/* ============================================
   PayGate Banking — Premium Banking Platform
   Theme: Light default with dark mode toggle
   Accent: Royal Blue #2563EB
   Fonts: Plus Jakarta Sans + Nunito
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&family=Nunito:wght@300;400;500;600;700&display=swap');

/* ---- CSS Variables ---- */
:root {
  --primary: #2563EB;
  --primary-dark: #1D4ED8;
  --primary-light: #3B82F6;
  --primary-bg: rgba(37,99,235,0.08);
  --accent: #2563EB;
  --success: #10B981;
  --danger: #EF4444;
  --warning: #F59E0B;
  --info: #06B6D4;

  /* Light theme */
  --bg-primary: #FFFFFF;
  --bg-secondary: #F8FAFC;
  --bg-tertiary: #F1F5F9;
  --bg-card: #FFFFFF;
  --bg-input: #F8FAFC;
  --text-primary: #0F172A;
  --text-secondary: #475569;
  --text-tertiary: #94A3B8;
  --border: #E2E8F0;
  --border-light: #F1F5F9;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.07), 0 2px 4px -2px rgba(0,0,0,0.05);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08), 0 4px 6px -4px rgba(0,0,0,0.04);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.08), 0 8px 10px -6px rgba(0,0,0,0.04);
  --navbar-bg: rgba(255,255,255,0.92);
  --navbar-blur: blur(12px);
}

[data-theme="dark"] {
  --bg-primary: #0F172A;
  --bg-secondary: #1E293B;
  --bg-tertiary: #334155;
  --bg-card: #1E293B;
  --bg-input: #334155;
  --text-primary: #F1F5F9;
  --text-secondary: #94A3B8;
  --text-tertiary: #64748B;
  --border: #334155;
  --border-light: #1E293B;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.4);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.4);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.5);
  --navbar-bg: rgba(15,23,42,0.92);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Nunito', sans-serif;
  background: var(--bg-secondary);
  color: var(--text-primary);
  line-height: 1.6;
  transition: background 0.3s, color 0.3s;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-primary);
}

a {
  color: var(--primary);
  text-decoration: none;
  transition: color 0.2s;
}
a:hover { color: var(--primary-dark); }

img { max-width: 100%; display: block; }

ul { list-style: none; }

button, input, select, textarea {
  font-family: 'Nunito', sans-serif;
  font-size: 1rem;
  border: none;
  outline: none;
}

/* ---- Demo Banner ---- */
.demo-banner {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  text-align: center;
  padding: 10px 20px;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  position: relative;
  z-index: 1001;
}
.demo-banner a {
  color: #fff;
  text-decoration: underline;
  font-weight: 700;
}
.demo-banner a:hover { opacity: 0.9; }

/* ---- Navbar ---- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--navbar-bg);
  backdrop-filter: var(--navbar-blur);
  -webkit-backdrop-filter: var(--navbar-blur);
  border-bottom: 1px solid var(--border);
  padding: 0 2rem;
  height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: background 0.3s;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--primary);
}
.navbar-brand svg { width: 36px; height: 36px; }

.navbar-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
}
.navbar-nav a {
  color: var(--text-secondary);
  font-weight: 600;
  font-size: 0.95rem;
  transition: color 0.2s;
  position: relative;
}
.navbar-nav a:hover,
.navbar-nav a.active {
  color: var(--primary);
}
.navbar-nav a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--primary);
  border-radius: 1px;
}

.navbar-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

/* Theme Toggle */
.theme-toggle {
  width: 44px;
  height: 24px;
  background: var(--bg-tertiary);
  border: 1px solid var(--border);
  border-radius: 12px;
  cursor: pointer;
  position: relative;
  transition: background 0.3s;
}
.theme-toggle::after {
  content: '';
  position: absolute;
  width: 18px;
  height: 18px;
  background: var(--primary);
  border-radius: 50%;
  top: 2px;
  left: 2px;
  transition: transform 0.3s;
}
[data-theme="dark"] .theme-toggle::after {
  transform: translateX(20px);
}
.theme-toggle-icon {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  font-size: 12px;
  line-height: 1;
}
.theme-toggle-icon.sun { left: 5px; }
.theme-toggle-icon.moon { right: 5px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
  background: none;
}
.hamburger span {
  width: 24px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: all 0.3s;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.25s ease;
  border: none;
  position: relative;
  overflow: hidden;
}
.btn::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(rgba(255,255,255,0.15), transparent);
  opacity: 0;
  transition: opacity 0.25s;
}
.btn:hover::before { opacity: 1; }
.btn:active { transform: scale(0.97); }

.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 4px 14px rgba(37,99,235,0.35);
}
.btn-primary:hover {
  background: var(--primary-dark);
  box-shadow: 0 6px 20px rgba(37,99,235,0.45);
  color: #fff;
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: #fff;
}

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

.btn-sm { padding: 8px 16px; font-size: 0.85rem; border-radius: 8px; }
.btn-lg { padding: 16px 32px; font-size: 1.1rem; border-radius: 12px; }
.btn-block { width: 100%; }

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

/* ---- Cards ---- */
.card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  transition: all 0.3s;
  box-shadow: var(--shadow-sm);
}
.card:hover {
  box-shadow: var(--shadow-md);
}
.card-elevated {
  box-shadow: var(--shadow-md);
}
.card-elevated:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* ---- Container ---- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 2rem;
}
.container-wide { max-width: 1400px; }

/* ---- Sections ---- */
.section {
  padding: 80px 0;
}
.section-sm { padding: 48px 0; }
.section-title {
  font-size: 2.25rem;
  margin-bottom: 1rem;
  text-align: center;
}
.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  text-align: center;
  max-width: 600px;
  margin: 0 auto 3rem;
}
.section-label {
  display: inline-block;
  background: var(--primary-bg);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 6px 16px;
  border-radius: 20px;
  margin-bottom: 1rem;
}

/* ---- Grid Helpers ---- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.flex { display: flex; }
.flex-center { align-items: center; justify-content: center; }
.flex-between { align-items: center; justify-content: space-between; }

/* ---- Hero ---- */
.hero {
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(37,99,235,0.08) 0%, transparent 70%);
  border-radius: 50%;
}
.hero-content {
  max-width: 600px;
}
.hero-title {
  font-size: 3.5rem;
  font-weight: 800;
  margin-bottom: 1.5rem;
  line-height: 1.1;
}
.hero-title span { color: var(--primary); }
.hero-text {
  font-size: 1.2rem;
  color: var(--text-secondary);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.hero-actions {
  display: flex;
  gap: 1rem;
  margin-bottom: 2rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.hero-visual {
  position: relative;
}
.hero-mockup {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 24px;
  box-shadow: var(--shadow-xl);
}

/* ---- Dashboard Cards ---- */
.balance-card {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: #fff;
  border-radius: 16px;
  padding: 28px;
  position: relative;
  overflow: hidden;
}
.balance-card::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 160px;
  height: 160px;
  background: rgba(255,255,255,0.1);
  border-radius: 50%;
}
.balance-card .label {
  font-size: 0.875rem;
  opacity: 0.85;
  margin-bottom: 4px;
}
.balance-card .amount {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 2rem;
  font-weight: 800;
}
.balance-card .change {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 8px;
  font-size: 0.85rem;
  background: rgba(255,255,255,0.2);
  padding: 4px 10px;
  border-radius: 20px;
}

.stat-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
  text-align: center;
}
.stat-card .stat-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-bg);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
  font-size: 1.4rem;
}
.stat-card .stat-value {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.75rem;
  font-weight: 800;
  margin-bottom: 4px;
}
.stat-card .stat-label {
  color: var(--text-secondary);
  font-size: 0.875rem;
}

/* ---- Feature Cards ---- */
.feature-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px;
  text-align: center;
  transition: all 0.3s;
}
.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary);
}
.feature-icon {
  width: 64px;
  height: 64px;
  background: var(--primary-bg);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.75rem;
  color: var(--primary);
  transition: all 0.3s;
}
.feature-card:hover .feature-icon {
  background: var(--primary);
  color: #fff;
  transform: scale(1.05);
}
.feature-card h3 {
  font-size: 1.15rem;
  margin-bottom: 0.75rem;
}
.feature-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ---- Account Type Cards ---- */
.pricing-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 36px 28px;
  text-align: center;
  transition: all 0.3s;
  position: relative;
}
.pricing-card.featured {
  border-color: var(--primary);
  box-shadow: 0 0 0 1px var(--primary), var(--shadow-lg);
  transform: scale(1.03);
}
.pricing-card.featured .pricing-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--primary);
  color: #fff;
  padding: 4px 20px;
  border-radius: 20px;
  font-size: 0.8rem;
  font-weight: 700;
}
.pricing-card h3 { font-size: 1.3rem; margin-bottom: 0.5rem; }
.pricing-card .price {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--primary);
  margin: 1rem 0;
}
.pricing-card .price span { font-size: 1rem; font-weight: 400; color: var(--text-secondary); }
.pricing-card ul {
  margin: 1.5rem 0;
  text-align: left;
}
.pricing-card ul li {
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  color: var(--text-secondary);
}
.pricing-card ul li .check {
  color: var(--success);
  font-weight: 700;
}

/* ---- How It Works ---- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
}
.steps::before {
  content: '';
  position: absolute;
  top: 36px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: var(--border);
  z-index: 0;
}
.step {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-number {
  width: 72px;
  height: 72px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  margin: 0 auto 1rem;
  border: 4px solid var(--bg-secondary);
}
.step h4 { margin-bottom: 0.5rem; }
.step p { color: var(--text-secondary); font-size: 0.9rem; }

/* ---- Trust Indicators ---- */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}
.trust-item {
  text-align: center;
  padding: 24px;
}
.trust-icon {
  width: 56px;
  height: 56px;
  background: var(--primary-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-size: 1.5rem;
  color: var(--primary);
}
.trust-item h4 { font-size: 1rem; margin-bottom: 0.25rem; }
.trust-item p { color: var(--text-secondary); font-size: 0.85rem; }

/* ---- Transaction List ---- */
.transaction-list { margin: 0; }
.transaction-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  border-bottom: 1px solid var(--border-light);
  transition: background 0.2s;
}
.transaction-item:last-child { border-bottom: none; }
.transaction-item:hover { background: var(--bg-secondary); margin: 0 -12px; padding: 16px 12px; border-radius: 10px; }
.transaction-left {
  display: flex;
  align-items: center;
  gap: 14px;
}
.transaction-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}
.transaction-icon.food { background: #FEF3C7; color: #D97706; }
.transaction-icon.transport { background: #DBEAFE; color: #2563EB; }
.transaction-icon.shopping { background: #FCE7F3; color: #DB2777; }
.transaction-icon.bills { background: #E0E7FF; color: #4F46E5; }
.transaction-icon.entertainment { background: #D1FAE5; color: #059669; }
.transaction-icon.income { background: #D1FAE5; color: #059669; }
.transaction-icon.transfer { background: #F3E8FF; color: #7C3AED; }
.transaction-details h4 { font-size: 0.95rem; font-weight: 600; margin-bottom: 2px; }
.transaction-details p { color: var(--text-tertiary); font-size: 0.8rem; }
.transaction-amount {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
}
.transaction-amount.credit { color: var(--success); }
.transaction-amount.debit { color: var(--text-primary); }

/* ---- Quick Actions ---- */
.quick-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.quick-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 20px 12px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  cursor: pointer;
  transition: all 0.25s;
  text-align: center;
}
.quick-action:hover {
  border-color: var(--primary);
  background: var(--primary-bg);
  transform: translateY(-2px);
}
.quick-action .qa-icon {
  width: 48px;
  height: 48px;
  background: var(--primary-bg);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: var(--primary);
  transition: all 0.25s;
}
.quick-action:hover .qa-icon {
  background: var(--primary);
  color: #fff;
}
.quick-action span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
}

/* ---- Tabs ---- */
.tabs {
  display: flex;
  gap: 4px;
  background: var(--bg-tertiary);
  border-radius: 12px;
  padding: 4px;
  margin-bottom: 2rem;
  overflow-x: auto;
}
.tab {
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all 0.25s;
  white-space: nowrap;
  background: none;
}
.tab:hover { color: var(--text-primary); }
.tab.active {
  background: var(--bg-card);
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

/* ---- Forms ---- */
.form-group {
  margin-bottom: 1.25rem;
}
.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.875rem;
  margin-bottom: 6px;
  color: var(--text-primary);
}
.form-input,
.form-select {
  width: 100%;
  padding: 12px 16px;
  background: var(--bg-input);
  border: 1px solid var(--border);
  border-radius: 10px;
  color: var(--text-primary);
  font-size: 1rem;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.form-input:focus,
.form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.15);
}
.form-input::placeholder { color: var(--text-tertiary); }
textarea.form-input { min-height: 100px; resize: vertical; }

/* ---- Tables ---- */
.table-wrapper {
  overflow-x: auto;
  border-radius: 12px;
  border: 1px solid var(--border);
}
table {
  width: 100%;
  border-collapse: collapse;
}
thead {
  background: var(--bg-tertiary);
}
th {
  text-align: left;
  padding: 14px 16px;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-secondary);
  white-space: nowrap;
}
td {
  padding: 14px 16px;
  border-top: 1px solid var(--border-light);
  font-size: 0.95rem;
}
tr:hover td {
  background: var(--bg-secondary);
}

/* ---- Credit Card ---- */
.credit-card {
  width: 380px;
  max-width: 100%;
  height: 240px;
  border-radius: 20px;
  padding: 28px;
  position: relative;
  overflow: hidden;
  color: #fff;
  background: linear-gradient(135deg, #1E3A8A, #2563EB, #3B82F6);
  box-shadow: 0 20px 40px rgba(37,99,235,0.3);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.credit-card::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -30%;
  width: 300px;
  height: 300px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
}
.credit-card::after {
  content: '';
  position: absolute;
  bottom: -40%;
  left: -20%;
  width: 250px;
  height: 250px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.card-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  z-index: 1;
}
.card-brand {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
}
.card-chip {
  width: 40px;
  height: 30px;
  background: linear-gradient(135deg, #FFD700, #FFA500);
  border-radius: 6px;
}
.card-number {
  font-family: 'Plus Jakarta Sans', monospace;
  font-size: 1.35rem;
  letter-spacing: 3px;
  position: relative;
  z-index: 1;
}
.card-footer-row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  position: relative;
  z-index: 1;
}
.card-name {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.card-expiry { font-size: 0.85rem; }
.card-network {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1.1rem;
  font-style: italic;
}

/* ---- Progress Bars ---- */
.progress-bar {
  width: 100%;
  height: 10px;
  background: var(--bg-tertiary);
  border-radius: 10px;
  overflow: hidden;
  margin: 8px 0;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  border-radius: 10px;
  width: 0;
  transition: width 1.5s ease;
}
.progress-fill.success { background: linear-gradient(90deg, var(--success), #34D399); }
.progress-fill.warning { background: linear-gradient(90deg, var(--warning), #FBBF24); }

/* ---- Savings Goal ---- */
.goal-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 24px;
}
.goal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 12px;
}
.goal-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
}
.goal-amounts {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--text-secondary);
  margin-top: 4px;
}

/* ---- Calendar ---- */
.calendar-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
  gap: 4px;
  text-align: center;
}
.calendar-day {
  padding: 8px;
  font-size: 0.85rem;
  border-radius: 8px;
  color: var(--text-secondary);
}
.calendar-day.header {
  font-weight: 700;
  color: var(--text-primary);
  font-size: 0.75rem;
}
.calendar-day.active {
  background: var(--primary-bg);
  color: var(--primary);
  font-weight: 600;
}
.calendar-day.has-bill {
  background: var(--primary);
  color: #fff;
  font-weight: 600;
}

/* ---- Biller Cards ---- */
.biller-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.3s;
}
.biller-card:hover {
  border-color: var(--primary);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.biller-icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 10px;
}
.biller-card h4 { font-size: 0.9rem; margin-bottom: 2px; }
.biller-card p { font-size: 0.8rem; color: var(--text-tertiary); }

/* ---- Toggle Switch ---- */
.toggle {
  width: 50px;
  height: 26px;
  background: var(--bg-tertiary);
  border: 1px solid var(--border);
  border-radius: 13px;
  cursor: pointer;
  position: relative;
  transition: all 0.3s;
}
.toggle.active {
  background: var(--primary);
  border-color: var(--primary);
}
.toggle::after {
  content: '';
  position: absolute;
  width: 20px;
  height: 20px;
  background: #fff;
  border-radius: 50%;
  top: 2px;
  left: 2px;
  transition: transform 0.3s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.15);
}
.toggle.active::after { transform: translateX(24px); }

/* ---- Settings List ---- */
.settings-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  border-bottom: 1px solid var(--border-light);
}
.settings-item:last-child { border-bottom: none; }
.settings-left {
  display: flex;
  align-items: center;
  gap: 14px;
}
.settings-icon {
  width: 40px;
  height: 40px;
  background: var(--primary-bg);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
}
.settings-label h4 { font-size: 0.95rem; font-weight: 600; }
.settings-label p { font-size: 0.8rem; color: var(--text-secondary); }

/* ---- Badges ---- */
.badge {
  display: inline-flex;
  align-items: center;
  padding: 4px 10px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 700;
}
.badge-success { background: #D1FAE5; color: #059669; }
.badge-warning { background: #FEF3C7; color: #D97706; }
.badge-danger { background: #FEE2E2; color: #DC2626; }
.badge-info { background: #DBEAFE; color: #2563EB; }
.badge-neutral { background: var(--bg-tertiary); color: var(--text-secondary); }

[data-theme="dark"] .badge-success { background: rgba(16,185,129,0.2); }
[data-theme="dark"] .badge-warning { background: rgba(245,158,11,0.2); }
[data-theme="dark"] .badge-danger { background: rgba(239,68,68,0.2); }
[data-theme="dark"] .badge-info { background: rgba(37,99,235,0.2); }

/* ---- Success Message ---- */
.success-message {
  display: none;
  background: #D1FAE5;
  border: 1px solid #6EE7B7;
  color: #065F46;
  padding: 16px 20px;
  border-radius: 12px;
  font-weight: 600;
  align-items: center;
  gap: 10px;
  animation: slideIn 0.3s ease;
}
.success-message.show { display: flex; }

[data-theme="dark"] .success-message {
  background: rgba(16,185,129,0.15);
  border-color: rgba(16,185,129,0.3);
  color: #6EE7B7;
}

/* ---- Chart Containers ---- */
.chart-container {
  position: relative;
  width: 100%;
  padding: 16px 0;
}
.chart-container canvas {
  max-width: 100%;
}

/* ---- Page Header ---- */
.page-header {
  padding: 32px 0;
  border-bottom: 1px solid var(--border);
  background: var(--bg-primary);
  margin-bottom: 2rem;
}
.page-header h1 {
  font-size: 1.75rem;
  margin-bottom: 0.25rem;
}
.page-header p {
  color: var(--text-secondary);
}

/* ---- App Download ---- */
.app-section {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 24px;
  padding: 60px;
  color: #fff;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.app-section h2 { color: #fff; font-size: 2rem; margin-bottom: 1rem; }
.app-section p { opacity: 0.9; font-size: 1.1rem; margin-bottom: 2rem; }
.app-buttons { display: flex; gap: 1rem; }
.app-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
  padding: 12px 24px;
  border-radius: 12px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.25s;
}
.app-btn:hover {
  background: rgba(255,255,255,0.25);
  color: #fff;
  transform: translateY(-2px);
}
.app-btn .store-name { font-size: 0.75rem; opacity: 0.8; }
.app-btn .store-label { font-size: 1rem; font-weight: 700; }

/* ---- Footer ---- */
.footer {
  background: var(--bg-primary);
  border-top: 1px solid var(--border);
  padding: 60px 0 30px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--primary);
  margin-bottom: 1rem;
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer-text {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.7;
  max-width: 320px;
}
.footer h4 {
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
  color: var(--text-primary);
}
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  color: var(--text-secondary);
  font-size: 0.9rem;
  transition: color 0.2s;
}
.footer-links a:hover { color: var(--primary); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.footer-bottom p { color: var(--text-tertiary); font-size: 0.85rem; }
.footer-socials {
  display: flex;
  gap: 1rem;
}
.footer-socials a {
  width: 36px;
  height: 36px;
  background: var(--bg-tertiary);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-secondary);
  transition: all 0.2s;
  font-size: 0.9rem;
}
.footer-socials a:hover {
  background: var(--primary);
  color: #fff;
}

/* ---- Recipient Avatars ---- */
.recipient-list {
  display: flex;
  gap: 1rem;
  overflow-x: auto;
  padding: 8px 0;
}
.recipient {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  cursor: pointer;
  transition: all 0.2s;
  min-width: 72px;
}
.recipient:hover { transform: translateY(-2px); }
.recipient-avatar {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--primary-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary);
  border: 2px solid transparent;
  transition: border-color 0.2s;
}
.recipient:hover .recipient-avatar { border-color: var(--primary); }
.recipient span { font-size: 0.75rem; color: var(--text-secondary); font-weight: 600; }

/* ---- Sidebar Layout (for dashboard pages) ---- */
.dashboard-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  min-height: calc(100vh - 70px);
}
.sidebar {
  background: var(--bg-primary);
  border-right: 1px solid var(--border);
  padding: 24px 0;
  position: sticky;
  top: 70px;
  height: calc(100vh - 70px);
  overflow-y: auto;
}
.sidebar-nav a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 24px;
  color: var(--text-secondary);
  font-weight: 600;
  font-size: 0.9rem;
  transition: all 0.2s;
  border-left: 3px solid transparent;
}
.sidebar-nav a:hover {
  background: var(--bg-secondary);
  color: var(--primary);
}
.sidebar-nav a.active {
  background: var(--primary-bg);
  color: var(--primary);
  border-left-color: var(--primary);
}
.sidebar-nav a .nav-icon {
  width: 20px;
  text-align: center;
}

.dashboard-content {
  padding: 32px;
  background: var(--bg-secondary);
}

/* ---- Animations ---- */
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes slideIn {
  from { opacity: 0; transform: translateX(-20px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes slideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.02); }
}
@keyframes countUp {
  from { opacity: 0; }
  to { opacity: 1; }
}

.animate-in {
  animation: fadeIn 0.6s ease forwards;
  opacity: 0;
}
.animate-in:nth-child(1) { animation-delay: 0.1s; }
.animate-in:nth-child(2) { animation-delay: 0.2s; }
.animate-in:nth-child(3) { animation-delay: 0.3s; }
.animate-in:nth-child(4) { animation-delay: 0.4s; }

/* ---- Notification Dot ---- */
.notification-dot {
  position: relative;
}
.notification-dot::after {
  content: '';
  position: absolute;
  top: -2px;
  right: -6px;
  width: 8px;
  height: 8px;
  background: var(--danger);
  border-radius: 50%;
  border: 2px solid var(--bg-primary);
}

/* ---- User Avatar ---- */
.user-avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: 0.9rem;
  cursor: pointer;
}

/* ---- Accordion ---- */
.accordion-item {
  border: 1px solid var(--border);
  border-radius: 12px;
  margin-bottom: 12px;
  overflow: hidden;
}
.accordion-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  background: var(--bg-card);
  cursor: pointer;
  font-weight: 600;
  transition: background 0.2s;
}
.accordion-header:hover { background: var(--bg-secondary); }
.accordion-arrow {
  transition: transform 0.3s;
  font-size: 0.8rem;
}
.accordion-item.open .accordion-arrow { transform: rotate(180deg); }
.accordion-body {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s;
}
.accordion-item.open .accordion-body {
  padding: 0 20px 16px;
  max-height: 500px;
}

/* ---- Welcome Banner ---- */
.welcome-banner {
  background: linear-gradient(135deg, var(--primary), #4F46E5);
  border-radius: 20px;
  padding: 32px;
  color: #fff;
  margin-bottom: 2rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.welcome-banner::before {
  content: '';
  position: absolute;
  right: -40px;
  top: -40px;
  width: 200px;
  height: 200px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
}
.welcome-banner h2 { font-size: 1.5rem; color: #fff; margin-bottom: 4px; }
.welcome-banner p { opacity: 0.85; }

/* ---- Statement Summary ---- */
.statement-summary {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.summary-item {
  text-align: center;
  padding: 20px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: 12px;
}
.summary-item .label { font-size: 0.8rem; color: var(--text-secondary); margin-bottom: 4px; }
.summary-item .value {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.5rem;
  font-weight: 700;
}

/* ---- Modal ---- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 2000;
  backdrop-filter: blur(4px);
}
.modal-overlay.show { display: flex; }
.modal {
  background: var(--bg-card);
  border-radius: 20px;
  padding: 32px;
  max-width: 480px;
  width: 90%;
  max-height: 90vh;
  overflow-y: auto;
  animation: slideUp 0.3s ease;
}
.modal-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
}
.modal-close {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  background: var(--bg-tertiary);
  color: var(--text-secondary);
  transition: all 0.2s;
  border: none;
}
.modal-close:hover { background: var(--danger); color: #fff; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .dashboard-layout {
    grid-template-columns: 1fr;
  }
  .sidebar {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 280px;
    height: 100vh;
    z-index: 1500;
    box-shadow: var(--shadow-xl);
  }
  .sidebar.mobile-open { display: block; }
  .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero-title { font-size: 2.5rem; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps::before { display: none; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .app-section { grid-template-columns: 1fr; padding: 40px 28px; }
  .statement-summary { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .navbar-nav {
    display: none;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--bg-primary);
    flex-direction: column;
    padding: 20px;
    gap: 0;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
  }
  .navbar-nav.open { display: flex; }
  .navbar-nav a { padding: 14px 0; border-bottom: 1px solid var(--border-light); }
  .navbar-nav a.active::after { display: none; }
  .hamburger { display: flex; }

  .hero { padding: 60px 0 40px; }
  .hero-title { font-size: 2rem; }
  .hero-actions { flex-direction: column; }
  .hero-visual { display: none; }

  .container { padding: 0 1rem; }
  .section { padding: 48px 0; }

  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .quick-actions { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .pricing-card.featured { transform: none; }

  .dashboard-content { padding: 16px; }
  .welcome-banner { flex-direction: column; text-align: center; }
  .statement-summary { grid-template-columns: 1fr; }
  .app-buttons { flex-direction: column; }

  .credit-card { width: 100%; height: auto; aspect-ratio: 1.6; }
  .tabs { flex-wrap: nowrap; overflow-x: auto; }
}

@media (max-width: 480px) {
  .hero-title { font-size: 1.75rem; }
  .section-title { font-size: 1.75rem; }
  .balance-card .amount { font-size: 1.5rem; }
  .quick-actions { grid-template-columns: 1fr 1fr; }
  .navbar { padding: 0 1rem; }
}

/* ---- Utility ---- */
.text-center { text-align: center; }
.text-right { text-align: right; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.hidden { display: none !important; }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-warning { color: var(--warning); }
.text-muted { color: var(--text-secondary); }
.font-mono { font-family: 'Plus Jakarta Sans', monospace; }
.truncate { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }