@import url('https://fonts.googleapis.com/css2?family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600;9..40,700&display=swap');

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

    :root {
      --indigo-deep:   #1E1456;
      --indigo-mid:    #2D1B69;
      --saffron:       #F97316;
      --saffron-light: #FFF4ED;
      --violet-soft:   #F4F3FF;
      --white:         #FFFFFF;
      --grey-50:       #F8F7FF;
      --grey-100:      #EDEDF5;
      --grey-200:      #D9D8EA;
      --grey-400:      #9997B8;
      --grey-700:      #3D3B5C;
      --grey-900:      #1A1830;
      --success:       #16A34A;
      --error:         #DC2626;
      --radius-sm:     6px;
      --radius-md:     12px;
      --radius-lg:     20px;
      --shadow-card:   0 4px 24px rgba(30,20,86,0.10);
      --shadow-input:  0 1px 3px rgba(30,20,86,0.08);
      --transition:    0.25s cubic-bezier(0.4,0,0.2,1);
    }

    body {
      font-family: 'DM Sans', system-ui, sans-serif;
      background: var(--grey-50);
      color: var(--grey-900);
      min-height: 100vh;
      padding: 0 0 60px;
    }

    /* ── Header Banner ─────────────────────────────────── */
    .banner {
      background: linear-gradient(135deg, var(--indigo-deep) 0%, var(--indigo-mid) 60%, #3D2B88 100%);
      padding: 36px 24px 48px;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    .banner::before {
      content: '';
      position: absolute;
      width: 300px; height: 300px;
      border-radius: 50%;
      background: rgba(249,115,22,0.12);
      top: -80px; right: -60px;
    }
    .banner::after {
      content: '';
      position: absolute;
      width: 200px; height: 200px;
      border-radius: 50%;
      background: rgba(255,255,255,0.04);
      bottom: -60px; left: -40px;
    }
    .banner-eyebrow {
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 2px;
      text-transform: uppercase;
      color: var(--saffron);
      margin-bottom: 10px;
    }
    .banner h1 {
      font-size: 26px;
      font-weight: 700;
      color: #fff;
      line-height: 1.25;
      position: relative;
      z-index: 1;
    }
    .banner p {
      font-size: 14px;
      color: rgba(255,255,255,0.65);
      margin-top: 10px;
      position: relative;
      z-index: 1;
    }
    .banner-icon {
      width: 48px; height: 48px;
      background: rgba(255,255,255,0.12);
      border-radius: 14px;
      display: inline-flex;
      align-items: center;
      justify-content: center;
      margin-bottom: 18px;
      font-size: 22px;
      position: relative;
      z-index: 1;
    }

    /* ── Card ──────────────────────────────────────────── */
    .card {
      background: var(--white);
      border-radius: var(--radius-lg);
      box-shadow: var(--shadow-card);
      max-width: 620px;
      margin: -24px auto 0;
      padding: 32px 36px 36px;
      position: relative;
      z-index: 2;
    }

    /* ── Section heading ───────────────────────────────── */
    .section-label {
      font-size: 11px;
      font-weight: 600;
      letter-spacing: 1.5px;
      text-transform: uppercase;
      color: var(--grey-400);
      margin-bottom: 18px;
      padding-bottom: 10px;
      border-bottom: 1px solid var(--grey-100);
    }

    /* ── Form row & group ──────────────────────────────── */
    .form-row { display: grid; gap: 16px; margin-bottom: 16px; }
    .form-row.cols-2 { grid-template-columns: 1fr 1fr; }
    .form-group { display: flex; flex-direction: column; gap: 6px; }

    label {
      font-size: 13px;
      font-weight: 500;
      color: var(--grey-700);
    }
    label .req { color: var(--saffron); margin-left: 2px; }

    input, select, textarea {
      font-family: inherit;
      font-size: 14px;
      color: var(--grey-900);
      background: var(--grey-50);
      border: 1.5px solid var(--grey-200);
      border-radius: var(--radius-sm);
      padding: 10px 13px;
      transition: border-color var(--transition), box-shadow var(--transition), background var(--transition);
      box-shadow: var(--shadow-input);
      outline: none;
      width: 100%;
    }
    input:focus, select:focus, textarea:focus {
      border-color: var(--indigo-mid);
      background: var(--white);
      box-shadow: 0 0 0 3px rgba(45,27,105,0.10);
    }
    input::placeholder, textarea::placeholder { color: var(--grey-400); }
    select { cursor: pointer; appearance: none;
      background-image: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1L5 5L9 1' stroke='%239997B8' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
      background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px;
    }
    .hint {
      font-size: 11.5px;
      color: var(--grey-400);
      margin-top: 2px;
    }
    .field-icon-wrap { position: relative; }
    .field-icon-wrap input { padding-left: 38px; }
    .field-icon {
      position: absolute;
      left: 12px;
      top: 50%;
      transform: translateY(-50%);
      font-size: 15px;
      color: var(--grey-400);
    }

    /* ── Method Toggle ─────────────────────────────────── */
    .method-section { margin: 24px 0 20px; }
    .method-label { font-size: 13px; font-weight: 500; color: var(--grey-700); margin-bottom: 10px; display: block; }
    .toggle-wrap {
      display: grid;
      grid-template-columns: 1fr 1fr;
      background: var(--grey-100);
      border-radius: var(--radius-md);
      padding: 4px;
      gap: 4px;
    }
    .toggle-btn {
      position: relative;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      padding: 12px 16px;
      border-radius: 9px;
      cursor: pointer;
      font-size: 14px;
      font-weight: 500;
      color: var(--grey-400);
      transition: all var(--transition);
      user-select: none;
      border: 2px solid transparent;
    }
    .toggle-btn input[type="radio"] { display: none; }
    .toggle-btn .btn-icon { font-size: 18px; line-height: 1; }
    .toggle-btn .btn-text { line-height: 1.2; }
    .toggle-btn .btn-sub { font-size: 11px; font-weight: 400; color: inherit; display: block; }

    .toggle-btn:has(input:checked) {
      background: var(--white);
      color: var(--indigo-mid);
      border-color: rgba(45,27,105,0.15);
      box-shadow: 0 2px 8px rgba(30,20,86,0.12);
    }
    .toggle-btn:has(input:checked) .btn-sub { color: var(--saffron); }

    /* ── Conditional Panels ────────────────────────────── */
    .payment-panel {
      overflow: hidden;
      max-height: 0;
      opacity: 0;
      transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1), opacity 0.3s ease, margin 0.3s ease;
      margin-top: 0;
    }
    .payment-panel.active {
      max-height: 900px;
      opacity: 1;
      margin-top: 20px;
    }
    .panel-inner {
      background: var(--violet-soft);
      border-radius: var(--radius-md);
      padding: 22px 22px 10px;
      border: 1.5px solid var(--grey-100);
    }
    .panel-inner.upi { background: var(--saffron-light); border-color: rgba(249,115,22,0.15); }
    .panel-heading {
      display: flex;
      align-items: center;
      gap: 10px;
      margin-bottom: 18px;
    }
    .panel-heading-icon {
      width: 34px; height: 34px;
      border-radius: 9px;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 17px;
      background: var(--indigo-mid);
      color: #fff;
      flex-shrink: 0;
    }
    .panel-inner.upi .panel-heading-icon { background: var(--saffron); }
    .panel-heading-title { font-size: 14px; font-weight: 600; color: var(--grey-900); }
    .panel-heading-sub { font-size: 12px; color: var(--grey-400); }

    /* ── Account type radios ───────────────────────────── */
    .radio-group { display: flex; gap: 10px; }
    .radio-pill { display: flex; align-items: center; gap: 7px; cursor: pointer; }
    .radio-pill input { display: none; }
    .radio-pill .pill-box {
      width: 32px; height: 32px;
      border-radius: 8px;
      border: 2px solid var(--grey-200);
      display: flex; align-items: center; justify-content: center;
      font-size: 14px;
      transition: all var(--transition);
      background: var(--white);
    }
    .radio-pill:has(input:checked) .pill-box {
      border-color: var(--indigo-mid);
      background: var(--indigo-mid);
      color: #fff;
    }
    .radio-pill span { font-size: 13px; font-weight: 500; color: var(--grey-700); }

    /* ── Security badge ────────────────────────────────── */
    .security-note {
      display: flex;
      align-items: center;
      gap: 10px;
      background: #F0FDF4;
      border: 1px solid #BBF7D0;
      border-radius: var(--radius-sm);
      padding: 11px 14px;
      margin: 20px 0 24px;
      font-size: 12.5px;
      color: #15803D;
    }
    .security-note span { line-height: 1.4; }

    /* ── Submit button ─────────────────────────────────── */
    .submit-btn {
      width: 100%;
      padding: 15px;
      background: linear-gradient(135deg, var(--indigo-deep) 0%, var(--indigo-mid) 100%);
      color: #fff;
      font-family: inherit;
      font-size: 15px;
      font-weight: 600;
      border: none;
      border-radius: var(--radius-md);
      cursor: pointer;
      transition: all var(--transition);
      box-shadow: 0 4px 16px rgba(30,20,86,0.25);
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 8px;
      letter-spacing: 0.2px;
    }
    .submit-btn:hover {
      transform: translateY(-1px);
      box-shadow: 0 6px 20px rgba(30,20,86,0.35);
    }
    .submit-btn:active { transform: translateY(0); }

    /* ── Divider ───────────────────────────────────────── */
    .divider {
      height: 1px;
      background: var(--grey-100);
      margin: 24px 0;
    }

    /* ── Footer note ───────────────────────────────────── */
    .footer-note {
      text-align: center;
      font-size: 12px;
      color: var(--grey-400);
      margin-top: 22px;
      line-height: 1.7;
    }

    /* ── Validation states ─────────────────────────────── */
    input.invalid, select.invalid { border-color: var(--error); }
    .error-msg { font-size: 12px; color: var(--error); margin-top: 3px; display: none; }
    .error-msg.show { display: block; }

    /* ── Success overlay ───────────────────────────────── */
    .success-overlay {
      display: none;
      flex-direction: column;
      align-items: center;
      justify-content: center;
      text-align: center;
      padding: 40px 20px;
    }
    .success-overlay.show { display: flex; }
    .form-inner.hide { display: none; }
    .success-check {
      width: 70px; height: 70px;
      border-radius: 50%;
      background: #F0FDF4;
      border: 2px solid #BBF7D0;
      display: flex; align-items: center; justify-content: center;
      font-size: 32px;
      margin-bottom: 18px;
    }
    .success-overlay h2 { font-size: 22px; font-weight: 700; color: var(--grey-900); margin-bottom: 8px; }
    .success-overlay p { font-size: 14px; color: var(--grey-400); max-width: 340px; line-height: 1.6; }

    /* ── Responsive ────────────────────────────────────── */
    @media (max-width: 640px) {
      .card { padding: 24px 18px 28px; margin: -18px 14px 0; }
      .form-row.cols-2 { grid-template-columns: 1fr; }
      .banner h1 { font-size: 22px; }
    }