:root{
  --bg:#f3f4f6;--card:#fff;--fg:#1c2235;--muted:#697086;
  --primary:#facc15;--primary-fg:#1f2742;
  --blue:#1e4fae;--blue-fg:#fff;--secondary:#fff8d6;--accent:#fef3c7;
  --border:#e5e7eb;--danger:#ef4444;--green:#10b981;--rose:#f43f5e;--purple:#8b5cf6;--orange:#f97316;
  --radius:14px;
  --shadow-card:0 2px 12px -4px rgba(20,30,60,.08);
  --shadow-btn:0 4px 14px -2px rgba(30,79,174,.35);
  --gradient-header:linear-gradient(135deg,#facc15,#fbbf24);
  --gradient-blue:linear-gradient(135deg,#1e4fae,#0f3a8a);
}
*{box-sizing:border-box;margin:0;padding:0;border-color:var(--border)}
html,body{background:var(--bg);color:var(--fg);font-family:'Noto Sans Bengali','Inter',system-ui,sans-serif;-webkit-font-smoothing:antialiased}
.app{max-width:480px;margin:0 auto;background:var(--bg);min-height:100vh;padding-bottom:80px;position:relative}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:0;background:none}
input{font:inherit;width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:10px;background:#fff;outline:none}
input:focus{border-color:var(--blue)}
.muted{color:var(--muted)} .small{font-size:12px} .center{text-align:center}
.grow{flex:1} .row{display:flex;align-items:center;gap:12px} .bold{font-weight:700}
.border-t{border-top:1px solid var(--border);padding-top:8px;margin-top:8px}

.btn-blue{background:var(--blue);color:#fff;padding:12px 16px;border-radius:10px;font-weight:700;width:100%;display:inline-block;text-align:center}
.btn-blue:hover{opacity:.92} .full{width:100%} .link{color:var(--blue);text-decoration:underline}
.error{background:#fee2e2;color:#991b1b;padding:10px;border-radius:10px;margin:8px 0;font-size:14px;text-align:center}

.toast{position:fixed;top:14px;left:50%;transform:translateX(-50%);background:#16a34a;color:#fff;padding:10px 16px;border-radius:999px;z-index:1000;font-size:14px;box-shadow:var(--shadow-btn)}

/* Auth */
.auth-wrap{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:20px;background:var(--secondary)}
.auth-card{background:#fff;border-radius:18px;padding:30px;box-shadow:var(--shadow-card);width:100%;max-width:360px}
.auth-logo{width:64px;height:64px;background:var(--primary);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;color:var(--primary-fg);font-weight:800;font-size:24px}
.auth-card h1{text-align:center;color:var(--blue);margin-bottom:6px}
.auth-card form{display:flex;flex-direction:column;gap:12px;margin-top:18px}
.auth-card .center{margin-top:14px;font-size:14px}
.auth-card a{color:var(--blue);font-weight:700}

/* Home header */
.home-header{background:var(--gradient-header);padding:24px 16px 36px;border-radius:0 0 28px 28px}
.logo-circle{width:56px;height:56px;border-radius:50%;background:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;color:var(--blue);box-shadow:0 2px 6px rgba(0,0,0,.08)}
.home-header h2{color:var(--primary-fg);font-size:18px}
.home-header p{color:var(--primary-fg);opacity:.78;font-size:13px}
.balance-btn{background:var(--blue);color:#fff;border-radius:999px;padding:8px 18px;font-weight:600;font-size:14px;box-shadow:var(--shadow-btn)}

/* Cards & service grid */
.card{background:#fff;border-radius:18px;padding:16px;margin:-16px 16px 0;box-shadow:var(--shadow-card)}
.section-title{margin:22px 16px 10px;color:var(--blue);font-weight:800}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:14px 6px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.srv{display:flex;flex-direction:column;align-items:center;gap:6px;text-align:center}
.ic-box{width:54px;height:54px;border-radius:14px;background:var(--secondary);display:flex;align-items:center;justify-content:center;font-size:24px}
.ic-box.blue{color:var(--blue)}
.srv span{font-size:11px;font-weight:600;line-height:1.2}
.logout-link{display:inline-block;margin:24px 16px;font-size:14px;color:var(--muted);text-decoration:underline}

/* Modals */
.modal{display:none;position:fixed;inset:0;background:rgba(0,0,0,.45);align-items:center;justify-content:center;z-index:100;padding:20px}
.modal.open{display:flex}
.modal-card{background:#fff;border-radius:18px;padding:22px;max-width:320px;width:100%}
.modal-card h4{color:var(--blue);margin-bottom:8px}
.modal-card p{color:#374151;font-size:14px;line-height:1.6;margin-bottom:14px;white-space:pre-line}

/* Page header */
.page-header{background:var(--gradient-header);padding:18px 16px;display:flex;align-items:center;gap:10px;border-radius:0 0 16px 16px}
.page-header h1{color:var(--primary-fg);font-size:18px}
.page-header .back{color:var(--primary-fg);font-size:22px;font-weight:700}
.page-header.simple{background:#fff8d6}
.page-header.simple h1{color:var(--blue);font-size:26px;font-weight:800}
.container{padding:18px 16px}

/* Forms */
.formy{display:flex;flex-direction:column;gap:10px}
.formy label{font-size:13px;font-weight:600;color:#374151;margin-top:6px}
.chips .chip{position:relative}
.chips .chip input{position:absolute;opacity:0}
.chips .chip span{display:block;text-align:center;padding:10px;border:1px solid var(--border);border-radius:10px;background:#fff;font-weight:600;font-size:14px}
.chips .chip input:checked + span{background:var(--primary);border-color:var(--primary)}

.title-blue{color:var(--blue);font-size:18px;font-weight:800;margin-bottom:10px}
.title-red{color:var(--danger);font-weight:800;margin-bottom:10px}
.rows .r{display:flex;justify-content:space-between;font-size:14px;padding:4px 0}
.rows .r span:first-child{color:var(--muted)}
.rows .r.bold{font-size:16px;font-weight:700}

.fee-box{background:var(--secondary);border-radius:14px;padding:16px;text-align:center;margin:12px 0}
.fee-box .big{font-size:30px;font-weight:800;color:var(--blue)}

/* Empty state */
.empty-card{background:#fff;border-radius:18px;padding:40px 20px;text-align:center;box-shadow:var(--shadow-card)}
.empty-icon{font-size:54px;margin-bottom:10px}
.empty-card p{color:var(--muted)}

/* Loan history items */
.loan-item{background:#fff;border-radius:18px;padding:14px;margin-bottom:10px;box-shadow:var(--shadow-card)}
.loan-item .amt{font-weight:700;color:var(--blue);font-size:18px}
.badge-success{background:#dcfce7;color:#15803d;font-size:11px;padding:4px 10px;border-radius:999px;font-weight:700}

/* Transactions */
.hero-tx{background:var(--gradient-blue);color:#fff;padding:28px 18px 70px;border-radius:0 0 28px 28px}
.hero-tx h1{font-size:22px;font-weight:800}
.hero-tx .sub{font-size:12px;opacity:.75;margin-top:4px}
.hero-tx .filter{background:rgba(255,255,255,.16);width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.summary{margin-top:18px}
.sum{background:rgba(255,255,255,.1);backdrop-filter:blur(6px);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:10px}
.sum .ic{width:26px;height:26px;border-radius:50%;background:rgba(255,255,255,.16);display:flex;align-items:center;justify-content:center;font-size:14px}
.sum.green .ic{background:rgba(16,185,129,.25)} .sum.red .ic{background:rgba(244,63,94,.25)}
.sum p{font-size:10px;opacity:.7;margin-top:6px}
.sum b{font-size:14px;font-variant-numeric:tabular-nums}
.searchbar{margin-top:-46px;background:#fff;border-radius:16px;padding:12px 14px;display:flex;align-items:center;gap:8px;box-shadow:var(--shadow-card);position:relative;z-index:2}
.searchbar input{border:0;padding:0;background:transparent}
.tabs2{margin-top:14px;background:var(--secondary);border-radius:999px;padding:4px;display:grid;grid-template-columns:1fr 1fr;font-weight:700;font-size:14px}
.tabs2 button{padding:10px;border-radius:999px;color:#697086}
.tabs2 button.active{background:var(--primary);color:var(--primary-fg);box-shadow:var(--shadow-btn)}
.chips-row{display:flex;gap:8px;overflow-x:auto;margin-top:14px;padding-bottom:4px}
.chips-row button{padding:6px 14px;border-radius:999px;border:1px solid var(--border);background:#fff;font-size:14px;font-weight:500;white-space:nowrap}
.chips-row button.active{background:var(--blue);color:#fff;border-color:var(--blue)}
.empty-tx{text-align:center;padding:40px 20px}
.empty-tx .circle-pulse{width:140px;height:140px;border-radius:50%;background:#fff;box-shadow:var(--shadow-card);display:flex;align-items:center;justify-content:center;font-size:54px;margin:0 auto 14px}
.empty-tx h3{font-weight:700;margin-bottom:6px}
.empty-tx p{color:var(--muted);font-size:14px}

/* Profile */
.profile-hero{background:var(--gradient-header);padding:30px 18px 50px}
.profile-hero .avatar{width:64px;height:64px;border-radius:50%;background:#fff;display:flex;align-items:center;justify-content:center;font-size:30px;color:var(--blue)}
.profile-hero h2{color:var(--primary-fg);font-size:20px;font-weight:800}
.profile-hero p{color:var(--primary-fg);opacity:.85;font-size:13px}
.tags{margin-top:6px;display:flex;gap:6px}
.tag{background:#f3f4f6;color:#1f2937;padding:2px 10px;border-radius:999px;font-size:11px;font-weight:700}
.tag.indigo{background:#e0e7ff;color:#3730a3}
.stats{margin-top:-30px}
.stat{background:#fff;border:1px solid var(--border);border-radius:12px;padding:12px}
.stat p{color:var(--muted);font-size:13px;margin-bottom:4px}
.stat b{font-size:18px}
.actions .qa{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:8px;align-items:center;font-weight:700;color:var(--danger)}
.actions .qa span{color:var(--fg)}
.btn-logout{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--danger);color:#fff;margin:18px 16px;padding:12px;border-radius:12px;font-weight:700}

/* Lists (more page) */
.list{padding:0}
.list-item{display:flex;align-items:center;gap:12px;padding:14px 16px;border-bottom:1px solid var(--border);font-weight:600}
.list-item:last-child{border-bottom:0}
.list-item.red{color:var(--danger)}

/* Bottom nav */
.bottom-nav{position:fixed;bottom:0;left:0;right:0;max-width:480px;margin:0 auto;background:#fff;border-top:1px solid var(--border);display:flex;justify-content:space-around;padding:8px 0;z-index:50}
.bottom-nav a{display:flex;flex-direction:column;align-items:center;gap:2px;color:var(--muted);font-size:11px;font-weight:600;padding:4px 8px}
.bottom-nav a.active{color:var(--blue)}
.bottom-nav .ic{font-size:20px}