/* ==========================================================================
   TrayBank — Educational Banking Demo
   Design language: "the passbook" — deep ledger ink, brass foil, ruled paper
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

:root{
  --ink: #0F1E3A;
  --ink-2: #17335E;
  --ink-3: #223f70;
  --paper: #EFE9DA;
  --paper-2: #F7F3E8;
  --paper-line: #d9cfae;
  --brass: #A9813E;
  --brass-2: #C9A664;
  --brass-soft: #E7D8AE;
  --text: #1B1811;
  --text-soft: #4b4739;
  --white: #FFFFFF;
  --success: #3F6B4E;
  --danger: #8C3B33;

  --serif: 'Fraunces', Georgia, serif;
  --sans: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --mono: 'IBM Plex Mono', 'Courier New', monospace;

  --radius: 2px;
  --container: 1180px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  background:var(--paper);
  color:var(--text);
  font-family:var(--sans);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
ul{ margin:0; padding:0; list-style:none; }
h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  color:var(--ink);
  margin:0 0 .5em;
  letter-spacing:-0.01em;
}
p{ margin:0 0 1em; color:var(--text-soft); }
.container{
  max-width:var(--container);
  margin:0 auto;
  padding:0 28px;
}
:focus-visible{
  outline:3px solid var(--brass);
  outline-offset:2px;
}

/* ---------- ledger rule motif ---------- */
.ledger-rule{
  height:14px;
  background-image:repeating-linear-gradient(
    to right, var(--paper-line) 0, var(--paper-line) 6px, transparent 6px, transparent 14px
  );
  background-position:bottom;
  background-size:100% 1px;
  background-repeat:repeat-x;
}
.eyebrow{
  display:inline-flex;
  align-items:center;
  gap:.6em;
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--brass);
  margin-bottom:14px;
}
.eyebrow::before{
  content:"";
  width:22px; height:1px;
  background:var(--brass);
  display:inline-block;
}

/* ---------- top utility strip ---------- */
.utility-strip{
  background:var(--ink);
  color:var(--paper-2);
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.03em;
}
.utility-strip .container{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding-top:8px;
  padding-bottom:8px;
  gap:12px;
  flex-wrap:wrap;
}
.utility-strip .demo-flag{
  color:var(--brass-2);
}
.utility-strip .u-links{ display:flex; gap:18px; }
.utility-strip .u-links a:hover{ color:var(--brass-2); }

/* ---------- header / nav ---------- */
header.site-header{
  background:var(--paper-2);
  border-bottom:1px solid var(--paper-line);
  position:sticky;
  top:0;
  z-index:50;
}
.nav-wrap{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:16px 28px;
  max-width:var(--container);
  margin:0 auto;
  gap:20px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  font-family:var(--serif);
  font-weight:600;
  font-size:1.25rem;
  color:var(--ink);
}
.brand .seal{
  width:40px; height:40px;
  border-radius:50%;
  background:radial-gradient(circle at 32% 28%, var(--brass-2), var(--brass) 70%);
  color:var(--ink);
  display:flex; align-items:center; justify-content:center;
  font-family:var(--serif);
  font-weight:700;
  font-size:1.05rem;
  border:1px solid var(--brass-soft);
  flex-shrink:0;
}
.brand small{
  display:block;
  font-family:var(--mono);
  font-size:.62rem;
  letter-spacing:.12em;
  color:var(--brass);
  font-weight:500;
  text-transform:uppercase;
}

nav.main-nav{ display:flex; align-items:center; gap:4px; }
nav.main-nav > ul{ display:flex; align-items:center; gap:2px; }
nav.main-nav > ul > li{ position:relative; }
nav.main-nav > ul > li > a, nav.main-nav > ul > li > button{
  font-family:var(--sans);
  font-size:.92rem;
  font-weight:500;
  color:var(--ink);
  padding:10px 14px;
  display:inline-flex;
  align-items:center;
  gap:6px;
  background:none;
  border:none;
  cursor:pointer;
  font:inherit;
}
nav.main-nav > ul > li > a:hover,
nav.main-nav > ul > li > button:hover,
nav.main-nav > ul > li.open > button{
  color:var(--brass);
}
.caret{ font-size:.6rem; transform:translateY(1px); }

.dropdown{
  position:absolute;
  top:100%; left:0;
  min-width:250px;
  background:var(--white);
  border:1px solid var(--paper-line);
  box-shadow:0 18px 40px rgba(15,30,58,.14);
  padding:8px;
  opacity:0;
  visibility:hidden;
  transform:translateY(6px);
  transition:opacity .16s ease, transform .16s ease, visibility .16s;
}
li.has-dropdown.open > .dropdown{
  opacity:1; visibility:visible; transform:translateY(0);
}
.dropdown a{
  display:flex;
  align-items:center;
  gap:10px;
  padding:10px 12px;
  font-size:.88rem;
  color:var(--text);
  border-radius:1px;
}
.dropdown a:hover{ background:var(--paper); color:var(--ink); }
.dropdown a .num{
  font-family:var(--mono);
  font-size:.72rem;
  color:var(--brass);
  width:20px;
}

.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:11px 22px;
  font-family:var(--sans);
  font-weight:600;
  font-size:.88rem;
  border-radius:var(--radius);
  border:1px solid transparent;
  cursor:pointer;
  transition:transform .12s ease, box-shadow .12s ease, background .12s ease, color .12s ease;
  white-space:nowrap;
}
.btn-primary{ background:var(--ink); color:var(--paper-2); }
.btn-primary:hover{ background:var(--ink-3); box-shadow:0 8px 18px rgba(15,30,58,.25); }
.btn-brass{ background:var(--brass); color:var(--ink); }
.btn-brass:hover{ background:var(--brass-2); box-shadow:0 8px 18px rgba(169,129,62,.3); }
.btn-outline{ background:transparent; border-color:var(--ink); color:var(--ink); }
.btn-outline:hover{ background:var(--ink); color:var(--paper-2); }
.btn-outline.on-dark{ border-color:var(--brass-soft); color:var(--paper-2); }
.btn-outline.on-dark:hover{ background:var(--brass); color:var(--ink); border-color:var(--brass); }
.btn-block{ width:100%; justify-content:center; }
.nav-cta{ display:flex; align-items:center; gap:10px; }

.hamburger{
  display:none;
  background:none; border:none; cursor:pointer;
  width:40px; height:40px;
  flex-direction:column; align-items:center; justify-content:center; gap:5px;
}
.hamburger span{ width:22px; height:2px; background:var(--ink); display:block; }

/* ---------- hero ---------- */
.hero{
  background:linear-gradient(180deg, var(--paper-2), var(--paper));
  padding:64px 0 0;
  overflow:hidden;
}
.hero .container{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:48px;
  align-items:center;
  padding-bottom:56px;
}
.hero h1{
  font-size:clamp(2.1rem, 4vw, 3.3rem);
  line-height:1.06;
}
.hero p.lead{ font-size:1.08rem; max-width:46ch; }
.hero-cta{ display:flex; gap:14px; margin-top:26px; flex-wrap:wrap; }

.passbook{
  background:var(--ink);
  color:var(--paper-2);
  border-radius:6px;
  padding:26px 26px 22px;
  position:relative;
  box-shadow:0 30px 60px rgba(15,30,58,.35);
}
.passbook::before{
  content:"";
  position:absolute;
  inset:10px;
  border:1px solid rgba(231,216,174,.25);
  border-radius:3px;
  pointer-events:none;
}
.passbook .pb-head{
  display:flex; justify-content:space-between; align-items:center;
  font-family:var(--mono); font-size:.68rem; letter-spacing:.08em;
  color:var(--brass-2); text-transform:uppercase;
  padding-bottom:14px; margin-bottom:14px;
  border-bottom:1px dashed rgba(231,216,174,.3);
}
.pb-row{
  display:flex; justify-content:space-between; align-items:baseline;
  padding:9px 0;
  font-family:var(--mono);
  font-size:.86rem;
  border-bottom:1px dotted rgba(247,243,232,.14);
}
.pb-row .label{ color:var(--paper-2); opacity:.75; }
.pb-row .amt{ color:var(--brass-2); font-weight:600; font-variant-numeric:tabular-nums; transition:color .3s ease; }
.pb-row .amt.debit{ color:#d99a92; }
.pb-foot{
  margin-top:16px; padding-top:14px;
  display:flex; justify-content:space-between; align-items:center;
}
.pb-foot .bal-label{ font-family:var(--mono); font-size:.7rem; color:var(--paper-2); opacity:.7; text-transform:uppercase; letter-spacing:.08em;}
.pb-foot .bal{ font-family:var(--serif); font-size:1.6rem; color:var(--paper-2); font-weight:600; font-variant-numeric:tabular-nums; }

/* ---------- trust strip ---------- */
.trust-strip{ background:var(--ink); }
.trust-strip .container{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:1px;
  background:rgba(231,216,174,.14);
}
.trust-item{
  background:var(--ink);
  padding:26px 22px;
  text-align:center;
}
.trust-item .num{
  font-family:var(--serif);
  color:var(--brass-2);
  font-size:1.9rem;
  font-weight:600;
}
.trust-item .cap{
  font-family:var(--mono);
  font-size:.68rem;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--paper-2);
  opacity:.75;
}

/* ---------- sections ---------- */
section{ padding:76px 0; }
.section-head{ max-width:640px; margin-bottom:44px; }
.section-head.center{ margin-left:auto; margin-right:auto; text-align:center; }
.section-alt{ background:var(--paper-2); }
.section-ink{ background:var(--ink); color:var(--paper-2); }
.section-ink h2,.section-ink h3,.section-ink h4{ color:var(--paper-2); }
.section-ink p{ color:rgba(247,243,232,.75); }

/* ---------- ledger card grid (accounts / loans) ---------- */
.grid{ display:grid; gap:22px; }
.grid-2{ grid-template-columns:repeat(2,1fr); }
.grid-3{ grid-template-columns:repeat(3,1fr); }
.grid-4{ grid-template-columns:repeat(4,1fr); }

.ledger-card{
  background:var(--white);
  border:1px solid var(--paper-line);
  padding:26px 24px;
  position:relative;
  transition:transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}
.ledger-card:hover{
  transform:translateY(-4px);
  box-shadow:0 20px 34px rgba(15,30,58,.1);
  border-color:var(--brass-soft);
}
.ledger-card .entry-no{
  font-family:var(--mono);
  font-size:.7rem;
  color:var(--brass);
  letter-spacing:.08em;
}
.ledger-card h3{ font-size:1.18rem; margin:10px 0 8px; }
.ledger-card p{ font-size:.92rem; margin-bottom:14px; }
.ledger-card .card-link{
  font-family:var(--mono);
  font-size:.78rem;
  font-weight:600;
  color:var(--ink);
  display:inline-flex; align-items:center; gap:6px;
}
.ledger-card:hover .card-link{ color:var(--brass); }
.ledger-card .icon-mark{
  width:44px; height:44px;
  border:1px solid var(--brass-soft);
  border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  color:var(--brass);
  font-family:var(--serif);
  font-weight:600;
  margin-bottom:14px;
}

/* ---------- dotted key/value rows (rates, features) ---------- */
.kv-list{ margin:0; }
.kv-row{
  display:flex;
  align-items:baseline;
  gap:8px;
  padding:12px 0;
  border-bottom:1px solid var(--paper-line);
}
.kv-row .k{ font-weight:500; color:var(--text); white-space:nowrap; }
.kv-row .fill{
  flex:1;
  border-bottom:1px dotted var(--paper-line);
  transform:translateY(-4px);
}
.kv-row .v{ font-family:var(--mono); color:var(--ink); font-weight:600; white-space:nowrap; }

/* ---------- feature list with brass ticks ---------- */
.tick-list li{
  display:flex; gap:12px; padding:10px 0;
  border-bottom:1px dashed var(--paper-line);
  font-size:.95rem;
  color:var(--text-soft);
}
.tick-list li:last-child{ border-bottom:none; }
.tick-list li::before{
  content:"§";
  font-family:var(--serif);
  color:var(--brass);
  font-weight:700;
}

/* ---------- table ---------- */
.rate-table{ width:100%; border-collapse:collapse; }
.rate-table th,.rate-table td{
  padding:14px 16px;
  text-align:left;
  border-bottom:1px solid var(--paper-line);
  font-size:.92rem;
}
.rate-table thead th{
  font-family:var(--mono);
  font-size:.7rem;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--brass);
  border-bottom:2px solid var(--ink);
}
.rate-table td.num, .rate-table th.num{ font-family:var(--mono); }
.table-wrap{ overflow-x:auto; background:var(--white); border:1px solid var(--paper-line); }

/* ---------- steps ---------- */
.steps{ counter-reset:step; display:grid; grid-template-columns:repeat(4,1fr); gap:22px;}
.step{ position:relative; padding-top:6px; }
.step::before{
  counter-increment:step;
  content:"0" counter(step);
  font-family:var(--mono);
  font-size:.75rem;
  color:var(--brass);
  display:block;
  margin-bottom:10px;
  letter-spacing:.08em;
}
.step h4{ font-size:1.02rem; margin-bottom:6px;}
.step p{ font-size:.88rem; }

/* ---------- FAQ ---------- */
.faq-item{ border-bottom:1px solid var(--paper-line); }
.faq-q{
  width:100%;
  text-align:left;
  background:none; border:none;
  padding:18px 0;
  font-family:var(--sans);
  font-weight:600;
  font-size:.98rem;
  color:var(--ink);
  display:flex; justify-content:space-between; align-items:center;
  cursor:pointer;
}
.faq-q .sign{ font-family:var(--mono); color:var(--brass); }
.faq-a{
  max-height:0;
  overflow:hidden;
  transition:max-height .22s ease;
}
.faq-a p{ padding-bottom:18px; margin:0; font-size:.92rem; }
.faq-item.open .faq-a{ max-height:240px; }
.faq-item.open .faq-q{ color:var(--brass); }

/* ---------- forms ---------- */
.form-panel{
  background:var(--white);
  border:1px solid var(--paper-line);
  padding:34px;
}
.form-row{ display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-bottom:18px; }
.form-field{ display:flex; flex-direction:column; gap:6px; margin-bottom:18px; }
.form-field label{
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--text-soft);
}
.form-field input,
.form-field select,
.form-field textarea{
  font-family:var(--sans);
  font-size:.96rem;
  padding:12px 14px;
  border:1px solid var(--paper-line);
  background:var(--paper-2);
  color:var(--text);
  border-radius:2px;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus{
  outline:none;
  border-color:var(--brass);
  background:var(--white);
}
.form-note{
  font-family:var(--mono);
  font-size:.76rem;
  color:var(--text-soft);
  margin-top:10px;
}
.confirm-panel{
  display:none;
  border:1px solid var(--success);
  background:#eef4ee;
  padding:22px 24px;
  margin-top:22px;
}
.confirm-panel.show{ display:block; }
.confirm-panel .tag{
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--success);
  font-weight:600;
}
.confirm-panel.fail{
  border-color:var(--danger);
  background:#f7ecea;
}
.confirm-panel.fail .tag{ color:var(--danger); }

/* ---------- CTA banner ---------- */
.cta-banner{
  background:var(--ink);
  color:var(--paper-2);
  padding:56px 0;
}
.cta-banner .container{
  display:flex; justify-content:space-between; align-items:center; gap:24px; flex-wrap:wrap;
}
.cta-banner h2{ color:var(--paper-2); margin-bottom:6px; }
.cta-banner p{ color:rgba(247,243,232,.7); margin:0; }

/* ---------- page hero (inner pages) ---------- */
.page-hero{
  background:var(--ink);
  color:var(--paper-2);
  padding:56px 0 44px;
}
.page-hero h1{ color:var(--paper-2); font-size:clamp(1.9rem,3.4vw,2.6rem); }
.page-hero .breadcrumb{
  font-family:var(--mono);
  font-size:.74rem;
  letter-spacing:.06em;
  color:var(--brass-2);
  margin-bottom:16px;
  text-transform:uppercase;
}
.page-hero .breadcrumb a{ color:var(--paper-2); opacity:.7; }
.page-hero .breadcrumb a:hover{ opacity:1; color:var(--brass-2); }
.page-hero .lead{ max-width:60ch; color:rgba(247,243,232,.78); }
.page-hero .icon-mark{ border-color:var(--brass-2); color:var(--brass-2); background:rgba(231,216,174,.08); }

/* ---------- footer ---------- */
footer.site-footer{
  background:var(--ink);
  color:rgba(247,243,232,.7);
  padding-top:56px;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.4fr 1fr 1fr 1fr;
  gap:32px;
  padding-bottom:40px;
  border-bottom:1px solid rgba(231,216,174,.14);
}
.footer-grid h4{
  color:var(--brass-2);
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.1em;
  text-transform:uppercase;
  margin-bottom:16px;
}
.footer-grid ul li{ margin-bottom:10px; }
.footer-grid a{ color:rgba(247,243,232,.72); font-size:.9rem; }
.footer-grid a:hover{ color:var(--brass-2); }
.footer-brand p{ color:rgba(247,243,232,.6); font-size:.88rem; max-width:34ch; }
.footer-bottom{
  padding:22px 0 28px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:16px;
  flex-wrap:wrap;
  font-family:var(--mono);
  font-size:.72rem;
  color:rgba(247,243,232,.5);
}
.disclaimer-banner{
  background:var(--brass-soft);
  color:var(--ink);
  font-family:var(--mono);
  font-size:.76rem;
  text-align:center;
  padding:9px 16px;
  letter-spacing:.02em;
}

/* ---------- card showcase (Visa cards) ---------- */
.card-tile{
  background:var(--white);
  border:1px solid var(--paper-line);
  padding:22px;
  text-align:center;
  transition:transform .16s ease, box-shadow .16s ease, border-color .16s ease;
}
.card-tile:hover{
  transform:translateY(-4px);
  box-shadow:0 20px 34px rgba(15,30,58,.1);
  border-color:var(--brass-soft);
}
.credit-card{
  width:100%;
  max-width:320px;
  aspect-ratio:1.586/1;
  margin:0 auto 20px;
  border-radius:16px;
  padding:20px 22px;
  display:flex;
  flex-direction:column;
  justify-content:space-between;
  position:relative;
  overflow:hidden;
  color:var(--paper-2);
  box-shadow:0 18px 34px rgba(15,30,58,.28);
}
.credit-card::before{
  content:"";
  position:absolute;
  inset:0;
  background-image:repeating-linear-gradient(
    115deg, rgba(255,255,255,.05) 0, rgba(255,255,255,.05) 1px, transparent 1px, transparent 13px
  );
  pointer-events:none;
}
.cc-classic{ background:linear-gradient(135deg, var(--ink-3), var(--ink)); }
.cc-gold{ background:linear-gradient(135deg, var(--brass-2), var(--brass) 60%, #7c5e2e); color:var(--ink); }
.cc-platinum{ background:linear-gradient(135deg, #3a3f47, #14161a 65%); }

.cc-top{ display:flex; justify-content:space-between; align-items:flex-start; }
.cc-tier{
  font-family:var(--mono);
  font-size:.62rem;
  letter-spacing:.1em;
  text-transform:uppercase;
  opacity:.85;
}
.cc-chip{
  width:34px; height:24px;
  border-radius:4px;
  background:linear-gradient(135deg, #e8d9ab, #b9974f);
  position:relative;
}
.cc-chip::before,.cc-chip::after{
  content:"";
  position:absolute;
  left:6px; right:6px;
  height:1px;
  background:rgba(20,20,20,.35);
}
.cc-chip::before{ top:8px; }
.cc-chip::after{ top:15px; }
.cc-number{
  font-family:var(--mono);
  font-size:1.02rem;
  letter-spacing:.12em;
}
.cc-bottom{ display:flex; justify-content:space-between; align-items:flex-end; }
.cc-name{ font-family:var(--mono); font-size:.72rem; letter-spacing:.04em; text-transform:uppercase; }
.cc-expiry{ font-family:var(--mono); font-size:.66rem; opacity:.8; }
.cc-visa{
  font-family:var(--serif);
  font-style:italic;
  font-weight:700;
  font-size:1.15rem;
  letter-spacing:.02em;
}

/* ---------- bitcoin section ---------- */
.btc-coin{
  width:84px; height:84px;
  flex-shrink:0;
}
.btc-panel{
  display:flex;
  align-items:center;
  gap:20px;
  flex-wrap:wrap;
}
.btc-price-tile{
  display:inline-flex;
  align-items:center;
  gap:10px;
  font-family:var(--mono);
  font-size:.82rem;
  color:rgba(247,243,232,.85);
  background:rgba(247,243,232,.06);
  border:1px solid rgba(231,216,174,.2);
  padding:8px 16px;
  border-radius:20px;
  margin-top:14px;
}
.btc-price-tile .val{ color:var(--brass-2); font-weight:600; }
.btc-price-tile.on-light{
  color:var(--text);
  background:var(--paper-2);
  border-color:var(--paper-line);
}
.btc-price-tile.on-light .val{ color:var(--brass); }
.btc-tabs{ display:flex; gap:8px; margin-bottom:22px; flex-wrap:wrap; }
.btc-tab-btn{
  font-family:var(--mono);
  font-size:.78rem;
  letter-spacing:.04em;
  padding:9px 18px;
  border:1px solid var(--paper-line);
  background:var(--white);
  color:var(--text);
  cursor:pointer;
}
.btc-tab-btn:hover{ border-color:var(--brass); color:var(--brass); }
.btc-tab-btn.active{ background:var(--ink); border-color:var(--ink); color:var(--paper-2); }
.btc-tab-panel{ display:none; }
.btc-tab-panel.active{ display:block; }
.btc-address-box{
  background:var(--paper-2);
  border:1px solid var(--paper-line);
  padding:20px 22px;
  margin:18px 0;
}
.btc-address-box .addr{
  font-family:var(--mono);
  font-size:.92rem;
  color:var(--ink);
  word-break:break-all;
  margin-top:8px;
}
.btc-warning{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.04em;
  text-transform:uppercase;
  color:var(--danger);
  border:1px solid rgba(140,59,51,.35);
  background:rgba(140,59,51,.06);
  padding:6px 12px;
  border-radius:20px;
}
.btc-equiv{
  font-family:var(--mono);
  font-size:.8rem;
  color:var(--text-soft);
  margin-top:8px;
}
.btc-equiv .amt{ color:var(--brass); font-weight:600; }

/* ---------- foreign exchange (homepage flag cards) ---------- */
.fx-card-grid{
  display:grid;
  grid-template-columns:repeat(6,1fr);
  gap:16px;
}
.fx-card{
  background:rgba(247,243,232,.05);
  border:1px solid rgba(231,216,174,.18);
  padding:20px 16px;
  text-align:center;
}
.fx-flag{ font-size:2rem; line-height:1; margin-bottom:10px; }
.fx-code{
  font-family:var(--serif);
  font-weight:600;
  font-size:1.05rem;
  color:var(--paper-2);
}
.fx-country{
  font-family:var(--mono);
  font-size:.66rem;
  letter-spacing:.05em;
  text-transform:uppercase;
  color:var(--brass-2);
  margin-bottom:14px;
}
.fx-rate-row{
  display:flex;
  justify-content:space-between;
  font-family:var(--mono);
  font-size:.82rem;
  color:rgba(247,243,232,.85);
  padding:8px 0;
  border-top:1px dashed rgba(231,216,174,.18);
}
.fx-rate-row span:first-child{ color:rgba(247,243,232,.55); text-transform:uppercase; font-size:.68rem; letter-spacing:.05em; }
.fx-note{
  font-family:var(--mono);
  font-size:.74rem;
  color:rgba(247,243,232,.55);
  text-align:center;
  margin-top:22px;
}

/* ---------- balance check result ---------- */
.pb-row .amt.pending{ color:var(--brass-2); }
.pending-tag{
  display:inline-block;
  font-family:var(--mono);
  font-size:.62rem;
  letter-spacing:.08em;
  text-transform:uppercase;
  padding:2px 8px;
  border:1px solid var(--brass-2);
  color:var(--brass-2);
  border-radius:20px;
  margin-left:8px;
  vertical-align:middle;
}

.form-error{
  display:none;
  color:var(--danger);
  font-family:var(--mono);
  font-size:.8rem;
  margin-top:12px;
  padding:10px 12px;
  background:rgba(140,59,51,.08);
  border:1px solid rgba(140,59,51,.3);
}
.form-error.show{ display:block; }

/* ---------- balance check: verifying modal ---------- */
.modal-overlay{
  position:fixed;
  inset:0;
  background:rgba(15,30,58,.6);
  display:none;
  align-items:center;
  justify-content:center;
  padding:20px;
  z-index:300;
}
.modal-overlay.show{ display:flex; }
.modal-box{
  background:var(--white);
  border:1px solid var(--paper-line);
  width:100%;
  max-width:420px;
  padding:34px 30px 28px;
  position:relative;
  box-shadow:0 30px 70px rgba(15,30,58,.4);
}
.modal-close{
  position:absolute;
  top:12px; right:12px;
  background:none;
  border:none;
  font-size:1.3rem;
  line-height:1;
  color:var(--text-soft);
  cursor:pointer;
  padding:6px;
}
.modal-close:hover{ color:var(--brass); }

.modal-state{ display:none; }
.modal-state.show{ display:block; }

.modal-verifying{ text-align:center; padding:14px 0 6px; }
.spinner-ring{
  width:48px; height:48px;
  margin:0 auto 20px;
  border:3px solid var(--paper-line);
  border-top-color:var(--brass);
  border-radius:50%;
  animation:spin .85s linear infinite;
}
@keyframes spin{ to{ transform:rotate(360deg); } }
.modal-verifying .v-title{
  font-family:var(--serif);
  font-size:1.15rem;
  color:var(--ink);
  margin-bottom:8px;
}
.modal-verifying .v-sub{
  font-family:var(--mono);
  font-size:.76rem;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--text-soft);
}
.modal-verifying .v-sub .dots::after{
  content:'';
  animation:dots 1.2s steps(4,end) infinite;
}
@keyframes dots{
  0%{ content:''; } 25%{ content:'.'; } 50%{ content:'..'; } 75%{ content:'...'; } 100%{ content:''; }
}

/* ---------- utility ---------- */
.mt-lg{ margin-top:44px; }
.two-col{ display:grid; grid-template-columns:1.2fr .8fr; gap:48px; align-items:start; }
.pill{
  display:inline-block;
  font-family:var(--mono);
  font-size:.68rem;
  letter-spacing:.08em;
  text-transform:uppercase;
  padding:4px 10px;
  border:1px solid var(--brass);
  color:var(--brass);
  border-radius:20px;
  margin-bottom:10px;
}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .fx-card-grid{ grid-template-columns:repeat(3,1fr); }
  .footer-grid{ grid-template-columns:1fr 1fr; }
  .hero .container{ grid-template-columns:1fr; }
  .passbook{ order:-1; }
  .grid-4{ grid-template-columns:repeat(2,1fr); }
  .grid-3{ grid-template-columns:repeat(2,1fr); }
  .trust-strip .container{ grid-template-columns:repeat(2,1fr); }
  .steps{ grid-template-columns:repeat(2,1fr); }
  .two-col{ grid-template-columns:1fr; }
  .form-row{ grid-template-columns:1fr; }
}
@media (max-width:760px){
  .fx-card-grid{ grid-template-columns:repeat(2,1fr); }
  .hamburger{ display:flex; }
  nav.main-nav{
    position:fixed; inset:0 0 0 auto; top:0;
    width:82%; max-width:340px; height:100vh;
    background:var(--ink);
    padding:90px 22px 22px;
    transform:translateX(100%);
    transition:transform .25s ease;
    overflow-y:auto;
  }
  nav.main-nav.open{ transform:translateX(0); }
  nav.main-nav > ul{ flex-direction:column; align-items:stretch; width:100%; gap:0; }
  nav.main-nav > ul > li{ width:100%; border-bottom:1px solid rgba(231,216,174,.12); }
  nav.main-nav > ul > li > a, nav.main-nav > ul > li > button{
    color:var(--paper-2); width:100%; justify-content:space-between; padding:16px 4px;
  }
  .dropdown{
    position:static; opacity:1; visibility:visible; transform:none;
    display:none; background:rgba(0,0,0,.15); border:none; box-shadow:none;
    width:100%; padding:0 0 10px;
  }
  li.open .dropdown{ display:block; }
  .dropdown a{ color:rgba(247,243,232,.8); }
  .dropdown a:hover{ background:rgba(231,216,174,.08); color:var(--brass-2); }
  .nav-cta{ margin-top:20px; flex-direction:column; width:100%; }
  .grid-2,.grid-3,.grid-4{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:1fr; }
  .footer-grid{ grid-template-columns:1fr; }
  section{ padding:52px 0; }
}