/* =============================================================
   SaveMoni — custom.css
   Mobile app-shell foundation + reusable components.
   Loaded AFTER style.css. All colors reference existing brand
   tokens (--primary-*, --dark-*, --white, --text, --border)
   so light/dark mode stays consistent.
   ============================================================= */

/* -------------------------------------------------------------
   1. Design Tokens & App-Shell Foundation
   ------------------------------------------------------------- */

:root {
  /* Safe-area insets (requires viewport-fit=cover in meta tag) */
  --sat: env(safe-area-inset-top, 0px);
  --sab: env(safe-area-inset-bottom, 0px);
  --sal: env(safe-area-inset-left, 0px);
  --sar: env(safe-area-inset-right, 0px);

  /* App chrome heights */
  --topbar-h: 56px;
  --tabbar-h: 60px;

  /* Z-index scale */
  --z-sticky: 100;
  --z-overlay: 200;
  --z-modal: 300;
  --z-toast: 400;

  /* Semantic aliases — reference existing style.css brand tokens */
  --app-accent: var(--primary-500);
  --app-accent-hover: var(--primary-700);
  --app-accent-soft: var(--primary-100);
  --app-bg: var(--white);
  --app-surface: var(--white);
  --app-border: var(--border);
  --app-text: var(--text);
  --app-text-muted: var(--secondary-500);
  --app-radius: 14px;
  --app-radius-sm: 10px;
  --app-radius-lg: 20px;
  --app-transition: 180ms cubic-bezier(0.4, 0, 0.2, 1);

  /* Shadows — tinted, never flat black */
  --app-shadow-sm: 0 1px 3px rgba(6, 18, 56, 0.08);
  --app-shadow-md: 0 4px 12px rgba(6, 18, 56, 0.10);
  --app-shadow-lg: 0 8px 24px rgba(6, 18, 56, 0.12);
}

/* Dark mode semantic overrides */
[data-theme="dark"] {
  --app-bg: var(--dark-primary);
  --app-surface: var(--dark-secondary);
  --app-border: rgba(255, 255, 255, 0.12);
  --app-text: var(--white);
  --app-text-muted: rgba(255, 255, 255, 0.6);
  --app-accent-soft: rgba(13, 90, 253, 0.15);
  --app-shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.3);
  --app-shadow-md: 0 4px 12px rgba(0, 0, 0, 0.35);
  --app-shadow-lg: 0 8px 24px rgba(0, 0, 0, 0.4);
}

/* -------------------------------------------------------------
   2. Base Mobile Behavior
   ------------------------------------------------------------- */

html,
body {
  height: 100%;
  overscroll-behavior-y: contain;
}

body {
  min-height: 100dvh;
  -webkit-tap-highlight-color: transparent;
}

/* App content scroll region */
.app-content {
  padding-top: calc(var(--topbar-h) + var(--sat));
  padding-bottom: calc(var(--tabbar-h) + var(--sab));
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.app-content--column {
  display: flex;
  flex-direction: column;
  min-height: 100dvh;
}

/* Pages without a topbar still need top safe-area padding */
.app-screen {
  min-height: 100dvh;
  display: flex;
  flex-direction: column;
  background-color: var(--app-bg);
}

.app-screen--no-topbar {
  padding-top: 0;
}

/* -------------------------------------------------------------
   3. Top App Bar (fixed, safe-area aware)
   ------------------------------------------------------------- */

.app-topbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: var(--z-sticky);
  height: calc(var(--topbar-h) + var(--sat));
  padding-top: var(--sat);
  padding-inline: var(--sal) var(--sar);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-inline-start: 0.5rem;
  padding-inline-end: 0.5rem;
  background: var(--app-surface);
  border-bottom: 1px solid var(--app-border);
}

.app-topbar__back,
.app-topbar__action {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  background: none;
  border: none;
  color: var(--app-text);
  font-size: 1.4rem;
  touch-action: manipulation;
  cursor: pointer;
  border-radius: 50%;
  transition: transform 100ms ease, background-color var(--app-transition);
  text-decoration: none;
  flex-shrink: 0;
}

.app-topbar__back:hover,
.app-topbar__action:hover {
  background-color: var(--app-accent-soft);
}

.app-topbar__back:active,
.app-topbar__action:active {
  transform: scale(0.90);
}

.app-topbar__title {
  font-size: 1.05rem;
  font-weight: 600;
  margin: 0;
  color: var(--app-text);
  letter-spacing: -0.02em;
  flex-grow: 1;
  text-align: center;
}

.app-topbar__spacer {
  width: 44px;
  flex-shrink: 0;
}

/* -------------------------------------------------------------
   4. Auth / Onboarding Screen Layout
   ------------------------------------------------------------- */

.auth-screen {
  min-height: 100dvh;
  display: flex;
  flex-direction: column;
  background-color: var(--app-bg);
}

/* Welcome / onboarding hero */
.welcome-hero {
  flex-grow: 1;
  display: flex;
  flex-direction: column;
  background: linear-gradient(160deg, var(--primary-500) 0%, var(--primary-700) 100%);
  color: #ffffff;
  padding: calc(var(--sat) + 2rem) 1.5rem calc(var(--sab) + 1.5rem);
  position: relative;
  overflow: hidden;
}

[data-theme="dark"] .welcome-hero {
  background: linear-gradient(160deg, var(--dark-secondary) 0%, var(--dark-primary) 100%);
}

/* Decorative pattern overlay */
.welcome-hero::before {
  content: "";
  position: absolute;
  top: -40px;
  right: -40px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  pointer-events: none;
}

.welcome-hero::after {
  content: "";
  position: absolute;
  bottom: 60px;
  left: -60px;
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
  pointer-events: none;
}

.welcome-hero__skip {
  position: absolute;
  top: calc(var(--sat) + 1rem);
  right: 1.5rem;
  z-index: 2;
  color: #ffffff;
  font-size: 0.9rem;
  font-weight: 500;
  text-decoration: none;
  padding: 0.4rem 0.8rem;
  border-radius: var(--app-radius-sm);
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(4px);
  touch-action: manipulation;
  transition: transform 100ms ease, background-color var(--app-transition);
}

.welcome-hero__skip:hover {
  background: rgba(255, 255, 255, 0.25);
  color: #ffffff;
}

.welcome-hero__skip:active {
  transform: scale(0.94);
}

.welcome-hero__content {
  flex-grow: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  position: relative;
  z-index: 1;
}

.welcome-hero__image {
  max-height: 280px;
  width: auto;
  margin-bottom: 2rem;
  filter: drop-shadow(0 8px 24px rgba(0, 0, 0, 0.15));
  animation: floatUp 600ms ease-out both;
}

.welcome-hero__title {
  font-size: clamp(1.75rem, 6vw, 2.5rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 0.75rem;
  color: #ffffff;
}

.welcome-hero__subtitle {
  font-size: 1rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  max-width: 28ch;
  margin: 0 auto 2rem;
}

.welcome-hero__cta {
  width: 100%;
  max-width: 320px;
}

/* Auth form pages */
.auth-body {
  flex-grow: 1;
  display: flex;
  flex-direction: column;
  padding: calc(var(--sat) + var(--topbar-h) + 1.5rem) 1.5rem calc(var(--sab) + 1.5rem);
}

.auth-body__header {
  margin-bottom: 1.75rem;
}

.auth-body__title {
  font-size: 1.5rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.2;
  color: var(--app-text);
  margin-bottom: 0.5rem;
}

.auth-body__subtitle {
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--app-text-muted);
  margin: 0;
}

/* -------------------------------------------------------------
   5. Form Components
   ------------------------------------------------------------- */

.app-form-group {
  margin-bottom: 1.25rem;
}

.app-form-group.bank {
  position: relative;
}

.app-search-dropdown {
  display: none;
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--app-surface);
  border-radius: var(--app-radius) var(--app-radius) 0 0;
  box-shadow: var(--app-shadow-lg);
  border: 1px solid var(--app-border);
  border-bottom: none;
  z-index: 9999;
  overflow: hidden;
  flex-direction: column;
  opacity: 0;
  transform: translateY(10px);
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.app-search-dropdown.show {
  display: flex;
  opacity: 1;
  transform: translateY(0);
}

.app-search-dropdown-search {
  padding: 12px;
  border-bottom: 1px solid var(--app-border);
}

.app-search-dropdown-list {
  overflow-y: auto;
  flex: 1;
  -webkit-overflow-scrolling: touch;
}

.app-search-dropdown-empty {
  display: none;
  padding: 24px 16px;
  text-align: center;
  color: var(--app-text-muted);
  font-size: 0.85rem;
}

.bank-option {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  cursor: pointer;
  transition: background 0.15s ease;
  font-size: 0.85rem;
  color: var(--app-text);
  font-weight: 500;
}

.bank-option:hover {
  background: var(--app-accent-soft);
}

.app-bank-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--app-accent-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.app-bank-icon i {
  font-size: 16px;
  color: var(--app-accent);
}

.app-form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--app-text);
  margin-bottom: 0.5rem;
}

.app-input {
  width: 100%;
  min-height: 48px;
  padding: 0.75rem 1rem;
  font-size: 1rem;
  color: var(--app-text);
  background-color: var(--app-surface);
  border: 1.5px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  transition: border-color var(--app-transition), box-shadow var(--app-transition);
  outline: none;
}

.app-input::placeholder {
  color: var(--app-text-muted);
}

.app-input:focus {
  border-color: var(--app-accent);
  box-shadow: 0 0 0 3px var(--app-accent-soft);
}

.app-input.is-invalid {
  border-color: var(--danger-500);
}

[data-theme="dark"] .app-input {
  background-color: var(--dark-secondary);
}

[data-theme="dark"] .app-input:focus {
  box-shadow: 0 0 0 3px rgba(13, 90, 253, 0.25);
}

.app-form-text {
  font-size: 0.8rem;
  color: var(--app-text-muted);
  margin-top: 0.4rem;
}

.app-invalid-feedback {
  font-size: 0.8rem;
  color: var(--danger-500);
  margin-top: 0.4rem;
  display: block;
}

/* Password field with visibility toggle */
.app-password-wrapper {
  position: relative;
}

.app-password-wrapper .app-input {
  padding-right: 3rem;
}

.app-password-toggle {
  position: absolute;
  top: 50%;
  right: 0.75rem;
  transform: translateY(-50%);
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  background: none;
  border: none;
  color: var(--app-text-muted);
  font-size: 1.2rem;
  cursor: pointer;
  touch-action: manipulation;
  border-radius: 50%;
  transition: color var(--app-transition), transform 100ms ease;
}

.app-password-toggle:hover {
  color: var(--app-text);
}

.app-password-toggle:active {
  transform: translateY(-50%) scale(0.90);
}

.app-password-toggle .icon-hide {
  display: none;
}

.app-password-toggle.visible .icon-show {
  display: none;
}

.app-password-toggle.visible .icon-hide {
  display: block;
}

/* -------------------------------------------------------------
   6. Buttons
   ------------------------------------------------------------- */

.app-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 50px;
  padding: 0.75rem 1.5rem;
  font-size: 1rem;
  font-weight: 600;
  border: none;
  border-radius: var(--app-radius-sm);
  cursor: pointer;
  touch-action: manipulation;
  text-decoration: none;
  transition: transform 100ms ease, opacity var(--app-transition), background-color var(--app-transition);
  letter-spacing: -0.01em;
}

.app-btn:active {
  transform: scale(0.98);
}

.app-btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.app-btn-primary {
  background-color: var(--app-accent);
  color: #ffffff;
}

.app-btn-primary:hover {
  background-color: var(--app-accent-hover);
  color: #ffffff;
}

.app-btn-ghost {
  background-color: transparent;
  color: var(--app-accent);
}

.app-btn-ghost:hover {
  background-color: var(--app-accent-soft);
  color: var(--app-accent);
}

.app-btn-light {
  background-color: rgba(255, 255, 255, 0.2);
  color: #ffffff;
  backdrop-filter: blur(4px);
}

.app-btn-light:hover {
  background-color: rgba(255, 255, 255, 0.3);
  color: #ffffff;
}

.app-btn-block {
  width: 100%;
}

.app-btn-lg {
  min-height: 54px;
  font-size: 1.05rem;
}

/* Auth footer link area */
.auth-footer {
  text-align: center;
  margin-top: auto;
  padding-top: 1.5rem;
}

.auth-footer__text {
  font-size: 0.9rem;
  color: var(--app-text-muted);
  margin: 0;
}

.auth-footer__link {
  color: var(--app-accent);
  font-weight: 600;
  text-decoration: none;
  touch-action: manipulation;
}

.auth-footer__link:hover {
  text-decoration: underline;
}

/* -------------------------------------------------------------
   7. OTP Input Component
   ------------------------------------------------------------- */

.otp-group {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}

.otp-cell {
  width: 48px;
  height: 56px;
  text-align: center;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--app-text);
  background-color: var(--app-surface);
  border: 2px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  outline: none;
  transition: border-color var(--app-transition), box-shadow var(--app-transition);
}

.otp-cell:focus {
  border-color: var(--app-accent);
  box-shadow: 0 0 0 3px var(--app-accent-soft);
}

[data-theme="dark"] .otp-cell {
  background-color: var(--dark-secondary);
}

@media (max-width: 380px) {
  .otp-cell {
    width: 40px;
    height: 48px;
    font-size: 1.1rem;
  }
  .otp-group {
    gap: 0.35rem;
  }
}

/* -------------------------------------------------------------
   8. Checkbox Component
   ------------------------------------------------------------- */

.app-check {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  cursor: pointer;
  user-select: none;
  touch-action: manipulation;
}

.app-check input[type="checkbox"] {
  width: 20px;
  height: 20px;
  margin-top: 1px;
  accent-color: var(--app-accent);
  cursor: pointer;
  flex-shrink: 0;
}

.app-check label {
  font-size: 0.875rem;
  color: var(--app-text-muted);
  line-height: 1.4;
  cursor: pointer;
}

.app-check label a {
  color: var(--app-accent);
  font-weight: 600;
  text-decoration: none;
}

.app-check label a:hover {
  text-decoration: underline;
}

/* -------------------------------------------------------------
   9. Password Strength Meter
   ------------------------------------------------------------- */

.app-strength {
  margin-top: 0.5rem;
  margin-bottom: 1rem;
}

.app-strength__bar {
  height: 4px;
  border-radius: 2px;
  background-color: var(--app-border);
  overflow: hidden;
}

.app-strength__fill {
  height: 100%;
  width: 0%;
  border-radius: 2px;
  transition: width 300ms ease, background-color 300ms ease;
}

.app-strength__label {
  font-size: 0.75rem;
  color: var(--app-text-muted);
  margin-top: 0.3rem;
}

/* -------------------------------------------------------------
   10. Skeleton Shimmer (unused — kept for future page-skeleton use)
   ------------------------------------------------------------- */

.app-skeleton-screen {
  display: none;
  position: fixed;
  inset: 0;
  z-index: var(--z-overlay);
  background-color: var(--app-bg);
  padding: calc(var(--sat) + var(--topbar-h) + 1.5rem) 1.5rem 1.5rem;
  overflow: hidden;
}

.app-skeleton__line {
  height: 16px;
  border-radius: 8px;
  background: linear-gradient(
    90deg,
    var(--app-border) 0%,
    var(--app-accent-soft) 50%,
    var(--app-border) 100%
  );
  background-size: 200% 100%;
  animation: shimmer 1.3s infinite linear;
  margin-bottom: 1rem;
}

.app-skeleton__line--title {
  height: 24px;
  width: 60%;
  margin-bottom: 0.5rem;
}

.app-skeleton__line--input {
  height: 48px;
  width: 100%;
  border-radius: var(--app-radius-sm);
  margin-bottom: 1.25rem;
}

.app-skeleton__line--button {
  height: 50px;
  width: 100%;
  border-radius: var(--app-radius-sm);
}

@keyframes shimmer {
  0% { background-position: 200% 0; }
  100% { background-position: -200% 0; }
}

/* -------------------------------------------------------------
   11. View Transitions (native app-like crossfade)
   ------------------------------------------------------------- */

@media (prefers-reduced-motion: no-preference) {
  ::view-transition-old(root) {
    animation: 150ms ease-out both fade-out;
  }
  ::view-transition-new(root) {
    animation: 200ms ease-out both fade-in;
  }
  @keyframes fade-out {
    from { opacity: 1; }
    to { opacity: 0; }
  }
  @keyframes fade-in {
    from { opacity: 0; }
    to { opacity: 1; }
  }
}

/* -------------------------------------------------------------
   12. Entry Animations
   ------------------------------------------------------------- */

@keyframes floatUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.auth-body,
.welcome-hero__content {
  animation: floatUp 400ms ease-out both;
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* -------------------------------------------------------------
   13. Utility
   ------------------------------------------------------------- */

.app-text-center { text-align: center; }
.app-text-muted { color: var(--app-text-muted); }
.app-mt-auto { margin-top: auto; }
.app-mb-0 { margin-bottom: 0; }
.app-mb-1 { margin-bottom: 0.5rem; }
.app-mb-2 { margin-bottom: 1rem; }
.app-mb-3 { margin-bottom: 1.5rem; }

/* -------------------------------------------------------------
   14. Theme Toggle (floating, dark mode switch)
   ------------------------------------------------------------- */

.theme-toggle {
  position: fixed;
  bottom: calc(var(--sab) + 1rem);
  right: 1rem;
  z-index: var(--z-sticky);
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  background-color: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: 50%;
  color: var(--app-text);
  font-size: 1.2rem;
  cursor: pointer;
  touch-action: manipulation;
  box-shadow: var(--app-shadow-md);
  transition: transform 100ms ease, background-color var(--app-transition);
}

.theme-toggle:hover {
  background-color: var(--app-accent-soft);
}

.theme-toggle:active {
  transform: scale(0.90);
}

.theme-toggle .icon-moon { display: none; }
.theme-toggle .icon-sun { display: block; }

[data-theme="dark"] .theme-toggle .icon-moon { display: block; }
[data-theme="dark"] .theme-toggle .icon-sun { display: none; }

/* Welcome hero theme toggle — light variant */
.welcome-hero .theme-toggle {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.3);
  color: #ffffff;
  backdrop-filter: blur(4px);
}

.welcome-hero .theme-toggle:hover {
  background: rgba(255, 255, 255, 0.3);
}

/* =============================================================
   15. Bottom Tab Bar (app-shell, authenticated pages)
   ============================================================= */

.app-tabbar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: var(--z-sticky);
  height: calc(var(--tabbar-h) + var(--sab));
  padding-bottom: var(--sab);
  display: flex;
  background: var(--app-surface);
  border-top: 1px solid var(--app-border);
  box-shadow: 0 -1px 8px rgba(6, 18, 56, 0.06);
}

[data-theme="dark"] .app-tabbar {
  box-shadow: 0 -1px 8px rgba(0, 0, 0, 0.2);
}

.app-tabbar__item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 2px;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--app-text-muted);
  text-decoration: none;
  touch-action: manipulation;
  transition: transform 100ms ease, color 150ms ease;
  padding: 6px 0;
}

.app-tabbar__item i {
  font-size: 1.4rem;
  transition: color 150ms ease;
}

.app-tabbar__item span {
  line-height: 1.15;
}

.app-tabbar__item.active {
  color: var(--app-accent);
}

.app-tabbar__item:active {
  transform: scale(0.90);
}

/* -------------------------------------------------------------
   16. Dashboard — Wallet Balance Card (premium gradient)
   ------------------------------------------------------------- */

.app-wallet-card {
  position: relative;
  margin: 1rem 1rem 1.25rem;
  padding: 1.75rem 1.5rem;
  border-radius: var(--app-radius-lg);
  background: linear-gradient(135deg, var(--primary-500) 0%, var(--primary-700) 100%);
  color: #ffffff;
  overflow: hidden;
  box-shadow: 0 8px 28px rgba(13, 90, 253, 0.25);
}

[data-theme="dark"] .app-wallet-card {
  background: linear-gradient(135deg, #1a3a8a 0%, #0d1b4a 100%);
  box-shadow: 0 8px 28px rgba(0, 0, 0, 0.3);
}

/* Decorative circles */
.app-wallet-card::before {
  content: "";
  position: absolute;
  top: -30px;
  right: -30px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  pointer-events: none;
}

.app-wallet-card::after {
  content: "";
  position: absolute;
  bottom: -20px;
  left: -20px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.05);
  pointer-events: none;
}

.app-wallet-card__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
  position: relative;
  z-index: 1;
}

.app-wallet-card__label {
  font-size: 0.9rem;
  opacity: 0.85;
  font-weight: 600;
  letter-spacing: 0.01em;
}

.app-wallet-card__eye {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  background: rgba(255, 255, 255, 0.15);
  border: none;
  border-radius: 50%;
  color: #ffffff;
  font-size: 1.1rem;
  cursor: pointer;
  touch-action: manipulation;
  transition: transform 100ms ease, background-color 150ms ease;
}

.app-wallet-card__eye:active {
  transform: scale(0.90);
}

.app-wallet-card__balance {
  font-size: clamp(2rem, 8vw, 2.8rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
  position: relative;
  z-index: 1;
  line-height: 1.1;
}

.app-wallet-card__balance-blur {
  filter: blur(8px);
  user-select: none;
}

.app-wallet-card__meta {
  display: none;
}

.app-wallet-card__divider {
  height: 1px;
  background: rgba(255, 255, 255, 0.12);
  margin-bottom: 0.85rem;
  position: relative;
  z-index: 1;
}

.app-wallet-card__stats {
  display: flex;
  gap: 1rem;
  position: relative;
  z-index: 1;
}

.app-wallet-card__stat {
  flex: 1;
}

.app-wallet-card__stat-label {
  font-size: 0.68rem;
  opacity: 0.65;
  display: block;
  margin-bottom: 0.1rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.app-wallet-card__stat-value {
  font-size: 0.95rem;
  font-weight: 700;
}

/* -------------------------------------------------------------
   17. Dashboard — Quick Action Grid
   ------------------------------------------------------------- */

.app-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  padding: 0 1rem;
  margin-bottom: 1.5rem;
}

.app-actions__item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  padding: 0.75rem 0.25rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  text-decoration: none;
  touch-action: manipulation;
  cursor: pointer;
  transition: transform 100ms ease, box-shadow 150ms ease, border-color 150ms ease;
}

.app-actions__item:hover {
  border-color: var(--app-accent-soft);
}

.app-actions__item:active {
  transform: scale(0.95);
}

.app-actions__icon {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.app-actions__label {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--app-text);
  text-align: center;
  line-height: 1.2;
}

/* -------------------------------------------------------------
   18. Dashboard — Section Headers
   ------------------------------------------------------------- */

.app-section {
  padding: 0 1rem;
  margin-bottom: 1.5rem;
}

.app-section__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.85rem;
}

.app-section__title {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--app-text);
  letter-spacing: -0.02em;
  margin: 0;
}

.app-section__link {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--app-accent);
  text-decoration: none;
  touch-action: manipulation;
  transition: opacity 150ms ease;
}

.app-section__link:active {
  opacity: 0.7;
}

/* -------------------------------------------------------------
   19. Dashboard — Savings Plan Card
   ------------------------------------------------------------- */

.app-plan-card {
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  padding: 1rem;
  margin-bottom: 0.75rem;
  cursor: pointer;
  touch-action: manipulation;
  text-decoration: none;
  display: block;
  transition: transform 100ms ease, box-shadow 150ms ease;
}

.app-plan-card:active {
  transform: scale(0.98);
}

[data-theme="dark"] .app-plan-card {
  background: var(--dark-secondary);
}

.app-plan-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 0.5rem;
}

.app-plan-card__name {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0;
}

.app-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.2rem 0.65rem;
  font-size: 0.65rem;
  font-weight: 600;
  border-radius: 6px;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  white-space: nowrap;
  flex-shrink: 0;
}

.app-badge--personal {
  background: rgba(13, 90, 253, 0.08);
  color: var(--app-accent);
}

.app-badge--group {
  background: rgba(245, 158, 11, 0.1);
  color: #d97706;
}

[data-theme="dark"] .app-badge--personal {
  background: rgba(13, 90, 253, 0.2);
}

[data-theme="dark"] .app-badge--group {
  background: rgba(245, 158, 11, 0.2);
}

.app-plan-card__target {
  font-size: 0.78rem;
  color: var(--app-text-muted);
  margin-bottom: 0.6rem;
}

.app-plan-card__progress {
  height: 6px;
  border-radius: 3px;
  background-color: var(--app-border);
  overflow: hidden;
  margin-bottom: 0.5rem;
}

.app-plan-card__progress-fill {
  height: 100%;
  border-radius: 3px;
  background: linear-gradient(90deg, var(--app-accent), var(--primary-400));
  transition: width 400ms ease;
}

.app-plan-card__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.app-plan-card__amount {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--app-text);
}

.app-plan-card__next {
  font-size: 0.72rem;
  color: var(--app-text-muted);
}

/* -------------------------------------------------------------
   20. Dashboard — Transaction Item
   ------------------------------------------------------------- */

.app-transaction {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--app-border);
}

.app-transaction:last-child {
  border-bottom: none;
}

.app-transaction__left {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-width: 0;
}

.app-transaction__icon {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  flex-shrink: 0;
  font-size: 1.1rem;
}

.app-transaction__icon--credit {
  background: rgba(16, 185, 129, 0.12);
  color: #10b981;
}

.app-transaction__icon--debit {
  background: rgba(239, 68, 68, 0.12);
  color: #ef4444;
}

.app-transaction__info {
  min-width: 0;
}

.app-transaction__title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0 0 0.1rem;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.app-transaction__date {
  font-size: 0.72rem;
  color: var(--app-text-muted);
}

.app-transaction__amount {
  font-size: 0.9rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-left: 0.75rem;
}

.app-transaction__amount--credit {
  color: #10b981;
}

.app-transaction__amount--debit {
  color: #ef4444;
}

/* -------------------------------------------------------------
   21. Dashboard — Empty State
   ------------------------------------------------------------- */

.app-empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 2.5rem 1.5rem;
}

.app-empty__icon {
  width: 64px;
  height: 64px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.75rem;
  margin-bottom: 1rem;
}

.app-empty__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--app-text);
  margin-bottom: 0.4rem;
}

.app-empty__desc {
  font-size: 0.85rem;
  color: var(--app-text-muted);
  line-height: 1.5;
  max-width: 28ch;
  margin-bottom: 1.25rem;
}

/* -------------------------------------------------------------
   22. Dashboard — Create New Plan Button
   ------------------------------------------------------------- */

.app-plan-create {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
  min-height: 50px;
  padding: 0.85rem 1rem;
  background: transparent;
  border: 1.5px solid var(--app-accent);
  border-radius: var(--app-radius);
  color: var(--app-accent);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  touch-action: manipulation;
  transition: background-color 150ms ease, transform 100ms ease;
  text-decoration: none;
}

.app-plan-create:hover {
  background-color: var(--app-accent-soft);
}

.app-plan-create:active {
  transform: scale(0.98);
}

.app-plan-create i {
  font-size: 1.2rem;
}

/* -------------------------------------------------------------
   23. Wallet — Funding Option Card
   ------------------------------------------------------------- */

.app-option-card {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 1rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  margin-bottom: 0.75rem;
  text-decoration: none;
  touch-action: manipulation;
  cursor: pointer;
  transition: transform 100ms ease, border-color 150ms ease;
}

.app-option-card:active {
  transform: scale(0.98);
}

[data-theme="dark"] .app-option-card {
  background: var(--dark-secondary);
}

.app-option-card__icon {
  width: 44px;
  height: 44px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.app-option-card__body {
  flex: 1;
  min-width: 0;
}

.app-option-card__title {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0 0 0.15rem;
}

.app-option-card__desc {
  font-size: 0.78rem;
  color: var(--app-text-muted);
  margin: 0;
  line-height: 1.3;
}

.app-option-card__tag {
  display: inline-flex;
  align-items: center;
  padding: 0.2rem 0.6rem;
  font-size: 0.6rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  border-radius: 6px;
  background: rgba(245, 158, 11, 0.1);
  color: #d97706;
  white-space: nowrap;
  flex-shrink: 0;
}

[data-theme="dark"] .app-option-card__tag {
  background: rgba(245, 158, 11, 0.2);
}

/* -------------------------------------------------------------
   24. Bottom Sheet (replaces Bootstrap offcanvas)
   ------------------------------------------------------------- */

.sheet-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.4);
  z-index: var(--z-overlay);
  opacity: 0;
  pointer-events: none;
  transition: opacity 200ms ease;
}

.sheet-backdrop.open {
  opacity: 1;
  pointer-events: auto;
}

.app-sheet {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: var(--z-modal);
  background: var(--app-surface);
  border-radius: var(--app-radius-lg) var(--app-radius-lg) 0 0;
  padding: 0.75rem 1.25rem calc(1.25rem + var(--sab));
  transform: translateY(100%);
  transition: transform 280ms cubic-bezier(0.34, 1.56, 0.64, 1);
  max-height: 70vh;
  overflow-y: auto;
}

.app-sheet.open {
  transform: translateY(0);
}

.app-sheet__handle {
  width: 36px;
  height: 4px;
  border-radius: 2px;
  background: var(--app-border);
  margin: 0 auto 0.75rem;
}

.app-sheet__title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--app-text);
  margin-bottom: 1rem;
  text-align: center;
}

.app-sheet__close {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  background: none;
  border: none;
  border-radius: 50%;
  color: var(--app-text-muted);
  font-size: 1.2rem;
  cursor: pointer;
  touch-action: manipulation;
  transition: background-color 150ms ease, transform 100ms ease;
}

.app-sheet__close:active {
  transform: scale(0.90);
  background: var(--app-accent-soft);
}

[data-theme="dark"] .app-sheet {
  background: var(--dark-secondary);
}

/* -------------------------------------------------------------
   25. Settings — Menu Item
   ------------------------------------------------------------- */

.app-settings-group {
  margin-bottom: 1.5rem;
}

.app-settings-group__title {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--app-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.5rem;
  padding: 0 1rem;
}

.app-settings-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 0.85rem 1rem;
  background: var(--app-surface);
  border-bottom: 1px solid var(--app-border);
  text-decoration: none;
  touch-action: manipulation;
  cursor: pointer;
  transition: background-color 100ms ease, transform 100ms ease;
}

.app-settings-item:first-child {
  border-top-left-radius: var(--app-radius);
  border-top-right-radius: var(--app-radius);
}

.app-settings-item:last-child {
  border-bottom: none;
  border-bottom-left-radius: var(--app-radius);
  border-bottom-right-radius: var(--app-radius);
}

.app-settings-item:active {
  background: var(--app-accent-soft);
  transform: scale(0.98);
}

[data-theme="dark"] .app-settings-item {
  background: var(--dark-secondary);
}

.app-settings-item__icon {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.2rem;
  flex-shrink: 0;
}

.app-settings-item__icon--danger {
  background: rgba(239, 68, 68, 0.1);
  color: #ef4444;
}

.app-settings-item__body {
  flex: 1;
  min-width: 0;
}

.app-settings-item__title {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0;
}

.app-settings-item__sub {
  font-size: 0.75rem;
  color: var(--app-text-muted);
  margin: 0.1rem 0 0;
}

.app-settings-item__chevron {
  color: var(--app-text-muted);
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* -------------------------------------------------------------
   26. Settings — Profile Card
   ------------------------------------------------------------- */

.app-profile-card {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1rem;
  margin: 0 1rem 1.25rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
}

[data-theme="dark"] .app-profile-card {
  background: var(--dark-secondary);
}

.app-profile-card__avatar {
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.3rem;
  font-weight: 700;
  flex-shrink: 0;
  overflow: hidden;
}

.app-profile-card__avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.app-profile-card__info {
  flex: 1;
  min-width: 0;
}

.app-profile-card__name {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--app-text);
  margin: 0 0 0.25rem;
}

.app-profile-card__badge {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.55rem;
  font-size: 0.65rem;
  font-weight: 600;
  border-radius: 6px;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.app-profile-card__badge--unverified {
  background: rgba(245, 158, 11, 0.1);
  color: #d97706;
}

.app-profile-card__badge--verified {
  background: rgba(16, 185, 129, 0.1);
  color: #10b981;
}

[data-theme="dark"] .app-profile-card__badge--unverified {
  background: rgba(245, 158, 11, 0.2);
}

[data-theme="dark"] .app-profile-card__badge--verified {
  background: rgba(16, 185, 129, 0.2);
}

/* -------------------------------------------------------------
   27. Settings — Detail Card (read-only fields)
   ------------------------------------------------------------- */

.app-detail-card {
  margin: 0 1rem 1.25rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  overflow: hidden;
}

[data-theme="dark"] .app-detail-card {
  background: var(--dark-secondary);
}

.app-detail-card__row {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--app-border);
}

.app-detail-card__row:last-child {
  border-bottom: none;
}

.app-detail-card__label {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--app-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.app-detail-card__value {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--app-text);
  margin: 0;
}

/* -------------------------------------------------------------
   28. Settings — Toggle Switch (for dark mode, etc.)
   ------------------------------------------------------------- */

.app-toggle {
  position: relative;
  display: inline-block;
  width: 48px;
  height: 28px;
  flex-shrink: 0;
}

.app-toggle input {
  opacity: 0;
  width: 0;
  height: 0;
}

.app-toggle__slider {
  position: absolute;
  cursor: pointer;
  inset: 0;
  background-color: var(--app-border);
  border-radius: 28px;
  transition: background-color 200ms ease;
}

.app-toggle__slider::before {
  position: absolute;
  content: "";
  height: 22px;
  width: 22px;
  left: 3px;
  bottom: 3px;
  background-color: #ffffff;
  border-radius: 50%;
  transition: transform 200ms cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.2);
}

.app-toggle input:checked + .app-toggle__slider {
  background-color: var(--app-accent);
}

.app-toggle input:checked + .app-toggle__slider::before {
  transform: translateX(20px);
}

/* Settings item with a toggle on the right (instead of chevron) */
.app-settings-item--toggle {
  cursor: pointer;
}

/* -------------------------------------------------------------
   29. Settings — Logout Sheet
   ------------------------------------------------------------- */

.app-logout-sheet__text {
  text-align: center;
  font-size: 0.9rem;
  color: var(--app-text);
  margin-bottom: 1.25rem;
  line-height: 1.5;
}

.app-logout-sheet__actions {
  display: flex;
  gap: 0.75rem;
}

.app-logout-sheet__actions .app-btn {
  flex: 1;
}

/* -------------------------------------------------------------
   29. App Content Scroll Area
   ------------------------------------------------------------- */

.app-content {
  padding-top: calc(var(--topbar-h) + var(--sat));
  padding-bottom: calc(var(--tabbar-h) + var(--sab));
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

/* When there's no topbar on a page */
.app-content--no-topbar {
  padding-top: var(--sat);
}

/* -------------------------------------------------------------
   30. Segmented Control (filter tabs)
   ------------------------------------------------------------- */

.segmented {
  display: flex;
  background: var(--app-border);
  border-radius: 0.65rem;
  padding: 3px;
  gap: 3px;
}

.segmented__item {
  flex: 1;
  border: none;
  background: transparent;
  padding: 0.45rem 0;
  border-radius: 0.5rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--app-text-muted);
  cursor: pointer;
  touch-action: manipulation;
  transition: all 150ms ease;
  text-decoration: none;
  text-align: center;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.3rem;
}

.segmented__item.active {
  background: var(--app-surface);
  color: var(--app-text);
  box-shadow: 0 1px 3px rgba(6, 18, 56, 0.08);
}

.segmented__item:active {
  transform: scale(0.97);
}

[data-theme="dark"] .segmented__item.active {
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.3);
}

.segmented__count {
  font-size: 0.7rem;
  font-weight: 700;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  padding: 0.1rem 0.4rem;
  border-radius: 6px;
  line-height: 1.2;
}

.segmented__item.active .segmented__count {
  background: var(--app-accent);
  color: #ffffff;
}

/* -------------------------------------------------------------
   31. Notification — Category Chips (horizontal scroll)
   ------------------------------------------------------------- */

.notification-chips {
  display: flex;
  gap: 0.5rem;
  padding: 0 1rem;
  margin-bottom: 1rem;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}

.notification-chips::-webkit-scrollbar {
  display: none;
}

.notification-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.4rem 0.75rem;
  border-radius: 999px;
  font-size: 0.75rem;
  font-weight: 600;
  white-space: nowrap;
  border: 1.5px solid var(--app-border);
  background: var(--app-surface);
  color: var(--app-text-muted);
  text-decoration: none;
  touch-action: manipulation;
  transition: all 150ms ease;
  flex-shrink: 0;
}

.notification-chip:active {
  transform: scale(0.95);
}

.notification-chip.active {
  border-color: var(--app-accent);
  background: var(--app-accent-soft);
  color: var(--app-accent);
}

.notification-chip__count {
  font-size: 0.65rem;
  font-weight: 700;
  opacity: 0.7;
}

/* -------------------------------------------------------------
   32. Notification — List Item
   ------------------------------------------------------------- */

.app-notification-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  background: var(--app-surface);
  border-bottom: 1px solid var(--app-border);
  text-decoration: none;
  touch-action: manipulation;
  cursor: pointer;
  transition: background-color 100ms ease, transform 100ms ease;
  position: relative;
}

.app-notification-item:active {
  background: var(--app-accent-soft);
  transform: scale(0.98);
}

[data-theme="dark"] .app-notification-item {
  background: var(--dark-secondary);
}

/* Unread state — subtle left accent + tinted background */
.app-notification-item--unread {
  background: rgba(13, 90, 253, 0.04);
  border-left: 3px solid var(--app-accent);
}

[data-theme="dark"] .app-notification-item--unread {
  background: rgba(13, 90, 253, 0.08);
}

/* Icon wrapper — category colored circle */
.app-notification-item__icon {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  flex-shrink: 0;
  font-size: 1.1rem;
}

/* Category color variants */
.app-notification-item__icon--transaction {
  background: rgba(16, 185, 129, 0.12);
  color: #10b981;
}

.app-notification-item__icon--savings {
  background: rgba(245, 158, 11, 0.12);
  color: #d97706;
}

.app-notification-item__icon--security {
  background: rgba(239, 68, 68, 0.12);
  color: #ef4444;
}

.app-notification-item__icon--system {
  background: rgba(139, 92, 246, 0.12);
  color: #7c3aed;
}

.app-notification-item__icon--kyc {
  background: rgba(13, 90, 253, 0.12);
  color: var(--app-accent);
}

[data-theme="dark"] .app-notification-item__icon--transaction {
  background: rgba(16, 185, 129, 0.2);
}

[data-theme="dark"] .app-notification-item__icon--savings {
  background: rgba(245, 158, 11, 0.2);
}

[data-theme="dark"] .app-notification-item__icon--security {
  background: rgba(239, 68, 68, 0.2);
}

[data-theme="dark"] .app-notification-item__icon--system {
  background: rgba(139, 92, 246, 0.2);
}

[data-theme="dark"] .app-notification-item__icon--kyc {
  background: rgba(13, 90, 253, 0.2);
}

/* Content area */
.app-notification-item__body {
  flex: 1;
  min-width: 0;
}

.app-notification-item__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 0.5rem;
  margin-bottom: 0.15rem;
}

.app-notification-item__title {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0;
  line-height: 1.3;
  min-width: 0;
}

/* Unread dot indicator */
.app-notification-item__unread-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--app-accent);
  flex-shrink: 0;
  margin-top: 0.3rem;
}

.app-notification-item__message {
  font-size: 0.8rem;
  color: var(--app-text-muted);
  margin: 0 0 0.4rem;
  line-height: 1.4;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

.app-notification-item__meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.5rem;
}

.app-notification-item__time {
  font-size: 0.7rem;
  color: var(--app-text-muted);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.app-notification-item__badge {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.5rem;
  font-size: 0.6rem;
  font-weight: 700;
  border-radius: 6px;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  white-space: nowrap;
  flex-shrink: 0;
}

.app-notification-item__badge--transaction {
  background: rgba(16, 185, 129, 0.1);
  color: #10b981;
}

.app-notification-item__badge--savings {
  background: rgba(245, 158, 11, 0.1);
  color: #d97706;
}

.app-notification-item__badge--security {
  background: rgba(239, 68, 68, 0.1);
  color: #ef4444;
}

.app-notification-item__badge--system {
  background: rgba(139, 92, 246, 0.1);
  color: #7c3aed;
}

.app-notification-item__badge--kyc {
  background: rgba(13, 90, 253, 0.1);
  color: var(--app-accent);
}

[data-theme="dark"] .app-notification-item__badge--transaction {
  background: rgba(16, 185, 129, 0.2);
}

[data-theme="dark"] .app-notification-item__badge--savings {
  background: rgba(245, 158, 11, 0.2);
}

[data-theme="dark"] .app-notification-item__badge--security {
  background: rgba(239, 68, 68, 0.2);
}

[data-theme="dark"] .app-notification-item__badge--system {
  background: rgba(139, 92, 246, 0.2);
}

[data-theme="dark"] .app-notification-item__badge--kyc {
  background: rgba(13, 90, 253, 0.2);
}

/* -------------------------------------------------------------
   33. Notification — Detail
   ------------------------------------------------------------- */

.app-notification-detail {
  padding: 1rem;
}

/* Detail header: icon + title + timestamp */
.app-notification-detail__header {
  display: flex;
  align-items: flex-start;
  gap: 0.85rem;
  margin-bottom: 1.25rem;
}

.app-notification-detail__icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  flex-shrink: 0;
  font-size: 1.4rem;
}

.app-notification-detail__icon--transaction {
  background: rgba(16, 185, 129, 0.12);
  color: #10b981;
}

.app-notification-detail__icon--savings {
  background: rgba(245, 158, 11, 0.12);
  color: #d97706;
}

.app-notification-detail__icon--security {
  background: rgba(239, 68, 68, 0.12);
  color: #ef4444;
}

.app-notification-detail__icon--system {
  background: rgba(139, 92, 246, 0.12);
  color: #7c3aed;
}

.app-notification-detail__icon--kyc {
  background: rgba(13, 90, 253, 0.12);
  color: var(--app-accent);
}

[data-theme="dark"] .app-notification-detail__icon--transaction {
  background: rgba(16, 185, 129, 0.2);
}

[data-theme="dark"] .app-notification-detail__icon--savings {
  background: rgba(245, 158, 11, 0.2);
}

[data-theme="dark"] .app-notification-detail__icon--security {
  background: rgba(239, 68, 68, 0.2);
}

[data-theme="dark"] .app-notification-detail__icon--system {
  background: rgba(139, 92, 246, 0.2);
}

[data-theme="dark"] .app-notification-detail__icon--kyc {
  background: rgba(13, 90, 253, 0.2);
}

.app-notification-detail__info {
  flex: 1;
  min-width: 0;
}

.app-notification-detail__title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--app-text);
  margin: 0 0 0.35rem;
  letter-spacing: -0.02em;
  line-height: 1.3;
}

.app-notification-detail__time {
  font-size: 0.78rem;
  color: var(--app-text-muted);
  display: flex;
  align-items: center;
  gap: 0.3rem;
}

/* Badges row */
.app-notification-detail__badges {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}

/* Message body */
.app-notification-detail__message {
  background: var(--app-accent-soft);
  border-radius: var(--app-radius);
  padding: 1rem;
  margin-bottom: 1.25rem;
}

.app-notification-detail__message p {
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--app-text);
  margin: 0;
}

[data-theme="dark"] .app-notification-detail__message {
  background: rgba(13, 90, 253, 0.08);
}

/* Context data list */
.app-notification-detail__context {
  margin-bottom: 1.25rem;
}

.app-notification-detail__context-title {
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--app-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.6rem;
}

.app-notification-detail__context-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.app-notification-detail__context-item {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  padding: 0.7rem 0.85rem;
}

[data-theme="dark"] .app-notification-detail__context-item {
  background: var(--dark-secondary);
}

.app-notification-detail__context-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--app-text-muted);
  flex-shrink: 0;
}

.app-notification-detail__context-value {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0;
  text-align: right;
  min-width: 0;
}

/* Action button */
.app-notification-detail__action {
  margin-top: 0.5rem;
}

/* -------------------------------------------------------------
   34. Notification — Loading / Infinite Scroll
   ------------------------------------------------------------- */

.notification-loading {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
}

.notification-loading__spinner {
  width: 28px;
  height: 28px;
  border: 3px solid var(--app-border);
  border-top-color: var(--app-accent);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

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

@media (prefers-reduced-motion: reduce) {
  .notification-loading__spinner {
    animation-duration: 1.5s;
  }
}

/* -------------------------------------------------------------
   35. PIN Entry Component
   ------------------------------------------------------------- */

.app-pin-entry {
  max-width: 450px;
  margin: 0 auto;
}

.app-pin-display {
  padding: 0.75rem 0;
}

.app-pin-display__dots {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
}

.app-pin-dot {
  width: 16px;
  height: 16px;
  border: 2px solid var(--app-border);
  border-radius: 50%;
  background-color: transparent;
  transition: all 0.2s ease;
}

.app-pin-dot.filled {
  background-color: var(--app-accent);
  border-color: var(--app-accent);
}

.app-pin-keypad {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  max-width: 220px;
  margin: 1.25rem auto 0;
}

.app-pin-key {
  aspect-ratio: 1;
  border: 2px solid var(--app-border);
  border-radius: 50%;
  background-color: var(--app-surface);
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--app-text);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  user-select: none;
  -webkit-tap-highlight-color: transparent;
  transition: transform 0.12s ease, background-color var(--app-transition), border-color var(--app-transition);
}

.app-pin-key:hover {
  background-color: var(--app-accent-soft);
  border-color: var(--app-accent);
  transform: scale(1.05);
}

.app-pin-key:active {
  transform: scale(0.92);
  background-color: var(--app-accent-soft);
}

.app-pin-key--delete {
  background-color: transparent;
  border-color: var(--app-border);
  color: var(--app-danger, #dc2626);
  font-size: 1.25rem;
}

.app-pin-key--delete:hover {
  background-color: rgba(220, 38, 38, 0.08);
  border-color: var(--app-danger, #dc2626);
}

.app-pin-key--empty {
  visibility: hidden;
}

@media (max-width: 576px) {
  .app-pin-keypad {
    max-width: 200px;
    gap: 8px;
  }

  .app-pin-key {
    font-size: 1rem;
  }

  .app-pin-dot {
    width: 14px;
    height: 14px;
  }
}

/* -------------------------------------------------------------
   36. OTP Input Component
   ------------------------------------------------------------- */

.app-otp {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
}

.app-otp__input {
  width: 48px;
  height: 56px;
  text-align: center;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--app-text);
  background: var(--app-surface);
  border: 2px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  outline: none;
  transition: border-color var(--app-transition), box-shadow var(--app-transition);
  -webkit-appearance: none;
}

.app-otp__input:focus {
  border-color: var(--app-accent);
  box-shadow: 0 0 0 3px var(--app-accent-soft);
}

@media (max-width: 576px) {
  .app-otp__input {
    width: 40px;
    height: 48px;
    font-size: 1rem;
  }

  .app-otp {
    gap: 0.375rem;
  }
}

/* -------------------------------------------------------------
   37. PIN Header Component
   ------------------------------------------------------------- */

.app-pin-header {
  text-align: center;
  margin-bottom: 1.75rem;
}

.app-pin-header__icon {
  width: 64px;
  height: 64px;
  display: inline-grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.75rem;
  margin-bottom: 1rem;
}

.app-pin-header__title {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--app-text);
  margin-bottom: 0.4rem;
}

.app-pin-header__desc {
  font-size: 0.85rem;
  color: var(--app-text-muted);
  line-height: 1.5;
  max-width: 30ch;
  margin: 0 auto;
}

/* -------------------------------------------------------------
   38. Method Selector (OTP delivery: SMS / Email)
   ------------------------------------------------------------- */

.app-method {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 1rem;
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  cursor: pointer;
  transition: border-color var(--app-transition), background-color var(--app-transition);
  width: 100%;
  text-align: left;
}

.app-method:hover {
  border-color: var(--app-accent);
  background: var(--app-accent-soft);
}

.app-method:active {
  transform: scale(0.98);
}

.app-method__icon {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.app-method__info {
  flex-grow: 1;
  min-width: 0;
}

.app-method__title {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--app-text);
  margin-bottom: 0.15rem;
}

.app-method__desc {
  font-size: 0.8rem;
  color: var(--app-text-muted);
}

.app-method__chevron {
  color: var(--app-text-muted);
  font-size: 1.1rem;
  flex-shrink: 0;
}

/* -------------------------------------------------------------
   39. Sticky Bottom Action Bar (always-visible bottom button)
        Replaces sm-bottom-sheet from style.css.
        NOT the same as .app-sheet (modal overlay) — this is
        always visible, pinned at the bottom of the viewport.
   ------------------------------------------------------------- */

.app-sticky-bottom {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--app-surface);
  border-radius: 20px 20px 0 0;
  box-shadow: 0 -4px 24px rgba(6, 18, 56, 0.08);
  padding: 16px 20px calc(16px + var(--sab));
  z-index: var(--z-sticky);
}

.app-sticky-bottom__inner {
  max-width: 480px;
  margin: 0 auto;
  text-align: center;
}

.app-sticky-bottom__btn {
  width: 100%;
  min-height: 54px;
  padding: 16px 24px;
  border: none;
  border-radius: var(--app-radius);
  background: var(--app-accent);
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 600;
  cursor: pointer;
  touch-action: manipulation;
  transition: transform 100ms ease, opacity var(--app-transition);
  font-family: inherit;
}

.app-sticky-bottom__btn:active:not(:disabled) {
  transform: scale(0.98);
}

.app-sticky-bottom__btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
  background: var(--app-border);
  color: var(--app-text-muted);
  box-shadow: none;
}

.app-sticky-bottom__hint {
  margin: 10px 0 0;
  font-size: 0.8rem;
  color: var(--app-text-muted);
  font-weight: 400;
}

[data-theme="dark"] .app-sticky-bottom {
  background: var(--dark-secondary);
  box-shadow: 0 -4px 24px rgba(0, 0, 0, 0.3);
}

/* -------------------------------------------------------------
   40. Alert Card (error / success inline banners)
        Replaces sm-alert-app from style.css.
   ------------------------------------------------------------- */

.app-alert {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--app-radius);
  margin-bottom: 16px;
  animation: app-slideDown 0.3s ease;
}

.app-alert i {
  font-size: 1.35rem;
  flex-shrink: 0;
}

.app-alert__body h6 {
  margin: 0 0 2px;
  font-size: 0.85rem;
  font-weight: 600;
  color: inherit;
}

.app-alert__body span {
  font-size: 0.8rem;
  opacity: 0.8;
  line-height: 1.4;
}

.app-alert--error {
  background: rgba(220, 53, 69, 0.08);
  border: 1px solid rgba(220, 53, 69, 0.15);
  color: var(--app-danger, #dc2626);
}

.app-alert--success {
  background: rgba(16, 185, 129, 0.08);
  border: 1px solid rgba(16, 185, 129, 0.15);
  color: var(--app-success, #10b981);
}

.app-alert--warning {
  background: rgba(245, 158, 11, 0.08);
  border: 1px solid rgba(245, 158, 11, 0.15);
  color: var(--app-warning, #d97706);
}

.app-alert--info {
  background: rgba(59, 130, 246, 0.08);
  border: 1px solid rgba(59, 130, 246, 0.15);
  color: var(--app-info, #3b82f6);
}

@keyframes app-slideDown {
  from { opacity: 0; transform: translateY(-10px); }
  to { opacity: 1; transform: translateY(0); }
}

[data-theme="dark"] .app-alert--error {
  background: rgba(220, 53, 69, 0.15);
  border-color: rgba(220, 53, 69, 0.25);
}

[data-theme="dark"] .app-alert--success {
  background: rgba(16, 185, 129, 0.15);
  border-color: rgba(16, 185, 129, 0.25);
}

/* -------------------------------------------------------------
   41. Limit Banner (daily limits info)
        Replaces sm-limit-banner from style.css.
   ------------------------------------------------------------- */

.app-limit-banner {
  background: linear-gradient(135deg, var(--app-accent-soft), rgba(13, 90, 253, 0.04));
  border-radius: var(--app-radius);
  padding: 12px 16px;
  margin-bottom: 20px;
}

.app-limit-banner__content {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8rem;
  color: var(--primary-700, #1a3a6b);
}

.app-limit-banner__content i {
  font-size: 1.15rem;
  color: var(--app-accent);
  flex-shrink: 0;
}

.app-limit-banner__content strong {
  font-weight: 700;
}

[data-theme="dark"] .app-limit-banner {
  background: linear-gradient(135deg, rgba(13, 90, 253, 0.15), rgba(13, 90, 253, 0.05));
}

[data-theme="dark"] .app-limit-banner__content {
  color: #b0c4ff;
}

[data-theme="dark"] .app-limit-banner__content i {
  color: #5a8aff;
}

/* -------------------------------------------------------------
   42. Amount Card (large numeric input w/ currency)
        Replaces sm-amount-card from style.css.
   ------------------------------------------------------------- */

.app-amount-card {
  background: var(--app-surface);
  border-radius: var(--app-radius-lg);
  padding: 32px 24px;
  margin-bottom: 24px;
  box-shadow: var(--app-shadow-sm);
  text-align: center;
}

.app-amount-card__inner {
  max-width: 280px;
  margin: 0 auto;
}

.app-amount-card__label {
  font-size: 0.85rem;
  color: var(--app-text-muted);
  margin-bottom: 12px;
  font-weight: 500;
}

.app-amount-card__display {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
}

.app-amount-card__currency {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--app-text);
  line-height: 1;
}

.app-amount-card__input {
  border: none;
  background: transparent;
  font-size: 2rem;
  font-weight: 700;
  color: var(--app-text);
  text-align: center;
  width: 200px;
  outline: none;
  padding: 0;
  line-height: 1.2;
  font-family: inherit;
}

.app-amount-card__input::placeholder {
  color: var(--app-border);
  font-weight: 400;
  font-size: 2.25rem;
}

.app-amount-card__underline {
  height: 3px;
  background: var(--app-accent);
  border-radius: 3px;
  margin-top: 16px;
  transform: scaleX(0);
  transition: transform 0.3s ease;
}

.app-amount-card__input.filled ~ .app-amount-card__underline {
  transform: scaleX(1);
}

[data-theme="dark"] .app-amount-card {
  background: var(--dark-secondary);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.15);
}

[data-theme="dark"] .app-amount-card__input::placeholder {
  color: #4a4d5a;
}

[data-theme="dark"] .app-amount-card__underline {
  background: linear-gradient(90deg, var(--app-accent), #5a8aff);
}

/* -------------------------------------------------------------
   43. Quick Amount Chips (preset amount buttons)
        Replaces sm-quick-amounts / sm-chip from style.css.
   ------------------------------------------------------------- */

.app-quick-amounts {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 20px;
  justify-content: center;
}

.app-chip {
  padding: 10px 20px;
  border-radius: 25px;
  border: 1.5px solid var(--app-border);
  background: var(--app-surface);
  color: var(--app-text);
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  touch-action: manipulation;
  transition: all 0.25s ease;
}

.app-chip:active {
  transform: scale(0.95);
}

.app-chip.active {
  border-color: var(--app-accent);
  background: var(--app-accent-soft);
  color: var(--app-accent);
  box-shadow: 0 2px 8px rgba(13, 90, 253, 0.15);
}

@keyframes app-chip-pop {
  0% { transform: scale(1); }
  50% { transform: scale(0.95); }
  100% { transform: scale(1); }
}

[data-theme="dark"] .app-chip {
  border-color: #2a2d3a;
  background: var(--dark-secondary);
  color: var(--white, #ffffff);
}

[data-theme="dark"] .app-chip.active {
  border-color: #5a8aff;
  background: rgba(13, 90, 253, 0.15);
  color: #5a8aff;
}

/* -------------------------------------------------------------
    44a. Tab Panel (show/hide for segmented control)
    ------------------------------------------------------------- */

.tab-panel {
  display: none;
}

.tab-panel.active {
  display: block;
}

/* -------------------------------------------------------------
   44. Info Note (icon + text note)
        Replaces sm-info-note from style.css.
   ------------------------------------------------------------- */

.app-info-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px;
  background: var(--app-accent-soft);
  border-radius: var(--app-radius-sm);
  font-size: 0.8rem;
  color: var(--app-text-muted);
  margin-bottom: 20px;
}

.app-info-note i {
  font-size: 1.15rem;
  color: var(--app-success, #14937F);
  flex-shrink: 0;
}

[data-theme="dark"] .app-info-note {
  background: rgba(255, 255, 255, 0.04);
  color: #b0b6bc;
}

/* -------------------------------------------------------------
   39. PIN Sheet Error / Success
   ------------------------------------------------------------- */

.app-pin-sheet__error {
  padding: 0.75rem 1rem;
  border-radius: var(--app-radius-sm);
  font-size: 0.85rem;
  margin-top: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(220, 38, 38, 0.08);
  color: var(--app-danger, #dc2626);
  border: 1px solid rgba(220, 38, 38, 0.2);
}

.app-pin-sheet__error--success {
  background: rgba(34, 197, 94, 0.08);
  color: var(--app-success, #16a34a);
  border-color: rgba(34, 197, 94, 0.2);
}

.app-pin-sheet__attempts {
  text-align: center;
  font-size: 0.8rem;
  color: var(--app-danger, #dc2626);
  margin-top: 0.5rem;
}

/* PIN sheet must sit above everything (topbar, other sheets, etc.) */
#pin-verification-backdrop {
  z-index: 9998;
}

#pin-verification-sheet {
  z-index: 9999;
}

/* -------------------------------------------------------------
   40. Savings — Wizard Step Indicator
   ------------------------------------------------------------- */

.app-wizard {
  margin-bottom: 1.25rem;
}

.app-wizard__step {
  font-size: 0.78rem;
  color: var(--app-text-muted);
  margin-bottom: 0.4rem;
}

.app-wizard__progress {
  height: 6px;
  border-radius: 3px;
  background: var(--app-border);
  overflow: hidden;
}

.app-wizard__progress-fill {
  height: 100%;
  border-radius: 3px;
  background: var(--app-accent);
  transition: width 300ms ease;
}

/* -------------------------------------------------------------
   41. Savings — Summary Card (wizard phase 3)
   ------------------------------------------------------------- */

.app-summary-card {
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  padding: 1rem 1.1rem;
  margin-bottom: 1.25rem;
}

[data-theme="dark"] .app-summary-card {
  background: var(--dark-secondary);
}

.app-summary-card__title {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--app-text);
  margin-bottom: 0.85rem;
}

.app-summary-card__row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.4rem 0;
  font-size: 0.85rem;
  color: var(--app-text-muted);
}

.app-summary-card__row strong {
  font-weight: 600;
  color: var(--app-text);
}

.app-summary-card__divider {
  border: none;
  border-top: 1px solid var(--app-border);
  margin: 0.6rem 0;
}

/* -------------------------------------------------------------
   42. Savings — Progress Card (detail pages)
   ------------------------------------------------------------- */

.app-progress-card {
  background: var(--app-surface);
  border: 1px solid var(--app-border);
  border-radius: var(--app-radius);
  padding: 1.5rem 1rem;
  margin-bottom: 1rem;
  text-align: center;
}

[data-theme="dark"] .app-progress-card {
  background: var(--dark-secondary);
}

.app-progress-card__ring {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.app-progress-card__ring svg {
  width: 90px;
  height: 90px;
  transform: rotate(-90deg);
}

.app-progress-card__ring-bg {
  fill: none;
  stroke: var(--app-border);
  stroke-width: 6;
}

.app-progress-card__ring-fill {
  fill: none;
  stroke: var(--app-accent);
  stroke-width: 6;
  stroke-linecap: round;
  transition: stroke-dasharray 400ms ease;
}

.app-progress-card__ring-text {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.app-progress-card__ring-percentage {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--app-accent);
  line-height: 1.2;
}

.app-progress-card__ring-label {
  font-size: 0.65rem;
  color: var(--app-text-muted);
}

.app-progress-card__stats {
  display: flex;
  gap: 0.5rem;
  margin-top: 1rem;
}

.app-progress-card__stat {
  flex: 1;
  background: var(--app-accent-soft);
  border-radius: var(--app-radius-sm);
  padding: 0.6rem 0.4rem;
  text-align: center;
}

[data-theme="dark"] .app-progress-card__stat {
  background: rgba(13, 90, 253, 0.12);
}

.app-progress-card__stat-label {
  display: block;
  font-size: 0.68rem;
  color: var(--app-text-muted);
  margin-bottom: 0.15rem;
}

.app-progress-card__stat-value {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--app-text);
}

/* -------------------------------------------------------------
   43. Savings — Purpose Card (grid of radio cards)
   ------------------------------------------------------------- */

.app-purpose-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.6rem;
}

.app-purpose-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
  padding: 0.85rem 0.5rem;
  background: var(--app-surface);
  border: 1.5px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  cursor: pointer;
  touch-action: manipulation;
  transition: border-color 150ms ease, background-color 150ms ease;
  text-align: center;
}

.app-purpose-card:active {
  transform: scale(0.97);
}

.app-purpose-card input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.app-purpose-card:has(input:checked) {
  border-color: var(--app-accent);
  background: var(--app-accent-soft);
}

.app-purpose-card__icon {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--app-accent-soft);
  color: var(--app-accent);
  font-size: 1.2rem;
}

.app-purpose-card:has(input:checked) .app-purpose-card__icon {
  background: var(--app-accent);
  color: #fff;
}

.app-purpose-card__label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--app-text);
}

/* -------------------------------------------------------------
   44. Savings — Saving Type Card (radio row)
   ------------------------------------------------------------- */

.app-type-card {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.85rem 1rem;
  background: var(--app-surface);
  border: 1.5px solid var(--app-border);
  border-radius: var(--app-radius-sm);
  margin-bottom: 0.6rem;
  cursor: pointer;
  touch-action: manipulation;
  transition: border-color 150ms ease, background-color 150ms ease;
}

.app-type-card:active {
  transform: scale(0.99);
}

.app-type-card input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}

.app-type-card:has(input:checked) {
  border-color: var(--app-accent);
  background: var(--app-accent-soft);
}

.app-type-card__dot {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  border: 2px solid var(--app-border);
  flex-shrink: 0;
  transition: border-color 150ms ease, background-color 150ms ease;
}

.app-type-card:has(input:checked) .app-type-card__dot {
  border-color: var(--app-accent);
  background: var(--app-accent);
  box-shadow: inset 0 0 0 3px var(--app-surface);
}

.app-type-card__body {
  flex: 1;
  min-width: 0;
}

.app-type-card__title {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0 0 0.1rem;
}

.app-type-card__desc {
  font-size: 0.75rem;
  color: var(--app-text-muted);
  margin: 0;
}

.app-type-card__tag {
  display: inline-flex;
  align-items: center;
  padding: 0.15rem 0.5rem;
  font-size: 0.6rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  border-radius: 5px;
  background: var(--app-accent);
  color: #fff;
  white-space: nowrap;
  flex-shrink: 0;
}

.app-type-card__tag--recommended {
  background: var(--app-accent);
  color: #fff;
}

/* -------------------------------------------------------------
   45. Savings — Quick Chips (amount shortcut buttons)
   ------------------------------------------------------------- */

.app-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin-bottom: 0.75rem;
}

.app-chip {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.75rem;
  font-size: 0.8rem;
  font-weight: 600;
  border-radius: 999px;
  border: 1.5px solid var(--app-border);
  background: var(--app-surface);
  color: var(--app-text);
  cursor: pointer;
  touch-action: manipulation;
  transition: border-color 150ms ease, background-color 150ms ease, color 150ms ease;
}

.app-chip:active {
  transform: scale(0.97);
}

.app-chip:hover {
  border-color: var(--app-accent);
  color: var(--app-accent);
}

/* -------------------------------------------------------------
   46. Infobox (info notes)
   ------------------------------------------------------------- */

.app-infobox {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  padding: 0.75rem 0.85rem;
  background: rgba(245, 158, 11, 0.08);
  border-radius: var(--app-radius-sm);
  font-size: 0.8rem;
  color: var(--app-text-muted);
  margin-bottom: 0.75rem;
  line-height: 1.4;
}

.app-infobox i {
  font-size: 1.1rem;
  color: #d97706;
  flex-shrink: 0;
  margin-top: 0.05rem;
}

/* -------------------------------------------------------------
   47. Member row
   ------------------------------------------------------------- */

.app-member-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.6rem 0;
}

.app-member-row + .app-member-row {
  border-top: 1px solid var(--app-border);
}

.app-member-row__avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-weight: 700;
  font-size: 0.85rem;
  color: #fff;
}

.app-member-row__info {
  flex: 1;
  min-width: 0;
}

.app-member-row__name {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0;
}

.app-member-row__detail {
  font-size: 0.72rem;
  color: var(--app-text-muted);
  margin: 0;
}

.app-member-row__badge {
  flex-shrink: 0;
}

/* -------------------------------------------------------------
    48. File Upload Dropzone (Tier 2 proof-of-address, etc.)
         Dashed-border tappable area with placeholder / preview
         states. No existing equivalent in custom.css.
    ------------------------------------------------------------- */

.app-upload {
  border: 1.5px dashed var(--app-border);
  border-radius: var(--app-radius);
  padding: 1.75rem 1rem;
  text-align: center;
  cursor: pointer;
  touch-action: manipulation;
  transition: border-color var(--app-transition), background-color var(--app-transition);
  position: relative;
}

.app-upload:hover {
  border-color: var(--app-accent);
  background-color: var(--app-accent-soft);
}

.app-upload.is-dragging {
  border-color: var(--app-accent);
  background-color: var(--app-accent-soft);
}

.app-upload input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}

.app-upload__placeholder i {
  font-size: 2.25rem;
  color: var(--app-accent);
  display: block;
  margin-bottom: 0.5rem;
}

.app-upload__placeholder p {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--app-text);
  margin: 0 0 0.25rem;
}

.app-upload__placeholder span {
  font-size: 0.75rem;
  color: var(--app-text-muted);
  display: block;
}

.app-upload__preview {
  display: none;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}

.app-upload__preview i {
  font-size: 1.5rem;
  color: var(--app-accent);
}

.app-upload__preview .app-upload__file-name {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--app-text);
  word-break: break-all;
}

.app-upload.has-file .app-upload__placeholder {
  display: none;
}

.app-upload.has-file .app-upload__preview {
  display: flex;
}

.app-upload__hint {
  font-size: 0.72rem;
  color: var(--app-text-muted);
  margin-top: 0.5rem;
}

/* -------------------------------------------------------------
    49. Page Spinner (canonical, reuses @keyframes spin)
         Only existing spinner is coupled to notifications.
    ------------------------------------------------------------- */

.app-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--app-border);
  border-top-color: var(--app-accent);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  display: inline-block;
}

.app-spinner--lg {
  width: 56px;
  height: 56px;
  border-width: 4px;
}

@media (prefers-reduced-motion: reduce) {
  .app-spinner {
    animation-duration: 1.5s;
  }
}


/* -------------------------------------------------------------
    50. App Loader — fullscreen HTMX preloader
        Uses opacity + pointer-events for zero-lag show/hide.
        Visible class is toggled by JS with a 150ms CSS delay
        so sub-150ms responses never flash the loader.
    ------------------------------------------------------------- */

/* Positioned inside #app-content so topbar & tabbar stay visible */
#app-content {
  position: relative;
}

.app-loader {
  position: absolute;
  inset: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  background: var(--app-bg);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0ms 0ms;
}

.app-loader--visible {
  opacity: 1;
  pointer-events: auto;
  transition: opacity 0ms 150ms;
}

.app-loader__dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--app-accent);
  animation: app-loader-wave 1.2s ease-in-out infinite;
  will-change: transform, opacity;
}

.app-loader__dot:nth-child(2) {
  animation-delay: 0.15s;
  background: var(--app-accent-soft);
}

.app-loader__dot:nth-child(3) {
  animation-delay: 0.3s;
}

.app-loader__dot:nth-child(4) {
  animation-delay: 0.45s;
  background: var(--app-accent-soft);
}

@keyframes app-loader-wave {
  0%,
  80%,
  100% {
    transform: scale(0.6);
    opacity: 0.3;
  }
  40% {
    transform: scale(1);
    opacity: 1;
  }
}

@media (prefers-reduced-motion: reduce) {
  .app-loader__dot {
    animation: none;
    opacity: 0.4;
  }
}