:root {
    --bg: #0a0a0f;
    --surface: rgba(255, 255, 255, 0.03);
    --surface-glass: rgba(20, 20, 25, 0.4);
    --border: rgba(255, 255, 255, 0.08);
    --border-glass: rgba(255, 255, 255, 0.15);
    --text: #ffffff;
    --dim: #94a3b8;
    --green: #10b981;
    --cyan: #06b6d4;
    --violet: #8b5cf6;
    --pink: #ec4899;
    --red: #ef4444;
    --amber: #f59e0b;
    --radius: 20px;
    --radius-sm: 14px;
}
* { box-sizing: border-box; margin: 0; padding: 0; -webkit-tap-highlight-color: transparent; }
body { background: var(--bg); color: var(--text); font-family: 'Plus Jakarta Sans', sans-serif; overflow: hidden; height: 100vh; width: 100vw; }
#app { height: 100%; width: 100%; position: relative; overflow: hidden; }

/* Global Utilities */
.highlight-gradient {
    background: linear-gradient(90deg, var(--green), var(--cyan));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}
.font-bold { font-weight: 800; }
.glass-card {
    background: var(--surface-glass);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid var(--border-glass);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
}
.btn-gradient {
    background: linear-gradient(135deg, var(--green), var(--cyan));
    border: none;
    color: #fff;
}
.btn-glow {
    box-shadow: 0 0 20px rgba(16, 185, 129, 0.4);
}

/* Screens */
.screen { position: absolute; inset: 0; display: flex; flex-direction: column; opacity: 0; pointer-events: none; transition: opacity .4s, transform .4s; transform: translateX(30px); overflow-y: auto; overflow-x: hidden; padding-bottom: 80px; }
.screen.active { opacity: 1; pointer-events: auto; transform: translateX(0); }
.screen.exit-left { transform: translateX(-30px); opacity: 0; }

/* HOOK SCREEN (Splash) */
#screen-splash { justify-content: center; align-items: center; padding-bottom: 0; background: radial-gradient(ellipse at 50% 30%, rgba(16, 185, 129, 0.1), transparent 70%), #0a0a0f; }
.hook-bg { position: absolute; inset: 0; background: url('data:image/svg+xml;utf8,<svg viewBox="0 0 200 200" xmlns="http://www.w3.org/2000/svg"><filter id="noiseFilter"><feTurbulence type="fractalNoise" baseFrequency="0.65" numOctaves="3" stitchTiles="stitch"/></filter><rect width="100%" height="100%" filter="url(%23noiseFilter)" opacity="0.05"/></svg>'); opacity: 0.5; z-index: 0; pointer-events: none; }
.hook-content { z-index: 2; display: flex; flex-direction: column; align-items: flex-start; gap: 24px; padding: 0 30px; width: 100%; max-width: 400px; }
.hook-lines { display: flex; flex-direction: column; gap: 8px; }
.hook-line { font-size: 2.5rem; font-weight: 800; line-height: 1.1; letter-spacing: -1px; opacity: 0; transform: translateY(20px); }
.hook-line.hl-1 { animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.2s forwards; }
.hook-line.hl-2 { animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 0.8s forwards; }
.hook-line.hl-3 { animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 1.6s forwards; font-size: 2.8rem; margin-top: 8px; }
.hook-sub { color: var(--dim); font-size: 1rem; line-height: 1.5; opacity: 0; transform: translateY(10px); animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 2.6s forwards; }
#btn-get-started { opacity: 0; transform: translateY(10px); animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 3s forwards; width: 100%; font-size: 1.1rem; padding: 18px; margin-top: 10px; }
.speed-guarantee { font-size: 0.8rem; color: var(--dim); text-align: center; margin-top: 12px; font-weight: 600; opacity: 0; transform: translateY(10px); animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 3.2s forwards; }

.hook-card-bg { position: absolute; right: -80px; top: 15%; z-index: 1; pointer-events: none; opacity: 0.3; transform: rotate(-15deg); filter: blur(2px); }
.hook-card-float { width: 180px; height: 260px; padding: 20px; animation: floatCard 6s ease-in-out infinite; box-shadow: 0 0 50px rgba(6, 182, 212, 0.2); }
@keyframes floatCard { 0%, 100% { transform: translateY(0) rotateX(5deg) rotateY(15deg); } 50% { transform: translateY(-20px) rotateX(15deg) rotateY(5deg); } }

@keyframes textReveal { to { opacity: 1; transform: translateY(0); } }

/* Buttons */
.btn-primary { padding: 16px 40px; border-radius: var(--radius-sm); font-weight: 700; font-size: 1rem; cursor: pointer; transition: all .3s; font-family: inherit; width: 100%; max-width: 320px; }
.btn-primary:hover { filter: brightness(1.15); transform: translateY(-2px); }
.btn-primary:active { transform: scale(0.97); }
.btn-sm { background: rgba(255,255,255,0.1); color: #fff; border: 1px solid var(--border); padding: 8px 18px; border-radius: 8px; font-size: .8rem; font-weight: 600; cursor: pointer; font-family: inherit; transition: .3s; }
.btn-sm:hover { background: rgba(255,255,255,0.15); }

/* Top Bar */
.top-bar { display: flex; justify-content: space-between; align-items: center; padding: 16px 20px; position: sticky; top: 0; z-index: 50; backdrop-filter: blur(20px); background: rgba(10,10,15,0.8); border-bottom: 1px solid var(--border); min-height: 60px; flex-shrink: 0; }
.top-logo { font-weight: 800; font-size: 1.2rem; letter-spacing: -1px; }
.top-logo .tl-x { color: transparent; -webkit-text-stroke: 2px #fff; font-weight: 900; font-size: 1.4rem; }
.top-actions { display: flex; gap: 8px; }
.icon-btn { background: none; border: none; font-size: 1.3rem; cursor: pointer; position: relative; padding: 6px; }
.notif-dot { position: absolute; top: 4px; right: 4px; width: 8px; height: 8px; background: var(--pink); border-radius: 50%; box-shadow: 0 0 10px var(--pink); }
.back-btn { background: none; border: none; color: #fff; font-size: 1.4rem; cursor: pointer; padding: 6px 12px 6px 0; }
.top-bar h3 { font-size: 1rem; font-weight: 700; }

/* Progress Bar */
.progress-bar-container { flex: 1; height: 6px; background: rgba(255,255,255,0.1); border-radius: 3px; margin-left: 20px; overflow: hidden; max-width: 150px; }
.progress-bar { height: 100%; width: 25%; background: linear-gradient(90deg, var(--green), var(--cyan)); transition: width 0.4s ease; border-radius: 3px; }

/* Onboarding */
.ob-step { display: none; flex-direction: column; align-items: center; padding: 40px 24px; gap: 16px; animation: fadeUp .5s ease; }
.ob-step.active { display: flex; }
.ob-icon { font-size: 3.5rem; margin-bottom: 8px; animation: bounce 2s infinite; }
@keyframes bounce { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.ob-step h2 { font-size: 1.6rem; font-weight: 800; text-align: center; letter-spacing: -0.5px; }
.ob-desc { color: var(--dim); text-align: center; font-size: 1rem; }
.input-group { display: flex; align-items: center; border-radius: var(--radius-sm); padding: 4px; width: 100%; max-width: 320px; transition: border-color .3s; }
.input-group:focus-within { border-color: var(--cyan); box-shadow: 0 0 15px rgba(6, 182, 212, 0.2); }
.input-prefix { padding: 12px 8px 12px 16px; color: var(--dim); font-weight: 600; font-size: 1.1rem; }
.input-group input, .ob-step > .input-group input { background: none; border: none; color: #fff; padding: 12px; font-size: 1.1rem; outline: none; width: 100%; font-family: inherit; }
.otp-boxes { display: flex; gap: 12px; }
.otp-box { width: 56px; height: 64px; border-radius: var(--radius-sm); text-align: center; font-size: 1.8rem; font-weight: 800; color: #fff; outline: none; font-family: inherit; transition: .3s; }
.otp-box:focus { border-color: var(--cyan); box-shadow: 0 0 15px rgba(6, 182, 212, 0.2); }
.otp-timer { color: var(--cyan); font-size: .9rem; margin-top: 8px; font-weight: 600; }
.dot-pulse { animation: blink 1s infinite; }
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: .3; } }
.verify-status { margin-top: 12px; font-size: .9rem; display: flex; align-items: center; gap: 8px; font-weight: 600; }

/* FD Deposit */
.fd-amount-display { font-size: 3.5rem; font-weight: 800; text-align: center; }
.fd-rupee { color: var(--dim); font-size: 2rem; margin-right: 4px; }
input[type="range"] { width: 100%; max-width: 320px; height: 8px; -webkit-appearance: none; background: rgba(255,255,255,0.1); border-radius: 4px; outline: none; cursor: pointer; margin: 20px 0; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 28px; height: 28px; background: #fff; border: 2px solid var(--cyan); border-radius: 50%; cursor: pointer; box-shadow: 0 0 20px rgba(6, 182, 212, 0.6); }
.fd-range-labels { display: flex; justify-content: space-between; width: 100%; max-width: 320px; color: var(--dim); font-size: .8rem; font-weight: 600; }
.fd-stats { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; margin-top: 12px; }
.fd-stat { border-radius: var(--radius-sm); padding: 16px; text-align: center; display: flex; flex-direction: column; gap: 6px; min-width: 95px; }
.fd-stat-label { color: var(--dim); font-size: .7rem; text-transform: uppercase; letter-spacing: .5px; font-weight: 600; }
.fd-stat-value { font-weight: 800; font-size: 1.1rem; color: #fff; }
.trust-badges { display: flex; flex-direction: column; gap: 8px; margin: 16px 0; }
.trust-badge { font-size: .8rem; color: var(--dim); text-align: center; font-weight: 500; }

/* Success */
#confetti-container, #confetti-canvas { position: absolute; inset: 0; pointer-events: none; z-index: 100; width: 100%; height: 100%; }
.success-checkmark svg { width: 90px; height: 90px; }
.check-path { stroke-dasharray: 50; stroke-dashoffset: 50; animation: drawCheck .6s ease .3s forwards; }
@keyframes drawCheck { to { stroke-dashoffset: 0; } }
.mini-card-preview { width: 260px; height: 160px; background: linear-gradient(135deg, rgba(6, 182, 212, 0.2), rgba(10, 10, 15, 0.9)); border: 1px solid rgba(6, 182, 212, 0.4); border-radius: 20px; display: flex; align-items: center; justify-content: center; color: var(--dim); font-size: .85rem; margin: 20px 0; box-shadow: 0 10px 30px rgba(0,0,0,0.5); }
.card-enter-anim { animation: cardFlyIn 0.8s cubic-bezier(0.175, 0.885, 0.32, 1.275) forwards; opacity: 0; transform: translateY(50px) scale(0.9) rotateX(20deg); }
@keyframes cardFlyIn { to { opacity: 1; transform: translateY(0) scale(1) rotateX(0); } }

/* Dashboard */
.dash-scroll { padding: 24px 20px; overflow-y: auto; flex: 1; }
.dash-greeting { font-size: 1.5rem; font-weight: 800; margin-bottom: 24px; letter-spacing: -0.5px; }
.section-title { font-size: 1.4rem; font-weight: 800; margin-bottom: 20px; letter-spacing: -0.5px; text-align: center; }

/* Hero CIBIL */
.hero-cibil-widget { display: flex; align-items: center; justify-content: space-between; border-radius: var(--radius); padding: 24px; margin-bottom: 24px; cursor: pointer; transition: transform 0.3s, box-shadow 0.3s; }
.hero-cibil-widget:hover { transform: translateY(-3px); box-shadow: 0 12px 40px rgba(6, 182, 212, 0.15); border-color: rgba(6, 182, 212, 0.4); }
.hc-left { display: flex; flex-direction: column; gap: 4px; }
.hc-label { font-size: 0.8rem; text-transform: uppercase; letter-spacing: 1px; color: var(--dim); font-weight: 700; }
.hc-score { font-size: 3rem; font-weight: 900; line-height: 1; }
.hc-status { font-size: 0.85rem; color: #fff; font-weight: 600; margin-top: 4px; }
.hc-right { width: 70px; height: 70px; }
.circular-chart { display: block; margin: 0 auto; max-width: 100%; max-height: 250px; }
.circle-bg { fill: none; stroke: rgba(255,255,255,0.05); stroke-width: 2.5; }
.circle { fill: none; stroke-width: 2.5; stroke-linecap: round; stroke: url(#arcGrad); transition: stroke-dasharray 1.5s ease; }

/* Mini Card Dashboard */
.dash-card-widget { background: linear-gradient(135deg, #131a22, #0a0a0f); border: 1px solid rgba(16, 185, 129, 0.3); border-radius: 24px; padding: 24px; margin-bottom: 24px; cursor: pointer; transition: all .3s; position: relative; overflow: hidden; box-shadow: 0 10px 30px rgba(0,0,0,0.5); color: #fff; }
.dash-card-widget::before { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, rgba(6, 182, 212, 0.1), transparent); pointer-events: none; }
.dash-card-widget:hover { border-color: rgba(6, 182, 212, 0.5); transform: translateY(-3px); box-shadow: 0 15px 40px rgba(6, 182, 212, 0.2); }
.dash-card-inner { position: relative; z-index: 1; }
.dc-top { display: flex; justify-content: space-between; margin-bottom: 24px; }
.dc-logo { font-weight: 800; font-size: 1.2rem; letter-spacing: -1px; color: #fff; }
.dc-network { font-style: italic; font-weight: 900; color: rgba(255,255,255,0.5); font-size: 1.1rem; }
.dc-chip { width: 40px; height: 30px; background: linear-gradient(135deg, #fbbf24, #d97706); border-radius: 6px; margin-bottom: 20px; box-shadow: inset 0 0 5px rgba(0,0,0,0.3); }
.dc-number { font-family: monospace; font-size: 1.1rem; letter-spacing: 2px; color: rgba(255,255,255,0.6); margin-bottom: 20px; font-weight: 600; }
.dc-bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.dc-name { font-size: .8rem; letter-spacing: 1px; color: rgba(255,255,255,0.5); font-weight: 600; }
.dc-exp { font-size: .8rem; color: rgba(255,255,255,0.5); font-weight: 600; }

/* Card Limit */
.dash-limit-wrapper { padding: 20px; border-radius: 20px; margin-bottom: 24px; display: flex; flex-direction: column; gap: 12px; }
.dl-top { display: flex; justify-content: space-between; align-items: flex-end; }
.dl-label { font-size: .85rem; font-weight: 700; color: var(--dim); }
.dl-value { font-size: 1.2rem; font-weight: 800; }
.dl-track { height: 8px; background: var(--border-glass); border-radius: 10px; overflow: hidden; position: relative; box-shadow: inset 0 1px 3px rgba(0,0,0,0.1); }
.dl-fill { height: 100%; background: linear-gradient(90deg, var(--green), var(--cyan)); border-radius: 10px; transition: width 1.5s cubic-bezier(0.16, 1, 0.3, 1); box-shadow: 0 0 10px rgba(6, 182, 212, 0.4); }
.dl-bottom { display: flex; justify-content: space-between; font-size: .75rem; color: var(--dim); font-weight: 600; }

.stats-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 24px; }
.stat-card { border-radius: var(--radius); padding: 20px; display: flex; flex-direction: column; gap: 8px; transition: .3s; }
.stat-card:hover { border-color: rgba(255,255,255,0.2); transform: translateY(-2px); }
.stat-icon { font-size: 1.5rem; }
.stat-label { font-size: .75rem; color: var(--dim); text-transform: uppercase; letter-spacing: 1px; font-weight: 700; }
.stat-value { font-size: 1.4rem; font-weight: 800; }

.quick-actions { display: flex; gap: 12px; margin-bottom: 30px; overflow-x: auto; padding-bottom: 8px; }
.qa-btn { border-radius: var(--radius-sm); padding: 14px 20px; color: #fff; font-size: .9rem; font-weight: 700; cursor: pointer; white-space: nowrap; font-family: inherit; display: flex; align-items: center; gap: 8px; transition: .3s; }
.qa-btn:hover { border-color: rgba(255,255,255,0.25); transform: translateY(-2px); }
.qa-btn span { font-size: 1.2rem; }

.section-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.section-header h3 { font-size: 1.1rem; font-weight: 800; }
.link-btn { background: none; border: none; color: var(--cyan); font-size: .85rem; font-weight: 700; cursor: pointer; font-family: inherit; }

/* Transactions */
.txn-list { display: flex; flex-direction: column; gap: 12px; }
.txn-item { display: flex; align-items: center; gap: 16px; padding: 16px; background: var(--surface-glass); border: 1px solid var(--border-glass); border-radius: var(--radius-sm); transition: .3s; animation: fadeUp .4s ease backwards; }
.txn-item:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.2); }
.txn-icon { font-size: 1.6rem; width: 50px; height: 50px; display: flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.05); border-radius: 14px; flex-shrink: 0; }
.txn-info { flex: 1; min-width: 0; }
.txn-name { font-weight: 700; font-size: 1rem; margin-bottom: 2px; }
.txn-cat { font-size: .8rem; color: var(--dim); }
.txn-right { text-align: right; flex-shrink: 0; }
.txn-amount { font-weight: 800; font-size: 1.05rem; margin-bottom: 2px; }
.txn-cashback { font-size: .75rem; color: var(--cyan); font-weight: 600; }
.txn-date { font-size: .7rem; color: var(--dim); font-weight: 500; }

.txn-summary { display: flex; gap: 12px; padding: 16px 20px 0; overflow-x: auto; }
.txn-sum-card { background: var(--surface-glass); border: 1px solid var(--border-glass); border-radius: var(--radius-sm); padding: 16px 24px; text-align: center; min-width: 140px; flex-shrink: 0; }
.txn-sum-card .tsc-val { font-size: 1.4rem; font-weight: 900; display: block; margin-bottom: 4px; }
.txn-sum-card .tsc-label { font-size: .75rem; color: var(--dim); text-transform: uppercase; font-weight: 700; letter-spacing: 1px; }

.txn-insights { margin: 20px; padding: 16px; display: flex; align-items: center; gap: 16px; border-radius: var(--radius-sm); border-color: rgba(236, 72, 153, 0.3); }
.ti-icon { font-size: 2rem; }
.ti-text strong { display: block; font-size: 1rem; margin-bottom: 4px; color: var(--pink); }
.ti-text span { font-size: 0.85rem; color: var(--dim); line-height: 1.4; }

.month-tabs { display: flex; gap: 12px; padding: 20px; overflow-x: auto; }
.month-tab { background: var(--surface-glass); border: 1px solid var(--border-glass); border-radius: 30px; padding: 10px 24px; font-size: .9rem; font-weight: 700; color: var(--dim); cursor: pointer; transition: .3s; font-family: inherit; }
.month-tab.active { background: linear-gradient(135deg, var(--green), var(--cyan)); color: #fff; border-color: transparent; }
.txn-list.full { padding: 0 20px 20px; }

/* Card View */
.card-view-container { flex: 1; display: flex; flex-direction: column; align-items: center; padding: 30px 20px; gap: 30px; }
.card-3d-wrapper { perspective: 1200px; width: 320px; height: 200px; }
.card-3d-inner { width: 100%; height: 100%; position: relative; transition: transform 0.8s cubic-bezier(0.175, 0.885, 0.32, 1.275); transform-style: preserve-3d; }
.card-3d-inner.flipped { transform: rotateY(180deg); }
.card-3d-face { position: absolute; inset: 0; backface-visibility: hidden; border-radius: 20px; padding: 24px; display: flex; flex-direction: column; }
.card-front { background: linear-gradient(135deg, #131a22, #0a0a0f); border: 1px solid rgba(6, 182, 212, 0.3); box-shadow: 0 25px 60px rgba(0,0,0,0.6); }
.card-back { background: linear-gradient(135deg, #131a22, #0a0a0f); border: 1px solid rgba(6, 182, 212, 0.3); transform: rotateY(180deg); box-shadow: 0 25px 60px rgba(0,0,0,0.6); }
.cf-top { display: flex; justify-content: space-between; margin-bottom: 16px; }
.cf-logo { font-weight: 800; font-size: 1.1rem; letter-spacing: -1px; }
.cf-chip { width: 42px; height: 32px; background: linear-gradient(135deg, #fbbf24, #d97706); border-radius: 6px; margin-bottom: 24px; box-shadow: inset 0 0 5px rgba(0,0,0,0.3); }
.cf-number { font-family: monospace; font-size: 1.2rem; letter-spacing: 3px; color: rgba(255,255,255,0.8); margin-bottom: auto; font-weight: 600; }
.cf-bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.cf-bottom > div { display: flex; flex-direction: column; gap: 4px; }
.cf-label { font-size: .6rem; color: var(--dim); text-transform: uppercase; letter-spacing: 1px; font-weight: 700; }
.cf-val { font-size: .9rem; font-weight: 700; }
.cf-network { font-style: italic; font-weight: 900; color: var(--dim); font-size: 1.2rem; }
.cb-strip { height: 45px; background: rgba(0,0,0,0.8); margin: -24px -24px 20px -24px; }
.cb-cvv-area { display: flex; align-items: center; gap: 16px; background: rgba(255,255,255,0.1); padding: 12px 20px; border-radius: 10px; align-self: flex-end; margin-bottom: auto; }
.cb-cvv-label { font-size: .75rem; color: var(--dim); font-weight: 700; }
.cb-cvv { font-weight: 800; font-size: 1.2rem; letter-spacing: 4px; }
.cb-note { font-size: .7rem; color: var(--dim); text-align: center; line-height: 1.6; font-weight: 500; }
.cb-bottom { display: flex; justify-content: space-between; font-size: .9rem; color: var(--dim); font-weight: 800; }
.card-actions { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; width: 100%; max-width: 320px; }
.ca-btn { border-radius: var(--radius-sm); padding: 12px 20px; color: #fff; font-size: .85rem; font-weight: 700; cursor: pointer; transition: .3s; flex: 1; min-width: 120px; text-align: center; border: none; }
.ca-btn:hover { background: rgba(255,255,255,0.15); transform: translateY(-2px); }
.card-info-box { border-radius: var(--radius); padding: 24px; width: 100%; max-width: 320px; }
.cib-row { display: flex; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--border-glass); font-size: .95rem; font-weight: 600; }
.cib-row:last-child { border-bottom: none; padding-bottom: 0; }
.cib-row span:first-child { color: var(--dim); }
.status-active { color: var(--green); font-weight: 800; text-shadow: 0 0 10px rgba(16,185,129,0.3); }

/* Auto-Settle */
.settle-container { padding: 20px; display: flex; flex-direction: column; align-items: center; gap: 20px; }
.settle-toggle { display: flex; border-radius: var(--radius-sm); overflow: hidden; width: 100%; max-width: 380px; padding: 4px; }
.stg-btn { flex: 1; background: none; border: none; padding: 14px; color: var(--dim); font-weight: 700; font-size: .9rem; cursor: pointer; transition: .3s; border-radius: 10px; }
.stg-btn.active { background: linear-gradient(135deg, var(--green), var(--cyan)); color: #fff; box-shadow: 0 4px 15px rgba(6, 182, 212, 0.3); }
.settle-flow { display: flex; flex-direction: column; align-items: center; gap: 0; width: 100%; max-width: 380px; padding: 10px 0; }
.sf-step { display: flex; align-items: center; gap: 16px; padding: 20px 24px; border-radius: var(--radius-sm); width: 100%; opacity: 0.3; transition: all .5s cubic-bezier(0.34, 1.56, 0.64, 1); transform: scale(0.95); }
.sf-step.active { opacity: 1; transform: scale(1.02); border-color: var(--cyan); box-shadow: 0 0 25px rgba(6, 182, 212, 0.2); }
.sf-step.done { opacity: 1; transform: scale(1); border-color: rgba(6, 182, 212, 0.3); }
.sf-icon { font-size: 1.8rem; flex-shrink: 0; }
.sf-text { font-size: .95rem; line-height: 1.5; }
.sf-text strong { display: block; font-size: 1.05rem; font-weight: 800; margin-bottom: 2px; }
.sf-text span { color: var(--dim); }
.sf-line { width: 3px; height: 30px; background: var(--border-glass); transition: background .5s; }
.sf-line.active { background: linear-gradient(180deg, var(--green), var(--cyan)); box-shadow: 0 0 10px rgba(6, 182, 212, 0.4); }

.settle-streak { display: flex; align-items: center; gap: 20px; padding: 24px; border-radius: var(--radius); width: 100%; max-width: 380px; border-color: rgba(239, 68, 68, 0.3); margin-top: 10px; }
.streak-icon { font-size: 3rem; animation: bounce 2s infinite; }
.streak-content { flex: 1; }
.streak-number { font-size: 1.6rem; font-weight: 900; margin-bottom: 4px; }
.streak-label { color: var(--dim); font-size: .85rem; font-weight: 600; line-height: 1.4; }

.settle-history { width: 100%; max-width: 380px; margin-top: 20px; }
.settle-history h3 { font-size: 1.1rem; font-weight: 800; margin-bottom: 16px; }
.sh-timeline { display: flex; flex-direction: column; gap: 12px; }
.sh-item { display: flex; align-items: center; gap: 14px; padding: 16px; background: var(--surface-glass); border: 1px solid var(--border-glass); border-radius: var(--radius-sm); font-size: .9rem; font-weight: 600; }
.sh-check { color: var(--cyan); font-weight: 800; font-size: 1.2rem; }
.sh-info { flex: 1; }
.sh-info strong { color: #fff; font-size: 1rem; }
.sh-date { color: var(--dim); font-size: .75rem; margin-top: 4px; }

/* CIBIL */
.cibil-container { padding: 20px; display: flex; flex-direction: column; align-items: center; gap: 24px; }
.cibil-score-display { position: relative; width: 260px; height: 160px; }
.cibil-arc { width: 100%; height: 100%; position: relative; }
.cibil-arc svg { width: 100%; height: 100%; }
.cibil-score-num { position: absolute; bottom: 15px; left: 50%; transform: translateX(-50%); font-size: 3.8rem; font-weight: 900; }
.cibil-score-label { position: absolute; bottom: -5px; left: 50%; transform: translateX(-50%); font-size: .8rem; color: var(--dim); text-transform: uppercase; letter-spacing: 2px; font-weight: 700; }
.cibil-chart { width: 100%; max-width: 420px; border-radius: var(--radius); padding: 20px; overflow: hidden; }
#cibil-canvas { width: 100%; height: auto; }
.cibil-milestones { width: 100%; max-width: 420px; display: flex; flex-direction: column; gap: 12px; margin-top: 10px; }
.cm-item { display: flex; gap: 16px; padding: 16px; background: var(--surface-glass); border: 1px solid var(--border-glass); border-radius: var(--radius-sm); animation: fadeUp .4s ease backwards; }
.cm-dot { width: 12px; height: 12px; border-radius: 50%; flex-shrink: 0; margin-top: 4px; box-shadow: 0 0 10px currentColor; }
.cm-text { flex: 1; }
.cm-text strong { display: block; margin-bottom: 4px; font-size: .95rem; font-weight: 700; }
.cm-text span { color: var(--dim); font-size: .85rem; font-weight: 500; }

/* Settings */
.settings-container { padding: 20px; display: flex; flex-direction: column; gap: 20px; }
.settings-group { border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; gap: 4px; }
.settings-group h4 { font-size: .85rem; color: var(--cyan); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px; font-weight: 800; }
.setting-row { display: flex; justify-content: space-between; align-items: center; padding: 16px 0; border-bottom: 1px solid var(--border-glass); }
.setting-row:last-child { border-bottom: none; padding-bottom: 0; }
.setting-row strong { font-size: 1rem; display: block; font-weight: 700; margin-bottom: 4px; }
.setting-row p { font-size: .8rem; color: var(--dim); font-weight: 500; }
.toggle { position: relative; width: 52px; height: 30px; flex-shrink: 0; }
.toggle input { opacity: 0; width: 0; height: 0; }
.toggle-slider { position: absolute; inset: 0; background: rgba(255,255,255,0.2); border-radius: 30px; cursor: pointer; transition: .3s; }
.toggle-slider::before { content: ''; position: absolute; width: 24px; height: 24px; background: #fff; border-radius: 50%; top: 3px; left: 3px; transition: .3s cubic-bezier(0.175, 0.885, 0.32, 1.275); }
.toggle input:checked + .toggle-slider { background: linear-gradient(90deg, var(--green), var(--cyan)); }
.toggle input:checked + .toggle-slider::before { transform: translateX(22px); }
.setting-select { padding: 10px 14px; color: #fff; font-size: .9rem; font-weight: 600; outline: none; cursor: pointer; }
.setting-select option { background: #1a1a24; color: #fff; }

/* Bottom Nav */
.bottom-nav { position: fixed; bottom: 0; left: 0; right: 0; display: flex; justify-content: space-around; padding: 12px 0 max(12px, env(safe-area-inset-bottom)); border-top-left-radius: 24px; border-top-right-radius: 24px; z-index: 100; border-bottom: none; }
.nav-tab { background: none; border: none; display: flex; flex-direction: column; align-items: center; gap: 6px; padding: 8px 12px; cursor: pointer; transition: .3s; color: var(--dim); font-family: inherit; }
.nav-tab.active { color: var(--cyan); text-shadow: 0 0 15px rgba(6, 182, 212, 0.5); }
.nav-tab.active .nav-icon { transform: translateY(-4px) scale(1.2); }
.nav-icon { font-size: 1.4rem; transition: transform .3s cubic-bezier(0.175, 0.885, 0.32, 1.275); }
.nav-tab span:last-child { font-size: .7rem; font-weight: 700; }

/* Toast */
.toast { position: fixed; bottom: 120px; left: 50%; transform: translateX(-50%) translateY(20px); background: linear-gradient(90deg, var(--green), var(--cyan)); color: #fff; padding: 14px 28px; border-radius: 30px; font-size: .95rem; font-weight: 800; opacity: 0; transition: all .4s cubic-bezier(0.175, 0.885, 0.32, 1.275); z-index: 200; pointer-events: none; white-space: nowrap; box-shadow: 0 10px 25px rgba(6, 182, 212, 0.3); }
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* Scanner FAB */
.scanner-fab { position: fixed; bottom: 100px; right: 20px; color: #fff; border: none; border-radius: 20px; padding: 16px 24px; display: flex; align-items: center; gap: 10px; font-family: inherit; font-weight: 800; font-size: .95rem; cursor: pointer; box-shadow: 0 10px 30px rgba(6, 182, 212, 0.4); z-index: 90; transition: all .3s; animation: fabPulse 2s ease infinite; }
.scanner-fab:hover { transform: translateY(-4px) scale(1.05); box-shadow: 0 15px 40px rgba(6, 182, 212, 0.5); }
.scanner-fab:active { transform: scale(0.95); }
@keyframes fabPulse { 0%, 100% { box-shadow: 0 10px 30px rgba(6, 182, 212, 0.4); } 50% { box-shadow: 0 10px 30px rgba(6, 182, 212, 0.7), 0 0 0 10px rgba(6, 182, 212, 0.1); } }

/* Scanner Overlay */
.scanner-overlay { position: fixed; inset: 0; background: rgba(5,5,10,0.95); backdrop-filter: blur(20px); z-index: 300; display: none; flex-direction: column; }
.scanner-overlay.open { display: flex; animation: fadeUp .4s cubic-bezier(0.16, 1, 0.3, 1); }
.scanner-phase { display: none; flex-direction: column; flex: 1; overflow-y: auto; }
.scanner-phase.active { display: flex; }
.scanner-top-bar { display: flex; justify-content: space-between; align-items: center; padding: 20px; border-bottom: 1px solid var(--border-glass); flex-shrink: 0; }
.scanner-top-bar span { font-weight: 800; font-size: 1.1rem; }
.scanner-close { background: none; border: none; color: #fff; font-size: 1.6rem; cursor: pointer; padding: 4px 8px; width: 40px; }

/* Viewfinder */
.scanner-viewfinder { flex: 1; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 30px; background: radial-gradient(ellipse at center, rgba(6, 182, 212, 0.1), transparent 70%); }
.scanner-frame { width: 240px; height: 240px; position: relative; display: flex; align-items: center; justify-content: center; }
.sf-corner { position: absolute; width: 40px; height: 40px; border-color: var(--cyan); border-style: solid; border-width: 0; }
.sf-corner.tl { top: 0; left: 0; border-top-width: 4px; border-left-width: 4px; border-radius: 12px 0 0 0; }
.sf-corner.tr { top: 0; right: 0; border-top-width: 4px; border-right-width: 4px; border-radius: 0 12px 0 0; }
.sf-corner.bl { bottom: 0; left: 0; border-bottom-width: 4px; border-left-width: 4px; border-radius: 0 0 0 12px; }
.sf-corner.br { bottom: 0; right: 0; border-bottom-width: 4px; border-right-width: 4px; border-radius: 0 0 12px 0; }
.scanner-laser { position: absolute; left: 10px; right: 10px; height: 3px; background: linear-gradient(90deg, transparent, var(--cyan), transparent); box-shadow: 0 0 15px var(--cyan); animation: laserMove 2.5s ease-in-out infinite; top: 10px; }
@keyframes laserMove { 0% { top: 10px; opacity: 1; } 50% { top: 220px; opacity: .8; } 100% { top: 10px; opacity: 1; } }
.fake-qr { opacity: 0.25; animation: qrAppear 1s ease .4s forwards; }
@keyframes qrAppear { to { opacity: 0.6; } }
.scanner-hint { color: var(--dim); font-size: .95rem; text-align: center; font-weight: 600; }
.fake-qr.scanned { animation: qrScanned .5s cubic-bezier(0.175, 0.885, 0.32, 1.275) forwards; }
@keyframes qrScanned { 0% { opacity: .6; transform: scale(1); } 50% { opacity: 1; transform: scale(1.1); filter: drop-shadow(0 0 10px rgba(6, 182, 212, 0.5)); } 100% { opacity: .3; transform: scale(0.95); } }

/* Round-Up Container */
.roundup-container { flex: 1; padding: 30px 20px; display: flex; flex-direction: column; align-items: center; gap: 24px; animation: fadeUp .5s cubic-bezier(0.16, 1, 0.3, 1); }
.roundup-merchant { text-align: center; display: flex; flex-direction: column; align-items: center; gap: 6px; }
.roundup-merchant-icon { font-size: 2.8rem; width: 72px; height: 72px; display: flex; align-items: center; justify-content: center; border-radius: 20px; border-color: rgba(6, 182, 212, 0.3); }
.roundup-merchant-name { font-weight: 800; font-size: 1.2rem; margin-top: 10px; }
.roundup-merchant-upi { color: var(--dim); font-size: .85rem; font-weight: 500; }
.roundup-bill-section { text-align: center; }
.roundup-label { color: var(--dim); font-size: .8rem; text-transform: uppercase; letter-spacing: 1px; font-weight: 700; margin-bottom: 6px; }
.roundup-bill-amount { font-size: 3rem; font-weight: 900; }
.roundup-engine-box { padding: 24px; width: 100%; max-width: 380px; opacity: 0; transform: translateY(20px); transition: all .6s cubic-bezier(0.175, 0.885, 0.32, 1.275); border-color: rgba(6, 182, 212, 0.4); }
.roundup-engine-box.visible { opacity: 1; transform: translateY(0); }
.roundup-engine-header { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.roundup-engine-icon { font-size: 1.4rem; }
.roundup-engine-title { font-weight: 800; font-size: 1.05rem; }
.roundup-breakdown { display: flex; flex-direction: column; gap: 12px; }
.roundup-row { display: flex; justify-content: space-between; font-size: .95rem; font-weight: 600; align-items: center; }
.roundup-highlight { background: rgba(6, 182, 212, 0.1); margin: 0 -16px; padding: 12px 16px; border-radius: 12px; }
.roundup-val-big { font-weight: 900; font-size: 1.2rem; }
.roundup-divider { height: 1px; background: var(--border-glass); margin: 6px 0; }
.roundup-fd-row span:last-child { font-weight: 900; font-size: 1.3rem; }
.roundup-fd-amount { animation: fdPop .6s cubic-bezier(0.175, 0.885, 0.32, 1.275); display: inline-block; }
@keyframes fdPop { 0% { transform: scale(0.5); opacity: 0; } 60% { transform: scale(1.3); } 100% { transform: scale(1); opacity: 1; } }
.roundup-note { font-size: .8rem; color: var(--dim); line-height: 1.5; margin-top: 16px; text-align: center; padding: 12px; background: rgba(255,255,255,0.05); border-radius: 10px; font-weight: 500; }
.roundup-total-section { text-align: center; padding: 20px; width: 100%; max-width: 380px; opacity: 0; transform: translateY(20px); transition: all .6s cubic-bezier(0.175, 0.885, 0.32, 1.275) .2s; }
.roundup-total-section.visible { opacity: 1; transform: translateY(0); }
.roundup-total-label { color: var(--dim); font-size: .75rem; text-transform: uppercase; letter-spacing: 1px; font-weight: 700; }
.roundup-total-amount { font-size: 2.5rem; font-weight: 900; margin: 8px 0; }
.roundup-total-split { font-size: .8rem; color: var(--dim); font-weight: 600; }

/* Payment Success */
.roundup-success { flex: 1; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 20px; padding: 30px 20px; animation: fadeUp .6s cubic-bezier(0.16, 1, 0.3, 1); }
.roundup-success-check svg { width: 100px; height: 100px; filter: drop-shadow(0 0 20px rgba(16,185,129,0.4)); }
.roundup-success-amount { font-size: 3.5rem; font-weight: 900; }
.roundup-success-to { color: var(--dim); font-size: 1rem; font-weight: 600; }
.roundup-success-breakdown { padding: 20px; width: 100%; max-width: 360px; margin-top: 10px; }
.rsb-item { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--border-glass); font-size: .95rem; font-weight: 600; }
.rsb-item:last-child { border-bottom: none; padding-bottom: 0; }
.rsb-green { font-weight: 800; }
.roundup-streak { margin: 10px 0; padding: 16px 24px; display: flex; align-items: center; gap: 12px; border-radius: 100px; font-weight: 800; color: #fff; border-color: rgba(245, 158, 11, 0.4); box-shadow: 0 0 20px rgba(245, 158, 11, 0.2); }

@media(min-width: 768px) {
    #app { max-width: 430px; margin: 0 auto; border-left: 1px solid var(--border-glass); border-right: 1px solid var(--border-glass); box-shadow: 0 0 50px rgba(0,0,0,0.5); }
    .bottom-nav { max-width: 430px; left: 50%; transform: translateX(-50%); border-radius: 24px 24px 0 0; }
    .scanner-overlay { max-width: 430px; left: 50%; transform: translateX(-50%); }
    .scanner-fab { right: calc(50% - 215px + 20px); }
    .toast { max-width: 380px; }
}

@keyframes fadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }

/* "View Demo" Skip Button */
.btn-demo { background: none; border: 1px solid rgba(255,255,255,0.2); color: var(--dim); padding: 12px; border-radius: var(--radius-sm); font-size: .85rem; font-weight: 600; cursor: pointer; width: 100%; margin-top: 12px; font-family: inherit; transition: all .3s; opacity: 0; animation: textReveal 0.8s cubic-bezier(0.16, 1, 0.3, 1) 3.5s forwards; }
.btn-demo:hover { border-color: var(--cyan); color: var(--cyan); background: rgba(6, 182, 212, 0.05); }

/* Tap Animation (Haptic feel for ALL buttons) */
button:active, .qa-btn:active, .nav-tab:active, .ca-btn:active, .stg-btn:active, .icon-btn:active {
    transform: scale(0.92) !important;
    transition: transform 0.1s ease !important;
}

/* Notification Dropdown */
.notif-dropdown { position: absolute; top: 60px; right: 12px; width: calc(100% - 24px); max-width: 380px; background: rgba(15, 15, 20, 0.98); backdrop-filter: blur(20px); border: 1px solid var(--border-glass); border-radius: var(--radius); box-shadow: 0 20px 60px rgba(0,0,0,0.7); z-index: 60; display: none; flex-direction: column; overflow: hidden; }
.notif-dropdown.open { display: flex; animation: notifSlideIn .3s cubic-bezier(0.16, 1, 0.3, 1); }
@keyframes notifSlideIn { from { opacity: 0; transform: translateY(-10px) scale(0.97); } to { opacity: 1; transform: translateY(0) scale(1); } }
.notif-header { display: flex; justify-content: space-between; align-items: center; padding: 16px 20px; border-bottom: 1px solid var(--border-glass); }
.notif-header strong { font-size: 1rem; font-weight: 800; }
.notif-badge { font-size: .7rem; background: linear-gradient(135deg, var(--pink), var(--violet)); color: #fff; padding: 4px 10px; border-radius: 20px; font-weight: 800; }
.notif-item { display: flex; gap: 14px; padding: 16px 20px; border-bottom: 1px solid var(--border); transition: background .2s; cursor: pointer; }
.notif-item:last-child { border-bottom: none; }
.notif-item:hover { background: rgba(255,255,255,0.04); }
.notif-unread { background: rgba(6, 182, 212, 0.04); }
.notif-unread::before { content: ''; width: 4px; background: linear-gradient(180deg, var(--cyan), var(--green)); border-radius: 2px; flex-shrink: 0; }
.notif-item-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.notif-item-content { flex: 1; min-width: 0; }
.notif-item-content strong { font-size: .9rem; font-weight: 700; display: block; margin-bottom: 4px; }
.notif-item-content span { font-size: .8rem; color: var(--dim); font-weight: 500; line-height: 1.4; }

/* Pull to Refresh */
.pull-indicator { display: flex; align-items: center; justify-content: center; gap: 10px; padding: 0; height: 0; overflow: hidden; transition: height .3s, padding .3s; color: var(--cyan); font-size: .85rem; font-weight: 700; }
.pull-indicator.visible { height: 50px; padding: 12px 0; }
.pull-spinner { width: 20px; height: 20px; border: 3px solid var(--border-glass); border-top-color: var(--cyan); border-radius: 50%; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* Light Mode Overrides */
body.light-mode {
    --bg: #f8fafc;
    --surface: #ffffff;
    --surface-glass: rgba(255, 255, 255, 0.85);
    --border: rgba(0, 0, 0, 0.06);
    --border-glass: rgba(0, 0, 0, 0.1);
    --text: #0f172a;
    --dim: #64748b;
}
body.light-mode #screen-splash { background: radial-gradient(ellipse at 50% 30%, rgba(16, 185, 129, 0.15), transparent 70%), #f8fafc; }
body.light-mode .top-bar { background: rgba(255, 255, 255, 0.85); border-bottom-color: var(--border-glass); }
body.light-mode .top-logo .tl-x { -webkit-text-stroke: 2px #0f172a; }
body.light-mode .bottom-nav { background: rgba(255, 255, 255, 0.95); }
body.light-mode .glass-card { box-shadow: 0 8px 32px rgba(0, 0, 0, 0.05); }
body.light-mode .txn-icon { background: #f1f5f9; }
body.light-mode .ca-btn { background: #f1f5f9; color: #0f172a; }
body.light-mode .qa-btn { color: #0f172a; }
body.light-mode .icon-btn { background: #f1f5f9; color: #0f172a; }
body.light-mode .hc-status { color: var(--dim); }
body.light-mode .notif-dropdown { background: rgba(255, 255, 255, 0.98); }
body.light-mode .back-btn { color: #0f172a; }
body.light-mode .toggle-slider { background: rgba(0,0,0,0.2); }
body.light-mode .setting-select { color: #0f172a; background: transparent; }
body.light-mode .setting-select option { background: #fff; color: #0f172a; }
body.light-mode .btn-sm { background: rgba(0,0,0,0.05); color: #0f172a; border-color: rgba(0,0,0,0.1); }
body.light-mode .btn-sm:hover { background: rgba(0,0,0,0.1); }
body.light-mode .input-group input, body.light-mode .ob-step > .input-group input { color: #0f172a; }
body.light-mode .otp-box { color: #0f172a; }
body.light-mode .fd-stat-value { color: #0f172a; }
body.light-mode .sh-info strong { color: #0f172a; }
body.light-mode .scanner-close { color: #0f172a; }

/* Skeleton Overlay */
.skeleton-overlay { position: absolute; inset: 0; padding: 100px 20px 20px; z-index: 50; display: flex; flex-direction: column; gap: 20px; background: var(--bg); }
.skel-box { background: var(--surface); border-radius: var(--radius-sm); position: relative; overflow: hidden; }
.skel-box::after { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, transparent, rgba(255,255,255,0.05), transparent); transform: translateX(-100%); animation: shimmer 1.2s infinite; }
body.light-mode .skel-box::after { background: linear-gradient(90deg, transparent, rgba(0,0,0,0.03), transparent); }
@keyframes shimmer { 100% { transform: translateX(100%); } }
.skel-greeting { width: 60%; height: 24px; }
.skel-hero { width: 100%; height: 140px; border-radius: var(--radius); }
.skel-title { width: 40%; height: 20px; margin-top: 10px; }
.skel-row { width: 100%; height: 70px; }

/* Smart OTP Status */
.smart-otp-status { display: none; align-items: center; justify-content: center; gap: 8px; margin-top: 20px; color: var(--dim); font-size: .85rem; font-weight: 600; opacity: 0; animation: fadeUp .3s forwards; }
.smart-otp-status.active { display: flex; }
.otp-spinner { width: 16px; height: 16px; border: 2px solid var(--border); border-top-color: var(--cyan); border-radius: 50%; animation: spin .8s linear infinite; }