/* ==========================================================
   用户端样式 - 登录页 & 用户中心
   高级美化版 - 深色金风格
   ========================================================== */

:root {
  --bg: #faf7f2;
  --card: #ffffff;
  --card-2: #fbf8f3;
  --gold: #b8912a;
  --gold-light: #96731d;
  --gold-grad: linear-gradient(135deg,#d4af37 0%,#b8912a 100%);
  --gold-glow: rgba(184,145,42,.18);
  --text: #3d3229;
  --muted: #97907f;
  --border: rgba(184,145,42,.28);
  --border-soft: #eee7da;
  --radius: 14px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html, body { height: 100%; }
body {
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", "Noto Sans CJK SC", sans-serif;
  font-size: 15px;
  line-height: 1.7;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
.container { width: min(720px, 94%); margin: 0 auto; }
.gold-text { color: var(--gold-light); }

/* ===================== 动态背景 ===================== */
.bg-grid {
  position: fixed; inset: 0; z-index: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(184,145,42,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(184,145,42,.03) 1px, transparent 1px);
  background-size: 60px 60px;
  opacity: .6;
}
.bg-glow {
  position: fixed; border-radius: 50%; filter: blur(80px); pointer-events: none; z-index: 0;
}
.bg-glow-1 {
  width: 500px; height: 500px; top: -150px; right: -100px;
  background: radial-gradient(circle, rgba(184,145,42,.1) 0%, transparent 70%);
  animation: floatGlow1 12s ease-in-out infinite;
}
.bg-glow-2 {
  width: 400px; height: 400px; bottom: -100px; left: -80px;
  background: radial-gradient(circle, rgba(184,145,42,.08) 0%, transparent 70%);
  animation: floatGlow2 15s ease-in-out infinite;
}
.bg-glow-3 {
  width: 300px; height: 300px; top: 40%; left: 50%;
  background: radial-gradient(circle, rgba(184,145,42,.06) 0%, transparent 70%);
  animation: floatGlow3 10s ease-in-out infinite;
}
@keyframes floatGlow1 {
  0%,100% { transform: translate(0,0); }
  50% { transform: translate(-40px,30px); }
}
@keyframes floatGlow2 {
  0%,100% { transform: translate(0,0); }
  50% { transform: translate(30px,-40px); }
}
@keyframes floatGlow3 {
  0%,100% { transform: translate(-50%,0) scale(1); }
  50% { transform: translate(-50%,0) scale(1.2); }
}

/* 粒子 */
.auth-particles {
  position: fixed; inset: 0; z-index: 0; pointer-events: none; overflow: hidden;
}
.particle {
  position: absolute;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0;
  box-shadow: 0 0 6px rgba(184,145,42,.6);
  animation: particleFloat linear infinite;
}
@keyframes particleFloat {
  0% { opacity: 0; transform: translateY(100vh) scale(0); }
  10% { opacity: .7; }
  90% { opacity: .7; }
  100% { opacity: 0; transform: translateY(-10vh) scale(1); }
}

/* ===================== 返回首页 ===================== */
.back-link {
  position: relative; z-index: 10;
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--muted); font-size: 13px; padding: 20px 0; margin-left: 5%;
  transition: .2s;
}
.back-link:hover { color: var(--gold); }
.back-link svg { transition: transform .2s; }
.back-link:hover svg { transform: translateX(-3px); }

/* ===================== 登录/注册页 ===================== */
.auth-wrapper {
  position: relative; z-index: 10;
  display: flex; align-items: center; justify-content: center;
  min-height: 100vh; padding: 20px 16px 40px;
}
.auth-card {
  position: relative;
  background: #ffffff;
  backdrop-filter: blur(30px);
  border: 1px solid rgba(184,145,42,.2);
  border-radius: 28px;
  padding: 48px 40px;
  width: 100%; max-width: 440px;
  box-shadow:
    0 0 0 1px rgba(184,145,42,.06),
    0 40px 100px rgba(120,95,40,.25),
    0 0 80px rgba(184,145,42,.08),
    inset 0 1px 0 rgba(184,145,42,.06);
  animation: cardIn .7s cubic-bezier(.22,.61,.36,1) both;
  overflow: hidden;
}
.card-glow {
  position: absolute; top: 0; left: 50%; transform: translateX(-50%);
  width: 70%; height: 2px;
  background: linear-gradient(90deg, transparent, var(--gold-light), transparent);
  box-shadow: 0 0 20px 4px rgba(184,145,42,.4);
}
@keyframes cardIn {
  from { opacity: 0; transform: translateY(30px) scale(.96); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

/* 品牌区 */
.auth-brand {
  display: flex; align-items: center; gap: 16px; margin-bottom: 36px;
}
.auth-logo-wrap { position: relative; flex-shrink: 0; }
.auth-logo {
  width: 56px; height: 56px; border-radius: 16px;
  background: linear-gradient(135deg,#1c1608,#0a0803);
  display: flex; align-items: center; justify-content: center;
  box-shadow: inset 0 0 0 1.5px rgba(226,188,98,.85), 0 6px 24px rgba(184,145,42,.4);
  position: relative; z-index: 1; padding: 3px;
}
.auth-logo img{width:100%;height:100%;object-fit:contain;border-radius:inherit;display:block;}
.logo-ring {
  position: absolute; inset: -4px; border-radius: 20px;
  background: var(--gold-grad); z-index: 0; opacity: .3; filter: blur(10px);
  animation: logoPulse 3s ease-in-out infinite;
}
@keyframes logoPulse {
  0%,100% { opacity: .3; transform: scale(1); }
  50% { opacity: .5; transform: scale(1.05); }
}
.auth-brand-text { display: flex; flex-direction: column; }
.auth-title { font-size: 22px; font-weight: 700; letter-spacing: .5px; }
.auth-sub { font-size: 12px; color: var(--muted); margin-top: 3px; letter-spacing: .3px; }

/* 错误/成功提示 */
.auth-error, .auth-success {
  padding: 12px 16px; border-radius: 12px; margin-bottom: 20px; font-size: 13px;
  animation: shakeIn .4s ease both;
}
@keyframes shakeIn {
  0% { opacity: 0; transform: translateX(-8px); }
  50% { transform: translateX(4px); }
  100% { opacity: 1; transform: translateX(0); }
}
.auth-error { background: rgba(201,79,79,.1); color: #c94f4f; border: 1px solid rgba(201,79,79,.2); }
.auth-success { background: rgba(47,158,99,.1); color: #2f9e63; border: 1px solid rgba(47,158,99,.2); }

/* 表单标题 */
.auth-form h2 {
  font-size: 17px; font-weight: 600; margin-bottom: 26px;
  color: var(--text);
  display: flex; align-items: center; gap: 10px;
}
.auth-form h2 span {
  display: inline-flex; align-items: center; gap: 10px;
}
.auth-form h2::before {
  content: '';
  width: 3px; height: 18px; border-radius: 2px;
  background: var(--gold-grad); display: inline-block;
  box-shadow: 0 0 8px rgba(184,145,42,.5);
}

/* 表单组 - 浮动标签 */
.form-group {
  position: relative; margin-bottom: 22px;
}
.form-group label {
  position: absolute; left: 44px; top: 50%; transform: translateY(-50%);
  font-size: 14px; color: var(--muted);
  transition: all .2s ease; pointer-events: none;
  background: transparent; padding: 0 6px;
}
.form-group input {
  width: 100%; padding: 16px 48px 16px 44px;
  border-radius: 14px;
  background: rgba(184,145,42,.06);
  border: 1px solid var(--border-soft);
  color: var(--text); font-size: 15px; outline: none; transition: all .25s ease;
}
.form-group input::placeholder { color: transparent; }
.form-group input:focus {
  border-color: var(--gold);
  background: rgba(184,145,42,.05);
  box-shadow: 0 0 0 4px rgba(184,145,42,.1), 0 4px 20px rgba(120,95,40,.2);
}
.form-group input:focus ~ label,
.form-group input:not(:placeholder-shown) ~ label {
  top: 0; transform: translateY(-50%) scale(.82);
  color: var(--gold); background: var(--card); left: 40px;
}
.form-group .field-icon {
  position: absolute; left: 16px; top: 50%; transform: translateY(-50%);
  color: var(--muted); transition: all .2s; pointer-events: none;
}
.form-group input:focus ~ .field-icon { color: var(--gold); }

/* 密码切换按钮 */
.pwd-toggle {
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
  background: none; border: none; padding: 4px; cursor: pointer;
  color: var(--muted); transition: color .2s; display: flex; align-items: center;
}
.pwd-toggle:hover { color: var(--gold); }

/* 验证码输入框 + 发送按钮 */
.form-group-code { position: relative; }
.form-group-code .field-icon { left: 14px; }
.form-group-code input { padding-right: 130px !important; }
.btn-send-code {
  position: absolute; right: 8px; top: 50%; transform: translateY(-50%);
  padding: 6px 14px; border: 1px solid rgba(184,145,42,.5); border-radius: 8px;
  background: rgba(184,145,42,.12); color: var(--gold);
  font-size: 13px; font-weight: 600; cursor: pointer; white-space: nowrap;
  transition: all .2s; z-index: 2;
}
.btn-send-code:hover { background: rgba(184,145,42,.22); }
.btn-send-code:disabled { opacity: .5; cursor: not-allowed; }

/* 提交按钮 - 流光 + 水波纹效果 */
.btn-submit {
  position: relative;
  width: 100%; padding: 16px; border: none; border-radius: 14px;
  background: var(--gold-grad); color: #fff;
  font-size: 16px; font-weight: 700; letter-spacing: 3px;
  cursor: pointer; transition: transform .2s cubic-bezier(.34,1.56,.64,1), box-shadow .25s;
  margin-top: 6px; overflow: hidden;
  box-shadow: 0 4px 20px rgba(184,145,42,.3);
  -webkit-tap-highlight-color: transparent;
  user-select: none;
}
.btn-submit::before {
  content: '';
  position: absolute; top: 0; left: -100%; width: 100%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.3), transparent);
  transition: left .5s ease;
}
.btn-submit:hover::before { left: 100%; }
.btn-submit:hover {
  transform: translateY(-2px) scale(1.01);
  box-shadow: 0 12px 40px rgba(184,145,42,.45);
}
.btn-submit:active {
  transform: translateY(0) scale(0.97);
  transition: transform .1s;
}
.btn-submit:disabled { opacity: .6; cursor: not-allowed; transform: none; box-shadow: none; }
/* 按钮已提交/失败状态 */
.btn-submit.submitted {
  background: linear-gradient(135deg,#2f9e63,#2f9e63) !important;
  box-shadow: 0 4px 20px rgba(47,158,99,.35) !important;
}
.btn-submit.error-state {
  background: linear-gradient(135deg,#d64545,#c0392b) !important;
  box-shadow: 0 4px 20px rgba(201,79,79,.3) !important;
}
/* 水波纹元素 */
.btn-submit .ripple-circle {
  position: absolute; border-radius: 50%;
  background: rgba(255,255,255,.45);
  transform: scale(0); animation: ripple .55s ease-out;
  pointer-events: none;
}

/* 加载动画 */
.btn-loading {
  display: inline-block; width: 14px; height: 14px;
  border: 2px solid rgba(255,255,255,.4); border-top-color: #fff;
  border-radius: 50%; animation: spin .6s linear infinite;
  margin-right: 8px; vertical-align: middle;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* 切换链接 */
.form-tip {
  font-size: 12.5px; color: var(--muted); text-align: center; margin-top: 18px;
  font-weight: 400; letter-spacing: .2px;
}
.form-tip a {
  color: var(--gold-light); font-weight: 600;
  border-bottom: 1px solid rgba(184,145,42,.3);
  transition: border-color .2s;
}
.form-tip a:hover { border-color: var(--gold); }
/* 错误/成功提示 */
.form-tip.tip-err {
  color: #c94f4f; margin-top: 14px; background: rgba(201,79,79,.08);
  border: 1px solid rgba(201,79,79,.2); padding: 10px 14px; border-radius: 10px;
  font-size: 13px; display: flex; align-items: center; gap: 8px;
  animation: tipSlide .3s ease;
}
.form-tip.tip-ok {
  color: #2f9e63; margin-top: 14px; background: rgba(47,158,99,.08);
  border: 1px solid rgba(47,158,99,.2); padding: 10px 14px; border-radius: 10px;
  font-size: 13px; display: flex; align-items: center; gap: 8px;
  animation: tipSlide .3s ease;
}
.form-tip.tip-err::before,
.form-tip.tip-ok::before {
  font-weight: 700; font-size: 14px; flex-shrink: 0;
}
.form-tip.tip-err::before { content: '✕'; }
.form-tip.tip-ok::before { content: '✓'; }
@keyframes tipSlide {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* 必填标记 */
.req { color: #d64545; margin-left: 2px; }

/* 身份证照片上传 */
.id-photo-section {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px;
  margin-bottom: 22px;
}
.id-photo-group { display: flex; flex-direction: column; gap: 6px; }
.id-photo-group label {
  font-size: 12px; color: var(--muted); text-align: center;
}
.id-photo-drop {
  border: 1px dashed var(--border-soft); border-radius: 12px;
  padding: 12px 8px; text-align: center; cursor: pointer;
  transition: all .2s; color: var(--muted); font-size: 11px;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
}
.id-photo-drop:hover { border-color: var(--gold); color: var(--gold); }
.id-photo-drop.has-file { border-color: var(--gold); background: rgba(184,145,42,.05); }
.id-photo-drop svg { opacity: .6; }

/* 表单切换动画 */
.auth-form { animation: formIn .4s ease both; }
@keyframes formIn {
  from { opacity: 0; transform: translateX(16px); }
  to { opacity: 1; transform: translateX(0); }
}

/* 底部安全提示 */
.auth-footer {
  display: flex; align-items: center; justify-content: center; gap: 6px;
  margin-top: 28px; padding-top: 20px;
  border-top: 1px solid var(--border-soft);
  font-size: 12px; color: var(--muted);
}
.auth-footer svg { opacity: .6; }

/* ===================== 用户中心 ===================== */
.uc-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,253,249,.96); backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-soft); height: 60px;
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 60px; }
.header-inner .logo { display: flex; align-items: center; gap: 8px; font-size: 18px; font-weight: 700; white-space: nowrap; }
.header-inner .logo-icon { width: 34px; height: 34px; border-radius: 10px; background: linear-gradient(135deg,#1c1608,#0a0803); display: flex; align-items: center; justify-content: center; box-shadow: inset 0 0 0 1.5px rgba(226,188,98,.85); padding: 2px; flex-shrink: 0; }
.header-inner .logo-icon img { width: 100%; height: 100%; object-fit: contain; border-radius: inherit; display: block; }
.header-inner .logo em { display: none; }
.header-actions { display: flex; gap: 10px; }
.btn-ghost-sm {
  padding: 7px 16px; border-radius: 20px; font-size: 13px; font-weight: 500;
  white-space: nowrap; flex-shrink: 0;
  border: 1px solid var(--border-soft); color: var(--muted); transition: .2s;
}
.btn-ghost-sm:hover { border-color: var(--gold); color: var(--gold); }

/* banner */
.uc-banner { margin-top: 60px; padding: 32px 0 24px; }
.user-info { display: flex; align-items: center; gap: 16px; }
.avatar {
  width: 52px; height: 52px; border-radius: 50%;
  background: var(--gold-grad); color: #fff; font-size: 22px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(184,145,42,.3);
}
.info-name { font-size: 17px; font-weight: 600; }
.info-phone { font-size: 13px; color: var(--muted); }
.btn-gold {
  padding: 10px 24px; border-radius: 25px; background: var(--gold-grad);
  color: #fff; font-size: 14px; font-weight: 600; border: none; cursor: pointer;
  transition: all .3s;
}
.btn-gold:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(184,145,42,.4); }
.btn-sm { padding: 7px 18px; font-size: 13px; border-radius: 20px; }

/* 概览卡片 */
.uc-overview { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 20px; }
.overview-card {
  background: var(--card); border: 1px solid var(--border-soft);
  border-radius: var(--radius); padding: 18px; display: flex; align-items: center; gap: 14px;
  transition: all .2s;
}
.overview-card:hover { border-color: var(--border); transform: translateY(-2px); }
.ov-icon {
  width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0;
  background: rgba(184,145,42,.06); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center; color: var(--c, var(--gold));
}
.ov-label { font-size: 12px; color: var(--muted); }
.ov-value { font-size: 18px; font-weight: 700; margin-top: 2px; }
.ov-value.gold { color: var(--gold-light); }

/* Tab 导航 */
.uc-tabs { display: flex; gap: 0; border-bottom: 1px solid var(--border-soft); margin: 20px 0 0; }
.tab-btn {
  flex: 1; padding: 14px 0; background: none; border: none; border-bottom: 2px solid transparent;
  color: var(--muted); font-size: 15px; font-weight: 500; cursor: pointer; transition: .2s;
}
.tab-btn:hover { color: var(--text); }
.tab-btn.active { color: var(--gold); border-bottom-color: var(--gold); }

/* 列表 */
.uc-list { padding: 20px 0 40px; display: flex; flex-direction: column; gap: 12px; }
.loan-card {
  background: var(--card); border: 1px solid var(--border-soft);
  border-radius: 12px; padding: 16px 18px; transition: all .2s;
}
.loan-card:hover { border-color: var(--border); transform: translateY(-1px); }
.loan-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.loan-product { font-size: 14px; font-weight: 600; }
.loan-badge {
  display: inline-block; padding: 2px 10px; border-radius: 4px;
  font-size: 12px; font-weight: 500;
}
.loan-badge.pending { background: rgba(183,121,31,.15); color: #b7791f; }
.loan-badge.contacting { background: rgba(47,111,208,.15); color: #2f6fd0; }
.loan-badge.approved { background: rgba(47,158,99,.15); color: #2f9e63; }
.loan-badge.rejected { background: rgba(201,79,79,.15); color: #c0392b; }
.loan-badge.repaid { background: rgba(47,158,99,.15); color: #2f9e63; }
.loan-badge.due { background: rgba(183,121,31,.15); color: #b7791f; }
.loan-badge.paid { background: rgba(47,158,99,.15); color: #2f9e63; }
.loan-badge.overdue { background: rgba(201,79,79,.15); color: #c0392b; }
.loan-info { display: flex; gap: 14px; font-size: 12px; color: var(--muted); }
.loan-info span::before { content: '•'; margin-right: 4px; color: var(--border); }
.loan-info .repay-amount { color: #2f9e63; font-weight: 600; }
.loan-note { margin-top: 8px; font-size: 12px; color: var(--muted); }

/* 账单 */
.bill-summary {
  background: var(--card); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 20px; margin-bottom: 16px; text-align: center;
}
.bill-total { display: flex; flex-direction: column; gap: 4px; }
.bill-total span { font-size: 13px; color: var(--muted); }
.bill-total b { font-size: 28px; color: var(--gold-light); }
.bill-card { background: var(--card); border: 1px solid var(--border-soft); border-radius: 12px; padding: 16px 18px; }
.bill-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px; }
.bill-product { font-size: 14px; font-weight: 600; }
.bill-info { display: flex; gap: 12px; font-size: 12px; color: var(--muted); align-items: center; }
.bill-info .bill-amount { color: var(--text); font-weight: 600; font-size: 14px; }
.bill-badge {
  display: inline-block; padding: 2px 10px; border-radius: 4px;
  font-size: 12px; font-weight: 500;
}
.bill-badge.due { background: rgba(184,145,42,.12); color: var(--gold-light); }
.bill-badge.paid { background: rgba(47,158,99,.12); color: #2f9e63; }
.bill-badge.overdue { background: rgba(192,57,43,.15); color: #d64545; }

/* 空状态 */
.empty-hint {
  text-align: center; padding: 48px 20px; color: var(--muted);
  display: flex; flex-direction: column; align-items: center; gap: 12px;
}
.empty-hint svg { opacity: .4; }
.empty-hint p { font-size: 14px; }

/* 弹窗 */
.modal-mask {
  position: fixed; inset: 0; background: rgba(0,0,0,.75);
  backdrop-filter: blur(10px);
  display: flex; align-items: center; justify-content: center;
  z-index: 1000; padding: 20px; animation: fadeIn .2s;
}
@keyframes fadeIn { from{opacity:0} to{opacity:1} }
.modal {
  background: var(--card); border: 1px solid var(--border);
  border-radius: 24px; padding: 36px; position: relative;
  max-width: 720px; width: 95%;
  box-shadow: 0 40px 100px rgba(0,0,0,.7), 0 0 60px rgba(184,145,42,.1);
  animation: modalIn .3s cubic-bezier(.22,.61,.36,1) both;
}
@keyframes modalIn {
  from { opacity: 0; transform: scale(.93) translateY(16px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}
.modal-close {
  position: absolute; top: 16px; right: 18px;
  background: none; border: none; color: var(--muted);
  font-size: 24px; cursor: pointer; line-height: 1; transition: .15s;
}
.modal-close:hover { color: var(--text); }
.apply-modal h3 { font-size: 18px; margin-bottom: 22px; }
.apply-modal .form-group { margin-bottom: 18px; }
/* 弹窗内不用全局浮动标签: 复位为静态块级标签, 避免压在滑块/输入框上 */
.apply-modal label,
.apply-modal .form-group label {
  position: static; top: auto; left: auto; transform: none;
  display: block; width: auto; font-size: 13px; color: var(--muted);
  margin: 0 0 8px; padding: 0; background: transparent;
  pointer-events: auto; text-align: left; letter-spacing: normal;
}
/* 手动金额输入框在 .form-group 内, 取消全局 input 的边框/聚焦光晕(由外层 .amount-manual 承担) */
.apply-modal .amount-manual input,
.apply-modal .amount-manual input:focus {
  border: none; background: transparent; box-shadow: none; padding: 11px 0;
}
/* 独立标签（期限等） */
.section-label {
  display: block;
  font-size: 13px;
  color: var(--muted);
  margin: 0 0 10px;
  text-align: center;
  letter-spacing: 1px;
}

/* 滑块 */
.amount-slider-inline input[type=range] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 3px;
  background: linear-gradient(90deg, var(--gold) var(--pct,30%), rgba(184,145,42,.22) var(--pct,30%));
  outline: none; padding: 0; border: none; box-shadow: none;
}
.amount-slider-inline input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-grad); cursor: pointer; border: none;
  box-shadow: 0 3px 12px rgba(184,145,42,.5);
}
.amount-display {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 13px; color: var(--muted); margin-top: 10px;
}
.amount-display b { font-size: 22px; color: var(--gold-light); }

/* 期限选择 */
.term-options {
  display: grid; grid-template-columns: repeat(5,1fr); gap: 10px;
}
.term-opt {
  position: relative;
  border: 1px solid var(--border-soft);
  border-radius: 14px; padding: 14px 8px; cursor: pointer;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
  background: rgba(184,145,42,.05);
  transition: transform .18s cubic-bezier(.34,1.56,.64,1), border-color .25s, background .25s, box-shadow .25s;
  overflow: hidden;
  -webkit-tap-highlight-color: transparent;
  user-select: none;
}
.term-opt::after {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at var(--rx,50%) var(--ry,50%), rgba(184,145,42,.25) 0%, transparent 70%);
  opacity: 0; transition: opacity .4s;
  pointer-events: none;
}
.term-opt:hover {
  border-color: var(--border);
  background: rgba(184,145,42,.04);
  transform: translateY(-2px);
}
.term-opt:active {
  transform: scale(0.93);
  transition: transform .1s cubic-bezier(.34,1.56,.64,1);
}
.term-opt[data-selected="true"] {
  border-color: var(--gold);
  background: rgba(184,145,42,.08);
  transform: translateY(-1px);
}
.term-opt[data-selected="true"]::before {
  content: '';
  position: absolute; bottom: 0; left: 0; right: 0; height: 2px;
  background: var(--gold-grad); border-radius: 0 0 14px 14px;
}
.term-opt[data-selected="true"]::after { display: none; }
.term-opt-main { display: flex; align-items: baseline; justify-content: center; gap: 3px; }
.term-opt-value { font-size: 16px; font-weight: 700; color: var(--gold-light); line-height: 1; }
.term-opt-sub { font-size: 11px; color: var(--muted); }
.term-opt-detail { font-size: 11px; color: var(--muted); text-align: center; line-height: 1.4; margin-top: 3px; transition: color .25s; }
.term-opt[data-selected="true"] .term-opt-detail { color: rgba(184,145,42,.85); }

/* 选中弹跳动画 */
@keyframes termPop {
  0% { transform: scale(0.9); opacity: .7; }
  50% { transform: scale(1.04); }
  100% { transform: scale(1); opacity: 1; }
}
.term-opt.pop { animation: termPop .3s cubic-bezier(.34,1.56,.64,1); }

/* 水波纹 */
@keyframes ripple {
  to { transform: scale(2.5); opacity: 0; }
}

.estimate-inline {
  display: flex; justify-content: space-between; align-items: center;
  background: rgba(184,145,42,.07); border: 1px dashed var(--border);
  border-radius: 10px; padding: 12px 14px; margin-bottom: 18px; font-size: 13px; color: var(--muted);
}
.estimate-inline b { font-size: 18px; color: var(--gold-light); }

.apply-modal textarea {
  width: 100%; background: rgba(184,145,42,.06);
  border: 1px solid var(--border-soft); border-radius: 10px;
  padding: 12px 14px; color: var(--text); font-size: 14px; outline: none;
  transition: .2s; resize: vertical; min-height: 70px; font-family: inherit;
}
.apply-modal textarea:focus { border-color: var(--gold); background: rgba(184,145,42,.05); }
.form-error { color: #c94f4f; font-size: 13px; margin-top: 12px; text-align: center; }
.apply-modal .btn-submit { margin-top: 4px; }

/* ===== 产品选择(第1步) ===== */
.apply-tip { font-size: 13px; color: var(--muted); margin: -12px 0 18px; text-align: center; }
.product-pick { display: flex; flex-direction: column; gap: 12px; }
.pick-card {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  padding: 20px 16px; border-radius: 14px; cursor: pointer; text-align: center;
  background: rgba(184,145,42,.05); border: 1px solid var(--border-soft);
  transition: transform .15s, border-color .2s, background .2s, box-shadow .2s;
}
.pick-card:hover, .pick-card:active {
  border-color: rgba(184,145,42,.65); transform: translateY(-2px);
  background: linear-gradient(160deg, rgba(184,145,42,.12), rgba(184,145,42,.05));
  box-shadow: 0 10px 26px rgba(184,145,42,.18);
}
.pick-ico {
  width: 46px; height: 46px; border-radius: 13px; display: flex; align-items: center; justify-content: center;
  background: var(--gold-grad); color: #fff; margin-bottom: 4px;
}
.pick-name { font-size: 17px; font-weight: 700; color: var(--gold-light); }
.pick-meta { font-size: 12px; color: var(--muted); }

/* 第2步标题与返回 */
.apply-form-title { display: flex; align-items: center; gap: 10px; justify-content: center; position: relative; }
.apply-back {
  position: absolute; left: 0; top: 50%; transform: translateY(-50%);
  width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--border-soft);
  background: rgba(184,145,42,.06); color: var(--gold-light); font-size: 20px; line-height: 1;
  display: flex; align-items: center; justify-content: center; cursor: pointer;
}
.apply-back:active { transform: translateY(-50%) scale(.92); }
.req-star { color: #c94f4f; }

/* 手动输入金额 */
.amount-manual {
  display: flex; align-items: center; gap: 8px; margin-top: 10px;
  background: rgba(184,145,42,.06); border: 1px solid var(--border-soft); border-radius: 10px;
  padding: 0 14px; transition: border-color .2s, background .2s;
}
.amount-manual:focus-within { border-color: rgba(184,145,42,.6); background: rgba(184,145,42,.05); }
.amount-manual .am-unit { color: var(--gold); font-weight: 700; font-size: 15px; }
.amount-manual input {
  flex: 1; min-width: 0; background: transparent; border: none; outline: none;
  color: var(--text); font-size: 15px; padding: 11px 0;
}
.amount-manual input::placeholder { color: #97907f; }
.amount-manual input::-webkit-outer-spin-button,
.amount-manual input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.amount-manual input[type=number] { -moz-appearance: textfield; }

/* 响应式 */
@media (max-width: 900px) {
  .term-options { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 600px) {
  .uc-overview { grid-template-columns: 1fr; }
  .user-info { flex-wrap: wrap; }
  .auth-card { padding: 36px 24px; border-radius: 22px; }
  .auth-logo { width: 48px; height: 48px; font-size: 24px; }
  .back-link { margin-left: 4%; }
  .term-options { grid-template-columns: repeat(3, 1fr); gap: 8px; }
  .term-opt { padding: 12px 6px; }
  .term-opt-value { font-size: 14px; }
  .term-opt-detail { font-size: 10px; }
}
@media (max-width: 480px) {
  .term-options { grid-template-columns: repeat(2, 1fr); }
  .modal { padding: 24px 18px; border-radius: 20px; max-width: 95%; }
  .apply-modal h3 { font-size: 16px; }
  .amount-display { font-size: 12px; }
  .amount-display b { font-size: 18px; }
}

/* 移动端底部导航 */
.mob-nav{
  position:fixed;bottom:0;left:0;right:0;z-index:90;
  background:rgba(255,253,249,.96);backdrop-filter:blur(12px);
  border-top:1px solid var(--border-soft);
  display:none;align-items:center;justify-content:space-around;
  height:60px;padding-bottom:env(safe-area-inset-bottom);
}
.mob-nav-item{
  display:flex;flex-direction:column;align-items:center;gap:4px;
  color:var(--muted);font-size:11px;transition:.2s;padding:6px 16px;border-radius:12px;
}
.mob-nav-item svg{width:22px;height:22px;stroke:currentColor;stroke-width:1.8;}
.mob-nav-item span{font-size:11px;}
.mob-nav-item:hover,.mob-nav-item.active{color:var(--gold);}

@media(max-width:640px){
  .mob-nav{display:flex;}
  body{padding-bottom:60px;}
}