:root {
      --zando-black: #0a0a0f;
      --zando-black-light: #111118;
      --zando-black-card: #1a1a24;
      --zando-orange: #ffb347;
      --zando-orange-light: #ffcc80;
      --zando-orange-dark: #ff8c42;
      --zando-orange-glow: rgba(255, 179, 71, 0.25);
      --zando-text: #e8e8f0;
      --zando-text-secondary: #a0a0b0;
      --zando-text-muted: #6a6a7a;
      --zando-white: #ffffff;
      --zando-success: #4ade80;
      --zando-danger: #f87171;
      --mpesa-red: #e60000;
      --orange-money: #ff6600;
      --airtel-red: #ff0000;
      --visa-blue: #1a1f71;
      --visa-gold: #d4af37;
    }

    * { margin: 0; padding: 0; box-sizing: border-box; }
    html { scroll-behavior: smooth; }

    body {
      font-family: 'Inter', sans-serif;
      background: var(--zando-black);
      color: var(--zando-text);
      min-height: 100vh;
      overflow-x: hidden;
      line-height: 1.7;
    }

    ::-webkit-scrollbar { width: 6px; }
    ::-webkit-scrollbar-track { background: var(--zando-black); }
    ::-webkit-scrollbar-thumb { background: rgba(255,179,71,0.2); border-radius: 3px; }

    #particlesCanvas {
      position: fixed; top: 0; left: 0;
      width: 100%; height: 100%;
      pointer-events: none; z-index: 0;
    }

    .grid-overlay {
      position: fixed; top: 0; left: 0;
      width: 100%; height: 100%;
      background-image:
        linear-gradient(rgba(255,179,71,0.012) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,179,71,0.012) 1px, transparent 1px);
      background-size: 60px 60px;
      pointer-events: none; z-index: 0;
    }

    .scan-line {
      position: fixed; top: 0; left: 0;
      width: 100%; height: 2px;
      background: linear-gradient(90deg, transparent, var(--zando-orange), transparent);
      opacity: 0.12;
      animation: scan 6s linear infinite;
      pointer-events: none; z-index: 9999;
    }

    @keyframes scan { 0% { top: 0; } 100% { top: 100vh; } }

    .container {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 24px;
      position: relative; z-index: 1;
    }

    /* ===== TOAST NOTIFICATIONS ===== */
    .toast-container {
      position: fixed;
      top: 90px; right: 24px;
      z-index: 10001;
      display: flex;
      flex-direction: column;
      gap: 10px;
    }

    .toast {
      padding: 14px 20px;
      border-radius: 12px;
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.15);
      color: var(--zando-white);
      font-size: 0.9rem;
      font-weight: 500;
      display: flex;
      align-items: center;
      gap: 10px;
      animation: toastIn 0.4s ease, toastOut 0.4s ease 3s forwards;
      box-shadow: 0 10px 40px rgba(0,0,0,0.4);
      max-width: 320px;
    }

    .toast.success { border-color: rgba(74,222,128,0.3); }
    .toast.error { border-color: rgba(248,113,113,0.3); }
    .toast.info { border-color: rgba(255,179,71,0.3); }

    @keyframes toastIn {
      from { opacity: 0; transform: translateX(40px); }
      to { opacity: 1; transform: translateX(0); }
    }

    @keyframes toastOut {
      from { opacity: 1; transform: translateX(0); }
      to { opacity: 0; transform: translateX(40px); }
    }

    /* ===== HEADER ===== */
    .header {
      position: fixed; top: 0; left: 0;
      width: 100%;
      padding: 18px 0;
      z-index: 1000;
      transition: all 0.3s ease;
      border-bottom: 1px solid transparent;
    }

    .header.scrolled {
      background: rgba(10, 10, 15, 0.95);
      backdrop-filter: blur(20px);
      border-bottom: 1px solid rgba(255,179,71,0.08);
    }

    .header-inner {
      display: flex;
      justify-content: space-between;
      align-items: center;
    }

    .logo {
      display: flex;
      align-items: center;
      gap: 12px;
      text-decoration: none;
    }

    .logo-icon {
      width: 44px; height: 44px;
      border: 2px solid var(--zando-orange);
      border-radius: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
      animation: pulse-glow 3s ease-in-out infinite;
    }

    .logo-icon svg {
      width: 24px; height: 24px;
      stroke: var(--zando-orange);
      fill: none; stroke-width: 2;
    }

    @keyframes pulse-glow {
      0%, 100% { box-shadow: 0 0 8px rgba(255,179,71,0.3); }
      50% { box-shadow: 0 0 20px rgba(255,179,71,0.6); }
    }

    .logo-text {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.4rem;
      font-weight: 800;
      color: var(--zando-white);
      letter-spacing: 1px;
    }

    .header-actions {
      display: flex;
      align-items: center;
      gap: 12px;
    }

    .nav { display: flex; gap: 8px; }

    .nav-link {
      padding: 10px 20px;
      border-radius: 8px;
      border: 1px solid rgba(255,179,71,0.1);
      background: transparent;
      color: var(--zando-text-secondary);
      font-size: 0.85rem;
      font-weight: 500;
      cursor: pointer;
      transition: all 0.3s ease;
      text-decoration: none;
      font-family: 'Inter', sans-serif;
    }

    .nav-link:hover {
      border-color: rgba(255,179,71,0.3);
      color: var(--zando-white);
    }

    .nav-link.active {
      background: rgba(255,179,71,0.08);
      border-color: var(--zando-orange);
      color: var(--zando-orange);
      box-shadow: 0 0 15px rgba(255,179,71,0.1);
    }

    .btn-auth {
      padding: 10px 24px;
      border-radius: 8px;
      border: 1px solid var(--zando-orange);
      background: rgba(255,179,71,0.08);
      color: var(--zando-orange);
      font-size: 0.85rem;
      font-weight: 600;
      cursor: pointer;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
    }

    .btn-auth:hover {
      background: var(--zando-orange);
      color: var(--zando-black);
    }

    .user-menu {
      display: none;
      align-items: center;
      gap: 12px;
    }

    .user-menu.active { display: flex; }

    .user-avatar {
      width: 36px; height: 36px;
      border-radius: 50%;
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      display: flex;
      align-items: center;
      justify-content: center;
      font-weight: 700;
      font-size: 0.8rem;
      color: var(--zando-black);
      cursor: pointer;
    }

    .user-name {
      font-size: 0.85rem;
      font-weight: 500;
      color: var(--zando-white);
    }

    .btn-logout {
      padding: 6px 14px;
      border-radius: 6px;
      border: 1px solid rgba(255,179,71,0.2);
      background: transparent;
      color: var(--zando-text-secondary);
      font-size: 0.75rem;
      cursor: pointer;
      transition: all 0.2s;
    }

    .btn-logout:hover {
      border-color: var(--zando-orange);
      color: var(--zando-orange);
    }

    .mobile-menu-btn {
      display: none;
      background: none; border: none;
      color: var(--zando-orange);
      cursor: pointer;
    }

    /* ===== MODAL ===== */
    .modal-overlay {
      position: fixed;
      top: 0; left: 0;
      width: 100%; height: 100%;
      background: rgba(0,0,0,0.8);
      backdrop-filter: blur(8px);
      z-index: 10000;
      display: none;
      align-items: center;
      justify-content: center;
      padding: 20px;
    }

    .modal-overlay.active { display: flex; }

    .modal {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.12);
      border-radius: 20px;
      width: 100%;
      max-width: 460px;
      padding: 40px;
      position: relative;
      animation: modalIn 0.3s ease;
    }

    @keyframes modalIn {
      from { opacity: 0; transform: translateY(20px) scale(0.95); }
      to { opacity: 1; transform: translateY(0) scale(1); }
    }

    .modal-close {
      position: absolute;
      top: 16px; right: 16px;
      background: none; border: none;
      color: var(--zando-text-muted);
      font-size: 1.5rem;
      cursor: pointer;
      width: 36px; height: 36px;
      border-radius: 50%;
      display: flex;
      align-items: center;
      justify-content: center;
      transition: all 0.2s;
    }

    .modal-close:hover {
      background: rgba(255,179,71,0.1);
      color: var(--zando-orange);
    }

    .modal-tabs {
      display: flex;
      gap: 8px;
      margin-bottom: 28px;
      border-bottom: 1px solid rgba(255,179,71,0.1);
      padding-bottom: 16px;
    }

    .modal-tab {
      flex: 1;
      padding: 12px;
      border-radius: 8px;
      border: none;
      background: transparent;
      color: var(--zando-text-secondary);
      font-size: 0.9rem;
      font-weight: 600;
      cursor: pointer;
      transition: all 0.2s;
      font-family: 'Inter', sans-serif;
    }

    .modal-tab.active {
      background: rgba(255,179,71,0.1);
      color: var(--zando-orange);
    }

    .modal-tab:hover:not(.active) { color: var(--zando-white); }

    .modal-body { display: none; }
    .modal-body.active { display: block; }

    .form-field {
      margin-bottom: 16px;
    }

    .form-field label {
      display: block;
      font-size: 0.75rem;
      color: var(--zando-text-secondary);
      margin-bottom: 6px;
      text-transform: uppercase;
      letter-spacing: 0.5px;
      font-weight: 500;
    }

    .form-field input {
      width: 100%;
      padding: 14px 16px;
      border-radius: 10px;
      border: 1px solid rgba(255,179,71,0.1);
      background: rgba(0,0,0,0.3);
      color: var(--zando-white);
      font-size: 0.95rem;
      font-family: 'Inter', sans-serif;
      outline: none;
      transition: all 0.3s ease;
    }

    .form-field input:focus {
      border-color: var(--zando-orange);
      box-shadow: 0 0 0 3px rgba(255,179,71,0.06);
    }

    .form-field input::placeholder { color: var(--zando-text-muted); }

    .btn-submit {
      width: 100%;
      padding: 16px;
      border-radius: 10px;
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      color: var(--zando-black);
      font-weight: 700;
      font-size: 1rem;
      border: none;
      cursor: pointer;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
      margin-top: 8px;
    }

    .btn-submit:hover {
      transform: translateY(-2px);
      box-shadow: 0 8px 30px var(--zando-orange-glow);
    }

    .form-error {
      color: var(--zando-danger);
      font-size: 0.8rem;
      margin-top: 4px;
      display: none;
    }

    .form-error.visible { display: block; }

    /* ===== HERO ===== */
    .hero {
      padding: 160px 0 80px;
      text-align: center;
      position: relative;
    }

    .hero::before {
      content: '';
      position: absolute;
      top: 40%; left: 50%;
      width: 500px; height: 500px;
      background: radial-gradient(circle, rgba(255,179,71,0.08) 0%, transparent 70%);
      transform: translate(-50%, -50%);
      pointer-events: none; z-index: 0;
    }

    .hero-content { position: relative; z-index: 1; }

    .hero-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 8px 20px;
      border-radius: 100px;
      border: 1px solid rgba(255,179,71,0.2);
      background: rgba(255,179,71,0.05);
      color: var(--zando-orange);
      font-size: 0.75rem;
      font-weight: 600;
      letter-spacing: 1px;
      text-transform: uppercase;
      margin-bottom: 24px;
    }

    .hero-badge .dot {
      width: 8px; height: 8px;
      background: var(--zando-orange);
      border-radius: 50%;
      animation: blink 2s infinite;
    }

    @keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }

    .hero-title {
      font-family: 'Orbitron', sans-serif;
      font-size: 3rem;
      font-weight: 800;
      line-height: 1.15;
      margin-bottom: 20px;
      letter-spacing: 1px;
    }

    .hero-title .highlight {
      color: var(--zando-orange);
      text-shadow: 0 0 40px rgba(255,179,71,0.3);
    }

    .hero-subtitle {
      color: var(--zando-text-secondary);
      font-size: 1.1rem;
      max-width: 560px;
      margin: 0 auto 36px;
      line-height: 1.7;
    }

    .cta-group {
      display: flex;
      gap: 16px;
      justify-content: center;
      flex-wrap: wrap;
    }

    .btn {
      display: inline-flex;
      align-items: center;
      gap: 10px;
      padding: 16px 36px;
      border-radius: 12px;
      font-weight: 700;
      font-size: 0.95rem;
      border: none;
      cursor: pointer;
      position: relative;
      overflow: hidden;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
      text-decoration: none;
    }

    .btn-primary {
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      color: var(--zando-black);
    }

    .btn-primary:hover {
      transform: translateY(-3px);
      box-shadow: 0 10px 40px var(--zando-orange-glow);
      color: var(--zando-black);
    }

    .btn-primary::after {
      content: '';
      position: absolute;
      top: -50%; left: -50%;
      width: 200%; height: 200%;
      background: linear-gradient(45deg, transparent 30%, rgba(255,255,255,0.3) 50%, transparent 70%);
      animation: shimmer 3s infinite;
    }

    @keyframes shimmer {
      0% { transform: translateX(-100%) rotate(45deg); }
      100% { transform: translateX(100%) rotate(45deg); }
    }

    .btn-secondary {
      background: transparent;
      color: var(--zando-white);
      border: 1px solid rgba(255,179,71,0.2);
    }

    .btn-secondary:hover {
      border-color: var(--zando-orange);
      box-shadow: 0 0 20px rgba(255,179,71,0.1);
      color: var(--zando-white);
    }

    /* ===== DASHBOARD ===== */
    .dashboard {
      display: none;
      padding: 120px 0 60px;
    }

    .dashboard.active { display: block; }

    .dashboard-header {
      text-align: center;
      margin-bottom: 40px;
    }

    .dashboard-header h1 {
      font-family: 'Orbitron', sans-serif;
      font-size: 2rem;
      margin-bottom: 8px;
    }

    .dashboard-header p {
      color: var(--zando-text-secondary);
    }

    /* ===== BALANCE CARD ===== */
    .balance-section {
      padding: 20px 0 40px;
    }

    .balance-card {
      background: linear-gradient(135deg, rgba(255,179,71,0.1), rgba(255,140,66,0.05));
      border: 1px solid rgba(255,179,71,0.15);
      border-radius: 20px;
      padding: 32px;
      display: flex;
      justify-content: space-between;
      align-items: center;
      flex-wrap: wrap;
      gap: 20px;
    }

    .balance-info h3 {
      font-size: 0.85rem;
      color: var(--zando-text-secondary);
      text-transform: uppercase;
      letter-spacing: 1px;
      margin-bottom: 8px;
      font-weight: 500;
    }

    .balance-amount {
      font-family: 'Orbitron', sans-serif;
      font-size: 2.5rem;
      font-weight: 800;
      color: var(--zando-orange);
    }

    .balance-currency {
      font-size: 1rem;
      color: var(--zando-text-secondary);
      margin-left: 8px;
    }

    .balance-actions {
      display: flex;
      gap: 12px;
    }

    .balance-btn {
      padding: 12px 24px;
      border-radius: 10px;
      border: 1px solid rgba(255,179,71,0.2);
      background: rgba(0,0,0,0.2);
      color: var(--zando-white);
      font-size: 0.85rem;
      font-weight: 600;
      cursor: pointer;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
    }

    .balance-btn:hover {
      border-color: var(--zando-orange);
      background: rgba(255,179,71,0.08);
      color: var(--zando-orange);
    }

    .balance-btn.primary {
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      color: var(--zando-black);
      border: none;
    }

    .balance-btn.primary:hover {
      box-shadow: 0 8px 25px var(--zando-orange-glow);
    }

    /* ===== VIRTUAL CARD ===== */
    .virtual-card-section {
      padding: 40px 0;
    }

    .card-container {
      max-width: 420px;
      margin: 0 auto 40px;
      perspective: 1000px;
    }

    .virtual-card {
      width: 100%;
      aspect-ratio: 1.586;
      border-radius: 20px;
      background: linear-gradient(135deg, #1a1f71 0%, #2d3a8c 40%, #1a1f71 100%);
      position: relative;
      overflow: hidden;
      padding: 28px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      box-shadow: 0 20px 60px rgba(26, 31, 113, 0.4), 0 0 0 1px rgba(255,255,255,0.05);
      transition: transform 0.6s ease;
      transform-style: preserve-3d;
    }

    .virtual-card::before {
      content: '';
      position: absolute;
      top: -50%; left: -50%;
      width: 200%; height: 200%;
      background: linear-gradient(45deg, transparent 40%, rgba(255,255,255,0.03) 50%, transparent 60%);
      animation: cardShine 4s infinite;
    }

    @keyframes cardShine {
      0% { transform: translateX(-100%) rotate(30deg); }
      100% { transform: translateX(100%) rotate(30deg); }
    }

    .virtual-card::after {
      content: '';
      position: absolute;
      top: 20px; right: 20px;
      width: 60px; height: 40px;
      background: linear-gradient(135deg, rgba(212,175,55,0.3), rgba(212,175,55,0.1));
      border-radius: 6px;
      border: 1px solid rgba(212,175,55,0.2);
    }

    .virtual-card.frozen {
      filter: grayscale(1);
      opacity: 0.62;
    }

    .card-chip {
      width: 44px; height: 34px;
      background: linear-gradient(135deg, #d4af37, #b8941f);
      border-radius: 8px;
      position: relative;
      z-index: 1;
      border: 1px solid rgba(212,175,55,0.4);
    }

    .card-chip::before {
      content: '';
      position: absolute;
      top: 50%; left: 50%;
      transform: translate(-50%, -50%);
      width: 70%; height: 60%;
      border: 1px solid rgba(0,0,0,0.2);
      border-radius: 4px;
    }

    .card-number {
      font-family: 'Share Tech Mono', monospace;
      font-size: 1.4rem;
      letter-spacing: 4px;
      color: #fff;
      text-shadow: 0 2px 4px rgba(0,0,0,0.3);
      position: relative;
      z-index: 1;
      margin-top: 20px;
    }

    .card-details {
      display: flex;
      justify-content: space-between;
      align-items: flex-end;
      position: relative;
      z-index: 1;
    }

    .card-holder-label, .card-expiry-label {
      font-size: 0.6rem;
      text-transform: uppercase;
      letter-spacing: 1px;
      color: rgba(255,255,255,0.5);
      margin-bottom: 4px;
    }

    .card-holder-name, .card-expiry {
      font-family: 'Share Tech Mono', monospace;
      font-size: 0.9rem;
      color: #fff;
      text-transform: uppercase;
      letter-spacing: 1px;
    }

    .card-logo {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.2rem;
      font-weight: 800;
      color: rgba(255,255,255,0.9);
      letter-spacing: 2px;
      position: relative;
      z-index: 1;
      text-align: right;
    }

    .card-logo span { color: var(--zando-orange); }

    .card-actions {
      display: flex;
      gap: 12px;
      justify-content: center;
      flex-wrap: wrap;
    }

    .card-action-btn {
      padding: 12px 24px;
      border-radius: 10px;
      border: 1px solid rgba(255,179,71,0.2);
      background: var(--zando-black-card);
      color: var(--zando-text);
      font-size: 0.85rem;
      font-weight: 600;
      cursor: pointer;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
    }

    .card-action-btn:hover {
      border-color: var(--zando-orange);
      background: rgba(255,179,71,0.08);
      color: var(--zando-orange);
    }

    .card-action-btn.primary {
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      color: var(--zando-black);
      border: none;
    }

    .card-action-btn.primary:hover {
      box-shadow: 0 8px 25px var(--zando-orange-glow);
    }

    .card-info-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 16px;
      max-width: 420px;
      margin: 0 auto;
    }

    .card-info-item {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.08);
      border-radius: 12px;
      padding: 20px;
      text-align: center;
    }

    .card-info-item .label {
      font-size: 0.7rem;
      color: var(--zando-text-secondary);
      text-transform: uppercase;
      letter-spacing: 1px;
      margin-bottom: 8px;
    }

    .card-info-item .value {
      font-family: 'Share Tech Mono', monospace;
      font-size: 1.1rem;
      color: var(--zando-orange);
      font-weight: 600;
    }

    /* ===== QR CODE SECTION ===== */
    .qr-section {
      padding: 40px 0;
    }

    .qr-container {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.08);
      border-radius: 20px;
      padding: 32px;
      max-width: 420px;
      margin: 0 auto;
      text-align: center;
    }

    .qr-code {
      width: 200px;
      height: 200px;
      margin: 0 auto 20px;
      background: var(--zando-white);
      border-radius: 16px;
      padding: 12px;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .qr-code canvas, .qr-code svg {
      width: 100%;
      height: 100%;
    }

    .qr-label {
      font-size: 0.85rem;
      color: var(--zando-text-secondary);
      margin-bottom: 12px;
    }

    .qr-amount {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.5rem;
      color: var(--zando-orange);
      margin-bottom: 16px;
    }

    /* ===== TRANSACTION HISTORY ===== */
    .history-section {
      padding: 40px 0;
    }

    .history-container {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.08);
      border-radius: 20px;
      padding: 32px;
      max-width: 700px;
      margin: 0 auto;
    }

    .history-header {
      display: flex;
      justify-content: space-between;
      align-items: center;
      margin-bottom: 24px;
      flex-wrap: wrap;
      gap: 12px;
    }

    .history-header h3 {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.1rem;
      margin: 0;
    }

    .history-filter {
      display: flex;
      gap: 8px;
    }

    .filter-btn {
      padding: 6px 14px;
      border-radius: 8px;
      border: 1px solid rgba(255,179,71,0.15);
      background: transparent;
      color: var(--zando-text-secondary);
      font-size: 0.75rem;
      cursor: pointer;
      transition: all 0.2s;
      font-family: 'Inter', sans-serif;
    }

    .filter-btn.active, .filter-btn:hover {
      background: rgba(255,179,71,0.08);
      border-color: var(--zando-orange);
      color: var(--zando-orange);
    }

    .transaction-list {
      display: flex;
      flex-direction: column;
      gap: 12px;
    }

    .transaction-item {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding: 16px;
      border-radius: 12px;
      background: rgba(0,0,0,0.2);
      border: 1px solid rgba(255,179,71,0.04);
      transition: all 0.2s ease;
    }

    .transaction-item:hover {
      border-color: rgba(255,179,71,0.1);
      background: rgba(255,179,71,0.02);
    }

    .transaction-info {
      display: flex;
      align-items: center;
      gap: 14px;
    }

    .transaction-icon {
      width: 40px; height: 40px;
      border-radius: 10px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 1rem;
    }

    .transaction-icon.income { background: rgba(74,222,128,0.1); }
    .transaction-icon.expense { background: rgba(248,113,113,0.1); }

    .transaction-details h4 {
      font-size: 0.9rem;
      font-weight: 600;
      color: var(--zando-white);
      margin-bottom: 2px;
    }

    .transaction-details p {
      font-size: 0.75rem;
      color: var(--zando-text-muted);
      margin: 0;
    }

    .transaction-amount {
      text-align: right;
    }

    .transaction-amount .amount {
      font-family: 'Share Tech Mono', monospace;
      font-size: 1rem;
      font-weight: 600;
    }

    .transaction-amount .amount.positive { color: var(--zando-success); }
    .transaction-amount .amount.negative { color: var(--zando-danger); }

    .transaction-amount .date {
      font-size: 0.7rem;
      color: var(--zando-text-muted);
    }

    .empty-state {
      text-align: center;
      padding: 40px 0;
      color: var(--zando-text-muted);
    }

    /* ===== STATS ===== */
    .stats { padding: 40px 0; }

    .stats-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 20px;
    }

    .stat-card {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.08);
      border-radius: 16px;
      padding: 28px;
      position: relative;
      overflow: hidden;
      transition: all 0.3s ease;
    }

    .stat-card::before {
      content: '';
      position: absolute;
      top: 0; left: 0;
      width: 100%; height: 2px;
      background: linear-gradient(90deg, transparent, var(--zando-orange), transparent);
      opacity: 0.5;
    }

    .stat-card:hover {
      border-color: rgba(255,179,71,0.2);
      transform: translateY(-6px);
      box-shadow: 0 15px 50px rgba(255,179,71,0.05);
    }

    .stat-icon {
      width: 44px; height: 44px;
      border-radius: 12px;
      background: rgba(255,179,71,0.08);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 16px;
    }

    .stat-icon svg {
      width: 22px; height: 22px;
      stroke: var(--zando-orange);
      fill: none; stroke-width: 2;
    }

    .stat-value {
      font-family: 'Orbitron', sans-serif;
      font-size: 32px;
      font-weight: 700;
      color: var(--zando-white);
      margin-bottom: 6px;
    }

    .stat-label {
      font-size: 0.75rem;
      color: var(--zando-text-secondary);
      text-transform: uppercase;
      letter-spacing: 1.5px;
      font-weight: 500;
    }

    /* ===== SERVICES ===== */
    .services { padding: 80px 0; }

    .section-header {
      text-align: center;
      margin-bottom: 60px;
    }

    .section-label {
      display: inline-block;
      padding: 6px 16px;
      border-radius: 100px;
      border: 1px solid rgba(255,179,71,0.15);
      color: var(--zando-orange);
      font-size: 0.75rem;
      font-weight: 600;
      letter-spacing: 1px;
      text-transform: uppercase;
      margin-bottom: 16px;
    }

    .section-title {
      font-family: 'Orbitron', sans-serif;
      font-size: 2rem;
      font-weight: 700;
      margin-bottom: 12px;
    }

    .section-subtitle {
      color: var(--zando-text-secondary);
      font-size: 1rem;
      max-width: 500px;
      margin: 0 auto;
    }

    .services-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
    }

    .service-card {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.06);
      border-radius: 16px;
      padding: 32px;
      transition: all 0.3s ease;
      position: relative;
      overflow: hidden;
      cursor: pointer;
    }

    .service-card::before {
      content: '';
      position: absolute;
      top: 0; left: 0;
      width: 3px; height: 0;
      background: var(--zando-orange);
      transition: height 0.4s ease;
    }

    .service-card:hover::before { height: 100%; }

    .service-card:hover {
      border-color: rgba(255,179,71,0.15);
      transform: translateY(-4px);
    }

    .service-icon {
      width: 48px; height: 48px;
      border-radius: 12px;
      background: rgba(255,179,71,0.06);
      display: flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 20px;
    }

    .service-icon svg {
      width: 24px; height: 24px;
      stroke: var(--zando-orange);
      fill: none; stroke-width: 2;
    }

    .service-title {
      font-size: 1.1rem;
      font-weight: 600;
      margin-bottom: 10px;
      color: var(--zando-white);
    }

    .service-desc {
      color: var(--zando-text-secondary);
      font-size: 0.9rem;
      line-height: 1.7;
    }

    /* ===== PAYMENT METHODS ===== */
    .payment-methods { padding: 80px 0; }

    .payment-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 20px;
      margin-top: 40px;
    }

    .payment-card {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.06);
      border-radius: 16px;
      padding: 32px;
      text-align: center;
      transition: all 0.3s ease;
      position: relative;
      overflow: hidden;
      cursor: pointer;
    }

    .payment-card::before {
      content: '';
      position: absolute;
      top: 0; left: 0;
      width: 100%; height: 3px;
      opacity: 0;
      transition: opacity 0.3s ease;
    }

    .payment-card.visa::before { background: var(--visa-blue); opacity: 0.6; }
    .payment-card.mpesa::before { background: var(--mpesa-red); opacity: 0.6; }
    .payment-card.orange::before { background: var(--orange-money); opacity: 0.6; }
    .payment-card.airtel::before { background: var(--airtel-red); opacity: 0.6; }

    .payment-card:hover {
      transform: translateY(-6px);
      border-color: rgba(255,179,71,0.15);
    }

    .payment-card.visa:hover { box-shadow: 0 15px 40px rgba(26,31,113,0.15); border-color: rgba(26,31,113,0.3); }
    .payment-card.mpesa:hover { box-shadow: 0 15px 40px rgba(230,0,0,0.1); border-color: rgba(230,0,0,0.3); }
    .payment-card.orange:hover { box-shadow: 0 15px 40px rgba(255,102,0,0.1); border-color: rgba(255,102,0,0.3); }
    .payment-card.airtel:hover { box-shadow: 0 15px 40px rgba(255,0,0,0.1); border-color: rgba(255,0,0,0.3); }

    .payment-logo {
      width: 64px; height: 64px;
      border-radius: 16px;
      display: flex;
      align-items: center;
      justify-content: center;
      margin: 0 auto 20px;
      font-family: 'Orbitron', sans-serif;
      font-size: 10px;
      font-weight: 700;
      letter-spacing: 1px;
      color: #fff;
    }

    .payment-card.visa .payment-logo { background: linear-gradient(135deg, #1a1f71, #0d1147); }
    .payment-card.mpesa .payment-logo { background: linear-gradient(135deg, #e60000, #b30000); }
    .payment-card.orange .payment-logo { background: linear-gradient(135deg, #ff6600, #cc5200); }
    .payment-card.airtel .payment-logo { background: linear-gradient(135deg, #ff0000, #cc0000); }

    .payment-name {
      font-size: 1.1rem;
      font-weight: 700;
      margin-bottom: 8px;
    }

    .payment-card.visa .payment-name { color: #6b7fff; }
    .payment-card.mpesa .payment-name { color: #ff6666; }
    .payment-card.orange .payment-name { color: #ffaa66; }
    .payment-card.airtel .payment-name { color: #ff6666; }

    .payment-desc {
      color: var(--zando-text-secondary);
      font-size: 0.8rem;
      line-height: 1.6;
      margin-bottom: 16px;
    }

    .payment-tag {
      display: inline-block;
      padding: 4px 12px;
      border-radius: 100px;
      font-size: 0.7rem;
      font-weight: 600;
      text-transform: uppercase;
      letter-spacing: 0.5px;
    }

    .payment-card.visa .payment-tag { background: rgba(26,31,113,0.15); color: #8a9aff; border: 1px solid rgba(26,31,113,0.2); }
    .payment-card.mpesa .payment-tag { background: rgba(230,0,0,0.1); color: #ff6666; border: 1px solid rgba(230,0,0,0.2); }
    .payment-card.orange .payment-tag { background: rgba(255,102,0,0.1); color: #ffaa66; border: 1px solid rgba(255,102,0,0.2); }
    .payment-card.airtel .payment-tag { background: rgba(255,0,0,0.1); color: #ff6666; border: 1px solid rgba(255,0,0,0.2); }

    /* ===== PAYMENT FORM ===== */
    .payment-form-section { padding: 80px 0; }

    .form-container {
      background: var(--zando-black-card);
      border: 1px solid rgba(255,179,71,0.08);
      border-radius: 20px;
      padding: 40px;
      max-width: 700px;
      margin: 0 auto;
    }

    .form-header {
      text-align: center;
      margin-bottom: 32px;
    }

    .form-header h2 {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.5rem;
      margin-bottom: 8px;
    }

    .form-header p {
      color: var(--zando-text-secondary);
      font-size: 0.9rem;
    }

    .payment-form-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 20px;
    }

    .payment-form-grid .form-field.full { grid-column: span 2; }

    .payment-options {
      grid-column: span 2;
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 12px;
      margin-top: 8px;
    }

    .payment-option {
      padding: 16px;
      border-radius: 12px;
      border: 1px solid rgba(255,179,71,0.1);
      background: rgba(0,0,0,0.3);
      cursor: pointer;
      text-align: center;
      transition: all 0.3s ease;
      position: relative;
    }

    .payment-option input {
      position: absolute;
      opacity: 0;
      width: 0; height: 0;
    }

    .payment-option .pay-label {
      font-size: 0.8rem;
      font-weight: 600;
      display: block;
      margin-bottom: 4px;
    }

    .payment-option .pay-sublabel {
      font-size: 0.7rem;
      color: var(--zando-text-muted);
    }

    .payment-option.visa-opt:hover, .payment-option.visa-opt.selected {
      border-color: rgba(26,31,113,0.4);
      background: rgba(26,31,113,0.08);
    }
    .payment-option.visa-opt .pay-label { color: #8a9aff; }

    .payment-option.mpesa-opt:hover, .payment-option.mpesa-opt.selected {
      border-color: rgba(230,0,0,0.4);
      background: rgba(230,0,0,0.05);
    }
    .payment-option.mpesa-opt .pay-label { color: #ff6666; }

    .payment-option.orange-opt:hover, .payment-option.orange-opt.selected {
      border-color: rgba(255,102,0,0.4);
      background: rgba(255,102,0,0.05);
    }
    .payment-option.orange-opt .pay-label { color: #ffaa66; }

    .payment-option.airtel-opt:hover, .payment-option.airtel-opt.selected {
      border-color: rgba(255,0,0,0.4);
      background: rgba(255,0,0,0.05);
    }
    .payment-option.airtel-opt .pay-label { color: #ff6666; }

    .payment-option.selected::after {
      content: '✓';
      position: absolute;
      top: 8px; right: 10px;
      font-size: 12px;
      color: var(--zando-orange);
    }

    .submit-btn {
      grid-column: span 2;
      padding: 18px;
      border-radius: 12px;
      background: linear-gradient(135deg, var(--zando-orange), var(--zando-orange-dark));
      color: var(--zando-black);
      font-weight: 700;
      font-size: 1rem;
      border: none;
      cursor: pointer;
      transition: all 0.3s ease;
      font-family: 'Inter', sans-serif;
      margin-top: 8px;
    }

    .submit-btn:hover {
      transform: translateY(-2px);
      box-shadow: 0 10px 40px var(--zando-orange-glow);
    }

    /* ===== FOOTER ===== */
    .footer {
      padding: 60px 0 30px;
      border-top: 1px solid rgba(255,179,71,0.06);
      margin-top: 40px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 2fr 1fr 1fr 1fr;
      gap: 40px;
      margin-bottom: 40px;
    }

    .footer-brand .logo-text {
      font-family: 'Orbitron', sans-serif;
      font-size: 1.1rem;
      font-weight: 700;
      color: var(--zando-white);
      margin-bottom: 12px;
      display: inline-block;
    }

    .footer-brand .logo-text span { color: var(--zando-orange); }

    .footer-brand p {
      color: var(--zando-text-secondary);
      font-size: 0.9rem;
      line-height: 1.7;
    }

    .footer-col h4 {
      font-size: 0.85rem;
      font-weight: 600;
      margin-bottom: 20px;
      color: var(--zando-white);
      text-transform: uppercase;
      letter-spacing: 1px;
    }

    .footer-col a {
      display: block;
      color: var(--zando-text-secondary);
      text-decoration: none;
      font-size: 0.9rem;
      margin-bottom: 10px;
      transition: color 0.2s;
    }

    .footer-col a:hover { color: var(--zando-orange); }

    .footer-bottom {
      display: flex;
      justify-content: space-between;
      align-items: center;
      padding-top: 24px;
      border-top: 1px solid rgba(255,179,71,0.05);
      font-size: 0.8rem;
      color: var(--zando-text-muted);
    }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 992px) {
      .stats-grid { grid-template-columns: repeat(2, 1fr); }
      .services-grid { grid-template-columns: repeat(2, 1fr); }
      .payment-grid { grid-template-columns: repeat(2, 1fr); }
      .footer-grid { grid-template-columns: repeat(2, 1fr); }
      .payment-options { grid-template-columns: repeat(2, 1fr); }
      .card-info-grid { grid-template-columns: repeat(3, 1fr); }
      .balance-card { flex-direction: column; text-align: center; }
    }

    @media (max-width: 768px) {
      .hero-title { font-size: 2.2rem; }
      .section-title { font-size: 1.6rem; }
      .nav { display: none; }
      .mobile-menu-btn { display: block; }
      .stats-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
      .services-grid { grid-template-columns: 1fr; }
      .payment-grid { grid-template-columns: 1fr; }
      .payment-form-grid { grid-template-columns: 1fr; }
      .payment-form-grid .form-field.full { grid-column: span 1; }
      .payment-options { grid-template-columns: 1fr 1fr; }
      .submit-btn { grid-column: span 1; }
      .form-container { padding: 24px; }
      .footer-grid { grid-template-columns: 1fr; gap: 32px; }
      .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
      .cta-group { flex-direction: column; align-items: center; }
      .btn { width: 100%; max-width: 300px; justify-content: center; }
      .modal { padding: 28px; }
      .card-number { font-size: 1.1rem; letter-spacing: 2px; }
      .history-header { flex-direction: column; align-items: flex-start; }
      .balance-actions { width: 100%; justify-content: center; }
      .toast-container { right: 12px; left: 12px; top: 80px; }
      .toast { max-width: 100%; }
    }

    @media (max-width: 480px) {
      .hero { padding: 120px 0 60px; }
      .hero-title { font-size: 1.8rem; }
      .stat-value { font-size: 24px; }
      .payment-options { grid-template-columns: 1fr; }
      .card-info-grid { grid-template-columns: 1fr; }
      .qr-code { width: 160px; height: 160px; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
      }
      .scan-line { display: none; }
    }