/* Verimont design system — institutional weight, data-first.
   Deliberately restrained: hairline borders over heavy shadows, tighter radii
   than consumer apps, tabular figures for money, and a single accent reserved
   for positive/confirming states. */

/* The palette is a token layer, so light and dark are the same stylesheet with
   different values. `html.dark` is set before first paint by the inline script
   in console.html, which shares the `verimont-theme` key with the marketing
   pages — a visitor who picks dark on the landing page stays dark here. */
:root {
  color-scheme: light;

  /* Surfaces */
  --surface: #f7f8fa;
  --surface-raised: #ffffff;
  --surface-sunken: #f0f2f5;
  --surface-inverse: #0f172a;

  /* Ink */
  --ink: #12161f;
  --ink-muted: #55607a;
  --ink-subtle: #7a849c;
  --ink-inverse: #ffffff;

  /* Lines */
  --line: #dde1e9;
  --line-strong: #c3c9d6;

  /* Brand */
  --navy: #0f172a;
  --navy-600: #1e293b;
  --navy-300: #64748b;

  /* Interactive */
  --btn-primary-bg: var(--navy);
  --btn-primary-bg-hover: var(--navy-600);
  --btn-primary-ink: #ffffff;
  --link: var(--navy);
  --focus: #2563eb;
  --focus-ring: rgba(37, 99, 235, .16);
  --backdrop: rgba(15, 23, 42, .45);
  --skeleton-a: #eef0f4;
  --skeleton-b: #e2e6ec;
  /* Dashboard balance band. Not --surface-inverse: that flips to light in dark
     mode, which would put a glaring white block at the top of the page. */
  --masthead-bg: var(--navy);
  --masthead-ink: #ffffff;
  --masthead-line: transparent;

  /* Semantic */
  --positive: #0a6b48;
  --positive-bg: #e6f4ee;
  --positive-line: #b9e0cd;
  --negative: #a4232a;
  --negative-bg: #fdeaea;
  --negative-line: #f0c2c2;
  --negative-ink: #7d1a20;
  --caution: #8a5a00;
  --caution-bg: #fdf3e2;
  --caution-line: #f0dcb4;
  --caution-ink: #6d4700;
  --info-bg: #eef2fb;
  --info-line: #ccd8f5;
  --info-ink: #24365e;
  --positive-ink: #075136;

  /* Type */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  --mono: 'SFMono-Regular', ui-monospace, Menlo, Consolas, monospace;

  /* Geometry — tighter than consumer apps reads as more institutional */
  --r-sm: 4px;
  --r: 6px;
  --r-lg: 10px;

  --shadow-1: 0 1px 2px rgba(15, 23, 42, .06);
  --shadow-2: 0 4px 16px rgba(15, 23, 42, .10);
  --shadow-3: 0 16px 48px rgba(15, 23, 42, .18);

  --sidebar-w: 248px;
  --header-h: 60px;
}

/* Switching theme must be a repaint and nothing else — no animated colour
   crossfade while someone is mid-transfer. The class is set for one frame
   around the swap. */
html.theme-swap, html.theme-swap *, html.theme-swap *::before, html.theme-swap *::after {
  transition: none !important;
}

html.dark {
  color-scheme: dark;

  --surface: #090d18;
  --surface-raised: #0e1422;
  --surface-sunken: #141c2c;
  --surface-inverse: #e9edf5;

  --ink: #e9edf5;
  --ink-muted: #9aa6be;
  --ink-subtle: #7c88a2;
  --ink-inverse: #0b1120;

  --line: #212c40;
  --line-strong: #2c3a54;

  /* The sidebar and top bar are already dark, so they only need to deepen. */
  --navy: #060b16;
  --navy-600: #0d1424;
  --navy-300: #47566f;

  /* Navy has nothing to contrast against here, so mint carries the action. */
  --btn-primary-bg: #4edea3;
  --btn-primary-bg-hover: #6ffbbe;
  --btn-primary-ink: #06170f;
  --link: #6ffbbe;
  --focus: #7cb0ff;
  --focus-ring: rgba(124, 176, 255, .22);
  --backdrop: rgba(2, 5, 12, .66);
  --skeleton-a: #141c2c;
  --skeleton-b: #1d2740;
  --masthead-bg: #0c1322;
  --masthead-ink: #e9edf5;
  --masthead-line: #24314a;

  --positive: #6ffbbe;
  --positive-bg: #0a3327;
  --positive-line: #14563f;
  --positive-ink: #9dfdd4;
  --negative: #ff9a9a;
  --negative-bg: #2c1214;
  --negative-line: #5a2126;
  --negative-ink: #ffc4c4;
  --caution: #ffc46b;
  --caution-bg: #2c1f08;
  --caution-line: #56400f;
  --caution-ink: #ffdca4;
  --info-bg: #101c37;
  --info-line: #23375f;
  --info-ink: #b9ccf5;

  --shadow-1: 0 1px 2px rgba(0, 0, 0, .5);
  --shadow-2: 0 4px 16px rgba(0, 0, 0, .55);
  --shadow-3: 0 16px 48px rgba(0, 0, 0, .62);
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink);
  background: var(--surface);
  -webkit-font-smoothing: antialiased;
}

/* Money and any aligned figures must not jitter between values. */
.num, .money, td.num, .tabular { font-variant-numeric: tabular-nums; font-feature-settings: 'tnum' 1; }
.money { text-align: right; white-space: nowrap; }
.mono { font-family: var(--mono); }

h1, h2, h3, h4 { margin: 0; font-weight: 600; letter-spacing: -0.01em; color: var(--ink); }
h1 { font-size: 20px; }
h2 { font-size: 16px; }
h3 { font-size: 14px; }
p { margin: 0; }

/* ---------- Accessibility primitives ---------- */

/* A visible, high-contrast focus ring on every interactive element. Keyboard
   users must always know where they are — this is table stakes in finance. */
:where(a, button, input, select, textarea, [tabindex]):focus-visible {
  outline: 2px solid var(--focus);
  outline-offset: 2px;
  border-radius: var(--r-sm);
}
:where(a, button, input, select, textarea):focus:not(:focus-visible) { outline: none; }

.skip-link {
  position: absolute; left: 8px; top: -48px; z-index: 200;
  background: var(--navy); color: #fff; padding: 10px 16px;
  border-radius: var(--r); font-weight: 600; text-decoration: none;
  transition: top .15s ease;
}
.skip-link:focus { top: 8px; }

.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- Layout ---------- */

.app { display: grid; grid-template-columns: var(--sidebar-w) 1fr; min-height: 100vh; }

.sidebar {
  background: var(--surface-inverse);
  color: #cbd5e1;
  display: flex; flex-direction: column;
  position: sticky; top: 0; height: 100vh;
}
.sidebar__brand { padding: 12px; border-bottom: 1px solid rgba(255,255,255,.08); }
/* The logo doubles as the home affordance — it must look and behave clickable. */
.brandlink {
  display: block; width: 100%; text-align: left; cursor: pointer;
  background: none; border: 0; font: inherit; color: inherit;
  padding: 8px; border-radius: var(--r); transition: background .12s ease;
}
.brandlink:hover { background: rgba(255,255,255,.07); }
.brandlink:active { background: rgba(255,255,255,.12); }
.brandlink .sidebar__name, .brandlink .sidebar__sub { display: block; }
.sidebar__name { color: #fff; font-weight: 700; font-size: 15px; letter-spacing: -0.01em; }
.sidebar__sub { color: #8b98ad; font-size: 11px; margin-top: 2px; }
.sidebar__section { padding: 16px 12px 4px; color: #6b7789; font-size: 10px;
  text-transform: uppercase; letter-spacing: .09em; font-weight: 700; }
.sidebar nav { padding: 4px 8px; flex: 1; overflow-y: auto; }
.navitem {
  display: flex; align-items: center; gap: 10px; width: 100%;
  padding: 8px 12px; border: 0; background: none; color: #b6c0d0;
  font: inherit; font-size: 13.5px; text-align: left; cursor: pointer;
  border-radius: var(--r); margin-bottom: 1px;
}
.navitem:hover { background: rgba(255,255,255,.06); color: #fff; }
.navitem[aria-current="page"] { background: rgba(255,255,255,.11); color: #fff; font-weight: 600; }
.navitem .material-symbols-outlined { font-size: 19px; }
.sidebar__foot { padding: 12px; border-top: 1px solid rgba(255,255,255,.08); font-size: 11.5px; color: #8b98ad; }

.main { min-width: 0; display: flex; flex-direction: column; }
.topbar {
  height: var(--header-h); display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 0 24px; background: var(--surface-raised);
  border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20;
}
.content { padding: 24px; max-width: 1180px; width: 100%; }

/* ---------- Panels & tables ---------- */

.panel {
  background: var(--surface-raised); border: 1px solid var(--line);
  border-radius: var(--r-lg); box-shadow: var(--shadow-1);
}
.panel__hd {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 14px 18px; border-bottom: 1px solid var(--line);
}
.panel__bd { padding: 18px; }
.panel__bd--flush { padding: 0; }

.grid { display: grid; gap: 16px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 900px) { .grid--2, .grid--3 { grid-template-columns: 1fr; } }

table.data { width: 100%; border-collapse: collapse; font-size: 13.5px; }
table.data th {
  text-align: left; font-size: 10.5px; text-transform: uppercase; letter-spacing: .07em;
  color: var(--ink-subtle); font-weight: 700; padding: 10px 18px;
  border-bottom: 1px solid var(--line); background: var(--surface-sunken);
  position: sticky; top: 0;
}
table.data th.money, table.data td.money { text-align: right; }
table.data td { padding: 11px 18px; border-bottom: 1px solid var(--line); vertical-align: middle; }
table.data tbody tr:last-child td { border-bottom: 0; }
table.data tbody tr:hover { background: var(--surface-sunken); }
.table-scroll { overflow-x: auto; }

/* A totals row belongs to the table, not a separate tile. */
table.data tfoot td {
  padding: 12px 18px; border-top: 1px solid var(--line-strong);
  background: var(--surface-sunken); font-weight: 700; font-size: 14px;
}
table.data tbody tr.data__group td {
  background: var(--surface-sunken); font-size: 10.5px; font-weight: 700;
  text-transform: uppercase; letter-spacing: .07em; color: var(--ink-subtle);
  padding: 7px 18px;
}
table.data tbody tr.data__group:hover td { background: var(--surface-sunken); }
/* The account name is the link into that account. */
.data__link {
  background: none; border: 0; padding: 0; font: inherit; font-weight: 650;
  color: var(--link); text-align: left; cursor: pointer; text-decoration: none;
}
.data__link:hover { text-decoration: underline; }

/* ---------- Stat tiles ---------- */
.stat { padding: 16px 18px; }
.stat__label { font-size: 11px; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-subtle); font-weight: 700; }
.stat__value { font-size: 26px; font-weight: 650; letter-spacing: -0.02em; margin-top: 6px; font-variant-numeric: tabular-nums; }
.stat__meta { font-size: 12px; color: var(--ink-muted); margin-top: 4px; }

/* ---------- Dashboard ----------
   Traditional retail-bank layout: a relationship-balance masthead, the account
   summary table, quick links, then activity — with a reference rail. */
.dash { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 16px; align-items: start; }
.dash__col { display: flex; flex-direction: column; gap: 16px; min-width: 0; }
.dash__rail { display: flex; flex-direction: column; gap: 16px; }

.masthead {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between;
  gap: 16px; padding: 18px 20px;
  background: var(--masthead-bg); color: var(--masthead-ink);
  border: 1px solid var(--masthead-line); border-radius: var(--r-lg);
}
/* The band is dark in both themes, so headings on it opt out of themed ink. */
.masthead :where(h1, h2, h3, h4, p) { color: inherit; }
.masthead__label { font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; opacity: .62; }
.masthead__value { font-size: 30px; font-weight: 700; letter-spacing: -.02em; font-variant-numeric: tabular-nums; margin-top: 5px; }
.masthead__meta { font-size: 12.5px; opacity: .7; margin-top: 4px; }
.masthead__aside { display: flex; gap: 26px; }
.masthead__fig { font-size: 15px; font-weight: 650; font-variant-numeric: tabular-nums; margin-top: 3px; }

/* Quick links — icon tiles, the row every bank puts under the balance. */
.quicklinks { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 10px; }
.quicklink {
  display: flex; flex-direction: column; align-items: center; gap: 7px; padding: 14px 10px;
  background: var(--surface-raised); border: 1px solid var(--line); border-radius: var(--r-lg);
  font: inherit; font-size: 12.5px; font-weight: 650; color: var(--ink); cursor: pointer;
  transition: border-color .12s ease, background .12s ease;
}
.quicklink:hover { border-color: var(--navy-300); background: var(--surface-sunken); }
.quicklink .material-symbols-outlined {
  font-size: 20px; width: 38px; height: 38px; border-radius: 999px; display: grid; place-items: center;
  background: var(--positive-bg); color: var(--positive);
}
@media (max-width: 620px) { .quicklinks { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* Reference rail rows: routing number, customer number, insurance line. */
.reflist { display: flex; flex-direction: column; }
.reflist div { display: flex; justify-content: space-between; gap: 12px; padding: 7px 0; font-size: 13px; }
.reflist div + div { border-top: 1px solid var(--line); }
.reflist dt, .reflist span:first-child { color: var(--ink-muted); }
.reflist dd, .reflist span:last-child { margin: 0; font-weight: 650; font-variant-numeric: tabular-nums; }

@media (max-width: 1080px) {
  .dash { grid-template-columns: minmax(0, 1fr); }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  padding: 8px 14px; border-radius: var(--r); border: 1px solid transparent;
  font: inherit; font-size: 13.5px; font-weight: 600; cursor: pointer;
  transition: background .12s ease, border-color .12s ease, color .12s ease;
  white-space: nowrap;
}
.btn:disabled { opacity: .55; cursor: not-allowed; }
.btn--primary { background: var(--btn-primary-bg); color: var(--btn-primary-ink); }
.btn--primary:hover:not(:disabled) { background: var(--btn-primary-bg-hover); }
.btn--secondary { background: var(--surface-raised); color: var(--ink); border-color: var(--line-strong); }
.btn--secondary:hover:not(:disabled) { background: var(--surface-sunken); }
.btn--ghost { background: transparent; color: var(--ink-muted); }
.btn--ghost:hover:not(:disabled) { background: var(--surface-sunken); color: var(--ink); }
.btn--danger { background: var(--negative); color: #fff; }
.btn--sm { padding: 5px 10px; font-size: 12.5px; }
.btn--block { width: 100%; }
.btn .material-symbols-outlined { font-size: 18px; }

/* ---------- Sign-in / sign-up split screen ---------- */
.auth { min-height: 100vh; display: grid; grid-template-columns: 1.08fr 1fr; }

/* Brand side. Layered light over a security-print weave, with a real product
   visual — the first screen should look like a bank, not a bare form. */
.auth__brand {
  position: relative; overflow: hidden; color: #fff; padding: 44px 48px;
  display: flex; flex-direction: column; justify-content: space-between; gap: 34px;
  background:
    radial-gradient(115% 85% at 88% -12%, rgba(78, 222, 163, .26), transparent 46%),
    radial-gradient(95% 95% at -12% 108%, rgba(37, 99, 235, .22), transparent 56%),
    linear-gradient(155deg, #070d1a 0%, #16253f 54%, #0a1120 100%);
}
.auth__brand::before {
  content: ""; position: absolute; inset: 0; opacity: .34; mix-blend-mode: soft-light; pointer-events: none;
  background:
    repeating-linear-gradient(120deg, rgba(255, 255, 255, .07) 0 1px, transparent 1px 9px),
    repeating-linear-gradient(60deg, rgba(255, 255, 255, .04) 0 1px, transparent 1px 12px);
}
/* Embossed arc, echoing the card art. */
.auth__brand::after {
  content: ""; position: absolute; right: -18%; bottom: -42%; width: 78%; aspect-ratio: 1;
  border-radius: 50%; border: 1px solid rgba(255, 255, 255, .09);
  box-shadow: 0 0 0 44px rgba(255, 255, 255, .035); pointer-events: none;
}
.auth__brandtop, .auth__brandmid, .auth__foot { position: relative; z-index: 1; }
.auth__brandtop { display: flex; align-items: center; gap: 12px; }
.auth__emblem { display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 11px; background: #fff; box-shadow: var(--shadow-2); flex: none; }
.auth__emblem--sm { width: 38px; height: 38px; border-radius: 9px; box-shadow: var(--shadow-1); }
.auth__word { font-size: 20px; font-weight: 800; letter-spacing: -.01em; color: #fff; }
.auth__cu { font-size: 10px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: #4edea3; margin-top: 2px; }
/* The brand panel is dark in BOTH themes, so anything on it must opt out of the
   themed ink colour. Headings are the trap: the base `h1..h4 { color: var(--ink) }`
   rule beats the white inherited from .auth__brand, which painted this headline
   near-black on navy in light mode. */
.auth__brand :where(h1, h2, h3, h4, p, li, dt, dd) { color: #fff; }
.auth__tag { font-size: 32px; line-height: 1.12; font-weight: 800; letter-spacing: -.022em; margin-bottom: 12px; max-width: 22ch; color: #fff; }
.auth__lede { color: rgba(255, 255, 255, .70); font-size: 15px; max-width: 36ch; margin-bottom: 26px; }

/* Card + balance tile, angled slightly so it reads as a photograph of a product. */
.auth__visual { position: relative; width: 100%; max-width: 330px; margin: 0 0 30px; }
.auth__visual .paycard { transform: rotate(-2.6deg); }
.auth__tile {
  position: absolute; right: -14px; bottom: -24px; min-width: 158px; padding: 12px 14px;
  border-radius: 12px; background: rgba(12, 20, 36, .72); backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, .14); box-shadow: 0 16px 34px -14px rgba(0, 0, 0, .6);
}
.auth__tile-label { font-size: 10.5px; letter-spacing: .12em; text-transform: uppercase; color: rgba(255, 255, 255, .58); }
.auth__tile-value { font-size: 20px; font-weight: 750; font-variant-numeric: tabular-nums; margin-top: 2px; }
.auth__tile-delta { font-size: 11.5px; font-weight: 600; color: #6ffbbe; margin-top: 2px; }

.auth__points { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.auth__points li { display: flex; align-items: center; gap: 11px; font-size: 13.5px; color: rgba(255, 255, 255, .88); }
.auth__points .material-symbols-outlined {
  font-size: 17px; color: #6ffbbe; flex: none;
  width: 28px; height: 28px; border-radius: 8px; display: grid; place-items: center;
  background: rgba(111, 251, 190, .12); box-shadow: inset 0 0 0 1px rgba(111, 251, 190, .20);
}
.auth__foot { font-size: 11.5px; color: rgba(255, 255, 255, .45); letter-spacing: .01em; }

/* Theme switch. Both icons ship in the markup and CSS picks one, so the right
   glyph is painted on the first frame with no scripted swap. */
.themetoggle {
  display: inline-grid; place-items: center; width: 34px; height: 34px; flex: none;
  border: 1px solid var(--line-strong); border-radius: var(--r);
  background: var(--surface-raised); color: var(--ink-muted); cursor: pointer;
  transition: background .12s ease, color .12s ease, border-color .12s ease;
}
.themetoggle:hover { background: var(--surface-sunken); color: var(--ink); border-color: var(--navy-300); }
.themetoggle .material-symbols-outlined { font-size: 19px; }
html.dark .themetoggle .ic-dark, html:not(.dark) .themetoggle .ic-light { display: none; }

/* Form side. */
.auth__panel { position: relative; display: grid; place-items: center; padding: 40px 24px; background: var(--surface); }
/* On the sign-in screen there is no top bar, so the switch floats. */
.auth__theme { position: absolute; top: 18px; right: 18px; z-index: 2; }
.auth__card { width: 100%; max-width: 424px; background: var(--surface-raised);
  border: 1px solid var(--line); border-radius: 18px; padding: 34px 32px;
  box-shadow: 0 28px 64px -28px rgba(15, 23, 42, .30), 0 2px 6px rgba(15, 23, 42, .05); }
.auth__mobilebrand { display: none; align-items: center; gap: 12px; margin-bottom: 22px; }
.auth__eyebrow { font-size: 11px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--positive); }
.auth__title { font-size: 25px; font-weight: 750; letter-spacing: -.02em; margin: 6px 0 2px; }
.auth__hint { margin-top: 14px; text-align: center; }
.auth__submit { height: 44px; font-size: 14.5px; border-radius: 8px; }
.auth__meta { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin: -4px 0 18px; }
.auth__check { display: inline-flex; align-items: center; gap: 7px; font-size: 12.5px; color: var(--ink-muted); cursor: pointer; }
.auth__check input { width: 15px; height: 15px; accent-color: var(--navy); }
.auth__link { font-size: 12.5px; font-weight: 600; color: var(--link); text-decoration: none; }
.auth__link:hover { text-decoration: underline; }
.auth__sandbox { display: flex; align-items: center; justify-content: center; gap: 6px;
  margin-top: 20px; padding-top: 16px; border-top: 1px solid var(--line); }
.auth__sandbox .material-symbols-outlined { font-size: 15px; color: var(--positive); }

/* Identity-document block on the sign-up form. Set apart from the ordinary
   fields because it carries a legal obligation, not a preference. */
.idblock {
  border: 1px solid var(--line-strong); border-radius: var(--r-lg);
  background: var(--surface); padding: 14px 14px 2px; margin: 0 0 16px;
}
.idblock__hd {
  display: flex; align-items: center; gap: 7px; padding: 0 4px;
  font-size: 12.5px; font-weight: 700; color: var(--ink);
}
.idblock__hd .material-symbols-outlined { font-size: 17px; color: var(--positive); }
.idblock__note { font-size: 12px; color: var(--ink-muted); line-height: 1.5; margin: 6px 0 12px; }

/* Text field with a leading icon, and an optional reveal button for passwords. */
.inputwrap { position: relative; display: block; }
.inputwrap__ic {
  position: absolute; left: 11px; top: 50%; transform: translateY(-50%);
  font-size: 18px; color: var(--ink-subtle); pointer-events: none;
}
.inputwrap .input { padding-left: 36px; }
.inputwrap--pw .input { padding-right: 42px; }
.pwtoggle {
  position: absolute; right: 5px; top: 50%; transform: translateY(-50%);
  display: grid; place-items: center; width: 32px; height: 32px; padding: 0;
  background: transparent; border: 0; border-radius: var(--r-sm);
  color: var(--ink-subtle); cursor: pointer;
}
.pwtoggle:hover { color: var(--ink); background: var(--surface-sunken); }
.pwtoggle .material-symbols-outlined { font-size: 19px; }

@media (max-width: 860px) {
  .auth { grid-template-columns: 1fr; }
  .auth__brand { display: none; }
  .auth__mobilebrand { display: flex; }
  .auth__card { border-radius: 14px; padding: 26px 22px; box-shadow: var(--shadow-1); }
}

/* ---------- Auth segmented control ---------- */
.authtabs {
  display: flex; gap: 4px; margin-bottom: 22px; padding: 4px;
  background: var(--surface-sunken); border: 1px solid var(--line); border-radius: 10px;
}
.authtab {
  flex: 1; padding: 9px 12px; font: inherit; font-size: 13.5px; font-weight: 650;
  color: var(--ink-muted); background: transparent; border: 0; border-radius: 7px;
  cursor: pointer; transition: background .14s ease, color .14s ease, box-shadow .14s ease;
}
.authtab:hover { color: var(--ink); }
.authtab[aria-selected="true"] {
  color: var(--ink); background: var(--surface-raised);
  box-shadow: 0 1px 2px rgba(15, 23, 42, .10), 0 0 0 1px rgba(15, 23, 42, .04);
}
/* On dark, a drop shadow cannot lift the selected tab — a border does. */
html.dark .authtab[aria-selected="true"] { box-shadow: 0 0 0 1px var(--line-strong); }
.authtab:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }

/* ---------- Transfer form ----------
   Laid out the way a bank lays it out: numbered sections down the page, a
   sticky funding/limits rail on the right, and the actions in a footer bar. */
.xfer { display: grid; grid-template-columns: minmax(0, 1fr) 288px; gap: 24px; align-items: start; }
.xfer__side { display: flex; flex-direction: column; gap: 12px; position: sticky; top: 16px; }

.formsec { border: 0; margin: 0 0 22px; padding: 0; }
.formsec:last-of-type { margin-bottom: 18px; }
.formsec__hd {
  display: flex; align-items: center; gap: 9px; padding: 0 0 12px;
  font-size: 14px; font-weight: 700; color: var(--ink); letter-spacing: -.01em;
}
.formsec__n {
  width: 20px; height: 20px; border-radius: 999px; flex: none;
  display: grid; place-items: center; font-size: 11px; font-weight: 700;
  background: var(--navy); color: #fff;
}

/* Destination chooser: full-width rows, the pattern every bank uses for
   "where is this going", so the options stay readable on a phone. */
.optionlist { display: flex; flex-direction: column; gap: 8px; margin-bottom: 18px; }
.option {
  position: relative; display: flex; align-items: center; gap: 12px; padding: 12px 14px;
  border: 1.5px solid var(--line-strong); border-radius: var(--r-lg); cursor: pointer;
  background: var(--surface-raised);
  transition: border-color .12s ease, box-shadow .12s ease, background .12s ease;
}
.option:hover { border-color: var(--navy-300); background: var(--surface); }
.option input { position: absolute; inset: 0; opacity: 0; margin: 0; cursor: pointer; }
.option__ic {
  font-size: 20px; color: var(--ink-muted); flex: none;
  width: 36px; height: 36px; border-radius: 9px; display: grid; place-items: center;
  background: var(--surface-sunken);
}
.option__txt { display: flex; flex-direction: column; gap: 1px; min-width: 0; flex: 1; }
.option__t { font-weight: 650; font-size: 13.5px; }
.option__d { font-size: 12px; color: var(--ink-subtle); }
.option__meta { font-size: 11.5px; font-weight: 650; color: var(--ink-subtle); white-space: nowrap; }
.option:has(input:checked) { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(15, 23, 42, .09); }
.option:has(input:checked) .option__ic { background: var(--positive-bg); color: var(--positive); }
.option:has(input:checked) .option__meta { color: var(--positive); }
.option:has(input:focus-visible) { outline: 2px solid var(--focus); outline-offset: 2px; }

/* Amount entry with a fixed currency prefix. */
.amountfield { position: relative; }
.amountfield__cur {
  position: absolute; left: 12px; top: 50%; transform: translateY(-50%);
  font-size: 20px; font-weight: 650; color: var(--ink-subtle); pointer-events: none;
}
.amountfield .input { padding-left: 30px; }

/* Right-rail cards: funding account, timing, and the security note. */
.sidecard { border: 1px solid var(--line); border-radius: var(--r-lg); background: var(--surface-raised); padding: 14px; }
.sidecard__hd { font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-subtle); margin-bottom: 10px; }
.sidecard__row { display: flex; justify-content: space-between; gap: 12px; font-size: 13px; padding: 5px 0; }
.sidecard__row dt, .sidecard__row span:first-child { color: var(--ink-muted); }
.sidecard__row dd, .sidecard__row span:last-child { margin: 0; font-weight: 650; font-variant-numeric: tabular-nums; text-align: right; }
.sidecard__big { font-size: 20px; font-weight: 750; font-variant-numeric: tabular-nums; letter-spacing: -.01em; }
.sidecard--note { background: var(--surface-sunken); border-style: dashed; }
.sidecard--note p { margin: 0; font-size: 12.5px; color: var(--ink-muted); line-height: 1.5; }

/* Action bar. Primary right, as in every bank flow. */
.formfoot {
  display: flex; justify-content: flex-end; gap: 10px;
  padding-top: 16px; border-top: 1px solid var(--line);
}

@media (max-width: 900px) {
  .xfer { grid-template-columns: minmax(0, 1fr); }
  .xfer__side { position: static; order: -1; }
}

/* ---------- Forms ---------- */
.field { display: block; margin-bottom: 16px; }
.field__label { display: block; font-size: 12.5px; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.field__hint { font-size: 12px; color: var(--ink-muted); margin-top: 5px; }
.input, .select {
  width: 100%; padding: 9px 11px; font: inherit; font-size: 14px; color: var(--ink);
  background: var(--surface-raised); border: 1px solid var(--line-strong);
  border-radius: var(--r); transition: border-color .12s ease, box-shadow .12s ease;
}
.input:hover, .select:hover { border-color: var(--navy-300); }
.input:focus, .select:focus { outline: none; border-color: var(--focus); box-shadow: 0 0 0 3px var(--focus-ring); }
.input--amount { font-size: 24px; font-weight: 650; font-variant-numeric: tabular-nums; padding: 12px; }
.input[aria-invalid="true"] { border-color: var(--negative); }
.input[aria-invalid="true"]:focus { box-shadow: 0 0 0 3px rgba(164, 35, 42, .28); }

/* Errors persist inline and are announced — never a toast that vanishes. */
.field__error {
  display: flex; align-items: flex-start; gap: 6px; margin-top: 6px;
  font-size: 12.5px; color: var(--negative); font-weight: 500;
}
.field__error .material-symbols-outlined { font-size: 15px; margin-top: 1px; }

.alert {
  display: flex; gap: 10px; padding: 12px 14px; border-radius: var(--r);
  font-size: 13px; line-height: 1.5; border: 1px solid;
}
.alert--error { background: var(--negative-bg); border-color: var(--negative-line); color: var(--negative-ink); }
.alert--warn { background: var(--caution-bg); border-color: var(--caution-line); color: var(--caution-ink); }
.alert--info { background: var(--info-bg); border-color: var(--info-line); color: var(--info-ink); }
.alert--success { background: var(--positive-bg); border-color: var(--positive-line); color: var(--positive-ink); }

/* ---------- Pills ---------- */
.pill {
  display: inline-flex; align-items: center; gap: 5px; padding: 2px 9px;
  border-radius: 999px; font-size: 11.5px; font-weight: 650; white-space: nowrap;
}
.pill--positive { background: var(--positive-bg); color: var(--positive); }
.pill--negative { background: var(--negative-bg); color: var(--negative); }
.pill--caution  { background: var(--caution-bg);  color: var(--caution); }
.pill--neutral  { background: var(--surface-sunken); color: var(--ink-muted); }
.pill__dot { width: 6px; height: 6px; border-radius: 999px; background: currentColor; }

/* ---------- Stepper (compose → review → confirm) ---------- */
.steps { display: flex; align-items: center; gap: 8px; margin-bottom: 20px; }
.step { display: flex; align-items: center; gap: 7px; font-size: 12.5px; color: var(--ink-subtle); font-weight: 600; }
.step__num {
  width: 21px; height: 21px; border-radius: 999px; display: grid; place-items: center;
  background: var(--surface-sunken); color: var(--ink-subtle); font-size: 11px; font-weight: 700;
  border: 1px solid var(--line-strong);
}
.step[aria-current="step"] { color: var(--ink); }
.step[aria-current="step"] .step__num { background: var(--navy); color: #fff; border-color: var(--navy); }
.step--done { color: var(--positive); }
.step--done .step__num { background: var(--positive-bg); color: var(--positive); border-color: var(--positive-line); }
.step__bar { flex: 1; height: 1px; background: var(--line-strong); max-width: 40px; }

/* Review rows — the "are you sure" surface before money moves. */
.review { border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; }
.review__row { display: flex; justify-content: space-between; gap: 16px; padding: 12px 16px; border-bottom: 1px solid var(--line); font-size: 13.5px; }
.review__row:last-child { border-bottom: 0; }
.review__row dt { color: var(--ink-muted); margin: 0; }
.review__row dd { margin: 0; font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; }
.review__row--total { background: var(--surface-sunken); font-size: 15px; }
.review__row--total dd { font-size: 17px; font-weight: 700; }

/* ---------- Dialog ---------- */
.dialog-backdrop {
  position: fixed; inset: 0; background: var(--backdrop);
  display: none; align-items: center; justify-content: center; padding: 20px; z-index: 100;
}
.dialog-backdrop.open { display: flex; }
.dialog {
  background: var(--surface-raised); border-radius: var(--r-lg); box-shadow: var(--shadow-3);
  width: 100%; max-width: 460px; max-height: 90vh; overflow-y: auto;
}
.dialog__hd { display: flex; align-items: center; justify-content: space-between; padding: 16px 18px; border-bottom: 1px solid var(--line); }
.dialog__bd { padding: 18px; }
.dialog__ft { padding: 14px 18px; border-top: 1px solid var(--line); display: flex; gap: 8px; justify-content: flex-end; }

/* Card art lives in assets/css/paycard.css — shared with the marketing pages. */

/* ---------- Utility ---------- */
.muted { color: var(--ink-muted); }
.subtle { color: var(--ink-subtle); }
.small { font-size: 12.5px; }
.pos { color: var(--positive); }
.neg { color: var(--negative); }
.row { display: flex; align-items: center; gap: 10px; }
.between { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.stack > * + * { margin-top: 16px; }
.stack-sm > * + * { margin-top: 8px; }
.hidden { display: none !important; }
.spin { animation: qb-spin 1s linear infinite; }
@keyframes qb-spin { to { transform: rotate(360deg); } }
.skeleton { background: linear-gradient(90deg, var(--skeleton-a) 25%, var(--skeleton-b) 37%, var(--skeleton-a) 63%);
  background-size: 400% 100%; animation: qb-sk 1.4s ease infinite; border-radius: var(--r); }
@keyframes qb-sk { 0% { background-position: 100% 50%; } 100% { background-position: 0 50%; } }
.empty { padding: 40px 20px; text-align: center; color: var(--ink-muted); }
.empty .material-symbols-outlined { font-size: 40px; color: var(--line-strong); }

.material-symbols-outlined { font-variation-settings: 'FILL' 0, 'wght' 400, 'GRAD' 0, 'opsz' 24; vertical-align: middle; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .app { grid-template-columns: 1fr; }
  .sidebar { position: fixed; inset: 0 auto 0 0; width: 82%; max-width: var(--sidebar-w);
    transform: translateX(-100%); transition: transform .2s ease; z-index: 90; }
  .sidebar.open { transform: none; }
  .content { padding: 16px; }
  .topbar { padding: 0 16px; }
}
@media (min-width: 861px) { .menu-toggle { display: none; } }