/* ==========================================================================
   MERE APNE FINCARE CO-OPERATIVE SOCIETY - ENTERPRISE DESIGN SYSTEM
   High-Trust Co-operative Banking & Fintech Styling
   ========================================================================== */

:root {
  /* Color Palette - Light Theme */
  --navy-deep: #091738;
  --navy-900: #0d1e48;
  
  --blue-primary: #1e3ebd;
  --blue-light: #eef3ff;
  --blue-subtle: #dbe7ff;
  
  --emerald-600: #059669;
  --emerald-500: #10b981;
  --emerald-light: #ecfdf5;
  --emerald-border: #a7f3d0;
  
  --gold-600: #d97706;
  --gold-500: #f59e0b;
  --gold-light: #fffbeb;
  --gold-border: #fde68a;
  
  /* Semantic Tokens */
  --bg-main: #f8fafc;
  --bg-surface: #ffffff;
  --bg-subtle: #f1f5f9;
  
  --text-head: #0a193d;
  --text-body: #1e293b;
  --text-muted: #53647f;
  
  --border-light: #e2e8f0;
  --border-strong: #cbd5e1;
  
  --action-primary: #059669;
  --action-primary-hover: #047857;
  
  /* Gradients */
  --grad-hero: linear-gradient(135deg, #0b1a3d 0%, #112863 50%, #0d4a46 100%);
  
  /* Typography */
  --font-display: "Plus Jakarta Sans", "Poppins", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-body: "Mukta", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  
  /* Elevation & Shadows */
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.06), 0 1px 2px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 6px 16px -2px rgba(15, 23, 42, 0.08), 0 2px 6px -1px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 12px 28px -4px rgba(15, 23, 42, 0.1), 0 4px 10px -2px rgba(15, 23, 42, 0.05);
  --shadow-xl: 0 20px 40px -8px rgba(15, 23, 42, 0.14), 0 8px 16px -4px rgba(15, 23, 42, 0.06);
  --shadow-mega: 0 30px 60px -12px rgba(9, 23, 56, 0.22);
  
  /* Dimensions & Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 22px;
  --radius-full: 9999px;
  
  --transition-fast: 0.15s ease;
  --transition-base: 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-smooth: 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Dark Theme */
[data-theme="dark"] {
  --bg-main: #070d1e;
  --bg-surface: #0e172e;
  --bg-subtle: #17264c;
  
  --text-head: #f1f5f9;
  --text-body: #cbd5e1;
  --text-muted: #8fa0c0;
  
  --border-light: #1c2b52;
  --border-strong: #293d70;
  
  --blue-light: #162450;
  --blue-subtle: #1e3370;
  --emerald-light: #0d2822;
  --emerald-border: #134e4a;
  --gold-light: #2b220d;
  --gold-border: #78350f;
  
  --shadow-md: 0 6px 18px rgba(0, 0, 0, 0.35);
  --shadow-lg: 0 14px 32px rgba(0, 0, 0, 0.45);
  --shadow-mega: 0 30px 60px rgba(0, 0, 0, 0.6);
  color-scheme: dark;
}

/* Reset & Base */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background-color: var(--bg-main);
  color: var(--text-body);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.68;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: clip;
  transition: background-color var(--transition-base), color var(--transition-base);
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue-primary); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--emerald-600); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--emerald-500);
  outline-offset: 2px;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--text-head);
  line-height: 1.22;
  letter-spacing: -0.02em;
  margin: 0;
  font-weight: 700;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.45rem); }
h3 { font-size: clamp(1.22rem, 2.2vw, 1.45rem); font-weight: 600; }
h4 { font-size: 1.1rem; font-weight: 600; }
p { margin: 0; }

.wrap {
  width: 100%;
  max-width: 1240px;
  margin-inline: auto;
  padding-inline: 24px;
}
.wrap-narrow {
  width: 100%;
  max-width: 980px;
  margin-inline: auto;
  padding-inline: 24px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-family: var(--font-display);
  font-size: 0.78rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--emerald-600);
  background: var(--emerald-light);
  border: 1px solid var(--emerald-border);
  padding: 4px 12px;
  border-radius: var(--radius-full);
  width: fit-content;
}
.eyebrow.blue {
  color: var(--blue-primary);
  background: var(--blue-light);
  border-color: var(--blue-subtle);
}
.eyebrow.gold {
  color: var(--gold-600);
  background: var(--gold-light);
  border-color: var(--gold-border);
}

.lede {
  font-size: 1.15rem;
  line-height: 1.65;
  color: var(--text-muted);
  max-width: 64ch;
}

/* ==========================================================================
   TOPBAR
   ========================================================================== */
.topbar {
  background: linear-gradient(90deg, #071536 0%, #0d2153 50%, #0a353d 100%);
  color: #e2e8f0;
  font-size: 0.84rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
  z-index: 40;
}
.topbar .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px 24px;
  flex-wrap: wrap;
  padding-block: 7px;
}
.tb-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 18px;
}
.tb-list li {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.tb-list a {
  color: #e2e8f0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  font-weight: 500;
  transition: color var(--transition-fast);
}
.tb-list a:hover {
  color: #34d399;
}
.tb-list svg {
  color: #34d399;
  flex: none;
}
.tb-live-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.35);
  animation: pulseLive 2s infinite ease-in-out;
}
@keyframes pulseLive {
  0%, 100% { box-shadow: 0 0 0 2px rgba(16, 185, 129, 0.4); transform: scale(1); }
  50% { box-shadow: 0 0 0 6px rgba(16, 185, 129, 0.1); transform: scale(1.05); }
}

.tb-reg-chip {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.18);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  font-size: 0.77rem;
  font-weight: 600;
  color: #d1fae5;
  display: inline-flex;
  align-items: center;
  gap: 5px;
}
.theme-toggle-btn {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: #ffffff;
  border-radius: var(--radius-full);
  padding: 4px 10px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-family: var(--font-display);
  font-weight: 600;
  transition: background var(--transition-fast);
}
.theme-toggle-btn:hover {
  background: rgba(255, 255, 255, 0.22);
}

@media (max-width: 960px) {
  .tb-hours, .tb-reg { display: none !important; }
}
@media (max-width: 600px) {
  .tb-loc { display: none !important; }
  .topbar .wrap { justify-content: center; }
}

/* ==========================================================================
   HEADER & OUTSTANDING MEGA NAVIGATION
   ========================================================================== */
header.site {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border-light);
  transition: background-color var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
}
[data-theme="dark"] header.site {
  background: rgba(14, 23, 46, 0.96);
}
header.site.scrolled {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.08);
  border-bottom-color: var(--border-medium);
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding-block: 8px;
  padding-inline: 20px;
  max-width: 1440px;
  width: 100%;
  box-sizing: border-box;
}

/* Mobile elements hidden on desktop */
.mobile-drawer-header,
.mobile-trust-strip,
.mobile-actions {
  display: none !important;
}

/* Brand Lockup */
.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex: none;
}
.brand img {
  height: 54px;
  width: auto;
  object-fit: contain;
  transition: transform var(--transition-fast);
}
.brand:hover img {
  transform: scale(1.02);
}
.brand-name {
  font-family: var(--font-display);
  font-size: 1.18rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--text-head);
  line-height: 1.1;
  display: flex;
  align-items: center;
  gap: 5px;
}
.brand-name span {
  color: var(--emerald-600);
}
.brand-sub {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 1px;
}

/* Navigation Container */
nav.main {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  margin-inline: auto;
}
.nav-item {
  position: relative;
  display: flex;
  align-items: center;
}
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  text-decoration: none;
  color: var(--text-head);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 8px 10px;
  border-radius: var(--radius-md);
  transition: color var(--transition-fast), background-color var(--transition-fast);
  position: relative;
  white-space: nowrap;
}
.nav-link::after {
  content: "";
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 4px;
  height: 3px;
  border-radius: var(--radius-full);
  background: var(--emerald-500);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform var(--transition-smooth);
}
.nav-link:hover, .nav-item:focus-within > .nav-link {
  color: var(--emerald-600);
  background: var(--bg-subtle);
}
.nav-link[aria-current="page"] {
  color: var(--emerald-600);
}
.nav-link[aria-current="page"]::after {
  transform: scaleX(1);
}
.nav-arrow {
  width: 14px;
  height: 14px;
  transition: transform var(--transition-base);
  opacity: 0.7;
}
.has-sub:hover .nav-arrow,
.has-sub:focus-within .nav-arrow {
  transform: rotate(180deg);
  opacity: 1;
  color: var(--emerald-600);
}

/* Mega Menu Dropdowns */
.sub-toggle { display: none; }
.mega-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: 20px;
  box-shadow: var(--shadow-mega);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity var(--transition-base), transform var(--transition-base), visibility var(--transition-base);
  z-index: 50;
  width: max-content;
}
.has-sub:hover .mega-dropdown,
.has-sub:focus-within .mega-dropdown {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

/* Standard Dropdown */
.mega-dropdown.standard {
  min-width: 320px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 12px;
}

/* Multi-column Mega Menus */
.mega-dropdown.mega-deposits {
  width: 780px;
  display: grid;
  grid-template-columns: 1fr 1fr 260px;
  gap: 16px;
}
.mega-dropdown.mega-investments {
  width: 860px;
  display: grid;
  grid-template-columns: 1fr 1fr 260px;
  gap: 16px;
}
.mega-dropdown.mega-loans {
  width: 860px;
  display: grid;
  grid-template-columns: 1fr 1fr 260px;
  gap: 16px;
}
.mega-col {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.mega-col-title {
  font-family: var(--font-display);
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  padding: 6px 12px;
}

/* Mega Link Card */
.mega-link {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px;
  border-radius: var(--radius-lg);
  text-decoration: none;
  color: var(--text-head);
  transition: background-color var(--transition-fast), transform var(--transition-fast);
  border: 1px solid transparent;
}
.mega-link:hover {
  background: var(--bg-subtle);
  border-color: var(--border-light);
  transform: translateY(-1px);
}
.mega-ico {
  flex: none;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background: var(--blue-light);
  color: var(--blue-primary);
  display: grid;
  place-items: center;
  transition: background-color var(--transition-fast), color var(--transition-fast);
}
.mega-ico.green {
  background: var(--emerald-light);
  color: var(--emerald-600);
}
.mega-ico.gold {
  background: var(--gold-light);
  color: var(--gold-600);
}
.mega-link:hover .mega-ico {
  background: var(--action-primary);
  color: #ffffff;
}
.mega-info {
  display: flex;
  flex-direction: column;
  gap: 2px;
  min-width: 0;
}
.mega-title-row {
  display: flex;
  align-items: center;
  gap: 6px;
  flex-wrap: wrap;
}
.mega-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-head);
  line-height: 1.25;
}
.mega-badge {
  font-size: 0.7rem;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: var(--radius-full);
  background: var(--emerald-light);
  color: var(--emerald-600);
  border: 1px solid var(--emerald-border);
  letter-spacing: 0.02em;
}
.mega-badge.gold {
  background: var(--gold-light);
  color: var(--gold-600);
  border-color: var(--gold-border);
}
.mega-badge.blue {
  background: var(--blue-light);
  color: var(--blue-primary);
  border-color: var(--blue-subtle);
}
.mega-desc {
  font-size: 0.83rem;
  color: var(--text-muted);
  line-height: 1.35;
}

/* Dropdown Featured Sidebar Card */
.mega-spotlight {
  background: linear-gradient(145deg, #0f2347 0%, #15326b 60%, #0d463d 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 16px;
  position: relative;
  overflow: hidden;
}
.mega-spotlight::before {
  content: "";
  position: absolute;
  top: -40px;
  right: -40px;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.4) 0%, transparent 70%);
}
.mega-spotlight-top {
  display: flex;
  flex-direction: column;
  gap: 8px;
  position: relative;
  z-index: 1;
}
.mega-spotlight-tag {
  font-family: var(--font-display);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #34d399;
}
.mega-spotlight h5 {
  font-size: 1.05rem;
  color: #ffffff;
  font-weight: 700;
  line-height: 1.3;
}
.mega-spotlight p {
  font-size: 0.84rem;
  color: #cbd5e1;
  line-height: 1.45;
}
.mega-spotlight-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-family: var(--font-display);
  font-size: 0.84rem;
  font-weight: 700;
  color: #0d1e48;
  background: #34d399;
  padding: 9px 14px;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: transform var(--transition-fast), filter var(--transition-fast);
  position: relative;
  z-index: 1;
}
.mega-spotlight-btn:hover {
  filter: brightness(1.08);
  transform: translateY(-1px);
  color: #0d1e48;
}

/* Featured Dropdown Spotlight Cards with Full Background Images (Deposits, Investments & Loans) */
.mega-deposits .mega-spotlight,
.mega-spotlight.spotlight-tax {
  background: 
    linear-gradient(165deg, rgba(7, 18, 42, 0.80) 0%, rgba(9, 26, 56, 0.72) 48%, rgba(5, 36, 32, 0.82) 100%),
    url('image/zero-tds-bg.jpg') center 20% / cover no-repeat !important;
}

.mega-investments .mega-spotlight,
.mega-spotlight.spotlight-investments {
  background: 
    linear-gradient(165deg, rgba(7, 18, 42, 0.80) 0%, rgba(9, 26, 56, 0.72) 48%, rgba(5, 36, 32, 0.82) 100%),
    url('image/investment-wealth-bg.jpg') center 25% / cover no-repeat !important;
}

.mega-loans .mega-spotlight,
.mega-spotlight.spotlight-loans {
  background: 
    linear-gradient(165deg, rgba(7, 18, 42, 0.80) 0%, rgba(9, 26, 56, 0.72) 48%, rgba(5, 36, 32, 0.82) 100%),
    url('image/loans-credit-bg.jpg') center 20% / cover no-repeat !important;
}

.mega-deposits .mega-spotlight,
.mega-spotlight.spotlight-tax,
.mega-investments .mega-spotlight,
.mega-spotlight.spotlight-investments,
.mega-loans .mega-spotlight,
.mega-spotlight.spotlight-loans {
  color: #ffffff !important;
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 16px;
  position: relative;
  overflow: hidden;
  border: 1px solid rgba(52, 211, 153, 0.35);
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.45);
}

/* Eliminate circular pseudo-elements so images cover entire card rectangular background */
.mega-deposits .mega-spotlight::before,
.mega-spotlight.spotlight-tax::before,
.mega-deposits .mega-spotlight::after,
.mega-spotlight.spotlight-tax::after,
.mega-investments .mega-spotlight::before,
.mega-spotlight.spotlight-investments::before,
.mega-investments .mega-spotlight::after,
.mega-spotlight.spotlight-investments::after,
.mega-loans .mega-spotlight::before,
.mega-spotlight.spotlight-loans::before,
.mega-loans .mega-spotlight::after,
.mega-spotlight.spotlight-loans::after {
  display: none !important;
  content: none !important;
}

.mega-deposits .mega-spotlight .mega-spotlight-top,
.mega-spotlight.spotlight-tax .mega-spotlight-top,
.mega-investments .mega-spotlight .mega-spotlight-top,
.mega-spotlight.spotlight-investments .mega-spotlight-top,
.mega-loans .mega-spotlight .mega-spotlight-top,
.mega-spotlight.spotlight-loans .mega-spotlight-top {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.mega-deposits .mega-spotlight .mega-spotlight-tag,
.mega-spotlight.spotlight-tax .mega-spotlight-tag,
.mega-investments .mega-spotlight .mega-spotlight-tag,
.mega-spotlight.spotlight-investments .mega-spotlight-tag,
.mega-loans .mega-spotlight .mega-spotlight-tag,
.mega-spotlight.spotlight-loans .mega-spotlight-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(16, 185, 129, 0.25);
  border: 1px solid rgba(52, 211, 153, 0.45);
  padding: 3px 10px;
  border-radius: var(--radius-full);
  width: fit-content;
  color: #34d399;
  font-weight: 700;
  letter-spacing: 0.08em;
  font-size: 0.68rem;
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
}

.mega-deposits .mega-spotlight h5,
.mega-spotlight.spotlight-tax h5,
.mega-investments .mega-spotlight h5,
.mega-spotlight.spotlight-investments h5,
.mega-loans .mega-spotlight h5,
.mega-spotlight.spotlight-loans h5 {
  font-size: 1.08rem;
  font-weight: 800;
  color: #ffffff !important;
  line-height: 1.3;
  margin: 0;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.7);
}

.mega-deposits .mega-spotlight p,
.mega-spotlight.spotlight-tax p,
.mega-investments .mega-spotlight p,
.mega-spotlight.spotlight-investments p,
.mega-loans .mega-spotlight p,
.mega-spotlight.spotlight-loans p {
  color: #e2e8f0 !important;
  font-size: 0.84rem;
  font-weight: 500;
  line-height: 1.45;
  margin: 0;
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.6);
}

.mega-deposits .mega-spotlight .mega-spotlight-btn,
.mega-spotlight.spotlight-tax .mega-spotlight-btn,
.mega-investments .mega-spotlight .mega-spotlight-btn,
.mega-spotlight.spotlight-investments .mega-spotlight-btn,
.mega-loans .mega-spotlight .mega-spotlight-btn,
.mega-spotlight.spotlight-loans .mega-spotlight-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-family: var(--font-display);
  font-size: 0.84rem;
  font-weight: 700;
  color: #0d1e48 !important;
  background: #34d399 !important;
  padding: 9px 14px;
  border-radius: var(--radius-md);
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.35);
  transition: transform var(--transition-fast), filter var(--transition-fast);
  position: relative;
  z-index: 2;
}

.mega-deposits .mega-spotlight .mega-spotlight-btn:hover,
.mega-spotlight.spotlight-tax .mega-spotlight-btn:hover,
.mega-investments .mega-spotlight .mega-spotlight-btn:hover,
.mega-spotlight.spotlight-investments .mega-spotlight-btn:hover,
.mega-loans .mega-spotlight .mega-spotlight-btn:hover,
.mega-spotlight.spotlight-loans .mega-spotlight-btn:hover {
  filter: brightness(1.08);
  transform: translateY(-1px);
}

/* Header Action Buttons */
.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex: none;
}
.header-actions .btn {
  white-space: nowrap;
}

/* Laptop & Medium Display Desktop Header Optimization (1181px - 1380px) */
@media (max-width: 1380px) and (min-width: 1181px) {
  header.site .wrap {
    gap: 10px;
    padding-inline: 16px;
  }
  .brand img {
    height: 46px;
  }
  nav.main {
    gap: 4px;
  }
  .nav-link {
    font-size: 0.88rem;
    padding: 6px 9px;
    gap: 4px;
  }
  .header-actions .btn {
    padding: 9px 16px;
    font-size: 0.88rem;
  }
}

/* Menu Toggle Button (Mobile) */
.menu-btn {
  display: none;
  flex: none;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  background: var(--bg-surface);
  cursor: pointer;
  padding: 0;
  position: relative;
  align-items: center;
  justify-content: center;
  gap: 5px;
  flex-direction: column;
}
.menu-btn span {
  display: block;
  width: 22px;
  height: 2.2px;
  border-radius: 2px;
  background: var(--text-head);
  transition: transform var(--transition-base), opacity var(--transition-base);
}
.menu-btn[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7.2px) rotate(45deg);
}
.menu-btn[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}
.menu-btn[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7.2px) rotate(-45deg);
}

/* Mobile Nav Drawer & Responsive Header */
@media (max-width: 1180px) {
  header.site {
    position: sticky !important;
    top: 0 !important;
    z-index: 1000 !important;
    backdrop-filter: blur(12px) !important;
    -webkit-backdrop-filter: blur(12px) !important;
    background: rgba(255, 255, 255, 0.96) !important;
  }
  [data-theme="dark"] header.site {
    background: rgba(13, 23, 43, 0.96) !important;
  }
  header.site .wrap {
    padding-block: 10px;
  }
  .header-actions {
    margin-left: auto;
  }
  .header-actions .btn-glow {
    display: none !important;
  }
  .menu-btn {
    display: flex !important;
  }
  
  /* Prevent background page scrolling when mobile menu drawer is open */
  html.mobile-nav-active,
  html.mobile-nav-active body {
    overflow: hidden !important;
  }

  /* When mobile drawer is open, hoist sticky header above backdrop and reset its bounds */
  html.mobile-nav-active header.site .brand,
  header.site.nav-open .brand {
    opacity: 0 !important;
    visibility: hidden !important;
    pointer-events: none !important;
    transform: translateX(-14px);
    transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
  }
  html.mobile-nav-active header.site,
  header.site.nav-open {
    position: fixed !important;
    inset: 0 !important;
    width: 100vw !important;
    height: 100vh !important;
    height: 100dvh !important;
    z-index: 100000 !important;
    background: transparent !important;
    border-bottom-color: transparent !important;
    border: none !important;
    box-shadow: none !important;
    backdrop-filter: none !important;
    -webkit-backdrop-filter: none !important;
    pointer-events: none !important;
    margin: 0 !important;
    padding: 0 !important;
  }
  html.mobile-nav-active header.site .wrap,
  header.site.nav-open .wrap {
    pointer-events: none !important;
    max-width: none !important;
    width: 100% !important;
    height: 100% !important;
    padding: 0 !important;
    margin: 0 !important;
  }
  html.mobile-nav-active header.site .menu-btn,
  header.site.nav-open .menu-btn {
    opacity: 0 !important;
    visibility: hidden !important;
    pointer-events: none !important;
  }
  
  /* Off-Canvas Navigation Drawer */
  nav.main {
    position: fixed !important;
    top: 0;
    right: 0;
    bottom: 0;
    width: min(88vw, 395px);
    height: 100vh;
    height: 100dvh;
    background: var(--bg-surface) !important;
    box-shadow: -15px 0 45px rgba(0, 0, 0, 0.35);
    z-index: 100005 !important;
    padding: 0;
    overflow-y: auto;
    overscroll-behavior: contain;
    -webkit-overflow-scrolling: touch;
    scroll-padding-top: 76px;
    touch-action: pan-y;
    display: flex !important;
    flex-direction: column !important;
    align-items: stretch !important;
    justify-content: flex-start !important;
    gap: 0;
    transform: translateX(105%);
    visibility: hidden;
    pointer-events: none;
    transition: transform 0.32s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.32s;
  }
  nav.main.open {
    transform: translateX(0) !important;
    visibility: visible !important;
    pointer-events: auto !important;
  }

  /* Custom Slim Scrollbar for Drawer */
  nav.main::-webkit-scrollbar {
    width: 5px;
  }
  nav.main::-webkit-scrollbar-thumb {
    background: var(--border-light);
    border-radius: 99px;
  }

  /* Sticky Drawer Header */
  .mobile-drawer-header {
    position: sticky;
    top: 0;
    z-index: 30;
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    padding: 14px 16px;
    background: var(--bg-surface);
    border-bottom: 1px solid var(--border-light);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
    gap: 8px;
  }
  .mobile-drawer-brand {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
    color: var(--text-head);
    min-width: 0;
    flex: 1;
  }
  .drawer-logo-badge {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    background: #ffffff;
    border: 1px solid rgba(0, 0, 0, 0.08);
    box-shadow: 0 2px 6px rgba(0, 0, 0, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 4px;
    flex: none;
  }
  .drawer-logo-badge img {
    max-width: 100%;
    max-height: 100%;
    object-fit: contain;
    display: block;
  }
  .drawer-header-actions {
    display: flex;
    align-items: center;
    gap: 8px;
    flex: none;
  }
  .drawer-header-actions .theme-toggle-btn {
    width: 38px;
    height: 38px;
    padding: 0;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--bg-subtle);
    border: 1px solid var(--border-light);
    color: var(--text-head);
    cursor: pointer;
    transition: all var(--transition-fast);
    flex: none;
  }
  .drawer-header-actions .theme-toggle-btn .theme-text {
    display: none !important;
  }
  .drawer-header-actions .theme-toggle-btn svg {
    width: 17px;
    height: 17px;
  }
  .drawer-header-actions .theme-toggle-btn:hover {
    background: var(--bg-surface-elevated);
    border-color: var(--emerald-500);
    color: var(--emerald-600);
  }
  [data-theme="dark"] .drawer-header-actions .theme-toggle-btn {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.15);
    color: #e2e8f0;
  }
  [data-theme="dark"] .drawer-header-actions .theme-toggle-btn:hover {
    background: rgba(16, 185, 129, 0.15);
    border-color: rgba(16, 185, 129, 0.35);
    color: #34d399;
  }
  .mobile-close-btn {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    border: 1px solid var(--border-light);
    background: var(--bg-subtle);
    color: var(--text-head);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.2s ease;
    flex: none;
  }
  .mobile-close-btn:hover,
  .mobile-close-btn:active {
    background: #fee2e2;
    color: #ef4444;
    border-color: #fca5a5;
    transform: rotate(90deg);
  }
  [data-theme="dark"] .mobile-close-btn {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.15);
    color: #cbd5e1;
  }
  [data-theme="dark"] .mobile-close-btn:hover {
    background: rgba(239, 68, 68, 0.2);
    color: #f87171;
    border-color: rgba(239, 68, 68, 0.4);
  }

  /* Micro Trust & Live Branch Strip */
  .mobile-trust-strip {
    display: flex !important;
    align-items: center;
    justify-content: space-between;
    padding: 9px 18px;
    background: var(--bg-subtle);
    border-bottom: 1px solid var(--border-light);
    font-size: 0.78rem;
    color: var(--text-muted);
  }
  .mobile-trust-item {
    display: flex;
    align-items: center;
    gap: 7px;
  }
  .pulse-indicator {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--emerald-500);
    box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
    animation: pulseRing 1.8s infinite;
    flex: none;
  }
  @keyframes pulseRing {
    0% { box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
    70% { box-shadow: 0 0 0 8px rgba(16, 185, 129, 0); }
    100% { box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
  }
  .mobile-trust-call {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: var(--emerald-600);
    font-weight: 700;
    text-decoration: none;
  }

  /* Navigation Items & Accordions */
  .nav-item {
    position: relative;
    display: flex !important;
    flex-direction: row !important;
    flex-wrap: wrap !important;
    align-items: center !important;
    justify-content: space-between !important;
    border-bottom: 1px solid var(--border-light);
    padding: 4px 18px !important;
    transition: background 0.18s;
  }
  .nav-link {
    flex: 1;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 12px 0;
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--text-head);
    border-radius: var(--radius-md);
    text-decoration: none;
  }
  .nav-link::after {
    display: none !important;
  }
  .nav-link .nav-arrow {
    display: none !important;
  }
  .nav-link[aria-current="page"] {
    color: var(--emerald-600);
    font-weight: 800;
  }

  /* Accordion Toggle Chevron Button */
  .sub-toggle {
    display: flex !important;
    align-items: center;
    justify-content: center;
    width: 36px;
    height: 36px;
    border-radius: var(--radius-md);
    background: var(--bg-subtle);
    border: 1px solid var(--border-light);
    color: var(--text-head);
    cursor: pointer;
    transition: all 0.2s ease;
    margin-left: 8px;
    flex: none;
  }
  .sub-toggle svg {
    transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1);
  }
  .nav-item.has-sub.open .sub-toggle,
  .sub-toggle[aria-expanded="true"] {
    background: var(--emerald-50);
    border-color: var(--emerald-500);
    color: var(--emerald-600);
  }
  [data-theme="dark"] .nav-item.has-sub.open .sub-toggle,
  [data-theme="dark"] .sub-toggle[aria-expanded="true"] {
    background: rgba(5, 150, 105, 0.18);
  }
  .nav-item.has-sub.open .sub-toggle svg,
  .sub-toggle[aria-expanded="true"] svg {
    transform: rotate(180deg);
  }

  /* Mega Dropdown Accordion Panel */
  .mega-dropdown {
    position: static !important;
    transform: none !important;
    opacity: 1 !important;
    visibility: visible !important;
    pointer-events: auto !important;
    display: none !important;
    width: 100% !important;
    max-width: 100% !important;
    flex-basis: 100% !important;
    min-width: 0 !important;
    padding: 6px 0 14px !important;
    box-shadow: none !important;
    border: none !important;
    grid-template-columns: 1fr !important;
    background: transparent !important;
  }
  .mega-dropdown.open {
    display: flex !important;
    flex-direction: column !important;
    animation: drawerSubFade 0.24s cubic-bezier(0.16, 1, 0.3, 1);
  }
  .mega-dropdown.mega-deposits,
  .mega-dropdown.mega-investments,
  .mega-dropdown.mega-loans {
    width: 100% !important;
    max-width: 100% !important;
  }
  @keyframes drawerSubFade {
    from { opacity: 0; transform: translateY(-8px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .mega-spotlight {
    display: none !important;
  }
  
  .mega-col {
    display: flex;
    flex-direction: column;
    gap: 6px;
  }
  .mega-col-title {
    font-size: 0.72rem !important;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--emerald-600) !important;
    font-weight: 700;
    padding: 8px 4px 4px !important;
  }

  /* Scheme Item Card in Drawer */
  .mega-link {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 10px 12px;
    background: var(--bg-subtle);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    margin-bottom: 6px;
    text-decoration: none;
    transition: background 0.18s, border-color 0.18s;
  }
  .mega-link:hover,
  .mega-link:active {
    background: var(--blue-subtle);
    border-color: var(--blue-primary);
  }
  .mega-ico {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-sm);
    flex: none;
  }
  .mega-ico svg {
    width: 18px;
    height: 18px;
  }
  .mega-info {
    flex: 1;
    min-width: 0;
  }
  .mega-title-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 6px;
  }
  .mega-title {
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--text-head);
  }
  .mega-badge {
    font-size: 0.7rem;
    padding: 2px 7px;
    border-radius: 999px;
  }
  .mega-desc {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.35;
    margin-top: 2px;
  }

  /* Drawer Bottom Actions & Helpline */
  .mobile-actions {
    display: flex !important;
    flex-direction: column;
    gap: 12px;
    margin: 16px 18px 36px;
    padding: 16px;
    background: var(--bg-subtle);
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
  }
  .mobile-actions .btn-member-drawer {
    width: 100%;
    justify-content: center;
    padding: 13px 20px;
    font-size: 0.98rem;
    border-radius: var(--radius-md);
    background: var(--action-primary);
    color: #ffffff !important;
    box-shadow: 0 4px 14px rgba(5, 150, 105, 0.35);
    text-decoration: none;
    font-weight: 700;
  }
  .mobile-actions .btn-member-drawer:hover {
    background: var(--action-primary-hover);
    color: #ffffff !important;
    transform: translateY(-2px);
  }
  .mobile-quick-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }
  .mobile-quick-row .btn {
    width: 100%;
    justify-content: center;
    padding: 10px 12px;
    font-size: 0.88rem;
  }
  .btn-wa-drawer {
    background: #25D366;
    color: #ffffff !important;
    border: 1.5px solid transparent;
    border-radius: var(--radius-md);
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.88rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    text-decoration: none;
    transition: background 0.2s;
  }
  .btn-wa-drawer:hover {
    background: #1ebd5a;
    color: #ffffff !important;
  }

  /* Drawer Socials */
  .mobile-drawer-socials {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 12px;
    border-top: 1px solid var(--border-light);
  }
  .drawer-social-label {
    font-size: 0.75rem;
    font-weight: 700;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
  }
  .drawer-social-icons {
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .drawer-soc-link {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: var(--bg-surface);
    border: 1px solid var(--border-light);
    color: var(--text-head);
    transition: all 0.2s;
    text-decoration: none;
  }
  .drawer-soc-link:hover {
    color: #ffffff !important;
  }
  .drawer-soc-link.soc-ig:hover { background: #E1306C; border-color: #E1306C; }
  .drawer-soc-link.soc-x:hover { background: #000000; border-color: #000000; }
  .drawer-soc-link.soc-threads:hover { background: #101010; border-color: #101010; }

  /* Mobile Backdrop (Off-Canvas Scrim) */
  .mobile-backdrop {
    position: fixed;
    inset: 0;
    background: rgba(4, 10, 26, 0.72);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    z-index: 99990 !important;
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 0.3s ease, visibility 0.3s ease;
    display: block !important;
  }
  .mobile-backdrop.active {
    opacity: 1 !important;
    visibility: visible !important;
    pointer-events: auto !important;
  }

  /* Hide floating connect suite when mobile drawer is open so they don't overlap */
  html.mobile-nav-active .floating-connect {
    opacity: 0 !important;
    pointer-events: none !important;
    transform: scale(0.85);
    transition: opacity 0.2s ease, transform 0.2s ease;
  }
}

/* ==========================================================================
   BUTTONS & CTAs
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: var(--radius-md);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  line-height: 1.25;
  text-decoration: none;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all var(--transition-fast);
  white-space: nowrap;
}
.btn-primary {
  background: var(--action-primary);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(5, 150, 105, 0.3);
}
.btn-primary:hover {
  background: var(--action-primary-hover);
  color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(5, 150, 105, 0.4);
}

.btn-outline {
  border: 1.5px solid var(--border-strong);
  color: var(--text-head);
  background: transparent;
}
.btn-outline:hover {
  background: var(--bg-subtle);
  border-color: var(--text-head);
  color: var(--text-head);
  transform: translateY(-2px);
}

/* High-Contrast White Outline Buttons for dark surfaces, dark banners, hero, & footer */
.btn-outline-white,
.tint-dark .btn-outline,
.footer-pre .btn-outline,
.footer-pre-actions .btn-outline,
.hero-home .btn-outline,
.page-hero .btn-outline {
  background: rgba(255, 255, 255, 0.12) !important;
  border: 1.5px solid rgba(255, 255, 255, 0.45) !important;
  color: #ffffff !important;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.btn-outline-white:hover,
.tint-dark .btn-outline:hover,
.footer-pre .btn-outline:hover,
.footer-pre-actions .btn-outline:hover,
.hero-home .btn-outline:hover,
.page-hero .btn-outline:hover {
  background: #ffffff !important;
  border-color: #ffffff !important;
  color: var(--navy-900) !important;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.35);
}
.btn-outline-white svg,
.tint-dark .btn-outline svg,
.footer-pre .btn-outline svg,
.hero-home .btn-outline svg,
.page-hero .btn-outline svg {
  stroke: currentColor;
  transition: stroke var(--transition-fast);
}
.btn-outline-white:hover svg,
.tint-dark .btn-outline:hover svg,
.footer-pre .btn-outline:hover svg,
.hero-home .btn-outline:hover svg,
.page-hero .btn-outline:hover svg {
  stroke: var(--navy-900);
}

.btn-lg {
  padding: 15px 30px;
  font-size: 1.05rem;
}
.btn-glow {
  position: relative;
  overflow: hidden;
}
.btn-glow::after {
  content: "";
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: linear-gradient(
    60deg,
    transparent 20%,
    rgba(255, 255, 255, 0.25) 50%,
    transparent 80%
  );
  transform: rotate(30deg) translateY(-100%);
  transition: transform 0.6s ease-in-out;
}
.btn-glow:hover::after {
  transform: rotate(30deg) translateY(100%);
}

/* ==========================================================================
   HERO SECTION - FULL BLEED NO-GAPS FINANCIAL SHOWCASE SLIDER
   ========================================================================== */
.hero-home {
  position: relative;
  background: #091326;
  color: #ffffff;
  overflow: hidden;
  width: 100%;
  margin: 0;
  padding: 0;
  user-select: none;
}

.hero-home .slider-track {
  position: relative;
  width: 100%;
  display: grid; /* every slide shares one cell, so the hero height never jumps between slides */
}
.hero-home .slide-item {
  position: relative;
  grid-area: 1 / 1;
  width: 100%;
  min-height: clamp(600px, 82vh, 760px);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.4s ease;
  pointer-events: none;
}
.hero-home .slide-item.active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  position: relative;
}
.hero-home .slide-image-box {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  overflow: hidden;
  background: #0b1528;
  z-index: 1;
}
.hero-home .slide-image-box img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 22%;
  transition: transform 6s ease;
  display: block;
}
.hero-home .slide-item.active .slide-image-box img {
  transform: scale(1.02);
}
.hero-home .slide-item[data-slide="0"] .slide-image-box img {
  object-position: center 20%;
}
.hero-home .slide-item[data-slide="1"] .slide-image-box img {
  object-position: center 26%;
}
.hero-home .slide-item[data-slide="2"] .slide-image-box img {
  object-position: center 22%;
}
.hero-home .slide-item[data-slide="3"] .slide-image-box img {
  object-position: center 24%;
}
.hero-home .slide-item[data-slide="4"] .slide-image-box img {
  object-position: center 28%;
}

/* Light legibility gradient so background image stays clearly visible behind headings */
.hero-home .slide-overlay-gradient {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    180deg,
    rgba(9, 19, 38, 0.08) 0%,
    transparent 12%,
    transparent 62%,
    rgba(9, 19, 38, 0.32) 82%,
    rgba(9, 19, 38, 0.48) 100%
  );
  pointer-events: none;
}
.hero-home .slide-offer-badge {
  position: absolute;
  top: 18px;
  right: clamp(16px, 3.5vw, 40px);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 15px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  z-index: 5;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
  white-space: nowrap;
}
.hero-home .slide-offer-badge.gold {
  background: rgba(245, 158, 11, 0.95);
  color: #0a1128;
}
.hero-home .slide-offer-badge.green {
  background: rgba(16, 185, 129, 0.95);
  color: #0a1128;
}
.hero-home .slide-offer-badge.blue {
  background: rgba(59, 130, 246, 0.95);
  color: #ffffff;
}
.hero-home .slide-offer-badge.purple {
  background: rgba(139, 92, 246, 0.95);
  color: #ffffff;
}

/* Persistent Carousel Arrows - Transparent with subtle blur */
.hero-home .slider-arrow {
  position: absolute;
  top: clamp(150px, 24vh, 230px);
  transform: translateY(-50%);
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: rgba(6, 16, 36, 0.35);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.32);
  color: #ffffff;
  display: grid;
  place-items: center;
  cursor: pointer;
  z-index: 8;
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1), background 0.2s ease, border-color 0.2s ease, box-shadow 0.25s ease;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.28);
}
.hero-home .slider-arrow svg {
  transition: transform 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  display: block;
  filter: drop-shadow(0 1px 3px rgba(0, 0, 0, 0.5));
}
.hero-home .slider-arrow:hover {
  background: rgba(16, 185, 129, 0.55);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border-color: #34d399;
  color: #ffffff;
  box-shadow: 0 0 22px rgba(16, 185, 129, 0.5), 0 8px 22px rgba(0, 0, 0, 0.35);
}
.hero-home .slider-arrow.prev { left: clamp(16px, 2.8vw, 36px); }
.hero-home .slider-arrow.next { right: clamp(16px, 2.8vw, 36px); }
.hero-home .slider-arrow.prev:hover {
  transform: translateY(-50%) translateX(-3px) scale(1.08);
}
.hero-home .slider-arrow.next:hover {
  transform: translateY(-50%) translateX(3px) scale(1.08);
}
.hero-home .slider-arrow.prev:hover svg {
  transform: translateX(-2px);
}
.hero-home .slider-arrow.next:hover svg {
  transform: translateX(2px);
}
.hero-home .slider-arrow:active {
  transform: translateY(-50%) scale(0.94);
  background: rgba(16, 185, 129, 0.7);
}

/* Info panel: soft shadow reaches up to heading for crisp readability while keeping background image visible */
.hero-home .slide-info-card {
  position: relative;
  z-index: 4;
  background: linear-gradient(
    180deg,
    transparent 0%,
    rgba(9, 19, 38, 0.52) 18%,
    rgba(9, 19, 38, 0.72) 52%,
    rgba(9, 19, 38, 0.88) 76%,
    #091326 100%
  );
  width: 100%;
  padding: clamp(28px, 3.6vh, 38px) clamp(20px, 4vw, 48px) 0;
  color: #ffffff;
}
.hero-home .slide-info-wrap {
  max-width: 1200px;
  margin-inline: auto;
  display: flex;
  flex-direction: column;
  gap: clamp(6px, 1vh, 10px);
}
.hero-home .slide-category-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.hero-home .slide-category {
  font-family: var(--font-display);
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #34d399;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.85);
}
.hero-home .slide-regn {
  font-size: 0.72rem;
  font-weight: 600;
  color: #e2e8f0;
  letter-spacing: 0.02em;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.85);
}
.hero-home .slide-headline {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.2vw, 2rem);
  font-weight: 800;
  line-height: 1.22;
  color: #ffffff;
  margin: 0;
  text-shadow: 0 2px 14px rgba(0, 0, 0, 0.88);
}
.hero-home .slide-desc {
  font-size: clamp(0.9rem, 1vw, 1.02rem);
  color: #f1f5f9;
  line-height: 1.5;
  margin: 0;
  max-width: 88ch;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.88);
}
.hero-home .slide-meta-row {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-top: clamp(14px, 1.8vh, 18px);
  padding-bottom: clamp(24px, 3vh, 32px);
  border-top: 1px solid rgba(255, 255, 255, 0.14);
  margin-top: clamp(10px, 1.4vh, 16px);
}
.hero-home .slide-meta-row::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 100vw;
  background: #091326;
  z-index: -1;
  pointer-events: none;
}
.hero-home .slide-stats-group {
  display: flex;
  align-items: center;
  gap: clamp(24px, 4vw, 48px);
}
.hero-home .slide-stat {
  display: flex;
  flex-direction: column;
}
.hero-home .stat-val {
  font-family: var(--font-display);
  font-size: clamp(1.15rem, 1.6vw, 1.45rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
}
.hero-home .stat-lbl {
  font-size: 0.7rem;
  font-weight: 600;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 2px;
}
.hero-home .slide-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 24px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.22);
  color: #ffffff;
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 700;
  font-family: var(--font-display);
  transition: all var(--transition-fast);
  white-space: nowrap;
}
.hero-home .slide-btn:hover {
  background: #34d399;
  color: #0b162c;
  border-color: #34d399;
  transform: translateY(-2px);
}

/* Dots at the very bottom center of the hero section */
.hero-home .slider-dots {
  position: absolute;
  bottom: 8px;
  left: 0;
  right: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  z-index: 10;
  width: 100%;
}
.hero-home .slider-dot {
  width: 28px;
  height: 4px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.35);
  border: none;
  padding: 0;
  cursor: pointer;
  position: relative;
  overflow: hidden;
  transition: width 0.3s ease, background 0.3s ease;
}
.hero-home .slider-dot.active {
  width: 44px;
  background: #34d399;
}
.hero-home .slider-dot .dot-fill {
  position: absolute;
  inset: 0;
  background: #34d399;
}

@media (max-width: 768px) {
  .hero-home .slide-item { min-height: clamp(480px, 74vh, 560px); }
  .hero-home .slide-image-box { height: 100%; }
  .hero-home .slider-arrow { width: 38px; height: 38px; top: 34%; }
  .hero-home .slide-offer-badge { top: 12px; right: 12px; padding: 5px 10px; font-size: 0.72rem; }
  .hero-home .slide-info-card { padding: 16px 16px 0; }
  .hero-home .slide-headline { font-size: 1.25rem; }
  .hero-home .slide-desc { font-size: 0.85rem; }
  .hero-home .slide-meta-row { flex-direction: column; align-items: stretch; gap: 14px; padding-bottom: 24px; }
  .hero-home .slide-stats-group { justify-content: space-between; }
  .hero-home .slide-btn { width: 100%; justify-content: center; }
}
@media (max-width: 480px) {
  .hero-home .slide-category-row { flex-direction: column; align-items: flex-start; gap: 4px; }
}

/* --------------------------------------------------------------------------
   Banner slides: the artwork already carries the headline text, so the image
   is shown whole (no text covered) with a slim stats + CTA bar underneath.
   On phones the headline/description appear in the bar so text stays readable.
   -------------------------------------------------------------------------- */
.hero-home .slide-item.slide-banner {
  justify-content: flex-start;
  background: #091326;
}
.hero-home .slide-banner .slide-image-box {
  position: relative;
  inset: auto;
  flex: none;
  height: auto;
  aspect-ratio: 1600 / 794;
  max-height: calc(clamp(600px, 82vh, 760px) - 96px);
}
.hero-home .slide-banner .slide-image-box img,
.hero-home .slide-item.active.slide-banner .slide-image-box img {
  object-position: center 40%;
  transform: none;
}
.hero-home .slide-banner-bar {
  flex: 1;
  display: flex;
  align-items: center;
  background: #091326;
  padding: 14px clamp(20px, 4vw, 48px) 26px;
  position: relative;
  z-index: 4;
}
.hero-home .slide-banner-bar .slide-info-wrap { width: 100%; }
.hero-home .banner-actions {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
@media (min-width: 769px) {
  /* keep the real heading for screen readers & SEO, hidden visually (it is inside the image) */
  .hero-home .banner-copy {
    position: absolute;
    width: 1px; height: 1px;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
  }
}
@media (max-width: 768px) {
  .hero-home .slide-banner .slide-image-box { max-height: none; }
  .hero-home .slide-banner-bar { align-items: flex-start; padding: 18px 16px 34px; }
  .hero-home .slide-banner-bar .slide-info-wrap { gap: 14px; }
  .hero-home .banner-copy { display: flex; flex-direction: column; gap: 8px; }
  .hero-home .banner-actions { flex-direction: column; align-items: stretch; gap: 14px; }
  .hero-home .banner-actions .slide-stats-group { justify-content: space-between; }
}


/* ==========================================================================
   PAGE HERO FOR SUBPAGES (VIVID PAGE-SPECIFIC BACKGROUND IMAGERY)
   ========================================================================== */
.page-hero {
  position: relative;
  background: #060e1f;
  color: #ffffff;
  overflow: hidden;
  min-height: clamp(340px, 28vw, 440px);
  display: flex;
  align-items: center;
  padding-block: clamp(64px, 7vw, 92px);
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  opacity: 0.88;
  transition: transform 6s cubic-bezier(0.25, 1, 0.5, 1);
  z-index: 1;
}
.page-hero:hover::before {
  transform: scale(1.02);
}
.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    90deg,
    rgba(6, 14, 31, 0.82) 0%,
    rgba(6, 14, 31, 0.65) 42%,
    rgba(6, 14, 31, 0.22) 75%,
    rgba(6, 14, 31, 0.32) 100%
  );
  z-index: 1;
  pointer-events: none;
}
.page-hero .wrap {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: flex-start;
  width: 100%;
}
.page-hero .eyebrow {
  text-shadow: 0 1px 4px rgba(0, 0, 0, 0.7);
}
.page-hero h1 {
  color: #ffffff;
  max-width: 26ch;
  text-shadow: 0 2px 14px rgba(0, 0, 0, 0.85), 0 1px 4px rgba(0, 0, 0, 0.95);
}
.page-hero .lede {
  color: #f1f5f9;
  max-width: 68ch;
  text-shadow: 0 1px 8px rgba(0, 0, 0, 0.85);
  font-weight: 500;
}

/* Page-Specific Background Images on .page-hero::before (Exact 1520x440) */
.page-hero-about::before {
  background-image: url('image/hero-about-1520x440.jpg');
}
.page-hero-deposits::before {
  background-image: url('image/hero-deposits-1520x440.jpg');
}
.page-hero-investments::before {
  background-image: url('image/hero-investments-1520x440.jpg');
}
.page-hero-loans::before {
  background-image: url('image/hero-loans-1520x440.jpg');
}
.page-hero-membership::before {
  background-image: url('image/hero-membership-1520x440.jpg');
}
.page-hero-calculators::before {
  background-image: url('image/hero-calculators-1520x440.jpg');
}
.page-hero-contact::before {
  background-image: url('image/hero-contact-1520x440.jpg');
}

@media (max-width: 768px) {
  .page-hero {
    min-height: 280px;
    padding-block: clamp(48px, 10vw, 72px);
  }
  .page-hero::after {
    background: linear-gradient(
      180deg,
      rgba(6, 14, 31, 0.86) 0%,
      rgba(6, 14, 31, 0.72) 50%,
      rgba(6, 14, 31, 0.45) 100%
    );
  }
}

/* ==========================================================================
   RATE TICKER & STATS RIBBON (SLOW SPEED CONTINUOUS MARQUEE)
   ========================================================================== */
.rate-ribbon {
  background: var(--bg-surface);
  border-block: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  position: relative;
  z-index: 10;
  overflow: hidden;
  width: 100%;
}

/* Subtle edge fades for smooth entry/exit */
.rate-ribbon::before,
.rate-ribbon::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  width: clamp(28px, 5vw, 70px);
  z-index: 3;
  pointer-events: none;
}
.rate-ribbon::before {
  left: 0;
  background: linear-gradient(90deg, var(--bg-surface) 0%, transparent 100%);
}
.rate-ribbon::after {
  right: 0;
  background: linear-gradient(-90deg, var(--bg-surface) 0%, transparent 100%);
}

/* Continuous Marquee Track */
.rate-marquee-container {
  width: 100%;
  overflow: hidden;
  position: relative;
}
.rate-marquee-track {
  display: flex;
  width: max-content;
  animation: rateMarqueeSlow 50s linear infinite;
  will-change: transform;
}
.rate-marquee-track:hover,
.rate-marquee-track:active {
  animation-play-state: paused;
}
.rate-marquee-group {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

/* Individual Rate Cell */
.rate-cell {
  padding: 18px clamp(24px, 3.2vw, 38px);
  border-right: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
  gap: 3px;
  min-width: 240px;
  flex-shrink: 0;
  text-decoration: none;
  transition: background-color var(--transition-fast);
  white-space: nowrap;
}
.rate-cell:hover {
  background: var(--bg-subtle);
}
.rate-num {
  font-family: var(--font-display);
  font-size: 1.95rem;
  font-weight: 800;
  color: var(--emerald-600);
  line-height: 1.1;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}
.rate-num.blue { color: var(--blue-primary); }
.rate-num.gold { color: var(--gold-600); }
.rate-label {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-head);
  line-height: 1.3;
}
.rate-sub {
  font-size: 0.76rem;
  color: var(--text-muted);
}

/* Infinite Seamless Scrolling Keyframe */
@keyframes rateMarqueeSlow {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

/* Static fallback for subpages with standard .wrap */
.rate-ribbon .wrap {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 210px), 1fr));
  gap: 0;
  padding-block: 0;
}

@media (max-width: 720px) {
  .rate-cell {
    padding: 14px 20px;
    min-width: 200px;
  }
  .rate-num {
    font-size: 1.6rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .rate-marquee-track {
    animation: none;
    overflow-x: auto;
  }
}

/* ==========================================================================
   SECTION BLOCKS & GRIDS
   ========================================================================== */
section.block {
  padding-block: clamp(52px, 8vw, 92px);
  position: relative;
}
section.tint-soft {
  background-color: var(--bg-subtle);
}

section.tint-dark {
  background: var(--navy-deep);
  color: #ffffff;
}

.sec-head {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 38px;
  max-width: 68ch;
}
.sec-head.center {
  margin-inline: auto;
  text-align: center;
  align-items: center;
}
.sec-head-split {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 24px;
  flex-wrap: wrap;
  margin-bottom: 38px;
}
.sec-head-split .sec-head {
  margin-bottom: 0;
}

.grid { display: grid; gap: 24px; }
.g2 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 340px), 1fr)); }
.g3 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); }
.g4 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 250px), 1fr)); }

.split-hero {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 420px), 1fr));
  gap: 48px;
  align-items: center;
}

/* ==========================================================================
   INTERACTIVE CARDS & PRODUCT SHOWCASES
   ========================================================================== */
.card-modern {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  transition: transform var(--transition-base), box-shadow var(--transition-base), border-color var(--transition-base);
  overflow: hidden;
}
.card-modern:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--border-strong);
}
.card-modern.highlight {
  border-color: var(--emerald-500);
  background: linear-gradient(180deg, var(--bg-surface) 0%, var(--bg-leaf) 100%);
}

.card-top-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}
.card-ico-box {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--blue-light);
  color: var(--blue-primary);
  display: grid;
  place-items: center;
  transition: transform var(--transition-fast);
}
.card-ico-box.green {
  background: var(--emerald-light);
  color: var(--emerald-600);
}
.card-ico-box.gold {
  background: var(--gold-light);
  color: var(--gold-600);
}
.card-modern:hover .card-ico-box {
  transform: scale(1.06);
}

.card-highlight-badge {
  font-family: var(--font-display);
  font-size: 0.76rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--emerald-light);
  color: var(--emerald-600);
  border: 1px solid var(--emerald-border);
}

.card-rate-pill {
  display: inline-flex;
  align-items: baseline;
  gap: 4px;
  font-family: var(--font-display);
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--text-head);
  letter-spacing: -0.02em;
}
.card-rate-pill span {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-muted);
}

/* Feature Tick List */
ul.ticks {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
ul.ticks li {
  position: relative;
  padding-left: 28px;
  font-size: 0.95rem;
  color: var(--text-body);
  line-height: 1.5;
}
ul.ticks li::before {
  content: "";
  position: absolute;
  left: 3px;
  top: 9px;
  width: 6px;
  height: 11px;
  border: solid var(--emerald-600);
  border-width: 0 2.5px 2.5px 0;
  transform: rotate(45deg);
}

/* Product Detail Articles */
.product-showcase {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 350px;
  gap: 40px;
  padding-block: 48px;
  border-top: 1px solid var(--border-light);
  scroll-margin-top: 90px;
}
.product-showcase:first-of-type {
  border-top: none;
}
.product-main {
  display: flex;
  flex-direction: column;
  gap: 18px;
  min-width: 0;
}
.product-banner-img {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 16 / 8;
  background: var(--grad-hero);
  box-shadow: var(--shadow-md);
}
.product-banner-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Fact Rail */
.facts-rail {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 24px;
  align-self: flex-start;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: sticky;
  top: 90px;
}
.facts-rail-title {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 10px;
}
.facts-dl {
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.facts-row {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.facts-row dt {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  font-weight: 600;
}
.facts-row dd {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-head);
  font-variant-numeric: tabular-nums;
}
.facts-row dd.highlight {
  font-size: 1.6rem;
  color: var(--emerald-600);
  font-family: var(--font-display);
}

@media (max-width: 900px) {
  .product-showcase { grid-template-columns: 1fr; }
  .facts-rail { position: static; }
}

/* ==========================================================================
   COMPARISON TABLES
   ========================================================================== */
.table-scroll {
  overflow-x: auto;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  background: var(--bg-surface);
  box-shadow: var(--shadow-sm);
}
table.coop-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 680px;
  font-size: 0.95rem;
}
table.coop-table th, table.coop-table td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--border-light);
  vertical-align: middle;
}
table.coop-table th {
  background: var(--bg-subtle);
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
}
table.coop-table tr:last-child td {
  border-bottom: none;
}
table.coop-table tr:hover td {
  background: var(--bg-leaf);
}
table.coop-table td.num {
  font-variant-numeric: tabular-nums;
  font-weight: 600;
}

/* ==========================================================================
   STEPS & ONBOARDING
   ========================================================================== */
.steps-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 260px), 1fr));
  gap: 24px;
  position: relative;
}
.step-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: transform var(--transition-base), box-shadow var(--transition-base);
}
.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--emerald-500);
}
.step-badge {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--action-primary);
  color: #ffffff;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  display: grid;
  place-items: center;
  box-shadow: 0 4px 12px rgba(5, 150, 105, 0.35);
}

/* ==========================================================================
   INTERACTIVE CALCULATORS
   ========================================================================== */
.calc-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 4vw, 36px);
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.calc-header {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.calc-field-group {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.calc-field {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-head);
}
.calc-val-display {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--emerald-600);
  background: var(--emerald-light);
  border: 1px solid var(--emerald-border);
  padding: 2px 10px;
  border-radius: var(--radius-sm);
  font-variant-numeric: tabular-nums;
}

/* Custom Range Slider */
input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--border-light);
  outline: none;
  cursor: pointer;
  transition: background var(--transition-fast);
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--action-primary);
  box-shadow: 0 2px 8px rgba(5, 150, 105, 0.4);
  cursor: pointer;
  transition: transform var(--transition-fast), background var(--transition-fast);
}
input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--action-primary-hover);
}
input[type="number"], select, input[type="text"], input[type="tel"], input[type="email"], textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  background: var(--bg-surface);
  color: var(--text-head);
  font-family: inherit;
  font-size: 0.96rem;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
input[type="number"]:focus, select:focus, input[type="text"]:focus, input[type="tel"]:focus, input[type="email"]:focus, textarea:focus {
  border-color: var(--emerald-500);
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
}

/* Mode Switcher Segment */
.calc-mode-segment {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: var(--bg-subtle);
  padding: 4px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  gap: 4px;
}
.calc-mode-segment input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.calc-mode-segment label {
  text-align: center;
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all var(--transition-fast);
  color: var(--text-muted);
}
.calc-mode-segment input:checked + label {
  background: var(--bg-surface);
  color: var(--text-head);
  box-shadow: var(--shadow-sm);
}

/* Calc Results Display */
.calc-results-box {
  background: linear-gradient(135deg, var(--bg-subtle) 0%, var(--bg-leaf) 100%);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 22px;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 160px), 1fr));
  gap: 16px;
}
.calc-result-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.calc-result-label {
  font-size: 0.76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
}
.calc-result-val {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--text-head);
  font-variant-numeric: tabular-nums;
  line-height: 1.2;
}
.calc-result-val.highlight {
  color: var(--emerald-600);
}

/* Visual Distribution Progress Bar */
.calc-progress-wrap {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.calc-progress-bar {
  height: 10px;
  border-radius: var(--radius-full);
  background: var(--border-light);
  overflow: hidden;
  display: flex;
}
.calc-progress-principal {
  height: 100%;
  background: var(--blue-primary);
  transition: width 0.3s ease;
}
.calc-progress-interest {
  height: 100%;
  background: var(--emerald-500);
  transition: width 0.3s ease;
}
.calc-legend {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-weight: 600;
}
.legend-dot {
  display: inline-block;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  margin-right: 5px;
}

/* ==========================================================================
   FAQ ACCORDION & ENHANCED SPLIT SHOWCASE
   ========================================================================== */
.faq-split-layout {
  display: grid;
  grid-template-columns: 0.88fr 1.22fr;
  gap: clamp(28px, 4vw, 48px);
  align-items: start;
}
.faq-side-panel {
  position: sticky;
  top: 100px;
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.faq-side-panel .sec-head {
  margin-bottom: 0;
}
.faq-assist-card {
  background: linear-gradient(145deg, #091738 0%, #0d285e 55%, #064e3b 100%);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-lg);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
  overflow: hidden;
}
.faq-assist-card::after {
  content: "";
  position: absolute;
  top: -40px;
  right: -40px;
  width: 130px;
  height: 130px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.28) 0%, transparent 70%);
  pointer-events: none;
}
.faq-assist-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 12px;
  border-radius: var(--radius-full);
  background: rgba(16, 185, 129, 0.18);
  border: 1px solid rgba(52, 211, 153, 0.35);
  color: #6ee7b7;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  width: fit-content;
}
.faq-assist-card h3 {
  color: #ffffff;
  font-size: 1.22rem;
  font-weight: 800;
  line-height: 1.3;
}
.faq-assist-card p {
  color: #cbd5e1;
  font-size: 0.9rem;
  line-height: 1.55;
}
.faq-assist-meta {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding-top: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.85rem;
  color: #e2e8f0;
}
.faq-assist-meta-row {
  display: flex;
  align-items: center;
  gap: 10px;
}
.faq-assist-meta-row svg {
  color: #34d399;
  flex-shrink: 0;
}
.faq-assist-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 4px;
}
.faq-assist-actions .btn {
  flex: 1;
  min-width: 135px;
  justify-content: center;
  padding: 10px 16px;
  font-size: 0.86rem;
}

@media (max-width: 960px) {
  .faq-split-layout {
    grid-template-columns: 1fr;
  }
  .faq-side-panel {
    position: static;
  }
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.faq-list.wrap-narrow {
  padding-inline: 0;
}
.faq-item {
  border: 1px solid var(--border-light);
  border-left: 4px solid transparent;
  border-radius: var(--radius-lg);
  background: var(--bg-surface);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: border-color var(--transition-fast), box-shadow var(--transition-base), transform var(--transition-fast);
}
.faq-item:hover {
  border-color: var(--border-strong);
  border-left-color: var(--emerald-500);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}
.faq-item.active {
  border-color: var(--emerald-border);
  border-left: 4px solid var(--emerald-500);
  box-shadow: var(--shadow-md);
}
.faq-question {
  width: 100%;
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  background: transparent;
  border: none;
  font-family: var(--font-display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-head);
  text-align: left;
  cursor: pointer;
  transition: background-color var(--transition-fast), color var(--transition-fast);
}
.faq-item.active .faq-question {
  color: var(--emerald-600);
  background: linear-gradient(90deg, rgba(16, 185, 129, 0.05) 0%, transparent 100%);
}
.faq-q-left {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
}
.faq-q-num {
  width: 32px;
  height: 32px;
  border-radius: 10px;
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  color: var(--text-muted);
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 800;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: all var(--transition-fast);
}
.faq-item:hover .faq-q-num,
.faq-item.active .faq-q-num {
  background: var(--emerald-light);
  border-color: var(--emerald-border);
  color: var(--emerald-600);
}
.faq-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--bg-subtle);
  border: 1px solid var(--border-light);
  color: var(--text-muted);
  display: grid;
  place-items: center;
  flex: none;
  transition: transform var(--transition-base), background-color var(--transition-fast), color var(--transition-fast), border-color var(--transition-fast);
}
.faq-item:hover .faq-icon {
  border-color: var(--emerald-border);
  color: var(--emerald-600);
}
.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--emerald-500);
  border-color: var(--emerald-500);
  color: #ffffff;
}
.faq-answer {
  display: none;
  padding: 14px 24px 22px 70px;
  color: var(--text-body);
  font-size: 0.96rem;
  line-height: 1.68;
  border-top: 1px dashed var(--border-light);
}
@media (max-width: 600px) {
  .faq-question {
    padding: 16px 18px;
    font-size: 0.98rem;
  }
  .faq-answer {
    padding: 12px 18px 18px 18px;
  }
}
.faq-item.active .faq-answer {
  display: block;
}

/* ==========================================================================
   OUTSTANDING MEGA FOOTER & FINANCIAL CONCIERGE
   ========================================================================== */
footer.site {
  background: 
    radial-gradient(circle at 12% 12%, rgba(16, 185, 129, 0.08) 0%, transparent 42%),
    radial-gradient(circle at 88% 50%, rgba(59, 130, 246, 0.07) 0%, transparent 45%),
    radial-gradient(circle at 50% 95%, rgba(245, 158, 11, 0.05) 0%, transparent 40%),
    #050a17;
  color: #cbd5e1;
  font-size: 0.94rem;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

/* Pre-Footer Concierge Card */
.footer-pre {
  padding-block: 46px 36px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.07);
  position: relative;
}
.footer-pre-card {
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.06) 0%, rgba(255, 255, 255, 0.02) 100%);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-2xl);
  padding: 34px 40px;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: 36px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.45);
  position: relative;
  overflow: hidden;
}
.footer-pre-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, rgba(52, 211, 153, 0.8), rgba(96, 165, 250, 0.8), transparent);
}
.footer-pre-left {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.footer-pre-text {
  display: flex;
  flex-direction: column;
  gap: 8px;
  max-width: 100%;
}
.f-pre-status {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.76rem;
  font-weight: 700;
  color: #34d399;
  background: rgba(16, 185, 129, 0.14);
  border: 1px solid rgba(16, 185, 129, 0.3);
  padding: 4px 12px;
  border-radius: 999px;
  width: fit-content;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.f-pre-status .pulse-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulseRing 1.8s infinite;
}
.footer-pre-text h3 {
  color: #ffffff;
  font-size: 1.48rem;
  font-weight: 800;
  letter-spacing: -0.01em;
  margin: 0;
}
.footer-pre-text p {
  color: #94a3b8;
  font-size: 0.94rem;
  line-height: 1.6;
  margin: 0;
}
.footer-pre-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
}
.footer-pre-map {
  position: relative;
  width: 100%;
  height: 230px;
  border-radius: var(--radius-xl);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.16);
  background: #091326;
  box-shadow: 0 14px 35px rgba(0, 0, 0, 0.45);
}
.footer-pre-map iframe {
  width: 100% !important;
  height: 100% !important;
  display: block;
  border: 0;
}
.footer-pre-map-overlay {
  position: absolute;
  bottom: 10px;
  left: 10px;
  right: 10px;
  background: rgba(9, 19, 38, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 6px 14px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}
.footer-pre-map-overlay .f-map-badge {
  font-family: var(--font-display);
  font-size: 0.75rem;
  font-weight: 700;
  color: #ffffff;
}
.footer-pre-map-overlay .f-map-open-link {
  font-size: 0.74rem;
  font-weight: 700;
  color: #34d399 !important;
  text-decoration: none !important;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: color 0.2s;
}
.footer-pre-map-overlay .f-map-open-link:hover {
  color: #ffffff !important;
}

@media (max-width: 960px) {
  .footer-pre-card {
    grid-template-columns: 1fr;
    gap: 28px;
    padding: 30px 24px;
  }
  .footer-pre-map {
    height: 220px;
  }
}
.btn-wa-pre {
  background: #25D366;
  color: #ffffff !important;
  border: 1.5px solid transparent;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: var(--radius-md);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none;
  transition: all var(--transition-fast);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.35);
}
.btn-wa-pre:hover {
  background: #1ebd5a;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.45);
}

/* Quick Financial Tools Strip - Calm, Cohesive Design */
.f-tools-strip {
  padding-block: 28px 12px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.f-tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
.f-tool-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.025);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-xl);
  text-decoration: none;
  color: #e2e8f0;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}
.f-tool-card:hover {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.16);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.35);
}
.f-tool-ico {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  display: grid;
  place-items: center;
  flex: none;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.09);
  color: #cbd5e1;
  transition: all 0.2s ease;
}
.f-tool-card:hover .f-tool-ico {
  color: #34d399;
  background: rgba(16, 185, 129, 0.12);
  border-color: rgba(16, 185, 129, 0.28);
  transform: scale(1.05);
}
.f-tool-info {
  display: flex;
  flex-direction: column;
  min-width: 0;
  flex: 1;
}
.f-tool-title-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 8px;
}
.f-tool-title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.94rem;
  color: #ffffff;
}
.f-tool-badge {
  font-size: 0.69rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.06);
  color: #cbd5e1;
  border: 1px solid rgba(255, 255, 255, 0.1);
  white-space: nowrap;
  letter-spacing: 0.02em;
  transition: all 0.2s ease;
}
.f-tool-card:hover .f-tool-badge {
  background: rgba(16, 185, 129, 0.15);
  color: #6ee7b7;
  border-color: rgba(16, 185, 129, 0.3);
}
.f-tool-desc {
  font-size: 0.8rem;
  color: #94a3b8;
  margin-top: 4px;
  line-height: 1.4;
  white-space: normal;
}

/* Main 5-Column Mega Footer */
.f-main {
  display: grid;
  grid-template-columns: 1.8fr repeat(4, 1fr);
  gap: 48px 34px;
  padding-block: 52px 42px;
}
.f-col {
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-width: 0;
}
.f-col h4,
.f-accordion-toggle {
  color: #ffffff;
  font-size: 1.05rem;
  font-weight: 700;
  position: relative;
  padding-bottom: 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: transparent;
  border: none;
  width: 100%;
  text-align: left;
  cursor: default;
}
.f-col-title {
  position: relative;
  display: block;
}
.f-col h4::after,
.f-col-title::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -12px;
  width: 32px;
  height: 3px;
  border-radius: var(--radius-full);
  background: var(--emerald-500);
}
.f-chevron {
  display: none !important;
}
.f-col ul,
.f-accordion-panel {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 11px;
}
.f-col a {
  color: #94a3b8;
  text-decoration: none;
  transition: color var(--transition-fast), transform var(--transition-fast);
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 0.91rem;
  line-height: 1.45;
}
.f-col a::before {
  content: "›";
  font-size: 1.15rem;
  line-height: 1;
  color: rgba(52, 211, 153, 0.5);
  transition: transform var(--transition-fast), color var(--transition-fast);
}
.f-col a:hover {
  color: #34d399;
  transform: translateX(3px);
}
.f-col a:hover::before {
  color: #34d399;
  transform: translateX(2px);
}
.f-badge-pill {
  font-size: 0.68rem;
  font-weight: 600;
  padding: 2px 7px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.06);
  color: #94a3b8;
  border: 1px solid rgba(255, 255, 255, 0.1);
  margin-left: 6px;
  white-space: nowrap;
  display: inline-block;
  vertical-align: middle;
  transition: all var(--transition-fast);
}
.f-col a:hover .f-badge-pill {
  color: #34d399;
  border-color: rgba(16, 185, 129, 0.3);
  background: rgba(16, 185, 129, 0.1);
}

@media (min-width: 769px) {
  .f-col.f-accordion .f-accordion-panel,
  .f-col.f-accordion ul.f-accordion-panel,
  .f-col.f-accordion div.f-accordion-panel,
  .f-col.f-accordion > ul,
  .f-col.f-accordion > .f-accordion-panel {
    display: flex !important;
  }
  .f-accordion-toggle {
    cursor: default !important;
    pointer-events: none !important;
  }
  .f-chevron {
    display: none !important;
  }
}

/* Footer Brand Profile */
.f-brand-box {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.f-brand {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  margin-bottom: 2px;
  transition: transform var(--transition-fast);
}
.f-brand:hover {
  transform: translateY(-2px);
}
.f-brand .f-logo-badge {
  padding: 6px 12px;
  border-radius: var(--radius-lg);
  background: #ffffff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.28);
  flex: none;
  transition: box-shadow var(--transition-fast);
}
.f-brand:hover .f-logo-badge {
  box-shadow: 0 6px 20px rgba(16, 185, 129, 0.3);
}
.f-brand .f-logo-badge img {
  height: 44px;
  width: auto;
  object-fit: contain;
  display: block;
}
.f-brand-text {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.f-brand-text .brand-name {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: #ffffff;
  line-height: 1.15;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.f-brand-text .brand-name span {
  color: #34d399;
}
.f-brand-text .brand-sub {
  font-size: 0.72rem;
  font-weight: 600;
  color: #94a3b8;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  margin-top: 3px;
  line-height: 1.35;
  display: block !important;
}
.f-logo-badge {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 8px 16px;
  width: fit-content;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25);
}
.f-logo-badge img {
  height: 48px;
  width: auto;
}
.f-brand-tagline {
  font-size: 0.91rem;
  line-height: 1.6;
  color: #cbd5e1;
}
.f-legal-reg {
  font-size: 0.83rem;
  color: #cbd5e1;
  line-height: 1.55;
  background: rgba(255, 255, 255, 0.045);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 14px 16px;
  border-radius: var(--radius-lg);
  position: relative;
}
.f-legal-reg strong {
  color: #ffffff;
  font-size: 0.88rem;
  display: block;
  margin-bottom: 3px;
}
.f-legal-reg-sub {
  color: #94a3b8;
  font-size: 0.79rem;
  margin-top: 3px;
  line-height: 1.45;
}
.f-trust-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.f-trust-chip {
  font-size: 0.74rem;
  font-weight: 700;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 5px 12px;
  border-radius: 999px;
  color: #e2e8f0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: all 0.2s;
}
.f-trust-chip:hover {
  background: rgba(16, 185, 129, 0.15);
  border-color: rgba(16, 185, 129, 0.35);
  color: #ffffff;
}

/* Branch & Direct Contact Details in Footer */
.f-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.88rem;
  line-height: 1.5;
  padding: 8px 12px;
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-md);
  transition: border-color 0.2s;
}
.f-contact-item:hover {
  border-color: rgba(52, 211, 153, 0.3);
}
.f-contact-item svg {
  color: #34d399;
  flex: none;
  margin-top: 2px;
}
.f-contact-item a {
  color: #cbd5e1;
  text-decoration: none;
  transition: color 0.2s;
}
.f-contact-item a::before {
  display: none !important;
}
.f-contact-item a:hover {
  color: #34d399;
  transform: none;
}
.f-live-indicator {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 700;
  color: #34d399;
}
.f-live-indicator .pulse-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #10b981;
}

/* Embedded Branch Google Map in Footer */
.f-map-embed {
  margin-top: 12px;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.14);
  background: #091326;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.35);
  display: flex;
  flex-direction: column;
}
.f-map-embed iframe {
  width: 100% !important;
  height: 155px;
  display: block;
  border: 0;
  filter: contrast(1.04);
}

/* Statutory Regulatory Compliance Notice */
.f-statutory-notice {
  padding-block: 22px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.8rem;
  line-height: 1.65;
  color: #64748b;
}
.f-statutory-notice p {
  margin: 0;
}
.f-statutory-notice strong {
  color: #94a3b8;
}

/* Legal Copyright & Bottom Bar */
.f-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(0, 0, 0, 0.35);
  padding-block: 22px;
  font-size: 0.84rem;
  color: #94a3b8;
}
.f-bottom .wrap {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}
.f-bottom-links {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}
.f-bottom-links a {
  color: #94a3b8;
  text-decoration: none;
  font-size: 0.82rem;
  transition: color var(--transition-fast);
}
.f-bottom-links a:hover {
  color: #34d399;
}
.to-top-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 18px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: #e2e8f0;
  text-decoration: none;
  font-weight: 700;
  font-size: 0.84rem;
  transition: all var(--transition-fast);
}
.to-top-btn:hover {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(52, 211, 153, 0.5);
  color: #34d399;
  transform: translateY(-2px);
}

@media (max-width: 1024px) {
  .f-tools-grid { grid-template-columns: repeat(2, 1fr); }
  .f-main { grid-template-columns: repeat(2, 1fr); gap: 36px 28px; }
  .f-brand-box { grid-column: 1 / -1; }
}
@media (max-width: 768px) {
  .f-main {
    display: flex !important;
    flex-direction: column !important;
    gap: 0 !important;
    padding-block: 36px 24px !important;
  }
  .f-brand-box {
    padding-bottom: 24px;
    margin-bottom: 12px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }
  .f-col.f-accordion {
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    padding: 0;
    gap: 0;
  }
  .f-accordion-toggle {
    display: flex !important;
    align-items: center !important;
    justify-content: space-between !important;
    width: 100%;
    padding: 16px 2px !important;
    background: transparent !important;
    border: none !important;
    cursor: pointer !important;
    pointer-events: auto !important;
    text-align: left;
    -webkit-tap-highlight-color: transparent;
  }
  .f-col-title {
    font-size: 1.02rem;
    font-weight: 700;
    color: #ffffff;
    pointer-events: none;
  }
  .f-col h4::after,
  .f-col-title::after {
    display: none !important;
  }
  .f-chevron {
    display: flex !important;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: #94a3b8;
    transition: transform 0.28s cubic-bezier(0.16, 1, 0.3, 1), background 0.2s, color 0.2s;
    flex: none;
    pointer-events: none;
  }
  .f-col.f-accordion.open .f-chevron,
  .f-accordion-toggle[aria-expanded="true"] .f-chevron {
    transform: rotate(180deg);
    background: rgba(16, 185, 129, 0.16);
    color: #34d399;
    border-color: rgba(16, 185, 129, 0.35);
  }
  .f-col.f-accordion .f-accordion-panel,
  .f-col.f-accordion ul.f-accordion-panel,
  .f-col.f-accordion div.f-accordion-panel,
  .f-col.f-accordion > ul,
  .f-col.f-accordion > .f-accordion-panel,
  .f-col ul.f-accordion-panel,
  .f-accordion-panel {
    display: none !important;
  }
  .f-col.f-accordion.open .f-accordion-panel,
  .f-col.f-accordion.open ul.f-accordion-panel,
  .f-col.f-accordion.open div.f-accordion-panel,
  .f-col.f-accordion.open > ul,
  .f-col.f-accordion.open > .f-accordion-panel,
  .f-col.f-accordion.open ul,
  .f-col.f-accordion.open div.f-branch-panel {
    display: flex !important;
    flex-direction: column !important;
    gap: 12px;
    padding: 4px 6px 20px !important;
    animation: fAccReveal 0.24s cubic-bezier(0.16, 1, 0.3, 1);
  }
  @keyframes fAccReveal {
    from { opacity: 0; transform: translateY(-8px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .f-branch-panel {
    gap: 10px !important;
  }
  .f-map-embed iframe {
    height: 190px;
  }
}
@media (max-width: 680px) {
  .footer-pre-card { padding: 26px 20px; }
  .footer-pre-actions { width: 100%; flex-direction: column; }
  .footer-pre-actions .btn, .footer-pre-actions .btn-wa-pre { width: 100%; justify-content: center; }
  .f-tools-grid { grid-template-columns: 1fr; }
  .f-bottom .wrap { flex-direction: column; text-align: center; gap: 14px; }
  .f-bottom-links { justify-content: center; }
}

/* ==========================================================================
   FLOATING CONNECT & SOCIAL SPEED-DIAL / DOCK
   ========================================================================== */
.floating-connect {
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 95;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 10px;
}
.floating-dock-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  align-items: flex-end;
}
.floating-btn {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.32);
  text-decoration: none;
  transition: transform var(--transition-base), box-shadow var(--transition-base), filter var(--transition-fast);
  color: #ffffff !important;
  position: relative;
  border: 1.5px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.floating-btn:hover {
  transform: scale(1.12) translateY(-2px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.45);
}
.floating-tooltip {
  position: absolute;
  right: calc(100% + 12px);
  top: 50%;
  transform: translateY(-50%) translateX(6px);
  background: rgba(9, 23, 56, 0.95);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #ffffff;
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 6px 12px;
  border-radius: var(--radius-full);
  white-space: nowrap;
  pointer-events: none;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-fast);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.3);
  border: 1px solid rgba(255, 255, 255, 0.2);
}
.floating-btn:hover .floating-tooltip {
  opacity: 1;
  visibility: visible;
  transform: translateY(-50%) translateX(0);
}

/* Distinct High-Visibility Brand Colors */
.floating-wa {
  background: linear-gradient(135deg, #2fe672 0%, #25d366 50%, #1da851 100%);
  border: 2px solid rgba(255, 255, 255, 0.4);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.5), inset 0 1px 2px rgba(255, 255, 255, 0.5);
  animation: waPulseGlow 3s ease-in-out infinite;
  width: 54px;
  height: 54px;
}
.floating-wa:hover {
  background: linear-gradient(135deg, #38ef7d 0%, #28e06f 50%, #1fad57 100%);
  box-shadow: 0 12px 32px rgba(37, 211, 102, 0.7), 0 0 20px rgba(46, 230, 114, 0.6);
  transform: scale(1.15) translateY(-3px);
  animation: none;
}
.floating-wa svg {
  filter: drop-shadow(0 1px 2px rgba(0, 0, 0, 0.2));
  transition: transform 0.25s ease;
}
.floating-wa:hover svg {
  transform: scale(1.1) rotate(-4deg);
}

@keyframes waPulseGlow {
  0% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0.6), 0 8px 24px rgba(0, 0, 0, 0.32);
  }
  65% {
    box-shadow: 0 0 0 14px rgba(37, 211, 102, 0), 0 10px 28px rgba(0, 0, 0, 0.38);
  }
  100% {
    box-shadow: 0 0 0 0 rgba(37, 211, 102, 0), 0 8px 24px rgba(0, 0, 0, 0.32);
  }
}

.wa-status-dot {
  display: inline-block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: #2fe672;
  margin-right: 6px;
  box-shadow: 0 0 6px #2fe672;
  vertical-align: middle;
}
.floating-call {
  background: var(--blue-primary);
  box-shadow: 0 6px 20px rgba(30, 62, 189, 0.45);
}
.floating-call:hover {
  background: var(--action-accent-hover);
  box-shadow: 0 10px 28px rgba(30, 62, 189, 0.65);
}
.floating-ig {
  background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
  box-shadow: 0 6px 20px rgba(220, 39, 67, 0.45);
}
.floating-ig:hover {
  filter: brightness(1.15);
  box-shadow: 0 10px 28px rgba(220, 39, 67, 0.65);
}
.floating-x {
  background: #000000;
  border-color: rgba(255, 255, 255, 0.4);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.55);
}
.floating-x:hover {
  background: #111111;
  box-shadow: 0 10px 28px rgba(255, 255, 255, 0.3);
}
.floating-threads {
  background: #101010;
  border-color: rgba(255, 255, 255, 0.4);
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.55);
}
.floating-threads:hover {
  background: #1a1a1a;
  box-shadow: 0 10px 28px rgba(255, 255, 255, 0.3);
}

/* Footer Social Row */
.f-social-wrap {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: 10px;
}
.f-social-label {
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #94a3b8;
}
.f-social-row {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}
.f-social-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #ffffff !important;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  transition: all var(--transition-fast);
}
.f-social-icon:hover {
  transform: translateY(-2px) scale(1.1);
  border-color: #ffffff;
}
.f-social-icon.ig:hover {
  background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
  box-shadow: 0 4px 14px rgba(220, 39, 67, 0.5);
}
.f-social-icon.x:hover {
  background: #000000;
  box-shadow: 0 4px 14px rgba(255, 255, 255, 0.3);
}
.f-social-icon.threads:hover {
  background: #111111;
  box-shadow: 0 4px 14px rgba(255, 255, 255, 0.3);
}
.f-social-icon.wa:hover {
  background: #25d366;
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.5);
}
.f-social-icon.call:hover {
  background: var(--blue-primary);
  box-shadow: 0 4px 14px rgba(30, 62, 189, 0.5);
}

/* Topbar Social Icons */
.tb-socials {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-right: 4px;
}
.tb-socials a {
  color: #cbd5e1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: color var(--transition-fast), transform var(--transition-fast);
}
.tb-socials a:hover {
  color: #ffffff;
  transform: scale(1.18);
}

/* ==========================================================================
   DEEP MOBILE RESPONSIVENESS (360px - 640px)
   ========================================================================== */
@media (max-width: 768px) {
  .floating-connect {
    right: 14px;
    bottom: 16px;
    gap: 8px;
  }
  .floating-btn {
    width: 44px;
    height: 44px;
  }
  .floating-tooltip {
    display: none !important;
  }
}

@media (max-width: 640px) {
  html, body {
    overflow-x: clip !important;
    max-width: 100vw;
  }
  
  .wrap, .wrap-narrow {
    padding-inline: 16px;
  }
  
  /* Brand compact lockup */
  .brand {
    gap: 8px;
  }
  .brand img {
    height: 38px;
    width: auto;
  }
  .brand-name {
    font-size: 1.05rem;
  }
  .f-brand-text .brand-sub {
    display: block !important;
  }
  .f-brand {
    gap: 12px;
  }
  .f-brand .f-logo-badge {
    padding: 5px 10px;
  }
  .f-brand .f-logo-badge img {
    height: 38px;
  }
  .f-brand-text .brand-name {
    font-size: 1.15rem;
  }
  .f-brand-text .brand-sub {
    font-size: 0.66rem;
  }
  
  /* Hide desktop become a member button in header bar on small phones */
  .header-actions .btn-primary {
    display: none !important;
  }
  
  /* Topbar mobile cleanup */
  .topbar .wrap {
    padding-block: 5px;
    gap: 6px 12px;
  }
  .tb-loc, .tb-hours, .tb-reg {
    display: none !important;
  }
  
  /* Hero title typography scaling */
  h1 {
    font-size: clamp(1.85rem, 6.5vw, 2.3rem);
    line-height: 1.18;
  }
  h2 {
    font-size: clamp(1.5rem, 4.8vw, 1.95rem);
    line-height: 1.22;
  }
  .lede {
    font-size: 1.02rem;
  }
  

  
  /* CTA Dark Banner */
  section.block.tint-dark {
    padding-block: 40px;
  }
  section.block.tint-dark .wrap {
    gap: 20px;
  }
  section.block.tint-dark .wrap > div:last-child {
    flex-direction: column;
    width: 100%;
    gap: 10px;
  }
  section.block.tint-dark .btn {
    width: 100%;
    justify-content: center;
  }
  
  /* Pre-Footer Action Helpline */
  .footer-pre {
    padding-block: 28px;
  }
  .footer-pre-actions {
    flex-direction: column;
    width: 100%;
    gap: 10px;
  }
  .footer-pre-actions .btn {
    width: 100%;
    justify-content: center;
  }
  
  /* Rate ribbon on mobile */
  .rate-cell {
    padding: 16px 14px;
  }
  .rate-num {
    font-size: 1.65rem;
  }
  
  /* Section spacing */
  section.block {
    padding-block: 42px;
  }
  .sec-head {
    margin-bottom: 24px;
  }
  
  /* Footer main */
  .f-main {
    padding-block: 36px 28px;
    gap: 28px;
  }
  .f-bottom .wrap {
    flex-direction: column;
    gap: 12px;
    text-align: center;
  }
}

/* --------------------------------------------------------------------------
   Enhanced Community Visual Showcases (Indian Member Trust & Digital Life)
   -------------------------------------------------------------------------- */
.trust-feature-banner {
  margin-top: 48px;
  background: var(--bg-card);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  align-items: center;
  gap: 0;
}
.trust-feature-img {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 360px;
  overflow: hidden;
}
.trust-feature-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.trust-feature-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(11, 22, 44, 0.15) 0%, rgba(11, 22, 44, 0.75) 100%);
  pointer-events: none;
}
.trust-feature-content {
  padding: 40px 44px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.trust-feature-content h3 {
  font-size: 1.65rem;
  font-weight: 800;
  color: var(--text-heading);
  line-height: 1.25;
}
.trust-feature-content p {
  color: var(--text-muted);
  font-size: 0.98rem;
  line-height: 1.6;
}
.trust-feature-checklist {
  list-style: none;
  margin: 6px 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.trust-feature-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.94rem;
  font-weight: 600;
  color: var(--text-body);
}
.trust-feature-checklist svg {
  color: #10b981;
  flex: none;
  margin-top: 2px;
}
.trust-feature-action {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 10px;
  flex-wrap: wrap;
}

/* Digital Onboarding Banner */
.digital-onboarding-banner {
  margin-top: 48px;
  background: linear-gradient(135deg, #091326 0%, #0d224a 100%);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  align-items: center;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
  color: #ffffff;
}
.digital-onboarding-content {
  padding: 40px 44px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.digital-onboarding-content h3 {
  font-size: 1.6rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.25;
}
.digital-onboarding-content p {
  color: #cbd5e1;
  font-size: 0.96rem;
  line-height: 1.6;
}
.digital-badges-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 4px;
}
.digital-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.09);
  border: 1px solid rgba(255, 255, 255, 0.18);
  font-size: 0.8rem;
  font-weight: 700;
  color: #34d399;
}
.digital-onboarding-img {
  position: relative;
  width: 100%;
  height: 100%;
  min-height: 340px;
  overflow: hidden;
}
.digital-onboarding-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Call to Action Banner Enhanced with Member Success Photo */
.cta-banner-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}
.cta-family-card {
  position: relative;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 20px 45px rgba(0, 0, 0, 0.5), 0 0 0 1px rgba(255, 255, 255, 0.18);
}
.cta-family-card img {
  width: 100%;
  height: 280px;
  object-fit: cover;
  display: block;
}
.cta-family-floating {
  position: absolute;
  bottom: 14px;
  left: 14px;
  right: 14px;
  background: rgba(9, 19, 38, 0.92);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  padding: 10px 16px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.cta-family-floating .cff-title {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 800;
  color: #ffffff;
}
.cta-family-floating .cff-sub {
  font-size: 0.72rem;
  color: #34d399;
  font-weight: 600;
}
.cta-family-badge {
  background: rgba(245, 158, 11, 0.95);
  color: #0b1428;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  font-weight: 800;
  white-space: nowrap;
}

@media (max-width: 900px) {
  .trust-feature-banner,
  .digital-onboarding-banner,
  .cta-banner-grid {
    grid-template-columns: 1fr;
  }
  .trust-feature-img,
  .digital-onboarding-img {
    min-height: 240px;
    height: 240px;
  }
  .trust-feature-content,
  .digital-onboarding-content {
    padding: 28px 22px;
  }
}

/* ==========================================================================
   CONTACT PAGE ENHANCEMENTS
   ========================================================================== */
.contact-hero-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 10px;
}
.contact-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: var(--radius-full);
  color: #ffffff;
  font-size: 0.86rem;
  font-weight: 600;
  text-decoration: none;
  transition: all var(--transition-fast);
}
.contact-pill:hover {
  background: #ffffff;
  color: var(--navy-900);
  border-color: #ffffff;
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.25);
}
.contact-pill.live-status {
  background: rgba(16, 185, 129, 0.2);
  border-color: rgba(16, 185, 129, 0.5);
  color: #6ee7b7;
}
.contact-pill.live-status .pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulse-ring 2s infinite;
}

@keyframes pulse-ring {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 7px rgba(16, 185, 129, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.branch-card-modern {
  background: var(--bg-surface);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}
.branch-card-modern:hover {
  border-color: var(--green-600);
  box-shadow: var(--shadow-xl);
  transform: translateY(-4px);
}
.branch-card-modern.primary-branch::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--green-600), var(--blue-600));
}
.branch-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.branch-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-head);
  margin: 0;
}
.branch-address {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-head);
  line-height: 1.55;
  margin: 0;
}
.branch-transit-box {
  background: var(--bg-surface-alt, #f8fafc);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 0.88rem;
  line-height: 1.5;
}
[data-theme="dark"] .branch-transit-box {
  background: #111e38;
}
.branch-transit-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.branch-transit-item svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--green-600);
}

.dept-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 20px;
  margin-top: 24px;
}
.dept-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 22px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-fast);
}
.dept-card:hover {
  border-color: var(--blue-600);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.dept-card-top {
  display: flex;
  align-items: center;
  gap: 12px;
}
.dept-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(16, 185, 129, 0.12);
  color: var(--green-600);
  flex-shrink: 0;
}
.dept-icon.blue {
  background: rgba(37, 99, 235, 0.12);
  color: var(--blue-600);
}
.dept-icon.gold {
  background: rgba(217, 119, 6, 0.12);
  color: var(--gold-600);
}
.dept-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-head);
  margin: 0;
}
.dept-desc {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}
.dept-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--green-700);
  margin-top: auto;
}
.dept-contact-link:hover {
  text-decoration: underline;
}

.btn-wa-direct {
  background: #25d366 !important;
  color: #ffffff !important;
  border: none !important;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  box-shadow: 0 4px 14px rgba(37, 211, 102, 0.35);
  cursor: pointer;
  text-decoration: none;
}
.btn-wa-direct:hover {
  background: #1ebe5d !important;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.45);
}

.form-dual-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
  margin-top: 8px;
}

/* Direct Contact Channels Hub Styling */
.channels-hub-container {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.channel-card-modern {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.04);
  transition: all var(--transition-base);
  position: relative;
  overflow: hidden;
}
.channel-card-modern:hover {
  border-color: var(--green-600);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
  transform: translateY(-3px);
}
.channel-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
  gap: 10px;
}
.channel-card-title-group {
  display: flex;
  align-items: center;
  gap: 12px;
}
.channel-icon-box {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.channel-icon-box.green {
  background: rgba(16, 185, 129, 0.12);
  color: var(--green-600);
}
.channel-icon-box.blue {
  background: rgba(37, 99, 235, 0.12);
  color: var(--blue-600);
}
.channel-icon-box.gold {
  background: rgba(217, 119, 6, 0.12);
  color: var(--gold-600);
}
.channel-card-title {
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--text-head);
  margin: 0;
}
.channel-badge {
  font-size: 0.74rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.03em;
}
.channel-badge.green {
  background: rgba(16, 185, 129, 0.14);
  color: var(--green-700);
}
.channel-badge.blue {
  background: rgba(37, 99, 235, 0.14);
  color: var(--blue-700);
}
.channel-badge.gold {
  background: rgba(217, 119, 6, 0.14);
  color: var(--gold-700);
}

.channel-items-stack {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.channel-action-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 14px;
  background: var(--bg-surface-alt, #f8fafc);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  gap: 12px;
  transition: all var(--transition-fast);
}
[data-theme="dark"] .channel-action-row {
  background: #111d38;
}
.channel-action-row:hover {
  background: var(--bg-surface);
  border-color: var(--green-500);
}
.channel-info-left {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.channel-item-label {
  font-size: 0.76rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.02em;
}
.channel-item-value {
  font-size: 1.02rem;
  font-weight: 700;
  color: var(--text-head);
  text-decoration: none;
}
.channel-item-value:hover {
  color: var(--green-600);
}
.channel-btn-action {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.84rem;
  font-weight: 700;
  text-decoration: none;
  background: var(--green-600);
  color: #ffffff !important;
  transition: all var(--transition-fast);
  flex-shrink: 0;
}
.channel-btn-action:hover {
  background: var(--green-700);
  transform: translateY(-1px);
  box-shadow: 0 4px 10px rgba(16, 185, 129, 0.35);
}
.channel-btn-action.outline {
  background: transparent;
  color: var(--text-head) !important;
  border: 1.5px solid var(--border-medium);
}
.channel-btn-action.outline:hover {
  background: var(--bg-surface);
  border-color: var(--blue-600);
  color: var(--blue-600) !important;
}

/* Hours status */
.hours-status-box {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: rgba(16, 185, 129, 0.08);
  border: 1px solid rgba(16, 185, 129, 0.25);
  border-radius: var(--radius-md);
  margin-top: 6px;
}
.hours-status-box .pulse-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #10b981;
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulse-ring 2s infinite;
  flex-shrink: 0;
}
.hours-detail-text {
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--text-head);
}
.hours-detail-sub {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* Social Tiles Grid */
.channel-social-tiles {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-top: 12px;
}
@media (max-width: 480px) {
  .channel-social-tiles {
    grid-template-columns: 1fr;
  }
}
.social-tile-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  border-radius: var(--radius-md);
  background: var(--bg-surface-alt, #f8fafc);
  border: 1px solid var(--border-light);
  text-decoration: none;
  transition: all var(--transition-fast);
}
[data-theme="dark"] .social-tile-link {
  background: #111d38;
}
.social-tile-link:hover {
  border-color: var(--green-600);
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.06);
}
.social-tile-icon {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: #ffffff;
}
.social-tile-icon.ig { background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285AEB 90%); }
.social-tile-icon.x { background: #000000; }
.social-tile-icon.threads { background: #101010; }
.social-tile-icon.wa { background: #25d366; }
.social-tile-info {
  display: flex;
  flex-direction: column;
  overflow: hidden;
}
.social-tile-name {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--text-head);
  white-space: nowrap;
}
.social-tile-handle {
  font-size: 0.76rem;
  color: var(--text-muted);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

/* Helper Utilities */
.hidden { display: none !important; }
.text-center { text-align: center; }

.mt-4 { margin-top: 16px; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; animation: none !important; }
}

/* ==========================================================================
   BROCHURES & DOWNLOADS (home showcase, page strips, preview lightbox)
   ========================================================================== */
section.brochure-sec {
  background:
    radial-gradient(900px 420px at 12% 0%, rgba(245, 158, 11, 0.16), transparent 60%),
    radial-gradient(900px 480px at 95% 100%, rgba(16, 185, 129, 0.18), transparent 60%),
    linear-gradient(135deg, #091738 0%, #0d2861 55%, #064e3b 100%);
  color: #e2e8f0;
  overflow: hidden;
}
section.brochure-sec h2,
section.brochure-sec h3 { color: #fff; }
section.brochure-sec .lede { color: #b8c5e0; }
section.brochure-sec .eyebrow {
  color: #fcd34d;
  background: rgba(245, 158, 11, 0.12);
  border-color: rgba(252, 211, 77, 0.35);
}

.brochure-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
}
.brochure-card {
  --bc-accent: #fbbf24;
  display: grid;
  grid-template-columns: minmax(150px, 40%) 1fr;
  gap: clamp(18px, 3vw, 32px);
  align-items: center;
  padding: clamp(20px, 3vw, 30px);
  border-radius: var(--radius-xl);
  background: linear-gradient(160deg, rgba(255, 255, 255, 0.09), rgba(255, 255, 255, 0.03));
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 24px 50px -20px rgba(0, 0, 0, 0.55);
  backdrop-filter: blur(6px);
  transition: transform var(--transition-base), border-color var(--transition-base), box-shadow var(--transition-base);
}
.brochure-card.tone-green { --bc-accent: #34d399; }
.brochure-card:hover {
  transform: translateY(-4px);
  border-color: color-mix(in srgb, var(--bc-accent) 55%, transparent);
}

/* Stacked-paper cover */
.brochure-cover {
  position: relative;
  display: block;
  width: 100%;
  max-width: 230px;
  margin-inline: auto;
  padding: 0;
  border: 0;
  background: none;
  cursor: zoom-in;
  perspective: 900px;
  aspect-ratio: 1 / 1.38;
  -webkit-tap-highlight-color: transparent;
}
.brochure-cover:focus-visible { outline: 3px solid var(--bc-accent); outline-offset: 8px; border-radius: 10px; }
.bc-paper {
  position: absolute;
  inset: 0;
  border-radius: 8px;
  background: #fff;
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.35);
  transition: transform var(--transition-smooth);
}
.bc-paper-back { transform: rotate(-6deg) translate(-8px, 4px); opacity: 0.55; }
.bc-paper-mid  { transform: rotate(4deg) translate(7px, 2px); opacity: 0.8; }
.brochure-cover img {
  position: relative;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: top;
  border-radius: 8px;
  border: 3px solid #fff;
  box-shadow: 0 16px 32px rgba(0, 0, 0, 0.5);
  transform: rotate(-1.5deg);
  transition: transform var(--transition-smooth);
  background: #fff;
}
.brochure-card:hover .brochure-cover img,
.brochure-cover:focus-visible img { transform: rotate(0) scale(1.03); }
.brochure-card:hover .bc-paper-back { transform: rotate(-9deg) translate(-14px, 6px); }
.brochure-card:hover .bc-paper-mid  { transform: rotate(7deg) translate(12px, 3px); }
.bc-zoom {
  position: absolute;
  left: 50%;
  bottom: 14px;
  translate: -50% 0;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 7px 14px;
  border-radius: var(--radius-full);
  background: rgba(9, 23, 56, 0.9);
  color: #fff;
  font: 700 0.78rem var(--font-display);
  letter-spacing: 0.02em;
  white-space: nowrap;
  opacity: 0;
  transform: translateY(6px);
  transition: opacity var(--transition-base), transform var(--transition-base);
}
.brochure-card:hover .bc-zoom,
.brochure-cover:focus-visible .bc-zoom { opacity: 1; transform: none; }
@media (hover: none) { .bc-zoom { opacity: 1; transform: none; } }

.brochure-body { display: flex; flex-direction: column; gap: 12px; min-width: 0; }
.brochure-tag {
  width: fit-content;
  font: 700 0.72rem var(--font-display);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--bc-accent);
  padding: 4px 11px;
  border-radius: var(--radius-full);
  border: 1px solid color-mix(in srgb, var(--bc-accent) 45%, transparent);
  background: color-mix(in srgb, var(--bc-accent) 12%, transparent);
}
.brochure-body h3 { font-size: clamp(1.2rem, 2.3vw, 1.5rem); line-height: 1.25; }
.brochure-body p { color: #b8c5e0; font-size: 1rem; line-height: 1.55; }
.brochure-points {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.brochure-points li {
  font: 600 0.8rem var(--font-display);
  padding: 5px 11px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: #e8eefc;
}
.brochure-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 6px 14px;
  font-size: 0.85rem;
  color: #93a4c8;
}
.brochure-meta span { display: inline-flex; align-items: center; gap: 6px; }
.brochure-meta span + span::before {
  content: "";
  width: 4px; height: 4px; border-radius: 50%;
  background: currentColor; opacity: 0.6;
}
.brochure-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 4px; }
.brochure-actions .btn { padding-inline: 18px; }
.brochure-actions .btn svg { flex: none; }
.brochure-note {
  margin-top: 28px;
  text-align: center;
  font-size: 0.9rem;
  color: #93a4c8;
}
.brochure-note a { color: #fcd34d; font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

@media (max-width: 1040px) {
  .brochure-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .brochure-card { grid-template-columns: 1fr; text-align: left; padding: 20px 18px 22px; }
  .brochure-cover { max-width: 200px; margin-bottom: 8px; }
  .brochure-actions .btn { flex: 1 1 100%; justify-content: center; }
}

/* Compact strip used on Deposits / Investments / Loans pages */
.brochure-strip {
  display: flex;
  align-items: center;
  gap: clamp(14px, 2.5vw, 24px);
  padding: 16px 20px;
  margin-block: 0 36px;
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-left: 4px solid var(--gold-500);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}
.brochure-strip.tone-green { border-left-color: var(--emerald-500); }
.brochure-strip-thumb {
  flex: none;
  width: 58px;
  aspect-ratio: 1 / 1.38;
  padding: 0;
  border: 0;
  border-radius: 6px;
  overflow: hidden;
  cursor: zoom-in;
  box-shadow: var(--shadow-md);
  background: #fff;
}
.brochure-strip-thumb img { width: 100%; height: 100%; object-fit: cover; object-position: top; display: block; }
.brochure-strip-info { flex: 1; min-width: 0; display: flex; flex-direction: column; gap: 3px; }
.brochure-strip-info strong { font: 700 1.05rem var(--font-display); color: var(--text-head); }
.brochure-strip-info span { font-size: 0.92rem; color: var(--text-muted); line-height: 1.45; }
.brochure-strip-actions { display: flex; flex-wrap: wrap; gap: 8px; flex: none; }
.brochure-strip-actions .btn { padding: 9px 16px; font-size: 0.9rem; }
@media (max-width: 720px) {
  .brochure-strip { flex-wrap: wrap; }
  .brochure-strip-info { flex-basis: calc(100% - 90px); }
  .brochure-strip-actions { flex-basis: 100%; }
  .brochure-strip-actions .btn { flex: 1 1 0; justify-content: center; }
}

/* Footer tools-strip: let a 5th card fit gracefully */
.f-tools-grid.has-five { grid-template-columns: repeat(5, 1fr); }
@media (max-width: 1180px) { .f-tools-grid.has-five { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 900px)  { .f-tools-grid.has-five { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px)  { .f-tools-grid.has-five { grid-template-columns: 1fr; } }

/* Preview lightbox */
body.bl-lock { overflow: hidden; }
.bl-overlay {
  position: fixed;
  inset: 0;
  z-index: 3000;
  display: flex;
  flex-direction: column;
  background: rgba(5, 10, 26, 0.94);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.25s ease, visibility 0.25s;
}
.bl-overlay.open { opacity: 1; visibility: visible; }
.bl-bar {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px clamp(12px, 3vw, 28px);
  background: #0a1330;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
}
.bl-title { flex: 1; min-width: 0; font: 700 1rem var(--font-display); white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.bl-count { font-size: 0.85rem; color: #9fb0d4; white-space: nowrap; }
.bl-bar .btn { padding: 8px 14px; font-size: 0.85rem; }
.bl-close, .bl-nav {
  display: inline-grid;
  place-items: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.bl-close:hover, .bl-nav:hover:not(:disabled) { background: rgba(255, 255, 255, 0.2); }
.bl-nav:disabled { opacity: 0.3; cursor: default; }
.bl-stage {
  position: relative;
  flex: 1;
  min-height: 0;
  overflow: auto;
  display: flex;
  justify-content: center;
  align-items: flex-start;
  padding: 18px 64px 24px;
  -webkit-overflow-scrolling: touch;
}
.bl-stage img {
  width: auto;
  max-width: 100%;
  max-height: none;
  height: auto;
  background: #fff;
  border-radius: 6px;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.6);
  cursor: zoom-in;
}
.bl-stage.zoomed { justify-content: flex-start; }
.bl-stage.zoomed img { max-width: none; width: 170%; cursor: zoom-out; }
.bl-nav { position: absolute; top: 50%; translate: 0 -50%; z-index: 2; position: fixed; }
.bl-prev { left: 12px; }
.bl-next { right: 12px; }
.bl-hint { text-align: center; font-size: 0.78rem; color: #7f90b5; padding: 8px 12px 12px; background: #0a1330; }
@media (max-width: 640px) {
  .bl-stage { padding: 10px 8px 16px; }
  .bl-stage.zoomed img { width: 230%; }
  .bl-prev { left: 6px; } .bl-next { right: 6px; }
  .bl-nav { top: auto; bottom: 54px; translate: 0 0; background: rgba(9, 23, 56, 0.85); }
  .bl-bar .btn span.bl-dl-text { display: none; }
  .bl-bar .btn { padding: 9px 11px; }
}
@media (prefers-reduced-motion: reduce) {
  .brochure-card, .brochure-cover img, .bc-paper, .bl-overlay { transition: none; }
}