.bank-journey .bank-journey-modes {
  display: grid;
  gap: 14px;
  margin-top: 16px;
}

.bank-journey .bank-mode-switch {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  border: 1px solid rgba(15, 157, 140, 0.28);
  border-radius: 20px;
  padding: 8px;
  background:
    linear-gradient(135deg, rgba(191, 233, 224, 0.72), rgba(15, 157, 140, 0.14)),
    #f6fcfa;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.78),
    0 14px 36px rgba(15, 157, 140, 0.1);
}

.bank-journey .bank-mode-choice {
  position: relative;
  display: grid;
  min-width: 0;
  min-height: 58px;
  align-content: center;
  gap: 2px;
  border: 0;
  border-radius: 15px;
  padding: 9px 12px;
  background: rgba(255, 255, 255, 0.62);
  color: var(--teal-dark);
  cursor: pointer;
  font: inherit;
  text-align: left;
  transition:
    background 0.18s ease,
    color 0.18s ease,
    box-shadow 0.18s ease,
    transform 0.18s ease;
}

.bank-journey .bank-mode-choice strong {
  color: inherit;
  font-size: 0.88rem;
  line-height: 1.15;
}

.bank-journey .bank-mode-choice small {
  color: var(--slate);
  font-size: 0.7rem;
  line-height: 1.25;
}

.bank-journey .bank-mode-choice:hover {
  background: #fff;
  color: var(--navy);
  box-shadow: 0 8px 20px rgba(15, 157, 140, 0.1);
  transform: translateY(-1px);
}

.bank-journey .bank-mode-choice.is-active,
.bank-journey .bank-mode-choice[aria-selected="true"] {
  background: linear-gradient(135deg, var(--teal-dark), var(--teal));
  color: #fff;
  box-shadow: 0 12px 26px rgba(15, 157, 140, 0.24);
}

.bank-journey .bank-mode-choice.is-active small,
.bank-journey .bank-mode-choice[aria-selected="true"] small {
  color: rgba(255, 255, 255, 0.86);
}

.bank-journey .bank-mode-choice.is-active::after {
  position: absolute;
  top: 10px;
  right: 10px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 3px rgba(217, 149, 33, 0.18);
  content: "";
}

.bank-journey .bank-mode-choice:focus-visible {
  outline: 3px solid rgba(15, 157, 140, 0.48);
  outline-offset: 3px;
}

.bank-journey .bank-guided-panel {
  display: grid;
  gap: 16px;
  border: 1px solid rgba(15, 157, 140, 0.26);
  border-radius: 18px;
  padding: 15px;
  background:
    radial-gradient(circle at 96% 4%, rgba(217, 149, 33, 0.09), transparent 28%),
    linear-gradient(150deg, #fff 0%, #fbfefd 58%, rgba(15, 157, 140, 0.06) 100%);
  box-shadow:
    0 14px 34px rgba(20, 34, 79, 0.06),
    inset 0 1px 0 rgba(255, 255, 255, 0.94);
}

.bank-journey .bank-guided-intro {
  display: grid;
  gap: 5px;
}

.bank-journey .bank-guided-intro strong {
  color: var(--navy);
  font-size: 0.96rem;
}

.bank-journey .bank-guided-intro p {
  margin: 0;
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.45;
}

.bank-journey .bank-guide-progress {
  position: relative;
  overflow: hidden;
  border-radius: 999px;
  padding: 7px 10px 9px;
  background: var(--mist);
  color: var(--teal-dark);
  font-size: 0.72rem;
  font-weight: 850;
}

.bank-journey .bank-guide-progress::after {
  position: absolute;
  bottom: 0;
  left: 0;
  width: var(--bank-guide-progress, 8%);
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--teal-dark), var(--teal));
  content: "";
  transition: width 0.2s ease;
}

.bank-journey .bank-guide-form {
  display: grid;
  gap: 16px;
}

.bank-journey .bank-guide-step {
  display: grid;
  gap: 10px;
  min-width: 0;
  margin: 0;
  border: 0;
  border-top: 1px solid var(--line);
  padding: 14px 0 0;
  scroll-margin-top: 94px;
}

.bank-journey .bank-guide-step legend {
  width: 100%;
  margin: 0 0 2px;
  color: var(--navy);
  font-size: 0.92rem;
  font-weight: 850;
  line-height: 1.3;
}

.bank-journey .bank-guide-options {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
}

.bank-journey .bank-guide-choice {
  position: relative;
  display: grid;
  grid-template-columns: 20px minmax(0, 1fr);
  align-items: start;
  gap: 9px;
  min-width: 0;
  min-height: 54px;
  border: 1px solid rgba(231, 225, 210, 0.96);
  border-radius: 13px;
  padding: 10px;
  background: #fff;
  color: var(--navy);
  cursor: pointer;
  transition:
    border-color 0.16s ease,
    background 0.16s ease,
    box-shadow 0.16s ease,
    transform 0.16s ease;
}

.bank-journey .bank-guide-choice:hover {
  border-color: #9ccfc6;
  background: #fbfefd;
  transform: translateY(-1px);
}

.bank-journey .bank-guide-choice:has(input:checked) {
  border-color: rgba(15, 157, 140, 0.72);
  background: rgba(15, 157, 140, 0.075);
  box-shadow:
    inset 0 0 0 1px rgba(15, 157, 140, 0.14),
    0 8px 18px rgba(20, 34, 79, 0.05);
}

.bank-journey .bank-guide-choice input {
  appearance: none;
  -webkit-appearance: none;
  display: grid;
  width: 18px;
  height: 18px;
  margin: 1px 0 0;
  place-items: center;
  border: 1.7px solid #b9c4d5;
  border-radius: 50%;
  background: #fff;
  cursor: pointer;
}

.bank-journey .bank-guide-choice input::before {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #fff;
  content: "";
  transform: scale(0);
  transition: transform 0.14s ease;
}

.bank-journey .bank-guide-choice input:checked {
  border-color: var(--teal-dark);
  background: var(--teal-dark);
}

.bank-journey .bank-guide-choice input:checked::before {
  transform: scale(1);
}

.bank-journey .bank-guide-choice input:focus-visible {
  outline: 3px solid rgba(15, 157, 140, 0.48);
  outline-offset: 3px;
}

.bank-journey .bank-guide-choice span {
  display: grid;
  gap: 3px;
  min-width: 0;
}

.bank-journey .bank-guide-choice strong {
  color: var(--navy);
  font-size: 0.83rem;
  line-height: 1.2;
}

.bank-journey .bank-guide-choice small {
  color: var(--slate);
  font-size: 0.7rem;
  line-height: 1.3;
}

.bank-journey .bank-guide-summary {
  display: grid;
  gap: 10px;
  border: 1px solid rgba(15, 157, 140, 0.3);
  border-radius: 15px;
  padding: 13px;
  background:
    linear-gradient(180deg, rgba(15, 157, 140, 0.09), rgba(217, 149, 33, 0.055)),
    #fff;
}

.bank-journey .bank-guide-summary strong {
  color: var(--navy);
  font-size: 0.9rem;
}

.bank-journey .bank-guide-summary p {
  margin: 0;
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.45;
}

.bank-journey .bank-guide-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.bank-journey .bank-guide-actions .btn {
  min-height: 46px;
}

.bank-journey .bank-guide-note {
  margin: 0;
  border-top: 1px solid var(--line);
  padding-top: 11px;
  color: var(--slate);
  font-size: 0.75rem;
  line-height: 1.45;
}

.bank-journey.is-guided-mode .journey-advisor-card {
  display: none;
}

.bank-journey:not(.is-guided-mode) .bank-guided-panel {
  display: none;
}

@media (max-width: 700px) {
  .bank-journey .bank-mode-switch,
  .bank-journey .bank-guide-options {
    grid-template-columns: 1fr;
  }

  .bank-journey .bank-mode-choice {
    min-height: 54px;
  }

  .bank-journey .bank-guided-panel {
    padding: 12px;
  }

  .bank-journey .bank-guide-choice {
    min-height: 52px;
  }

  .bank-journey .bank-guide-actions {
    display: grid;
  }

  .bank-journey .bank-guide-actions .btn {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  .bank-journey .bank-mode-choice,
  .bank-journey .bank-guide-choice,
  .bank-journey .bank-guide-progress::after,
  .bank-journey .bank-guide-choice input::before {
    transition: none;
  }
}

@media (forced-colors: active) {
  .bank-journey .bank-mode-switch,
  .bank-journey .bank-guided-panel,
  .bank-journey .bank-guide-choice,
  .bank-journey .bank-guide-summary {
    border: 1px solid CanvasText;
    background: Canvas;
    color: CanvasText;
  }

  .bank-journey .bank-mode-choice.is-active,
  .bank-journey .bank-mode-choice[aria-selected="true"] {
    border: 2px solid Highlight;
    background: Highlight;
    color: HighlightText;
  }

  .bank-journey .bank-guide-choice input:checked {
    border-color: Highlight;
    background: Highlight;
  }
}