/* ===========================================================
   Vireon Bank — Espace client (vanilla SPA) — design moderne
   =========================================================== */
:root{
  --ink:#0f1722; --ink-2:#16202e; --ink-line:#23303f;
  --ground:#eef1f6; --surface:#ffffff; --line:#e7eaef;
  --text:#0f1722; --muted:#6a7585; --faint:#9aa4b2;
  --red:#0C244A; --red-dark:#062420; --orange:#E8A657;
  --credit:#1B4D8A; --warn:#c06400; --warn-bg:#fff8ef; --warn-line:#ffe6c4;
  --r:16px; --r-lg:22px;
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --shadow:0 1px 2px rgba(16,23,34,.04),0 8px 24px -16px rgba(16,23,34,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html,body{height:100%}
body{font-family:var(--font);background:var(--ground);color:var(--text);line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
input,select,textarea{font:inherit}
svg{display:block}
.num{font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--faint)}
.hidden{display:none!important}

/* boot + toast */
.boot{min-height:100vh;display:grid;place-items:center;background:var(--ground)}
.boot-mark{width:54px;height:54px;border-radius:16px;background:linear-gradient(135deg,var(--red),var(--orange));
  display:grid;place-items:center;color:#fff;font-weight:900;font-size:26px;animation:pulse 1.2s ease-in-out infinite}
@keyframes pulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(.92);opacity:.7}}
.toast{position:fixed;left:50%;bottom:26px;transform:transl(-50%,40px);translate:-50% 40px;opacity:0;pointer-events:none;
  background:var(--ink);color:#fff;padding:13px 20px;border-radius:12px;font-size:14px;font-weight:500;z-index:200;
  box-shadow:0 18px 40px -18px rgba(0,0,0,.5);transition:opacity .25s,translate .25s;max-width:90vw}
.toast.show{opacity:1;translate:-50% 0}
.toast.err{background:var(--red-dark)}
.toast.ok{background:#07182B}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:44px;padding:0 20px;border-radius:12px;
  font-weight:700;font-size:14.5px;white-space:nowrap;transition:all .16s ease}
.btn svg{width:17px;height:17px;stroke:currentColor;fill:none;stroke-width:2}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 8px 18px -8px rgba(12,36,74,.6)}
.btn-primary:hover{background:var(--red-dark);transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--red);border:1.5px solid var(--red)}
.btn-ghost:hover{background:#fff5f5}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:var(--ink-2)}
.btn-block{width:100%}
.btn:disabled{opacity:.55;cursor:not-allowed;transform:none}

/* ---------- LOGIN / AUTH ---------- */
.auth{display:grid;grid-template-columns:1.05fr 1fr;min-height:100vh}
.auth .pane-brand{position:relative;overflow:hidden;background:linear-gradient(150deg,var(--red),var(--red-dark) 55%,var(--orange) 140%);
  color:#fff;padding:54px 50px;display:flex;flex-direction:column}
.auth .pane-brand canvas{position:absolute;inset:0;width:100%;height:100%;opacity:.4;mix-blend-mode:soft-light}
.auth .logo{display:flex;align-items:center;gap:11px;font-weight:800;font-size:21px;letter-spacing:-.02em;position:relative;padding-bottom:40px}
.auth .logo .mk{width:36px;height:36px;border-radius:10px;background:rgba(255,255,255,.18);display:grid;place-items:center;font-weight:900}
.auth .pane-brand h2{font-size:33px;font-weight:800;letter-spacing:-.03em;line-height:1.12;position:relative;max-width:420px}
.auth .pane-brand p{margin-top:14px;color:rgba(255,255,255,.85);font-size:15px;position:relative;max-width:380px}
.auth .trust{margin-top:auto;display:flex;flex-wrap:wrap;gap:20px;position:relative;font-size:12.5px;color:rgba(255,255,255,.88)}
.auth .pane-form{background:var(--surface);padding:54px 50px;display:flex;flex-direction:column;justify-content:center}
.auth .pane-form .inner{width:100%;max-width:380px;margin:0 auto}
.auth h3{font-size:25px;font-weight:800;letter-spacing:-.02em}
.auth .sub{color:var(--muted);font-size:14.5px;margin:6px 0 26px}
.field{margin-bottom:16px}
.field label{display:block;font-size:12.5px;font-weight:600;color:var(--muted);margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;border:1px solid var(--line);border-radius:12px;padding:13px 15px;font-size:15px;background:#fff;transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 4px rgba(12,36,74,.12)}
.auth .alt{margin-top:20px;font-size:14px;color:var(--muted);text-align:center}
.auth .alt a{color:var(--red);font-weight:700}
.auth-link{color:var(--red);font-weight:700;cursor:pointer}

/* ---------- APP SHELL ---------- */
.app{display:grid;grid-template-columns:252px 1fr;min-height:100vh}
.side{background:var(--ink);color:#aeb9c7;display:flex;flex-direction:column;padding:22px 16px;position:sticky;top:0;height:100vh}
.side .logo{display:flex;align-items:center;gap:11px;padding:6px 10px 22px;color:#fff;font-weight:800;font-size:19px;letter-spacing:-.02em}
.side .logo .mk{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--red),var(--orange));display:grid;place-items:center;color:#fff;font-weight:900}
.navlbl{font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:#5a6776;margin:14px 12px 6px}
.nav a{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:11px;color:#aeb9c7;font-weight:500;font-size:14.5px;transition:.15s;cursor:pointer}
.nav a svg{width:19px;height:19px;stroke:currentColor;fill:none;stroke-width:1.8}
.nav a:hover{background:var(--ink-2);color:#fff}
.nav a.on{background:linear-gradient(100deg,rgba(12,36,74,.20),rgba(252,113,43,.12));color:#fff;box-shadow:inset 0 0 0 1px rgba(12,36,74,.35)}
.nav a.on svg{stroke:var(--orange)}
.side .foot{margin-top:auto;display:flex;align-items:center;gap:11px;padding:12px;border-top:1px solid var(--ink-line)}
.side .foot .av{width:36px;height:36px;border-radius:50%;background:linear-gradient(135deg,#384b61,#1c2733);display:grid;place-items:center;color:#fff;font-weight:700;font-size:13px}
.side .foot b{color:#fff;font-size:13.5px;display:block;line-height:1.2}
.side .foot span{font-size:11.5px;color:#8a96a6}

.main{padding:24px 34px 56px;min-width:0}
.top{display:flex;align-items:center;gap:16px;margin-bottom:24px}
.top h1{font-size:22px;font-weight:800;letter-spacing:-.03em}
.top h1 span{color:var(--muted);font-weight:600}
.top .grow{flex:1}
.icobtn{width:42px;height:42px;border-radius:12px;background:var(--surface);border:1px solid var(--line);display:grid;place-items:center;position:relative}
.icobtn svg{width:19px;height:19px;stroke:var(--text);fill:none;stroke-width:1.8}
.icobtn .dot{position:absolute;top:9px;right:10px;width:8px;height:8px;border-radius:50%;background:var(--red);border:2px solid var(--surface)}
.burger{display:none}

/* generic cards / grid */
.grid2{display:grid;grid-template-columns:1.55fr 1fr;gap:22px;align-items:start}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow)}
.card .hd{display:flex;align-items:center;justify-content:space-between;padding:18px 20px 12px}
.card .hd h3{font-size:15.5px;font-weight:700;letter-spacing:-.01em}
.card .hd a,.card .hd button{font-size:13px;color:var(--red);font-weight:600;cursor:pointer}
.card .bd{padding:18px 20px}
.section-title{font-size:18px;font-weight:800;letter-spacing:-.02em;margin:0 0 14px}

/* balance card (signature) */
.balance{position:relative;overflow:hidden;border-radius:var(--r-lg);padding:26px 28px;color:#fff;
  background:linear-gradient(120deg,#0C244A 0%,#1a5a4f 42%,#E8A657 130%);box-shadow:0 20px 40px -20px rgba(12,36,74,.6)}
.balance canvas{position:absolute;inset:0;width:100%;height:100%;opacity:.5;mix-blend-mode:soft-light;pointer-events:none}
.balance .row1{display:flex;justify-content:space-between;align-items:flex-start;position:relative}
.balance .eyebrow{color:rgba(255,255,255,.82)}
.balance .amt{font-size:40px;font-weight:800;letter-spacing:-.035em;margin:6px 0 2px;position:relative}
.balance .acct{font-size:13px;color:rgba(255,255,255,.82);position:relative;letter-spacing:.04em}
.balance .chip{width:42px;height:31px;border-radius:7px;background:linear-gradient(135deg,#ffe9b8,#d8a23f);position:relative;box-shadow:inset 0 0 0 1px rgba(255,255,255,.3)}
.balance .chip::after{content:"";position:absolute;inset:7px;border:1px solid rgba(120,80,0,.45);border-radius:3px}
.balance .actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px;position:relative}
.bbtn{display:inline-flex;align-items:center;gap:8px;height:42px;padding:0 18px;border-radius:11px;font-weight:700;font-size:14px;cursor:pointer}
.bbtn svg{width:16px;height:16px;stroke:currentColor;fill:none;stroke-width:2}
.bbtn.solid{background:#fff;color:var(--red)}
.bbtn.ghost{background:rgba(255,255,255,.16);color:#fff}
.bbtn.ghost:hover{background:rgba(255,255,255,.26)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.stat{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:15px 16px;box-shadow:var(--shadow)}
.stat .k{display:flex;align-items:center;gap:8px;color:var(--muted);font-size:12.5px;font-weight:600}
.stat .k i{width:26px;height:26px;border-radius:8px;display:grid;place-items:center;background:#fff1ef}
.stat .k i svg{width:15px;height:15px;stroke:var(--red);fill:none;stroke-width:2}
.stat .v{font-size:21px;font-weight:800;letter-spacing:-.02em;margin-top:9px}

/* transactions list */
.tx{display:flex;align-items:center;gap:14px;padding:13px 20px;border-top:1px solid var(--line)}
.tx:first-child{border-top:0}
.tx .ic{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;flex:0 0 auto}
.tx .ic svg{width:18px;height:18px;fill:none;stroke-width:2}
.tx .ic.in{background:#e7f7f0}.tx .ic.in svg{stroke:var(--credit)}
.tx .ic.out{background:#f1f4f8}.tx .ic.out svg{stroke:#46546a}
.tx .meta{flex:1;min-width:0}
.tx .meta b{font-size:14px;font-weight:600;display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.tx .meta span{font-size:12.5px;color:var(--faint)}
.tx .amt{font-weight:700;font-size:14.5px;white-space:nowrap}
.tx .amt.in{color:var(--credit)}
.pill{display:inline-block;font-size:11px;font-weight:700;padding:3px 9px;border-radius:999px}
.pill.ok{background:#e7f7f0;color:var(--credit)}
.pill.pend{background:#fff4e6;color:var(--warn)}
.pill.blk{background:#fdeaea;color:var(--red-dark)}

.tf-steps{display:flex;gap:8px;margin-bottom:22px}
.tf-step{flex:1;text-align:center;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:var(--faint);padding-bottom:10px;border-bottom:3px solid var(--line)}
.tf-step.active{color:var(--red);border-color:var(--red)}
.tf-step.done{color:var(--credit);border-color:var(--credit)}
.iban-check{margin-top:10px;padding:12px 14px;border-radius:var(--r);font-size:13px;display:none}
.iban-check.show{display:block}
.iban-check.ok{background:#e7f7f0;color:var(--credit)}
.iban-check.err{background:#fdeaea;color:var(--red-dark)}
.recap-block{border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;margin-bottom:14px}
.recap-block h4{font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--faint);margin-bottom:10px}
.recap-row{display:flex;justify-content:space-between;gap:12px;padding:6px 0;font-size:14px;border-bottom:1px solid var(--line)}
.recap-row:last-child{border-bottom:none}
.recap-row span:first-child{color:var(--muted)}
.recap-row span:last-child{font-weight:600;text-align:right}
.recap-amount{font-size:26px;font-weight:700;text-align:center;padding:14px 0;color:var(--red)}

/* virtual card + pending transfer */
.vcwrap{display:flex;flex-direction:column;gap:14px}
.vcard{position:relative;overflow:hidden;border-radius:18px;padding:20px;color:#fff;aspect-ratio:1.6/1;display:flex;flex-direction:column;
  background:linear-gradient(135deg,#1b2735,#0f1722);box-shadow:0 16px 30px -18px rgba(15,23,34,.7)}
.vcard canvas{position:absolute;inset:0;width:100%;height:100%;opacity:.35;pointer-events:none}
.vcard .brand{display:flex;justify-content:space-between;align-items:center;font-weight:800;letter-spacing:-.02em;position:relative}
.vcard .no{font-size:18px;letter-spacing:.16em;margin-top:auto;position:relative}
.vcard .bot{display:flex;justify-content:space-between;align-items:flex-end;margin-top:12px;position:relative;font-size:11.5px;color:rgba(255,255,255,.7)}
.vcard .bot b{color:#fff;display:block;font-size:13px;letter-spacing:.03em}
.prog{height:9px;border-radius:999px;background:#eef1f6;overflow:hidden;margin:14px 0 10px}
.prog i{display:block;height:100%;border-radius:999px;background:linear-gradient(90deg,var(--red),var(--orange));transition:width .4s}
.pmeta{display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}
.pmeta b{color:var(--text)}
.lock{display:flex;gap:10px;margin-top:16px}
.lock input{flex:1;border:1px solid var(--line);border-radius:11px;padding:11px 14px;font-size:15px;letter-spacing:.2em;text-align:center}
.lock input:focus{outline:none;border-color:var(--red);box-shadow:0 0 0 4px rgba(12,36,74,.12)}
.note{display:flex;gap:9px;align-items:flex-start;margin-top:12px;font-size:12.5px;color:var(--warn);background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:11px;padding:10px 12px}
.note svg{width:16px;height:16px;flex:0 0 auto;stroke:var(--warn);fill:none;stroke-width:2;margin-top:1px}

/* tables */
.table{width:100%;border-collapse:collapse}
.table th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.07em;color:var(--faint);font-weight:700;padding:0 16px 10px}
.table td{padding:13px 16px;border-top:1px solid var(--line);font-size:14px}
.table tr td:last-child,.table tr th:last-child{text-align:right}

/* forms layout */
.form-card{max-width:560px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.help{font-size:12.5px;color:var(--muted);margin-top:-6px;margin-bottom:14px}

/* product cards (cards/loans) */
.prodgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:16px}
.prod{border:1px solid var(--line);border-radius:16px;padding:18px;background:#fff;box-shadow:var(--shadow)}
.prod h4{font-size:15px;font-weight:700;margin-bottom:4px}
.prod p{font-size:13px;color:var(--muted);margin-bottom:14px}

/* empty state */
.empty{text-align:center;color:var(--muted);padding:40px 20px}
.empty svg{width:42px;height:42px;stroke:var(--faint);fill:none;stroke-width:1.5;margin:0 auto 12px}
.empty b{display:block;color:var(--text);font-size:15px;margin-bottom:4px}

@media(max-width:900px){
  .app{grid-template-columns:1fr}
  .side{position:fixed;z-index:120;left:0;top:0;width:260px;transform:translateX(-100%);transition:transform .25s}
  .side.open{transform:translateX(0)}
  .burger{display:grid}
  .grid2{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr}
  .auth{grid-template-columns:1fr}.auth .pane-brand{display:none}
  .main{padding:18px}
  .form-row{grid-template-columns:1fr}
  .scrim{position:fixed;inset:0;background:rgba(0,0,0,.4);z-index:110}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}