:root{--brand: #1a56db;--brand-dark: #1e40af;--brand-050: #eff6ff;--brand-100: #dbeafe;--success: #16a34a;--success-050: #f0fdf4;--danger: #dc2626;--danger-050: #fef2f2;--warning: #d97706;--ink: #0f172a;--ink-soft: #475569;--muted: #64748b;--line: #e5e9f0;--surface: #ffffff;--canvas: #f4f6fb;--radius-sm: 8px;--radius: 12px;--radius-lg: 16px;--shadow-xs: 0 1px 2px rgba(15, 23, 42, .06);--shadow-sm: 0 1px 3px rgba(15, 23, 42, .08), 0 1px 2px rgba(15, 23, 42, .04);--shadow-md: 0 4px 16px rgba(15, 23, 42, .08);--shadow-lg: 0 12px 32px rgba(15, 23, 42, .12);--container: 960px}*{box-sizing:border-box}body{margin:0;background:var(--canvas);color:var(--ink);line-height:1.6;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}.app-shell{max-width:var(--container);margin:0 auto;padding:0 24px 56px}.app-header{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:18px 0;margin-bottom:28px;border-bottom:1px solid var(--line);flex-wrap:wrap}.app-brand{display:flex;align-items:center;gap:14px;cursor:pointer}.app-brand__logo{height:44px;width:auto;display:block}.app-brand__eyebrow{font-size:10.5px;color:var(--muted);font-weight:600;text-transform:uppercase;letter-spacing:.6px;margin-bottom:2px}.app-brand__title{margin:0;font-size:19px;font-weight:700;color:var(--brand);letter-spacing:-.2px}.app-header__actions{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.app-user{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--ink-soft)}.app-user__badge{font-size:10.5px;color:var(--brand);background:var(--brand-050);border:1px solid var(--brand-100);border-radius:999px;padding:2px 9px;font-weight:600;letter-spacing:.2px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;padding:9px 16px;border-radius:var(--radius-sm);font-size:13.5px;font-weight:600;cursor:pointer;border:1px solid transparent;transition:background .15s,border-color .15s,box-shadow .15s,transform .05s;font-family:inherit}.btn:active:not(:disabled){transform:translateY(1px)}.btn:disabled{opacity:.55;cursor:not-allowed}.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover:not(:disabled){background:var(--brand-dark);box-shadow:var(--shadow-sm)}.btn-ghost{background:var(--surface);color:var(--ink-soft);border-color:var(--line)}.btn-ghost:hover:not(:disabled){border-color:#cbd5e1;box-shadow:var(--shadow-xs)}.btn-block{width:100%}.btn-lg{padding:12px 22px;font-size:15px}.page-heading{text-align:center;margin:8px 0 28px}.page-heading h2{font-size:26px;font-weight:700;margin:0 0 6px;letter-spacing:-.4px}.page-heading p{color:var(--muted);font-size:14.5px;margin:0}.page-heading strong{color:var(--ink)}.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:20px}.breadcrumb a,.breadcrumb span[role=link]{color:var(--brand);cursor:pointer}.breadcrumb .sep{margin:0 8px;color:#cbd5e1}.choice-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px;max-width:720px;margin:0 auto}.choice-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;text-align:center;cursor:pointer;transition:border-color .15s,box-shadow .2s,transform .15s;box-shadow:var(--shadow-xs)}.choice-card:hover{border-color:var(--brand);box-shadow:var(--shadow-md);transform:translateY(-3px)}.choice-card__icon{width:56px;height:56px;margin:0 auto 16px;border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:26px;background:var(--brand-050);color:var(--brand)}.choice-card--accent .choice-card__icon{background:var(--success-050);color:var(--success)}.choice-card__title{font-size:17px;font-weight:700;margin:0 0 8px}.choice-card__desc{font-size:13px;color:var(--muted);margin:0;line-height:1.55}.auth-viewport{min-height:100vh;display:flex;align-items:center;justify-content:center;padding:24px;background:radial-gradient(1200px 500px at 50% -10%,var(--brand-050),transparent 60%),var(--canvas)}.auth-card{width:100%;max-width:400px;background:var(--surface);padding:36px 32px;border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);border:1px solid var(--line)}.auth-card__brand{display:flex;align-items:center;gap:10px;margin-bottom:22px}.auth-card__brand img{height:36px}.auth-card h1{font-size:21px;font-weight:700;margin:0 0 4px;letter-spacing:-.3px}.auth-card__sub{color:var(--muted);font-size:13.5px;margin:0 0 24px}.field-label{display:block;font-size:12.5px;font-weight:600;color:var(--ink-soft);margin-bottom:6px}.field-input{width:100%;padding:11px 13px;margin-bottom:18px;border-radius:var(--radius-sm);border:1px solid #d1d5db;font-size:14px;font-family:inherit;transition:border-color .15s,box-shadow .15s;box-sizing:border-box}.field-input:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px #1a56db1f}.alert{padding:10px 13px;border-radius:var(--radius-sm);font-size:13.5px;margin-bottom:18px}.alert-error{background:var(--danger-050);color:#b71c1c;border:1px solid #f5c6cb}.alert-success{background:var(--success-050);color:#15803d;border:1px solid #bbf7d0}.muted-link{background:none;border:none;color:var(--muted);font-size:13px;cursor:pointer;font-family:inherit}.muted-link:hover{color:var(--ink-soft);text-decoration:underline}.wizard-step-indicator{margin-bottom:24px}.wizard-steps-list{display:flex;gap:4px;list-style:none;padding:0;margin:0;overflow-x:auto}.wizard-step-item{flex:1;text-align:center;padding:8px 4px;border-radius:6px;background:#e2e8f0;font-size:11px;min-width:80px}.wizard-step-item.active{background:#1a56db;color:#fff;font-weight:600}.wizard-step-item.completed{background:#16a34a;color:#fff}.wizard-step-number{display:block;font-weight:700;font-size:14px}fieldset{border:1px solid #e2e8f0;border-radius:8px;padding:16px;margin:16px 0}legend{font-weight:600;font-size:14px;padding:0 8px;color:#475569}.form-field{margin-bottom:14px}.form-field label{display:block;font-size:13px;font-weight:500;margin-bottom:4px;color:#374151}.form-field input,.form-field select{width:100%;padding:8px 12px;border:1px solid #d1d5db;border-radius:6px;font-size:14px;transition:border-color .2s}.form-field input:focus,.form-field select:focus{outline:none;border-color:#1a56db;box-shadow:0 0 0 3px #1a56db1a}.form-field input[aria-invalid=true],.form-field select[aria-invalid=true]{border-color:#dc2626}.field-error{display:block;color:#dc2626;font-size:12px;margin-top:4px}.field-hint{display:block;color:#6b7280;font-size:12px;margin-top:2px}.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:12px}.wizard-navigation{display:flex;justify-content:space-between;align-items:center;margin-top:24px;padding-top:16px;border-top:1px solid #e2e8f0}.wizard-btn{padding:10px 24px;border:none;border-radius:6px;font-size:14px;font-weight:500;cursor:pointer;transition:background .2s}.wizard-btn:disabled{opacity:.4;cursor:not-allowed}.wizard-btn-previous{background:#e2e8f0;color:#475569}.wizard-btn-previous:hover:not(:disabled){background:#cbd5e1}.wizard-btn-next{background:#1a56db;color:#fff}.wizard-btn-next:hover:not(:disabled){background:#1e40af}.wizard-step-counter{font-size:13px;color:#6b7280}.scheme-list{display:grid;gap:12px}.scheme-card{border:2px solid #e2e8f0;border-radius:8px;padding:16px;cursor:pointer;transition:border-color .2s,box-shadow .2s}.scheme-card:hover{border-color:#93c5fd}.scheme-card--selected{border-color:#1a56db;background:#eff6ff;box-shadow:0 0 0 3px #1a56db1a}.scheme-card__name{margin:0 0 8px;font-size:16px}.scheme-card__info{display:flex;gap:16px;flex-wrap:wrap;margin:0}.scheme-card__info-item{display:flex;gap:6px}.scheme-card__info-item dt{font-weight:600;font-size:12px;color:#6b7280}.scheme-card__info-item dd{margin:0;font-size:13px}.validation-gate-panel{background:#f1f5f9;border:1px solid #e2e8f0;border-radius:8px;padding:16px;margin:16px 0}.validation-gate-title{margin:0 0 12px;font-size:15px}.validation-list{list-style:none;padding:0;margin:0}.validation-item{display:flex;align-items:center;gap:8px;padding:8px 0;border-bottom:1px solid #e2e8f0}.validation-item:last-child{border-bottom:none}.validation-icon{font-size:16px;width:20px;text-align:center}.validation-badge--passed .validation-icon{color:#16a34a}.validation-badge--failed .validation-icon{color:#dc2626}.validation-badge--pending .validation-icon{color:#9ca3af}.validation-failure-reason{display:block;color:#dc2626;font-size:11px;margin-left:28px}.validation-gate-state{margin-bottom:12px;font-size:13px}.validation-gate-state--ready{color:#16a34a;font-weight:600}.validation-gate-state--in-progress{color:#d97706}.submit-btn{padding:12px 32px;background:#16a34a;color:#fff;border:none;border-radius:6px;font-size:16px;font-weight:600;cursor:pointer}.submit-btn:hover:not(:disabled){background:#15803d}.submit-btn:disabled{opacity:.5;cursor:not-allowed}.otp-verification-step .otp-channel-selection{margin:16px 0}.otp-channel-option{display:block;margin:8px 0}.otp-send-btn,.otp-verify-btn,.otp-resend-btn{padding:10px 20px;border:none;border-radius:6px;font-size:14px;cursor:pointer;margin:8px 4px 8px 0}.otp-send-btn{background:#1a56db;color:#fff}.otp-verify-btn{background:#16a34a;color:#fff}.otp-resend-btn{background:#d97706;color:#fff}.otp-countdown{font-family:monospace;font-size:18px;color:#d97706;margin:8px 0}.otp-verified-badge{color:#16a34a;font-weight:600;font-size:16px;margin:12px 0}.otp-success-message{color:#16a34a;margin:8px 0}.otp-error-message{color:#dc2626;margin:8px 0}.otp-blocked-message,.otp-expired-message{color:#dc2626;background:#fef2f2;padding:12px;border-radius:6px;margin:8px 0}.upload-section{margin:16px 0}.upload-errors{color:#dc2626;background:#fef2f2;padding:12px;border-radius:6px}.uploaded-file-info{background:#f0fdf4;padding:12px;border-radius:6px;border:1px solid #bbf7d0}.acknowledgment-section{margin:16px 0}.checkbox-label{display:flex;align-items:center;gap:8px;margin:8px 0;cursor:pointer}.submission-success{text-align:center;padding:32px;background:#f0fdf4;border-radius:8px;border:1px solid #bbf7d0}.submission-success .success-icon{font-size:48px;color:#16a34a}.transaction-ref{margin:16px 0}.transaction-ref-value{font-size:20px;color:#1a56db}.nominee-entry{border:1px solid #e2e8f0;border-radius:8px;padding:16px;margin:12px 0}.allocation-total{font-size:14px;margin:12px 0;padding:8px;border-radius:4px}.allocation-total.valid{background:#f0fdf4;color:#16a34a}.allocation-total.invalid{background:#fef2f2;color:#dc2626}.allocation-error{color:#dc2626;font-size:13px}.btn-add-nominee,.btn-add-holder{padding:8px 16px;background:#eff6ff;color:#1a56db;border:1px dashed #93c5fd;border-radius:6px;cursor:pointer;font-size:13px;margin:8px 0}.btn-remove-nominee,.btn-remove-holder{padding:6px 12px;background:#fef2f2;color:#dc2626;border:1px solid #fecaca;border-radius:4px;cursor:pointer;font-size:12px;margin-top:8px}@media (max-width: 640px){.wizard-steps-list{flex-wrap:wrap}.wizard-step-item{min-width:60px;font-size:10px}.form-grid{grid-template-columns:1fr}}