:root{--g:#0a4d33;--g2:#073a27;--gl:#e9f5ee;--ac:#1c7c54;--bg:#f4f6f5;--cd:#fff;--ink:#14231c;--mu:#5f6f67;--ln:#e2e8e4;--wn:#a15c07;--wb:#fff3dc;--er:#c0392b;--sh:0 6px 24px rgba(10,50,35,.07);color-scheme:light}
:root[data-theme="dark"]{--g:#0b3a29;--g2:#06251a;--gl:#17442f;--ac:#4be0a5;--bg:#09130f;--cd:#12201a;--ink:#f2f8f5;--mu:#bccdc4;--ln:#335044;--wn:#ffc857;--wb:#3b2d0c;--er:#ff8a7a;--sh:0 6px 24px rgba(0,0,0,.45);color-scheme:dark}
*{box-sizing:border-box;margin:0}
:root{padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
html{scroll-padding-top:env(safe-area-inset-top,0px)}
body{background:var(--bg);color:var(--ink);font:15px/1.5 "Segoe UI",Inter,system-ui,-apple-system,Roboto,sans-serif}
button{font:inherit;cursor:pointer;color:inherit}
header{background:linear-gradient(90deg,var(--g2),var(--g));color:#fff;position:sticky;top:env(safe-area-inset-top,0px);z-index:30}
.top{display:flex;align-items:center;gap:18px;padding:12px 24px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;letter-spacing:-.3px;line-height:1.1}
.logo small{display:block;font-size:9px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:#a6d4bf}
.srch{flex:1;max-width:380px;margin-left:auto}
.srch input{width:100%;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.3);border-radius:8px;color:#fff;padding:9px 14px;font:inherit}
.srch input::placeholder{color:#b9d9c9}
.tl{display:flex;gap:18px;font-size:14px;align-items:center}
.tl span{cursor:pointer;opacity:.92;white-space:nowrap}.tl span:hover{opacity:1}
.bdg{background:#86c232;color:#06281b;border-radius:99px;font-size:11px;font-weight:700;padding:0 6px;margin-left:4px}
.mn{background:var(--g2);display:flex;justify-content:space-between;padding:0 24px;border-top:1px solid rgba(255,255,255,.08);font-size:14px;font-weight:600;color:#fff;overflow-x:auto}
.mn a{padding:13px 14px;white-space:nowrap;cursor:pointer;border-bottom:3px solid transparent;transition:.2s}
.mn a:hover,.mn a.on{border-color:#86c232}
.burger{display:none;background:none;border:0;color:#fff;font-size:24px}
.wrap{display:grid;grid-template-columns:260px 1fr;min-height:calc(100vh - 110px)}
nav.sd{background:var(--cd);border-right:1px solid var(--ln);padding:22px 0}
.sd h4{display:flex;gap:10px;padding:10px 24px;font-size:15px;margin-top:6px}
.sd a{display:block;padding:9px 24px 9px 52px;font-size:14px;color:var(--mu);cursor:pointer;border-left:4px solid transparent;transition:.2s}
.sd a:hover{background:var(--bg);color:var(--ink)}
.sd a.on{background:var(--gl);color:var(--g);font-weight:700;border-left-color:var(--ac)}
:root[data-theme="dark"] .sd a.on{color:var(--ac)}
.sd hr{border:0;border-top:1px solid var(--ln);margin:12px 24px}
.help{margin:18px;border:1px solid var(--ln);border-radius:12px;padding:16px;font-size:13px}
.help b{color:var(--ac);font-size:15px}
main{padding:32px clamp(16px,4vw,48px) 50px;max-width:980px;width:100%}
.hd{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-bottom:22px}
h1{font-size:clamp(22px,3.4vw,30px);letter-spacing:-.5px}
.card{background:var(--cd);border:1px solid var(--ln);border-radius:14px;box-shadow:var(--sh);padding:24px;margin-bottom:20px;animation:up .55s both}
@keyframes up{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.card h3{color:var(--g);font-size:17px;margin-bottom:14px;padding-bottom:10px;border-bottom:2px solid var(--ac)}
:root[data-theme="dark"] .card h3{color:var(--ac)}
.view{display:none}.view.on{display:block}
.btn{border:1.5px solid var(--g);background:var(--cd);color:var(--g);font-weight:700;padding:11px 22px;border-radius:10px;transition:.2s}
.btn:hover{background:var(--gl);transform:translateY(-1px)}
.btn.p{background:var(--g);color:#fff}.btn.p:hover{background:var(--ac);box-shadow:0 8px 18px rgba(10,77,51,.3)}
:root[data-theme="dark"] .btn{border-color:var(--ac);color:var(--ac)}
:root[data-theme="dark"] .btn.p{background:var(--ac);color:#04160e}
.ghost{border:0;background:none;color:var(--mu);font-weight:600;padding:8px}
.ghost:hover{color:var(--ink)}
.tw{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:14px;min-width:520px}
th{background:var(--bg);text-align:left;padding:13px 16px;font-weight:700;border-bottom:1px solid var(--ln)}
td{padding:14px 16px;border-bottom:1px solid var(--ln)}
tbody tr{animation:up .5s both}tbody tr:hover{background:var(--bg)}
.chip{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.4px;padding:4px 10px;border-radius:6px;text-transform:uppercase}
.ok{background:var(--gl);color:var(--ac);border:1px solid var(--ac)}.pd{background:var(--wb);color:var(--wn);border:1px solid var(--wn)}
.lk{border:0;background:none;color:var(--ac);font-weight:700;text-decoration:underline;padding:0}
.ban{display:flex;gap:18px;align-items:center;background:var(--gl);border:1px solid var(--ac);border-radius:12px;padding:22px;margin-bottom:20px;animation:up .5s both}
.ban h2{color:var(--g);font-size:20px}:root[data-theme="dark"] .ban h2{color:var(--ac)}
.ban p{color:var(--mu);font-size:14px}
.tick{flex:none;width:58px;height:58px;border-radius:50%;background:var(--g);display:grid;place-items:center;animation:pop .6s cubic-bezier(.2,1.5,.4,1)}
:root[data-theme="dark"] .tick{background:var(--ac)}
@keyframes pop{from{transform:scale(0)}}
.tick path{stroke-dasharray:40;stroke-dashoffset:40;animation:dr .5s .35s forwards}@keyframes dr{to{stroke-dashoffset:0}}
.kv div{display:flex;gap:16px;padding:13px 4px;border-bottom:1px solid var(--ln);font-size:14px}
.kv div:last-child{border:0}.kv span{flex:0 0 38%;color:var(--mu)}.kv b{font-weight:500;word-break:break-word}
.td{background:var(--wb);border:1px solid var(--wn);border-radius:12px;padding:20px;margin-bottom:20px;display:flex;gap:16px;flex-wrap:wrap;align-items:center;animation:up .6s .1s both}
.td .i{font-size:28px}.td .t{flex:1;min-width:220px;font-size:14px;color:var(--ink)}.td .t b{color:var(--wn);font-size:16px}
.amt{font-size:30px;font-weight:800;color:var(--wn);letter-spacing:-1px;background:var(--cd);border-radius:10px;padding:6px 16px}
.imp{display:flex;gap:14px;align-items:center;font-size:13.5px}
.sh{flex:none;width:44px;height:44px;border-radius:50%;background:var(--gl);color:var(--ac);display:grid;place-items:center;font-size:20px}
.stp{display:flex;align-items:center;margin-bottom:26px}
.sg{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;color:var(--mu)}
.sg i{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-style:normal;border:2px solid var(--ln);background:var(--bg);transition:.35s}
.sg.on{color:var(--ink)}.sg.on i{background:var(--g);color:#fff;border-color:var(--g)}.sg.dn i{background:var(--ac);color:#fff;border-color:var(--ac)}
.ln{flex:1;height:3px;background:var(--ln);margin:0 10px;border-radius:3px;overflow:hidden;min-width:14px}.ln b{display:block;height:100%;background:var(--ac);width:0;transition:.5s}.ln.f b{width:100%}
.pane{display:none}.pane.on{display:block;animation:sl .45s both}@keyframes sl{from{opacity:0;transform:translateX(24px)}}
.r2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.f{margin-top:16px}label{display:block;font-size:13px;font-weight:700;margin-bottom:6px}
input,select{width:100%;padding:12px 14px;border:1.5px solid var(--ln);border-radius:10px;background:var(--cd);color:var(--ink);font:inherit;transition:.2s}
input:focus,select:focus{outline:0;border-color:var(--ac);box-shadow:0 0 0 4px var(--gl)}
.e{display:none;color:var(--er);font-size:12px;margin-top:4px}.f.bad .e{display:block}.f.bad input,.f.bad select{border-color:var(--er);animation:sk .35s}
@keyframes sk{25%{transform:translateX(-5px)}75%{transform:translateX(5px)}}
.hint{font-size:12px;color:var(--mu);margin-top:5px}
.seg{display:flex;background:var(--bg);border-radius:10px;padding:4px;gap:4px;border:1px solid var(--ln)}
.seg button{flex:1;border:0;background:none;padding:9px;border-radius:7px;font-weight:700;color:var(--mu);transition:.25s}.seg button.on{background:var(--g);color:#fff}
:root[data-theme="dark"] .seg button.on{background:var(--ac);color:#04160e}
.acts{display:flex;justify-content:space-between;gap:10px;margin-top:26px}
.ov{position:fixed;inset:0;background:rgba(3,15,10,.62);backdrop-filter:blur(6px);display:none;place-items:center;padding:20px;z-index:60}.ov.on{display:grid;animation:fd .25s}@keyframes fd{from{opacity:0}}
.md{background:var(--cd);border-radius:20px;max-width:450px;width:100%;padding:30px;text-align:center;max-height:92vh;overflow:auto;animation:pp .45s cubic-bezier(.2,1.3,.4,1)}@keyframes pp{from{opacity:0;transform:scale(.86)}}
.md p{color:var(--mu);font-size:14px;margin:8px 0}
.wi{width:70px;height:70px;margin:0 auto 12px;border-radius:50%;background:var(--wb);color:var(--wn);display:grid;place-items:center;font-size:32px;font-weight:800;animation:pl 2s infinite}
@keyframes pl{0%{box-shadow:0 0 0 0 rgba(200,130,10,.4)}100%{box-shadow:0 0 0 18px transparent}}
.spn{width:52px;height:52px;border-radius:50%;border:5px solid var(--ln);border-top-color:var(--ac);margin:8px auto 16px;animation:rt .8s linear infinite}@keyframes rt{to{transform:rotate(360deg)}}
.big{font-size:40px;font-weight:800;color:var(--wn);letter-spacing:-1.5px}
.ft{background:var(--g2);color:#cfe6da;text-align:center;font-size:13px;padding:22px 16px}.ft div{display:flex;gap:18px;justify-content:center;flex-wrap:wrap;margin-bottom:6px}
.toast{position:fixed;left:50%;bottom:calc(22px + env(safe-area-inset-bottom,0px));transform:translate(-50%,130px);background:var(--g);color:#fff;padding:12px 20px;border-radius:10px;transition:.4s;z-index:70;max-width:90vw;font-size:14px}.toast.on{transform:translate(-50%,0)}
.scrim{display:none}
@media(max-width:900px){.wrap{grid-template-columns:1fr}.burger{display:block}.tl,.srch{display:none}.top{justify-content:space-between}
nav.sd{position:fixed;top:0;bottom:0;left:0;width:280px;z-index:55;transform:translateX(-100%);transition:.35s;overflow:auto;padding-top:calc(22px + env(safe-area-inset-top,0px))}nav.sd.on{transform:none}
.scrim.on{display:block;position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:50}}
@media(max-width:560px){.r2{grid-template-columns:1fr}.sg span{display:none}.kv div{flex-direction:column;gap:2px}.kv span{flex:none}.ban{flex-direction:column;text-align:center}.mn{display:none}.card{padding:18px}}
@media print{header,nav.sd,.ft,.acts,.hd .btn{display:none!important}.wrap{display:block}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}

/* ===== SilverOak layout additions ===== */
::placeholder{color:var(--mu);opacity:.75}
select option{background:var(--cd);color:var(--ink)}
:root[data-theme="dark"] .hint,:root[data-theme="dark"] .ban p{color:var(--mu)}
:root[data-theme="dark"] .lk{color:var(--ac)}
.top{flex-wrap:wrap}
.bal{display:flex;align-items:center;gap:4px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:12px;padding:6px 8px 6px 14px;margin-left:auto}
.bal div{line-height:1.2}.bal small{display:block;font-size:10px;letter-spacing:1px;text-transform:uppercase;color:#b5ddca;font-weight:600}
.bal b{font-size:16px;letter-spacing:-.2px;transition:filter .3s}.bal .lkd b{color:#ffd98a}
.bal .sep{width:1px;height:30px;background:rgba(255,255,255,.22);margin:0 12px}
.bal.hide b{filter:blur(8px);user-select:none}
.eye{background:rgba(255,255,255,.12);border:0;color:#fff;width:32px;height:32px;border-radius:50%;margin-left:6px}
.srch{margin-left:0}.tb{background:none;border:0;color:#fff;font:inherit;opacity:.92;padding:0}
.mth{display:none;background:none;border:0;color:#fff;font-size:20px}
.mn a{color:#fff;text-decoration:none}
.nv-g{margin-bottom:2px}
.nv-h{width:100%;display:flex;justify-content:space-between;align-items:center;gap:10px;background:none;border:0;padding:11px 22px;font-weight:700;font-size:14.5px;color:var(--ink);text-align:left}
.nv-h:hover{background:var(--bg)}.nv-h i{font-style:normal;transition:.3s;color:var(--mu)}.nv-g.open .nv-h i{transform:rotate(90deg)}
.nv-b{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}.nv-g.open .nv-b{grid-template-rows:1fr}.nv-b>div{overflow:hidden}
.nv-l{display:block;padding:9px 22px 9px 52px;font-size:14px;color:var(--mu);text-decoration:none;border-left:4px solid transparent;transition:.2s}
.nv-l:hover{background:var(--bg);color:var(--ink)}
.nv-l.on{background:var(--gl);color:var(--g);font-weight:700;border-left-color:var(--ac)}
:root[data-theme="dark"] .nv-l.on{color:var(--ac)}
.only-m{display:none}
@media(min-width:901px){nav.sd{position:sticky;top:118px;align-self:start;max-height:calc(100vh - 118px);overflow:auto}}
@media(max-width:900px){.bal{order:5;width:100%;justify-content:space-between;margin:0}.mth{display:block}.only-m{display:block;padding:8px 22px}.top{gap:10px}.logo{margin-right:auto}}
@media(max-width:420px){.bal .sep{margin:0 6px}.bal b{font-size:14px}}
.ft a{color:inherit;text-decoration:none;cursor:pointer}.ft a:hover{text-decoration:underline}

/* ===== banking pages ===== */
textarea{width:100%;padding:12px 14px;border:1.5px solid var(--ln);border-radius:10px;background:var(--cd);color:var(--ink);font:inherit;resize:vertical}
textarea:focus{outline:0;border-color:var(--ac);box-shadow:0 0 0 4px var(--gl)}
.f.full{grid-column:1/-1}.md{max-width:520px}.md .r2,.md .f label{text-align:left}
.ban.rev{background:var(--wb);border-color:var(--wn)}.ban.rev .tick{background:var(--wn)}
.ban.fail{background:rgba(192,57,43,.1);border-color:var(--er)}.ban.fail .tick{background:var(--er)}
.tick{font-size:28px;color:#fff;font-weight:800}
.chip.er{background:rgba(192,57,43,.12);color:var(--er);border:1px solid var(--er)}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-bottom:20px}
.tile{background:var(--cd);border:1px solid var(--ln);border-radius:14px;padding:18px;box-shadow:var(--sh);animation:up .5s both}
.tile small{display:block;color:var(--mu);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.6px}.tile b{display:block;font-size:26px;letter-spacing:-.5px;margin:4px 0}.tile span{color:var(--mu);font-size:13px}
.qa{display:grid;grid-template-columns:repeat(auto-fit,minmax(110px,1fr));gap:12px}.qa a{display:flex;flex-direction:column;align-items:center;gap:6px;padding:16px 8px;border:1px solid var(--ln);border-radius:12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:13px;transition:.2s}.qa a:hover{background:var(--gl);transform:translateY(-3px)}.qa span{font-size:24px}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}@media(max-width:800px){.g2{grid-template-columns:1fr}}
.ar{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:13px 0;border-bottom:1px solid var(--ln)}.ar small{display:block;color:var(--mu)}
.sb{display:grid;grid-template-columns:90px 1fr 80px;gap:10px;align-items:center;font-size:13px;margin:10px 0}.sb div{height:8px;background:var(--bg);border-radius:8px;overflow:hidden}.sb i{display:block;height:100%;background:var(--ac);border-radius:8px;animation:gw 1s}@keyframes gw{from{width:0!important}}.sb b{text-align:right}
.big2{font-size:32px;font-weight:800;letter-spacing:-1px;margin:8px 0 2px}.ah{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}.ah small{color:var(--mu)}.card.ac2{margin:0}
.cg{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:20px}
.cc{display:block;position:relative;aspect-ratio:1.586;border-radius:18px;padding:20px;color:#fff;text-decoration:none;background:linear-gradient(135deg,#0a4d33,#1c9b6b);box-shadow:0 12px 30px rgba(10,50,35,.28);overflow:hidden;transition:.3s;font-family:ui-monospace,Menlo,monospace}
.cc:hover{transform:translateY(-4px) rotate(-.6deg)}.cc.credit{background:linear-gradient(135deg,#1b2a4a,#3b5a9d)}.cc.virt{background:linear-gradient(135deg,#4a1d6b,#9b4dca)}.cc.fz{filter:grayscale(.85)}
.cc .net{position:absolute;right:20px;top:18px;font-weight:800;font-size:13px;letter-spacing:2px;font-family:system-ui}
.chip2{display:block;width:42px;height:32px;border-radius:7px;background:linear-gradient(135deg,#f4d98a,#c39a3d);margin:20px 0 14px}
.cc b{display:block;font-size:19px;letter-spacing:2px}.cc small{display:block;margin-top:6px;font-size:12px;opacity:.9}.cc em{position:absolute;right:20px;bottom:18px;font-style:normal;font-size:12px}.cc u{position:absolute;left:20px;bottom:16px;text-decoration:none;font-size:11px;opacity:.85;font-family:system-ui}
.cm{display:flex;gap:10px;align-items:center;flex-wrap:wrap;margin-top:12px;font-size:13px;color:var(--mu)}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:14px}.tabs button{border:1px solid var(--ln);background:var(--cd);padding:8px 16px;border-radius:99px;font-weight:600;font-size:13px}.tabs button.on{background:var(--g);color:#fff;border-color:var(--g)}
:root[data-theme="dark"] .tabs button.on{background:var(--ac);color:#04160e;border-color:var(--ac)}
.sw{width:46px;height:26px;border-radius:99px;border:0;background:var(--ln);position:relative;transition:.25s;flex:none}.sw i{position:absolute;left:3px;top:3px;width:20px;height:20px;border-radius:50%;background:#fff;transition:.25s}.sw.on{background:var(--ac)}.sw.on i{transform:translateX(20px)}
.pgb{height:10px;background:var(--bg);border-radius:10px;overflow:hidden;margin:8px 0}.pgb i{display:block;height:100%;background:linear-gradient(90deg,var(--ac),#86c232);border-radius:10px;animation:gw 1s}
.pop{position:fixed;right:20px;top:calc(96px + env(safe-area-inset-top,0px));background:var(--cd);color:var(--ink);border:1px solid var(--ln);border-left:5px solid var(--ac);border-radius:12px;padding:14px 18px;max-width:340px;box-shadow:0 12px 34px rgba(0,0,0,.25);z-index:80;cursor:pointer;transform:translateX(130%);transition:.45s cubic-bezier(.2,1.2,.4,1)}.pop.on{transform:none}.pop b{display:block}.pop span{font-size:13px;color:var(--mu)}
.tl{position:relative}.tl>span{position:relative}
.dd{display:none;position:absolute;right:0;top:36px;width:340px;background:var(--cd);color:var(--ink);border:1px solid var(--ln);border-radius:14px;box-shadow:0 16px 40px rgba(0,0,0,.28);overflow:hidden;z-index:90;cursor:default}.dd.on{display:block;animation:up .25s}
.ddh{display:flex;justify-content:space-between;padding:12px 16px;border-bottom:1px solid var(--ln)}.ddh a{color:var(--ac);font-size:12px;cursor:pointer;font-weight:700}
.ddi{display:block;padding:12px 16px;border-bottom:1px solid var(--ln);color:var(--ink);text-decoration:none}.ddi:hover{background:var(--bg)}.ddi.un{background:var(--gl)}.ddi small{display:block;color:var(--mu)}
.ddf{display:block;text-align:center;padding:12px;color:var(--ac);font-weight:700;text-decoration:none}
.flt{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:12px}@media(max-width:700px){.flt{grid-template-columns:1fr}}
.faq{border-bottom:1px solid var(--ln)}.faq button{width:100%;text-align:left;background:none;border:0;padding:16px 4px;font-weight:700;display:flex;justify-content:space-between;gap:10px}.faq div{display:none;padding:0 4px 16px;color:var(--mu)}.faq.on div{display:block;animation:up .3s}
input[type=range]{padding:0;accent-color:var(--ac)}
.pos{color:var(--ac);font-weight:700}.neg{color:var(--er);font-weight:700}
.pre{background:var(--bg);border:1px dashed var(--ln);border-radius:10px;padding:14px;font-family:ui-monospace,Menlo,monospace;font-size:13px;white-space:pre-wrap}
.sub{margin-bottom:18px}
@media(max-width:900px){.pop{right:12px;left:12px;max-width:none}}



.beneficiary-spinner {
    width: 14px;
    height: 14px;
    border: 2px solid currentColor;
    border-right-color: transparent;
    border-radius: 50%;
    display: inline-block;
    animation: beneficiarySpin .7s linear infinite;
}

@keyframes beneficiarySpin {
    to {
        transform: rotate(360deg);
    }
}