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

  :root{
    --brand:#001689;
    --brand-dark:#00116a;
    --orange:#f4893d;
    --white:#fff;
    --gray:#6b7280;
    --border:#d1d5db;
    --error:#dc2626;
    --font:'ulp-font',-apple-system,BlinkMacSystemFont,Roboto,Helvetica,sans-serif;
  }

  body{
    font-family:var(--font);
    background:var(--brand);
    min-height:100vh;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:20px;
  }

  /* ===== CARD ===== */
  .card{
    background:#fff;
    border-radius:8px;
    padding:48px 40px 40px;
    width:100%;
    max-width:390px;
    box-shadow:0 8px 40px rgba(0,0,0,.25);
    text-align:center;
    position:relative;
    overflow:hidden;
  }

  .logo{
    display:flex;
    justify-content:center;
    margin-bottom:24px;
  }
  .logo svg{width:148px;height:auto}

  .card-title{
    font-size:22px;
    font-weight:700;
    color:#111;
    margin-bottom:6px;
  }
  .card-sub{
    font-size:14px;
    color:var(--gray);
    margin-bottom:28px;
  }

  /* ===== INPUTS ===== */
  .input-wrap{
    position:relative;
    margin-bottom:14px;
    text-align:left;
  }
  .input-wrap input{
    width:100%;
    padding:13px 16px;
    border:1.5px solid var(--border);
    border-radius:6px;
    font-family:var(--font);
    font-size:15px;
    color:#111;
    outline:none;
    transition:border-color .2s;
    background:#fff;
  }
  .input-wrap input:focus{border-color:var(--brand)}
  .input-wrap input.error{border-color:var(--error)}
  .input-wrap input::placeholder{color:#9ca3af}

  .input-edit{
    position:absolute;
    right:14px;
    top:50%;
    transform:translateY(-50%);
    font-size:13px;
    color:var(--brand);
    font-weight:600;
    cursor:pointer;
    user-select:none;
  }
  .input-edit:hover{text-decoration:underline}

  .eye-btn{
    position:absolute;
    right:14px;
    top:50%;
    transform:translateY(-50%);
    background:none;border:none;cursor:pointer;
    color:#9ca3af;
    padding:0;
    display:flex;align-items:center;
  }

  .field-row{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:12px;
  }

  .err-msg{
    font-size:12px;
    color:var(--error);
    margin-top:4px;
    text-align:left;
    display:none;
  }
  .err-msg.show{display:block}

  .forgot{
    font-size:13px;
    color:var(--brand);
    font-weight:500;
    cursor:pointer;
    display:inline-block;
    margin-bottom:22px;
    text-decoration:none;
  }
  .forgot:hover{text-decoration:underline}

  /* ===== BUTTON ===== */
  .btn{
    width:100%;
    padding:14px;
    background:var(--brand);
    color:#fff;
    border:none;
    border-radius:6px;
    font-family:var(--font);
    font-size:15px;
    font-weight:700;
    letter-spacing:.08em;
    cursor:pointer;
    transition:background .2s,transform .1s;
    text-transform:uppercase;
  }
  .btn:hover{background:var(--brand-dark)}
  .btn:active{transform:scale(.98)}
  .btn:disabled{opacity:.6;cursor:not-allowed}

  .btn-gold{
    background:#b8860b;
  }
  .btn-gold:hover{background:#9a7009}

  /* ===== STEP VISIBILITY ===== */
  .step{display:none}
  .step.active{display:block}

  /* ===== LOADER ===== */
  .loader-overlay{
    position:absolute;
    inset:0;
    background:#fff;
    display:flex;
    flex-direction:column;
    align-items:center;
    justify-content:center;
    z-index:10;
    opacity:0;
    pointer-events:none;
    transition:opacity .25s;
  }
  .loader-overlay.show{opacity:1;pointer-events:all}

  .spinner{
    width:44px;height:44px;
    border:4px solid #e5e7eb;
    border-top-color:var(--brand);
    border-radius:50%;
    animation:spin .8s linear infinite;
    margin-bottom:14px;
  }
  @keyframes spin{to{transform:rotate(360deg)}}

  .loader-text{
    font-size:14px;color:var(--gray);font-weight:500;
  }

  /* ===== TOAST ===== */
  #toast{
    position:fixed;
    top:20px;right:20px;
    background:var(--brand);
    color:#fff;
    padding:13px 20px;
    border-radius:8px;
    font-size:14px;
    font-weight:500;
    box-shadow:0 6px 24px rgba(0,0,22,.35);
    z-index:9999;
    transform:translateX(calc(100% + 30px));
    transition:transform .35s cubic-bezier(.34,1.4,.64,1);
    max-width:320px;
    display:flex;
    align-items:center;
    gap:10px;
  }
  #toast.show{transform:translateX(0)}
  #toast svg{flex-shrink:0}

  /* ===== CARD NUMBER ICONS ===== */
  .card-icon{
    position:absolute;
    right:14px;top:50%;
    transform:translateY(-50%);
    display:flex;gap:4px;
    align-items:center;
    pointer-events:none;
  }
  .card-icon span{
    font-size:18px;
    line-height:1;
  }

  /* ===== VERIFY TITLE ===== */
  .verify-title{
    font-size:16px;
    font-weight:700;
    color:#111;
    line-height:1.4;
    margin-bottom:6px;
  }
  .verify-sub{
    font-size:13px;color:var(--gray);
    margin-bottom:24px;
  }

  /* ===== RESPONSIVE ===== */
  @media(max-width:480px){
    .card{padding:36px 22px 30px}
    body{padding:16px}
  }