/* ==========================================================================
   UMBRA PAY — LANDING PAGE
   Conversion-focused. Premium. Mobile-first.
   ========================================================================== */
:root {
  --bg-base:        #07070a;
  --bg-card:        #0e0e12;
  --bg-card-2:      #14141a;
  --bg-elev:        #1a1a20;

  --border-subtle:  rgba(255, 255, 255, 0.06);
  --border-soft:    rgba(255, 255, 255, 0.10);
  --border-strong:  rgba(255, 255, 255, 0.15);

  --text-primary:   #f4f4f6;
  --text-secondary: #a8a8b3;
  --text-muted:     #6b6b78;

  --accent:         #b8d4ff;
  --accent-soft:    rgba(184, 212, 255, 0.14);
  --accent-glow:    rgba(184, 212, 255, 0.40);
  --accent-deep:    #6f9eff;

  --success:        #4ade80;

  --r-md: 12px;
  --r-lg: 16px;
  --r-xl: 20px;
  --r-2xl: 28px;

  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

*, *::before, *::after { box-sizing: border-box; }

html, body {
  margin: 0; padding: 0;
  background: var(--bg-base);
  color: var(--text-primary);
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  letter-spacing: -0.01em;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }

/* Background atmosphere */
.bg-grid {
  position: fixed; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, black 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 0%, black 30%, transparent 75%);
  pointer-events: none;
  z-index: 0;
}

.bg-glow {
  position: fixed;
  top: -200px; left: 50%;
  width: 900px; height: 900px;
  transform: translateX(-50%);
  background: radial-gradient(circle, rgba(111, 158, 255, 0.10), transparent 60%);
  filter: blur(60px);
  pointer-events: none;
  z-index: 0;
  animation: drift 18s ease-in-out infinite;
}
@keyframes drift {
  0%, 100% { transform: translate(-50%, 0); }
  50%      { transform: translate(-50%, 40px); }
}

/* ==========================================================================
   NAV
   ========================================================================== */
.nav {
  position: sticky; top: 0;
  z-index: 50;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 32px;
  backdrop-filter: blur(20px);
  background: rgba(7, 7, 10, 0.7);
  border-bottom: 1px solid var(--border-subtle);
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 16px;
  letter-spacing: -0.01em;
}
.brand-mark {
  width: 32px; height: 32px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--accent), var(--accent-deep));
  color: #07070a;
  display: grid; place-items: center;
  box-shadow: 0 0 20px var(--accent-glow);
}
.brand-mark.small { width: 22px; height: 22px; border-radius: 8px; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  padding: 8px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: 999px;
  transition: color 160ms, background 160ms;
}
.nav-links a:hover { color: var(--text-primary); }
.nav-links a.nav-cta {
  background: var(--accent);
  color: #07070a;
  font-weight: 600;
  padding: 9px 16px;
  box-shadow: 0 0 20px var(--accent-glow);
}
.nav-links a.nav-cta:hover {
  background: #fff;
}

@media (max-width: 640px) {
  .nav { padding: 14px 20px; }
  .nav-links a:not(.nav-cta) { display: none; }
}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero {
  position: relative;
  z-index: 1;
  max-width: 920px;
  margin: 0 auto;
  padding: 80px 24px 40px;
  text-align: center;
}

.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  border: 1px solid var(--border-soft);
  background: rgba(255, 255, 255, 0.02);
  backdrop-filter: blur(10px);
  border-radius: 999px;
  font-size: 12px;
  font-weight: 500;
  color: var(--text-secondary);
  margin-bottom: 28px;
}
.hero-pill-dot {
  width: 6px; height: 6px;
  background: var(--success);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--success);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50%      { opacity: 0.4; }
}

.hero-title {
  font-size: clamp(44px, 7vw, 88px);
  font-weight: 700;
  line-height: 0.98;
  letter-spacing: -0.04em;
  margin: 0 0 24px;
  background: linear-gradient(180deg, #ffffff 30%, #9da0a8 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.hero-title em {
  font-style: italic;
  font-weight: 600;
  background: linear-gradient(135deg, var(--accent), var(--accent-deep));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-sub {
  font-size: 18px;
  color: var(--text-secondary);
  max-width: 640px;
  margin: 0 auto 36px;
  line-height: 1.55;
}

.hero-trust {
  margin-top: 18px;
  display: inline-flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  color: var(--text-muted);
}
.hero-trust .dot-sep { opacity: 0.4; }

@media (max-width: 640px) {
  .hero { padding: 48px 20px 32px; }
  .hero-sub { font-size: 16px; }
}

/* ==========================================================================
   WAITLIST FORM
   ========================================================================== */
.waitlist {
  display: flex;
  gap: 8px;
  max-width: 480px;
  margin: 0 auto;
  background: var(--bg-card);
  border: 1px solid var(--border-soft);
  border-radius: 14px;
  padding: 6px;
  transition: border-color 160ms, box-shadow 160ms;
}
.waitlist:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
}

.waitlist input {
  flex: 1;
  background: transparent;
  border: 0;
  outline: 0;
  color: var(--text-primary);
  font-family: inherit;
  font-size: 15px;
  padding: 12px 14px;
  min-width: 0;
}
.waitlist input::placeholder { color: var(--text-muted); }

.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 20px;
  background: linear-gradient(180deg, #ffffff 0%, #d8d8de 100%);
  color: #07070a;
  border: 0;
  border-radius: 10px;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: transform 160ms, box-shadow 160ms;
  white-space: nowrap;
  box-shadow: 0 1px 0 rgba(255,255,255,0.4) inset, 0 6px 16px rgba(0,0,0,0.4);
}
.btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 1px 0 rgba(255,255,255,0.4) inset, 0 10px 24px rgba(0,0,0,0.5);
}
.btn-primary:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

.waitlist-lg { max-width: 540px; }
.waitlist-lg input { font-size: 16px; padding: 14px 16px; }
.waitlist-lg .btn-primary { padding: 14px 24px; font-size: 15px; }

.waitlist-msg {
  margin-top: 14px;
  font-size: 14px;
  font-weight: 500;
  text-align: center;
  min-height: 22px;
  transition: color 200ms;
}
.waitlist-msg.success { color: var(--success); }
.waitlist-msg.error { color: #f87171; }

@media (max-width: 520px) {
  .waitlist { flex-direction: column; padding: 8px; }
  .waitlist input { padding: 14px; }
  .btn-primary { width: 100%; padding: 14px; }
}

/* ==========================================================================
   PRODUCT PREVIEW
   ========================================================================== */
.preview-wrap {
  position: relative;
  z-index: 1;
  padding: 40px 24px 80px;
  max-width: 1100px;
  margin: 0 auto;
}

.preview {
  position: relative;
}
.preview::before {
  content: '';
  position: absolute;
  inset: -40px;
  background: radial-gradient(ellipse at center, var(--accent-glow), transparent 70%);
  opacity: 0.5;
  z-index: -1;
  filter: blur(40px);
}

.preview-window {
  background: linear-gradient(180deg, var(--bg-card) 0%, var(--bg-card-2) 100%);
  border: 1px solid var(--border-soft);
  border-radius: var(--r-2xl);
  overflow: hidden;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.05) inset,
    0 24px 80px rgba(0,0,0,0.6);
}

.preview-bar {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 14px 18px;
  border-bottom: 1px solid var(--border-subtle);
  background: rgba(0,0,0,0.3);
}
.preview-bar .dot {
  width: 11px; height: 11px;
  border-radius: 50%;
}
.preview-bar .dot-r { background: #ff5f57; }
.preview-bar .dot-y { background: #febc2e; }
.preview-bar .dot-g { background: #28c841; }
.preview-bar .preview-url {
  margin-left: 16px;
  font-size: 12px;
  color: var(--text-muted);
  font-family: 'JetBrains Mono', monospace;
}

.preview-body {
  display: grid;
  grid-template-columns: 1fr 80px 1.4fr;
  gap: 0;
  padding: 32px;
  align-items: center;
  min-height: 280px;
}

.prv-source {
  background: linear-gradient(135deg, var(--accent), var(--accent-deep));
  color: #07070a;
  padding: 24px;
  border-radius: var(--r-lg);
  text-align: center;
  box-shadow: 0 8px 30px var(--accent-glow);
}
.prv-label {
  display: block;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  opacity: 0.7;
  margin-bottom: 8px;
}
.prv-amt {
  display: block;
  font-size: 30px;
  font-weight: 700;
  font-family: 'JetBrains Mono', monospace;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.prv-cad {
  font-size: 11px;
  font-weight: 600;
  opacity: 0.7;
}

.prv-flow { height: 100%; min-height: 200px; }
.prv-flow-svg {
  width: 100%;
  height: 100%;
}
.flow-line {
  fill: none;
  stroke: var(--accent);
  stroke-width: 1.5;
  stroke-dasharray: 4 4;
  opacity: 0.4;
  animation: flowDash 2s linear infinite;
}
@keyframes flowDash {
  to { stroke-dashoffset: -16; }
}

.prv-vaults {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.prv-vault {
  display: grid;
  grid-template-columns: 8px 1fr auto auto;
  gap: 12px;
  align-items: center;
  padding: 12px 16px;
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: 10px;
  animation: slideIn 600ms var(--ease-out) backwards;
  animation-delay: var(--d, 0s);
}
@keyframes slideIn {
  from { opacity: 0; transform: translateX(-12px); }
  to   { opacity: 1; transform: translateX(0); }
}
.prv-vault .vd {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--c);
  box-shadow: 0 0 12px var(--c);
}
.prv-vault .vn { font-size: 14px; font-weight: 500; }
.prv-vault .vp {
  font-family: 'JetBrains Mono', monospace;
  font-size: 11px;
  color: var(--text-muted);
  font-weight: 600;
}
.prv-vault .va {
  font-family: 'JetBrains Mono', monospace;
  font-size: 14px;
  font-weight: 700;
}

@media (max-width: 720px) {
  .preview-body {
    grid-template-columns: 1fr;
    padding: 20px;
    gap: 20px;
  }
  .prv-flow { display: none; }
  .prv-amt { font-size: 26px; }
}

/* ==========================================================================
   SECTIONS
   ========================================================================== */
.section {
  position: relative;
  z-index: 1;
  padding: 100px 24px;
  max-width: 1200px;
  margin: 0 auto;
}
.section-alt {
  background: linear-gradient(180deg, transparent, rgba(20, 20, 26, 0.6), transparent);
  max-width: none;
  padding-left: 24px;
  padding-right: 24px;
}
.section-alt > * { max-width: 1200px; margin-left: auto; margin-right: auto; }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}

.eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--accent);
  padding: 4px 12px;
  border-radius: 999px;
  background: var(--accent-soft);
  border: 1px solid rgba(184, 212, 255, 0.2);
  margin-bottom: 20px;
}

.section h2 {
  font-size: clamp(32px, 5vw, 56px);
  font-weight: 700;
  line-height: 1.05;
  letter-spacing: -0.03em;
  margin: 0 0 20px;
  background: linear-gradient(180deg, #ffffff 30%, #b0b3bb 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.section h2 em {
  font-style: italic;
  font-weight: 600;
  background: linear-gradient(135deg, var(--accent), var(--accent-deep));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

.section-sub {
  font-size: 17px;
  color: var(--text-secondary);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.55;
}

@media (max-width: 640px) {
  .section { padding: 64px 20px; }
  .section-head { margin-bottom: 40px; }
  .section-sub { font-size: 15px; }
}

/* ==========================================================================
   STEPS
   ========================================================================== */
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.step {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-xl);
  padding: 32px;
  transition: border-color 240ms, transform 240ms;
}
.step:hover {
  border-color: var(--border-strong);
  transform: translateY(-4px);
}

/* Interactive step (button) variant */
button.step.step-interactive {
  font-family: inherit;
  text-align: left;
  cursor: pointer;
  color: inherit;
  width: 100%;
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}
button.step.step-interactive::after {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at top right, var(--accent-glow), transparent 60%);
  opacity: 0;
  pointer-events: none;
  transition: opacity 240ms;
}
button.step.step-interactive:hover {
  border-color: var(--accent);
}
button.step.step-interactive:hover::after {
  opacity: 0.25;
}
.step-cta {
  margin-top: auto;
  padding-top: 18px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--accent);
  position: relative;
}
button.step.step-interactive:hover .step-cta svg {
  transform: translateX(2px);
}
.step-cta svg { transition: transform 240ms; }

.step-num {
  display: inline-block;
  font-family: 'JetBrains Mono', monospace;
  font-size: 13px;
  font-weight: 700;
  color: var(--accent);
  padding: 4px 10px;
  border: 1px solid rgba(184, 212, 255, 0.25);
  border-radius: 8px;
  background: var(--accent-soft);
  margin-bottom: 20px;
  align-self: flex-start;
}
.step h3 {
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.02em;
  margin: 0 0 12px;
}
.step p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 15px;
  line-height: 1.6;
}

/* ==========================================================================
   WHY UMBRA — feature grid
   ========================================================================== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 20px;
}
.why-card {
  background: linear-gradient(180deg, var(--bg-card), var(--bg-card-2));
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-xl);
  padding: 28px;
  transition: border-color 240ms, transform 240ms;
}
.why-card:hover {
  border-color: var(--border-strong);
  transform: translateY(-3px);
}
.why-icon {
  width: 44px; height: 44px;
  border-radius: var(--r-md);
  background: var(--accent-soft);
  border: 1px solid rgba(184, 212, 255, 0.2);
  color: var(--accent);
  display: grid; place-items: center;
  margin-bottom: 18px;
}
.why-card h3 {
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -0.015em;
  margin: 0 0 10px;
}
.why-card p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 14px;
  line-height: 1.6;
}

/* ==========================================================================
   AUDIENCE TAGS
   ========================================================================== */
.audience {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  max-width: 880px;
  margin: 0 auto;
}
.aud-tag {
  padding: 10px 18px;
  background: var(--bg-card);
  border: 1px solid var(--border-soft);
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all 200ms;
}
.aud-tag:hover {
  background: var(--accent-soft);
  border-color: rgba(184, 212, 255, 0.3);
  color: var(--accent);
}

/* ==========================================================================
   FINAL CTA
   ========================================================================== */
.cta {
  position: relative;
  z-index: 1;
  padding: 100px 24px;
}
.cta-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
  background: linear-gradient(180deg, var(--bg-card), var(--bg-card-2));
  border: 1px solid var(--border-soft);
  border-radius: var(--r-2xl);
  padding: 60px 40px;
  position: relative;
  overflow: hidden;
}
.cta-inner::before {
  content: '';
  position: absolute;
  top: -50%; left: 50%;
  transform: translateX(-50%);
  width: 100%; height: 100%;
  background: radial-gradient(ellipse, var(--accent-glow), transparent 60%);
  opacity: 0.5;
  pointer-events: none;
}
.cta-inner > * { position: relative; }

.cta h2 {
  font-size: clamp(32px, 5vw, 48px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin: 0 0 14px;
  background: linear-gradient(180deg, #ffffff 30%, #b0b3bb 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.cta p {
  margin: 0 0 30px;
  color: var(--text-secondary);
  font-size: 16px;
}

@media (max-width: 640px) {
  .cta { padding: 60px 20px; }
  .cta-inner { padding: 40px 24px; }
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer {
  position: relative;
  z-index: 1;
  border-top: 1px solid var(--border-subtle);
  padding: 32px 24px;
  max-width: 1200px;
  margin: 0 auto;
}
.footer-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 20px;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-links {
  display: flex;
  gap: 24px;
  font-size: 13px;
  color: var(--text-secondary);
}
.footer-links a:hover { color: var(--text-primary); }

.footer-fine {
  font-size: 12px;
  color: var(--text-muted);
  margin: 0;
  line-height: 1.6;
  max-width: 720px;
}

/* ==========================================================================
   BANK LINKING MODAL
   ========================================================================== */
.modal {
  position: fixed; inset: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 220ms ease-out;
}
.modal.open {
  opacity: 1;
  pointer-events: auto;
}
.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(7, 7, 10, 0.78);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
}
.modal-card {
  position: relative;
  width: 100%;
  max-width: 720px;
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  background: linear-gradient(180deg, var(--bg-card) 0%, var(--bg-card-2) 100%);
  border: 1px solid var(--border-soft);
  border-radius: var(--r-2xl);
  padding: 40px;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.06) inset,
    0 32px 80px rgba(0,0,0,0.6);
  transform: translateY(12px) scale(0.98);
  transition: transform 280ms cubic-bezier(0.16, 1, 0.3, 1);
}
.modal.open .modal-card {
  transform: translateY(0) scale(1);
}

.modal-close {
  position: absolute;
  top: 16px; right: 16px;
  width: 36px; height: 36px;
  border-radius: 10px;
  background: var(--bg-elev);
  border: 1px solid var(--border-soft);
  color: var(--text-secondary);
  cursor: pointer;
  display: grid; place-items: center;
  transition: all 160ms;
}
.modal-close:hover {
  background: var(--bg-card);
  color: var(--text-primary);
  border-color: var(--border-strong);
}

.modal-head { margin-bottom: 28px; padding-right: 40px; }
.modal-eyebrow {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--accent-soft);
  border: 1px solid rgba(184, 212, 255, 0.2);
  margin-bottom: 14px;
}
.modal-head h3 {
  font-size: 28px;
  font-weight: 700;
  letter-spacing: -0.025em;
  margin: 0 0 10px;
  color: var(--text-primary);
}
.modal-head p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 14px;
  line-height: 1.6;
}

.bank-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(120px, 1fr));
  gap: 10px;
  margin-bottom: 24px;
}
.bank-tile {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  padding: 16px 10px;
  background: var(--bg-elev);
  border: 1px solid var(--border-subtle);
  border-radius: var(--r-md);
  cursor: pointer;
  transition: all 200ms;
  text-align: center;
}
.bank-tile:hover {
  border-color: var(--accent);
  background: var(--bg-card-2);
  transform: translateY(-2px);
}
.bank-logo {
  width: 44px; height: 44px;
  border-radius: 10px;
  display: grid; place-items: center;
  font-family: 'JetBrains Mono', monospace;
  font-weight: 800;
  font-size: 13px;
  color: #07070a;
  background: linear-gradient(135deg, #b8d4ff, #6f9eff);
  letter-spacing: -0.02em;
}
.bank-logo.td  { background: linear-gradient(135deg, #4ade80, #22a86b); }
.bank-logo.sc  { background: linear-gradient(135deg, #f87171, #dc2626); }
.bank-logo.bmo { background: linear-gradient(135deg, #6ee7b7, #2563eb); color: #07070a; }
.bank-logo.ci  { background: linear-gradient(135deg, #fcd34d, #f59e0b); }
.bank-logo.nb  { background: linear-gradient(135deg, #c4b5fd, #7c3aed); color: #fff; }
.bank-logo.tg  { background: linear-gradient(135deg, #fdba74, #f97316); }
.bank-logo.eq  { background: linear-gradient(135deg, #93c5fd, #3b82f6); }
.bank-logo.sm  { background: linear-gradient(135deg, #f9a8d4, #ec4899); }
.bank-logo.dj  { background: linear-gradient(135deg, #6ee7b7, #047857); }
.bank-logo.atb { background: linear-gradient(135deg, #a5f3fc, #0891b2); }
.bank-logo.cc  { background: linear-gradient(135deg, #fcd34d, #65a30d); }
.bank-name {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-secondary);
  line-height: 1.3;
}

.modal-status {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  background: var(--bg-elev);
  border: 1px solid var(--border-soft);
  border-radius: var(--r-md);
  margin-bottom: 20px;
  animation: bucketIn 240ms ease-out;
}
.modal-status .status-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--accent-soft);
  display: grid; place-items: center;
  flex-shrink: 0;
}
.spinner {
  width: 16px; height: 16px;
  border: 2px solid rgba(184, 212, 255, 0.25);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }
.modal-status strong {
  display: block;
  color: var(--text-primary);
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 2px;
}
.modal-status p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 13px;
}

.modal-form {
  display: flex;
  gap: 8px;
  background: var(--bg-elev);
  border: 1px solid var(--border-soft);
  border-radius: 14px;
  padding: 6px;
}
.modal-form:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.modal-form input {
  flex: 1;
  background: transparent;
  border: 0;
  outline: 0;
  color: var(--text-primary);
  font-family: inherit;
  font-size: 14px;
  padding: 10px 14px;
  min-width: 0;
}
.modal-form input::placeholder { color: var(--text-muted); }

.modal-fine {
  margin: 16px 0 0;
  font-size: 11px;
  color: var(--text-muted);
  line-height: 1.6;
}

@keyframes bucketIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

@media (max-width: 640px) {
  .modal { padding: 12px; }
  .modal-card { padding: 28px 22px; border-radius: 20px; }
  .modal-head h3 { font-size: 22px; }
  .modal-form { flex-direction: column; padding: 8px; }
  .modal-form input { padding: 14px; }
  .modal-form .btn-primary { width: 100%; }
}