/* ============================================
   JP MORGAN CHASE BANK — STYLES
   Corporate identity: navy, white, slate gray
   Sharp edges, institutional weight, no gimmicks
   ============================================ */

/* Google Fonts — Libre Franklin (close to JPMC's typography) */
@import url('https://fonts.googleapis.com/css2?family=Libre+Franklin:wght@300;400;500;600;700&family=Merriweather:wght@400;700&display=swap');

/* ============================================
   CSS CUSTOM PROPERTIES
   ============================================ */

:root {
  /* Brand Colors — true JPMC palette */
  --jpmc-navy:        #003087;
  --jpmc-navy-dark:   #00205c;
  --jpmc-navy-light:  #0a4699;
  --jpmc-blue:        #0066cc;
  --jpmc-blue-light:  #e8f0fb;
  --jpmc-white:       #ffffff;
  --jpmc-off-white:   #f5f6f7;
  --jpmc-light-gray:  #eaebec;
  --jpmc-mid-gray:    #6c757d;
  --jpmc-dark-gray:   #333333;
  --jpmc-black:       #111111;

  /* Semantic tokens */
  --bg-primary:      var(--jpmc-white);
  --bg-secondary:    var(--jpmc-off-white);
  --bg-tertiary:     var(--jpmc-light-gray);
  --bg-card:         var(--jpmc-white);
  --bg-navy:         var(--jpmc-navy);

  --text-primary:    var(--jpmc-black);
  --text-secondary:  var(--jpmc-mid-gray);
  --text-tertiary:   #999999;
  --text-on-navy:    var(--jpmc-white);
  --text-link:       var(--jpmc-blue);

  --border-color:    #d4d5d6;
  --border-light:    #eaebec;
  --border-navy:     var(--jpmc-navy);

  --success:         #2e7d32;
  --success-bg:      #e8f5e9;
  --error:           #c62828;
  --error-bg:        #ffebee;
  --warning:         #e65100;
  --warning-bg:      #fff3e0;
  --info:            var(--jpmc-navy);
  --info-bg:         var(--jpmc-blue-light);

  /* Shadows — subtle, not dramatic */
  --shadow-xs:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-sm:  0 2px 6px rgba(0,0,0,0.10);
  --shadow-md:  0 4px 12px rgba(0,0,0,0.12);
  --shadow-lg:  0 8px 24px rgba(0,0,0,0.14);

  /* Radii — JPMC uses very minimal rounding */
  --radius-none: 0;
  --radius-xs:   2px;
  --radius-sm:   4px;
  --radius-md:   4px;
  --radius-lg:   4px;

  /* Typography */
  --font-body:    'Libre Franklin', 'Franklin Gothic Medium', Arial, sans-serif;
  --font-serif:   'Merriweather', Georgia, serif;

  --transition: all 0.18s ease;
}

/* ============================================
   RESET & BASE
   ============================================ */

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text-primary);
  background-color: var(--bg-primary);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul, ol {
  list-style: none;
}

/* ============================================
   TYPOGRAPHY
   ============================================ */

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-body);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-primary);
  margin-bottom: 0.75rem;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); }
h3 { font-size: clamp(1.125rem, 2.5vw, 1.375rem); }
h4 { font-size: 1.125rem; }
h5 { font-size: 1rem; }
h6 { font-size: 0.875rem; }

p {
  margin-bottom: 1rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

a {
  color: var(--text-link);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--jpmc-navy-dark);
  text-decoration: underline;
}

small {
  font-size: 0.8125rem;
  color: var(--text-tertiary);
}

/* ============================================
   JPMC LOGO SVG — inline via CSS background
   ============================================ */

/* The JPMC logo octagon mark — built as inline SVG data URI */
.jpmc-logo-mark {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 36 36'%3E%3Cpolygon points='10,2 26,2 34,10 34,26 26,34 10,34 2,26 2,10' fill='%23003087'/%3E%3Cpolygon points='12,5 24,5 31,12 31,24 24,31 12,31 5,24 5,12' fill='white'/%3E%3Cpolygon points='14,8 22,8 28,14 28,22 22,28 14,28 8,22 8,14' fill='%23003087'/%3E%3C/svg%3E");
  background-size: contain;
  background-repeat: no-repeat;
  background-position: center;
}

/* Dark background variant */
.jpmc-logo-mark--white {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 36 36'%3E%3Cpolygon points='10,2 26,2 34,10 34,26 26,34 10,34 2,26 2,10' fill='white'/%3E%3Cpolygon points='12,5 24,5 31,12 31,24 24,31 12,31 5,24 5,12' fill='%23003087'/%3E%3Cpolygon points='14,8 22,8 28,14 28,22 22,28 14,28 8,22 8,14' fill='white'/%3E%3C/svg%3E");
}

/* ============================================
   TOP UTILITY BAR
   ============================================ */

.utility-bar {
  background-color: var(--jpmc-navy-dark);
  padding: 0.375rem 1.5rem;
  font-size: 0.75rem;
}

.utility-bar-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 1.5rem;
}

.utility-bar a {
  color: rgba(255,255,255,0.8);
  font-size: 0.75rem;
  text-decoration: none;
  letter-spacing: 0.02em;
}

.utility-bar a:hover {
  color: #fff;
  text-decoration: underline;
}

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

nav {
  background-color: var(--jpmc-white);
  border-bottom: 3px solid var(--jpmc-navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-xs);
}

.nav-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: stretch;
  height: 64px;
  gap: 1rem;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--jpmc-navy);
  text-decoration: none;
  letter-spacing: -0.01em;
  white-space: nowrap;
  flex-shrink: 0;
}

.logo:hover {
  color: var(--jpmc-navy);
  text-decoration: none;
}

.logo-text {
  line-height: 1.15;
  font-size: 0.9375rem;
}

.logo-text span {
  display: block;
  font-weight: 400;
  font-size: 0.75rem;
  color: var(--jpmc-mid-gray);
  letter-spacing: 0.03em;
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: stretch;
  gap: 0;
  margin-left: auto;
  margin-right: 1rem;
}

.nav-links a {
  display: flex;
  align-items: center;
  padding: 0 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--jpmc-dark-gray);
  text-decoration: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -3px;
  transition: color 0.15s ease, border-color 0.15s ease;
  white-space: nowrap;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--jpmc-navy);
  border-bottom-color: var(--jpmc-navy);
  text-decoration: none;
}

/* Nav action buttons */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* Hamburger */
.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border-color);
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  padding: 0;
  transition: var(--transition);
}

.menu-toggle:hover {
  border-color: var(--jpmc-navy);
  background: var(--bg-secondary);
}

.menu-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  background-color: var(--jpmc-dark-gray);
  border-radius: 1px;
  transition: var(--transition);
}

/* Mobile nav */
@media (max-width: 768px) {
  .menu-toggle {
    display: flex;
  }

  .utility-bar { display: none; }

  .nav-links {
    position: fixed;
    top: 64px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--jpmc-white);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    margin: 0;
    padding: 0.5rem 0 2rem;
    overflow-y: auto;
    border-top: 1px solid var(--border-color);
    box-shadow: var(--shadow-lg);
    transform: translateX(-100%);
    transition: transform 0.28s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 999;
  }

  .nav-links.active {
    transform: translateX(0);
  }

  .nav-links a {
    padding: 1rem 1.5rem;
    border-bottom: 1px solid var(--border-light);
    border-left: 3px solid transparent;
    margin-bottom: 0;
    font-size: 0.9375rem;
  }

  .nav-links a:hover,
  .nav-links a.active {
    border-left-color: var(--jpmc-navy);
    border-bottom-color: var(--border-light);
    background: var(--bg-secondary);
  }

  .nav-actions {
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 1.5rem;
    gap: 0.75rem;
  }

  .nav-actions .btn-primary,
  .nav-actions .btn-secondary {
    width: 100%;
    text-align: center;
  }
}

/* Dashboard nav variant */
.dashboard-nav .logo-section {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}

.bank-logo {
  width: 36px;
  height: 36px;
}

.user-info {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-left: auto;
  padding: 0 0.75rem;
  border-left: 1px solid var(--border-light);
}

.avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--jpmc-navy);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.875rem;
  position: relative;
  flex-shrink: 0;
}

.online-dot {
  position: absolute;
  bottom: 1px;
  right: 1px;
  width: 9px;
  height: 9px;
  background-color: var(--success);
  border: 2px solid var(--jpmc-white);
  border-radius: 50%;
}

.account-name {
  font-weight: 600;
  font-size: 0.875rem;
  color: var(--text-primary);
}

@media (max-width: 600px) {
  .account-name { display: none; }
  .user-info { border-left: none; padding: 0; margin-left: 0; }
}

/* ============================================
   BUTTONS
   ============================================ */

.btn-primary,
.btn-secondary,
.btn-danger,
.btn-ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.625rem 1.5rem;
  font-family: var(--font-body);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  border: 2px solid transparent;
  border-radius: var(--radius-xs);
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition);
  white-space: nowrap;
  line-height: 1;
}

.btn-primary {
  background-color: var(--jpmc-navy);
  color: white;
  border-color: var(--jpmc-navy);
}

.btn-primary:hover {
  background-color: var(--jpmc-navy-dark);
  border-color: var(--jpmc-navy-dark);
  color: white;
  text-decoration: none;
}

.btn-secondary {
  background-color: transparent;
  color: var(--jpmc-navy);
  border-color: var(--jpmc-navy);
}

.btn-secondary:hover {
  background-color: var(--jpmc-navy);
  color: white;
  text-decoration: none;
}

.btn-ghost {
  background-color: transparent;
  color: var(--jpmc-white);
  border-color: var(--jpmc-white);
}

.btn-ghost:hover {
  background-color: var(--jpmc-white);
  color: var(--jpmc-navy);
  text-decoration: none;
}

.btn-danger {
  background-color: var(--error);
  color: white;
  border-color: var(--error);
}

.btn-danger:hover {
  background-color: #a31515;
  border-color: #a31515;
}

.full-width { width: 100%; }

button:disabled,
.btn-primary:disabled,
.btn-secondary:disabled {
  opacity: 0.45;
  cursor: not-allowed;
  pointer-events: none;
}

/* ============================================
   HERO SECTION
   ============================================ */

.hero {
  position: relative;
  min-height: 520px;
  display: flex;
  align-items: center;
  background-color: var(--jpmc-navy-dark);
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80');
  background-size: cover;
  background-position: center 30%;
  opacity: 0.22;
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 1280px;
  width: 100%;
  margin: 0 auto;
  padding: 5rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 4rem;
}

.hero-content {
  max-width: 580px;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  margin-bottom: 1rem;
}

.hero-content h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 700;
  color: white;
  line-height: 1.1;
  margin-bottom: 1.25rem;
}

.hero-content p {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 2rem;
  line-height: 1.75;
}

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

/* Stats strip below hero */
.hero-stats {
  background-color: var(--jpmc-navy);
  border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stats-inner {
  max-width: 1280px;
  margin: 0 auto;
  padding: 1.5rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  divide-x: 1px solid rgba(255,255,255,0.15);
}

.stat-item {
  text-align: center;
  padding: 0.75rem 1rem;
  border-right: 1px solid rgba(255,255,255,0.15);
}

.stat-item:last-child {
  border-right: none;
}

.stat-number {
  display: block;
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
  line-height: 1;
}

.stat-label {
  display: block;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  margin-top: 0.25rem;
  letter-spacing: 0.04em;
}

@media (max-width: 480px) {
  .hero-stats-inner {
    grid-template-columns: 1fr;
  }
  .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.12);
    padding: 0.625rem;
  }
  .stat-item:last-child { border-bottom: none; }
}

/* ============================================
   SECTION COMMON
   ============================================ */

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 3rem;
}

.section-header h2 {
  margin-bottom: 0.75rem;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--jpmc-navy);
  margin-bottom: 0.625rem;
  border-bottom: 2px solid var(--jpmc-navy);
  padding-bottom: 2px;
}

/* ============================================
   FEATURES SECTION
   ============================================ */

.features {
  background-color: var(--bg-secondary);
  padding: 5rem 1.5rem;
}

.features-container {
  max-width: 1280px;
  margin: 0 auto;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.feature-card {
  background-color: var(--bg-card);
  padding: 2rem 1.75rem;
  border: 1px solid var(--border-color);
  border-top: 3px solid var(--jpmc-navy);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.feature-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.feature-icon-wrap {
  width: 44px;
  height: 44px;
  background-color: var(--jpmc-blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  border-radius: var(--radius-xs);
}

/* SVG icon color */
.feature-icon-wrap svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: var(--jpmc-navy);
  stroke-width: 1.75;
}

.feature-card h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--jpmc-dark-gray);
}

.feature-card p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin: 0;
  line-height: 1.65;
}

/* ============================================
   SERVICES SECTION
   ============================================ */

.services {
  padding: 5rem 1.5rem;
  background-color: var(--bg-primary);
}

.services-container {
  max-width: 1280px;
  margin: 0 auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.service-card {
  border: 1px solid var(--border-color);
  padding: 1.75rem;
  background: var(--bg-card);
  position: relative;
  transition: var(--transition);
}

.service-card::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 3px;
  background-color: transparent;
  transition: background-color 0.2s ease;
}

.service-card:hover::before {
  background-color: var(--jpmc-navy);
}

.service-card:hover {
  box-shadow: var(--shadow-sm);
}

.service-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--jpmc-navy);
  margin-bottom: 0.625rem;
  display: flex;
  align-items: center;
  gap: 0.625rem;
}

.service-icon {
  width: 28px;
  height: 28px;
  flex-shrink: 0;
}

.service-icon svg {
  width: 100%;
  height: 100%;
  fill: none;
  stroke: var(--jpmc-navy);
  stroke-width: 1.75;
}

.service-card p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 1rem;
}

.service-features {
  list-style: none;
  margin: 0;
  padding: 0;
}

.service-features li {
  padding: 0.4rem 0;
  font-size: 0.875rem;
  color: var(--text-secondary);
  padding-left: 1.25rem;
  position: relative;
}

.service-features li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.65rem;
  width: 6px;
  height: 6px;
  border-top: 1.5px solid var(--jpmc-navy);
  border-right: 1.5px solid var(--jpmc-navy);
  transform: rotate(45deg);
}

/* ============================================
   NEWSLETTER
   ============================================ */

.newsletter {
  background-color: var(--jpmc-navy);
  padding: 4rem 1.5rem;
}

.newsletter-container {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}

.newsletter h2 {
  color: white;
  margin-bottom: 0.75rem;
}

.newsletter p {
  color: rgba(255,255,255,0.75);
  margin-bottom: 2rem;
}

.newsletter-form {
  display: flex;
  gap: 0;
  max-width: 480px;
  margin: 0 auto;
}

.newsletter-input {
  flex: 1;
  padding: 0.75rem 1.125rem;
  border: 2px solid rgba(255,255,255,0.3);
  border-right: none;
  background: rgba(255,255,255,0.1);
  color: white;
  font-family: var(--font-body);
  font-size: 0.875rem;
  outline: none;
  transition: border-color 0.2s;
}

.newsletter-input::placeholder {
  color: rgba(255,255,255,0.5);
}

.newsletter-input:focus {
  border-color: rgba(255,255,255,0.7);
}

.newsletter-form .btn-primary {
  background-color: white;
  color: var(--jpmc-navy);
  border-color: white;
  border-radius: 0;
  border-left: none;
  flex-shrink: 0;
}

.newsletter-form .btn-primary:hover {
  background-color: var(--jpmc-light-gray);
  border-color: var(--jpmc-light-gray);
  color: var(--jpmc-navy);
}

@media (max-width: 480px) {
  .newsletter-form {
    flex-direction: column;
  }
  .newsletter-input {
    border: 2px solid rgba(255,255,255,0.3);
    border-bottom: none;
  }
  .newsletter-input:focus { border-color: rgba(255,255,255,0.7); }
  .newsletter-form .btn-primary {
    border: none;
    border-radius: 0;
    padding: 0.875rem;
  }
}

/* ============================================
   CTA SECTION
   ============================================ */

.cta {
  padding: 5rem 1.5rem;
  text-align: center;
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
}

.cta h2 { margin-bottom: 0.75rem; }
.cta p {
  font-size: 1rem;
  max-width: 480px;
  margin: 0 auto 2rem;
  color: var(--text-secondary);
}

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

footer {
  background-color: var(--jpmc-navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 3.5rem 1.5rem 0;
}

.footer-container {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 2rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}

.footer-column h4 {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: white;
  margin-bottom: 1rem;
}

.footer-column ul li {
  margin-bottom: 0.5rem;
}

.footer-column ul li a {
  color: rgba(255,255,255,0.6);
  font-size: 0.875rem;
  text-decoration: none;
  transition: color 0.15s;
}

.footer-column ul li a:hover {
  color: white;
  text-decoration: underline;
}

.footer-bottom {
  max-width: 1280px;
  margin: 0 auto;
  padding: 1.5rem 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
}

.footer-bottom p,
.footer-bottom small {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  margin: 0;
}

.footer-legal {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
}

.footer-legal a {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
}

.footer-legal a:hover {
  color: rgba(255,255,255,0.8);
  text-decoration: underline;
}

@media (max-width: 600px) {
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ============================================
   LOGIN PAGE
   ============================================ */

.login-hero {
  min-height: calc(100vh - 67px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 1rem;
  background-color: var(--jpmc-off-white);
  background-image:
    linear-gradient(rgba(0,32,92,0.92), rgba(0,32,92,0.80)),
    url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80');
  background-size: cover;
  background-position: center;
}

.login-container {
  width: 100%;
  max-width: 420px;
}

.login-form-card {
  background-color: white;
  padding: 2.5rem 2.25rem;
  box-shadow: var(--shadow-lg);
  border-top: 4px solid var(--jpmc-navy);
}

.login-brand {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  margin-bottom: 2rem;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--border-light);
}

.login-brand-text {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--jpmc-navy);
  line-height: 1.2;
}

.login-brand-sub {
  font-size: 0.6875rem;
  font-weight: 400;
  color: var(--text-secondary);
  letter-spacing: 0.03em;
}

.login-form-card h2 {
  font-size: 1.375rem;
  margin-bottom: 0.375rem;
  color: var(--jpmc-dark-gray);
}

.login-subtitle {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 1.75rem;
}

.login-footer {
  text-align: center;
  margin-top: 1.5rem;
  font-size: 0.8125rem;
  color: var(--text-secondary);
}

/* ============================================
   FORMS
   ============================================ */

.form-group {
  margin-bottom: 1.25rem;
}

.form-group label {
  display: block;
  margin-bottom: 0.375rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--jpmc-dark-gray);
  letter-spacing: 0.01em;
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="password"],
.form-group input[type="number"],
.form-group input[type="date"],
.form-group input[type="tel"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.625rem 0.875rem;
  border: 1px solid var(--border-color);
  border-radius: var(--radius-xs);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  background-color: white;
  color: var(--text-primary);
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
  appearance: none;
  -webkit-appearance: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--jpmc-navy);
  box-shadow: 0 0 0 2px rgba(0, 48, 135, 0.15);
}

.form-group input.is-invalid,
.form-group select.is-invalid,
.form-group textarea.is-invalid {
  border-color: var(--error);
  box-shadow: 0 0 0 2px rgba(198, 40, 40, 0.12);
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.875rem center;
  padding-right: 2.5rem;
}

.form-group textarea {
  resize: vertical;
  min-height: 100px;
}

.form-group small {
  display: block;
  margin-top: 0.3rem;
  font-size: 0.75rem;
  color: var(--text-secondary);
}

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

@media (max-width: 480px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

.form-options {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.checkbox-label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--text-secondary);
  cursor: pointer;
}

.checkbox-label input[type="checkbox"] {
  width: 15px;
  height: 15px;
  accent-color: var(--jpmc-navy);
  cursor: pointer;
}

.forgot-link {
  font-size: 0.8125rem;
  color: var(--text-link);
}

.forgot-link:hover {
  text-decoration: underline;
}

/* ============================================
   ALERTS & MESSAGES
   ============================================ */

.alert {
  padding: 0.875rem 1.125rem;
  border-left: 4px solid;
  font-size: 0.875rem;
  margin-bottom: 1.25rem;
  border-radius: 0 var(--radius-xs) var(--radius-xs) 0;
}

.alert.success  { background: var(--success-bg);  border-color: var(--success);  color: var(--success);  }
.alert.error    { background: var(--error-bg);    border-color: var(--error);    color: var(--error);    }
.alert.warning  { background: var(--warning-bg);  border-color: var(--warning);  color: var(--warning);  }
.alert.info     { background: var(--info-bg);     border-color: var(--info);     color: var(--info);     }

/* ============================================
   STATUS INDICATORS
   ============================================ */

.status-indicator {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  padding: 0.2rem 0.625rem;
  border-radius: 2px;
}

.status-active    { background: var(--success-bg);  color: var(--success);  }
.status-on_hold   { background: var(--warning-bg);  color: var(--warning);  }
.status-locked    { background: var(--error-bg);    color: var(--error);    }
.status-inactive  { background: var(--bg-tertiary); color: var(--text-secondary); }

/* ============================================
   DASHBOARD
   ============================================ */

.dashboard-hero {
  background-color: var(--bg-secondary);
  min-height: calc(100vh - 67px);
  padding: 2.5rem 1.5rem 4rem;
}

.dashboard-container {
  max-width: 1100px;
  margin: 0 auto;
}

.dashboard-container > h1 {
  font-size: clamp(1.25rem, 3vw, 1.625rem);
  margin-bottom: 0.25rem;
  color: var(--jpmc-dark-gray);
}

.dashboard-subtitle {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 2rem;
}

/* Balance Cards */
.balance-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
  margin-bottom: 2rem;
}

.balance-card {
  background-color: white;
  border: 1px solid var(--border-color);
  border-top: 3px solid var(--jpmc-navy);
  padding: 1.5rem;
  transition: box-shadow 0.2s;
}

.balance-card:hover {
  box-shadow: var(--shadow-sm);
}

.balance-card.card-balance {
  border-top-color: var(--jpmc-mid-gray);
}

.card-header {
  margin-bottom: 1rem;
}

.card-header h3 {
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  margin-bottom: 0.5rem;
}

.balance-amount {
  display: block;
  font-size: 1.875rem;
  font-weight: 700;
  color: var(--jpmc-dark-gray);
  letter-spacing: -0.02em;
  font-family: var(--font-serif);
}

.card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid var(--border-light);
  padding-top: 0.75rem;
}

.card-footer p {
  font-size: 0.75rem;
  color: var(--text-tertiary);
  margin: 0;
}

/* Account Info Card */
.account-info-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1.75rem;
  margin-bottom: 2rem;
}

.account-info-card h3 {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--jpmc-navy);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-light);
}

.info-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 0;
}

.info-item {
  padding: 0.875rem 0;
  border-bottom: 1px solid var(--border-light);
}

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

.info-item label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  margin-bottom: 0.25rem;
}

.info-item span {
  font-size: 0.9375rem;
  color: var(--text-primary);
  font-weight: 500;
}

.info-actions {
  margin-top: 1.25rem;
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

/* Quick Actions */
.quick-actions {
  margin-top: 0.5rem;
}

.quick-actions h3 {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  margin-bottom: 1rem;
}

.actions-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1rem;
}

.action-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1.5rem 1.25rem;
  text-decoration: none;
  transition: var(--transition);
  display: block;
  border-left: 3px solid transparent;
}

.action-card:hover {
  border-left-color: var(--jpmc-navy);
  box-shadow: var(--shadow-sm);
  text-decoration: none;
  transform: translateY(-1px);
}

.action-icon-wrap {
  width: 40px;
  height: 40px;
  background-color: var(--jpmc-blue-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}

.action-icon-wrap svg {
  width: 20px;
  height: 20px;
  stroke: var(--jpmc-navy);
  stroke-width: 1.75;
  fill: none;
}

.action-card h4 {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--jpmc-navy);
  margin-bottom: 0.25rem;
}

.action-card p {
  font-size: 0.8125rem;
  color: var(--text-secondary);
  margin: 0;
}

/* ============================================
   TRANSACTIONS / HISTORY
   ============================================ */

.transactions-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1.75rem;
  overflow-x: auto;
}

.transactions-card h3 {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--jpmc-navy);
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-light);
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}

thead th {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  text-align: left;
  padding: 0.75rem 0.875rem;
  border-bottom: 2px solid var(--border-color);
  white-space: nowrap;
  background: var(--bg-secondary);
}

tbody tr {
  border-bottom: 1px solid var(--border-light);
  transition: background 0.1s;
}

tbody tr:hover {
  background-color: var(--jpmc-blue-light);
}

tbody tr:last-child { border-bottom: none; }

tbody td {
  padding: 0.875rem;
  color: var(--text-primary);
  vertical-align: middle;
}

.txn-credit { color: var(--success); font-weight: 600; }
.txn-debit  { color: var(--error);   font-weight: 600; }

.txn-badge {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 0.15rem 0.5rem;
  border-radius: 2px;
  text-transform: uppercase;
}

.txn-badge.completed { background: var(--success-bg); color: var(--success); }
.txn-badge.pending   { background: var(--warning-bg); color: var(--warning); }
.txn-badge.failed    { background: var(--error-bg);   color: var(--error);   }

/* ============================================
   PROFILE / SETTINGS PAGES
   ============================================ */

.profile-section,
.settings-section {
  background-color: var(--bg-secondary);
  min-height: calc(100vh - 67px);
  padding: 2.5rem 1.5rem 4rem;
}

.profile-container,
.settings-container {
  max-width: 860px;
  margin: 0 auto;
}

.page-title {
  font-size: clamp(1.25rem, 3vw, 1.625rem);
  margin-bottom: 0.25rem;
  color: var(--jpmc-dark-gray);
}

.page-subtitle {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 2rem;
}

.profile-card,
.settings-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 2rem;
  margin-bottom: 1.5rem;
}

.profile-card h3,
.settings-card h3 {
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--jpmc-navy);
  margin-bottom: 1.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-light);
}

.profile-header {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.avatar-large {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background-color: var(--jpmc-navy);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.625rem;
  font-weight: 700;
  flex-shrink: 0;
}

.profile-actions,
.info-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
}

/* Settings tabs */
.settings-tabs {
  display: flex;
  gap: 0;
  border-bottom: 2px solid var(--border-color);
  margin-bottom: 2rem;
  overflow-x: auto;
}

.tab {
  padding: 0.75rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  white-space: nowrap;
  background: none;
  border-top: none;
  border-left: none;
  border-right: none;
  font-family: var(--font-body);
  transition: var(--transition);
}

.tab:hover { color: var(--jpmc-navy); }

.tab.active {
  color: var(--jpmc-navy);
  border-bottom-color: var(--jpmc-navy);
}

.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ============================================
   CARDS PAGE
   ============================================ */

.cards-section {
  background-color: var(--bg-secondary);
  min-height: calc(100vh - 67px);
  padding: 2.5rem 1.5rem 4rem;
}

.cards-container {
  max-width: 1100px;
  margin: 0 auto;
}

.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.virtual-card {
  background: linear-gradient(135deg, var(--jpmc-navy-dark) 0%, var(--jpmc-navy) 60%, #004aad 100%);
  color: white;
  padding: 1.75rem;
  border-radius: 8px;
  position: relative;
  overflow: hidden;
  aspect-ratio: 1.586 / 1;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: var(--shadow-md);
  min-height: 180px;
}

.virtual-card::before {
  content: '';
  position: absolute;
  right: -40px;
  top: -40px;
  width: 180px;
  height: 180px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
}

.virtual-card::after {
  content: '';
  position: absolute;
  right: 30px;
  bottom: -50px;
  width: 200px;
  height: 200px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}

.card-chip {
  width: 36px;
  height: 28px;
  background: linear-gradient(135deg, #d4af37, #c9a227);
  border-radius: 4px;
}

.card-number {
  font-size: 1rem;
  letter-spacing: 0.2em;
  font-family: 'Courier New', monospace;
  opacity: 0.9;
}

.card-meta {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}

.card-meta-label {
  font-size: 0.625rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.6;
}

.card-meta-value {
  font-size: 0.875rem;
  font-weight: 600;
}

.card-network {
  width: 46px;
  opacity: 0.9;
}

/* ============================================
   LOANS PAGE
   ============================================ */

.loans-section {
  background-color: var(--bg-secondary);
  min-height: calc(100vh - 67px);
  padding: 2.5rem 1.5rem 4rem;
}

.loans-container {
  max-width: 860px;
  margin: 0 auto;
}

.loan-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1.75rem;
  margin-bottom: 1.25rem;
  border-left: 4px solid var(--jpmc-navy);
}

.loan-card h4 {
  font-size: 1rem;
  color: var(--jpmc-navy);
  margin-bottom: 0.5rem;
}

/* ============================================
   TRANSFER PAGE
   ============================================ */

.transfer-section {
  background-color: var(--bg-secondary);
  min-height: calc(100vh - 67px);
  padding: 2.5rem 1.5rem 4rem;
}

.transfer-container {
  max-width: 680px;
  margin: 0 auto;
}

/* Progress Stepper */
.stepper {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 2rem;
  overflow-x: auto;
  padding: 0.5rem 0;
  gap: 0;
}

.step {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-secondary);
  padding: 0.5rem 0.75rem;
  white-space: nowrap;
  position: relative;
}

.step-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 2px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.6875rem;
  font-weight: 700;
  flex-shrink: 0;
  background: white;
  color: var(--text-secondary);
  transition: var(--transition);
}

.step.active .step-num {
  background-color: var(--jpmc-navy);
  border-color: var(--jpmc-navy);
  color: white;
}

.step.active {
  color: var(--jpmc-navy);
}

.step.completed .step-num {
  background-color: var(--success);
  border-color: var(--success);
  color: white;
}

.step-connector {
  flex: 1;
  height: 2px;
  background-color: var(--border-color);
  min-width: 20px;
}

.step.completed + .step-connector {
  background-color: var(--success);
}

.transfer-form-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 2rem;
  border-top: 3px solid var(--jpmc-navy);
}

.transfer-form-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--jpmc-dark-gray);
  margin-bottom: 1.5rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border-light);
}

.radio-group {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin: 1.25rem 0;
}

.radio-group label {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.25rem;
  border: 1px solid var(--border-color);
  cursor: pointer;
  transition: var(--transition);
}

.radio-group label:hover {
  border-color: var(--jpmc-navy);
  background-color: var(--jpmc-blue-light);
}

.radio-group input[type="radio"]:checked + span,
.radio-group label:has(input:checked) {
  border-color: var(--jpmc-navy);
  background: var(--jpmc-blue-light);
}

.radio-group input[type="radio"] {
  width: 18px;
  height: 18px;
  accent-color: var(--jpmc-navy);
  cursor: pointer;
  flex-shrink: 0;
}

.account-select {
  margin: 1.25rem 0;
}

.account-select label {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem;
  border: 1px solid var(--border-color);
  margin-bottom: 0.75rem;
  cursor: pointer;
  transition: var(--transition);
}

.account-select label:hover {
  border-color: var(--jpmc-navy);
  background-color: var(--jpmc-blue-light);
}

.account-select input[type="radio"] {
  width: 18px;
  height: 18px;
  accent-color: var(--jpmc-navy);
}

.nav-buttons {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

.transfer-summary {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  padding: 1.25rem;
  margin-bottom: 1.5rem;
}

.transfer-summary .info-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.625rem 0;
  border-bottom: 1px solid var(--border-light);
  gap: 1rem;
}

.transfer-summary .info-row:last-child {
  border-bottom: none;
}

.transfer-summary .info-row label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-secondary);
}

.transfer-summary .info-row span {
  font-size: 0.9375rem;
  color: var(--text-primary);
  font-weight: 500;
}

.transfer-summary .fee {
  color: var(--error);
  font-weight: 700;
}

.security-notice {
  background-color: var(--jpmc-blue-light);
  padding: 1.25rem;
  border-left: 4px solid var(--jpmc-navy);
  margin-top: 1.5rem;
}

.security-notice h4 {
  font-size: 0.8125rem;
  font-weight: 700;
  color: var(--jpmc-navy);
  margin-bottom: 0.375rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.security-notice p {
  font-size: 0.8125rem;
  color: var(--text-secondary);
  margin: 0;
}

/* ============================================
   ANALYSIS / CHARTS PLACEHOLDER
   ============================================ */

.analysis-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.analysis-card {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1.5rem;
}

.analysis-card h4 {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-secondary);
  margin-bottom: 1rem;
}

/* ============================================
   PAGINATION
   ============================================ */

.pagination {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.375rem;
  margin-top: 2rem;
  flex-wrap: wrap;
}

.pagination a,
.pagination span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 36px;
  height: 36px;
  padding: 0 0.625rem;
  border: 1px solid var(--border-color);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-primary);
  text-decoration: none;
  transition: var(--transition);
}

.pagination a:hover {
  border-color: var(--jpmc-navy);
  color: var(--jpmc-navy);
  text-decoration: none;
}

.pagination .current {
  background: var(--jpmc-navy);
  border-color: var(--jpmc-navy);
  color: white;
}

/* ============================================
   FILTER BAR
   ============================================ */

.filter-bar {
  background: white;
  border: 1px solid var(--border-color);
  padding: 1rem 1.25rem;
  margin-bottom: 1.5rem;
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  align-items: flex-end;
}

.filter-bar .form-group {
  margin: 0;
  flex: 1;
  min-width: 140px;
}

.filter-bar .form-group label {
  font-size: 0.6875rem;
  margin-bottom: 0.25rem;
}

/* ============================================
   RESTRICTED / BLOCKED STATE
   ============================================ */

.restricted-notice {
  background: var(--error-bg);
  border: 1px solid var(--error);
  border-left: 4px solid var(--error);
  padding: 1.5rem;
  margin-bottom: 2rem;
}

.restricted-notice h4 {
  color: var(--error);
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-bottom: 0.375rem;
}

.restricted-notice p {
  font-size: 0.875rem;
  color: var(--text-primary);
  margin: 0;
}

/* ============================================
   RESPONSIVE — TABLET
   ============================================ */

@media (max-width: 768px) {
  .hero-inner {
    padding: 3.5rem 1.5rem;
    flex-direction: column;
    gap: 2rem;
  }

  .hero-content {
    max-width: 100%;
    text-align: center;
  }

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

  .features-grid,
  .services-grid,
  .actions-grid {
    grid-template-columns: 1fr;
  }

  .balance-cards {
    grid-template-columns: 1fr;
  }

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

  .profile-header {
    flex-direction: column;
    text-align: center;
  }

  .profile-actions,
  .info-actions {
    justify-content: center;
  }

  .settings-tabs {
    gap: 0;
  }

  .stepper {
    font-size: 0.6875rem;
  }

  .nav-buttons {
    flex-direction: column;
  }

  .transfer-summary .info-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.25rem;
  }

  .filter-bar {
    flex-direction: column;
  }

  .filter-bar .form-group {
    min-width: 100%;
  }

  .cards-grid {
    grid-template-columns: 1fr;
    max-width: 380px;
  }

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

/* ============================================
   RESPONSIVE — MOBILE
   ============================================ */

@media (max-width: 480px) {
  html { font-size: 15px; }

  .nav-container { padding: 0 1rem; }

  .login-form-card { padding: 1.75rem 1.25rem; }

  .dashboard-hero,
  .profile-section,
  .settings-section,
  .cards-section,
  .loans-section,
  .transfer-section {
    padding: 2rem 1rem 3rem;
  }

  .balance-amount { font-size: 1.5rem; }

  .account-info-card,
  .profile-card,
  .settings-card,
  .transfer-form-card,
  .transactions-card {
    padding: 1.25rem;
  }

  .virtual-card { padding: 1.25rem; }

  .stepper { flex-wrap: nowrap; overflow-x: auto; }

  .step { font-size: 0;  }
  .step-num { font-size: 0.6875rem; }
  .step.active { font-size: 0.6875rem; }

  .pagination a,
  .pagination span {
    min-width: 32px;
    height: 32px;
    font-size: 0.8125rem;
  }

  table { font-size: 0.8125rem; }
  thead th, tbody td { padding: 0.625rem 0.625rem; }
}

/* ============================================
   PRINT
   ============================================ */

@media print {
  nav, footer, .menu-toggle, .quick-actions,
  .hero-buttons, .newsletter, .cta,
  .nav-actions, .btn-primary, .btn-secondary { display: none !important; }

  body { background: white; color: black; }

  .balance-card, .account-info-card,
  .profile-card, .transactions-card {
    box-shadow: none;
    border: 1px solid #ccc;
  }
}

/* ============================================
   ACCESSIBILITY
   ============================================ */

*:focus-visible {
  outline: 2px solid var(--jpmc-navy);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* ============================================
   UTILITIES
   ============================================ */

.text-center  { text-align: center; }
.text-right   { text-align: right; }
.text-navy    { color: var(--jpmc-navy); }
.text-success { color: var(--success); }
.text-error   { color: var(--error); }
.text-muted   { color: var(--text-secondary); }

.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }

.d-none   { display: none; }
.d-block  { display: block; }
.d-flex   { display: flex; }

.divider {
  border: none;
  border-top: 1px solid var(--border-color);
  margin: 1.5rem 0;
}

/* Section spacing helpers */
.section-pad { padding: 5rem 1.5rem; }
@media (max-width: 768px) { .section-pad { padding: 3.5rem 1.25rem; } }
@media (max-width: 480px) { .section-pad { padding: 2.5rem 1rem; } }