:root {
    --ink: #1c1915;
    --paper: #f4efe6;
    --panel: #fffaf3;
    --line: #d7cfc2;
    --ok: #166534;
    --err: #9f1239;
    --muted: #6b6258;
}

.theme-hdfc {
    --accent: #004c8f;
    --accent-soft: #e8f0fa;
}

.theme-icici {
    --accent: #b02a30;
    --accent-soft: #fdeee9;
}

* { box-sizing: border-box; }

html, body {
    margin: 0;
    background:
        radial-gradient(ellipse 80% 50% at 10% -10%, var(--accent-soft) 0%, transparent 55%),
        var(--paper);
    color: var(--ink);
    font: 16px/1.5 ui-sans-serif, system-ui, sans-serif;
    min-height: 100vh;
}

.shell { max-width: 960px; margin: 0 auto; padding: 48px 20px 80px; }
.shell.narrow { max-width: 440px; }

.mast h1 { font-size: 2rem; margin: 0 0 12px; letter-spacing: -0.02em; }
.mast.row { display: flex; justify-content: space-between; align-items: flex-start; gap: 20px; }

.kicker {
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-size: 0.75rem;
    color: var(--accent);
    margin: 0 0 8px;
    font-weight: 700;
}

.lede { color: var(--muted); margin: 0; }
.hint { color: var(--muted); font-size: 0.9rem; }
.api-hint { margin-top: 12px; }
.api-hint code { font-size: 0.82rem; }

.panel {
    background: var(--panel);
    border: 1px solid var(--line);
    padding: 22px;
    margin-top: 24px;
}

.panel h2 { margin: 0 0 16px; font-size: 1.1rem; }

label { display: block; margin-bottom: 14px; font-size: 0.9rem; }
input, select, button {
    display: block;
    width: 100%;
    margin-top: 6px;
    padding: 10px 12px;
    font: inherit;
    border: 1px solid var(--line);
    background: #fff;
}

button {
    cursor: pointer;
    background: var(--accent);
    color: #fff;
    border-color: var(--accent);
    font-weight: 600;
    margin-top: 8px;
}

button.secondary {
    background: transparent;
    color: var(--accent);
}

button:disabled { opacity: 0.5; cursor: not-allowed; }

.flash {
    padding: 12px 14px;
    margin-top: 16px;
    border: 1px solid;
}

.flash.ok { background: #ecfdf5; border-color: #86efac; color: var(--ok); }
.flash.err { background: #fff1f2; border-color: #fda4af; color: var(--err); }

code.otp { font-size: 1.25rem; letter-spacing: 0.2em; font-weight: 700; }

.resend { margin-top: 12px; }
.resend-timer { font-size: 0.85rem; color: var(--muted); }
.is-hidden { display: none; }

.grid.dash {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
    margin-top: 28px;
}

.meta { padding-left: 18px; color: var(--muted); }
.meta li { margin-bottom: 8px; }
.meta code { color: var(--ink); }

a { color: var(--accent); }