:root {
    --kmbi-green: #46ac7d;
    --kmbi-green-dark: #2f8f65;
    --kmbi-green-soft: #eaf7f0;
    --kmbi-navy: #193952;
    --kmbi-navy-soft: #31506a;
    --kmbi-ink: #1f2a37;
    --kmbi-muted: #6e7f8d;
    --kmbi-line: rgba(25, 57, 82, 0.10);
    --surface: rgba(255, 255, 255, 0.82);
    --surface-strong: rgba(255, 255, 255, 0.94);
    --danger: #cf4242;
    --radius-xl: 32px;
    --radius-lg: 24px;
    --radius-md: 18px;
    --radius-sm: 14px;
    --shadow-soft: 0 18px 48px rgba(25, 57, 82, 0.10);
    --shadow-strong: 0 24px 70px rgba(25, 57, 82, 0.16);
}

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

html,
body {
    margin: 0;
    padding: 0;
    max-width: 100%;
    overflow-x: hidden;
    font-family: "Inter", sans-serif;
    color: var(--kmbi-ink);
    background: radial-gradient(circle at top left, rgba(70, 172, 125, 0.18), transparent 28%), radial-gradient(circle at top right, rgba(25, 57, 82, 0.10), transparent 24%), linear-gradient(180deg, #f6fbf8 0%, #eef5f4 46%, #f8ffff 100%);
}

body {
    min-height: 100vh;
}

    body.app-body {
        overflow-x: hidden;
    }

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

img {
    display: block;
    max-width: 100%;
}

h1, h2, h3, p, small, span, strong {
    overflow-wrap: break-word;
    word-wrap: break-word;
}

/* ================= SHARED ================= */
.glass-panel {
    position: relative;
    overflow: hidden;
    background: rgba(255, 255, 255, 0.82);
    border: 1px solid rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(22px);
    -webkit-backdrop-filter: blur(22px);
    border-radius: 28px;
    box-shadow: 0 24px 60px rgba(25, 57, 82, 0.10);
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 7px 12px;
    border-radius: 999px;
    background: var(--kmbi-green-soft);
    color: var(--kmbi-green-dark);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 14px;
}

.tagalog {
    display: block;
    font-size: 0.8em;
    font-style: italic;
    opacity: 0.8;
    margin-top: 2px;
}

.text-danger {
    font-size: 12px;
    color: var(--danger);
    margin-top: 2px;
}

.validation-summary-errors ul {
    list-style: none;
    padding-left: 0;
    margin: 0;
}

.validation-summary-errors li {
    margin: 0;
}

/* ================= AUTH / LOGIN / REGISTER ================= */
.auth-body {
    min-height: 100vh;
}

.auth-shell {
    min-height: 100vh;
    padding: 20px 16px 32px;
}

.auth-main {
    display: flex;
    justify-content: center;
}

.auth-topbar {
    max-width: 1120px;
    margin: 0 auto 20px;
    padding: 14px 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    background: rgba(255, 255, 255, 0.72);
    border: 1px solid rgba(255, 255, 255, 0.68);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
    border-radius: 24px;
    box-shadow: var(--shadow-soft);
}

.auth-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 0;
}

.auth-brand-mark {
    width: 54px;
    height: 54px;
    border-radius: 18px;
    background: rgba(255,255,255,0.9);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 10px 22px rgba(25,57,82,0.08);
    flex-shrink: 0;
}

.auth-brand-logo {
    width: 34px;
    height: 34px;
    object-fit: contain;
}

.auth-brand-text {
    display: flex;
    flex-direction: column;
    min-width: 0;
}

.auth-brand-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-weight: 800;
    color: var(--kmbi-green-dark);
}

.auth-brand-text strong {
    font-size: 16px;
    color: var(--kmbi-navy);
    line-height: 1.2;
}

.auth-brand-text small {
    color: var(--kmbi-muted);
    font-size: 12px;
    line-height: 1.2;
}

.topbar-link {
    padding: 12px 16px;
    border-radius: 14px;
    font-weight: 700;
    color: var(--kmbi-navy);
    background: rgba(25, 57, 82, 0.06);
    transition: background 0.2s ease, transform 0.2s ease;
    white-space: nowrap;
}

    .topbar-link:hover {
        background: rgba(25, 57, 82, 0.10);
        transform: translateY(-1px);
    }

.auth-page {
    width: 100%;
    display: flex;
    justify-content: center;
}

.auth-card {
    width: 100%;
    max-width: 430px;
    position: relative;
    overflow: hidden;
    background: var(--surface);
    border: 1px solid rgba(255,255,255,0.72);
    backdrop-filter: blur(22px);
    -webkit-backdrop-filter: blur(22px);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-strong);
    padding: 28px 20px 24px;
}

.auth-card--wide {
    max-width: 780px;
}

.auth-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 6px;
    background: linear-gradient(90deg, var(--kmbi-green), var(--kmbi-navy));
    z-index: 2;
}

.auth-card-glow {
    position: absolute;
    border-radius: 999px;
    filter: blur(18px);
    opacity: 0.65;
    pointer-events: none;
}

.auth-card-glow--top {
    width: 180px;
    height: 180px;
    top: -70px;
    right: -50px;
    background: rgba(70, 172, 125, 0.18);
}

.auth-card-glow--bottom {
    width: 160px;
    height: 160px;
    left: -50px;
    bottom: -60px;
    background: rgba(25, 57, 82, 0.10);
}

.auth-card-header {
    position: relative;
    z-index: 1;
    text-align: center;
    margin-bottom: 22px;
}

.brand-badges {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 16px;
    margin-bottom: 16px;
}

.brand-badge {
    width: 88px;
    height: 88px;
    border-radius: 28px;
    background: linear-gradient(180deg, rgba(255,255,255,0.98), rgba(248,255,255,0.92));
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 14px 30px rgba(25,57,82,0.10);
    border: 1px solid rgba(25,57,82,0.06);
}

.brand-logo {
    width: 56px;
    height: 56px;
    object-fit: contain;
}

.auth-card-header h1 {
    margin: 0;
    font-size: 30px;
    line-height: 1.1;
    font-weight: 800;
    color: var(--kmbi-navy);
}

.subtext {
    margin: 12px auto 0;
    max-width: 560px;
    font-size: 14px;
    line-height: 1.65;
    color: var(--kmbi-muted);
}

.auth-info-strip {
    display: grid;
    grid-template-columns: 1fr;
    gap: 12px;
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
}

.info-pill {
    padding: 14px;
    border-radius: 18px;
    background: rgba(255,255,255,0.74);
    border: 1px solid rgba(25,57,82,0.06);
    box-shadow: 0 10px 24px rgba(25,57,82,0.06);
}

.info-label {
    display: block;
    margin-bottom: 4px;
    font-size: 12px;
    color: var(--kmbi-muted);
}

.info-pill strong {
    font-size: 15px;
    color: var(--kmbi-navy);
}

.alert-success {
    margin-bottom: 18px;
    padding: 14px;
    border-radius: 16px;
    background: rgba(70, 172, 125, 0.12);
    border: 1px solid rgba(70, 172, 125, 0.18);
    color: var(--kmbi-green-dark);
    font-size: 14px;
    line-height: 1.5;
    text-align: center;
}

.alert-danger {
    margin-bottom: 18px;
    padding: 14px;
    border-radius: 16px;
    background: rgba(220, 53, 69, 0.12);
    border: 1px solid rgba(220, 53, 69, 0.2);
    color: #b02a37;
    font-size: 14px;
    line-height: 1.5;
    text-align: center;
}

.auth-form {
    display: flex;
    flex-direction: column;
    gap: 16px;
    position: relative;
    z-index: 1;
}

.auth-grid {
    display: grid;
    gap: 16px;
}

.auth-grid--2 {
    grid-template-columns: 1fr;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-label {
    font-size: 13px;
    font-weight: 700;
    color: var(--kmbi-navy);
}

.input-control {
    width: 100%;
}

.form-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
}

.checkbox-row {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--kmbi-muted);
    font-size: 13px;
    min-width: 0;
}

    .checkbox-row input[type="checkbox"] {
        width: 16px;
        height: 16px;
        accent-color: var(--kmbi-green);
    }

.text-link {
    color: var(--kmbi-navy-soft);
    font-size: 13px;
    font-weight: 600;
}

    .text-link:hover {
        color: var(--kmbi-green-dark);
    }

.strong-link {
    margin-left: 4px;
    font-weight: 700;
    color: var(--kmbi-navy);
}

.section-caption {
    margin: 4px 0 -2px;
    display: flex;
    align-items: center;
    gap: 10px;
}

    .section-caption span {
        font-size: 12px;
        font-weight: 800;
        letter-spacing: 0.08em;
        text-transform: uppercase;
        color: var(--kmbi-muted);
    }

    .section-caption::after {
        content: "";
        flex: 1;
        height: 1px;
        background: rgba(25,57,82,0.08);
    }

.btn-primary,
.btn-secondary {
    text-decoration: none;
}

.action-stack {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.trust-card {
    margin-top: 2px;
    padding: 14px;
    border-radius: 16px;
    background: rgba(25,57,82,0.04);
    border: 1px solid rgba(25,57,82,0.06);
    display: flex;
    align-items: center;
    gap: 10px;
}

.trust-card--spaced {
    margin-top: 6px;
}

.trust-icon {
    width: 28px;
    height: 28px;
    flex-shrink: 0;
    border-radius: 50%;
    background: rgba(70,172,125,0.16);
    color: var(--kmbi-green-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
}

.trust-card p {
    margin: 0;
    font-size: 13px;
    line-height: 1.5;
    color: var(--kmbi-muted);
}

.biometric-login-panel {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 16px;
}

.biometric-login-panel--hidden {
    display: none;
}

.biometric-divider {
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--kmbi-muted);
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

    .biometric-divider::before,
    .biometric-divider::after {
        content: "";
        flex: 1;
        height: 1px;
        background: rgba(25,57,82,0.10);
    }

.biometric-login-btn {
    width: 100%;
    min-height: 58px;
    border: 1px solid rgba(25,57,82,0.12);
    border-radius: 18px;
    background: linear-gradient(180deg, rgba(255,255,255,0.96), rgba(247,252,250,0.88));
    color: var(--kmbi-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    font-size: 15px;
    font-weight: 800;
    cursor: pointer;
    box-shadow: 0 12px 26px rgba(25,57,82,0.08);
    transition: transform 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

    .biometric-login-btn:hover:not(:disabled) {
        transform: translateY(-1px);
        border-color: rgba(70,172,125,0.28);
        box-shadow: 0 16px 30px rgba(25,57,82,0.11);
    }

    .biometric-login-btn:disabled {
        cursor: not-allowed;
        opacity: 0.7;
    }

.biometric-login-btn__icon {
    width: 40px;
    height: 40px;
    border-radius: 14px;
    background: rgba(70,172,125,0.14);
    color: var(--kmbi-green-dark);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 18px;
}

.biometric-inline-alert {
    padding: 12px 14px;
    border-radius: 14px;
    font-size: 13px;
    line-height: 1.5;
    text-align: center;
}

.biometric-inline-alert--success {
    background: rgba(70, 172, 125, 0.12);
    border: 1px solid rgba(70, 172, 125, 0.18);
    color: var(--kmbi-green-dark);
}

.biometric-inline-alert--error {
    background: rgba(220, 53, 69, 0.12);
    border: 1px solid rgba(220, 53, 69, 0.2);
    color: #b02a37;
}

.auth-footer-note {
    margin-top: 2px;
    text-align: center;
    color: var(--kmbi-muted);
    font-size: 14px;
}

    .auth-footer-note.horizontal {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 12px;
        flex-wrap: wrap;
    }

.btn-register {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 10px 16px;
    border-radius: 14px;
    background: rgba(70,172,125,0.10);
    border: 1px solid rgba(25,57,82,0.12);
    color: var(--kmbi-green-dark);
    transform: translateY(-1px);
    font-size: 13px;
    font-weight: 700;
    text-align: center;
    box-shadow: 0 8px 18px rgba(25,57,82,0.08);
    transition: all 0.2s ease;
}

    .btn-register .tagalog {
        font-size: 0.75em;
        opacity: 0.85;
    }

/* ================= INPUTS ================= */
.fintech-input {
    width: 100%;
    height: 56px;
    padding: 0 16px;
    border-radius: 16px;
    border: 1px solid rgba(25,57,82,0.10);
    background: rgba(255,255,255,0.94);
    font-size: 15px;
    color: var(--kmbi-ink);
    transition: border-color 0.2s ease, box-shadow 0.2s ease, transform 0.2s ease, background 0.2s ease;
}

    .fintech-input::placeholder {
        color: #97a5b1;
    }

    .fintech-input:focus {
        outline: none;
        border-color: var(--kmbi-green);
        box-shadow: 0 0 0 4px rgba(70, 172, 125, 0.14);
        background: #fff;
        transform: translateY(-1px);
    }

.fintech-select {
    width: 100%;
    height: 56px;
    border-radius: 16px;
    border: 1px solid rgba(25,57,82,0.10);
    background: rgba(255,255,255,0.94);
    padding: 0 14px;
    font-size: 15px;
    color: var(--kmbi-ink);
    appearance: none;
    cursor: pointer;
    background-image: url("data:image/svg+xml;utf8,<svg fill='%23193952' height='20' viewBox='0 0 20 20' width='20' xmlns='http://www.w3.org/2000/svg'><path d='M5 7l5 5 5-5z'/></svg>");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 16px;
}

    .fintech-select:focus {
        outline: none;
        border-color: var(--kmbi-green);
        box-shadow: 0 0 0 4px rgba(70,172,125,0.14);
    }

.password-wrapper {
    position: relative;
}

    .password-wrapper input {
        padding-right: 42px;
    }

.toggle-password {
    position: absolute;
    top: 50%;
    right: 12px;
    transform: translateY(-50%);
    background: none;
    border: none;
    cursor: pointer;
    color: #666;
    font-size: 16px;
}

    .toggle-password:hover {
        color: #000;
    }

/* ================= BUTTONS ================= */
.fintech-btn,
.fintech-btn-secondary,
.topbar-action-btn {
    text-decoration: none;
}

.fintech-btn {
    width: 100%;
    height: 56px;
    border: none;
    border-radius: 18px;
    background: linear-gradient(135deg, var(--kmbi-green), var(--kmbi-green-dark));
    color: #fff;
    font-size: 15px;
    font-weight: 800;
    letter-spacing: 0.01em;
    cursor: pointer;
    box-shadow: 0 14px 30px rgba(70,172,125,0.28);
    transition: transform 0.2s ease, box-shadow 0.2s ease, opacity 0.2s ease;
}

    .fintech-btn:hover {
        transform: translateY(-1px);
        box-shadow: 0 18px 34px rgba(70,172,125,0.34);
    }

.fintech-btn-secondary {
    width: 100%;
    height: 56px;
    display: flex; /* IMPORTANT */
    align-items: center; /* vertical center */
    justify-content: center; /* horizontal center */
    flex-direction: column; /* stack vertically */
    border-radius: 18px;
    border: 1px solid rgba(25,57,82,0.10);
    background: rgba(255,255,255,0.72);
    color: var(--kmbi-navy);
    font-size: 15px;
    font-weight: 700;
    text-decoration: none; /* remove underline */
    cursor: pointer;
    transition: background 0.2s ease, transform 0.2s ease;
}

    .fintech-btn-secondary:hover {
        background: rgba(25,57,82,0.04);
        transform: translateY(-1px);
    }

.topbar-action-btn {
    width: 100%;
    min-height: 44px;
    padding: 10px 12px;
    border-radius: 14px;
    border: 1px solid rgba(25,57,82,0.08);
    background: rgba(25,57,82,0.06);
    color: var(--kmbi-navy);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 700;
    white-space: nowrap;
    cursor: pointer;
}

.topbar-action-btn--danger {
    background: rgba(207,66,66,0.08);
    color: #b02a37;
    border: 1px solid rgba(207,66,66,0.14);
}

    .topbar-action-btn--danger:hover {
        background: rgba(207,66,66,0.14);
    }

/* ================= APP LAYOUT ================= */
.app-body {
    min-height: 100vh;
    background: radial-gradient(circle at top left, rgba(70, 172, 125, 0.14), transparent 26%), radial-gradient(circle at top right, rgba(25, 57, 82, 0.08), transparent 20%), linear-gradient(180deg, #f6fbf8 0%, #eef5f4 48%, #f8ffff 100%);
    color: var(--kmbi-ink);
}

.app-shell--mobile-first {
    display: block;
    min-height: 100vh;
    width: 100%;
    max-width: 100%;
    background: #f4f7fb;
    overflow-x: hidden;
}

.app-main--full {
    width: 100%;
    min-height: 100vh;
    max-width: 100%;
    overflow-x: hidden;
}

.app-page {
    width: 100%;
    max-width: 1120px;
    margin: 0 auto;
    min-width: 0;
}

.app-content {
    width: 100%;
    max-width: 100%;
    min-width: 0;
    overflow-x: hidden;
    padding-top: 230px;
    padding-left: 16px;
    padding-right: 16px;
    padding-bottom: 90px;
}

/* ================= MOBILE HEADER ================= */
.app-topbar--mobile-app {
    padding: 0;
    background: transparent;
    border: 0;
    box-shadow: none;
}

.mobile-app-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    width: 100%;
    max-width: 100%;
    z-index: 1000;
    padding: 18px 16px 14px;
    box-sizing: border-box;
    overflow: hidden;
    background: linear-gradient(135deg, var(--kmbi-green), var(--kmbi-navy));
    border-radius: 0 0 28px 28px;
    box-shadow: 0 14px 40px rgba(15, 23, 42, 0.14);
}

    .mobile-app-header::before {
        content: "";
        position: absolute;
        width: 180px;
        height: 180px;
        top: -60px;
        right: -50px;
        background: rgba(255, 255, 255, 0.10);
        border-radius: 50%;
    }

    .mobile-app-header::after {
        content: "";
        position: absolute;
        width: 120px;
        height: 120px;
        bottom: -45px;
        left: -35px;
        background: rgba(255, 255, 255, 0.08);
        border-radius: 50%;
    }

.mobile-app-header__top,
.mobile-app-user-card {
    position: relative;
    z-index: 1;
}

.mobile-app-header__top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 18px;
    min-width: 0;
}

.mobile-app-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    min-width: 0;
    max-width: calc(100% - 62px);
}

.mobile-app-brand__logo-wrap {
    width: 54px;
    height: 54px;
    border-radius: 18px;
    background: rgba(255, 255, 255, 0.16);
    backdrop-filter: blur(8px);
    display: grid;
    place-items: center;
    box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.14);
    flex-shrink: 0;
}

.mobile-app-brand__logo {
    width: 30px;
    height: 30px;
    object-fit: contain;
    display: block;
}

.mobile-app-brand__text {
    min-width: 0;
}

    .mobile-app-brand__text h1 {
        margin: 0;
        font-size: 17px;
        line-height: 1.2;
        font-weight: 800;
        color: #ffffff;
        white-space: nowrap;
        overflow: hidden;
        text-overflow: ellipsis;
    }

    .mobile-app-brand__text p {
        margin: 4px 0 0;
        font-size: 12px;
        color: rgba(255, 255, 255, 0.82);
        line-height: 1.35;
        white-space: nowrap;
        overflow: hidden;
        text-overflow: ellipsis;
    }

.mobile-app-profile {
    flex-shrink: 0;
}

.mobile-app-profile__avatar {
    width: 48px;
    height: 48px;
    border-radius: 16px;
    overflow: hidden;
    border: 2px solid rgba(255, 255, 255, 0.22);
    background: rgba(255, 255, 255, 0.14);
    box-shadow: 0 8px 18px rgba(0, 0, 0, 0.14);
    flex-shrink: 0;
}

.mobile-app-profile__img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.mobile-app-user-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    min-width: 0;
    max-width: 100%;
    background: rgba(255, 255, 255, 0.08);
    backdrop-filter: blur(18px);
    border: 1px solid rgba(255, 255, 255, 0.4);
    border-radius: 22px;
    padding: 16px;
    box-shadow: 0 8px 20px rgba(15, 23, 42, 0.08);
}

.mobile-app-user-card__meta {
    display: flex;
    flex-direction: column;
    min-width: 0;
    flex: 1;
}

.mobile-app-user-card__label {
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.72);
    margin-bottom: 6px;
}

.mobile-app-user-card__meta strong {
    font-size: 18px;
    line-height: 1.2;
    color: #ffffff;
    font-weight: 800;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.mobile-app-user-card__meta small {
    margin-top: 4px;
    font-size: 12px;
    color: rgba(255, 255, 255, 0.82);
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.mobile-app-user-card__actions {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

.mobile-app-logout-form {
    margin: 0;
}

.mobile-app-action-icon {
    width: 40px;
    height: 40px;
    border-radius: 12px;
    border: none;
    background: rgba(255, 255, 255, 0.6);
    color: var(--kmbi-navy);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    cursor: pointer;
    transition: all 0.2s ease;
    backdrop-filter: blur(8px);
}

    .mobile-app-action-icon:hover {
        background: rgba(255, 255, 255, 0.8);
        transform: translateY(-1px);
    }

    .mobile-app-action-icon:active {
        transform: scale(0.95);
    }

.mobile-app-action-icon--danger {
    background: rgba(255, 255, 255, 0.5);
    color: #dc2626;
}

    .mobile-app-action-icon--danger:hover {
        background: rgba(255, 255, 255, 0.75);
    }

.mobile-app-action-icon--biometric {
    background: rgba(255, 255, 255, 0.64);
    color: var(--kmbi-green-dark);
}

    .mobile-app-action-icon--biometric:hover {
        background: rgba(255, 255, 255, 0.84);
    }

/* ================= PAGE / DASHBOARD ================= */
.dashboard-page {
    display: flex;
    flex-direction: column;
    gap: 16px;
    min-width: 0;
}

.dashboard-hero {
    padding: 20px 18px;
    min-width: 0;
}

.dashboard-hero-content {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 18px;
    min-width: 0;
}

.dashboard-hero h1 {
    margin: 8px 0 0;
    font-size: 28px;
    line-height: 1.1;
    color: var(--kmbi-navy);
    font-weight: 800;
}

.dashboard-subtext {
    margin: 12px 0 0;
    color: var(--kmbi-muted);
    font-size: 14px;
    line-height: 1.6;
}

/* ================= METRICS ================= */
.metric-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 14px;
    min-width: 0;
}

.metric-grid--dashboard {
    display: grid;
    grid-template-columns: 1fr;
    gap: 16px;
}

.metric-card {
    width: 100%;
    min-width: 0;
    max-width: 100%;
    padding: 18px;
    border-radius: 24px;
    background: rgba(255,255,255,0.82);
    border: 1px solid rgba(255,255,255,0.72);
    box-shadow: 0 16px 40px rgba(25, 57, 82, 0.08);
}

.metric-card--primary {
    background: linear-gradient(135deg, rgba(70,172,125,0.18), rgba(255,255,255,0.92));
    border-color: rgba(70,172,125,0.14);
}

.metric-card--warning {
    background: linear-gradient(135deg, rgba(255,193,7,0.14), rgba(255,255,255,0.92));
    border-color: rgba(255,193,7,0.18);
}

.metric-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 12px;
    min-width: 0;
}

.metric-label {
    font-size: 13px;
    font-weight: 700;
    color: var(--kmbi-muted);
    text-transform: uppercase;
    letter-spacing: 0.04em;
}

.metric-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--kmbi-green-dark);
    flex-shrink: 0;
}

    .metric-icon i {
        font-size: 18px;
    }

.metric-card h3 {
    margin: 0;
    font-size: 24px;
    line-height: 1.1;
    color: var(--kmbi-navy);
    font-weight: 800;
}

.metric-desc {
    margin: 10px 0 0;
    font-size: 14px;
    line-height: 1.6;
    color: var(--kmbi-muted);
}

/* ================= PANELS / TABLES ================= */
.dashboard-panel {
    padding: 18px;
    min-width: 0;
}

.dashboard-panel--table {
    min-width: 0;
    overflow: hidden;
}

.panel-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 14px;
    margin-bottom: 18px;
}

    .panel-header h2 {
        margin: 6px 0 0;
        font-size: 20px;
        line-height: 1.2;
        color: var(--kmbi-navy);
    }

.table-wrapper {
    width: 100%;
    max-width: 100%;
    overflow-x: auto;
    overflow-y: hidden;
    -webkit-overflow-scrolling: touch;
    border-radius: 18px;
}

.modern-table {
    width: 100%;
    min-width: 680px;
    border-collapse: collapse;
}

    .modern-table thead th {
        text-align: left;
        font-size: 12px;
        font-weight: 800;
        letter-spacing: 0.05em;
        text-transform: uppercase;
        color: var(--kmbi-muted);
        padding: 14px 14px;
        border-bottom: 1px solid rgba(25,57,82,0.08);
        background: rgba(255,255,255,0.92);
    }

    .modern-table tbody td {
        padding: 16px 14px;
        border-bottom: 1px solid rgba(25,57,82,0.06);
        font-size: 14px;
        color: var(--kmbi-ink);
        vertical-align: middle;
        background: rgba(255,255,255,0.72);
    }

    .modern-table tbody tr:last-child td {
        border-bottom: none;
    }

    .modern-table tbody tr:hover {
        background: rgba(70,172,125,0.04);
        transition: background 0.2s ease;
    }

.amount {
    font-weight: 700;
    color: var(--kmbi-navy);
    white-space: nowrap;
}

.history-table td strong {
    color: var(--kmbi-navy);
}

.loan-history-row {
    cursor: pointer;
}

    .loan-history-row:hover td,
    .loan-history-row:focus td {
        background: rgba(70,172,125,0.08);
    }

    .loan-history-row:focus {
        outline: 2px solid rgba(70,172,125,0.42);
        outline-offset: -2px;
    }

.history-table .amount {
    font-weight: 700;
    letter-spacing: 0.2px;
}

.table-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 7px 12px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 700;
    white-space: nowrap;
}

.table-badge--green {
    background: rgba(70,172,125,0.12);
    color: var(--kmbi-green-dark);
}

.table-badge--muted {
    background: rgba(25,57,82,0.08);
    color: var(--kmbi-muted);
}

/* ================= EMPTY STATE ================= */
.empty-state-card {
    padding: 34px 20px;
    text-align: center;
    border-radius: 22px;
    background: rgba(255,255,255,0.62);
    border: 1px dashed rgba(25,57,82,0.12);
}

.empty-state-icon {
    font-size: 32px;
    margin-bottom: 10px;
}

.empty-state-card h3 {
    margin: 0 0 8px;
    font-size: 18px;
    color: var(--kmbi-navy);
}

.empty-state-card p {
    margin: 0;
    font-size: 14px;
    color: var(--kmbi-muted);
    line-height: 1.6;
}

/* ================= CBU BREAKDOWN ================= */
.cbu-breakdown {
    display: flex;
    gap: 10px;
    margin-top: 14px;
    padding-top: 12px;
    border-top: 1px solid rgba(25,57,82,0.08);
    min-width: 0;
}

.cbu-item {
    flex: 1;
    min-width: 0;
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding: 10px;
    border-radius: 12px;
    background: rgba(255,255,255,0.6);
}

.cbu-label {
    display: block;
    font-size: 12px;
    color: var(--kmbi-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    line-height: 1.4;
}

.cbu-item strong {
    display: block;
    font-size: 14px;
    color: var(--kmbi-navy);
    overflow-wrap: anywhere;
}

/* ================= MODAL ================= */
body.modal-open {
    overflow: hidden;
}

.modal-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.42);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    display: none;
    align-items: center;
    justify-content: center;
    padding: 16px;
    z-index: 10000;
}

    .modal-backdrop.show {
        display: flex;
    }

.modal-dialog {
    width: 100%;
    max-width: 560px;
}

.modal-dialog--lg {
    max-width: 920px;
}

.modal-dialog--sm {
    max-width: 480px;
}

.modal-card {
    width: 100%;
    background: rgba(255,255,255,0.96);
    border: 1px solid rgba(255,255,255,0.76);
    border-radius: 24px;
    box-shadow: 0 28px 70px rgba(15, 23, 42, 0.18);
    padding: 20px;
}

.modal-header {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 18px;
}

    .modal-header h2 {
        margin: 0;
        font-size: 24px;
        line-height: 1.15;
        color: var(--kmbi-navy);
    }

.modal-subtext {
    margin: 10px 0 0;
    font-size: 14px;
    line-height: 1.6;
    color: var(--kmbi-muted);
}

.modal-close {
    width: 40px;
    height: 40px;
    border: 1px solid rgba(25,57,82,0.08);
    border-radius: 14px;
    background: rgba(25,57,82,0.05);
    color: var(--kmbi-navy);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: background 0.2s ease, transform 0.2s ease;
    flex-shrink: 0;
}

    .modal-close:hover {
        background: rgba(25,57,82,0.10);
        transform: translateY(-1px);
    }

.modal-form {
    gap: 14px;
}

.modal-actions {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
    margin-top: 6px;
}

.modal-cancel-btn {
    height: 56px;
}

.modal-alert {
    margin-bottom: 14px;
    padding: 12px 14px;
    border-radius: 14px;
    font-size: 14px;
    line-height: 1.5;
}

.modal-alert--success {
    background: rgba(70, 172, 125, 0.12);
    border: 1px solid rgba(70, 172, 125, 0.18);
    color: var(--kmbi-green-dark);
}

.modal-alert--error {
    background: rgba(220, 53, 69, 0.12);
    border: 1px solid rgba(220, 53, 69, 0.2);
    color: #b02a37;
}

.biometric-security-form {
    display: none;
}

.biometric-modal-card {
    overflow: hidden;
}

.biometric-modal-header {
    align-items: flex-start;
}

.biometric-modal-heading {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    min-width: 0;
}

.biometric-modal-icon {
    width: 52px;
    height: 52px;
    border-radius: 18px;
    background: rgba(70,172,125,0.14);
    color: var(--kmbi-green-dark);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    flex-shrink: 0;
    box-shadow: inset 0 0 0 1px rgba(70,172,125,0.10);
}

.biometric-status-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 14px;
    margin-bottom: 14px;
    border-radius: 18px;
    background: rgba(25,57,82,0.04);
    border: 1px solid rgba(25,57,82,0.08);
}

.biometric-status-label {
    display: block;
    margin-bottom: 4px;
    color: var(--kmbi-muted);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 0.08em;
    line-height: 1.35;
    text-transform: uppercase;
}

.biometric-status-card strong {
    display: block;
    color: var(--kmbi-navy);
    font-size: 15px;
    line-height: 1.3;
}

.biometric-status-pill {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 32px;
    padding: 7px 11px;
    border-radius: 999px;
    font-size: 12px;
    font-weight: 800;
    white-space: nowrap;
}

.biometric-status-pill--muted {
    background: rgba(25,57,82,0.08);
    color: var(--kmbi-muted);
}

.biometric-status-pill--ready {
    background: rgba(255,193,7,0.16);
    color: #8a5d00;
}

.biometric-status-pill--success {
    background: rgba(70,172,125,0.14);
    color: var(--kmbi-green-dark);
}

.biometric-actions {
    display: grid;
    grid-template-columns: 1fr;
    gap: 10px;
}

.biometric-action-primary,
.biometric-action-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.biometric-action-primary[hidden],
.biometric-action-secondary[hidden] {
    display: none !important;
}

.loan-payments-modal .modal-card {
    max-height: calc(100dvh - 32px);
    overflow-y: auto;
}

.loan-payments-modal .modal-header {
    padding-bottom: 14px;
    border-bottom: 1px solid rgba(25,57,82,0.08);
}

.payments-summary {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 10px;
    margin-bottom: 14px;
}

.payments-summary-card {
    min-width: 0;
    padding: 14px;
    border-radius: 18px;
    background: rgba(255,255,255,0.74);
    border: 1px solid rgba(25,57,82,0.08);
    box-shadow: 0 12px 28px rgba(25,57,82,0.07);
}

    .payments-summary-card span {
        display: block;
        margin-bottom: 8px;
        color: var(--kmbi-muted);
        font-size: 11px;
        font-weight: 800;
        letter-spacing: 0.05em;
        line-height: 1.35;
        text-transform: uppercase;
    }

    .payments-summary-card strong {
        display: block;
        color: var(--kmbi-navy);
        font-size: 18px;
        line-height: 1.2;
        overflow-wrap: anywhere;
    }

.payments-summary-card--primary {
    background: rgba(70,172,125,0.12);
    border-color: rgba(70,172,125,0.20);
}

    .payments-summary-card--primary strong {
        color: var(--kmbi-green-dark);
    }

.payments-summary-card--total {
    background: rgba(25,57,82,0.92);
    border-color: rgba(25,57,82,0.24);
}

    .payments-summary-card--total span,
    .payments-summary-card--total strong {
        color: #fff;
    }

.payments-state {
    padding: 18px;
    border-radius: 18px;
    background: rgba(25,57,82,0.05);
    border: 1px solid rgba(25,57,82,0.08);
    color: var(--kmbi-muted);
    font-size: 14px;
    line-height: 1.6;
    text-align: center;
}

.payments-table-wrapper {
    border: 1px solid rgba(25,57,82,0.08);
    box-shadow: 0 14px 30px rgba(25,57,82,0.07);
}

.payments-table {
    min-width: 760px;
}

    .payments-table .amount {
        text-align: right;
    }

    .payments-table .payment-total {
        color: var(--kmbi-green-dark);
        font-weight: 800;
    }

.payments-pagination {
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-top: 14px;
    padding: 12px 14px;
    border-radius: 18px;
    background: rgba(25,57,82,0.04);
    border: 1px solid rgba(25,57,82,0.08);
}

.payments-page-status,
.payments-page-number {
    color: var(--kmbi-muted);
    font-size: 13px;
    font-weight: 700;
    line-height: 1.4;
}

.payments-page-actions {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

.payments-page-btn {
    width: 38px;
    height: 38px;
    border: 1px solid rgba(25,57,82,0.10);
    border-radius: 13px;
    background: rgba(255,255,255,0.86);
    color: var(--kmbi-navy);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

    .payments-page-btn:hover:not(:disabled) {
        background: rgba(70,172,125,0.12);
        border-color: rgba(70,172,125,0.24);
        color: var(--kmbi-green-dark);
        transform: translateY(-1px);
    }

    .payments-page-btn:disabled {
        cursor: not-allowed;
        opacity: 0.45;
    }

@media (max-width: 720px) {
    .payments-summary {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .payments-summary-card strong {
        font-size: 16px;
    }

    .payments-pagination {
        align-items: stretch;
        flex-direction: column;
    }

    .payments-page-actions {
        width: 100%;
        justify-content: space-between;
    }

    .payments-page-number {
        flex: 1;
        text-align: center;
    }
}

@media (max-width: 420px) {
    .payments-summary {
        grid-template-columns: 1fr;
    }

    .payments-table {
        min-width: 700px;
    }
}

/* ================= LOADER ================= */
.page-loader {
    position: fixed;
    inset: 0;
    background: rgba(255, 255, 255, 0.75);
    backdrop-filter: blur(2px);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 9999;
}

    .page-loader.show {
        display: flex;
    }

.page-loader__box {
    min-width: 220px;
    padding: 20px 24px;
    border-radius: 18px;
    background: #fff;
    border: 1px solid rgba(15, 23, 42, 0.08);
    box-shadow: 0 20px 50px rgba(15, 23, 42, 0.12);
    text-align: center;
}

.page-loader__spinner {
    width: 42px;
    height: 42px;
    margin: 0 auto 12px;
    border: 4px solid rgba(16, 185, 129, 0.18);
    border-top: 4px solid var(--kmbi-green-dark, #169c68);
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

.page-loader__text {
    font-size: 14px;
    color: #334155;
    line-height: 1.4;
}

@keyframes spin {
    to {
        transform: rotate(360deg);
    }
}

/* ================= BOTTOM NAV ================= */
.bottom-nav {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    max-width: 100%;
    height: 70px;
    background: #ffffff;
    border-top: 1px solid #e5e7eb;
    display: flex;
    justify-content: space-around;
    align-items: center;
    z-index: 1000;
    box-shadow: 0 -4px 12px rgba(0, 0, 0, 0.05);
    overflow: hidden;
}

.bottom-nav-item {
    flex: 1;
    min-width: 0;
    text-align: center;
    color: #9ca3af;
    font-size: 12px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    transition: all 0.2s ease;
}

    .bottom-nav-item i {
        font-size: 20px;
    }

    .bottom-nav-item.active {
        color: #16a34a;
        font-weight: 600;
    }

        .bottom-nav-item.active i {
            transform: scale(1.15);
        }

    .bottom-nav-item:active {
        transform: scale(0.95);
    }

/* ================= RESPONSIVE ================= */
@media (min-width: 768px) {
    .auth-shell {
        padding: 24px 24px 36px;
    }

    .auth-card {
        padding: 32px 28px 28px;
    }

    .auth-grid--2 {
        grid-template-columns: 1fr 1fr;
    }

    .auth-info-strip {
        grid-template-columns: 1fr 1fr;
    }

    .mobile-app-header {
        margin: 16px 16px 0;
        width: calc(100% - 32px);
        left: 16px;
        right: 16px;
        border-radius: 28px;
        padding: 22px;
    }

    .mobile-app-user-card {
        gap: 18px;
    }

    .mobile-app-user-card__actions {
        width: auto;
        flex-shrink: 0;
    }

    .app-content {
        padding-top: 260px;
        padding-left: 20px;
        padding-right: 20px;
        padding-bottom: 100px;
    }

    .dashboard-hero {
        padding: 24px;
    }

        .dashboard-hero h1 {
            font-size: 32px;
        }

    .dashboard-hero-content {
        flex-direction: row;
        justify-content: space-between;
        align-items: flex-start;
        gap: 16px;
        margin-bottom: 20px;
    }

    .metric-grid--dashboard {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .metric-card h3 {
        font-size: 28px;
    }

    .cbu-item strong {
        font-size: 16px;
    }

    .dashboard-panel {
        padding: 22px;
    }

    .panel-header h2 {
        font-size: 22px;
    }
}

@media (max-width: 520px) {
    .auth-topbar {
        padding: 12px 14px;
        border-radius: 20px;
    }

    .auth-brand-text small {
        display: none;
    }

    .auth-card {
        border-radius: 26px;
        padding: 24px 18px 22px;
    }

    .auth-card-header h1 {
        font-size: 26px;
    }

    .form-row {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
        gap: 8px;
        flex-wrap: wrap;
    }

    .checkbox-row {
        flex: 1 1 auto;
        min-width: 0;
    }

        .checkbox-row span {
            font-size: 12px;
            white-space: nowrap;
            overflow: hidden;
            text-overflow: ellipsis;
        }

    .text-link {
        flex-shrink: 0;
        white-space: nowrap;
        font-size: 12px;
    }

    .topbar-link {
        padding: 10px 12px;
        font-size: 13px;
    }
}

@media (max-width: 480px) {
    .modal-backdrop {
        padding: 12px;
        align-items: flex-end;
    }

    .modal-dialog,
    .modal-dialog--sm,
    .modal-dialog--lg {
        max-width: 100%;
    }

    .modal-card {
        border-radius: 22px 22px 18px 18px;
        padding: 18px;
    }

    .modal-header h2 {
        font-size: 22px;
    }

    .modal-actions {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 380px) {
    .mobile-app-user-card {
        align-items: flex-start;
    }

    .mobile-app-user-card__actions {
        flex-wrap: wrap;
        justify-content: flex-end;
        max-width: 88px;
        gap: 8px;
    }

    .cbu-breakdown {
        grid-template-columns: 1fr;
    }

    .mobile-app-brand__text h1 {
        font-size: 15px;
    }
}

.dashboard-meta {
    margin-top: 8px;
}

.date-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 6px 12px;
    font-size: 0.75rem;
    border-radius: 999px;
    background: rgba(70, 172, 125, 0.12);
    color: var(--kmbi-green-dark);
    border: 1px solid rgba(70,172,125,0.18);
    box-shadow: 0 6px 14px rgba(25,57,82,0.06);
    font-weight: 700;
}

    .date-badge i {
        font-size: 0.7rem;
        opacity: 0.85;
    }