/* ============================================================
   Livo-style Online Banking Theme
   Palette derived from livo-bank-source: navy #223a66, red #e12454
   ============================================================ */
:root {
  --navy: #223a66;
  --navy-dark: #152440;
  --navy-light: #2c4a7c;
  --accent: #e12454;
  --accent-dark: #c11e48;
  --muted: #6f8ba4;
  --bg: #f4f9fc;
  --white: #ffffff;
  --border: #e5edf6;
  --text: #1f2d3d;
  --success: #1e9e6a;
  --warning: #f0a500;
  --danger: #e12454;
  --info: #2f80ed;
  --radius: 16px;
  --shadow: 0 10px 30px rgba(21, 36, 64, 0.06);
  --shadow-sm: 0 4px 14px rgba(21, 36, 64, 0.06);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Nunito", "Segoe UI", Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  font-size: 15px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--accent); }
img { max-width: 100%; }
h1, h2, h3, h4, h5 { color: var(--navy); margin: 0 0 12px; line-height: 1.25; }
h1 { font-size: 1.9rem; }
h2 { font-size: 1.55rem; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 12px; }
small, .small { font-size: 0.82rem; color: var(--muted); }
.icon { flex: 0 0 auto; vertical-align: middle; }

.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px; justify-content: center;
  padding: 10px 18px; border-radius: 10px; border: 1px solid transparent;
  cursor: pointer; font-size: 0.92rem; font-weight: 700; font-family: inherit;
  transition: all .18s ease; text-decoration: none; line-height: 1.2;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); color: #fff; }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: var(--accent-dark); color: #fff; }
.btn-success { background: var(--success); color: #fff; }
.btn-success:hover { background: #15804f; color: #fff; }
.btn-danger { background: var(--danger); color: #fff; }
.btn-danger:hover { background: var(--accent-dark); color: #fff; }
.btn-secondary { background: #eaf1f9; color: var(--navy); }
.btn-secondary:hover { background: #dce8f6; color: var(--navy); }
.btn-outline { background: transparent; border-color: var(--border); color: var(--navy); }
.btn-outline:hover { border-color: var(--navy); }
.btn-sm { padding: 7px 12px; font-size: 0.8rem; border-radius: 8px; }
.btn-block { width: 100%; }

/* ---------- Alerts ---------- */
.alert {
  padding: 13px 16px; border-radius: 12px; margin-bottom: 18px;
  font-size: 0.92rem; border: 1px solid transparent; font-weight: 600;
}
.alert.success { background: #e7f8ef; color: #14724c; border-color: #bfe9d4; }
.alert.error { background: #fdecef; color: #a11238; border-color: #f6c5cf; }
.alert.info { background: #eaf2fe; color: #1c5bb8; border-color: #c8dcf8; }

/* ---------- App shell (sidebar layout) ---------- */
.app-shell { display: flex; min-height: 100vh; }
.sidebar {
  width: 264px; flex: 0 0 264px; background: linear-gradient(180deg, var(--navy-dark), var(--navy));
  color: #fff; padding: 22px 16px; position: fixed; inset: 0 auto 0 0; z-index: 40;
  display: flex; flex-direction: column; overflow-y: auto;
}
.sidebar-brand {
  display: flex; align-items: center; gap: 10px; color: #fff; font-weight: 800;
  font-size: 1.15rem; padding: 4px 8px 20px; letter-spacing: .2px;
}
.sidebar-brand .brand-mark {
  width: 38px; height: 38px; border-radius: 12px; background: var(--accent);
  display: grid; place-items: center; font-weight: 900; color: #fff; font-size: 1rem;
  box-shadow: 0 6px 16px rgba(225, 36, 84, .35);
}
.sidebar-user {
  display: flex; align-items: center; gap: 10px; padding: 12px;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1);
  border-radius: 14px; margin-bottom: 18px;
}
.avatar {
  width: 38px; height: 38px; border-radius: 50%; background: var(--accent); color: #fff;
  display: grid; place-items: center; font-weight: 800; font-size: 0.9rem; flex: 0 0 auto;
}
.sidebar-user .who { min-width: 0; }
.sidebar-user .who b { display: block; font-size: 0.9rem; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.sidebar-user .who span { font-size: 0.75rem; color: rgba(255,255,255,.65); }
.nav-label { font-size: 0.68rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.45); padding: 8px 12px; font-weight: 800; }
.side-nav { display: flex; flex-direction: column; gap: 3px; }
.side-nav a {
  display: flex; align-items: center; gap: 11px; padding: 11px 13px; border-radius: 11px;
  color: rgba(255,255,255,.78); font-weight: 600; font-size: 0.92rem; transition: all .15s ease;
}
.side-nav a:hover { background: rgba(255,255,255,.08); color: #fff; }
.side-nav a.active { background: var(--accent); color: #fff; box-shadow: 0 8px 18px rgba(225,36,84,.3); }
.side-nav .icon { opacity: .95; }
.sidebar-foot { margin-top: auto; padding-top: 18px; }
.sidebar-foot a { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,.7); padding: 10px 13px; border-radius: 11px; font-weight: 600; }
.sidebar-foot a:hover { background: rgba(255,255,255,.08); color: #fff; }

.main-wrap { flex: 1; margin-left: 264px; min-width: 0; display: flex; flex-direction: column; min-height: 100vh; }
.topbar {
  height: 70px; background: var(--white); border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: 16px; padding: 0 28px; position: sticky; top: 0; z-index: 30;
}
.topbar .page-title { font-weight: 800; color: var(--navy); font-size: 1.05rem; }
.topbar .topbar-right { margin-left: auto; display: flex; align-items: center; gap: 16px; }
.topbar .inst-pill {
  display: inline-flex; align-items: center; gap: 7px; font-size: 0.8rem; font-weight: 700;
  color: var(--navy); background: #eef5fc; padding: 7px 12px; border-radius: 999px;
}
.menu-toggle { display: none; background: none; border: 0; color: var(--navy); cursor: pointer; padding: 6px; }
.content { padding: 28px; flex: 1; width: 100%; }
.page-head { display: flex; align-items: center; justify-content: space-between; gap: 16px; margin-bottom: 22px; flex-wrap: wrap; }
.page-head h1, .page-head h2 { margin: 0; }
.page-head .subtitle { color: var(--muted); font-size: 0.9rem; margin-top: 4px; }

/* ---------- Public layout ---------- */
.public-topbar {
  background: rgba(255,255,255,.96); border-bottom: 1px solid var(--border); position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(10px);
}
.public-topbar .container { height: 76px; display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: 11px; font-weight: 800; font-size: 1.2rem; color: var(--navy); }
.brand .brand-mark { width: 40px; height: 40px; border-radius: 12px; background: var(--accent); color: #fff; display: grid; place-items: center; font-weight: 900; box-shadow: 0 8px 18px rgba(225,36,84,.3); }
.public-nav { display: flex; align-items: center; gap: 10px; }
.public-nav a.link { color: var(--navy); font-weight: 700; padding: 8px 12px; border-radius: 9px; }
.public-nav a.link:hover { background: #eef4fb; }
.public-main { padding: 0 0 60px; }

/* ---------- Hero / landing ---------- */
.hero {
  background: radial-gradient(1200px 500px at 80% -10%, #33578f 0%, var(--navy) 45%, var(--navy-dark) 100%);
  color: #fff; padding: 72px 0 84px; position: relative; overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(225,36,84,.35), transparent 65%); border-radius: 50%;
}
.hero .container { position: relative; z-index: 2; display: grid; grid-template-columns: 1.1fr .9fr; gap: 40px; align-items: center; }
.hero h1 { color: #fff; font-size: 2.7rem; line-height: 1.12; margin-bottom: 16px; letter-spacing: -.5px; }
.hero h1 span { color: #ff7d9c; }
.hero p.lead { color: rgba(255,255,255,.78); font-size: 1.05rem; max-width: 520px; margin-bottom: 26px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero .btn-secondary { background: rgba(255,255,255,.12); color: #fff; border: 1px solid rgba(255,255,255,.25); }
.hero .btn-secondary:hover { background: rgba(255,255,255,.2); color: #fff; }
.hero-stats { display: flex; gap: 34px; margin-top: 40px; flex-wrap: wrap; }
.hero-stats .stat b { display: block; font-size: 1.6rem; color: #fff; }
.hero-stats .stat span { color: rgba(255,255,255,.65); font-size: 0.82rem; font-weight: 600; }
.hero-card-wrap { display: flex; justify-content: center; perspective: 1200px; }
.hero-card-wrap .vcard { transform: rotate(-4deg) scale(1.02); box-shadow: 0 30px 60px rgba(0,0,0,.45); }

/* ---------- Sections ---------- */
.section { padding: 64px 0; }
.section.alt { background: #eef5fb; }
.section-head { text-align: center; max-width: 620px; margin: 0 auto 40px; }
.section-head h2 { font-size: 2rem; margin-bottom: 10px; }
.section-head p { color: var(--muted); }
.feature-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 22px; }
.feature-card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .18s ease;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.feature-icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: #eaf2fe; color: var(--navy); margin-bottom: 16px;
}
.feature-icon.accent { background: #fdecf1; color: var(--accent); }
.feature-icon.green { background: #e7f8ef; color: var(--success); }
.feature-card h3 { font-size: 1.08rem; margin-bottom: 8px; }
.feature-card p { color: var(--muted); font-size: 0.9rem; margin: 0; }

/* ---------- Cards / panels ---------- */
.card, .card-box {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 22px; box-shadow: var(--shadow-sm); margin-bottom: 22px;
}
.card-head { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 16px; }
.card-head h3 { margin: 0; font-size: 1.05rem; }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 20px; }

/* Stat / balance cards */
.stat-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 20px; box-shadow: var(--shadow-sm); display: flex; align-items: flex-start; gap: 14px;
  position: relative; overflow: hidden;
}
.stat-card::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--navy); }
.stat-card.accent::before { background: var(--accent); }
.stat-card.green::before { background: var(--success); }
.stat-card.blue::before { background: var(--info); }
.stat-ico {
  width: 46px; height: 46px; border-radius: 13px; display: grid; place-items: center;
  background: #eef5fc; color: var(--navy); flex: 0 0 auto;
}
.stat-card.accent .stat-ico { background: #fdecf1; color: var(--accent); }
.stat-card.green .stat-ico { background: #e7f8ef; color: var(--success); }
.stat-card.blue .stat-ico { background: #eaf2fe; color: var(--info); }
.stat-body .label { font-size: 0.76rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 800; }
.stat-body .value { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-top: 3px; }
.stat-body .meta { font-size: 0.8rem; color: var(--muted); }

/* Quick actions */
.quick-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 14px; }
.quick-action {
  display: flex; flex-direction: column; align-items: flex-start; gap: 10px;
  background: #fff; border: 1px solid var(--border); border-radius: 14px; padding: 16px;
  color: var(--navy); font-weight: 700; font-size: 0.88rem; transition: all .16s ease;
}
.quick-action:hover { border-color: var(--accent); color: var(--accent); transform: translateY(-2px); }
.quick-action .q-ico { width: 40px; height: 40px; border-radius: 11px; background: #eef5fc; display: grid; place-items: center; color: var(--navy); }
.quick-action:hover .q-ico { background: #fdecf1; color: var(--accent); }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); background: #fff; box-shadow: var(--shadow-sm); }
table { width: 100%; border-collapse: collapse; background: #fff; }
th, td { padding: 13px 16px; text-align: left; border-bottom: 1px solid var(--border); font-size: 0.9rem; }
th { background: #f7fbff; color: var(--navy); font-weight: 800; font-size: 0.76rem; text-transform: uppercase; letter-spacing: .07em; }
tbody tr:hover { background: #fafcff; }
tr:last-child td { border-bottom: none; }

/* ---------- Badges ---------- */
.badge, .kyc-badge {
  display: inline-flex; align-items: center; gap: 5px; padding: 4px 10px; border-radius: 999px;
  font-size: 0.74rem; font-weight: 800; text-transform: capitalize; letter-spacing: .02em;
}
.kyc-pending, .badge-pending { background: #fff5e0; color: #a8730a; }
.kyc-approved, .badge-approved, .badge-completed { background: #e7f8ef; color: #14724c; }
.kyc-rejected, .badge-rejected { background: #fdecef; color: #a11238; }
.badge-active { background: #e7f8ef; color: #14724c; }
.badge-inactive { background: #eef1f5; color: #5b6b7c; }
.status-pending { color: #a8730a; font-weight: 800; }
.status-completed { color: #14724c; font-weight: 800; }
.status-rejected { color: #a11238; font-weight: 800; }

/* ---------- Forms ---------- */
label { display: block; margin-bottom: 6px; font-weight: 700; font-size: 0.85rem; color: var(--navy); }
input, select, textarea {
  width: 100%; padding: 11px 13px; border: 1px solid #d7e3f0; border-radius: 10px;
  font-size: 0.92rem; font-family: inherit; background: #fbfdff; color: var(--text);
  margin-bottom: 14px; transition: border-color .15s ease, box-shadow .15s ease;
}
input:focus, select:focus, textarea:focus {
  outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(34,58,102,.12); background: #fff;
}
textarea { min-height: 90px; resize: vertical; }
.form-group { margin-bottom: 2px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 18px; }
.form-note { font-size: 0.78rem; color: var(--muted); margin-top: -8px; margin-bottom: 12px; }
input[type="file"] { padding: 9px; background: #fff; }

/* Auth */
.auth-wrap { min-height: calc(100vh - 76px); display: grid; place-items: center; padding: 40px 20px; background:
  radial-gradient(700px 340px at 10% 0%, #e6effa 0%, transparent 60%), var(--bg); }
.auth-card { width: 100%; max-width: 430px; background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: 32px; box-shadow: var(--shadow); }
.auth-card-wide { max-width: 720px; }
.auth-card h2 { margin-bottom: 4px; }
.auth-card .muted { color: var(--muted); font-size: 0.9rem; margin-bottom: 22px; }
.auth-card .btn { width: 100%; }
.auth-switch { text-align: center; font-size: 0.86rem; color: var(--muted); margin-top: 16px; }

/* Registration onboarding wizard */
.reg-wrap { place-items: start center; }
.reg-card { max-width: 860px; }
.reg-head { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 20px; }
.reg-head .feature-icon { flex: 0 0 auto; margin-bottom: 0; }
.reg-head h2 { margin-bottom: 4px; }
.reg-head .muted { margin: 0; }
.reg-progress { display: flex; gap: 10px; list-style: none; padding: 0; margin: 0 0 22px; }
.reg-progress li { flex: 1; display: flex; align-items: center; gap: 8px; font-size: 0.8rem; font-weight: 700; color: var(--muted); padding: 9px 12px; border: 1px solid var(--border); border-radius: 12px; background: #fbfdff; }
.reg-progress li span { width: 24px; height: 24px; border-radius: 50%; display: inline-flex; align-items: center; justify-content: center; background: #e8eef7; color: var(--navy); font-size: 0.74rem; flex: 0 0 auto; }
.reg-progress li.active { border-color: var(--navy); color: var(--navy); box-shadow: 0 0 0 3px rgba(34,58,102,.08); }
.reg-progress li.active span { background: var(--navy); color: #fff; }
.reg-progress li.done { border-color: #bfe6d4; color: #14724c; background: #f2fbf7; }
.reg-progress li.done span { background: #1e9e6a; color: #fff; }
.reg-form.is-wizard .reg-step { display: none; }
.reg-form.is-wizard .reg-step.active { display: block; }
.reg-step { animation: regFade .18s ease; }
@keyframes regFade { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: none; } }
.reg-title { display: flex; align-items: center; gap: 8px; font-size: 1.02rem; margin: 0 0 4px; }
.reg-hint { font-size: 0.82rem; color: var(--muted); margin: 0 0 16px; }
.reg-actions { display: flex; justify-content: space-between; gap: 12px; margin-top: 8px; }
.reg-actions .btn { width: auto; min-width: 130px; }
.reg-errors { margin: 6px 0 0 18px; padding: 0; }
.reg-errors li { margin: 2px 0; }
.check-row { display: flex; align-items: flex-start; gap: 10px; font-weight: 500; font-size: 0.85rem; color: var(--text); margin: 4px 0 16px; }
.check-row input[type="checkbox"] { width: 18px; height: 18px; margin: 2px 0 0; flex: 0 0 auto; accent-color: var(--navy); }
.check-row a { color: var(--navy); font-weight: 700; }
@media (max-width: 700px) {
  .reg-progress { flex-direction: column; }
  .reg-actions { flex-direction: column-reverse; }
  .reg-actions .btn { width: 100%; }
}

/* ---------- Virtual card ---------- */
.vcard {
  width: 360px; max-width: 100%; height: 220px; border-radius: 20px; padding: 22px;
  color: #fff; position: relative; overflow: hidden; font-family: "Nunito", sans-serif;
  background: linear-gradient(135deg, #223a66 0%, #2c4a7c 55%, #3a5f9a 100%);
  box-shadow: 0 18px 40px rgba(21, 36, 64, .28); display: flex; flex-direction: column;
}
.vcard::after {
  content: ""; position: absolute; right: -70px; bottom: -90px; width: 220px; height: 220px;
  border-radius: 50%; background: radial-gradient(circle, rgba(225,36,84,.5), transparent 65%);
}
.vcard .inst { font-size: 0.82rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; opacity: .95; }
.vcard .logo { position: absolute; top: 18px; right: 20px; z-index: 2; display: flex; align-items: center; }
.vcard .chip { width: 42px; height: 32px; border-radius: 7px; margin-top: 18px; background: linear-gradient(135deg,#e8d48a,#c9a94e); position: relative; z-index: 2; }
.vcard .chip::before { content: ""; position: absolute; inset: 7px 9px; border: 1px solid rgba(90,70,20,.45); border-radius: 3px; }
.vcard .pan { font-family: "Courier New", monospace; font-size: 1.22rem; letter-spacing: 2px; margin-top: auto; z-index: 2; font-weight: 700; }
.vcard .row { display: flex; justify-content: space-between; gap: 12px; margin-top: 14px; font-size: 0.72rem; z-index: 2; }
.vcard .row .k { opacity: .65; font-size: 0.6rem; letter-spacing: .12em; text-transform: uppercase; }
.vcard .row .v { font-weight: 700; font-size: 0.82rem; letter-spacing: .04em; }
.vcard .contactless { position: absolute; top: 22px; right: 92px; opacity: .8; }

.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 22px; }
.card-tile { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow-sm); }
.card-tile .vcard { width: 100%; height: 200px; margin-bottom: 16px; }
.card-tile .actions { display: flex; gap: 10px; margin-top: 14px; }
.card-meta { display: flex; justify-content: space-between; font-size: 0.84rem; color: var(--muted); padding: 4px 0; }
.card-meta b { color: var(--navy); }

/* ---------- Misc ---------- */
.muted { color: var(--muted); }
.text-right { text-align: right; }
.text-center { text-align: center; }
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; } .mt-2 { margin-top: 8px; } .mt-3 { margin-top: 14px; } .mb-3 { margin-bottom: 14px; }
.flex { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
.between { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.divider { height: 1px; background: var(--border); margin: 18px 0; }
.empty { text-align: center; color: var(--muted); padding: 28px 10px; }
.pill { display: inline-flex; align-items: center; gap: 6px; padding: 6px 12px; border-radius: 999px; background: #eef5fc; color: var(--navy); font-size: 0.8rem; font-weight: 700; }
.hr-note { background: #f7fbff; border: 1px dashed #cfe0f1; border-radius: 12px; padding: 14px; color: var(--muted); font-size: 0.86rem; }

.footer { padding: 22px; text-align: center; color: var(--muted); font-size: 0.82rem; border-top: 1px solid var(--border); background: #fff; }
.public-footer { background: var(--navy-dark); color: rgba(255,255,255,.7); padding: 40px 0; }
.public-footer a { color: rgba(255,255,255,.85); }

/* ---------- Responsive ---------- */
@media (max-width: 1000px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-card-wrap { order: -1; }
  .hero h1 { font-size: 2.2rem; }
}
@media (max-width: 860px) {
  .sidebar { transform: translateX(-100%); transition: transform .22s ease; }
  body.nav-open .sidebar { transform: translateX(0); box-shadow: 0 0 60px rgba(0,0,0,.4); }
  .main-wrap { margin-left: 0; }
  .menu-toggle { display: inline-flex; }
  .content { padding: 18px; }
  .topbar { padding: 0 18px; }
  .form-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .hero { padding: 48px 0 60px; }
  .hero h1 { font-size: 1.9rem; }
  .hero-stats { gap: 22px; }
  .vcard { height: 205px; padding: 18px; }
  .vcard .pan { font-size: 1.05rem; }
  .page-head { align-items: flex-start; }
  .public-nav a.link { display: none; }
}

/* Transfers tabs */
.tabs-bar { display: flex; gap: 6px; flex-wrap: wrap; padding: 6px; background: #f0f4fa; border-radius: 14px; margin-bottom: 16px; }
.tab-btn { flex: 1 1 0; min-width: 120px; padding: 10px 14px; border: 0; background: transparent; border-radius: 10px; font-weight: 700; font-size: 0.86rem; color: var(--muted); cursor: pointer; transition: background .15s ease, color .15s ease, box-shadow .15s ease; }
.tab-btn:hover { color: var(--navy); background: #fff; }
.tab-btn.active { background: var(--navy); color: #fff; box-shadow: 0 4px 12px rgba(34,58,102,.18); }
.tab-panel { display: block; }
.tabs-wrap.is-tabs .tab-panel { display: none; }
.tabs-wrap.is-tabs .tab-panel.active { display: block; }
/* Beneficiary cards */
.beneficiary-list { display: grid; gap: 12px; }
.beneficiary-card { border: 1px solid var(--border); border-radius: 12px; padding: 14px 16px; background: #fbfdff; }
.beneficiary-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 10px; }
.beneficiary-title { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.beneficiary-body { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 8px 14px; }
.beneficiary-meta { display: flex; flex-direction: column; gap: 2px; }
.beneficiary-meta span { font-size: 0.72rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
.beneficiary-meta b { font-size: 0.88rem; color: var(--text); word-break: break-word; }
.beneficiary-actions { flex: 0 0 auto; }
@media (max-width: 600px) {
  .beneficiary-head { flex-direction: column; }
  .beneficiary-actions { width: 100%; }
  .beneficiary-actions .btn { width: 100%; }
}

/* Contact page */
.contact-section { padding-top: 48px; }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 24px; align-items: start; }
.contact-info { display: grid; gap: 20px; }
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 12px; align-items: flex-start; }
.contact-ico { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; flex: 0 0 auto; background: #eaf2fe; color: var(--navy); }
.contact-list .k { font-size: .72rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--muted); }
.contact-list .v { font-weight: 700; color: var(--navy); word-break: break-word; }
.contact-list .v a { color: var(--navy); }
.contact-note h3 { font-size: 1rem; }
.contact-form-card .form-grid { grid-template-columns: 1fr 1fr; }
.contact-form-card textarea { min-height: 150px; }
.contact-form-card .btn { margin-top: 4px; }
.honeypot { position: absolute; left: -10000px; top: auto; width: 1px; height: 1px; overflow: hidden; }

/* Admin contact messages */
.nav-badge { margin-left: auto; background: var(--accent); color: #fff; font-size: .68rem; font-weight: 800; border-radius: 999px; padding: 1px 7px; line-height: 1.4; }
.msg-new td { background: #fff8fa; }
.msg-new td:nth-child(3) { font-weight: 700; }
.message-detail { margin-bottom: 22px; }
.message-meta { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 12px 20px; padding: 14px; background: #f7fafd; border: 1px solid var(--border); border-radius: 12px; margin-bottom: 16px; }
.message-meta .k { display: block; font-size: .7rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--muted); }
.message-meta b { font-size: .9rem; word-break: break-word; }
.message-body { white-space: normal; line-height: 1.65; color: var(--text); }
.message-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.message-actions form { margin: 0; }

@media (max-width: 860px) {
  .contact-grid { grid-template-columns: 1fr; }
  .contact-form-card .form-grid { grid-template-columns: 1fr; }
}