:root{
  /* IWORLD brand — navy & gold on white (matches the logo) */
  --navy:#10254f;        /* deep royal navy */
  --navy-700:#1b3a6b;    /* mid navy */
  --navy-900:#0a1733;    /* darkest navy */
  --silver:#c7ccd3;
  --gold:#c3992f; --gold-soft:#e2c361; --gold-deep:#a97f1f;
  --bg:#f3f5f9; --card:#ffffff; --ink:#1a2436; --muted:#6a7488;
  --line:#e2e7f0; --green:#2f7d4f; --green-bg:#eaf4ee;
  --red:#b3261e; --red-bg:#fbeae8; --amber:#8a6d00; --amber-bg:#fbf1d5;
  --radius:14px; --shadow:0 2px 10px rgba(16,37,79,.07), 0 8px 30px rgba(16,37,79,.08);
  --mono:'SFMono-Regular',ui-monospace,Menlo,Consolas,monospace;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--ink);line-height:1.5;-webkit-font-smoothing:antialiased}
a{color:var(--navy-700);text-decoration:none}
button{font-family:inherit;cursor:pointer}
.hidden{display:none !important}

/* Demo indicator — slim, professional, always visible */
.sandbox-banner{position:sticky;top:0;z-index:60;background:var(--navy-900);
  color:#cfd9ec;font-size:11.5px;letter-spacing:.02em;padding:5px 20px;
  border-bottom:1px solid rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;gap:10px}
.sandbox-banner .demo-chip{background:var(--gold);color:var(--navy-900);font-weight:800;
  font-size:10px;letter-spacing:.1em;padding:2px 8px;border-radius:4px}
.sandbox-banner span{opacity:.9}

/* Top nav — white with navy text + gold accent (matches logo) */
.topbar{background:#fff;color:var(--navy);position:sticky;top:29px;z-index:50;
  border-bottom:1px solid var(--line);box-shadow:0 2px 10px rgba(16,37,79,.05)}
.topbar::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;
  background:linear-gradient(90deg,var(--gold-deep),var(--gold-soft),var(--gold-deep))}
.topbar-inner{max-width:1120px;margin:0 auto;display:flex;align-items:center;gap:18px;padding:10px 20px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;letter-spacing:.02em;color:var(--navy)}
.brand .mark-img{height:42px;width:auto;display:block}
.brand .name{font-size:15px;line-height:1.05}
.brand .name small{display:block;font-weight:700;font-size:9.5px;color:var(--gold-deep);letter-spacing:.16em}
.nav-spacer{flex:1}
.nav-links{display:flex;gap:4px}
.nav-links a{color:var(--navy-700);padding:8px 13px;border-radius:9px;font-weight:600;font-size:14px}
.nav-links a:hover{background:#eef2f8;color:var(--navy)}
.nav-links a.active{background:rgba(195,153,47,.16);color:var(--navy)}
.nav-user{display:flex;align-items:center;gap:10px;font-size:13.5px;color:var(--navy-700)}
.btn-nav{background:#fff;border:1px solid var(--line);color:var(--navy);padding:7px 13px;border-radius:9px;font-weight:600}
.btn-nav:hover{background:#f3f6fb;border-color:var(--navy-700)}
.btn-ghost-light{background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff;padding:7px 13px;border-radius:9px;font-weight:600}
.btn-ghost-light:hover{background:rgba(255,255,255,.12)}

/* Layout */
.wrap{max-width:1120px;margin:0 auto;padding:26px 20px 70px}
.page-title{font-size:24px;font-weight:800;margin:0 0 4px;color:var(--navy)}
.page-sub{color:var(--muted);margin:0 0 22px;font-size:14px}
.grid{display:grid;gap:18px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
@media(max-width:820px){.grid-2,.grid-3{grid-template-columns:1fr}.nav-links{display:none}}

.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.card-pad{padding:20px}
.card h3{margin:0 0 14px;font-size:15px;color:var(--navy)}
.section-label{text-transform:uppercase;letter-spacing:.1em;font-size:11px;color:var(--muted);font-weight:700;margin:0 0 10px}

/* Account cards */
.acct-card{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-700) 100%);color:#fff;border-radius:var(--radius);
  padding:20px;position:relative;overflow:hidden;box-shadow:var(--shadow);cursor:pointer;transition:transform .12s}
.acct-card:hover{transform:translateY(-2px)}
.acct-card::after{content:attr(data-ribbon);position:absolute;right:-28px;top:16px;transform:rotate(45deg);
  background:var(--gold);color:var(--navy-900);font-weight:800;font-size:10px;letter-spacing:.14em;padding:3px 34px}
.acct-card .type{font-size:12px;color:var(--gold-soft);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
.acct-card .nick{font-size:16px;font-weight:700;margin:2px 0 14px}
.acct-card .bal{font-size:28px;font-weight:800;letter-spacing:-.01em}
.acct-card .avail{font-size:12.5px;color:#c5d2ea;margin-top:3px}
.acct-card .num{font-family:var(--mono);font-size:12.5px;color:#aebcd8;margin-top:14px}

/* Stat tiles */
.stat{padding:18px 20px}
.stat .k{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.stat .v{font-size:26px;font-weight:800;color:var(--navy);margin-top:4px}

/* Tables / lists */
.txn{display:flex;align-items:center;gap:14px;padding:13px 4px;border-bottom:1px solid var(--line)}
.txn:last-child{border-bottom:none}
.txn .ico{width:38px;height:38px;border-radius:10px;display:grid;place-items:center;font-size:17px;flex:none;background:#eef2fa}
.txn .desc{flex:1;min-width:0}
.txn .desc .t{font-weight:600;font-size:14px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.txn .desc .s{font-size:12.5px;color:var(--muted)}
.txn .amt{font-weight:700;font-variant-numeric:tabular-nums;white-space:nowrap}
.amt.pos{color:var(--green)}.amt.neg{color:var(--ink)}
.txn .run{font-size:12px;color:var(--muted);width:110px;text-align:right;font-variant-numeric:tabular-nums}
@media(max-width:620px){.txn .run{display:none}}

/* Pills */
.pill{display:inline-block;padding:3px 10px;border-radius:999px;font-size:11.5px;font-weight:700;letter-spacing:.02em}
.pill.completed{background:var(--green-bg);color:var(--green)}
.pill.processing{background:var(--amber-bg);color:var(--amber)}
.pill.in_transit{background:#e7eef6;color:#2b5a86}
.pill.pending{background:var(--amber-bg);color:var(--amber)}
.pill.failed,.pill.returned{background:var(--red-bg);color:var(--red)}

/* Forms */
.field{margin-bottom:14px}
.field label{display:block;font-size:13px;font-weight:600;margin-bottom:6px;color:var(--navy-700)}
.input,select.input,textarea.input{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font-size:14px;
  background:#fff;color:var(--ink);transition:border .12s,box-shadow .12s}
.input:focus{outline:none;border-color:var(--navy-700);box-shadow:0 0 0 3px rgba(19,49,92,.12)}
.row{display:flex;gap:12px}.row>*{flex:1}
.help{font-size:12px;color:var(--muted);margin-top:5px}

.btn{background:var(--navy);color:#fff;border:none;padding:12px 18px;border-radius:10px;font-weight:700;font-size:14px;transition:background .12s}
.btn:hover{background:var(--navy-700)}
.btn:disabled{opacity:.55;cursor:not-allowed}
.btn-gold{background:linear-gradient(135deg,var(--gold),var(--gold-soft));color:var(--navy-900)}
.btn-gold:hover{filter:brightness(1.04)}
.btn-block{width:100%}
.btn-sm{padding:8px 13px;font-size:13px}
.btn-outline{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-outline:hover{background:#f7f9fd}

/* Rail selector */
.rails{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:6px}
.rail-opt{border:1.5px solid var(--line);border-radius:12px;padding:13px;text-align:center;cursor:pointer;transition:.12s;background:#fff}
.rail-opt:hover{border-color:var(--navy-700)}
.rail-opt.sel{border-color:var(--gold);background:#fffdf5;box-shadow:0 0 0 3px rgba(201,162,39,.14)}
.rail-opt .ic{font-size:22px}
.rail-opt .nm{font-weight:700;font-size:13.5px;margin-top:4px}
.rail-opt .dc{font-size:11.5px;color:var(--muted)}

/* Auth / marketing */
.auth-wrap{max-width:430px;margin:40px auto;padding:0 20px}
.auth-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:30px}
.auth-card h2{margin:0 0 4px;color:var(--navy);font-size:21px}
.auth-card .sub{color:var(--muted);font-size:13.5px;margin-bottom:20px}
.tabs{display:flex;gap:6px;margin-bottom:20px;background:#eef2fa;padding:4px;border-radius:12px}
.tabs button{flex:1;border:none;background:transparent;padding:9px;border-radius:9px;font-weight:700;font-size:13.5px;color:var(--muted)}
.tabs button.active{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(0,0,0,.08)}

.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-900) 100%);color:#fff;border-radius:18px;padding:40px;margin-bottom:22px;position:relative;overflow:hidden}
.hero h1{font-size:30px;margin:0 0 10px;max-width:560px}
.hero p{color:#c5d2ea;max-width:520px;margin:0 0 20px}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.feature{display:flex;gap:12px;align-items:flex-start}
.feature .fi{font-size:22px}
.feature .ft{font-weight:700;font-size:14.5px}
.feature .fs{font-size:13px;color:var(--muted)}

/* ---- Premium landing (fintech reference: Found / Bluevine / N26 / Upgrade) ---- */
.lp-hero{background:linear-gradient(145deg,var(--navy) 0%,var(--navy-900) 100%);border-radius:22px;
  padding:48px;display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:center;overflow:hidden;position:relative}
.lp-hero .eyebrow{color:var(--gold-soft);font-weight:800;letter-spacing:.14em;font-size:11.5px;text-transform:uppercase}
.lp-hero h1{color:#fff;font-size:40px;line-height:1.08;margin:12px 0 14px;letter-spacing:-.02em;max-width:15ch}
.lp-hero p.lead{color:#c3d0e6;font-size:16px;line-height:1.55;margin:0 0 24px;max-width:46ch}
.lp-hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.lp-hero .btn{padding:14px 22px;font-size:15px}
.lp-trustline{color:#9fb0cf;font-size:12px;display:flex;align-items:center;gap:8px}
.lp-trustline b{color:#e2c877;font-weight:700}
/* hero product visual */
.lp-visual{position:relative;min-height:260px}
.mock-card{background:linear-gradient(135deg,#17315f,#0c1d3c);border:1px solid rgba(255,255,255,.1);border-radius:16px;
  padding:20px;color:#fff;box-shadow:0 20px 50px rgba(0,0,0,.35);position:relative}
.mock-card .mc-top{display:flex;justify-content:space-between;align-items:center;font-size:11px;color:#aebcd8;letter-spacing:.06em}
.mock-card .mc-bal{font-size:30px;font-weight:800;margin:14px 0 2px}
.mock-card .mc-sub{font-size:12px;color:#9fb0cf}
.mock-card .mc-chip{position:absolute;right:16px;bottom:16px;width:38px;height:28px;border-radius:6px;
  background:linear-gradient(135deg,var(--gold),var(--gold-soft))}
.mock-toast{background:#fff;border-radius:12px;box-shadow:0 14px 34px rgba(0,0,0,.28);padding:12px 14px;
  display:flex;gap:10px;align-items:center;position:absolute;right:-6px;bottom:-14px;width:230px}
.mock-toast .mt-ic{width:34px;height:34px;border-radius:9px;background:var(--green-bg);display:grid;place-items:center;font-size:16px}
.mock-toast .mt-t{font-weight:700;font-size:13px;color:var(--ink)}
.mock-toast .mt-s{font-size:11px;color:var(--muted)}

.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:18px 0 8px}
.trust-item{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;display:flex;gap:11px;align-items:center}
.trust-item .ti-ic{font-size:18px}
.trust-item .ti-t{font-weight:700;font-size:13px;color:var(--navy)}
.trust-item .ti-s{font-size:11.5px;color:var(--muted)}

.lp-section-title{text-align:center;margin:40px 0 20px}
.lp-section-title h2{font-size:26px;color:var(--navy);margin:0 0 6px;letter-spacing:-.01em}
.lp-section-title p{color:var(--muted);margin:0;font-size:14.5px}

.lp-cta-band{background:linear-gradient(135deg,var(--gold-deep),var(--gold));border-radius:20px;padding:34px 40px;
  display:flex;justify-content:space-between;align-items:center;gap:20px;margin-top:34px;flex-wrap:wrap}
.lp-cta-band h3{color:var(--navy-900);font-size:22px;margin:0 0 4px}
.lp-cta-band p{color:#4a3c10;margin:0;font-size:14px}
.lp-cta-band .btn{background:var(--navy-900);color:#fff}
.lp-cta-band .btn:hover{background:var(--navy)}

@media(max-width:820px){
  .lp-hero{grid-template-columns:1fr;padding:30px}
  .lp-hero h1{font-size:30px}
  .lp-visual{min-height:200px;margin-top:10px}
  .trust-strip{grid-template-columns:1fr 1fr}
  .lp-cta-band{padding:24px}
}

/* Debit cards */
.cards-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(340px,1fr));gap:20px}
.bankcard{position:relative;border-radius:16px;padding:22px;color:#fff;min-height:200px;
  display:flex;flex-direction:column;justify-content:space-between;box-shadow:var(--shadow);overflow:hidden}
.bankcard.visa{background:linear-gradient(135deg,#13315c,#0a1733)}
.bankcard.mastercard{background:linear-gradient(135deg,#2a2d34,#12141a)}
.bankcard.frozen{filter:grayscale(.5) brightness(.8)}
.bankcard.canceled{filter:grayscale(1) brightness(.6)}
.bankcard::after{content:"";position:absolute;right:-40px;top:-40px;width:160px;height:160px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,162,39,.35),transparent 70%)}
.bc-top{display:flex;justify-content:space-between;align-items:flex-start;z-index:1}
.bc-brandmark{font-weight:800;font-size:13px;letter-spacing:.14em;color:var(--gold-soft)}
.bc-form{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:#aebcd8}
.bc-chip{width:40px;height:30px;border-radius:6px;background:linear-gradient(135deg,var(--gold),var(--gold-soft));margin:6px 0 2px;z-index:1}
.bc-number{font-family:var(--mono);font-size:18px;letter-spacing:.06em;z-index:1;margin:6px 0}
.bc-bottom{display:flex;justify-content:space-between;align-items:flex-end;z-index:1}
.bc-name{font-size:12.5px;letter-spacing:.06em;text-transform:uppercase}
.bc-exp{font-size:11px;color:#c5d2ea}
.bc-netmark{font-weight:800;font-style:italic;font-size:18px;opacity:.95}
.bc-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.bc-meta{font-size:12.5px;color:var(--muted);margin-top:10px;line-height:1.5}
.ship-track{display:flex;gap:6px;align-items:center;margin-top:8px}
.ship-step{flex:1;text-align:center;font-size:10.5px;color:var(--muted);position:relative;padding-top:16px}
.ship-step::before{content:"";position:absolute;top:4px;left:50%;transform:translateX(-50%);width:11px;height:11px;border-radius:50%;background:var(--line)}
.ship-step.done::before{background:var(--green)}
.ship-step.done{color:var(--green);font-weight:600}

/* Statement */
.stmt{border:1px solid var(--line);border-radius:12px;padding:24px;background:#fff}
.stmt-head{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:2px solid var(--navy);padding-bottom:14px;margin-bottom:16px}
.stmt-head .si{font-size:12px;color:var(--muted)}
.stmt-sum{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:16px 0}
.stmt-sum .ss{background:#f6f8fc;border-radius:10px;padding:12px 14px}
.stmt-sum .ss .k{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.stmt-sum .ss .v{font-size:17px;font-weight:800;color:var(--navy);margin-top:3px}
table.stmt-tbl{width:100%;border-collapse:collapse;font-size:13px}
table.stmt-tbl th{text-align:left;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.05em;padding:8px 6px;border-bottom:1px solid var(--line)}
table.stmt-tbl td{padding:9px 6px;border-bottom:1px solid var(--line);vertical-align:top}
table.stmt-tbl td.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
@media(max-width:620px){.stmt-sum{grid-template-columns:1fr 1fr}}
@media print{.sandbox-banner,.topbar,.site-foot,.no-print{display:none !important}.wrap{padding:0}}

/* Toast */
.toast-wrap{position:fixed;right:18px;bottom:18px;z-index:200;display:flex;flex-direction:column;gap:10px}
.toast{background:var(--navy-900);color:#fff;padding:13px 16px;border-radius:12px;box-shadow:var(--shadow);font-size:13.5px;max-width:330px;border-left:3px solid var(--gold)}
.toast.ok{border-left-color:var(--green)}
.toast.err{border-left-color:var(--red)}

/* Modal */
.modal-bg{position:fixed;inset:0;background:rgba(7,22,48,.55);z-index:150;display:grid;place-items:center;padding:20px}
.modal{background:#fff;border-radius:16px;max-width:520px;width:100%;box-shadow:var(--shadow);max-height:90vh;overflow:auto}
.modal-head{padding:18px 20px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:center}
.modal-head h3{margin:0;color:var(--navy)}
.modal-x{background:none;border:none;font-size:22px;color:var(--muted);line-height:1}
.modal-body{padding:20px}

/* Confirmation / receipt */
.receipt{border:1px dashed var(--navy-700);border-radius:14px;padding:22px;position:relative;background:#fff}
.receipt::before{content:"SANDBOX — NOT A REAL PAYMENT";position:absolute;inset:0;display:grid;place-items:center;
  font-size:34px;font-weight:900;color:rgba(11,36,71,.055);transform:rotate(-18deg);pointer-events:none;letter-spacing:.08em}
.receipt .r-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:16px}
.receipt .r-conf{font-family:var(--mono);font-size:15px;font-weight:700;color:var(--navy)}
.receipt dl{display:grid;grid-template-columns:140px 1fr;gap:8px 14px;margin:0;font-size:13.5px}
.receipt dt{color:var(--muted);font-weight:600}
.receipt dd{margin:0;font-weight:600;color:var(--ink);word-break:break-word}
.receipt .r-amt{font-size:26px;font-weight:800;color:var(--navy)}
.foot-note{font-size:11.5px;color:var(--muted);text-align:center;margin-top:30px;line-height:1.5}

/* Global compliance footer */
.site-foot{background:var(--navy-900);color:#cdd8ee;margin-top:40px}
.site-foot-inner{max-width:1120px;margin:0 auto;padding:22px 20px}
.foot-fdic{display:flex;gap:14px;align-items:flex-start;font-size:12px;line-height:1.5;max-width:900px}
.foot-fdic strong{color:#fff}
.fdic-badge{flex:none;border:2px solid var(--gold-soft);color:var(--gold-soft);font-weight:800;
  letter-spacing:.08em;font-size:12px;padding:5px 9px;border-radius:5px;background:rgba(255,255,255,.03)}
.foot-links{display:flex;flex-wrap:wrap;gap:16px;margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.12);font-size:12.5px}
.foot-links a{color:#aebcd8}
.foot-links a:hover{color:#fff}
.foot-links #footMeta{color:#7f8fb0;margin-left:auto}
.legal h2{color:var(--navy);font-size:20px;margin:0 0 4px}
.legal h3{color:var(--navy);font-size:15px;margin:22px 0 8px}
.legal p,.legal li{font-size:13.5px;color:var(--ink);line-height:1.6}
.legal .callout{background:#fff8e6;border:1px solid #efe0ac;border-radius:10px;padding:14px 16px;margin:14px 0;font-size:13px}