:root{
  --boa-red:#E31837;
  --boa-red-dark:#B0102B;
  --boa-navy:#012169;
  --boa-navy-2:#04124a;
  --bg:#f2f3f5;
  --card:#ffffff;
  --text:#1a1a1a;
  --muted:#6b7280;
  --border:#e5e7eb;
  --green:#0a8f3c;
  --green-bg:#e8f7ee;
  --red-bg:#fdecef;
  --amber-bg:#fff6e5;
  --amber-text:#9a6b00;
  --radius:10px;
  --shadow: 0 1px 2px rgba(16,24,40,.06), 0 1px 3px rgba(16,24,40,.08);
}
*{box-sizing:border-box;}
body{margin:0;font-family:'Segoe UI',Helvetica,Arial,sans-serif;background:var(--bg);color:var(--text);}
a{text-decoration:none;color:inherit;}
ul{list-style:none;margin:0;padding:0;}
h1,h2,h3{margin:0;}
button{font-family:inherit;}

/* ---------- Top Bar ---------- */
.topbar{
  background:var(--boa-navy);
  color:#fff;
  display:flex;align-items:center;justify-content:space-between;
  padding:10px 20px;
  position:sticky;top:0;z-index:50;
}
.topbar-left{display:flex;align-items:center;gap:14px;}
.menu-btn{
  display:none;background:none;border:none;color:#fff;font-size:22px;cursor:pointer;padding:4px 8px;
}
.brand{display:flex;align-items:center;gap:8px;font-weight:700;font-size:19px;}
.brand .logo-mark{
  width:26px;height:26px;background:var(--boa-red);border-radius:4px;
  display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;
}
.brand span.of{font-weight:400;color:#c9d2f0;font-size:13px;margin-left:2px;}
.topbar-right{display:flex;align-items:center;gap:18px;font-size:13px;}
.topbar-right .divider{width:1px;height:18px;background:rgba(255,255,255,.25);}
.avatar{
  width:30px;height:30px;border-radius:50%;background:var(--boa-red);
  display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;
}
.topbar-right .hide-sm{display:inline;}

/* ---------- Layout ---------- */
.layout{display:flex;min-height:calc(100vh - 68px);position:relative;}

.sidebar{
  width:230px;flex-shrink:0;background:#fff;border-right:1px solid var(--border);
  padding:18px 0;transition:transform .25s ease;
}
.sidebar .section-label{
  font-size:11px;text-transform:uppercase;color:var(--muted);letter-spacing:.6px;
  padding:14px 20px 6px;font-weight:700;
}
.sidebar li a{
  display:flex;align-items:center;gap:10px;padding:10px 20px;font-size:14px;color:#374151;
  border-left:3px solid transparent;font-weight:500;
}
.sidebar li a .ic{width:18px;text-align:center;}
.sidebar li a.active{
  background:var(--red-bg);color:var(--boa-red-dark);border-left-color:var(--boa-red);font-weight:700;
}
.sidebar li a:hover{background:#f7f7f8;}

.overlay{
  display:none;position:fixed;inset:0;background:rgba(0,0,0,.4);z-index:39;
}

main{flex:1;padding:22px;min-width:0;}

.page-title{display:flex;align-items:baseline;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-bottom:18px;}
.page-title h1{font-size:22px;margin:0;}
.page-title p{margin:2px 0 0;color:var(--muted);font-size:13px;}
.btn{
  background:var(--boa-red);color:#fff;border:none;padding:10px 18px;border-radius:6px;
  font-size:13px;font-weight:700;cursor:pointer;
}
.btn.secondary{background:#fff;color:var(--boa-navy);border:1px solid var(--border);}
.btn.small{padding:6px 12px;font-size:12px;}
.btn.block{width:100%;}
.actions-row{display:flex;gap:10px;flex-wrap:wrap;}

/* ---------- Summary strip ---------- */
.summary-strip{
  background:linear-gradient(120deg,var(--boa-navy),var(--boa-navy-2));
  border-radius:var(--radius);color:#fff;padding:22px;display:flex;flex-wrap:wrap;gap:26px;
  margin-bottom:20px;
}
.summary-item .label{font-size:12px;color:#c9d2f0;margin-bottom:4px;}
.summary-item .value{font-size:24px;font-weight:700;}
.summary-item .delta{font-size:12px;margin-top:3px;}
.delta.up{color:#7be3a0;}
.delta.down{color:#ff9aa8;}

/* ---------- Grid & Cards ---------- */
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:20px;}
.grid.cols-3{grid-template-columns:repeat(3,1fr);}
.grid.cols-2{grid-template-columns:repeat(2,1fr);}
.card{
  background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);
  border:1px solid var(--border);padding:18px;
}
.acct-card .row1{display:flex;justify-content:space-between;align-items:flex-start;}
.acct-card .acct-type{
  font-size:11px;font-weight:700;letter-spacing:.4px;color:var(--boa-red-dark);
  background:var(--red-bg);padding:3px 8px;border-radius:20px;
}
.acct-card .acct-name{font-size:14px;font-weight:700;margin:10px 0 2px;}
.acct-card .acct-num{font-size:12px;color:var(--muted);margin-bottom:14px;}
.acct-card .balance{font-size:24px;font-weight:800;}
.acct-card .available{font-size:12px;color:var(--muted);margin-top:3px;}
.icon-badge{
  width:34px;height:34px;border-radius:8px;background:var(--boa-navy);
  display:flex;align-items:center;justify-content:center;color:#fff;font-size:15px;flex-shrink:0;
}

.content-grid{display:grid;grid-template-columns:2fr 1fr;gap:16px;align-items:start;}

.card h2{font-size:15px;margin:0 0 14px;}
.card .card-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;flex-wrap:wrap;gap:8px;}
.card .card-head a{font-size:12px;color:var(--boa-red-dark);font-weight:700;}

/* ---------- Table ---------- */
table{width:100%;border-collapse:collapse;font-size:13px;}
th{
  text-align:left;color:var(--muted);font-weight:600;font-size:11px;text-transform:uppercase;
  padding:8px 6px;border-bottom:1px solid var(--border);
}
td{padding:11px 6px;border-bottom:1px solid #f0f1f3;}
tr:last-child td{border-bottom:none;}
.table-scroll{overflow-x:auto;}
.merchant{display:flex;align-items:center;gap:10px;}
.merchant .m-ic{
  width:32px;height:32px;border-radius:8px;background:#eef1f8;display:flex;align-items:center;
  justify-content:center;font-size:14px;flex-shrink:0;
}
.merchant .m-name{font-weight:600;}
.merchant .m-cat{font-size:11px;color:var(--muted);}
.amt.debit{color:#1a1a1a;font-weight:700;}
.amt.credit{color:var(--green);font-weight:700;}
.status-pill{
  font-size:10px;font-weight:700;padding:3px 8px;border-radius:20px;background:var(--green-bg);color:var(--green);
  white-space:nowrap;
}
.status-pill.pending{background:var(--amber-bg);color:var(--amber-text);}
.status-pill.due{background:var(--red-bg);color:var(--boa-red-dark);}

/* ---------- Quick actions ---------- */
.quick-actions{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px;}
.qa-btn{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:16px 8px;
  text-align:center;cursor:pointer;box-shadow:var(--shadow);
}
.qa-btn .ic{font-size:20px;margin-bottom:6px;}
.qa-btn .lbl{font-size:12px;font-weight:600;}

/* ---------- Progress / Goals ---------- */
.goal-row{margin-bottom:16px;}
.goal-row .goal-top{display:flex;justify-content:space-between;font-size:13px;margin-bottom:6px;}
.goal-row .bar{height:8px;background:#eef0f3;border-radius:6px;overflow:hidden;}
.goal-row .bar span{display:block;height:100%;background:var(--boa-red);border-radius:6px;}

/* ---------- Forms ---------- */
.form-group{margin-bottom:16px;}
.form-group label{display:block;font-size:12px;font-weight:700;color:#374151;margin-bottom:6px;}
.form-group .hint{font-size:11px;color:var(--muted);margin-top:5px;}
.form-control{
  width:100%;padding:10px 12px;border:1px solid var(--border);border-radius:6px;font-size:14px;
  background:#fff;color:var(--text);
}
.form-control:focus{outline:2px solid var(--boa-navy);outline-offset:1px;border-color:var(--boa-navy);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
select.form-control{appearance:none;background-image:linear-gradient(45deg,transparent 50%,#6b7280 50%),linear-gradient(135deg,#6b7280 50%,transparent 50%);background-position:calc(100% - 18px) center,calc(100% - 13px) center;background-size:5px 5px,5px 5px;background-repeat:no-repeat;}

.toggle{position:relative;display:inline-block;width:42px;height:24px;flex-shrink:0;}
.toggle input{opacity:0;width:0;height:0;}
.toggle .slider{position:absolute;inset:0;background:#d1d5db;border-radius:24px;transition:.2s;cursor:pointer;}
.toggle .slider:before{content:"";position:absolute;height:18px;width:18px;left:3px;top:3px;background:#fff;border-radius:50%;transition:.2s;}
.toggle input:checked + .slider{background:var(--boa-red);}
.toggle input:checked + .slider:before{transform:translateX(18px);}
.setting-row{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid #f0f1f3;}
.setting-row:last-child{border-bottom:none;}
.setting-row .stitle{font-size:14px;font-weight:600;}
.setting-row .sdesc{font-size:12px;color:var(--muted);margin-top:2px;}

/* ---------- Tabs ---------- */
.tabs{display:flex;gap:4px;border-bottom:1px solid var(--border);margin-bottom:18px;overflow-x:auto;}
.tab{padding:10px 16px;font-size:13px;font-weight:600;color:var(--muted);cursor:pointer;border-bottom:2px solid transparent;white-space:nowrap;}
.tab.active{color:var(--boa-red-dark);border-bottom-color:var(--boa-red);}

/* ---------- Messages / Inbox ---------- */
.inbox{display:grid;grid-template-columns:320px 1fr;gap:16px;}
.msg-list-item{display:flex;gap:10px;padding:12px;border-radius:8px;cursor:pointer;border:1px solid transparent;}
.msg-list-item.active{background:var(--red-bg);border-color:#f4c6cd;}
.msg-list-item:hover{background:#f7f7f8;}
.msg-list-item .m-top{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);}
.msg-list-item .m-subject{font-size:13px;font-weight:700;margin:2px 0;}
.msg-list-item .m-preview{font-size:12px;color:var(--muted);overflow:hidden;text-overflow:ellipsis;white-space:nowrap;}
.unread-dot{width:8px;height:8px;border-radius:50%;background:var(--boa-red);flex-shrink:0;margin-top:5px;}
.msg-thread .bubble{background:#f7f7f8;border-radius:10px;padding:14px 16px;margin-bottom:14px;font-size:13px;line-height:1.5;}
.msg-thread .bubble.me{background:var(--boa-navy);color:#fff;margin-left:15%;}

/* ---------- Map / Locator ---------- */
.map-stub{
  height:320px;border-radius:var(--radius);position:relative;overflow:hidden;
  background:
    linear-gradient(#eef1f6,#eef1f6),
    repeating-linear-gradient(0deg, rgba(148,163,184,.35) 0 1px, transparent 1px 40px),
    repeating-linear-gradient(90deg, rgba(148,163,184,.35) 0 1px, transparent 1px 40px);
  border:1px solid var(--border);
}
.map-pin{
  position:absolute;width:26px;height:26px;background:var(--boa-red);border:3px solid #fff;border-radius:50% 50% 50% 0;
  transform:rotate(-45deg);box-shadow:0 2px 6px rgba(0,0,0,.3);
}
.map-pin.you{background:var(--boa-navy);}
.branch-item{display:flex;justify-content:space-between;align-items:flex-start;gap:10px;padding:14px 0;border-bottom:1px solid #f0f1f3;}
.branch-item:last-child{border-bottom:none;}
.branch-item .b-name{font-weight:700;font-size:13px;}
.branch-item .b-addr{font-size:12px;color:var(--muted);margin-top:2px;}
.branch-item .b-hours{font-size:11px;color:var(--green);margin-top:4px;font-weight:600;}
.branch-item .b-dist{font-size:12px;font-weight:700;color:var(--boa-navy);white-space:nowrap;}

footer{text-align:center;color:var(--muted);font-size:12px;padding:24px 20px 30px;}

/* ---------- Responsive ---------- */
@media (max-width:1100px){
  .grid, .grid.cols-3, .grid.cols-2{grid-template-columns:repeat(2,1fr);}
  .content-grid{grid-template-columns:1fr;}
  .quick-actions{grid-template-columns:repeat(4,1fr);}
  .inbox{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
}
@media (max-width:800px){
  .menu-btn{display:inline-block;}
  .topbar-right .hide-sm{display:none;}
  .sidebar{
    position:fixed;top:0;left:0;bottom:0;transform:translateX(-100%);z-index:40;
    box-shadow:0 0 20px rgba(0,0,0,.25);padding-top:60px;overflow-y:auto;
  }
  .sidebar.open{transform:translateX(0);}
  .overlay.open{display:block;}
  main{padding:16px;}
  .grid, .grid.cols-3, .grid.cols-2{grid-template-columns:1fr 1fr;}
  .summary-strip{gap:16px;padding:18px;}
  .summary-item .value{font-size:20px;}
}
@media (max-width:520px){
  .grid, .grid.cols-3, .grid.cols-2{grid-template-columns:1fr;}
  .quick-actions{grid-template-columns:repeat(2,1fr);}
  .summary-strip{flex-direction:column;gap:14px;}
  table{font-size:12px;}
  .merchant .m-ic{width:28px;height:28px;}
  th.hide-mobile, td.hide-mobile{display:none;}
}

/* =====================================================
   AUTH SCREENS (Sign In / Enroll / Verify / Reset)
===================================================== */
.auth-page-outer{
  min-height:100vh;
  background:
    radial-gradient(1100px 600px at 15% -10%, rgba(227,24,55,.25), transparent 60%),
    linear-gradient(135deg,var(--boa-navy),var(--boa-navy-2));
  display:flex;align-items:center;justify-content:center;padding:28px 16px;
}
.auth-shell{width:100%;max-width:440px;}
.auth-brand{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:800;font-size:20px;margin-bottom:18px;}
.auth-brand .logo-mark{width:28px;height:28px;background:var(--boa-red);border-radius:5px;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:800;}
.auth-card{background:#fff;border-radius:14px;box-shadow:0 20px 45px rgba(1,10,40,.35);padding:32px;width:100%;}
.auth-card.wide{max-width:560px;}
.auth-title{font-size:21px;font-weight:800;margin-bottom:4px;color:var(--text);}
.auth-sub{font-size:13px;color:var(--muted);margin-bottom:24px;line-height:1.5;}
.auth-footer-links{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;font-size:12.5px;margin-top:18px;}
.auth-footer-links a{color:var(--boa-red-dark);font-weight:700;}
.auth-divider{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.4px;margin:22px 0;}
.auth-divider::before,.auth-divider::after{content:"";flex:1;height:1px;background:var(--border);}
.auth-enroll-box{border:1px solid var(--border);border-radius:10px;padding:16px;text-align:center;}
.auth-enroll-box p{font-size:12.5px;color:var(--muted);margin:4px 0 12px;}
.auth-back-link{display:inline-flex;align-items:center;gap:6px;font-size:12.5px;color:#c9d2f0;margin-bottom:14px;font-weight:600;}
.auth-back-link:hover{color:#fff;}

.check-row{display:flex;align-items:center;gap:8px;font-size:13px;color:#374151;margin:4px 0 18px;}
.check-row input{width:16px;height:16px;accent-color:var(--boa-red);}

.step-indicator{display:flex;gap:6px;margin-bottom:22px;}
.step-indicator .dot{flex:1;height:4px;border-radius:4px;background:#e5e7eb;}
.step-indicator .dot.active,.step-indicator .dot.done{background:var(--boa-red);}
.step-label{font-size:11px;font-weight:700;color:var(--boa-red-dark);text-transform:uppercase;letter-spacing:.5px;margin-bottom:6px;}

.auth-step{display:none;}
.auth-step.active{display:block;}
.step-btn-row{display:flex;gap:10px;margin-top:8px;}
.step-btn-row .btn{flex:1;}

.otp-inputs{display:flex;gap:10px;justify-content:center;margin:20px 0 8px;}
.otp-inputs input{
  width:46px;height:54px;text-align:center;font-size:20px;font-weight:700;
  border:1px solid var(--border);border-radius:8px;background:#fafafa;
}
.otp-inputs input:focus{outline:2px solid var(--boa-navy);border-color:var(--boa-navy);background:#fff;}
.otp-meta{text-align:center;font-size:12.5px;color:var(--muted);margin-bottom:22px;}
.otp-meta a{color:var(--boa-red-dark);font-weight:700;}

.strength-meter{display:flex;gap:4px;margin:6px 0 4px;}
.strength-meter span{flex:1;height:4px;border-radius:4px;background:#e5e7eb;}
.pw-tip{font-size:11.5px;color:var(--muted);margin-bottom:14px;}

.success-box{display:none;text-align:center;padding:6px 0 4px;}
.success-box.active{display:block;}
.success-icon{
  width:56px;height:56px;border-radius:50%;background:var(--green-bg);color:var(--green);
  display:flex;align-items:center;justify-content:center;font-size:26px;margin:0 auto 16px;
}

@media (max-width:480px){
  .auth-card{padding:24px 18px;border-radius:12px;}
  .otp-inputs input{width:40px;height:48px;font-size:18px;}
  .auth-footer-links{flex-direction:column;text-align:center;}
}