/* =============================================
   Fiserv CFO — Main Stylesheet
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&display=swap');

/* --- CSS Variables --- */
:root {
    --navy:        #001F3F;
    --navy-deep:   #001230;
    --navy-mid:    #0A3D62;
    --orange:      #F58025;
    --orange-light:#FF9A4A;
    --white:       #FAFAFA;
    --gray-50:     #F8FAFC;
    --gray-100:    #F1F5F9;
    --gray-200:    #E2E8F0;
    --gray-400:    #94A3B8;
    --gray-500:    #64748B;
    --gray-700:    #334155;
    --text-dark:   #0F172A;
    --radius-sm:   8px;
    --radius-md:   12px;
    --radius-lg:   20px;
    --shadow-sm:   0 2px 8px rgba(0,0,0,0.08);
    --shadow-md:   0 8px 32px rgba(0,31,63,0.15);
    --shadow-lg:   0 20px 60px rgba(0,31,63,0.22);
}

/* --- Reset --- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

/* --- Base --- */
body {
    background-color: var(--gray-50);
    font-family: 'Inter', 'Segoe UI', sans-serif;
    min-height: 100vh;
    color: var(--text-dark);
    line-height: 1.6;
}

a {
    text-decoration: none;
}

/* =============================================
   HEADER / NAVIGATION
   ============================================= */

.header {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
    padding: 0 2rem;
    position: sticky;
    top: 0;
    z-index: 100;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    min-height: 68px;
    box-shadow: 0 4px 20px rgba(0, 31, 63, 0.45);
    border-bottom: 2px solid var(--orange);
}

.main-header {
    flex: 0 0 auto;
    display: flex;
    align-items: center;
}

.topheader {
    font-size: 1.4rem;
    font-weight: 800;
    letter-spacing: -0.5px;
}

.logo {
    background: linear-gradient(135deg, #ffffff, #FFD9B5);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-weight: 800;
}

.centertabs {
    flex: 1;
    display: flex;
    justify-content: flex-end;
    align-items: center;
}

.other_tabs1 {
    list-style: none;
    display: flex;
    gap: 4px;
    align-items: center;
    flex-wrap: nowrap;
}

.tab {
    color: rgba(250, 250, 250, 0.82);
    padding: 8px 14px;
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-size: 0.88rem;
    font-weight: 500;
    transition: all 0.2s ease;
    white-space: nowrap;
    user-select: none;
}

.tab:hover {
    background: rgba(245, 128, 37, 0.22);
    color: var(--white);
    transform: translateY(-1px);
}

.tab.active {
    background: var(--orange);
    color: var(--white);
}

/* =============================================
   MAIN WRAPPER
   ============================================= */

main {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 16px;
}

/* =============================================
   HERO BANNER
   ============================================= */

.hero-banner {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 64px;
    align-items: center;
    padding: 88px 0 96px;
}

.hero-content {
    animation: fadeInUp 0.8s ease-out both;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, var(--orange), var(--orange-light));
    color: var(--white);
    padding: 7px 20px;
    border-radius: 30px;
    font-size: 12px;
    font-weight: 700;
    margin-bottom: 24px;
    box-shadow: 0 4px 15px rgba(245, 128, 37, 0.4);
    letter-spacing: 0.8px;
    text-transform: uppercase;
}

.hero-main-title {
    font-size: 62px;
    font-weight: 800;
    line-height: 1.05;
    letter-spacing: -2.5px;
    margin-bottom: 18px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-tagline {
    font-size: 19px;
    color: var(--gray-700);
    font-weight: 500;
    margin-bottom: 20px;
    line-height: 1.5;
}

.hero-description {
    font-size: 15px;
    line-height: 1.85;
    color: var(--gray-500);
    margin-bottom: 40px;
    max-width: 560px;
}

/* Hero Buttons */
.hero-buttons {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.btn-hero {
    padding: 11px 22px;
    font-size: 13.5px;
    font-weight: 600;
    border: none;
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: all 0.25s ease;
    font-family: 'Inter', sans-serif;
    letter-spacing: 0.2px;
}

/* Each button gets a distinct color */
.btn-primary {
    background: linear-gradient(135deg, #001F3F, #0A3D62);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(0, 31, 63, 0.35);
}
.btn-primary:hover   { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0, 31, 63, 0.45); }

.btn-secondary {
    background: linear-gradient(135deg, #D97706, #F59E0B);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(217, 119, 6, 0.35);
}
.btn-secondary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(217, 119, 6, 0.45); }

.btn-tertiary {
    background: linear-gradient(135deg, #065F46, #059669);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(5, 150, 105, 0.35);
}
.btn-tertiary:hover  { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(5, 150, 105, 0.45); }

.btn-quaternary {
    background: linear-gradient(135deg, #4C1D95, #7C3AED);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(124, 58, 237, 0.35);
}
.btn-quaternary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(124, 58, 237, 0.45); }

.btn-quinary {
    background: linear-gradient(135deg, #9D174D, #DB2777);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(219, 39, 119, 0.35);
}
.btn-quinary:hover   { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(219, 39, 119, 0.45); }

.btn-sexenary {
    background: linear-gradient(135deg, #0F766E, #14B8A6);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(20, 184, 166, 0.35);
}
.btn-sexenary:hover  { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(20, 184, 166, 0.45); }

/* Hero Image */
.hero-visual {
    display: flex;
    justify-content: center;
    animation: fadeIn 1s ease-out 0.3s both;
}

.hero-visual img {
    width: 100%;
    max-width: 440px;
    height: 340px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    border: 3px solid rgba(245, 128, 37, 0.3);
    transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.hero-visual img:hover {
    transform: scale(1.04) rotate(1deg);
    box-shadow: 0 30px 80px rgba(0, 31, 63, 0.3);
}

/* =============================================
   SECTION HEADINGS
   ============================================= */

.section-heading {
    font-size: 34px;
    font-weight: 800;
    color: var(--white);
    text-align: center;
    margin-bottom: 48px;
    letter-spacing: -1px;
}

/* =============================================
   MISSION SECTION
   ============================================= */

.mission-section {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
    padding: 88px 40px;
}

.mission-card {
    background: rgba(250, 250, 250, 0.06);
    border: 1px solid rgba(250, 250, 250, 0.13);
    border-radius: var(--radius-lg);
    padding: 52px 56px;
    text-align: center;
    max-width: 860px;
    margin: 0 auto;
    backdrop-filter: blur(12px);
    box-shadow: 0 8px 40px rgba(0, 0, 0, 0.25);
}

.mission-text {
    font-size: 18px;
    line-height: 1.95;
    color: rgba(250, 250, 250, 0.88);
}

/* =============================================
   FEATURES GRID
   ============================================= */

.features-section {
    background: linear-gradient(160deg, var(--navy-mid) 0%, var(--navy-deep) 100%);
    padding: 88px 40px;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 28px;
    max-width: 1100px;
    margin: 0 auto;
}

.feature-box {
    background: rgba(250, 250, 250, 0.06);
    border: 1px solid rgba(250, 250, 250, 0.13);
    border-radius: var(--radius-lg);
    padding: 40px 36px;
    text-align: center;
    transition: all 0.3s ease;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
    position: relative;
    overflow: hidden;
}

.feature-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--orange), var(--orange-light));
    opacity: 0;
    transition: opacity 0.3s ease;
}

.feature-box:hover {
    transform: translateY(-10px);
    box-shadow: 0 24px 64px rgba(0, 0, 0, 0.28);
    border-color: rgba(245, 128, 37, 0.35);
    background: rgba(250, 250, 250, 0.1);
}

.feature-box:hover::before {
    opacity: 1;
}

.feature-icon {
    font-size: 52px;
    margin-bottom: 20px;
    display: block;
    line-height: 1;
}

.feature-box-title {
    font-size: 19px;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 14px;
    line-height: 1.35;
}

.feature-box-text {
    font-size: 14px;
    line-height: 1.85;
    color: rgba(250, 250, 250, 0.72);
    margin-bottom: 24px;
}

.feature-tech {
    display: flex;
    gap: 8px;
    justify-content: center;
    flex-wrap: wrap;
}

.tech-badge {
    background: rgba(245, 128, 37, 0.18);
    color: rgba(250, 250, 250, 0.9);
    padding: 5px 13px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 600;
    border: 1px solid rgba(245, 128, 37, 0.38);
    letter-spacing: 0.4px;
    text-transform: uppercase;
}

/* =============================================
   FOOTER
   ============================================= */

footer {
    background: var(--navy-deep);
    color: rgba(250, 250, 250, 0.55);
    text-align: center;
    padding: 28px 16px;
    font-size: 14px;
    border-top: 2px solid rgba(245, 128, 37, 0.3);
}

footer strong {
    color: var(--orange);
    font-weight: 600;
}

/* =============================================
   ANIMATIONS
   ============================================= */

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(28px); }
    to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to   { opacity: 1; }
}

/* =============================================
   RESPONSIVE
   ============================================= */

@media (max-width: 900px) {
    .hero-banner {
        grid-template-columns: 1fr;
        padding: 60px 0;
        gap: 48px;
        text-align: center;
    }
    .hero-main-title { font-size: 44px; letter-spacing: -1.5px; }
    .hero-description { max-width: 100%; }
    .hero-buttons { justify-content: center; }
    .hero-visual { order: -1; }
    .hero-visual img { max-width: 100%; height: 260px; }
}

@media (max-width: 700px) {
    .header {
        flex-direction: column;
        height: auto;
        padding: 14px 16px;
        gap: 12px;
    }
    .centertabs { justify-content: center; }
    .other_tabs1 { flex-wrap: wrap; justify-content: center; gap: 6px; }
    .mission-section,
    .features-section { padding: 60px 20px; }
    .mission-card { padding: 36px 28px; }
    .hero-main-title { font-size: 34px; letter-spacing: -1px; }
}

@media (max-width: 480px) {
    .btn-hero { padding: 10px 16px; font-size: 12.5px; }
    .section-heading { font-size: 28px; }
}

/* =============================================
   LEGACY / SHARED STYLES (used by sub-pages)
   ============================================= */

.upload {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-top: 20px;
}

.section-title {
    color: var(--navy-mid);
    font-size: 28px;
    margin-top: 40px;
    margin-bottom: 16px;
    padding-bottom: 8px;
    border-bottom: 2px solid rgba(0, 31, 63, 0.25);
    font-weight: 700;
}

#introduction {
    color: var(--navy);
    font-size: 17px;
    margin: 30px auto;
    text-align: center;
    max-width: 800px;
    line-height: 1.75;
    background: rgba(245, 128, 37, 0.07);
    border-radius: var(--radius-md);
    padding: 28px 32px;
    box-shadow: var(--shadow-sm);
    border: 1px solid rgba(245, 128, 37, 0.2);
}

.hero {
    margin-top: 16px;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 20px;
    align-items: center;
}

.hero-grid img {
    width: 100%;
    height: auto;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-md);
}

@media (max-width: 800px) {
    .hero-grid { grid-template-columns: 1fr; }
}

/* =============================================
   SUB-PAGE STYLES (Banks, Groceries, School,
   Utilities, Work)
   ============================================= */

/* --- Page Hero (compact, for sub-pages) --- */
.page-hero {
    padding: 52px 0 44px;
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    align-items: center;
    animation: fadeInUp 0.6s ease-out both;
}

.sub-hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(245, 128, 37, 0.1);
    color: var(--orange);
    border: 1px solid rgba(245, 128, 37, 0.3);
    padding: 6px 18px;
    border-radius: 30px;
    font-size: 12px;
    font-weight: 700;
    margin-bottom: 18px;
    letter-spacing: 0.6px;
    text-transform: uppercase;
}

.sub-hero-title {
    font-size: 44px;
    font-weight: 800;
    line-height: 1.08;
    letter-spacing: -2px;
    margin-bottom: 14px;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.sub-hero-tagline {
    font-size: 17px;
    color: var(--gray-700);
    font-weight: 500;
    margin-bottom: 12px;
}

.sub-hero-desc {
    font-size: 14.5px;
    line-height: 1.8;
    color: var(--gray-500);
    max-width: 500px;
}

.sub-hero-img {
    width: 100%;
    max-width: 420px;
    height: 300px;
    object-fit: cover;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    border: 3px solid rgba(245, 128, 37, 0.25);
    transition: transform 0.35s ease;
}

.sub-hero-img:hover { transform: scale(1.03) rotate(0.5deg); }

/* --- Stats Bar --- */
.stats-bar {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
    margin-bottom: 36px;
}

.stat-card {
    background: white;
    border-radius: var(--radius-md);
    padding: 26px 22px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
    position: relative;
    overflow: hidden;
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.stat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.stat-card::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 4px;
}

.stat-card.navy::after   { background: linear-gradient(90deg, var(--navy), var(--navy-mid)); }
.stat-card.green::after  { background: linear-gradient(90deg, #059669, #10B981); }
.stat-card.orange::after { background: linear-gradient(90deg, var(--orange), var(--orange-light)); }
.stat-card.purple::after { background: linear-gradient(90deg, #7C3AED, #A78BFA); }
.stat-card.blue::after   { background: linear-gradient(90deg, #0284C7, #38BDF8); }
.stat-card.teal::after   { background: linear-gradient(90deg, #0F766E, #14B8A6); }
.stat-card.red::after    { background: linear-gradient(90deg, #DC2626, #EF4444); }

.stat-icon {
    font-size: 30px;
    position: absolute;
    top: 18px; right: 18px;
    opacity: 0.14; line-height: 1;
}

.stat-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--gray-500);
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 10px;
}

.stat-value {
    font-size: 30px;
    font-weight: 800;
    color: var(--text-dark);
    line-height: 1.1;
    letter-spacing: -1px;
}

.stat-sub { font-size: 12px; color: var(--gray-500); margin-top: 6px; }

/* --- Content Card --- */
.content-card {
    background: white;
    border-radius: var(--radius-md);
    padding: 28px 28px 20px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
    margin-bottom: 24px;
}

.content-card-title {
    font-size: 16px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 18px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--gray-100);
    display: flex;
    align-items: center;
    gap: 8px;
}

/* --- Progress Bar --- */
.progress-wrap {
    background: var(--gray-100);
    border-radius: 50px;
    height: 7px;
    overflow: hidden;
}

.progress-bar {
    height: 100%;
    border-radius: 50px;
    background: linear-gradient(90deg, var(--orange), var(--orange-light));
    transition: width 0.8s ease;
}

.progress-bar.green  { background: linear-gradient(90deg, #059669, #10B981); }
.progress-bar.red    { background: linear-gradient(90deg, #DC2626, #EF4444); }
.progress-bar.purple { background: linear-gradient(90deg, #7C3AED, #A78BFA); }
.progress-bar.blue   { background: linear-gradient(90deg, #0284C7, #38BDF8); }
.progress-bar.teal   { background: linear-gradient(90deg, #0F766E, #14B8A6); }

/* --- List Items --- */
.list-item {
    display: flex;
    align-items: center;
    padding: 12px 0;
    border-bottom: 1px solid var(--gray-100);
    gap: 14px;
}

.list-item:last-child { border-bottom: none; }

.list-icon {
    width: 42px; height: 42px;
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 18px; flex-shrink: 0;
}

.list-icon.orange { background: rgba(245, 128, 37, 0.12); }
.list-icon.green  { background: rgba(5, 150, 105, 0.1); }
.list-icon.blue   { background: rgba(59, 130, 246, 0.1); }
.list-icon.purple { background: rgba(124, 58, 237, 0.1); }
.list-icon.red    { background: rgba(220, 38, 38, 0.1); }
.list-icon.gray   { background: var(--gray-100); }
.list-icon.teal   { background: rgba(20, 184, 166, 0.1); }

.list-info { flex: 1; min-width: 0; }
.list-name { font-size: 14.5px; font-weight: 600; color: var(--text-dark); }
.list-sub  { font-size: 12px; color: var(--gray-500); margin-top: 2px; }

.list-amount          { font-size: 15px; font-weight: 700; color: var(--text-dark); text-align: right; white-space: nowrap; }
.list-amount.positive { color: #059669; }
.list-amount.negative { color: #DC2626; }

/* --- Status Badges --- */
.badge {
    display: inline-block;
    padding: 3px 10px;
    border-radius: 20px;
    font-size: 10.5px;
    font-weight: 700;
    letter-spacing: 0.4px;
    text-transform: uppercase;
}

.badge-green  { background: rgba(5, 150, 105, 0.1);   color: #047857; }
.badge-orange { background: rgba(245, 128, 37, 0.12); color: #C2410C; }
.badge-red    { background: rgba(220, 38, 38, 0.1);   color: #B91C1C; }
.badge-blue   { background: rgba(59, 130, 246, 0.1);  color: #1D4ED8; }
.badge-gray   { background: var(--gray-100);           color: var(--gray-700); }
.badge-purple { background: rgba(124, 58, 237, 0.1);  color: #6D28D9; }

/* --- Two-Column Layout --- */
.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 24px;
}

/* --- Section Subheader --- */
.section-sub {
    font-size: 18px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.section-sub a, .section-sub span {
    font-size: 13px;
    font-weight: 500;
    color: var(--orange);
    cursor: pointer;
    text-decoration: none;
    transition: opacity 0.2s;
}

.section-sub a:hover, .section-sub span:hover { opacity: 0.75; }

/* --- Category Budget Rows --- */
.cat-row { margin-bottom: 18px; }

.cat-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 7px;
}

.cat-name    { font-size: 14px; font-weight: 600; color: var(--text-dark); }
.cat-amounts { font-size: 12.5px; color: var(--gray-500); }

/* --- Account Cards (Banking) --- */
.accounts-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(255px, 1fr));
    gap: 18px;
    margin-bottom: 28px;
}

.account-card {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
    border-radius: var(--radius-lg);
    padding: 26px 28px;
    color: white;
    position: relative;
    overflow: hidden;
    min-height: 155px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: 0 8px 28px rgba(0,31,63,0.32);
    transition: transform 0.25s ease, box-shadow 0.25s ease;
    cursor: pointer;
}

.account-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 18px 48px rgba(0,31,63,0.42);
}

.account-card::before {
    content: '';
    position: absolute;
    top: -40px; right: -40px;
    width: 160px; height: 160px;
    background: rgba(255,255,255,0.05);
    border-radius: 50%;
}

.account-bank          { font-size: 11px; font-weight: 600; opacity: 0.6; text-transform: uppercase; letter-spacing: 1px; }
.account-name          { font-size: 15px; font-weight: 700; margin-top: 3px; }
.account-number        { font-size: 12px; opacity: 0.5; font-family: 'Courier New', monospace; margin-top: 6px; }
.account-balance-label { font-size: 10px; opacity: 0.55; text-transform: uppercase; letter-spacing: 0.6px; }
.account-balance       { font-size: 30px; font-weight: 800; letter-spacing: -1px; margin-top: 3px; }

/* --- Quick Actions --- */
.quick-actions {
    display: flex;
    gap: 10px;
    margin-bottom: 32px;
    flex-wrap: wrap;
}

.action-btn {
    display: flex;
    align-items: center;
    gap: 7px;
    padding: 11px 18px;
    border: 1.5px solid var(--gray-200);
    border-radius: var(--radius-md);
    background: white;
    cursor: pointer;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--gray-700);
    transition: all 0.2s ease;
    font-family: 'Inter', sans-serif;
    box-shadow: var(--shadow-sm);
}

.action-btn:hover {
    border-color: var(--orange);
    color: var(--orange);
    background: rgba(245, 128, 37, 0.04);
    transform: translateY(-2px);
    box-shadow: 0 4px 16px rgba(245, 128, 37, 0.15);
}

/* --- Shopping List (Groceries) --- */
.check-item {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid var(--gray-100);
}

.check-item:last-child { border-bottom: none; }

.check-item input[type="checkbox"] {
    width: 17px; height: 17px;
    accent-color: var(--orange);
    cursor: pointer; flex-shrink: 0;
}

.check-label {
    flex: 1;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-dark);
    display: flex;
    align-items: center;
    justify-content: space-between;
    cursor: pointer;
}

.check-done .check-label { text-decoration: line-through; color: var(--gray-400); }

.check-qty {
    font-size: 11px;
    color: var(--gray-500);
    background: var(--gray-100);
    padding: 2px 8px;
    border-radius: 12px;
    margin-left: 8px;
}

.check-price {
    font-size: 13px;
    font-weight: 600;
    color: var(--gray-700);
    width: 58px;
    text-align: right;
}

/* --- Bill Cards (Utilities) --- */
.bill-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 18px;
    margin-bottom: 28px;
}

.bill-card {
    background: white;
    border-radius: var(--radius-md);
    padding: 22px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
    transition: all 0.25s ease;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.bill-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: rgba(245, 128, 37, 0.3);
}

.bill-header       { display: flex; align-items: center; gap: 12px; }
.bill-icon         { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 22px; background: rgba(245, 128, 37, 0.1); flex-shrink: 0; }
.bill-name         { font-size: 15px; font-weight: 700; color: var(--text-dark); }
.bill-provider     { font-size: 12px; color: var(--gray-500); margin-top: 2px; }
.bill-amount       { font-size: 28px; font-weight: 800; color: var(--text-dark); letter-spacing: -0.5px; }
.bill-due          { font-size: 12px; color: var(--gray-500); }
.bill-footer       { display: flex; align-items: center; justify-content: space-between; padding-top: 8px; border-top: 1px solid var(--gray-100); }

/* --- Toggle Switch --- */
.toggle-wrap { display: flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 500; color: var(--gray-500); }
.toggle      { position: relative; width: 38px; height: 21px; flex-shrink: 0; }
.toggle input { position: absolute; opacity: 0; width: 0; height: 0; }

.toggle-slider {
    position: absolute; inset: 0;
    background: var(--gray-200);
    border-radius: 50px;
    cursor: pointer;
    transition: background 0.25s;
}

.toggle-slider::before {
    content: '';
    position: absolute;
    width: 15px; height: 15px;
    background: white; border-radius: 50%;
    top: 3px; left: 3px;
    transition: transform 0.25s;
    box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}

.toggle input:checked + .toggle-slider                { background: #059669; }
.toggle input:checked + .toggle-slider::before        { transform: translateX(17px); }

/* --- Income Card (Work) --- */
.income-card {
    background: linear-gradient(135deg, #064E3B 0%, #065F46 60%, #047857 100%);
    color: white;
    border-radius: var(--radius-lg);
    padding: 32px 36px;
    margin-bottom: 24px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(6, 78, 59, 0.38);
}

.income-card::before {
    content: '';
    position: absolute; top: -50px; right: -50px;
    width: 220px; height: 220px;
    background: rgba(255,255,255,0.06); border-radius: 50%;
}

.income-label  { font-size: 11px; font-weight: 600; opacity: 0.65; text-transform: uppercase; letter-spacing: 1px; }
.income-amount { font-size: 54px; font-weight: 800; letter-spacing: -3px; margin: 10px 0 4px; line-height: 1; }
.income-period { font-size: 14px; opacity: 0.7; }
.income-row    { display: flex; gap: 32px; margin-top: 24px; flex-wrap: wrap; }
.income-item   { display: flex; flex-direction: column; gap: 4px; }
.income-item strong { font-size: 20px; font-weight: 700; letter-spacing: -0.5px; }

/* --- Education Savings Card (School) --- */
.savings-goal {
    background: linear-gradient(135deg, #1E1B4B 0%, #3730A3 50%, #4C1D95 100%);
    color: white;
    border-radius: var(--radius-lg);
    padding: 32px 36px;
    margin-bottom: 24px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 8px 32px rgba(30, 27, 75, 0.38);
}

.savings-goal::before {
    content: '';
    position: absolute; top: -40px; right: -40px;
    width: 200px; height: 200px;
    background: rgba(255,255,255,0.06); border-radius: 50%;
}

.savings-title         { font-size: 11px; font-weight: 600; opacity: 0.65; text-transform: uppercase; letter-spacing: 1px; }
.savings-amount        { font-size: 50px; font-weight: 800; letter-spacing: -2.5px; margin: 10px 0 4px; line-height: 1; }
.savings-sub           { font-size: 14px; opacity: 0.7; }
.savings-progress-wrap { background: rgba(255,255,255,0.15); border-radius: 50px; height: 10px; margin-top: 20px; overflow: hidden; }
.savings-fill          { height: 100%; background: linear-gradient(90deg, #A78BFA, #C4B5FD); border-radius: 50px; transition: width 1s ease; }
.savings-meta          { display: flex; justify-content: space-between; margin-top: 10px; font-size: 13px; opacity: 0.75; }

/* --- Payment Timeline (School) --- */
.timeline-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 14px 0;
    border-bottom: 1px solid var(--gray-100);
}

.timeline-item:last-child { border-bottom: none; }

.timeline-dot {
    width: 10px; height: 10px;
    border-radius: 50%;
    margin-top: 5px;
    flex-shrink: 0;
}

.timeline-dot.red    { background: #EF4444; box-shadow: 0 0 0 3px rgba(239,68,68,0.2); }
.timeline-dot.orange { background: var(--orange); box-shadow: 0 0 0 3px rgba(245,128,37,0.2); }
.timeline-dot.blue   { background: #3B82F6; box-shadow: 0 0 0 3px rgba(59,130,246,0.2); }
.timeline-dot.gray   { background: var(--gray-400); }

.timeline-info { flex: 1; }
.timeline-name { font-size: 14.5px; font-weight: 600; color: var(--text-dark); }
.timeline-date { font-size: 12px; color: var(--gray-500); margin-top: 2px; }
.timeline-amount { font-size: 16px; font-weight: 700; color: var(--text-dark); }

/* --- Responsive --- */
@media (max-width: 900px) {
    .page-hero { grid-template-columns: 1fr; padding: 40px 0 32px; gap: 32px; }
    .sub-hero-title { font-size: 34px; letter-spacing: -1.5px; }
    .sub-hero-img { max-width: 100%; height: 230px; }
    .stats-bar { grid-template-columns: repeat(2, 1fr); }
    .two-col { grid-template-columns: 1fr; }
    .accounts-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
    .stats-bar { grid-template-columns: 1fr 1fr; }
    .stat-value { font-size: 24px; }
    .accounts-grid { grid-template-columns: 1fr; }
    .bill-grid { grid-template-columns: 1fr; }
    .income-amount { font-size: 40px; }
    .savings-amount { font-size: 36px; }
    .income-row { gap: 20px; }
}

/* =============================================
   PERSONALIZED GREETING BAR
   ============================================= */

.personalized-greeting {
    display: flex;
    align-items: center;
    gap: 12px;
    background: linear-gradient(135deg, rgba(245,128,37,0.08) 0%, rgba(245,128,37,0.03) 100%);
    border: 1px solid rgba(245,128,37,0.22);
    border-radius: var(--radius-md);
    padding: 13px 20px;
    margin-bottom: 24px;
    font-size: 14px;
    color: var(--gray-700);
    animation: fadeInUp 0.5s ease-out both;
}

.greeting-wave { font-size: 18px; }

#greeting-text { flex: 1; font-weight: 500; }

#greeting-action {
    font-size: 13px;
    font-weight: 700;
    color: var(--orange);
    text-decoration: none;
    padding: 5px 14px;
    border-radius: 20px;
    background: rgba(245,128,37,0.1);
    transition: all 0.2s;
    white-space: nowrap;
}

#greeting-action:hover {
    background: var(--orange);
    color: white;
}

/* =============================================
   BEHAVIOR TRACKER — TAB VISIT BADGES
   ============================================= */

.tab {
    position: relative; /* ensure ::after positions relative to tab */
}

.tab[data-visits]::after {
    content: attr(data-visits);
    position: absolute;
    top: -5px;
    right: -5px;
    background: var(--orange);
    color: white;
    font-size: 9px;
    font-weight: 800;
    line-height: 1;
    padding: 2px 5px;
    border-radius: 10px;
    min-width: 16px;
    text-align: center;
    pointer-events: none;
}

/* =============================================
   AI CHAT WIDGET
   ============================================= */

/* --- Floating Action Button --- */
.chat-fab {
    position: fixed;
    bottom: 28px;
    right: 28px;
    background: linear-gradient(135deg, var(--orange) 0%, var(--orange-light) 100%);
    color: white;
    border: none;
    border-radius: 28px;
    padding: 13px 22px;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 700;
    font-family: 'Inter', sans-serif;
    box-shadow: 0 8px 28px rgba(245, 128, 37, 0.48);
    transition: all 0.3s cubic-bezier(0.34, 1.56, 0.64, 1);
    z-index: 1000;
    letter-spacing: 0.2px;
}

.chat-fab:hover {
    transform: translateY(-4px) scale(1.04);
    box-shadow: 0 14px 40px rgba(245, 128, 37, 0.55);
}

.chat-fab-icon { font-size: 17px; }
.chat-fab-label { white-space: nowrap; }

/* --- Chat Panel --- */
.chat-panel {
    position: fixed;
    bottom: 88px;
    right: 28px;
    width: 390px;
    height: 530px;
    background: white;
    border-radius: 22px;
    box-shadow: 0 24px 64px rgba(0, 0, 0, 0.2), 0 8px 24px rgba(0, 31, 63, 0.12);
    display: flex;
    flex-direction: column;
    z-index: 999;
    overflow: hidden;
    transform: scale(0.88) translateY(24px);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1),
                opacity 0.25s ease;
    transform-origin: bottom right;
}

.chat-panel.open {
    transform: scale(1) translateY(0);
    opacity: 1;
    pointer-events: all;
}

/* --- Panel Header --- */
.chat-panel-header {
    background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
    padding: 16px 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-shrink: 0;
    border-bottom: 2px solid var(--orange);
}

.chat-panel-title {
    display: flex;
    align-items: center;
    gap: 12px;
}

.chat-bot-avatar {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.12);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    flex-shrink: 0;
    border: 1.5px solid rgba(255, 255, 255, 0.15);
}

.chat-panel-name {
    font-size: 15px;
    font-weight: 700;
    color: white;
    letter-spacing: 0.1px;
}

.chat-panel-status {
    font-size: 11px;
    color: rgba(255, 255, 255, 0.65);
    margin-top: 2px;
    font-weight: 500;
}

.chat-header-actions {
    display: flex;
    align-items: center;
    gap: 6px;
}

.chat-clear-btn,
.chat-close-btn {
    background: rgba(255, 255, 255, 0.1);
    border: none;
    color: rgba(255, 255, 255, 0.8);
    cursor: pointer;
    width: 30px;
    height: 30px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    transition: background 0.2s;
}

.chat-clear-btn:hover,
.chat-close-btn:hover {
    background: rgba(255, 255, 255, 0.22);
    color: white;
}

/* --- Messages Area --- */
.chat-messages {
    flex: 1;
    overflow-y: auto;
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    scroll-behavior: smooth;
}

.chat-messages::-webkit-scrollbar { width: 4px; }
.chat-messages::-webkit-scrollbar-thumb { background: var(--gray-200); border-radius: 4px; }

/* --- Chat Bubbles --- */
.chat-bubble {
    display: flex;
    align-items: flex-end;
    gap: 8px;
    max-width: 90%;
    animation: fadeInUp 0.25s ease-out both;
}

.chat-bubble.ai  { align-self: flex-start; }
.chat-bubble.user { align-self: flex-end; flex-direction: row-reverse; }

.chat-avatar {
    width: 28px;
    height: 28px;
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    flex-shrink: 0;
}

.chat-bubble.ai  .chat-avatar { background: rgba(0, 31, 63, 0.08); }
.chat-bubble.user .chat-avatar { background: rgba(245, 128, 37, 0.1); }

.chat-content { display: flex; flex-direction: column; gap: 3px; }

.chat-text {
    padding: 10px 14px;
    border-radius: 16px;
    font-size: 13.5px;
    line-height: 1.55;
    word-break: break-word;
}

.chat-bubble.ai  .chat-text {
    background: var(--gray-50);
    color: var(--text-dark);
    border: 1px solid var(--gray-200);
    border-bottom-left-radius: 4px;
}

.chat-bubble.user .chat-text {
    background: linear-gradient(135deg, var(--orange), var(--orange-light));
    color: white;
    border-bottom-right-radius: 4px;
}

.chat-time {
    font-size: 10px;
    color: var(--gray-400);
    padding: 0 4px;
}

.chat-bubble.user .chat-time { text-align: right; }

/* --- Typing Indicator --- */
.chat-typing {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 8px 16px;
    flex-shrink: 0;
}

.chat-typing-bubble {
    display: flex;
    gap: 4px;
    align-items: center;
    background: var(--gray-100);
    padding: 8px 12px;
    border-radius: 12px;
}

.chat-typing-bubble span {
    display: block;
    width: 7px;
    height: 7px;
    background: var(--gray-400);
    border-radius: 50%;
    animation: typingBounce 1.2s infinite ease-in-out;
}

.chat-typing-bubble span:nth-child(2) { animation-delay: 0.2s; }
.chat-typing-bubble span:nth-child(3) { animation-delay: 0.4s; }

@keyframes typingBounce {
    0%, 60%, 100% { transform: translateY(0); }
    30% { transform: translateY(-6px); }
}

.chat-typing-label {
    font-size: 11px;
    color: var(--gray-500);
    font-style: italic;
}

/* --- Suggested Prompts --- */
.chat-suggestions {
    display: flex;
    gap: 6px;
    padding: 8px 12px 4px;
    flex-wrap: wrap;
    border-top: 1px solid var(--gray-100);
    flex-shrink: 0;
}

.chat-chip {
    background: var(--gray-50);
    border: 1px solid var(--gray-200);
    color: var(--gray-700);
    border-radius: 16px;
    padding: 5px 11px;
    font-size: 11.5px;
    font-weight: 500;
    cursor: pointer;
    transition: all 0.18s;
    font-family: 'Inter', sans-serif;
    white-space: nowrap;
}

.chat-chip:hover {
    background: rgba(245, 128, 37, 0.08);
    border-color: rgba(245, 128, 37, 0.3);
    color: var(--orange);
}

/* --- Input Row --- */
.chat-input-row {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 10px 14px 14px;
    border-top: 1px solid var(--gray-100);
    flex-shrink: 0;
}

.chat-input {
    flex: 1;
    border: 1.5px solid var(--gray-200);
    border-radius: 22px;
    padding: 10px 16px;
    font-size: 13.5px;
    font-family: 'Inter', sans-serif;
    color: var(--text-dark);
    background: var(--gray-50);
    outline: none;
    transition: border-color 0.2s, box-shadow 0.2s;
}

.chat-input:focus {
    border-color: var(--orange);
    box-shadow: 0 0 0 3px rgba(245, 128, 37, 0.12);
    background: white;
}

.chat-input::placeholder { color: var(--gray-400); }

.chat-send-btn {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--orange), var(--orange-light));
    border: none;
    color: white;
    font-size: 15px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: transform 0.2s, box-shadow 0.2s;
    box-shadow: 0 4px 12px rgba(245, 128, 37, 0.35);
}

.chat-send-btn:hover:not(:disabled) {
    transform: scale(1.1);
    box-shadow: 0 6px 18px rgba(245, 128, 37, 0.45);
}

.chat-send-btn:disabled {
    opacity: 0.5;
    cursor: not-allowed;
    transform: none;
}

/* --- Responsive Chat --- */
@media (max-width: 480px) {
    .chat-panel {
        width: 100vw;
        right: 0;
        bottom: 0;
        border-radius: 20px 20px 0 0;
        height: 75vh;
    }
    .chat-fab {
        right: 16px;
        bottom: 16px;
    }
    .chat-fab-label { display: none; }
    .chat-fab { border-radius: 50%; width: 52px; height: 52px; padding: 0; justify-content: center; }
}