.topbar{background:linear-gradient(135deg,var(--ghana-green),#004d2e);padding:calc(var(--safe-top) + 14px) 16px 14px;border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:100}.topbar-stripe{height:5px;background:repeating-linear-gradient(90deg,var(--ghana-red) 0,var(--ghana-red) 33.33%,var(--gold) 33.33%,var(--gold) 66.66%,var(--ghana-green) 66.66%,var(--ghana-green) 100%);margin:-14px -16px 10px;position:relative;top:calc(-1*(var(--safe-top) + 14px))}.topbar-inner{display:flex;align-items:center;gap:12px}.topbar-icon{width:44px;height:44px;border-radius:50%;background:radial-gradient(circle at 35% 35%,var(--gold-light),var(--gold-dark));display:flex;align-items:center;justify-content:center;font-size:22px;border:2px solid var(--gold);flex-shrink:0;cursor:pointer;-webkit-tap-highlight-color:transparent;transition:transform .15s,box-shadow .15s}.topbar-icon:active{transform:scale(.9);box-shadow:0 0 16px #c9a84c99}.topbar-text h1{font-family:Playfair Display,serif;font-size:16px;font-weight:900;color:#fff;line-height:1.2}.topbar-text h1 span{color:var(--gold-light)}.topbar-text p{font-size:10px;color:#ffffff8c;letter-spacing:.6px;text-transform:uppercase;margin-top:2px}.topbar-user{margin-left:auto;display:flex;align-items:center;gap:8px}.user-avatar{width:38px;height:38px;border-radius:50%;background:#c9a84c40;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700;color:var(--gold-light);cursor:pointer;flex-shrink:0;position:relative;z-index:201;-webkit-tap-highlight-color:rgba(201,168,76,.3);transition:background .15s,transform .15s}.user-avatar:active{background:#c9a84c66;transform:scale(.93)}.ticker-wrap{background:var(--ghana-red);overflow:hidden;padding:8px 0;position:relative}.ticker-inner{display:flex;align-items:center;white-space:nowrap;will-change:transform}.ticker-inner span{font-size:11px;font-weight:500;color:#fff;padding:0 36px}.dot{color:var(--gold-light)}.ticker-label{position:absolute;left:0;top:0;bottom:0;background:var(--ghana-black);padding:0 12px;display:flex;align-items:center;z-index:2;font-size:9px;font-weight:700;color:var(--gold);letter-spacing:1.5px;text-transform:uppercase;border-right:2px solid var(--gold)}@keyframes tickerMove{0%{transform:translate(0)}to{transform:translate(-50%)}}.content{padding:16px 16px 24px;max-width:600px;margin:0 auto}.rate-card{background:#fff;border-radius:18px;padding:18px 20px;margin-bottom:20px;border:1px solid rgba(201,168,76,.2);position:relative;overflow:hidden}.rate-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green))}.rc-top{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-bottom:14px}.rc-top h2{font-family:Playfair Display,serif;font-size:16px;font-weight:700;color:#111}.badge{padding:5px 12px;border-radius:30px;font-size:10px;font-weight:700;letter-spacing:.3px}.badge-active{background:#e6f4ec;color:#006b3f;border:1px solid #a3d4b5}.badge-expired{background:#fdecea;color:var(--ghana-red);border:1px solid #f5b4b0}.badge-pending{background:#fff8e6;color:#8b6914;border:1px solid #f0d080}.bank-toggle{display:flex;gap:8px;margin-bottom:16px}.bank-btn{flex:1;padding:12px 10px;border-radius:10px;font-size:14px;font-weight:700;font-family:DM Sans,sans-serif;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:6px;transition:all .2s;background:#d0d8e8!important;border:2px solid #8899BB!important;color:#0a1a3a!important}.bank-btn.is-active.cal{background:#f5c200!important;border-color:#d4a800!important;color:#1a1200!important;box-shadow:0 3px 12px #f5c20066!important}.bank-btn.is-active.acc{background:#ff6b00!important;border-color:#d45800!important;color:#1a0800!important;box-shadow:0 3px 12px #ff6b0066!important}.bank-rate-panel{display:none}.bank-rate-panel.active{display:block}.rc-rate-row{display:flex;align-items:flex-end;gap:6px;margin-bottom:8px}.rc-big{font-family:DM Sans,sans-serif;font-size:44px;font-weight:700;line-height:1}.cal-color{color:#c9a200}.acc-color{color:#e05a00}.rc-unit{font-size:13px;color:#888;padding-bottom:6px}.rc-footer{font-size:11px;color:#888;display:flex;align-items:center;gap:5px}.section-title{font-family:Playfair Display,serif;font-size:18px;font-weight:700;color:#fff;margin-bottom:14px;display:flex;align-items:center;gap:10px}.section-title:after{content:"";flex:1;height:1px;background:linear-gradient(90deg,var(--gold),transparent)}.pricing-bank-toggle{display:flex;gap:8px;margin-bottom:14px}.pb-btn{flex:1;padding:12px 10px;border-radius:10px;font-size:14px;font-weight:700;font-family:DM Sans,sans-serif;cursor:pointer;text-align:center;transition:all .2s;background:#d0d8e8!important;border:2px solid #8899BB!important;color:#0a1a3a!important}.pb-btn.is-active.cal{background:#f5c200!important;border-color:#d4a800!important;color:#1a1200!important;box-shadow:0 3px 12px #f5c20066!important}.pb-btn.is-active.acc{background:#ff6b00!important;border-color:#d45800!important;color:#1a0800!important;box-shadow:0 3px 12px #ff6b0066!important}.pricing-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:24px}@media(max-width:360px){.pricing-grid{grid-template-columns:1fr}}.price-card{background:#fff;border-radius:14px;padding:14px;border:1px solid rgba(201,168,76,.12);position:relative;overflow:hidden}.price-card.featured{border:2px solid var(--gold);background:linear-gradient(160deg,#fffdf5,#fff9e6)}.price-card.featured:after{content:"★ TOP";position:absolute;top:8px;right:-18px;background:var(--gold);color:#fff;font-size:7px;font-weight:700;padding:3px 22px;letter-spacing:1px;transform:rotate(35deg)}.card-type{font-size:10px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:7px}.type-new{color:var(--ghana-green)}.type-renewal{color:#185fa5}.type-replace{color:var(--ghana-red)}.card-label{font-family:DM Sans,sans-serif;font-size:15px;font-weight:900;color:#0a1a3a;margin-bottom:10px;line-height:1.25;letter-spacing:-.2px}.divider{height:1px;background:#0000000f;margin:8px 0}.usd-price{font-size:10px;color:#aaa;margin-bottom:4px}.usd-price strong{font-size:15px;color:#666;font-weight:600}.ghs-label{font-size:8px;letter-spacing:1px;text-transform:uppercase;color:#bbb;margin-bottom:2px}.ghs-amount{font-family:DM Sans,sans-serif;font-size:20px;font-weight:700;line-height:1}.ghs-amount span{font-size:12px}.ghs-cal{color:#c9a200}.ghs-acc{color:#e05a00}.ghs-pending{font-size:11px;color:#ccc;font-style:italic}.card-lock{font-size:10px;color:#ccc;margin-top:6px}.notice-box{background:linear-gradient(135deg,#fff8e6,#fff3d4);border:1px solid var(--gold);border-left:4px solid var(--gold);border-radius:14px;padding:16px 18px;margin-bottom:24px;display:flex;gap:12px;align-items:flex-start}.notice-icon{font-size:22px;flex-shrink:0;margin-top:1px}.notice-text h3{font-family:Playfair Display,serif;font-size:14px;font-weight:700;color:var(--gold-dark);margin-bottom:4px}.notice-text p{font-size:12px;color:#5a4a1a;line-height:1.7}.req-section{background:#fff;border-radius:18px;overflow:hidden;margin-bottom:24px;border:1px solid rgba(201,168,76,.15)}.req-header{background:linear-gradient(135deg,var(--ghana-black),#1a2a1a);padding:16px 20px;border-bottom:3px solid var(--gold)}.req-header h2{font-family:Playfair Display,serif;font-size:16px;font-weight:700;color:#fff}.req-header p{font-size:11px;color:#ffffff73;margin-top:3px}.req-tabs{display:flex;gap:8px;padding:14px 16px;background:#2c2c2c;flex-wrap:wrap}.req-tab{padding:10px 14px;font-size:12px;font-weight:700;font-family:DM Sans,sans-serif;cursor:pointer;border-radius:8px;white-space:nowrap;transition:all .2s;background:#e8e0cc!important;border:2px solid #B8A870!important;color:#3a2e0a!important}.req-tab:active{transform:scale(.96)}.req-tab.is-active{background:#c9a84c!important;border-color:#8b6914!important;color:#1a1200!important;box-shadow:0 3px 12px #c9a84c66!important;transform:translateY(-1px)}.sub-tabs{display:flex;gap:8px;margin-bottom:16px;flex-wrap:wrap}.sub-tab{padding:9px 16px;font-size:12px;font-weight:700;font-family:DM Sans,sans-serif;cursor:pointer;border-radius:8px;transition:all .2s;white-space:nowrap;background:#f0f0f0!important;border:2px solid #ccc!important;color:#333!important}.sub-tab:active{transform:scale(.96)}.sub-tab.is-active{background:var(--ghana-green)!important;border-color:var(--ghana-green)!important;color:#fff!important;box-shadow:0 2px 10px #006b3f4d!important}.sub-panel{display:none}.sub-panel.active{display:block}.req-body{padding:18px 16px}.req-panel{display:none}.req-panel.active{display:block}.req-list{list-style:none}.req-list li{display:flex;align-items:flex-start;gap:10px;padding:11px 0;border-bottom:1px dashed #f0ece3;font-size:13px;color:#333;line-height:1.6}.req-list li:last-child{border-bottom:none}.req-bullet{width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0;margin-top:1px}.bull-green{background:#e6f4ec}.bull-blue{background:#e8f1fb}.bull-gold{background:#fff8e6}.bull-red{background:#fdecea}.tag{display:inline-block;font-size:9px;font-weight:700;letter-spacing:.8px;padding:2px 7px;border-radius:20px;margin-left:6px;vertical-align:middle}.tag-opt{background:#fff8e6;color:#8b6914;border:1px solid #f0d080}.tag-man{background:#fdecea;color:#a32d2d;border:1px solid #f5b4b0}.note-box{background:#f8f8f8;border-radius:10px;padding:12px 14px;margin-top:14px;border-left:3px solid var(--ghana-green);font-size:12px;color:#555;line-height:1.7}.note-box strong{color:var(--ghana-green)}.note-box.red{border-left-color:var(--ghana-red)}.note-box.red strong{color:var(--ghana-red)}.guarantor-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}.guarantor-card{border:1px solid #eee;border-radius:10px;padding:12px;text-align:center}.g-icon{font-size:24px;margin-bottom:6px}.guarantor-card h4{font-family:Playfair Display,serif;font-size:13px;font-weight:700;margin-bottom:4px}.guarantor-card p{font-size:11px;color:#666;line-height:1.5}.footer{text-align:center;padding:20px 16px 32px;color:#ffffff40;font-size:11px;letter-spacing:.4px}.footer strong{color:var(--gold)}.logout-bar{text-align:center;padding:0 16px 16px}.logout-btn-pub{background:none;border:1.5px solid rgba(255,255,255,.15);border-radius:10px;color:#fff6;font-size:13px;font-family:DM Sans,sans-serif;padding:10px 24px;cursor:pointer;transition:all .2s}.logout-btn-pub:hover{border-color:#ffffff4d;color:#ffffffb3}#retiredScreen{display:none;min-height:100vh;background:linear-gradient(160deg,#0d1117,#1a2a1a,#1a1a0d);align-items:center;justify-content:center;padding:32px 20px;flex-direction:column;text-align:center}#retiredScreen.active{display:flex}.ret-logo{width:80px;height:80px;border-radius:50%;background:radial-gradient(circle at 35% 35%,var(--gold-light),var(--gold-dark));display:flex;align-items:center;justify-content:center;font-size:34px;border:3px solid var(--gold);box-shadow:0 0 24px #c9a84c66;margin-bottom:24px}.ret-title{font-family:Playfair Display,serif;font-size:24px;font-weight:900;color:#fff;margin-bottom:10px;line-height:1.3}.ret-title span{color:var(--gold-light)}.ret-sub{font-size:14px;color:#ffffff8c;line-height:1.7;max-width:320px;margin-bottom:32px}.ret-card{background:#1e2d1e;border-radius:20px;padding:28px 24px;width:100%;max-width:380px;border:1.5px solid rgba(201,168,76,.3);position:relative;overflow:hidden}.ret-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green));border-radius:20px 20px 0 0}.ret-card-title{font-size:13px;font-weight:600;color:#ffffff80;letter-spacing:.8px;text-transform:uppercase;margin-bottom:16px}.store-btn{display:flex;align-items:center;gap:14px;width:100%;padding:14px 18px;border-radius:14px;border:none;cursor:pointer;font-family:DM Sans,sans-serif;font-weight:700;font-size:15px;transition:transform .15s,opacity .15s;margin-bottom:12px;text-decoration:none}.store-btn:last-child{margin-bottom:0}.store-btn:active{transform:scale(.97);opacity:.9}.store-btn.android{background:#f5c200;color:#1a1200}.store-btn.apple{background:#fff;color:#1a1a1a}.store-btn .store-icon{font-size:26px;flex-shrink:0}.store-btn .store-text{text-align:left}.store-btn .store-text small{display:block;font-size:11px;font-weight:400;opacity:.7;margin-bottom:1px}.ret-note{font-size:12px;color:#ffffff4d;margin-top:20px;line-height:1.6;max-width:320px}.calc-section{background:#fff;border-radius:18px;overflow:hidden;margin-bottom:24px;border:1px solid rgba(201,168,76,.2)}.calc-header{background:linear-gradient(135deg,#1a1200,#2a2000);padding:16px 20px;border-bottom:3px solid var(--gold)}.calc-header h2{font-family:Playfair Display,serif;font-size:16px;font-weight:700;color:var(--gold-light)}.calc-header p{font-size:11px;color:#ffffff73;margin-top:3px}.calc-body{padding:18px 16px}.calc-row{display:flex;gap:10px;margin-bottom:14px;flex-wrap:wrap}.calc-field{flex:1;min-width:120px}.calc-label{font-size:11px;font-weight:700;color:#666;letter-spacing:.5px;text-transform:uppercase;margin-bottom:6px}.calc-input{width:100%;padding:12px 14px;border:2px solid #e0e0e0;border-radius:10px;font-size:16px;font-weight:600;color:#111;font-family:DM Sans,sans-serif;outline:none;transition:border-color .2s;background:#fafafa}.calc-input:focus{border-color:var(--gold);background:#fff}.calc-select{width:100%;padding:12px 14px;border:2px solid #e0e0e0;border-radius:10px;font-size:15px;font-weight:600;color:#111;font-family:DM Sans,sans-serif;outline:none;transition:border-color .2s;background:#fafafa;cursor:pointer;-webkit-appearance:none}.calc-select:focus{border-color:var(--gold)}.calc-bank-row{display:flex;gap:8px;min-height:52px}.calc-bank-btn{flex:1;border-radius:12px;border:2px solid #d8d8d8;background:#f5f5f5;color:#666;font-family:DM Sans,sans-serif;font-size:14px;font-weight:700;cursor:pointer;transition:all .18s}.calc-bank-btn.cal.is-active{background:#f5c200;border-color:#d4a800;color:#1a1200;box-shadow:0 3px 12px #f5c20059}.calc-bank-btn.acc.is-active{background:#ff6b00;border-color:#d45800;color:#1a0800;box-shadow:0 3px 12px #ff6b0052}.calc-bank-btn:active{transform:scale(.98)}@media(max-width:460px){.calc-field{min-width:100%}.calc-row{gap:12px}}.years-result{background:linear-gradient(135deg,#f0f9f4,#e6f4ec);border:1.5px solid #a3d4b5;border-radius:12px;padding:14px 16px;margin-bottom:14px;display:none}.years-result.show{display:block}.yr-label{font-size:12px;color:#555;margin-bottom:4px}.yr-value{font-family:DM Sans,sans-serif;font-size:36px;font-weight:900;color:var(--ghana-green);line-height:1;margin-bottom:4px}.yr-sub{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.yr-badge{display:flex;flex-direction:column;align-items:center;gap:2px}.yr-badge-num{background:var(--ghana-green);color:#fff;font-size:10px;font-weight:800;border-radius:20px;padding:1px 7px;line-height:1.6;letter-spacing:.3px}.yr-badge-range{font-size:10px;color:#666;font-weight:600;white-space:nowrap}.yr-optional{background:linear-gradient(135deg,#fff8e6,#fff3d4);border:1.5px solid var(--gold);border-radius:10px;padding:10px 14px;margin-top:10px}.yr-optional-label{font-size:12px;color:#8b6914;margin-bottom:2px}.yr-optional-value{font-size:15px;font-weight:700;color:var(--gold-dark)}.cost-result{border-radius:14px;padding:16px;margin-bottom:4px;display:none;border:2px solid}.cost-result.show{display:block}.cost-result.cal{background:linear-gradient(135deg,#fffdf0,#fff8cc);border-color:#d4a800}.cost-result.acc{background:linear-gradient(135deg,#fff8f0,#ffe8d0);border-color:#d45800}.cost-bank-tag{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:8px}.cost-bank-tag.cal{color:#8b6914}.cost-bank-tag.acc{color:#c04000}.cost-main{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:8px;margin-bottom:10px}.cost-usd{font-size:13px;color:#888}.cost-usd strong{font-size:20px;color:#444;font-weight:700}.cost-ghs{text-align:right}.cost-ghs-label{font-size:9px;letter-spacing:1px;text-transform:uppercase;color:#bbb;margin-bottom:2px}.cost-ghs-amount{font-family:DM Sans,sans-serif;font-size:26px;font-weight:800;line-height:1}.cost-ghs-amount.cal{color:#c9a200}.cost-ghs-amount.acc{color:#e05a00}.cost-breakdown{font-size:11px;color:#888;border-top:1px dashed #ddd;padding-top:8px;line-height:1.7}.cost-no-rate{font-size:13px;color:#c60;font-style:italic}.waiver-section{background:#fff;border-radius:18px;overflow:hidden;margin-bottom:24px;border:1px solid rgba(0,107,63,.2)}.waiver-header{background:linear-gradient(135deg,#003d20,#005a30);padding:16px 20px;border-bottom:3px solid var(--ghana-green);cursor:pointer;-webkit-user-select:none;user-select:none;-webkit-tap-highlight-color:transparent;display:flex;align-items:center;justify-content:space-between;gap:12px}.waiver-header:active{opacity:.9}.waiver-header h2{font-family:Playfair Display,serif;font-size:16px;font-weight:700;color:#fff}.waiver-header p{font-size:11px;color:#ffffff73;margin-top:3px}.waiver-chevron{font-size:18px;color:#ffffffb3;transition:transform .3s;flex-shrink:0}.waiver-chevron.open{transform:rotate(180deg)}.waiver-body{padding:18px 16px;display:none}.waiver-body.open{display:block}#settingsPanel{position:fixed;inset:0;z-index:999;display:none;align-items:flex-end;justify-content:center;background:#000000b3;padding:0}#settingsPanel.open{display:flex}.settings-box{background:#1a1a1a;border-radius:24px 24px 0 0;width:100%;max-width:500px;border:1.5px solid rgba(201,168,76,.3);border-bottom:none;box-shadow:0 -8px 40px #00000080;overflow:hidden;position:relative;max-height:90vh;overflow-y:auto;-webkit-overflow-scrolling:touch}.settings-top-bar{height:5px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green))}.settings-handle{width:40px;height:4px;background:#ffffff26;border-radius:2px;margin:14px auto 0}.settings-close{position:absolute;top:14px;right:14px;width:34px;height:34px;border-radius:50%;background:#ce1126;border:2px solid #ff4d63;color:#fff;font-size:16px;font-weight:700;cursor:pointer;display:flex;align-items:center;justify-content:center;z-index:2}.settings-inner{padding:20px 22px calc(28px + var(--safe-bot))}.settings-title{font-family:Playfair Display,serif;font-size:20px;font-weight:700;color:#fff;margin-bottom:4px}.settings-sub{font-size:12px;color:#fff6;margin-bottom:22px}.profile-card{background:#ffffff0f;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:18px;margin-bottom:20px;display:flex;align-items:center;gap:14px}.profile-avatar-big{width:52px;height:52px;border-radius:50%;background:#c9a84c40;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:700;color:var(--gold-light);flex-shrink:0}.profile-info{flex:1;min-width:0}.profile-name{font-size:16px;font-weight:700;color:#fff;margin-bottom:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.profile-contact{font-size:12px;color:#ffffff73;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.profile-badge{display:inline-block;font-size:10px;font-weight:700;padding:3px 9px;border-radius:20px;background:#006b3f59;border:1px solid var(--ghana-green);color:#6ee8a8;margin-top:5px}.settings-section{margin-bottom:20px}.settings-section-title{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:#ffffff4d;margin-bottom:10px;padding-left:2px}.qr-card{background:#ffffff0f;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:20px;text-align:center}.qr-label{font-size:13px;color:#fff9;margin-bottom:14px;line-height:1.6}.qr-label strong{color:#fff}.qr-box{background:#fff;border-radius:12px;padding:14px;display:inline-block;margin-bottom:14px}.qr-url{font-size:11px;color:#ffffff59;word-break:break-all;margin-bottom:14px}.qr-copy-btn{background:linear-gradient(135deg,var(--ghana-green),#004d2e);color:#fff;border:none;border-radius:10px;padding:11px 22px;font-size:13px;font-weight:700;cursor:pointer;font-family:DM Sans,sans-serif;transition:opacity .15s,transform .15s}.qr-copy-btn:active{opacity:.85;transform:scale(.97)}.qr-copied{color:#6ee8a8;font-size:12px;font-weight:600;margin-top:8px;min-height:18px}.settings-action{display:flex;align-items:center;gap:12px;padding:14px 16px;background:#ffffff0d;border:1px solid rgba(255,255,255,.08);border-radius:12px;cursor:pointer;margin-bottom:10px;transition:background .15s}.settings-action:active{background:#ffffff1a}.settings-action-icon{width:36px;height:36px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}.settings-action-text{flex:1}.settings-action-text strong{display:block;font-size:14px;font-weight:600;color:#fff}.settings-action-text span{font-size:12px;color:#fff6}.settings-action-arrow{color:#ffffff40;font-size:16px}.action-red .settings-action-icon{background:#ce112633}.action-red .settings-action-text strong{color:#ff7a8a}.modal-overlay{position:fixed;inset:0;background:#000000e0;z-index:1000;display:none;align-items:flex-end;justify-content:center;padding:0}.modal-overlay.open{display:flex}.modal-box{background:#1e2d1e;border-radius:24px 24px 0 0;padding:28px 24px calc(28px + var(--safe-bot));width:100%;max-width:500px;border:2px solid var(--gold);border-bottom:none;box-shadow:0 -8px 40px #0006;overflow:hidden;position:relative;max-height:92vh;overflow-y:auto}.modal-top-bar{position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green));border-radius:22px 22px 0 0}.modal-handle{width:40px;height:4px;background:#fff3;border-radius:2px;margin:0 auto 20px}.modal-close{position:absolute;top:14px;right:14px;width:34px;height:34px;border-radius:50%;background:#ce1126;border:2px solid #ff4d63;color:#fff;font-size:16px;font-weight:700;cursor:pointer;display:flex;align-items:center;justify-content:center;z-index:2}.modal-title{font-family:Playfair Display,serif;font-size:20px;font-weight:700;color:#fff;margin-bottom:4px}.modal-sub{font-size:12px;color:#ffffff80;margin-bottom:20px}.pin-display{display:flex;gap:12px;justify-content:center;margin-bottom:18px}.pin-dot{width:15px;height:15px;border-radius:50%;background:#ffffff26;border:2px solid rgba(255,255,255,.3);transition:all .15s}.pin-dot.filled{background:var(--gold);border-color:var(--gold-light);box-shadow:0 0 8px #c9a84c99}.pin-error{text-align:center;font-size:13px;color:#ff7a8a;min-height:18px;margin-bottom:10px;font-weight:500}.pin-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:12px}.pin-btn{height:60px;font-size:24px;font-weight:700;border:2px solid rgba(255,255,255,.2);border-radius:14px;background:#ffffff1a;color:#fff;cursor:pointer;font-family:DM Sans,sans-serif;transition:background .1s,transform .1s;display:flex;align-items:center;justify-content:center}.pin-btn:active{transform:scale(.92);background:#c9a84c4d;border-color:var(--gold)}.pin-btn.del{color:#ff7a8a;border-color:#ce112666;background:#ce11261f;font-size:18px}.mscreen{display:none}.mscreen.visible{display:block}.admin-nav{display:flex;gap:8px;margin-bottom:18px}.nav-pill{flex:1;padding:10px;border:2px solid rgba(255,255,255,.15);border-radius:10px;font-size:13px;font-weight:600;cursor:pointer;background:#ffffff0f;font-family:DM Sans,sans-serif;color:#ffffff8c;transition:all .15s;text-align:center}.nav-pill.active{background:#006b3f59;border-color:var(--ghana-green);color:#6ee8a8}.admin-bank-tabs{display:flex;gap:8px;margin-bottom:14px}.abt{flex:1;padding:11px;border-radius:10px;border:2px solid rgba(255,255,255,.2);background:#ffffff14;color:#ddd;font-size:13px;font-weight:700;cursor:pointer;font-family:DM Sans,sans-serif;transition:all .2s;text-align:center}.abt.cal.active{background:#f5c200;border-color:#d4a800;color:#1a1200}.abt.acc.active{background:#ff6b00;border-color:#d45800;color:#1a0800}.admin-bank-panel{display:none}.admin-bank-panel.active{display:block}.rf-label{font-size:12px;font-weight:600;color:#ffffffa6;margin-bottom:7px;letter-spacing:.3px}.rf-input-group{display:flex;align-items:center;margin-bottom:12px;border:2px solid rgba(201,168,76,.4);border-radius:12px;overflow:hidden;background:#ffffff14}.rf-input-group:focus-within{border-color:var(--gold)}.rf-prefix{padding:0 14px;font-size:20px;font-weight:700;color:var(--gold);background:#c9a84c26;height:54px;display:flex;align-items:center;justify-content:center;flex-shrink:0;border-right:1px solid rgba(201,168,76,.3)}.big-input{flex:1;padding:14px;font-size:22px;font-weight:700;border:none;background:transparent;font-family:DM Sans,sans-serif;color:#fff;outline:none}.big-input::placeholder{color:#fff3}.apply-btn{width:100%;padding:15px;color:#fff;border-radius:12px;font-size:15px;font-weight:700;cursor:pointer;font-family:DM Sans,sans-serif;border:none;transition:opacity .15s,transform .15s}.apply-btn:active{transform:scale(.98);opacity:.9}.apply-btn.cal-btn{background:#f5c200;color:#1a1200}.apply-btn.acc-btn{background:#ff6b00;color:#1a0800}.info-box{background:#ffffff14;border:1px solid rgba(201,168,76,.25);border-radius:10px;padding:10px 13px;margin-bottom:12px;font-size:12px;color:#ffffffb3}.info-box strong{color:var(--gold-light)}.text-btn{width:100%;margin-top:10px;padding:12px;background:#ffffff0d;border:1.5px solid rgba(255,255,255,.12);border-radius:11px;font-size:14px;color:#ffffff80;cursor:pointer;font-family:DM Sans,sans-serif;transition:all .15s}.text-btn:active{background:#ffffff1a}.pin-step-label{font-size:12px;color:#ffffff8c;text-align:center;margin-bottom:12px}.success-msg{background:#006b3f4d;border:1px solid #00a858;border-radius:10px;padding:12px;font-size:13px;color:#6ee8a8;font-weight:600;text-align:center;margin-bottom:12px;display:none}#installBanner{display:none;background:linear-gradient(135deg,var(--ghana-green),#004d2e);padding:12px 16px;align-items:center;gap:12px;border-bottom:2px solid var(--gold)}#installBanner.show{display:flex}#updateBanner{display:none;background:linear-gradient(135deg,#c9a84c,#8b6914);padding:11px 16px;align-items:center;gap:12px;border-bottom:2px solid var(--gold-dark);position:sticky;top:0;z-index:200}#updateBanner.show{display:flex}.update-text{flex:1;font-size:13px;color:#1a1200;font-weight:600}.update-text span{font-weight:700}.update-do{background:#1a1200;border:none;color:var(--gold-light);font-size:12px;font-weight:700;padding:8px 16px;border-radius:8px;cursor:pointer;font-family:DM Sans,sans-serif;white-space:nowrap;transition:opacity .15s}.update-do:active{opacity:.8}.update-dismiss{background:none;border:none;color:#1a120080;font-size:18px;cursor:pointer;padding:0 4px}.install-text{flex:1;font-size:13px;color:#fff;font-weight:500}.install-text strong{color:var(--gold-light)}.install-dismiss{background:none;border:none;color:#ffffff80;font-size:18px;cursor:pointer;padding:0 4px}.install-do{background:var(--gold);border:none;color:var(--ghana-black);font-size:12px;font-weight:700;padding:8px 14px;border-radius:8px;cursor:pointer;font-family:DM Sans,sans-serif;white-space:nowrap}#holidayBanner{display:none;position:fixed;inset:0;z-index:500;align-items:center;justify-content:center;padding:24px;background:#000000bf}#holidayBanner.show{display:flex}.holiday-card{background:linear-gradient(160deg,#1a2a0a,#0d1a0d);border:2px solid var(--gold);border-radius:24px;padding:32px 28px;max-width:360px;width:100%;text-align:center;position:relative;overflow:hidden;box-shadow:0 0 60px #c9a84c4d}.holiday-card:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green))}.holiday-emoji{font-size:56px;margin-bottom:12px;display:block;animation:holidayBounce 1.5s ease-in-out infinite}@keyframes holidayBounce{0%,to{transform:translateY(0)}50%{transform:translateY(-8px)}}.holiday-title{font-family:Playfair Display,serif;font-size:22px;font-weight:900;color:var(--gold-light);margin-bottom:8px}.holiday-date{font-size:12px;color:#ffffff73;letter-spacing:1px;text-transform:uppercase;margin-bottom:16px}.holiday-msg{font-size:14px;color:#ffffffbf;line-height:1.7;margin-bottom:24px}.holiday-stripe{display:flex;height:6px;border-radius:3px;overflow:hidden;margin-bottom:24px}.holiday-stripe div{flex:1}.holiday-close{background:#ffffff1a;border:1.5px solid rgba(255,255,255,.2);border-radius:12px;color:#fff;font-size:14px;font-weight:600;padding:12px 28px;cursor:pointer;font-family:DM Sans,sans-serif;transition:background .15s}.holiday-close:active{background:#fff3}#offlineToast{position:fixed;bottom:calc(20px + var(--safe-bot));left:50%;transform:translate(-50%) translateY(80px);background:#333;color:#fff;padding:10px 20px;border-radius:30px;font-size:13px;font-weight:500;z-index:2000;transition:transform .3s;white-space:nowrap}#offlineToast.show{transform:translate(-50%) translateY(0)}@keyframes flash-in{0%{background:#b8e4cc}to{background:#fff}}.flash{animation:flash-in .8s ease}:root{--gold:#C9A84C;--gold-light:#F0D080;--gold-dark:#8B6914;--ghana-red:#CE1126;--ghana-green:#006B3F;--ghana-black:#1A1A1A;--cal:#F5C200;--acc:#FF6B00;--safe-top:env(safe-area-inset-top,0px);--safe-bot:env(safe-area-inset-bottom,0px)}*{box-sizing:border-box;margin:0;padding:0;-webkit-tap-highlight-color:transparent}html,body{height:100%;overflow:hidden;font-family:DM Sans,sans-serif;background:#0d1117}body{padding-bottom:var(--safe-bot)}#app{min-height:100%;background:linear-gradient(160deg,#0d1117,#1a2a1a 40%,#1a1a0d);position:relative}.bg-pat{position:fixed;inset:0;opacity:.04;background-image:repeating-linear-gradient(45deg,var(--gold) 0,var(--gold) 1px,transparent 0,transparent 50%);background-size:24px 24px;pointer-events:none;z-index:0}.screen{display:none;position:fixed;inset:0;overflow:hidden;z-index:1}.screen.active{display:block}#authScreen{display:none;background:linear-gradient(160deg,#0d1117,#1a2a1a,#1a1a0d);overflow-y:auto;overflow-x:hidden;-webkit-overflow-scrolling:touch}#authScreen.active{display:block}#mainScreen{overflow-y:auto;overflow-x:hidden;-webkit-overflow-scrolling:touch;background:linear-gradient(160deg,#0d1117,#1a2a1a 40%,#1a1a0d)}.auth-inner{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:100vh;padding:24px 20px 60px;box-sizing:border-box}.auth-logo{width:90px;height:90px;border-radius:50%;background:radial-gradient(circle at 35% 35%,var(--gold-light),var(--gold-dark));display:flex;align-items:center;justify-content:center;font-size:40px;border:3px solid var(--gold);box-shadow:0 0 30px #c9a84c66;margin-bottom:20px}.auth-title{font-family:Playfair Display,serif;font-size:26px;font-weight:900;color:#fff;text-align:center;margin-bottom:6px}.auth-title span{color:var(--gold-light)}.auth-sub{font-size:13px;color:#ffffff80;text-align:center;letter-spacing:.8px;text-transform:uppercase;margin-bottom:36px}.auth-card{background:#1e2d1e;border-radius:20px;padding:28px 24px;width:100%;max-width:400px;border:1.5px solid rgba(201,168,76,.3);position:relative;overflow:hidden;margin-top:8px}.auth-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--ghana-red),var(--gold),var(--ghana-green));border-radius:20px 20px 0 0}.auth-tabs{display:flex;gap:0;margin-bottom:24px;background:#ffffff0f;border-radius:10px;padding:4px}.auth-tab{flex:1;padding:10px;text-align:center;font-size:14px;font-weight:600;color:#ffffff80;cursor:pointer;border-radius:8px;transition:all .2s;font-family:DM Sans,sans-serif;border:none;background:none}.auth-tab.active{background:var(--ghana-green);color:#fff}.auth-form{display:none}.auth-form.active{display:block}.field-label{font-size:12px;font-weight:600;color:#fff9;letter-spacing:.5px;text-transform:uppercase;margin-bottom:6px}.field-wrap{margin-bottom:16px}.auth-input{width:100%;padding:13px 16px;background:#ffffff14;border:1.5px solid rgba(255,255,255,.15);border-radius:12px;color:#fff;font-size:16px;font-family:DM Sans,sans-serif;outline:none;transition:border-color .2s}.auth-input:focus{border-color:var(--gold)}.auth-input::placeholder{color:#ffffff40}.auth-btn{width:100%;padding:15px;margin-top:4px;background:linear-gradient(135deg,var(--ghana-green),#004d2e);color:#fff;border:none;border-radius:12px;font-size:16px;font-weight:700;cursor:pointer;font-family:DM Sans,sans-serif;transition:opacity .15s,transform .15s}.auth-btn:active{transform:scale(.98);opacity:.9}.auth-msg{font-size:13px;text-align:center;margin-top:12px;min-height:18px}.auth-msg.error{color:#ff7a8a}.auth-msg.success{color:#6ee8a8}.auth-divider{text-align:center;font-size:12px;color:#ffffff4d;margin:16px 0}.pw-wrap{position:relative}.pw-wrap .auth-input{padding-right:52px}.pw-eye{position:absolute;right:12px;top:50%;transform:translateY(-50%);background:none;border:none;cursor:pointer;color:#ffffff73;font-size:20px;display:flex;align-items:center;justify-content:center;padding:6px;transition:color .2s;-webkit-tap-highlight-color:transparent;z-index:10;min-width:36px;min-height:36px}.pw-eye:hover,.pw-eye:active{color:#fff}.pw-eye svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;pointer-events:none}