/* ============================================================
   Core styles — staff console, client portal, cheque designer
   ============================================================ */

/* ---------- Demo disclaimer banner ---------- */
.demo-banner {
  position: sticky; top: 0; z-index: 60; display: flex; align-items: center; justify-content: center;
  gap: 9px; padding: 9px 16px; background: #fde047; color: #422006; font-size: 12.5px; font-weight: 650;
  text-align: center; border-bottom: 1px solid #eab308; line-height: 1.4;
}
.demo-banner svg { width: 17px; height: 17px; flex-shrink: 0; color: #854d0e; }
.demo-banner b { font-weight: 800; }
@media (max-width: 560px) { .demo-banner { font-size: 11.5px; padding: 8px 10px; } }
:root {
  --accent: #0f766e;
  --accent-dark: color-mix(in srgb, var(--accent), #000 22%);
  --accent-soft: color-mix(in srgb, var(--accent), #fff 84%);
  --ink: #0f172a;
  --ink-soft: #475569;
  --ink-faint: #94a3b8;
  --bg: #f1f5f9;
  --card: #ffffff;
  --line: #e2e8f0;
  --danger: #dc2626;
  --danger-soft: #fee2e2;
  --warn: #d97706;
  --warn-soft: #fef3c7;
  --ok: #16a34a;
  --ok-soft: #dcfce7;
  --info: #2563eb;
  --info-soft: #dbeafe;
  --sidebar: #0b1526;
  --sidebar-ink: #cbd5e1;
  --radius: 12px;
  --shadow: 0 1px 3px rgba(15, 23, 42, .08), 0 4px 16px rgba(15, 23, 42, .05);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --mono: "Cascadia Mono", "SF Mono", Consolas, "Liberation Mono", monospace;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html, body { height: 100%; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--ink);
  font-size: 14.5px;
  line-height: 1.45;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-weight: 650; letter-spacing: -.01em; }

/* ---------- Layout: staff console ---------- */
.shell { display: flex; min-height: 100vh; }
.sidebar {
  width: 232px; flex-shrink: 0; background: var(--sidebar); color: var(--sidebar-ink);
  display: flex; flex-direction: column; position: sticky; top: 0; height: 100vh; overflow-y: auto;
}
.brand { display: flex; align-items: center; gap: 10px; padding: 18px 16px 14px; }
.brand-logo {
  width: 38px; height: 38px; border-radius: 10px; background: var(--accent);
  color: #fff; display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 15px; letter-spacing: .02em; flex-shrink: 0;
}
.brand-name { font-weight: 700; color: #f8fafc; font-size: 14.5px; line-height: 1.2; }
.brand-sub { font-size: 11px; color: #64748b; margin-top: 1px; }
.nav { padding: 6px 10px; flex: 1; }
.nav-label { font-size: 10.5px; text-transform: uppercase; letter-spacing: .08em; color: #526180; padding: 14px 8px 5px; }
.nav a {
  display: flex; align-items: center; gap: 10px; padding: 8px 10px; border-radius: 8px;
  color: var(--sidebar-ink); font-weight: 500; font-size: 13.5px; margin-bottom: 1px;
}
.nav a:hover { background: rgba(148, 163, 184, .1); text-decoration: none; }
.nav a.active { background: var(--accent); color: #fff; }
.nav a svg { width: 17px; height: 17px; flex-shrink: 0; opacity: .85; }
.sidebar-foot { padding: 12px 16px; border-top: 1px solid rgba(148,163,184,.15); font-size: 12px; color: #64748b; }
.sidebar-foot button {
  background: none; border: 1px solid rgba(148,163,184,.3); color: var(--sidebar-ink);
  padding: 6px 12px; border-radius: 7px; cursor: pointer; font-size: 12.5px; width: 100%;
}
.sidebar-foot button:hover { background: rgba(148,163,184,.12); }
.main { flex: 1; min-width: 0; padding: 26px 30px 60px; }
.page-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 20px; flex-wrap: wrap; }
.page-head h1 { font-size: 21px; }
.page-head .sub { color: var(--ink-soft); font-size: 13px; margin-top: 3px; }
.page-actions { display: flex; gap: 8px; flex-wrap: wrap; }

/* ---------- Cards / grid ---------- */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.card-pad { padding: 18px 20px; }
.card h3 { font-size: 14px; margin-bottom: 12px; }
.grid { display: grid; gap: 16px; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
.stack > * + * { margin-top: 16px; }

.stat { padding: 16px 18px; }
.stat .stat-label { font-size: 12px; color: var(--ink-soft); font-weight: 600; text-transform: uppercase; letter-spacing: .04em; }
.stat .stat-value { font-size: 22px; font-weight: 750; margin-top: 5px; font-variant-numeric: tabular-nums; }
.stat .stat-note { font-size: 12px; color: var(--ink-faint); margin-top: 3px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 7px; font-family: inherit;
  background: var(--accent); color: #fff; border: 1px solid var(--accent);
  padding: 8px 14px; border-radius: 8px; font-size: 13.5px; font-weight: 600; cursor: pointer;
  transition: background .12s;
}
.btn:hover { background: var(--accent-dark); }
.btn.secondary { background: #fff; color: var(--ink); border-color: var(--line); }
.btn.secondary:hover { background: var(--bg); }
.btn.danger { background: var(--danger); border-color: var(--danger); }
.btn.danger:hover { background: #b91c1c; }
.btn.ghost-danger { background: #fff; color: var(--danger); border-color: var(--line); }
.btn.ghost-danger:hover { background: var(--danger-soft); }
.btn.small { padding: 4px 10px; font-size: 12.5px; border-radius: 7px; }
.btn:disabled { opacity: .5; cursor: not-allowed; }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; }
table.data { width: 100%; border-collapse: collapse; font-size: 13.5px; }
table.data th {
  text-align: left; font-size: 11.5px; text-transform: uppercase; letter-spacing: .05em;
  color: var(--ink-soft); font-weight: 650; padding: 10px 14px; border-bottom: 1px solid var(--line);
  white-space: nowrap; background: #f8fafc;
}
table.data td { padding: 10px 14px; border-bottom: 1px solid var(--line); vertical-align: middle; }
table.data tr:last-child td { border-bottom: none; }
table.data tbody tr:hover { background: #f8fafc; }
table.data td.num, table.data th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.credit { color: var(--ok); font-weight: 600; }
.debit { color: var(--danger); font-weight: 600; }
.mono { font-family: var(--mono); font-size: 12.5px; }
.muted { color: var(--ink-faint); }
.small-text { font-size: 12.5px; }
.clickable-row { cursor: pointer; }

/* ---------- Badges ---------- */
.badge {
  display: inline-block; padding: 2.5px 9px; border-radius: 99px; font-size: 11.5px; font-weight: 650;
  white-space: nowrap;
}
.badge.green { background: var(--ok-soft); color: #15803d; }
.badge.red { background: var(--danger-soft); color: #b91c1c; }
.badge.amber { background: var(--warn-soft); color: #b45309; }
.badge.blue { background: var(--info-soft); color: #1d4ed8; }
.badge.gray { background: #e2e8f0; color: #475569; }
.badge.teal { background: var(--accent-soft); color: var(--accent-dark); }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 14px; }
.form-row { display: flex; flex-direction: column; gap: 5px; }
.form-row.full { grid-column: 1 / -1; }
.form-row label { font-size: 12.5px; font-weight: 600; color: var(--ink-soft); }
.form-row input, .form-row select, .form-row textarea {
  font-family: inherit; font-size: 14px; padding: 8.5px 11px; border: 1px solid #cbd5e1;
  border-radius: 8px; background: #fff; color: var(--ink); width: 100%;
}
.form-row input:focus, .form-row select:focus, .form-row textarea:focus {
  outline: 2px solid var(--accent-soft); border-color: var(--accent);
}
.form-hint { font-size: 12px; color: var(--ink-faint); }
.checkbox-row { display: flex; align-items: center; gap: 8px; font-size: 13.5px; }
.checkbox-row input { width: auto; }

/* ---------- Modal ---------- */
.modal-overlay {
  position: fixed; inset: 0; background: rgba(15, 23, 42, .45); z-index: 100;
  display: flex; align-items: flex-start; justify-content: center; padding: 6vh 16px 16px;
  overflow-y: auto;
}
.modal {
  background: #fff; border-radius: 14px; width: 100%; max-width: 560px;
  box-shadow: 0 24px 60px rgba(15,23,42,.3); animation: pop .14s ease-out;
}
.modal.wide { max-width: 980px; }
@keyframes pop { from { transform: translateY(8px); opacity: 0; } to { transform: none; opacity: 1; } }
.modal-head { display: flex; align-items: center; justify-content: space-between; padding: 16px 20px 0; }
.modal-head h2 { font-size: 16px; }
.modal-close { background: none; border: none; font-size: 20px; cursor: pointer; color: var(--ink-faint); line-height: 1; padding: 4px; }
.modal-body { padding: 16px 20px; }
.modal-foot { display: flex; justify-content: flex-end; gap: 8px; padding: 0 20px 18px; }

/* ---------- Toasts ---------- */
#toasts { position: fixed; bottom: 20px; right: 20px; z-index: 200; display: flex; flex-direction: column; gap: 8px; max-width: 380px; }
.toast {
  background: var(--ink); color: #fff; padding: 11px 16px; border-radius: 10px; font-size: 13.5px;
  box-shadow: 0 8px 24px rgba(15,23,42,.25); animation: pop .15s ease-out; display: flex; gap: 9px; align-items: flex-start;
}
.toast.error { background: var(--danger); }
.toast.warn { background: var(--warn); }

/* ---------- Login ---------- */
.login-wrap {
  min-height: 100vh; display: flex; align-items: center; justify-content: center; padding: 20px;
  background: linear-gradient(150deg, #0b1526 0%, #113340 55%, var(--accent-dark) 100%);
}
.login-card { background: #fff; border-radius: 18px; padding: 34px 34px 30px; width: 100%; max-width: 420px; box-shadow: 0 30px 80px rgba(0,0,0,.4); }
.login-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 6px; }
.login-brand .brand-logo { width: 46px; height: 46px; font-size: 18px; border-radius: 12px; }
.login-brand h1 { font-size: 19px; }
.login-brand .slogan { color: var(--ink-soft); font-size: 12.5px; }
.login-tabs { display: flex; gap: 6px; margin: 22px 0 18px; background: var(--bg); padding: 4px; border-radius: 10px; }
.login-tabs button {
  flex: 1; border: none; background: none; padding: 8px; border-radius: 8px; cursor: pointer;
  font-family: inherit; font-size: 13px; font-weight: 600; color: var(--ink-soft);
}
.login-tabs button.active { background: #fff; color: var(--ink); box-shadow: var(--shadow); }
.login-card .form-row { margin-bottom: 13px; }
.login-note { font-size: 12px; color: var(--ink-faint); margin-top: 14px; text-align: center; }

/* ---------- Client portal ---------- */
.portal-topbar {
  background: var(--sidebar); color: #fff; padding: 0 max(24px, calc((100vw - 1060px) / 2));
  display: flex; align-items: center; justify-content: space-between; height: 62px;
}
.portal-topbar .brand-name { font-size: 15px; }
.portal-user { display: flex; align-items: center; gap: 14px; font-size: 13px; color: var(--sidebar-ink); }
.portal-nav {
  background: #fff; border-bottom: 1px solid var(--line);
  padding: 0 max(24px, calc((100vw - 1060px) / 2)); display: flex; gap: 4px; overflow-x: auto;
}
.portal-nav button {
  background: none; border: none; border-bottom: 2.5px solid transparent; padding: 13px 14px;
  font-family: inherit; font-size: 13.5px; font-weight: 600; color: var(--ink-soft); cursor: pointer; white-space: nowrap;
}
.portal-nav button.active { color: var(--accent); border-bottom-color: var(--accent); }
.portal-main { max-width: 1060px; margin: 0 auto; padding: 26px 24px 70px; }
.acct-card {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: #fff; border-radius: 16px; padding: 20px 22px; position: relative; overflow: hidden;
}
.acct-card::after {
  content: ''; position: absolute; right: -40px; top: -40px; width: 160px; height: 160px;
  border-radius: 50%; background: rgba(255,255,255,.08);
}
.acct-card .acct-type { font-size: 12px; opacity: .85; text-transform: uppercase; letter-spacing: .06em; font-weight: 650; }
.acct-card .acct-balance { font-size: 26px; font-weight: 750; margin: 8px 0 2px; font-variant-numeric: tabular-nums; }
.acct-card .acct-no { font-family: var(--mono); font-size: 13px; opacity: .9; }
.acct-card.frozen { background: linear-gradient(135deg, #64748b, #475569); }

/* ---------- Cheque designer ---------- */
.cheque-designer-wrap { display: grid; grid-template-columns: 1fr 300px; gap: 20px; align-items: start; }
@media (max-width: 1100px) { .cheque-designer-wrap { grid-template-columns: 1fr; } }
.cheque {
  background: linear-gradient(120deg, #fdfcf7 0%, #f4f7ee 45%, #eef4f2 100%);
  border: 1px solid #cbd5c8; border-radius: 8px; padding: 22px 26px 12px;
  width: 100%; max-width: 760px; aspect-ratio: 2.35 / 1; min-height: 300px;
  position: relative; font-family: Georgia, "Times New Roman", serif; color: #1e293b;
  display: flex; flex-direction: column; box-shadow: var(--shadow);
}
.cheque::before {
  content: attr(data-watermark); position: absolute; inset: 0; display: flex; align-items: center;
  justify-content: center; font-size: 52px; font-weight: 800; color: rgba(15, 118, 110, .05);
  letter-spacing: .1em; pointer-events: none; text-transform: uppercase; text-align: center;
}
.cheque-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.cheque-bank { display: flex; gap: 10px; align-items: center; }
.cheque-bank .brand-logo { width: 34px; height: 34px; font-size: 13px; border-radius: 8px; }
.cheque-bankname { font-weight: 700; font-size: 16.5px; letter-spacing: .01em; }
.cheque-branch { font-size: 10.5px; color: #64748b; font-family: var(--font); }
.cheque-meta { text-align: right; font-family: var(--font); }
.cheque-no-label { font-size: 10.5px; color: #64748b; }
.cheque-no-value { font-family: var(--mono); font-weight: 700; font-size: 14px; }
.cheque-date-row { margin-top: 6px; font-size: 11px; color: #64748b; display: flex; align-items: center; gap: 6px; justify-content: flex-end; }
.cheque input, .cheque .cheque-date-input {
  background: transparent; border: none; border-bottom: 1.5px solid #94a3b8; font-family: inherit;
  font-size: 15px; color: #0f172a; padding: 2px 6px;
}
.cheque input:focus { outline: none; border-bottom-color: var(--accent); background: rgba(15,118,110,.04); }
.cheque-date-input { font-family: var(--mono); width: 130px; font-size: 13px; }
.cheque-pay { display: flex; align-items: baseline; gap: 10px; margin-top: 18px; font-size: 14px; }
.cheque-pay .lbl { font-weight: 650; font-style: italic; }
.cheque-pay input { flex: 1; font-size: 16px; }
.cheque-pay .order { font-size: 11px; color: #64748b; white-space: nowrap; font-family: var(--font); }
.cheque-words-row { display: flex; align-items: baseline; gap: 10px; margin-top: 14px; font-size: 12px; }
.cheque-words-row .lbl { font-style: italic; white-space: nowrap; font-weight: 650; font-size: 13px; }
.cheque-words {
  flex: 1; border-bottom: 1.5px solid #94a3b8; min-height: 22px; font-size: 13px;
  padding: 0 6px 2px; font-style: italic; color: #334155;
}
.cheque-amount-row { display: flex; justify-content: flex-end; margin-top: 12px; align-items: center; gap: 8px; }
.cheque-amount-box {
  border: 1.6px solid #475569; border-radius: 6px; padding: 6px 10px; display: flex; align-items: center; gap: 6px;
  background: rgba(255,255,255,.65); font-weight: 700;
}
.cheque-amount-box .cur { font-family: var(--font); font-size: 13px; color: #475569; }
.cheque-amount-box input { border: none; width: 150px; text-align: right; font-size: 17px; font-weight: 700; font-variant-numeric: tabular-nums; }
.cheque-foot { display: flex; justify-content: space-between; align-items: flex-end; margin-top: auto; gap: 14px; }
.cheque-acct { font-family: var(--mono); font-size: 11.5px; color: #475569; }
.cheque-sig { text-align: center; }
.cheque-sig canvas { border-bottom: 1.5px solid #475569; cursor: crosshair; touch-action: none; background: transparent; }
.cheque-sig .sig-label { font-size: 10px; color: #64748b; font-family: var(--font); margin-top: 3px; }
.micr {
  font-family: var(--mono); font-size: 16px; letter-spacing: 3px; text-align: center;
  margin-top: 8px; color: #1e293b; font-weight: 600;
}
.cheque-side-panel .form-row { margin-bottom: 12px; }

/* ---------- Amortization / schedule ---------- */
.progress-track { height: 8px; border-radius: 99px; background: var(--line); overflow: hidden; }
.progress-fill { height: 100%; border-radius: 99px; background: var(--accent); }

/* ---------- Alerts ---------- */
.alert { padding: 11px 14px; border-radius: 9px; font-size: 13px; display: flex; gap: 9px; align-items: flex-start; }
.alert.warn { background: var(--warn-soft); color: #92400e; }
.alert.info { background: var(--info-soft); color: #1e40af; }
.alert.danger { background: var(--danger-soft); color: #991b1b; }

/* ---------- Detail rows ---------- */
.kv { display: grid; grid-template-columns: 160px 1fr; gap: 6px 14px; font-size: 13.5px; }
.kv dt { color: var(--ink-soft); font-weight: 600; }
.kv dd { font-variant-numeric: tabular-nums; }

.section-tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--line); margin-bottom: 16px; flex-wrap: wrap; }
.section-tabs button {
  background: none; border: none; border-bottom: 2.5px solid transparent; padding: 9px 13px;
  font-family: inherit; font-size: 13.5px; font-weight: 600; color: var(--ink-soft); cursor: pointer;
}
.section-tabs button.active { color: var(--accent); border-bottom-color: var(--accent); }

.empty-state { text-align: center; padding: 36px 20px; color: var(--ink-faint); font-size: 13.5px; }

/* ---------- Statement print header (hidden on screen) ---------- */
.print-header { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .shell { flex-direction: column; }
  .sidebar { width: 100%; height: auto; position: static; flex-direction: column; }
  .nav { display: flex; flex-wrap: wrap; gap: 2px; }
  .nav-label { display: none; }
  .main { padding: 18px 14px 50px; }
  .kv { grid-template-columns: 130px 1fr; }
}

/* ---------- Print: cheque + statements ---------- */
@media print {
  body { background: #fff; }
  .sidebar, .page-actions, #toasts, .modal-overlay, .portal-topbar, .portal-nav, .no-print { display: none !important; }
  .main, .portal-main { padding: 0; }
  .card { box-shadow: none; border: none; }
  body.print-cheque-mode #app > * { display: none !important; }
  .print-header { display: block; margin-bottom: 14px; border-bottom: 2px solid #000; padding-bottom: 10px; }
  .print-header h2 { font-size: 18px; }
}
body.print-cheque-mode .cheque-print-host { display: block !important; }
.cheque-print-host { display: none; position: fixed; inset: 0; background: #fff; z-index: 500; padding: 30px; }
@media print {
  .cheque-print-host { position: static; padding: 0; }
  .cheque-print-host .cheque { box-shadow: none; }
}

/* ============================================================
   PUBLIC WEBSITE (landing page)
   ============================================================ */
.site { --navy: #0a1220; background: #fff; color: var(--ink); }
.site .display { font-family: Georgia, 'Iowan Old Style', 'Times New Roman', serif; font-weight: 600; letter-spacing: -.015em; }

.site-nav {
  position: sticky; top: 0; z-index: 50; display: flex; align-items: center; justify-content: space-between;
  padding: 14px max(28px, calc((100vw - 1180px) / 2));
  background: rgba(10, 18, 32, .82); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.site-nav .brand { padding: 0; }
.site-nav .links { display: flex; gap: 26px; align-items: center; }
.site-nav .links a { color: #cbd5e1; font-size: 13.5px; font-weight: 550; }
.site-nav .links a:hover { color: #fff; text-decoration: none; }
.site-nav .cta { display: flex; gap: 10px; align-items: center; }
@media (max-width: 820px) { .site-nav .links { display: none; } }

.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    radial-gradient(900px 480px at 85% -10%, color-mix(in srgb, var(--accent) 55%, transparent), transparent 65%),
    radial-gradient(700px 420px at -10% 110%, color-mix(in srgb, var(--accent) 30%, transparent), transparent 60%),
    linear-gradient(160deg, #0a1220 0%, #0e1c30 55%, #0b2530 100%);
  padding: 92px max(28px, calc((100vw - 1180px) / 2)) 100px;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 60px; align-items: center;
}
@media (max-width: 960px) { .hero { grid-template-columns: 1fr; padding-top: 60px; } }
.hero h1 { font-size: clamp(34px, 4.6vw, 56px); line-height: 1.08; }
.hero .kicker {
  display: inline-flex; align-items: center; gap: 8px; font-size: 12px; letter-spacing: .14em; text-transform: uppercase;
  color: color-mix(in srgb, var(--accent) 40%, #e2e8f0); font-weight: 700; margin-bottom: 18px;
}
.hero .kicker::before { content: ''; width: 26px; height: 2px; background: var(--accent); display: inline-block; }
.hero p.lead { color: #b6c2d4; font-size: 17px; max-width: 54ch; margin: 20px 0 30px; line-height: 1.65; }
.hero .hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; }
.btn.large { padding: 12px 22px; font-size: 15px; border-radius: 10px; }
.btn.on-dark-ghost { background: transparent; border-color: rgba(255,255,255,.35); color: #fff; }
.btn.on-dark-ghost:hover { background: rgba(255,255,255,.1); }

.hero-visual { position: relative; min-height: 300px; }
.hero-visual .bank-card { position: absolute; top: 6%; right: 4%; transform: rotate(6deg); box-shadow: 0 40px 80px rgba(0,0,0,.5); }
.hero-visual .acct-card { position: absolute; bottom: 2%; left: 0; width: min(320px, 90%); transform: rotate(-3deg); box-shadow: 0 30px 60px rgba(0,0,0,.45); }
@media (max-width: 960px) { .hero-visual { display: none; } }

.trust-strip {
  display: flex; gap: 34px; flex-wrap: wrap; justify-content: center; align-items: center;
  padding: 18px max(28px, calc((100vw - 1180px) / 2));
  background: #0a1220; color: #7d8ba1; font-size: 12.5px; border-top: 1px solid rgba(255,255,255,.06);
}
.trust-strip b { color: #cbd5e1; }

.site-section { padding: 76px max(28px, calc((100vw - 1180px) / 2)); }
.site-section .section-kicker { font-size: 12px; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); font-weight: 750; margin-bottom: 10px; }
.site-section h2 { font-size: clamp(26px, 3vw, 36px); margin-bottom: 14px; }
.site-section .section-sub { color: var(--ink-soft); max-width: 62ch; font-size: 15.5px; margin-bottom: 40px; }

.products-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; }
.product-card {
  border: 1px solid var(--line); border-radius: 16px; padding: 26px 24px; background: #fff;
  transition: transform .18s, box-shadow .18s, border-color .18s;
}
.product-card:hover { transform: translateY(-4px); box-shadow: 0 18px 44px rgba(15,23,42,.1); border-color: color-mix(in srgb, var(--accent) 40%, var(--line)); }
.product-card .icon {
  width: 46px; height: 46px; border-radius: 12px; display: flex; align-items: center; justify-content: center;
  background: color-mix(in srgb, var(--accent) 12%, #fff); color: var(--accent); margin-bottom: 16px;
}
.product-card .icon svg { width: 22px; height: 22px; }
.product-card h3 { font-size: 16.5px; margin-bottom: 8px; }
.product-card p { color: var(--ink-soft); font-size: 13.5px; line-height: 1.6; }

.rates-band {
  background: linear-gradient(140deg, #0a1220, #10263a); color: #fff;
  padding: 60px max(28px, calc((100vw - 1180px) / 2));
  display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 34px; text-align: center;
}
.rates-band .rate-value { font-size: 42px; font-weight: 750; color: color-mix(in srgb, var(--accent) 55%, #fff); }
.rates-band .rate-label { color: #93a3b8; font-size: 13.5px; margin-top: 6px; }

.cta-banner {
  margin: 0 max(28px, calc((100vw - 1180px) / 2)) 76px; border-radius: 20px;
  background:
    radial-gradient(500px 260px at 90% 0%, color-mix(in srgb, var(--accent) 50%, transparent), transparent 60%),
    linear-gradient(140deg, var(--accent-dark), #0a1220 80%);
  color: #fff; padding: 54px 48px; display: flex; align-items: center; justify-content: space-between; gap: 26px; flex-wrap: wrap;
}
.cta-banner h2 { font-size: clamp(24px, 2.6vw, 32px); }
.cta-banner p { color: #c3d0e0; margin-top: 8px; max-width: 52ch; }

.site-footer { background: #0a1220; color: #8d9bb0; padding: 56px max(28px, calc((100vw - 1180px) / 2)) 30px; font-size: 13px; }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr; gap: 34px; padding-bottom: 34px; border-bottom: 1px solid rgba(255,255,255,.08); }
@media (max-width: 820px) { .site-footer .cols { grid-template-columns: 1fr 1fr; } }
.site-footer h4 { color: #e2e8f0; font-size: 13px; margin-bottom: 12px; }
.site-footer a { color: #8d9bb0; display: block; padding: 3px 0; }
.site-footer a:hover { color: #fff; text-decoration: none; }
.site-footer .legal { display: flex; justify-content: space-between; gap: 16px; padding-top: 22px; flex-wrap: wrap; }

/* ============================================================
   CLIENT PORTAL LOGIN (clients)
   ============================================================ */
.cl-login { min-height: 100vh; display: grid; grid-template-columns: 1.05fr .95fr; }
@media (max-width: 900px) { .cl-login { grid-template-columns: 1fr; } .cl-login .cl-left { min-height: 280px; } }
.cl-left {
  position: relative; color: #fff; padding: 40px 48px; display: flex; flex-direction: column; overflow: hidden;
  background:
    radial-gradient(700px 420px at 110% -10%, color-mix(in srgb, var(--accent) 60%, transparent), transparent 65%),
    linear-gradient(155deg, #0a1220 0%, #0f2233 60%, var(--accent-dark) 130%);
}
.cl-left .back-link { color: #9fb0c6; font-size: 13px; margin-bottom: auto; display: inline-flex; gap: 6px; align-items: center; }
.cl-left .back-link:hover { color: #fff; text-decoration: none; }
.cl-left h2 { font-size: clamp(26px, 2.8vw, 38px); line-height: 1.15; margin: 26px 0 14px; }
.cl-left .cl-points { margin: 22px 0 30px; display: grid; gap: 13px; }
.cl-left .cl-points div { display: flex; gap: 11px; align-items: flex-start; color: #c3d0e0; font-size: 14px; }
.cl-left .cl-points svg { width: 18px; height: 18px; color: color-mix(in srgb, var(--accent) 45%, #fff); flex-shrink: 0; margin-top: 2px; }
.security-note {
  margin-top: auto; background: rgba(255, 200, 60, .1); border: 1px solid rgba(255, 200, 60, .35);
  border-radius: 12px; padding: 14px 16px; font-size: 12.5px; color: #ffe9b3; line-height: 1.55;
}
.cl-right { display: flex; align-items: center; justify-content: center; padding: 40px 26px; background: var(--bg); }
.cl-card { width: 100%; max-width: 400px; }
.cl-card .welcome { font-size: 13px; color: var(--ink-soft); }
.cl-card h1 { font-size: 22px; margin: 4px 0 22px; }
.cl-card .form-row { margin-bottom: 14px; }
.cl-links { display: flex; justify-content: space-between; font-size: 12.5px; margin: 4px 0 18px; }
.cl-divider { display: flex; align-items: center; gap: 12px; color: var(--ink-faint); font-size: 12px; margin: 22px 0 14px; }
.cl-divider::before, .cl-divider::after { content: ''; height: 1px; background: var(--line); flex: 1; }
.captcha-row { display: flex; gap: 10px; align-items: flex-end; }
.captcha-box {
  font-family: var(--mono); font-size: 16px; letter-spacing: 3px; font-weight: 700; user-select: none;
  background: repeating-linear-gradient(-45deg, #e6ebf2 0 6px, #f2f5f9 6px 12px);
  border: 1px solid var(--line); border-radius: 8px; padding: 8px 14px; color: #334155;
  text-decoration: line-through; text-decoration-color: rgba(51, 65, 85, .35);
}

/* ============================================================
   STAFF CONSOLE LOGIN
   ============================================================ */
.console-login {
  min-height: 100vh; display: flex; align-items: center; justify-content: center; padding: 20px;
  background:
    radial-gradient(600px 340px at 80% 10%, rgba(148, 163, 184, .12), transparent 60%),
    linear-gradient(160deg, #05080f, #0b1526 70%, #0e1a2e);
}
.console-card {
  width: 100%; max-width: 380px; background: rgba(15, 23, 42, .72); border: 1px solid rgba(148,163,184,.2);
  border-radius: 16px; padding: 34px 32px; color: #e2e8f0; backdrop-filter: blur(10px);
  box-shadow: 0 30px 80px rgba(0,0,0,.5);
}
.console-card h1 { font-size: 17px; color: #f8fafc; }
.console-card .console-sub { font-size: 12.5px; color: #7d8ba1; margin: 4px 0 24px; }
.console-card label { color: #9fb0c6; }
.console-card input {
  background: rgba(2, 6, 16, .6); border-color: rgba(148,163,184,.25); color: #f1f5f9;
}
.console-card input:focus { border-color: var(--accent); }
.console-card .form-row { margin-bottom: 14px; }
.console-badge {
  display: inline-flex; align-items: center; gap: 7px; font-size: 10.5px; letter-spacing: .12em; text-transform: uppercase;
  color: #94a3b8; border: 1px solid rgba(148,163,184,.3); padding: 4px 10px; border-radius: 99px; margin-bottom: 18px;
}
.console-badge::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--accent); }

/* ============================================================
   BANK CARDS (Visa / Mastercard)
   ============================================================ */
.bank-card {
  width: 336px; max-width: 100%; aspect-ratio: 1.586; border-radius: 18px; padding: 22px 24px;
  position: relative; color: #fff; overflow: hidden; display: flex; flex-direction: column;
  box-shadow: 0 14px 34px rgba(10, 18, 32, .35);
}
.bank-card.visa { background: linear-gradient(130deg, #10316b 0%, #1a4a8f 45%, #0b1e42 100%); }
.bank-card.mastercard { background: linear-gradient(130deg, #2b2b33 0%, #46424e 50%, #1b1b21 100%); }
.bank-card::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(340px 200px at 85% -20%, rgba(255,255,255,.16), transparent 60%);
}
.bank-card .bc-top { display: flex; justify-content: space-between; align-items: flex-start; }
.bank-card .bc-bank { font-weight: 700; font-size: 14px; letter-spacing: .02em; }
.bank-card .bc-type { font-size: 9.5px; letter-spacing: .16em; text-transform: uppercase; opacity: .75; margin-top: 2px; }
.bank-card .bc-chip {
  width: 42px; height: 32px; border-radius: 6px; margin-top: 18px;
  background: linear-gradient(135deg, #e8c877, #c9a24d 55%, #eed9a0);
  position: relative;
}
.bank-card .bc-chip::after { content: ''; position: absolute; inset: 6px 5px; border: 1px solid rgba(90, 60, 0, .45); border-radius: 3px; }
.bank-card .bc-pan { font-family: var(--mono); font-size: 19px; letter-spacing: 2.5px; margin-top: 14px; text-shadow: 0 1px 2px rgba(0,0,0,.4); }
.bank-card .bc-bottom { margin-top: auto; display: flex; justify-content: space-between; align-items: flex-end; }
.bank-card .bc-label { font-size: 8px; letter-spacing: .1em; opacity: .7; text-transform: uppercase; }
.bank-card .bc-holder { font-size: 12.5px; letter-spacing: .08em; text-transform: uppercase; font-weight: 600; }
.bank-card .bc-visa-mark { font-style: italic; font-weight: 800; font-size: 24px; letter-spacing: .02em; font-family: Georgia, serif; }
.bank-card .bc-mc-mark { display: flex; }
.bank-card .bc-mc-mark i { width: 26px; height: 26px; border-radius: 50%; display: block; }
.bank-card .bc-mc-mark i:first-child { background: #eb001b; }
.bank-card .bc-mc-mark i:last-child { background: #f79e1b; margin-left: -10px; mix-blend-mode: screen; }
.bank-card .bc-status-overlay {
  position: absolute; inset: 0; background: rgba(10, 14, 22, .62); backdrop-filter: blur(2px);
  display: flex; align-items: center; justify-content: center; font-weight: 750; letter-spacing: .2em;
  text-transform: uppercase; font-size: 15px;
}
.card-row { display: flex; gap: 22px; flex-wrap: wrap; align-items: flex-start; }

/* ============================================================
   PREMIUM CHEQUE — security layers
   ============================================================ */
.cheque {
  border: 1px solid #a8b6ae;
  box-shadow: inset 0 0 0 1px #fff, inset 0 0 0 3px rgba(15, 118, 110, .18), var(--shadow);
  padding-left: 44px;
}
.cheque::before {
  /* central watermark seal */
  content: attr(data-watermark);
  font-size: 44px; letter-spacing: .18em;
  color: color-mix(in srgb, var(--accent) 8%, transparent);
  border: none;
}
.chq-watermark { position: absolute; inset: 0; pointer-events: none; opacity: .55; }
.chq-seal {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: 168px; height: 168px; border-radius: 50%; pointer-events: none;
  border: 2px solid color-mix(in srgb, var(--accent) 9%, transparent);
  box-shadow: inset 0 0 0 6px transparent, inset 0 0 0 8px color-mix(in srgb, var(--accent) 6%, transparent);
}
.chq-band {
  position: absolute; left: 0; top: 0; bottom: 0; width: 30px;
  background:
    repeating-linear-gradient(0deg, color-mix(in srgb, var(--accent) 26%, transparent) 0 1.5px, transparent 1.5px 5px),
    linear-gradient(180deg, color-mix(in srgb, var(--accent) 22%, #fff), color-mix(in srgb, var(--accent) 40%, #fff));
  border-right: 1px solid color-mix(in srgb, var(--accent) 35%, transparent);
  display: flex; align-items: center; justify-content: center;
}
.chq-band span {
  writing-mode: vertical-rl; transform: rotate(180deg);
  font-family: var(--font); font-size: 6.5px; letter-spacing: 2.2px; font-weight: 700;
  color: color-mix(in srgb, var(--accent) 75%, #1e293b); text-transform: uppercase; white-space: nowrap;
}
.chq-holo {
  width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0; position: relative;
  background: conic-gradient(from 210deg, #ffd9e8, #d9f3ff, #e6ffe3, #fff3cf, #ecd9ff, #ffd9e8);
  box-shadow: inset 0 0 6px rgba(255,255,255,.9), 0 1px 3px rgba(15,23,42,.25);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font); font-weight: 800; font-size: 11px; color: rgba(30, 41, 59, .55);
}
.chq-holo::after { content: ''; position: absolute; inset: 4px; border-radius: 50%; border: 1px dashed rgba(30,41,59,.25); }
.micro-line {
  font-size: 4px; letter-spacing: .6px; line-height: 1; color: #6b7c74; white-space: nowrap; overflow: hidden;
  font-family: var(--font); user-select: none;
}
.cheque .cheque-head { position: relative; }
.cheque-no-value { color: #b91c1c; }
.sig-tools { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 8px; }