.bottom-nav{flex:none;display:grid;grid-template-columns:repeat(4,1fr);background:var(--color-surface);border-top:1px solid var(--color-border);padding-bottom:env(safe-area-inset-bottom);box-shadow:0 -2px 12px #0f172a0f}.bottom-nav__tab{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;padding:9px 4px 8px;color:var(--color-text-muted);text-decoration:none;transition:color .15s ease}.bottom-nav__tab:hover{text-decoration:none}.bottom-nav__tab--active{color:var(--color-primary)}.bottom-nav__icon{display:inline-flex;transition:transform .12s ease}.bottom-nav__tab--active .bottom-nav__icon{transform:translateY(-1px)}.bottom-nav__label{font-size:11px;font-weight:600;letter-spacing:.01em}.tabs{height:100vh;height:100dvh;display:flex;flex-direction:column;overflow:hidden}.tabs__viewport{flex:1;min-height:0;overflow-y:auto;overflow-x:hidden;-webkit-overflow-scrolling:touch}.theme-toggle{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;border:1px solid var(--color-border);background:var(--color-surface);color:var(--color-text);transition:background-color .15s ease,color .15s ease,border-color .15s ease}.theme-toggle:hover{background:var(--color-primary-soft);color:var(--color-primary);border-color:var(--color-primary)}.theme-toggle:active{transform:scale(.94)}.brand-waves{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:104px;display:block;overflow:hidden;pointer-events:none;user-select:none}.brand-waves__layer{transform-box:view-box;transform-origin:center;will-change:transform}.brand-waves__layer--back{fill:#ffffff24;animation:brand-waves-bob-back 7s ease-in-out infinite}.brand-waves__layer--mid{fill:#ffffff38;animation:brand-waves-bob-mid 5.5s ease-in-out infinite}.brand-waves__layer--front{fill:var(--color-bg);animation:brand-waves-bob-front 9s ease-in-out infinite}@keyframes brand-waves-bob-back{0%,to{transform:translate(0)}50%{transform:translate(-26px,-22px)}}@keyframes brand-waves-bob-mid{0%,to{transform:translate(0)}50%{transform:translate(22px,18px)}}@keyframes brand-waves-bob-front{0%,to{transform:translate(0)}50%{transform:translate(-14px,9px)}}@media(prefers-reduced-motion:reduce){.brand-waves__layer{animation:none}}.dynamic-key{position:relative;z-index:2;align-self:flex-start;margin:-26px var(--space-5) 0;width:168px;background:var(--color-surface);border-radius:var(--radius-md);box-shadow:var(--shadow-pop);overflow:hidden}.dynamic-key__value{display:flex;flex-direction:column;gap:2px;padding:8px 16px}.dynamic-key__label{font-size:10px;text-transform:uppercase;letter-spacing:.06em;color:var(--color-text-muted)}.dynamic-key__code{font-size:18px;font-weight:700;letter-spacing:.12em;color:var(--color-text);font-variant-numeric:tabular-nums}.dynamic-key__track{height:4px;background:var(--color-surface-alt)}.dynamic-key__progress{height:100%;width:0;background:var(--brand-spring);animation:dynamic-key-fill 15s linear forwards}@keyframes dynamic-key-fill{0%{width:0}to{width:100%}}@media(prefers-reduced-motion:reduce){.dynamic-key__progress{animation:none;width:100%}}.welcome{min-height:100vh;min-height:100dvh;display:flex;flex-direction:column;background:var(--color-bg)}.welcome__header{position:relative;overflow:hidden;padding:max(var(--space-4),env(safe-area-inset-top)) var(--space-5) 84px;background:linear-gradient(135deg,#36a78c 0%,var(--brand-mountain) 100%);color:#fff}.welcome__bar{position:relative;display:flex;align-items:center;justify-content:space-between;gap:var(--space-3)}.welcome__brand{display:flex;align-items:center;gap:var(--space-2);min-width:0}.welcome__logo{height:28px;width:auto}.welcome__app{font-size:15px;font-weight:600;letter-spacing:.02em}.welcome__theme{background:#ffffff29;border-color:#ffffff52;color:#fff}.welcome__theme:hover{background:#ffffff47;color:#fff;border-color:#ffffff80}.welcome__hello{position:relative;margin-top:var(--space-5)}.welcome__greeting{margin:0;font-size:26px;font-weight:600}.welcome__tagline{margin:var(--space-1) 0 0;font-size:14px;opacity:.9}.welcome__main{flex:1;display:flex;flex-direction:column;justify-content:flex-end;padding:var(--space-5);padding-bottom:max(var(--space-5),env(safe-area-inset-bottom))}.welcome__form{background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:var(--space-5);display:flex;flex-direction:column;gap:var(--space-3)}.welcome__title{margin:0 0 var(--space-1);font-size:18px;text-align:center;color:var(--color-text)}.welcome__field{display:flex;flex-direction:column;gap:var(--space-1)}.welcome__label{font-size:12px;font-weight:600;color:var(--color-text-muted);letter-spacing:.04em}.welcome__input{width:100%;padding:13px 14px;border:1px solid var(--color-border);border-radius:var(--radius-md);font-size:16px;background:var(--color-bg);color:var(--color-text);letter-spacing:.04em;transition:border-color .15s ease,background-color .15s ease}.welcome__input:focus{outline:none;border-color:var(--color-primary);background:var(--color-surface)}.welcome__continue{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);margin-top:var(--space-2);padding:14px 16px;border:none;border-radius:var(--radius-md);background:var(--color-primary);color:var(--color-on-primary);font-size:15px;font-weight:700;transition:filter .15s ease,transform .05s ease}.welcome__continue:hover:not(:disabled){filter:brightness(1.05)}.welcome__continue:active:not(:disabled){transform:translateY(1px)}.welcome__continue:disabled{opacity:.45;cursor:not-allowed}.welcome__join{margin:var(--space-1) 0 0;text-align:center;font-size:13px;color:var(--color-text-muted)}.welcome__join a{color:var(--color-link);font-weight:600}.keypad{width:100%;max-width:300px;margin-top:auto;padding-bottom:max(var(--space-4),env(safe-area-inset-bottom));display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-3);justify-items:center}.keypad__key{width:100%;max-width:70px;aspect-ratio:1 / 1;display:inline-flex;align-items:center;justify-content:center;border-radius:50%;border:1px solid var(--color-border);background:var(--color-surface);color:var(--color-text);font-size:24px;font-weight:500;transition:background-color .15s ease,color .15s ease,transform .05s ease}.keypad__key:active:not(:disabled){background:var(--pin-accent, var(--brand-spring));border-color:var(--pin-accent, var(--brand-spring));color:#fff;transform:scale(.95)}.keypad__key--back{color:var(--color-text-muted)}.keypad__key:disabled{opacity:.45;cursor:not-allowed}.pinpad{flex:1;width:100%;display:flex;flex-direction:column;align-items:center}.pinpad__message{min-height:1.25rem;margin:0;font-size:13px;text-align:center;color:transparent}.pinpad__message--error{color:var(--color-danger)}.pinpad__dots{display:flex;gap:var(--space-3);margin:var(--space-4) 0 var(--space-5)}.pinpad__dot{display:grid;place-items:center;width:54px;height:54px;border-radius:var(--radius-md);border:2px solid var(--pin-accent, var(--brand-spring));background:var(--color-surface);color:var(--pin-accent, var(--brand-spring));font-size:30px;line-height:1;transition:background-color .2s ease,border-color .2s ease,box-shadow .2s ease}.pinpad__dot--filled{background:var(--pin-accent, var(--brand-spring));border-color:var(--pin-accent, var(--brand-spring));color:#fff}.pinpad__dot--active{box-shadow:0 0 0 4px #3bb5ed2e}.pinpad__dot--error{border-color:var(--color-danger);color:var(--color-danger);background:var(--color-surface)}.pinpad__dot--success{background:var(--color-success);border-color:var(--color-success);color:#fff}.pinpad__dots--shake{animation:pinpad-shake .4s ease}@keyframes pinpad-shake{0%,to{transform:translate(0)}20%{transform:translate(-12px)}40%{transform:translate(12px)}60%{transform:translate(-8px)}80%{transform:translate(8px)}}@media(prefers-reduced-motion:reduce){.pinpad__dots--shake{animation:none}}.pin{min-height:100vh;min-height:100dvh;display:flex;flex-direction:column;background:var(--color-bg);animation:pin-fade-in .4s ease}@keyframes 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var(--color-border);border-radius:var(--radius-lg);box-shadow:var(--shadow-card);padding:var(--space-5);display:flex;flex-direction:column;gap:var(--space-3)}.activate__field{display:flex;flex-direction:column;gap:var(--space-1)}.activate__label{font-size:12px;font-weight:600;color:var(--color-text-muted);letter-spacing:.04em}.activate__input{width:100%;padding:13px 14px;border:1px solid var(--color-border);border-radius:var(--radius-md);font-size:16px;background:var(--color-bg);color:var(--color-text);transition:border-color .15s ease,background-color .15s ease}.activate__input:focus{outline:none;border-color:var(--color-primary);background:var(--color-surface)}.activate__continue{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);margin-top:var(--space-2);padding:14px 16px;border:none;border-radius:var(--radius-md);background:var(--color-primary);color:var(--color-on-primary);font-size:15px;font-weight:700;transition:filter .15s ease,transform .05s 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ease}.account-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:var(--shadow-pop)}.account-card:active{transform:translateY(0)}.account-card--loan{background:linear-gradient(135deg,#0087c5 0%,var(--brand-spring) 100%)}.account-card--savings{background:linear-gradient(135deg,#2f9e7f 0%,var(--brand-mountain) 100%)}.account-card:after{content:"";position:absolute;top:-40%;right:-20%;width:70%;height:180%;background:radial-gradient(closest-side,rgba(255,255,255,.18),transparent);pointer-events:none}.account-card__top{position:relative;display:flex;align-items:flex-start;justify-content:space-between;gap:var(--space-3)}.account-card__type{font-size:14px;font-weight:600;line-height:1.3}.account-card__chip{flex:none;width:34px;height:26px;border-radius:6px;background:linear-gradient(135deg,#ffffffd9,#ffffff73);box-shadow:inset 0 0 0 1px 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ease}.feed-toggle__input:checked+.feed-toggle__track{background:var(--color-primary)}.feed-toggle__input:checked+.feed-toggle__track:after{transform:translate(18px)}.feed{list-style:none;margin:0;padding:0}.feed-row{display:flex;align-items:center;gap:var(--space-3);padding:var(--space-3) 0;border-bottom:1px solid var(--color-line)}.feed-row--link{color:inherit;text-decoration:none;transition:background-color .12s ease}.feed-row--link:hover{text-decoration:none;background:var(--color-surface-alt)}.feed-row--link:active{background:var(--color-surface-alt)}.feed-row__chevron{flex:none;display:inline-flex;color:var(--color-text-muted)}.feed-row__dir{flex:none;width:8px;height:8px;border-radius:50%;background:var(--color-text-muted)}.feed-row__dir--pos{background:var(--color-success)}.feed-row__dir--neg{background:var(--color-danger)}.feed-row__stack{flex:none;display:grid;place-items:center;width:34px;height:34px;border-radius:var(--radius-sm);background:var(--color-primary-soft);color:var(--color-primary)}.feed-row__main{flex:1;display:flex;flex-direction:column;gap:2px;min-width:0}.feed-row__title{font-size:14px;color:var(--color-text);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.feed-row__sub{font-size:12px;color:var(--color-text-muted);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.feed-row__amount{flex:none;font-family:var(--font-numeric);font-size:13.5px;font-weight:600;letter-spacing:-.02em;font-variant-numeric:tabular-nums}.feed-row__amount--pos{color:var(--color-success)}.feed-row__amount--neg{color:var(--color-danger)}.feed-row--rollup{background:linear-gradient(90deg,var(--color-primary-soft),transparent 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var(--color-border);border-radius:var(--radius-md);padding:var(--space-3) var(--space-4);background:var(--color-surface)}.pay__breakdown summary{font-size:13px;font-weight:600;color:var(--color-text);cursor:pointer}.pay__breakdown-list{list-style:none;margin:var(--space-3) 0 0;padding:0;display:flex;flex-direction:column;gap:var(--space-2)}.pay__breakdown-item{display:flex;justify-content:space-between;gap:var(--space-3);font-size:13px}.pay__breakdown-ref{color:var(--color-text)}.pay__breakdown-amount{font-family:var(--font-numeric);color:var(--color-text-muted)}.pay__breakdown-note{margin:var(--space-3) 0 0;font-size:12px;color:var(--color-text-muted)}.pay__cta{margin-top:auto;padding:15px 18px;border:none;border-radius:var(--radius-md);background:var(--color-primary);color:var(--color-on-primary);font-size:15px;font-weight:700;transition:filter .15s 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ease}.stmt__cta:hover:not(:disabled){filter:brightness(1.05)}.stmt__cta:disabled{opacity:.5;cursor:not-allowed}.stmt__note{margin:0;text-align:center;font-size:13px;color:var(--color-text-muted);line-height:1.5}.stmt__skeleton{height:180px;border-radius:var(--radius-lg);background:linear-gradient(100deg,var(--color-surface-alt) 30%,var(--color-border) 50%,var(--color-surface-alt) 70%);background-size:200% 100%;animation:stmt-shimmer 1.4s ease-in-out infinite}@keyframes stmt-shimmer{0%{background-position:200% 0}to{background-position:-200% 0}}.stmt__done{display:flex;flex-direction:column;align-items:center;gap:var(--space-3);text-align:center;padding-top:var(--space-5)}.stmt__check{display:grid;place-items:center;width:64px;height:64px;border-radius:50%;background:var(--color-success);color:#fff}.stmt__check svg{display:block}.stmt__done-title{margin:0;font-size:20px;color:var(--color-text)}.stmt__done-text{margin:0;color:var(--color-text-muted);line-height:1.55}.stmt__done-text 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