/* =====================
   UBANK-STYLE THEME
   ===================== */

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  --primary: #1a1a2e;
  --accent: #00c2a8;
  --accent-dark: #00a08a;
  --text: #1a1a2e;
  --text-light: #6b7280;
  --bg: #ffffff;
  --bg-light: #f7f9fc;
  --border: #e5e7eb;
  --white: #ffffff;
  --radius: 12px;
  --shadow: 0 4px 24px rgba(0,0,0,0.08);
}

body {
  font-family: 'Segoe UI', system-ui, -apple-system, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}

/* ---- NAV ---- */
nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 5%;
  height: 70px;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-logo {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  text-decoration: none;
  letter-spacing: -1px;
}

.nav-logo span {
  color: var(--accent);
}

.nav-links {
  display: flex;
  gap: 2rem;
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  color: var(--text-light);
  font-size: 0.95rem;
  font-weight: 500;
  transition: color 0.2s;
}

.nav-links a:hover {
  color: var(--accent);
}

.nav-actions {
  display: flex;
  gap: 1rem;
  align-items: center;
}

/* ---- BUTTONS ---- */
.btn {
  display: inline-block;
  padding: 0.6rem 1.4rem;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  text-decoration: none;
  transition: all 0.2s;
  border: none;
}

.btn-primary {
  background: var(--accent);
  color: var(--white);
}

.btn-primary:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  border: 2px solid var(--primary);
  color: var(--primary);
}

.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
}

.btn-lg {
  padding: 0.9rem 2.2rem;
  font-size: 1.05rem;
}

/* ---- HERO ---- */
.hero {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 80px 5%;
  background: var(--primary);
  color: var(--white);
  gap: 2rem;
  min-height: 520px;
}

.hero-content {
  max-width: 560px;
}

.hero-tag {
  display: inline-block;
  background: rgba(0,194,168,0.2);
  color: var(--accent);
  padding: 0.3rem 1rem;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.2rem;
}

.hero h1 {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 1.2rem;
  letter-spacing: -1px;
}

.hero h1 span {
  color: var(--accent);
}

.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 2rem;
  max-width: 460px;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-image {
  flex-shrink: 0;
}

.hero-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 20px;
  padding: 2rem;
  width: 300px;
  backdrop-filter: blur(10px);
}

.hero-card .balance-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.hero-card .balance-amount {
  font-size: 2.4rem;
  font-weight: 800;
  margin: 0.3rem 0 1.2rem;
}

.hero-card .account-pill {
  display: inline-block;
  background: var(--accent);
  color: white;
  padding: 0.3rem 0.9rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  margin-right: 0.4rem;
  margin-bottom: 0.4rem;
}

.hero-card .account-pill.save {
  background: #6366f1;
}

.hero-card .account-pill.bills {
  background: #f59e0b;
}

/* ---- SECTIONS ---- */
section {
  padding: 80px 5%;
}

.section-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 0.8rem;
}

.section-title {
  font-size: 2.2rem;
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 1rem;
}

.section-subtitle {
  color: var(--text-light);
  font-size: 1.05rem;
  max-width: 520px;
  margin-bottom: 3rem;
}

/* ---- CARDS ---- */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.card {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 2rem;
  transition: box-shadow 0.2s, transform 0.2s;
}

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

.card-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.2rem;
}

.card-icon.teal   { background: rgba(0,194,168,0.12); }
.card-icon.purple { background: rgba(99,102,241,0.12); }
.card-icon.amber  { background: rgba(245,158,11,0.12); }
.card-icon.rose   { background: rgba(244,63,94,0.12); }

.card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
}

.card p {
  font-size: 0.93rem;
  color: var(--text-light);
  line-height: 1.5;
}

.card a {
  display: inline-block;
  margin-top: 1rem;
  color: var(--accent);
  font-weight: 600;
  font-size: 0.9rem;
  text-decoration: none;
}

.card a:hover { text-decoration: underline; }

/* ---- FEATURES STRIP ---- */
.features-strip {
  background: var(--bg-light);
}

.features-list {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 0.6rem 1.2rem;
  font-size: 0.9rem;
  font-weight: 500;
}

.feature-item .check {
  color: var(--accent);
  font-weight: 700;
}

/* ---- RATES SECTION ---- */
.rates-section {
  background: var(--primary);
  color: var(--white);
  text-align: center;
}

.rates-section .section-title {
  color: var(--white);
}

.rates-section .section-subtitle {
  color: rgba(255,255,255,0.65);
  margin-left: auto;
  margin-right: auto;
}

.rate-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius);
  padding: 2.5rem 2rem;
  max-width: 380px;
  margin: 0 auto;
}

.rate-number {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
}

.rate-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.5rem;
}

/* ---- STEPS ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  counter-reset: steps;
}

.step {
  position: relative;
  padding-left: 1rem;
}

.step-num {
  font-size: 3rem;
  font-weight: 900;
  color: rgba(0,194,168,0.15);
  line-height: 1;
  margin-bottom: 0.5rem;
}

.step h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.step p {
  font-size: 0.9rem;
  color: var(--text-light);
}

/* ---- CTA BANNER ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--accent) 0%, #00a08a 100%);
  color: var(--white);
  text-align: center;
  padding: 80px 5%;
}

.cta-banner h2 {
  font-size: 2.4rem;
  font-weight: 800;
  margin-bottom: 1rem;
}

.cta-banner p {
  font-size: 1.05rem;
  opacity: 0.85;
  margin-bottom: 2rem;
}

.cta-banner .btn-white {
  background: white;
  color: var(--accent-dark);
  font-weight: 700;
}

/* ---- FOOTER ---- */
footer {
  background: var(--primary);
  color: rgba(255,255,255,0.7);
  padding: 60px 5% 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-logo {
  font-size: 1.6rem;
  font-weight: 800;
  color: white;
  letter-spacing: -1px;
  margin-bottom: 1rem;
  display: block;
  text-decoration: none;
}

.footer-logo span { color: var(--accent); }

.footer-desc {
  font-size: 0.9rem;
  line-height: 1.7;
  max-width: 260px;
}

.footer-col h4 {
  font-size: 0.85rem;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 1rem;
}

.footer-col ul {
  list-style: none;
}

.footer-col ul li {
  margin-bottom: 0.6rem;
}

.footer-col ul li a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  font-size: 0.9rem;
  transition: color 0.2s;
}

.footer-col ul li a:hover { color: var(--accent); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  font-size: 0.82rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}

/* ---- FORM STYLES ---- */
.form-page {
  min-height: 100vh;
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
}

.form-card {
  background: var(--white);
  border-radius: 20px;
  padding: 3rem;
  width: 100%;
  max-width: 480px;
  box-shadow: var(--shadow);
}

.form-card h2 {
  font-size: 1.8rem;
  font-weight: 800;
  margin-bottom: 0.4rem;
}

.form-card .subtitle {
  color: var(--text-light);
  font-size: 0.95rem;
  margin-bottom: 2rem;
}

.form-group {
  margin-bottom: 1.3rem;
}

.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 0.4rem;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.95rem;
  transition: border-color 0.2s;
  outline: none;
  color: var(--text);
  background: var(--white);
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--accent);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-submit {
  width: 100%;
  padding: 0.9rem;
  background: var(--accent);
  color: white;
  border: none;
  border-radius: 50px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background 0.2s, transform 0.2s;
  margin-top: 0.5rem;
}

.form-submit:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
}

.form-footer-text {
  text-align: center;
  font-size: 0.88rem;
  color: var(--text-light);
  margin-top: 1.2rem;
}

.form-footer-text a {
  color: var(--accent);
  font-weight: 600;
  text-decoration: none;
}

/* ---- STEP INDICATOR ---- */
.step-indicator {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 2rem;
}

.step-dot {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.82rem;
  font-weight: 700;
  border: 2px solid var(--border);
  color: var(--text-light);
  background: white;
  flex-shrink: 0;
}

.step-dot.active {
  background: var(--accent);
  border-color: var(--accent);
  color: white;
}

.step-dot.done {
  background: var(--primary);
  border-color: var(--primary);
  color: white;
}

.step-line {
  flex: 1;
  height: 2px;
  background: var(--border);
}

.step-line.done {
  background: var(--accent);
}

/* ---- ACCOUNT TYPE SELECTOR ---- */
.account-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.account-option {
  border: 2px solid var(--border);
  border-radius: var(--radius);
  padding: 1.2rem;
  cursor: pointer;
  transition: all 0.2s;
  text-align: center;
}

.account-option:hover {
  border-color: var(--accent);
}

.account-option.selected {
  border-color: var(--accent);
  background: rgba(0,194,168,0.06);
}

.account-option .icon {
  font-size: 1.8rem;
  margin-bottom: 0.5rem;
}

.account-option h4 {
  font-size: 0.9rem;
  font-weight: 700;
}

.account-option p {
  font-size: 0.78rem;
  color: var(--text-light);
  margin-top: 0.2rem;
}

/* ---- SUCCESS ---- */
.success-icon {
  width: 70px;
  height: 70px;
  background: rgba(0,194,168,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 1.5rem;
}

/* ---- RESPONSIVE ---- */
@media (max-width: 768px) {
  .hero {
    flex-direction: column;
    padding: 50px 5%;
    text-align: center;
  }

  .hero h1 { font-size: 2.2rem; }

  .hero-actions { justify-content: center; }

  .hero-card { width: 100%; }

  .nav-links { display: none; }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .account-options {
    grid-template-columns: 1fr;
  }
}