:root{--bg:#f6f8fb;--panel:#fff;--text:#0b1220;--muted:#667085;--line:#e6eaf0;--primary:#10b981;--primary-dark:#059669;--accent:#2563eb;--danger:#ef4444;--warn:#f59e0b;--shadow:0 18px 45px rgba(15,23,42,.08);--radius:22px}html[data-theme=dark]{--bg:#07111f;--panel:#0f1b2d;--text:#eef5ff;--muted:#9aa8bd;--line:#1d2b42;--shadow:0 18px 45px rgba(0,0,0,.28)}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--text);line-height:1.5}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}input,select,textarea{width:100%;border:1px solid var(--line);background:var(--panel);color:var(--text);padding:13px 14px;border-radius:14px;outline:none}input:focus,select:focus,textarea:focus{border-color:var(--primary);box-shadow:0 0 0 4px rgba(16,185,129,.12)}label{display:grid;gap:7px;color:var(--muted);font-weight:650}.topbar{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;padding:16px clamp(18px,5vw,70px);background:rgba(255,255,255,.82);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}html[data-theme=dark] .topbar{background:rgba(7,17,31,.78)}.brand{display:flex;align-items:center;gap:10px}.logo{display:grid;place-items:center;width:38px;height:38px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--accent));color:#fff;font-weight:900}.topbar nav{display:flex;align-items:center;gap:18px}.nav-toggle{display:none}.pill,.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid var(--line);border-radius:999px;padding:11px 18px;background:var(--panel);color:var(--text);cursor:pointer;font-weight:750;transition:.2s}.btn:hover,.pill:hover{transform:translateY(-1px);box-shadow:var(--shadow)}.btn.primary{border-color:var(--primary);background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff}.btn.ghost{background:transparent}.btn.full{width:100%}.btn.tiny{padding:7px 10px;font-size:12px}.btn.danger,.danger{border-color:var(--danger);color:#fff;background:var(--danger)}main{min-height:70vh}.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;padding:70px clamp(18px,6vw,86px)}.eyebrow{display:inline-block;color:var(--primary);font-weight:900;text-transform:uppercase;letter-spacing:.08em;font-size:12px}.hero h1,.page-head h1,.dash-head h1{font-size:clamp(34px,5vw,64px);line-height:1.02;margin:14px 0}.hero p,.page-head p{font-size:18px;color:var(--muted);max-width:680px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.glass,.phone-card{border:1px solid var(--line);background:linear-gradient(145deg,rgba(255,255,255,.8),rgba(255,255,255,.45));box-shadow:var(--shadow);border-radius:36px;padding:26px}.phone-card{min-height:430px;background:radial-gradient(circle at 80% 10%,rgba(37,99,235,.22),transparent 35%),var(--panel)}.balance-card,.bank-card{border-radius:28px;padding:24px;background:linear-gradient(135deg,#111827,#0b4b3c);color:#fff}.balance-card strong,.wallet-chip strong{display:block;font-size:34px;margin:8px 0}.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin-top:18px}.mini-card,.feature,.service-card,.panel,.table-card,.doc-card,.auth-card,.stat-card,.form-card{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.mini-card{padding:22px;font-weight:850}.section,.page-head,.dash-head{padding:42px clamp(18px,6vw,86px)}.features,.cards-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.feature,.service-card,.stat-card{padding:24px}.feature p,.service-card p,.panel p{color:var(--muted)}.split{display:flex;align-items:center;justify-content:space-between;gap:22px}.dash-head{display:flex;align-items:center;justify-content:space-between;gap:22px}.wallet-chip{padding:22px 28px;border-radius:24px;background:var(--panel);border:1px solid var(--line);box-shadow:var(--shadow);min-width:240px}.service-card.gradient{background:linear-gradient(135deg,var(--primary),var(--accent));color:#fff}.service-card.gradient p{color:#eafffb}.dashboard-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding:0 clamp(18px,6vw,86px) 36px}.panel,.table-card,.form-card{padding:24px}.stack{display:grid;gap:16px}.two-col-form{grid-template-columns:1fr 1fr}.span-2{grid-column:span 2}.row{display:flex;align-items:center;gap:10px}.row input{width:auto}.auth-bg{min-height:100vh;background:radial-gradient(circle at 20% 10%,rgba(16,185,129,.2),transparent 30%),var(--bg)}.auth-brand{padding:24px;display:inline-flex}.auth-wrap{display:grid;place-items:center;padding:20px}.auth-card{width:min(460px,100%);padding:30px}.auth-card.wide{width:min(760px,100%)}.auth-links{display:flex;justify-content:space-between;margin-top:18px;color:var(--primary);font-weight:750}.alert{margin:14px clamp(18px,6vw,86px);padding:13px 16px;border-radius:15px}.alert.success{background:rgba(16,185,129,.12);color:var(--primary)}.alert.error{background:rgba(239,68,68,.12);color:var(--danger)}.badge,.status{display:inline-flex;border-radius:999px;padding:4px 10px;font-size:12px;font-weight:850;text-transform:capitalize}.badge.ok,.status.success{background:rgba(16,185,129,.13);color:var(--primary)}.badge.warn,.status.processing,.status.pending{background:rgba(245,158,11,.15);color:var(--warn)}.badge.danger,.status.failed,.status.rejected{background:rgba(239,68,68,.15);color:var(--danger)}.badge.muted{background:rgba(102,112,133,.15);color:var(--muted)}.table-card{margin:0 clamp(18px,6vw,86px) 36px;overflow:auto}table{width:100%;border-collapse:collapse}th,td{padding:13px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{font-size:12px;text-transform:uppercase;color:var(--muted);letter-spacing:.05em}td small{display:block;color:var(--muted)}code,pre{background:rgba(102,112,133,.12);border:1px solid var(--line);padding:2px 7px;border-radius:8px;overflow:auto}pre{padding:14px;white-space:pre-wrap}.mini-list>div{display:grid;grid-template-columns:1fr auto auto;gap:12px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line)}.mini-list small{display:block;color:var(--muted)}.modal{display:none;position:fixed;inset:0;background:rgba(0,0,0,.55);z-index:50;place-items:center;padding:18px}.modal.open{display:grid}.modal-box{width:min(520px,100%);background:var(--panel);border-radius:24px;padding:24px;box-shadow:var(--shadow);position:relative}.modal-close{position:absolute;right:16px;top:12px;border:0;background:transparent;color:var(--text);font-size:28px;cursor:pointer}.footer{display:flex;justify-content:space-between;gap:20px;align-items:center;padding:36px clamp(18px,6vw,86px);border-top:1px solid var(--line);color:var(--muted)}#toast{position:fixed;right:18px;bottom:18px;display:grid;gap:10px;z-index:99}.toast{padding:14px 16px;border-radius:14px;background:#111827;color:#fff;box-shadow:var(--shadow);animation:slide .25s ease}.toast.error{background:var(--danger)}@keyframes slide{from{transform:translateY(10px);opacity:0}}.docs-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;padding:0 clamp(18px,6vw,86px) 40px}.doc-card{padding:22px}.admin-shell{display:grid;grid-template-columns:270px 1fr}.sidebar{position:sticky;top:0;height:100vh;background:var(--panel);border-right:1px solid var(--line);padding:22px}.sidebar nav{display:grid;gap:8px;margin-top:26px}.sidebar a{padding:11px 12px;border-radius:12px;color:var(--muted)}.sidebar a:hover,.sidebar a.active{background:rgba(16,185,129,.12);color:var(--primary)}.admin-main{min-width:0}.admin-header{display:flex;justify-content:space-between;align-items:center;padding:22px 28px;border-bottom:1px solid var(--line);background:var(--panel)}.admin-cards{padding:28px}.stat-card strong{font-size:34px;display:block}.quick-actions{display:flex;gap:10px;flex-wrap:wrap}.inline-form{display:inline-flex;gap:6px;align-items:center;margin:2px}.inline-form input,.inline-form select{width:auto;min-width:90px;padding:7px 9px}.va-card .bank-card strong{font-size:28px;letter-spacing:.08em}.print-head{display:flex;justify-content:space-between;align-items:center;padding:25px}.card-print-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding:24px}.print-card{border:1px dashed #111;padding:22px;border-radius:18px;background:#fff;color:#111;text-align:center}.print-card strong{font-size:22px;letter-spacing:.08em}.empty-state{text-align:center;padding:90px 20px}.empty-state h1{font-size:90px;margin:0}@media(max-width:960px){.hero,.dashboard-grid{grid-template-columns:1fr}.features,.cards-grid{grid-template-columns:repeat(2,1fr)}.admin-shell{grid-template-columns:1fr}.sidebar{position:relative;height:auto}.sidebar nav{grid-template-columns:repeat(2,1fr)}.docs-grid{grid-template-columns:1fr}.card-print-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:680px){.topbar{align-items:flex-start}.nav-toggle{display:block}.topbar nav{display:none;position:absolute;left:18px;right:18px;top:72px;background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.topbar nav.open{display:flex}.hero{padding-top:36px}.features,.cards-grid,.grid-2,.two-col-form{grid-template-columns:1fr}.span-2{grid-column:auto}.dash-head,.split,.footer{flex-direction:column;align-items:flex-start}.wallet-chip{width:100%}.table-card{padding:10px}.sidebar nav{grid-template-columns:1fr}.card-print-grid{grid-template-columns:1fr}}@media print{body{background:#fff}.sidebar,.admin-header,.btn,.topbar,.footer{display:none!important}.admin-shell{display:block}.card-print-grid{grid-template-columns:repeat(3,1fr);padding:0}.print-card{break-inside:avoid;box-shadow:none}.print-head{padding:0 0 10px}}

.inline{display:inline}.center{text-align:center}.mt-16{margin-top:16px}.mb-12{margin-bottom:12px}.pt-0{padding-top:0}.receipt-panel{margin:0 auto 40px;max-width:720px}
/* Fintech/OPay-inspired compact service forms */
.hidden{display:none!important}.page-headless{padding:0}.opay-page{background:var(--bg);min-height:100vh;padding:14px 0 28px}.opay-shell{max-width:420px;margin:0 auto;padding:0 12px}.opay-balance-card{background:linear-gradient(135deg,var(--primary),var(--primary-dark));border-radius:22px;padding:18px 20px;position:relative;overflow:hidden;color:#fff;box-shadow:0 16px 36px rgba(16,185,129,.22);animation:opSlideDown .25s ease both}.opay-balance-blob{position:absolute;width:140px;height:140px;border-radius:50%;background:rgba(255,255,255,.12);right:-45px;top:-45px}.opay-balance-blob:after{content:"";position:absolute;width:70px;height:70px;border-radius:50%;background:rgba(255,255,255,.10);left:-18px;bottom:-20px}.opay-balance-label{font-size:11px;text-transform:uppercase;letter-spacing:.08em;opacity:.82;font-weight:800}.opay-balance-amount{font-size:32px;font-weight:950;letter-spacing:-1px;line-height:1.1;margin:6px 0}.opay-balance-tag{display:inline-flex;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.18);padding:4px 10px;border-radius:999px;font-size:12px;font-weight:800}.opay-notice{display:flex;align-items:center;gap:8px;background:rgba(16,185,129,.11);border-left:3px solid var(--primary);color:var(--primary-dark);margin:10px 0;padding:10px 12px;border-radius:12px;font-size:13px}.opay-notice-icon{display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:rgba(16,185,129,.15);font-weight:900;flex:0 0 20px}.opay-form-card{background:var(--panel);border:1px solid var(--line);border-radius:22px;padding:4px 18px 10px;box-shadow:var(--shadow)}.opay-field{padding:14px 0 6px;border-bottom:1px solid var(--line);animation:opSlideUp .25s ease both}.opay-field:last-child{border-bottom:0}.opay-label{display:flex;align-items:center;gap:6px;font-size:11px;font-weight:900;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:6px}.opay-toggle-link{margin-left:auto;border:0;background:transparent;color:var(--primary);font-size:11px;font-weight:900;cursor:pointer}.opay-input,.opay-select{width:100%;border:0!important;box-shadow:none!important;background:transparent!important;color:var(--text);padding:6px 0 10px;border-radius:0;font-size:15px;font-weight:700}.opay-input::placeholder{color:#aab3c2}.opay-select-wrap{position:relative;display:flex;align-items:center}.opay-select{appearance:auto;cursor:pointer}.opay-verifier-green{min-height:18px;margin:0;color:var(--primary);font-size:12px;font-weight:800}.opay-amount-display{display:flex;align-items:baseline;gap:4px;padding-bottom:8px}.opay-naira-sign{font-size:19px;font-weight:950;color:var(--primary)}.opay-amount-input{border:0;background:transparent;color:var(--text);font-size:28px;font-weight:950;letter-spacing:-.8px;width:100%;padding:0}.opay-checkbox-row{padding:12px 0}.opay-checkbox-label{display:flex;align-items:center;gap:9px;cursor:pointer;color:var(--muted);font-weight:750;font-size:13px}.opay-checkbox-input{width:auto}.opay-checkbox-custom{display:none}.opay-submit-btn{display:flex;align-items:center;justify-content:space-between;width:100%;margin:14px auto 0;background:linear-gradient(135deg,var(--primary),var(--primary-dark));color:#fff;border:0;border-radius:18px;padding:15px 18px;font-weight:950;font-size:15px;box-shadow:0 16px 34px rgba(16,185,129,.24);cursor:pointer}.opay-submit-btn:hover{transform:translateY(-1px)}.opay-btn-arrow{font-size:20px;opacity:.9}@keyframes opSlideDown{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:translateY(0)}}@keyframes opSlideUp{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}
/* Global fintech polish */
.fintech-body{background:linear-gradient(180deg,rgba(16,185,129,.06),transparent 260px),var(--bg)}.fintech-main{padding-bottom:70px}.fintech-topbar{box-shadow:0 10px 30px rgba(15,23,42,.04)}.brand-sub{display:block;font-size:10px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.08em}.fintech-footer{background:var(--panel)}.mobile-tabbar{position:fixed;left:12px;right:12px;bottom:12px;z-index:80;display:none;grid-template-columns:repeat(5,1fr);gap:4px;background:rgba(255,255,255,.88);border:1px solid var(--line);box-shadow:0 18px 45px rgba(15,23,42,.18);backdrop-filter:blur(16px);border-radius:22px;padding:8px}html[data-theme=dark] .mobile-tabbar{background:rgba(15,27,45,.9)}.mobile-tabbar a{display:grid;place-items:center;gap:2px;padding:8px 4px;border-radius:16px;color:var(--muted);font-weight:900;font-size:16px}.mobile-tabbar a span{font-size:10px}.mobile-tabbar a:hover,.mobile-tabbar a.active{background:rgba(16,185,129,.12);color:var(--primary)}.fintech-metric{background:linear-gradient(135deg,var(--panel),rgba(16,185,129,.06));border:1px solid var(--line);border-radius:24px;padding:22px;box-shadow:var(--shadow)}.fintech-metric small{color:var(--muted);font-weight:800;text-transform:uppercase;font-size:11px}.fintech-metric strong{display:block;font-size:30px;margin-top:6px}.service-card,.panel,.table-card,.form-card{transition:transform .18s ease,box-shadow .18s ease}.service-card:hover,.panel:hover{transform:translateY(-2px)}.btn.primary,.opay-submit-btn{background:linear-gradient(135deg,#06c270,#05a660)!important}.status.success,.badge.ok{background:rgba(6,194,112,.13);color:#05a660}@media(max-width:760px){.mobile-tabbar{display:grid}.footer{padding-bottom:92px}.topbar nav.open{max-height:75vh;overflow:auto}.cards-grid{padding-left:14px;padding-right:14px}}
/* In-app notifications */
.notification-bell{position:relative;display:inline-grid!important;place-items:center;width:42px;height:42px;border-radius:16px;background:rgba(16,185,129,.10);border:1px solid var(--line);font-size:18px}.notification-count{position:absolute;right:-4px;top:-6px;min-width:19px;height:19px;padding:0 5px;border-radius:999px;background:#ef4444;color:#fff;font-size:11px;font-weight:950;display:grid;place-items:center;border:2px solid var(--panel)}.notification-count.hidden{display:none}.notification-list{display:grid;gap:12px}.notification-item{display:grid;grid-template-columns:1fr auto;gap:12px;align-items:start;padding:16px;border:1px solid var(--line);border-radius:18px;background:var(--panel);box-shadow:var(--shadow)}.notification-item.unread{border-color:rgba(16,185,129,.35);background:linear-gradient(135deg,var(--panel),rgba(16,185,129,.06))}.notification-item h3{margin:0 0 4px;font-size:16px}.notification-item p{margin:0;color:var(--muted)}.notification-item small{display:block;color:var(--muted);margin-top:6px}.notification-type{display:inline-flex;border-radius:999px;padding:4px 9px;font-size:11px;font-weight:900;background:rgba(37,99,235,.12);color:var(--accent);text-transform:capitalize}
.opay-verifier-red{min-height:18px;margin:0;color:#ef4444;font-size:12px;font-weight:900}.opay-verifier-green{color:#05a660!important}
.pagination{display:flex;gap:8px;align-items:center;justify-content:flex-end;padding:16px 0;flex-wrap:wrap}.pagination a{display:grid;place-items:center;min-width:36px;height:36px;border:1px solid var(--line);border-radius:12px;background:var(--panel);font-weight:900;color:var(--muted)}.pagination a.active,.pagination a:hover{background:rgba(16,185,129,.12);color:var(--primary);border-color:rgba(16,185,129,.35)}
/* Fintech dashboard */
.fintech-hero{padding:28px clamp(18px,6vw,86px);display:grid;grid-template-columns:1.15fr .85fr;gap:22px;align-items:stretch}.fintech-wallet-card{position:relative;overflow:hidden;border-radius:32px;padding:28px;background:linear-gradient(135deg,#05a660,#00c48c);color:#fff;box-shadow:0 24px 60px rgba(5,166,96,.25)}.fintech-wallet-card:after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:rgba(255,255,255,.13);right:-70px;top:-70px}.fintech-wallet-card small{opacity:.85;text-transform:uppercase;font-weight:900;letter-spacing:.08em}.fintech-wallet-card strong{display:block;font-size:clamp(36px,6vw,58px);letter-spacing:-1.5px;line-height:1.05;margin:10px 0}.fintech-quick{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.fintech-action{border:1px solid var(--line);border-radius:24px;background:var(--panel);padding:20px;box-shadow:var(--shadow)}.fintech-action b{display:block;font-size:17px}.fintech-action span{display:grid;place-items:center;width:42px;height:42px;border-radius:16px;background:rgba(16,185,129,.12);color:var(--primary);font-size:22px;margin-bottom:12px}.fintech-service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:0 clamp(18px,6vw,86px) 28px}.fintech-service{background:var(--panel);border:1px solid var(--line);border-radius:24px;padding:20px;box-shadow:var(--shadow)}.fintech-service .icon{display:grid;place-items:center;width:46px;height:46px;border-radius:18px;background:linear-gradient(135deg,rgba(16,185,129,.16),rgba(37,99,235,.12));font-size:23px;margin-bottom:10px}@media(max-width:900px){.fintech-hero{grid-template-columns:1fr}.fintech-service-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.fintech-quick,.fintech-service-grid{grid-template-columns:1fr}.fintech-wallet-card{border-radius:24px}}
.compact-table{margin:0 0 14px;padding:0;box-shadow:none;border:0}.compact-table table td,.compact-table table th{padding:10px 8px}.compact-table small{display:block;color:var(--muted);font-size:11px}