:root{--color-primary: #0b3d91;--color-primary-dark: #082a66;--color-accent: #ff7a00;--color-accent-dark: #d96600;--color-success: #1a7f37;--color-success-bg: #e6f4ea;--color-error: #c0392b;--color-error-bg: #fdecea;--color-bg: #f4f6f9;--color-card: #ffffff;--color-text: #1c2536;--color-muted: #6b7585;--radius: 10px}*{box-sizing:border-box}body{margin:0;font-family:Segoe UI,Roboto,Helvetica,Arial,sans-serif;background-color:var(--color-bg);background-image:radial-gradient(circle,rgba(11,61,145,.06) 1px,transparent 1px);background-size:26px 26px;color:var(--color-text)}@keyframes fadeInUp{0%{opacity:0;transform:translateY(18px)}to{opacity:1;transform:translateY(0)}}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}.fade-in{animation:fadeIn .8s ease both}.fade-in-up{animation:fadeInUp .6s ease both}.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}.reveal-visible{opacity:1;transform:translateY(0)}@keyframes 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.bg-shape-4{color:var(--color-accent);opacity:.18}.page{min-height:100vh;display:flex;flex-direction:column}.navbar{background:var(--color-card);border-bottom:1px solid #e3e7ed;position:sticky;top:0;z-index:10}.navbar-inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding:12px 24px}.navbar-logo{height:40px}.navbar-brand{display:flex;align-items:center}.navbar-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:40px;height:40px;border:none;background:none;cursor:pointer;padding:0}.navbar-toggle span{display:block;width:24px;height:2px;background:var(--color-text);border-radius:2px}.navbar-nav{display:flex;align-items:center;gap:20px}.navbar-nav a{color:var(--color-text);text-decoration:none;font-weight:500}.navbar-nav a:hover{color:var(--color-primary)}.navbar-nav a.btn-primary,.navbar-nav 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h3{margin-top:0;color:var(--color-primary)}.page-header{position:relative;overflow:hidden;display:flex;align-items:center;gap:40px;flex-wrap:wrap}.page-header-text,.page-header-image{position:relative;z-index:1}.page-header-text{flex:1 1 320px}.page-header-image{flex:1 1 280px;max-width:360px}.page-header-image img{display:block;width:100%;border-radius:var(--radius);animation:fadeIn .8s ease both}.page-header h1{font-size:2.2rem;margin-bottom:8px}.text-block{white-space:pre-line;line-height:1.6;max-width:760px}.contact-email-button{display:inline-block;margin-top:12px}.contact-email-display{margin-top:12px;color:var(--color-muted);font-family:Courier New,monospace}.legal-text{max-width:100%}.news-list{display:flex;flex-direction:column;gap:24px}.news-card{background:var(--color-card);border-radius:var(--radius);padding:24px;box-shadow:0 2px 8px #141e3c0f;transition:transform .2s ease,box-shadow .2s ease}.news-card:hover{transform:translateY(-4px);box-shadow:0 10px 24px 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.faq-icon{transform:rotate(180deg)}.faq-answer{margin:0;padding:0 20px 18px;color:var(--color-muted);animation:fadeIn .3s ease both}.auth-section{position:relative;overflow:hidden;flex:1;display:flex;align-items:center;justify-content:center;padding:48px 24px}.auth-layout{position:relative;z-index:1;display:flex;align-items:center;gap:40px;max-width:920px;width:100%}.auth-image{flex:1 1 320px;max-width:380px}.auth-image img{width:100%;border-radius:var(--radius);animation:fadeIn .8s ease both}.auth-card{background:var(--color-card);border-radius:var(--radius);padding:36px;width:100%;max-width:420px;box-shadow:0 2px 16px #141e3c14;flex:1 1 380px}.auth-card h1{margin-top:0;font-size:1.6rem;color:var(--color-primary)}.auth-subtitle{color:var(--color-muted);margin-top:-8px;margin-bottom:24px}.form-field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px}.form-field span{font-weight:600;font-size:.9rem}.form-field input,.form-field textarea,.form-field select{border:1px solid 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#e3e7ed;padding:24px}.card-title{font-size:1rem;font-weight:600;margin:0 0 16px}.beneficiary-add-card{margin-bottom:28px;max-width:600px}.beneficiary-form{display:flex;gap:12px;align-items:flex-end;flex-wrap:wrap}.beneficiary-form .form-field{flex:1 1 160px;margin:0}.beneficiary-list{display:flex;flex-direction:column;gap:10px;max-width:600px}.beneficiary-item{display:flex;align-items:center;justify-content:space-between;gap:16px;background:var(--color-card);border:1px solid #e3e7ed;border-radius:var(--radius);padding:14px 18px}.beneficiary-info{display:flex;flex-direction:column;gap:3px;min-width:0}.beneficiary-name{font-weight:600;color:var(--color-text)}.beneficiary-iban{font-size:.82rem;color:var(--color-muted);word-break:break-all}.beneficiary-swift{font-size:.78rem;color:var(--color-muted)}.card-edit-section{margin-top:8px;padding-top:16px;border-top:1px solid #eef0f4}.card-edit-title{font-size:.9rem;font-weight:600;color:var(--color-muted);text-transform:uppercase;letter-spacing:.06em;margin:0 0 14px}@keyframes skeletonShimmer{0%{background-position:-200% 0}to{background-position:200% 0}}.skeleton{display:block;background:linear-gradient(90deg,#e7eaf0 25%,#f1f3f7 37%,#e7eaf0 63%);background-size:400% 100%;animation:skeletonShimmer 1.6s ease-in-out infinite;border-radius:6px}.skeleton-text{height:14px;width:100%;margin-bottom:8px}.skeleton-text:last-child{margin-bottom:0}.skeleton-title{height:28px;width:60%;margin-bottom:16px;border-radius:8px}.skeleton-button{height:42px;width:160px;border-radius:var(--radius)}.skeleton-circle{border-radius:50%}.skeleton-image{width:100%;aspect-ratio:3 / 2;border-radius:var(--radius)}.skeleton-block{border-radius:var(--radius)}.skeleton-logo{width:140px;height:36px}.skeleton-navlinks{display:flex;align-items:center;gap:20px}.skeleton-navlink{width:60px;height:14px}.skeleton-balance-card{height:110px;border-radius:var(--radius);margin-bottom:24px}.skeleton-row{display:flex;align-items:center;gap:16px;padding:14px 16px;border-bottom:1px solid #eef0f4}.skeleton-row:last-child{border-bottom:none}.skeleton-bank-card{width:100%;max-width:380px;aspect-ratio:1.586;border-radius:18px}@media (max-width: 900px){.admin-layout{flex-direction:column}.admin-sidebar{width:100%;flex-direction:row;align-items:center;flex-wrap:wrap;gap:12px 20px;padding:16px 20px}.admin-sidebar h2{margin:0}.admin-sidebar .muted{display:none}.admin-sidebar nav{flex-direction:row;flex-wrap:wrap;margin:0;gap:8px}.admin-sidebar .btn-block{margin-left:auto;width:auto}.admin-main{padding:20px 16px;max-width:100%}}@media (max-width: 768px){.navbar-inner{position:relative;padding:10px 16px}.navbar-toggle{display:flex}.skeleton-navlinks{display:none}.navbar-nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:flex-start;gap:4px;background:var(--color-card);border-bottom:1px solid #e3e7ed;box-shadow:0 8px 16px #141e3c14;padding:8px 16px 16px;z-index:20}.navbar-nav.open{display:flex}.navbar-nav a,.navbar-nav .link-button,.navbar-nav .btn,.navbar-nav .user-menu-toggle{width:100%;padding:10px 0}.navbar-nav .btn{width:auto;padding:10px 20px;margin-top:8px}.navbar-nav .user-menu{width:100%}.navbar-nav .user-menu-dropdown{position:static;box-shadow:none;margin:0 0 4px;padding:0 0 0 12px}.auth-image{display:none}}@media (max-width: 640px){.navbar-inner,.footer-inner{padding-left:16px;padding-right:16px}.hero{min-height:320px}.hero-overlay{padding:32px 16px}.hero-overlay h1{font-size:1.9rem}.hero-overlay p{font-size:1rem}.section{padding:32px 16px}.page-header h1{font-size:1.7rem}.auth-section{padding:24px 16px}.auth-card{padding:24px}.balance-card{flex-direction:column;gap:16px;padding:20px}.footer-columns{gap:24px}.image-field-row{flex-wrap:wrap}.admin-header{flex-direction:column;align-items:stretch;gap:12px}.modal{padding:20px}.modal-actions{flex-direction:column-reverse}.modal-actions .btn{width:100%}.balance-adjust{flex-direction:column;align-items:stretch}.balance-adjust .btn{width:100%}.profile-grid{grid-template-columns:1fr}.beneficiary-form{flex-direction:column;align-items:stretch}.beneficiary-form .btn{width:100%}.section-header{flex-direction:column;align-items:flex-start;gap:4px}}