:root{
  --navy:#0E2A47;
  --navy-deep:#09192C;
  --paper:#FFFFFF;
  --ink:#1C2B39;
  --ink-soft:#5B6B7A;
  --line:#E2E6EA;
  --gold:#B08D57;
}

*{box-sizing:border-box;}
html,body{margin:0; padding:0;}
body{
  font-family:'Inter',system-ui,sans-serif;
  background:var(--paper);
  color:var(--ink);
}
a{text-decoration:none; color:inherit;}
h1,h2,h3{font-family:'Fraunces',serif; font-weight:500; margin:0;}

/* Header */
.site-header{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:20px 52px;
  border-bottom:1px solid var(--line);
}
.logo{
  display:flex;
  align-items:center;
  gap:10px;
  font-family:'Fraunces',serif;
  font-size:19px;
  font-weight:500;
  color:var(--navy);
}
.main-nav{display:flex; gap:32px;}
.main-nav a{
  font-size:14.5px;
  color:var(--ink-soft);
  transition:color .15s ease;
}
.main-nav a:hover{color:var(--navy);}

.btn-login{
  padding:9px 20px;
  border:1px solid var(--navy);
  border-radius:4px;
  font-size:14px;
  font-weight:600;
  color:var(--navy);
  transition:background .15s ease, color .15s ease;
}
.btn-login:hover{background:var(--navy); color:#fff;}

/* Hero */
.hero{
  max-width:620px;
  margin:0 auto;
  padding:88px 24px 56px;
  text-align:center;
}
.demo-tag{
  display:inline-block;
  font-size:12px;
  color:var(--gold);
  background:rgba(176,141,87,0.1);
  border:1px solid rgba(176,141,87,0.35);
  padding:4px 10px;
  border-radius:3px;
  margin-bottom:22px;
}
.hero h1{
  font-size:clamp(32px,4.4vw,46px);
  line-height:1.15;
  margin-bottom:18px;
}
.hero p{
  font-size:16px;
  line-height:1.65;
  color:var(--ink-soft);
  margin-bottom:32px;
}
.hero-actions{
  display:flex;
  gap:14px;
  justify-content:center;
  flex-wrap:wrap;
}
.btn-primary{
  padding:12px 24px;
  background:var(--navy);
  color:#fff;
  border-radius:4px;
  font-size:15px;
  font-weight:600;
  transition:background .15s ease;
}
.btn-primary:hover{background:var(--navy-deep);}
.btn-ghost{
  padding:12px 24px;
  border:1px solid var(--line);
  border-radius:4px;
  font-size:15px;
  font-weight:600;
  color:var(--ink);
  transition:border-color .15s ease;
}
.btn-ghost:hover{border-color:var(--navy);}

/* Strip */
.strip{
  display:flex;
  justify-content:center;
  gap:64px;
  padding:36px 24px;
  background:#F7F9FA;
  border-top:1px solid var(--line);
  border-bottom:1px solid var(--line);
  flex-wrap:wrap;
}
.strip-item{text-align:center;}
.strip-item strong{
  display:block;
  font-family:'Fraunces',serif;
  font-size:22px;
  color:var(--navy);
}
.strip-item span{
  font-size:13px;
  color:var(--ink-soft);
}

/* Offers */
.offers{
  max-width:1040px;
  margin:0 auto;
  padding:72px 24px;
}
.offers h2{
  font-size:28px;
  text-align:center;
  margin-bottom:40px;
}
.offer-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:24px;
}
.offer-card{
  border:1px solid var(--line);
  border-radius:6px;
  padding:28px;
}
.offer-card h3{
  font-size:19px;
  margin-bottom:10px;
}
.offer-card p{
  font-size:14.5px;
  line-height:1.6;
  color:var(--ink-soft);
  margin:0 0 18px;
}
.offer-card a{
  font-size:14px;
  font-weight:600;
  color:var(--navy);
}
.offer-card a:hover{text-decoration:underline;}

/* Footer */
.site-footer{
  padding:40px 52px;
  background:var(--navy-deep);
  color:#C3CEDA;
}
.footer-top{
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:20px;
  margin-bottom:20px;
}
.site-footer .logo{color:#EDF1F5;}
.footer-nav{display:flex; gap:24px;}
.footer-nav a{font-size:13.5px; color:#AEBBC8;}
.footer-nav a:hover{color:#fff;}
.footer-note{
  font-size:12.5px;
  line-height:1.6;
  color:#8FA1B3;
  max-width:640px;
  margin:0;
}

/* Responsive */
@media (max-width: 760px){
  .site-header{padding:16px 20px;}
  .main-nav{display:none;}
  .offer-grid{grid-template-columns:1fr;}
  .site-footer{padding:32px 20px;}
}

/* Dashboard */
.dash{
  max-width:1040px;
  margin:0 auto;
  padding:40px 24px 80px;
}
.dash-hello{
  font-size:28px;
  margin:12px 0 28px;
}

.dash-grid{
  display:grid;
  grid-template-columns:1.6fr 1fr;
  grid-template-rows:auto auto;
  gap:20px;
  margin-bottom:48px;
}
.balance-card{
  grid-row:1 / 3;
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);
  color:#EDF1F5;
  border-radius:8px;
  padding:32px;
  display:flex;
  flex-direction:column;
}
.balance-label{
  font-size:12.5px;
  color:#AEBBC8;
  letter-spacing:0.01em;
}
.balance-amount{
  font-family:'Fraunces',serif;
  font-weight:500;
  font-size:42px;
  margin:14px 0 6px;
}
.balance-sub{
  font-size:13px;
  color:#8FA1B3;
  margin-bottom:28px;
}
.balance-actions{
  margin-top:auto;
  display:flex;
  gap:12px;
  flex-wrap:wrap;
}
.balance-actions .btn-primary{background:var(--gold); color:#1C1304;}
.balance-actions .btn-primary:hover{background:#9C7B49;}
.balance-actions .btn-ghost{border-color:rgba(237,241,245,0.3); color:#EDF1F5;}
.balance-actions .btn-ghost:hover{border-color:#EDF1F5;}

.side-card{
  border:1px solid var(--line);
  border-radius:8px;
  padding:22px 24px;
  display:flex;
  flex-direction:column;
}
.side-card h3{
  font-size:15px;
  margin-bottom:10px;
  color:var(--ink-soft);
  font-family:'Inter',sans-serif;
  font-weight:600;
}
.side-amount{
  font-family:'Fraunces',serif;
  font-size:26px;
  margin-bottom:6px;
}
.card-number{
  font-size:18px;
  letter-spacing:0.04em;
  margin-bottom:8px;
  color:var(--ink);
}
.side-sub{
  font-size:12.5px;
  color:var(--ink-soft);
}

.transactions h2{
  font-size:20px;
  margin-bottom:18px;
}
.tx-table{
  width:100%;
  border-collapse:collapse;
  font-size:14px;
}
.tx-table th{
  text-align:left;
  font-size:12.5px;
  font-weight:600;
  color:var(--ink-soft);
  padding:0 12px 10px;
  border-bottom:1px solid var(--line);
}
.tx-amount-head{text-align:right;}
.tx-table td{
  padding:13px 12px;
  border-bottom:1px solid var(--line);
  color:var(--ink);
}
.tx-amount{
  text-align:right;
  font-variant-numeric:tabular-nums;
  font-weight:600;
}
.tx-amount.positive{color:#1E7A4C;}
.tx-amount.negative{color:var(--ink);}

@media (max-width: 760px){
  .dash-grid{grid-template-columns:1fr;}
  .balance-card{grid-row:auto;}
  .tx-table{display:block; overflow-x:auto;}
}

/* Page loader (circular spinner on page transitions) */
.page-loader{
  position:fixed; inset:0;
  background:rgba(255,255,255,0.92);
  display:none;
  align-items:center;
  justify-content:center;
  z-index:999;
}
.page-loader.show{display:flex;}
.spinner{
  width:46px; height:46px;
  border:3px solid var(--line);
  border-top-color:var(--navy);
  border-radius:50%;
  animation:spin .8s linear infinite;
}
@keyframes spin{to{transform:rotate(360deg);}}

/* 3D virtual card */
.virtual-card-wrap{perspective:800px;}
.virtual-card{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-deep) 70%);
  border-radius:14px;
  padding:18px 20px;
  color:#EDF1F5;
  box-shadow:0 10px 24px rgba(9,25,44,0.35), 0 2px 6px rgba(9,25,44,0.25);
  transform-style:preserve-3d;
  transition:transform .35s ease, box-shadow .35s ease;
  margin:4px 0 12px;
}
.virtual-card:hover{
  transform:perspective(800px) rotateX(6deg) rotateY(-8deg) translateY(-3px);
  box-shadow:0 24px 40px rgba(9,25,44,0.45), 0 6px 14px rgba(9,25,44,0.3);
}
.vc-top{display:flex; justify-content:space-between; align-items:center; margin-bottom:22px;}
.vc-chip{width:30px; height:22px; border-radius:4px; background:linear-gradient(135deg,var(--gold),#8A6C3D);}
.vc-number{font-size:16px; letter-spacing:0.12em; margin-bottom:20px; font-variant-numeric:tabular-nums;}
.vc-bottom{display:flex; justify-content:space-between; font-size:10.5px;}
.vc-label{display:block; color:#AEBBC8; margin-bottom:3px; letter-spacing:0.04em;}
.vc-value{display:block; font-size:12px; letter-spacing:0.03em;}

/* Transfer page */
.back-link{
  display:inline-block;
  font-size:13.5px;
  color:var(--ink-soft);
  margin:16px 0 4px;
}
.back-link:hover{color:var(--navy);}
.transfer-wrap{max-width:520px;}
.transfer-form .field{margin-bottom:18px;}
.transfer-form input{
  width:100%;
  padding:12px 14px;
  font-size:15px;
  font-family:inherit;
  border:1px solid var(--line);
  border-radius:4px;
  outline:none;
  transition:border-color .15s ease, box-shadow .15s ease;
}
.transfer-form input:focus{border-color:var(--navy); box-shadow:0 0 0 3px rgba(14,42,71,0.12);}
.transfer-form label{
  display:block; font-size:13px; font-weight:500; margin-bottom:7px;
}
.transfer-submit{border:none; cursor:pointer; font-family:inherit;}

.pending-badge{
  display:inline-flex; align-items:center; gap:7px;
  background:rgba(176,141,87,0.12);
  border:1px solid rgba(176,141,87,0.4);
  color:#8A6C3D;
  font-size:12.5px; font-weight:600;
  padding:5px 12px; border-radius:20px;
  margin-bottom:16px;
}
.pending-dot{width:7px; height:7px; border-radius:50%; background:var(--gold); animation:pulse 1.4s ease-in-out infinite;}
@keyframes pulse{0%,100%{opacity:1;}50%{opacity:0.25;}}

.status-actions{display:flex; gap:12px; flex-wrap:wrap;}

.no-transfer-msg{padding:40px 0; text-align:center; color:var(--ink-soft);}
.no-transfer-msg p{margin-bottom:18px;}

.conv-summary{
  font-size:15px;
  color:var(--ink-soft);
  margin:4px 0 28px;
}
.conv-summary strong{color:var(--ink);}

.rate-options{max-width:560px;}
.rate-card{
  display:flex;
  align-items:flex-start;
  gap:12px;
  border:1px solid var(--line);
  border-radius:8px;
  padding:16px 18px;
  margin-bottom:12px;
  cursor:pointer;
  transition:border-color .15s ease, background .15s ease;
}
.rate-card:hover{border-color:var(--navy);}
.rate-card:has(input:checked){border-color:var(--navy); background:#F7F9FA;}
.rate-card input{margin-top:3px; accent-color:var(--navy); width:16px; height:16px;}
.rate-card-body{flex:1;}
.rate-card-head{
  display:flex; justify-content:space-between; align-items:baseline; margin-bottom:8px;
}
.rate-name{font-weight:600; font-size:15px;}
.rate-delay{font-size:12.5px; color:var(--ink-soft);}
.rate-card-figures{
  display:flex; gap:20px; font-size:13px; color:var(--ink-soft);
}
.rate-card-figures strong{color:var(--ink);}

.rate-breakdown{
  border:1px solid var(--line);
  border-radius:8px;
  padding:4px 20px;
  margin:20px 0 26px;
}
.rate-breakdown div{
  display:flex; justify-content:space-between; gap:16px;
  padding:12px 0; border-bottom:1px solid var(--line);
}
.rate-breakdown div:last-child{border-bottom:none;}
.rate-breakdown dt{font-size:13px; color:var(--ink-soft); margin:0;}
.rate-breakdown dd{font-size:13.5px; font-weight:600; margin:0; text-align:right;}
.bk-total dd{color:var(--navy); font-size:16px;}

.status-panel{display:none;}
.status-panel.show{display:block;}
.status-panel h2{font-size:22px; margin-bottom:10px;}
.status-note{font-size:14px; color:var(--ink-soft); line-height:1.6; margin-bottom:24px;}
.status-details{
  border:1px solid var(--line);
  border-radius:8px;
  padding:4px 20px;
  margin:0 0 26px;
}
.status-details div{
  display:flex;
  justify-content:space-between;
  padding:13px 0;
  border-bottom:1px solid var(--line);
  gap:16px;
}
.status-details div:last-child{border-bottom:none;}
.status-details dt{font-size:13px; color:var(--ink-soft); margin:0;}
.status-details dd{font-size:13.5px; font-weight:600; margin:0; text-align:right;}

@media (prefers-reduced-motion: reduce){
  *{transition:none !important;}
  .spinner{animation-duration:2s;}
  .pending-dot{animation:none;}
}