:root {
  color-scheme: light;
  --navy: #141633;
  --blue: #1e7fbd;
  --cyan: #2fb9e8;
  --ink: #17213e;
  --muted: #64708a;
  --line: #dce2ee;
  --soft: #f5f7fb;
  --surface: #fff;
  --green: #25855d;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: #f7f9fc;
}

* { box-sizing: border-box; }
html { min-height: 100%; background: #f7f9fc; }
body { min-height: 100vh; margin: 0; overflow-x: hidden; background: radial-gradient(circle at 50% 100px, rgba(47,185,232,.1), transparent 38%), #f7f9fc; }
button, input, select { font: inherit; }
button, select { cursor: pointer; }
[hidden] { display: none !important; }
.sr-only { position: absolute !important; width: 1px !important; height: 1px !important; padding: 0 !important; margin: -1px !important; overflow: hidden !important; clip: rect(0,0,0,0) !important; white-space: nowrap !important; border: 0 !important; }
.noscript-message { max-width: 760px; margin: 20px auto; padding: 13px 16px; border: 1px solid #e0b4b4; border-radius: 8px; background: #fff4f4; color: #8f2222; text-align: center; font-size: 13px; }

body.welcome-open { overflow: hidden; }
.welcome-notice {
  position: fixed;
  inset: 0;
  z-index: 1000;
  display: grid;
  place-items: center;
  padding: 24px;
  background: rgba(12, 23, 52, .42);
  backdrop-filter: blur(2px);
  -webkit-backdrop-filter: blur(2px);
}
.welcome-card {
  position: relative;
  width: min(430px, 100%);
  padding: 34px 38px 32px;
  border: 1px solid rgba(220, 226, 238, .86);
  border-radius: 18px;
  background: #fff;
  box-shadow: 0 24px 65px rgba(22, 42, 74, .24);
  text-align: center;
}
.welcome-close {
  position: absolute;
  top: 10px;
  right: 14px;
  width: 36px;
  height: 36px;
  padding: 0;
  border: 0;
  background: transparent;
  color: var(--muted);
  font-size: 27px;
  line-height: 1;
}
.welcome-close:hover { color: var(--ink); }
.welcome-close:focus-visible,
.welcome-continue:focus-visible { outline: 3px solid rgba(30, 127, 189, .28); outline-offset: 2px; }
.welcome-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 13px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: #eaf6fc;
  color: var(--blue);
}
.welcome-icon svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.welcome-eyebrow { color: var(--blue); font-size: 10px; font-weight: 700; letter-spacing: .13em; text-transform: uppercase; }
.welcome-card h2 { margin: 8px 0 13px; color: var(--blue); font-size: 25px; line-height: 1.2; font-weight: 650; }
.welcome-card h2:focus { outline: none; }
.welcome-card p { max-width: 350px; margin: 0 auto 25px; color: var(--muted); font-size: 13px; line-height: 1.55; }
.welcome-continue { width: 100%; min-height: 46px; }
.legacy-return-card { border-top: 4px solid #2496c8; }
.legacy-return-icon {
  display: grid;
  place-items: center;
  width: 54px;
  height: 54px;
  margin: 0 auto 12px;
  border-radius: 50%;
  background: #e8f6fb;
  color: #1680af;
  font-size: 27px;
  font-weight: 700;
}

.ac-header {
  min-height: 100px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 30px;
  background: var(--navy);
  color: #fff;
}

.ac-logo { display: flex; align-items: center; gap: 5px; color: #fff; text-decoration: none; font-size: 32px; letter-spacing: -.6px; }
.ac-logo img { width: 96px; height: 64px; object-fit: cover; object-position: top; }
.ac-logo span { color: var(--blue); }
.secure { display: flex; align-items: center; gap: 9px; font-size: 14px; }
.secure svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.secure-copy { display: grid; gap: 1px; line-height: 1.15; }
.secure-copy strong { font-size: 13px; font-weight: 650; }
.secure-copy small { color: rgba(255,255,255,.68); font-size: 10px; }

.stage { min-height: calc(100vh - 100px); padding: 42px 24px 52px; display: flex; justify-content: center; align-items: flex-start; }
.panel { display: none; }
.panel.active { display: grid; }
.payment-shell {
  width: min(100%, 760px);
  min-height: 440px;
  grid-template-columns: 210px minmax(0, 1fr);
  position: relative;
  overflow: hidden;
  background: rgba(255,255,255,.96);
  border: 1px solid rgba(211,219,233,.95);
  border-radius: 20px;
  box-shadow: 0 18px 52px rgba(24,40,76,.11);
}
.watermark { position: absolute; z-index: 0; width: 420px; height: auto; left: 74%; bottom: -78px; transform: translateX(-50%); opacity: .14; pointer-events: none; filter: grayscale(.1); }
.intro, .form-pane { position: relative; z-index: 1; }
.intro { padding: 42px 20px; background: linear-gradient(145deg, rgba(20,22,51,.98), rgba(25,91,142,.94)); color: #fff; }
.eyebrow { color: #7bd4f3; letter-spacing: .08em; text-transform: uppercase; font-size: 12px; font-weight: 600; }
.intro p { margin: 18px 0 0; color: rgba(255,255,255,.82); font-size: 15px; line-height: 1.55; }
.step-list { display: grid; gap: 13px; margin-top: 32px; font-size: 13px; color: rgba(255,255,255,.82); }
.step-list span { display: flex; align-items: center; gap: 10px; }
.step-list b { width: 24px; height: 24px; flex: 0 0 24px; display: inline-grid; place-items: center; border-radius: 50%; background: rgba(255,255,255,.12); color: #fff; font-size: 12px; font-weight: 600; }
.step-list .complete { color: rgba(255,255,255,.68); }
.step-list .complete b { background: rgba(71,211,160,.18); color: #8ce5c1; }

.form-pane { padding: 38px 38px 34px; min-width: 0; }
.progress { display: flex; gap: 7px; margin-bottom: 28px; }
.progress span { height: 3px; flex: 1; border-radius: 4px; background: #dfe4ef; }
.progress .current, .progress .complete { background: var(--blue); }
.mobile-step { display: none; }
h1 { margin: 0 0 7px; color: var(--blue); font-size: 22px; line-height: 1.2; font-weight: 600; letter-spacing: -.3px; }
h1:focus { outline: none; }
h2 { margin: 6px 0 4px; color: var(--blue); font-size: 17px; font-weight: 600; }
.form-copy { margin: 0 0 24px; color: var(--muted); font-size: 14px; line-height: 1.5; }
.form-stage + .form-stage { margin-top: 19px; padding-top: 19px; border-top: 1px solid rgba(220,226,238,.9); }
.location-stage + #account-stage { margin-top: 0; padding-top: 0; border-top: 0; }
.field { display: block; margin: 0 0 17px; color: var(--ink); font-size: 13px; font-weight: 600; }
.field input, .field select, select {
  display: block;
  width: 100%;
  height: 46px;
  margin-top: 7px;
  padding: 0 13px;
  border: 1px solid #cfd7e6;
  border-radius: 8px;
  background: rgba(255,255,255,.94);
  color: var(--ink);
  outline: none;
  transition: border-color .16s ease, box-shadow .16s ease;
}
.field input:focus, .field select:focus, select:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(30,127,189,.13); }
.field small, #lookup-help { display: block; margin-top: 6px; color: var(--muted); font-size: 11px; line-height: 1.35; font-weight: 400; }
.field-error, .lookup-error { color: #b52828 !important; }
.lookup-error { margin: 10px 0 0; padding: 9px 11px; border-radius: 7px; background: rgba(181,40,40,.08); font-size: 12px; }
input[aria-invalid="true"], select[aria-invalid="true"] { border-color: #bd3131; }

.primary, .secondary {
  min-height: 47px;
  border-radius: 8px;
  padding: 0 17px;
  font-weight: 600;
  transition: transform .12s ease, box-shadow .12s ease, opacity .12s ease;
}
.primary { border: 0; background: linear-gradient(180deg, #258bd0, #1763a4); color: #fff; box-shadow: 0 7px 16px rgba(23,99,164,.16); }
.secondary { border: 1px solid #bdc7d9; background: rgba(255,255,255,.88); color: var(--ink); }
.primary:hover:not(:disabled), .secondary:hover:not(:disabled), .amounts button:hover, .method:hover { transform: translateY(-1px); }
.primary:focus-visible, .secondary:focus-visible, .amounts button:focus-visible, .method:focus-visible { outline: 3px solid rgba(30,127,189,.22); outline-offset: 2px; }
.primary:disabled { cursor: not-allowed; opacity: .52; box-shadow: none; }
button:disabled { pointer-events: none; }
.verify-button, #confirm-recipient { width: 100%; }
.spinner { display: none; width: 15px; height: 15px; margin-left: 8px; vertical-align: -2px; border: 2px solid rgba(255,255,255,.45); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
.is-loading .spinner { display: inline-block; }
@keyframes spin { to { transform: rotate(360deg); } }

.verified { margin-top: 15px; padding: 14px; border: 1px solid #b9d9ee; border-radius: 9px; background: rgba(240,248,253,.94); }
.verified-heading { display: flex; align-items: center; gap: 7px; color: var(--blue); font-size: 12px; }
.verified-icon { width: 20px; height: 20px; display: grid; place-items: center; border-radius: 50%; background: #dff2fb; }
.verified > strong { display: block; margin-top: 10px; font-size: 17px; }
.verified > span { display: block; margin-top: 4px; color: var(--muted); font-size: 12px; line-height: 1.4; }
.confirm-check { display: flex; align-items: flex-start; gap: 8px; margin-top: 13px; font-size: 12px; font-weight: 600; line-height: 1.35; }
.confirm-check input { width: 16px; height: 16px; margin: 0; accent-color: var(--blue); }
.stage-intro { margin: 0 0 15px; color: var(--muted); font-size: 12px; }
.customer-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 11px; }
.payer-stage { padding-bottom: 2px; }
.help { display: flex; justify-content: center; gap: 5px; margin-top: 18px; color: var(--muted); font-size: 12px; }
.help a { color: var(--blue); font-weight: 600; text-decoration: none; }

.recipient-summary { display: grid; grid-template-columns: 1.15fr .85fr; gap: 10px; margin: 0 0 18px; padding: 13px; border: 1px solid rgba(220,226,238,.95); border-radius: 9px; background: rgba(247,249,252,.86); }
.recipient-summary div:first-child { grid-column: 1 / -1; }
.recipient-summary span, .mini span { display: block; margin-bottom: 3px; color: var(--muted); font-size: 10px; text-transform: uppercase; letter-spacing: .05em; }
.recipient-summary b, .mini b { font-size: 12px; }
.amounts { display: grid; grid-template-columns: repeat(3,1fr); gap: 9px; }
.amounts button { min-height: 64px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px; padding: 7px 5px; border: 1px solid #d4dbe8; border-radius: 8px; background: rgba(255,255,255,.88); color: var(--ink); transition: transform .12s ease, border-color .16s ease, box-shadow .16s ease, background .16s ease; }
.amounts button b { font-size: 16px; font-weight: 600; }
.amounts button small { color: var(--muted); font-size: 9px; font-weight: 550; line-height: 1.25; }
.amounts button.selected small { color: #327fab; }
.amounts button.selected { border-color: var(--blue); color: var(--blue); background: rgba(235,247,253,.92); box-shadow: inset 0 0 0 1px var(--blue); }
.summary { margin-top: 18px; padding: 13px 15px; border: 1px solid #d7deeb; border-radius: 9px; background: rgba(247,249,252,.9); }
.summary div { display: flex; justify-content: space-between; gap: 15px; padding: 5px 0; color: var(--muted); font-size: 12px; }
.summary b { color: var(--ink); font-weight: 600; }
.summary .total { margin-top: 5px; padding-top: 11px; border-top: 1px solid #d5dce8; color: var(--ink); font-size: 14px; }
.actions { display: grid; grid-template-columns: auto 1fr; gap: 10px; margin-top: 20px; }
.mini { display: flex; align-items: center; justify-content: space-between; margin: 0 0 13px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; background: rgba(247,249,252,.9); }
.mini span { margin: 0; }
.methods { display: grid; gap: 9px; }
.method { width: 100%; min-height: 62px; display: grid; grid-template-columns: 38px 1fr 18px; align-items: center; gap: 11px; padding: 10px 12px; text-align: left; border: 1px solid #d2dae8; border-radius: 9px; background: rgba(255,255,255,.91); color: var(--ink); transition: transform .12s ease, border-color .16s ease, box-shadow .16s ease, background .16s ease; }
.method.selected { border-color: var(--blue); box-shadow: inset 0 0 0 1px var(--blue), 0 6px 16px rgba(30,127,189,.1); background: rgba(238,248,253,.92); }
.method img, .fake-logo { width: 34px; height: 34px; object-fit: contain; }
.fake-logo { display: grid; place-items: center; border-radius: 50%; background: #238fca; color: #fff; font-size: 9px; font-weight: 700; }
.method b, .method small { display: block; }
.method b { font-size: 13px; }
.method small { margin-top: 3px; color: var(--muted); font-size: 10px; }
.radio { width: 17px; height: 17px; border: 1px solid #aeb9cb; border-radius: 50%; }
.method.selected .radio { border: 5px solid var(--blue); }
.note { margin: 11px 0 0; color: var(--muted); font-size: 11px; line-height: 1.4; }
.live-payment-warning { color: #7a4b00; }
.payment-consent { display: flex; align-items: flex-start; gap: 9px; margin-top: 14px; color: var(--ink); font-size: 12px; line-height: 1.45; }
.payment-consent input { width: 17px; height: 17px; margin: 0; flex: 0 0 auto; accent-color: var(--blue); }
.payment-consent a { color: var(--blue); font-weight: 600; }
.payment-error { display: block; margin-top: 8px; }
.provider-container { margin-top: 14px; min-height: 42px; position: relative; z-index: 2; }
.provider-container[hidden] { display: none; }
.method:disabled { opacity: .58; cursor: not-allowed; pointer-events: auto; }
.method:disabled:hover { transform: none; }

.success { text-align: center; }
.success .progress { text-align: left; }
.check { width: 55px; height: 55px; display: grid; place-items: center; margin: 0 auto 15px; border-radius: 50%; background: #e2f6eb; color: #218356; font-size: 25px; }
.success > p { margin: 8px 0 18px; color: var(--muted); font-size: 13px; }
.email-confirmation { padding: 12px; border: 1px solid #d5e5f0; border-radius: 8px; background: rgba(241,248,252,.92); color: var(--ink); font-size: 12px; line-height: 1.45; }
.email-confirmation small { display: block; margin-top: 4px; color: var(--muted); }
.success dl { margin: 17px 0; padding: 0 2px; }
.success dl div { display: flex; justify-content: space-between; gap: 15px; padding: 7px 0; border-bottom: 1px solid rgba(220,226,238,.85); text-align: left; font-size: 11px; }
.success dt { color: var(--muted); }
.success dd { margin: 0; font-weight: 600; text-align: right; }
.success .ok { color: var(--green); }
.success-actions { display: grid; gap: 9px; }
.success-actions .secondary { background: rgba(255,255,255,.92); }
.confirmation-note { display: block; margin-top: 12px; color: var(--muted); font-size: 10px; line-height: 1.4; }

.panel.active .form-pane { animation: panel-in .2s ease-out; }
@keyframes panel-in { from { opacity: .72; transform: translateY(4px); } to { opacity: 1; transform: translateY(0); } }

.site-footer {
  width: min(1180px, calc(100% - 48px));
  min-height: 66px;
  margin: 0 auto;
  border-top: 1px solid rgba(31, 76, 117, .14);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 12px 16px 20px;
  color: var(--muted);
  font-size: 11px;
}
.legal-identity { display: grid; gap: 5px; }
.legal-identity span { font-size: 12px; }
.legal-identity strong { font-weight: 700; }
.legal-identity small { font-size: 10px; }
.site-footer nav { display: flex; gap: 14px; }
.site-footer a { color: var(--blue); font-weight: 600; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }

@media (max-width: 680px) {
  .welcome-notice { padding: 15px; }
  .welcome-card { padding: 30px 24px 26px; border-radius: 16px; }
  .welcome-card h2 { font-size: 22px; }
  .welcome-card p { font-size: 12px; }
  .ac-header { min-height: 82px; padding: 7px 16px; }
  .ac-logo { font-size: 24px; }
  .ac-logo img { width: 76px; height: 51px; }
  .secure { gap: 6px; }
  .secure svg { width: 16px; height: 16px; }
  .secure-copy strong { font-size: 11px; }
  .secure-copy small { display: none; }
  .stage { min-height: 0; padding: 18px 12px 28px; }
  .panel.active { display: block; }
  .payment-shell { width: 100%; min-height: 500px; }
  .intro { padding: 22px 22px 18px; }
  .intro p { margin-top: 10px; }
  .step-list { display: none; }
  .form-pane { padding: 24px 22px 28px; }
  .progress { margin-bottom: 12px; }
  .mobile-step { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin: 0 0 22px; color: var(--muted); font-size: 11px; }
  .mobile-step b { color: var(--blue); font-size: 11px; font-weight: 650; }
  .complete-step b { color: var(--green); }
  .watermark { width: 330px; left: 50%; bottom: -58px; }
  .customer-fields { grid-template-columns: 1fr; gap: 0; }
  .recipient-summary { grid-template-columns: 1fr; }
  .recipient-summary div:first-child { grid-column: auto; }
  .success-actions { gap: 8px; }
  .site-footer { width: calc(100% - 32px); align-items: flex-start; flex-direction: column; gap: 10px; padding: 12px 0 22px; }
}

@media (max-width: 430px) {
  .ac-header { min-height: 76px; }
  .ac-logo { font-size: 21px; gap: 2px; }
  .ac-logo img { width: 68px; height: 46px; }
  .stage { padding: 12px 9px 22px; }
  .payment-shell { border-radius: 16px; }
  .intro { padding: 19px 18px 16px; }
  .form-pane { padding: 21px 17px 23px; }
  h1 { font-size: 20px; }
  .form-copy { margin-bottom: 20px; font-size: 13px; }
  .field input, .field select, select { height: 48px; }
  .primary, .secondary { min-height: 49px; }
}

@media (max-height: 700px) and (min-width: 681px) {
  .stage { padding-top: 20px; padding-bottom: 28px; }
  .payment-shell { min-height: 420px; }
}

@media (max-width: 390px) {
  .amounts { grid-template-columns: repeat(2,1fr); }
  .actions { grid-template-columns: 1fr; }
  .actions .secondary { order: 2; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation-duration: .01ms !important; transition-duration: .01ms !important; }
}