.9rem;color:var(--muted);}
.legal-list strong{color:var(--text);}

/* ── TRANSACTIONS TABLE ── */
.tx-table{width:100%;border-collapse:collapse;}
.tx-table th{text-align:left;padding:.8rem 1rem;font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;border-bottom:1px solid var(--border);}
.tx-table td{padding:.9rem 1rem;border-bottom:1px solid rgba(255,255,255,.04);font-size:.88rem;}
.tx-row:hover{background:rgba(255,255,255,.02);}
.tx-badge{display:inline-block;padding:.25rem .7rem;border-radius:20px;font-size:.75rem;font-weight:600;}
.tx-badge.green{background:rgba(0,200,150,.12);color:var(--green);}
.tx-badge.red{background:rgba(255,69,96,.12);color:var(--red);}
.tx-badge.blue{background:rgba(26,86,219,.15);color:#7B9AFF;}
.tx-badge.orange{background:rgba(255,107,53,.12);color:var(--orange);}
.tx-badge.muted{background:rgba(122,144,184,.12);color:var(--muted);}

/* ── RESPONSIVE ── */
@media(max-width:900px){
  .about-grid,.contact-grid,.legal-wrap{grid-template-columns:1fr;}
  .legal-toc{position:static;}
  .page-hero h1{font-size:2rem;}
}

/* ══ MOBILE COMPLETE OVERHAUL ══════════════════════════════ */
@media(max-width:768px){

  /* NAVBAR */
  .nav-container{flex-wrap:wrap;padding:.8rem 1rem;gap:.5rem;}
  .logo{font-size:1.5rem;}
  .nav-toggle{display:block;margin-left:auto;order:2;}
  .nav-cta{order:3;width:100%;display:none;flex-direction:column;gap:.5rem;padding:.5rem 0 1rem;}
  .nav-cta.open{display:flex;}
  .nav-cta .btn-outline,.nav-cta .btn-primary{text-align:center;padding:.75rem;width:100%;}
  .nav-links{order:4;width:100%;display:none;flex-direction:column;gap:0;padding:0;border-top:1px solid var(--border);}
  .nav-links.open{display:flex;}
  .nav-links li{border-bottom:1px solid rgba(255,255,255,.04);}
  .nav-links a{display:block;padding:.9rem 1rem;font-size:.9rem;}

  /* HERO */
  .hero-slider{height:85vh;min-height:480px;}
  .slide-content{margin-left:5%;margin-right:5%;padding-top:4rem;}
  .slide-content h1{font-size:1.9rem;line-height:1.2;}
  .slide-content p{font-size:.88rem;}
  .slide-actions{flex-direction:column;gap:.75rem;}
  .slide-actions a{text-align:center;display:block;}

  /* SECTIONS */
  .section{padding:3rem 1rem;}
  .container{padding:0 1rem;}
  .section-header h2{font-size:1.7rem;}

  /* PAGE HERO */
  .page-hero{padding:7rem 1rem 2.5rem;}
  .page-hero h1{font-size:1.8rem;}

  /* CARDS */
  .account-card,.vmv-card,.value-card,.branch-card{padding:1.4rem;}
  .accounts-grid,.vmv-grid,.values-grid,.branch-grid{grid-template-columns:1fr;gap:1rem;}

  /* ABOUT */
  .about-grid{grid-template-columns:1fr;gap:2rem;}
  .about-img-box{display:none;}

  /* CONTACT */
  .contact-grid{grid-template-columns:1fr;gap:2rem;}

  /* LEGAL */
  .legal-wrap{grid-template-columns:1fr;gap:1.5rem;}
  .legal-toc{position:static;}

  /* STATS ROW */
  .app-grid{grid-template-columns:1fr;gap:2rem;}
  .app-stats{grid-template-columns:1fr 1fr;}

  /* EASE GRID */
  .ease-grid{grid-template-columns:repeat(3,1fr);}

  /* FOOTER */
  .footer-grid{grid-template-columns:1fr;gap:2rem;padding:2rem 1rem;}
  .footer-brand p{font-size:.85rem;}
  .footer-col{padding:0;}
  .footer-bottom{flex-direction:column;gap:.5rem;text-align:center;padding:1rem;}

  /* DASHBOARD */
  .sidebar{transform:translateX(-100%);transition:transform .3s;z-index:300;position:fixed;}
  .sidebar.mobile-open{transform:translateX(0);}
  .dash-main{margin-left:0 !important;padding:1rem;}
  .dash-header{flex-direction:column;gap:1rem;align-items:flex-start;}
  .dash-title{font-size:1.4rem;}
  .balance-row{grid-template-columns:1fr;}
  .stats-row{grid-template-columns:1fr 1fr;}
  .action-row{flex-direction:column;}
  .action-row button{width:100%;}
  .dash-bottom{grid-template-columns:1fr;}

  /* MODAL */
  .modal-box{margin:1rem;width:calc(100% - 2rem);max-height:90vh;overflow-y:auto;}
  .crypto-opts{grid-template-columns:repeat(2,1fr);}

  /* AUTH */
  .auth-left{display:none;}
  .auth-right{width:100%;padding:1.5rem;}
  .auth-card{padding:1.5rem;}

  /* ADMIN */
  .admin-chat-wrap{grid-template-columns:1fr;height:auto;}
  .admin-tabs{flex-wrap:wrap;gap:.4rem;}
  .tab-btn{font-size:.75rem;padding:.5rem .8rem;}

  /* TX TABLE */
  .tx-table{font-size:.78rem;}
  .tx-table th:nth-child(2),.tx-table td:nth-child(2){display:none;}
}

@media(max-width:480px){
  .slide-content h1{font-size:1.6rem;}
  .stats-row{grid-template-columns:1fr;}
  .ease-grid{grid-template-columns:repeat(2,1fr);}
  .app-stats{grid-template-columns:1fr 1fr;}
  .balance-card{padding:1.2rem;}
  .nav-links a{font-size:.88rem;}
  .page-hero h1{font-size:1.5rem;}
}

/* ── MOBILE TOPBAR (dashboard) ── */
.mobile-topbar{display:none;align-items:center;justify-content:space-between;padding:.8rem 1rem;background:var(--navy2);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;}
.mobile-menu-btn{background:none;border:1px solid var(--border);color:var(--text);padding:.4rem .8rem;border-radius:6px;cursor:pointer;font-size:1rem;}
.mobile-logo{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--gold);}
.mobile-logo span{color:var(--text);}
.mobile-logout{font-size:.8rem;color:var(--muted);}
.sidebar-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:299;}
@media(max-width:768px){
  .mobile-topbar{display:flex;}
  .sidebar-overlay{display:block;}
  .dash-main{padding-top:0 !important;}
}