/* ===================================
   Credion Trust Capital Bank - Styles
   =================================== */

/* CSS Variables */
:root {
  /* Colors - Emerald green banking theme */
  --color-primary: #047857;
  --color-primary-dark: #065f46;
  --color-primary-light: #10b981;
  --color-accent: #0d9488;
  --color-text: #333333;
  --color-text-light: #666666;
  --color-text-inverse: #ffffff;
  --color-bg: #ffffff;
  --color-bg-light: #f5faf8;
  --color-bg-dark: #0a281a;
  --color-border: #e0e0e0;
  --color-success: #10b981;

  /* Typography */
  --font-heading: "Poppins", sans-serif;
  --font-body: "Open Sans", sans-serif;
  --font-size-sm: 0.875rem;
  --font-size-base: 1rem;
  --font-size-lg: 1.125rem;
  --font-size-xl: 1.25rem;
  --font-size-2xl: 1.5rem;
  --font-size-3xl: 2rem;
  --font-size-4xl: 2.5rem;
  --font-size-5xl: 3.5rem;

  /* Spacing */
  --spacing-xs: 0.25rem;
  --spacing-sm: 0.5rem;
  --spacing-md: 1rem;
  --spacing-lg: 1.5rem;
  --spacing-xl: 2rem;
  --spacing-2xl: 3rem;
  --spacing-3xl: 4rem;

  /* Layout */
  --container-max: 1200px;
  --header-height: 80px;
  --border-radius: 8px;
  --radius-md: 8px;
  --radius-lg: 12px;
  --transition: 0.3s ease;
}

/* Reset & Base */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  font-size: var(--font-size-base);
  line-height: 1.6;
  color: var(--color-text);
  background-color: var(--color-bg);
  overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul {
  list-style: none;
}

/* Skip Link */
.skip-link {
  position: absolute;
  left: -9999px;
  z-index: 9999;
  padding: var(--spacing-sm) var(--spacing-md);
  background: var(--color-primary);
  color: white;
}

.skip-link:focus {
  left: var(--spacing-md);
  top: var(--spacing-md);
}

/* Container */
.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.container-narrow {
  max-width: 800px;
}

/* Section */
.section {
  padding: var(--spacing-2xl) 0;
}

@media (min-width: 768px) {
  .section {
    padding: var(--spacing-3xl) 0;
  }
}

/* Section Header */
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto var(--spacing-xl);
}

.section-title {
  font-size: var(--font-size-2xl);
  font-weight: 700;
  font-style: italic;
  margin-bottom: var(--spacing-sm);
}

@media (min-width: 768px) {
  .section-title {
    font-size: var(--font-size-3xl);
  }
}

.section-desc {
  font-size: var(--font-size-base);
  color: var(--color-text-light);
  line-height: 1.7;
}

.section-header-light .section-title,
.section-title-light {
  color: var(--color-text-inverse);
}

.section-header-light .section-desc,
.section-desc-light {
  color: rgba(255, 255, 255, 0.85);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--spacing-sm);
  padding: 0.75rem 1.5rem;
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 600;
  border-radius: var(--border-radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.3s ease;
}

.btn-sm {
  padding: 0.5rem 1rem;
  font-size: 0.8rem;
}

.btn-lg {
  padding: 1rem 2rem;
  font-size: var(--font-size-base);
}

.btn-primary {
  background: var(--color-primary-light);
  color: white;
  border-color: var(--color-primary-light);
}

.btn-primary:hover {
  background: var(--color-primary);
  border-color: var(--color-primary);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(1020, 30600, 22185, 0.3);
}

.btn-outline-light {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn-outline-light:hover {
  background: var(--color-primary);
  color: white;
  transform: translateY(-2px);
}

.btn-outline-white {
  background: transparent;
  color: white;
  border-color: white;
}

.btn-outline-white:hover {
  background: white;
  color: var(--color-primary);
  transform: translateY(-2px);
}

.btn-full {
  width: 100%;
}

.btn svg {
  width: 18px;
  height: 18px;
}

/* ===================================
   ANIMATIONS
   =================================== */

/* Keyframe Animations */
@keyframes fadeIn {
  from {
    opacity: 0;
  }
  to {
    opacity: 1;
  }
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes fadeInRight {
  from {
    opacity: 0;
    transform: translateX(30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes fadeInLeft {
  from {
    opacity: 0;
    transform: translateX(-30px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

@keyframes float {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-10px);
  }
}

@keyframes floatDelayed {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-15px);
  }
}

@keyframes floatSlow {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

@keyframes pulse {
  0%,
  100% {
    opacity: 1;
  }
  50% {
    opacity: 0.7;
  }
}

@keyframes bounce {
  0%,
  20%,
  50%,
  80%,
  100% {
    transform: translateY(0);
  }
  40% {
    transform: translateY(-10px);
  }
  60% {
    transform: translateY(-5px);
  }
}

@keyframes shimmer {
  0% {
    background-position: -200% 0;
  }
  100% {
    background-position: 200% 0;
  }
}

@keyframes orbMove1 {
  0%,
  100% {
    transform: translate(0, 0) scale(1);
  }
  25% {
    transform: translate(50px, -30px) scale(1.1);
  }
  50% {
    transform: translate(100px, 20px) scale(0.9);
  }
  75% {
    transform: translate(30px, 50px) scale(1.05);
  }
}

@keyframes orbMove2 {
  0%,
  100% {
    transform: translate(0, 0) scale(1);
  }
  25% {
    transform: translate(-40px, 40px) scale(1.15);
  }
  50% {
    transform: translate(-80px, -20px) scale(0.85);
  }
  75% {
    transform: translate(-20px, -40px) scale(1.1);
  }
}

@keyframes orbMove3 {
  0%,
  100% {
    transform: translate(0, 0) scale(1);
  }
  33% {
    transform: translate(60px, 60px) scale(1.2);
  }
  66% {
    transform: translate(-30px, 30px) scale(0.9);
  }
}

/* Animation Classes */
.animate-fadeIn {
  animation: fadeIn 0.8s ease forwards;
}

.animate-fadeInUp {
  animation: fadeInUp 0.8s ease forwards;
}

.animate-fadeInRight {
  animation: fadeInRight 0.8s ease forwards;
}

.animate-fadeInLeft {
  animation: fadeInLeft 0.8s ease forwards;
}

.animate-float {
  animation: float 3s ease-in-out infinite;
}

.animate-float-delayed {
  animation: floatDelayed 4s ease-in-out infinite;
  animation-delay: 0.5s;
}

.animate-float-slow {
  animation: floatSlow 5s ease-in-out infinite;
  animation-delay: 1s;
}

.animate-bounce {
  animation: bounce 2s ease infinite;
}

.animate-pulse {
  animation: pulse 2s ease-in-out infinite;
}

/* Scroll Animation */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.animated {
  opacity: 1;
  transform: translateY(0);
}

/* Staggered animations for grids */
.animate-on-scroll:nth-child(1) {
  transition-delay: 0.1s;
}
.animate-on-scroll:nth-child(2) {
  transition-delay: 0.2s;
}
.animate-on-scroll:nth-child(3) {
  transition-delay: 0.3s;
}
.animate-on-scroll:nth-child(4) {
  transition-delay: 0.4s;
}
.animate-on-scroll:nth-child(5) {
  transition-delay: 0.5s;
}
.animate-on-scroll:nth-child(6) {
  transition-delay: 0.6s;
}

/* ===================================
   HEADER
   =================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  background: transparent;
  border-bottom: 1px solid transparent;
  transition: background 0.35s ease, border-color 0.35s ease, box-shadow 0.35s ease;
}

/* Scrim keeps the bar legible over the hero media without a solid block */
.header::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: -48px;
  background: linear-gradient(
    180deg,
    rgba(0, 28, 15, 0.68) 0%,
    rgba(0, 28, 15, 0.3) 55%,
    rgba(0, 28, 15, 0) 100%
  );
  opacity: 1;
  pointer-events: none;
  transition: opacity 0.35s ease;
}

/* Frosted glass once the page is scrolled */
.header.scrolled {
  background: rgba(0, 58, 31, 0.72);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  backdrop-filter: blur(18px) saturate(160%);
  border-bottom-color: rgba(255, 255, 255, 0.1);
  box-shadow: 0 18px 44px -26px rgba(0, 0, 0, 0.95);
}

.header.scrolled::before {
  opacity: 0;
}

.header-container {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: var(--spacing-md);
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  color: white;
}

/* Updated logo image styles to ensure visibility */
.logo-img {
  height: 50px;
  width: auto;
  max-width: 180px;
  filter: brightness(1.08) contrast(1.06) drop-shadow(0 6px 16px rgba(0, 0, 0, 0.45));
  transition: transform 0.3s ease;
  display: block;
}

.logo:hover .logo-img {
  transform: scale(1.05);
}

/* Hide SVG icon and text wrapper since we're using image */
.logo-icon {
  display: none;
}

.logo-text-wrapper {
  display: none;
}

/* Navigation Toggle */
.nav-toggle {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: var(--spacing-sm);
  background: none;
  border: none;
  cursor: pointer;
}

.hamburger,
.hamburger::before,
.hamburger::after {
  display: block;
  width: 24px;
  height: 2px;
  border-radius: 2px;
  background: white;
  transition: var(--transition);
}

.hamburger {
  position: relative;
}

.hamburger::before,
.hamburger::after {
  content: "";
  position: absolute;
  left: 0;
}

.hamburger::before {
  top: -7px;
}

.hamburger::after {
  top: 7px;
}

.nav-toggle[aria-expanded="true"] .hamburger {
  background: transparent;
}

.nav-toggle[aria-expanded="true"] .hamburger::before {
  top: 0;
  transform: rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .hamburger::after {
  top: 0;
  transform: rotate(-45deg);
}

/* Main Navigation - floating glass panel on small screens */
.main-nav {
  display: none;
  position: absolute;
  top: calc(var(--header-height) - 6px);
  left: var(--spacing-md);
  right: var(--spacing-md);
  padding: var(--spacing-md);
  border-radius: 20px;
  background: rgba(0, 48, 26, 0.94);
  -webkit-backdrop-filter: blur(18px) saturate(150%);
  backdrop-filter: blur(18px) saturate(150%);
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: 0 34px 60px -30px rgba(0, 0, 0, 0.95);
}

.main-nav.active {
  display: block;
  animation: navDrop 0.28s ease both;
}

@keyframes navDrop {
  from {
    opacity: 0;
    transform: translateY(-10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.nav-list {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.nav-link {
  display: block;
  padding: 11px 16px;
  border-radius: 12px;
  color: rgba(255, 255, 255, 0.88);
  font-weight: 500;
  transition: background 0.25s ease, color 0.25s ease;
}

.nav-link:hover {
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
}

.nav-link.active {
  background: rgba(255, 255, 255, 0.14);
  color: #ffffff;
}

/* Header CTAs */
.header-ctas {
  display: none;
  align-items: center;
  gap: 10px;
}

.header-ctas .btn-primary {
  box-shadow: 0 10px 26px -12px rgba(4080, 47175, 32895, 0.85);
}

.header-ctas .btn-primary:hover {
  box-shadow: 0 16px 34px -12px rgba(4080, 47175, 32895, 1);
}

/* Sign In as a glass button - the blue-to-green outline was nearly unreadable */
.header-ctas .btn-outline-light {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.24);
  color: #ffffff;
}

.header-ctas .btn-outline-light:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.4);
  color: #ffffff;
}

/* Added mobile nav CTA buttons styles */
.mobile-nav-ctas {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-lg);
  padding-top: var(--spacing-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.mobile-nav-ctas .btn-outline-white {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.28);
}

.mobile-nav-ctas .btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.16);
  border-color: rgba(255, 255, 255, 0.4);
  color: #ffffff;
}

/* Visible keyboard focus throughout the bar */
.header a:focus-visible,
.header button:focus-visible {
  outline: 2px solid #7fffd4;
  outline-offset: 3px;
}

@media (min-width: 992px) {
  .mobile-nav-ctas {
    display: none;
  }

  .nav-toggle {
    display: none;
  }

  .main-nav {
    display: block;
    position: static;
    padding: 0;
    border: none;
    border-radius: 0;
    background: none;
    box-shadow: none;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  /* Segmented pill navigation */
  .nav-list {
    flex-direction: row;
    align-items: center;
    gap: 2px;
    padding: 5px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.07);
    border: 1px solid rgba(255, 255, 255, 0.12);
  }

  .nav-link {
    padding: 8px 18px;
    border-radius: 999px;
    font-size: 0.875rem;
    color: rgba(255, 255, 255, 0.82);
  }

  .nav-link:hover {
    background: rgba(255, 255, 255, 0.12);
    color: #ffffff;
  }

  .nav-link.active {
    background: rgba(255, 255, 255, 0.18);
    color: #ffffff;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.25), 0 8px 18px -12px rgba(0, 0, 0, 0.9);
  }

  .header-ctas {
    display: flex;
  }
}

@media (prefers-reduced-motion: reduce) {
  .main-nav.active {
    animation: none;
  }

  .header,
  .header::before {
    transition: none;
  }
}

/* ===================================
   ADVANCED HERO SECTION
   =================================== */
.hero-advanced {
  position: relative;
  isolation: isolate;
  min-height: 100vh;
  padding-top: calc(var(--header-height) + 72px);
  padding-bottom: 56px;
  background:
    radial-gradient(120% 120% at 12% 0%, rgba(4080, 47175, 32895, 0.38) 0%, transparent 58%),
    radial-gradient(90% 90% at 96% 100%, rgba(3315, 37740, 34680, 0.26) 0%, transparent 58%),
    linear-gradient(135deg, var(--color-primary-dark) 0%, #003a1f 55%, #004d29 100%);
  overflow: hidden;
  display: flex;
  align-items: center;
}

.hero-advanced .container {
  position: relative;
  z-index: 1;
}

/* Background pattern */
.hero-bg-pattern {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image: radial-gradient(circle at 20% 80%, rgba(3315, 37740, 34680, 0.12) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(4080, 47175, 32895, 0.14) 0%, transparent 50%);
  opacity: 0.9;
  pointer-events: none;
  z-index: -2;
}

/* Fine grid overlay that fades out towards the edges */
.hero-bg-grid {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(120% 85% at 50% 0%, #000 0%, transparent 78%);
  mask-image: radial-gradient(120% 85% at 50% 0%, #000 0%, transparent 78%);
  pointer-events: none;
  z-index: -1;
}

/* Animated gradient orbs */
.hero-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.35;
  pointer-events: none;
}

.hero-orb-1 {
  width: 400px;
  height: 400px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-accent));
  top: 10%;
  right: 10%;
  animation: orbMove1 20s ease-in-out infinite;
}

.hero-orb-2 {
  width: 300px;
  height: 300px;
  background: linear-gradient(135deg, #0d9488, #047857);
  bottom: 20%;
  left: 5%;
  animation: orbMove2 25s ease-in-out infinite;
}

.hero-orb-3 {
  width: 250px;
  height: 250px;
  background: linear-gradient(135deg, #10b981, #065f46);
  top: 50%;
  left: 40%;
  animation: orbMove3 18s ease-in-out infinite;
}

.hero-advanced-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
  align-items: center;
  position: relative;
  z-index: 1;
}

@media (min-width: 992px) {
  .hero-advanced-grid {
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-3xl);
  }
}

/* Hero Content */
.hero-advanced-content {
  color: white;
  max-width: 36rem;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.15), rgba(255, 255, 255, 0.06));
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.22);
  box-shadow: 0 8px 28px -12px rgba(0, 0, 0, 0.6), inset 0 1px 0 rgba(255, 255, 255, 0.14);
  padding: 7px 18px 7px 8px;
  border-radius: 50px;
  font-size: var(--font-size-sm);
  font-weight: 500;
  letter-spacing: 0.01em;
  color: rgba(255, 255, 255, 0.94);
  margin-bottom: var(--spacing-lg);
}

.badge-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(16, 185, 129, 0.18);
  color: var(--color-success);
}

.badge-icon svg {
  width: 14px;
  height: 14px;
}

.hero-advanced-title {
  font-size: clamp(2.2rem, 1rem + 3.2vw, 3.6rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin-bottom: var(--spacing-lg);
  text-wrap: balance;
}

.title-line {
  display: block;
}

.title-highlight {
  background: linear-gradient(90deg, #4ff7bf 0%, var(--color-accent) 48%, #7fffd4 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

.hero-advanced-desc {
  font-size: clamp(1rem, 0.94rem + 0.3vw, 1.15rem);
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: var(--spacing-xl);
  max-width: 34rem;
}

.hero-highlights {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  list-style: none;
}

.hero-highlight {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 14px;
  border-radius: 50px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.85);
  transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s ease;
}

.hero-highlight:hover {
  background: rgba(255, 255, 255, 0.11);
  border-color: rgba(255, 255, 255, 0.24);
  transform: translateY(-2px);
}

.hero-highlight svg {
  width: 16px;
  height: 16px;
  color: var(--color-success);
  flex-shrink: 0;
}

.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-xl);
}

.hero-cta-primary {
  box-shadow: 0 14px 34px -12px rgba(4080, 47175, 32895, 0.75);
}

.hero-cta-primary:hover {
  box-shadow: 0 18px 42px -12px rgba(4080, 47175, 32895, 0.9);
}

.hero-cta-primary svg {
  transition: transform 0.3s ease;
}

.hero-cta-primary:hover svg {
  transform: translateX(4px);
}


/* Trust strip anchored to the bottom of the hero */
.hero-stats-bar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: var(--spacing-xl);
  margin-top: clamp(2.5rem, 6vw, 4rem);
  padding: 20px 28px;
  background: rgba(255, 255, 255, 0.07);
  backdrop-filter: blur(14px);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 18px;
  box-shadow: 0 24px 60px -32px rgba(0, 0, 0, 0.85), inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.trust-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.trust-number {
  font-family: var(--font-heading);
  font-size: var(--font-size-xl);
  font-weight: 700;
  line-height: 1.2;
  color: white;
}

.trust-label {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.65);
}

.trust-divider {
  width: 1px;
  height: 38px;
  background: linear-gradient(180deg, transparent, rgba(255, 255, 255, 0.3), transparent);
  display: none;
}

@media (min-width: 576px) {
  .trust-divider {
    display: block;
  }
}

/* Action link shown at the end of the trust strip */
.trust-action {
  margin-left: auto;
}

.trust-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: #7fffd4;
  transition: color 0.3s ease;
}

.trust-link svg {
  width: 16px;
  height: 16px;
  transition: transform 0.3s ease;
}

.trust-link:hover {
  color: #ffffff;
}

.trust-link:hover svg {
  transform: translateX(4px);
}

/* Hero Visual */
.hero-advanced-visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

/* Hero image wrapper keeps a fixed ratio so the floating cards stay aligned */
.hero-image-wrapper {
  position: relative;
  width: 100%;
  max-width: 520px;
  aspect-ratio: 4 / 3.4;
}

/* Soft accent frame sitting behind the image */
.hero-image-wrapper::before {
  content: "";
  position: absolute;
  top: 20px;
  right: -20px;
  bottom: -20px;
  left: 20px;
  border: 1px solid rgba(79, 247, 191, 0.3);
  border-radius: 28px;
  background: linear-gradient(135deg, rgba(4080, 47175, 32895, 0.22), transparent 62%);
}

/* Hero media: image or looping video (shared framing) */
.hero-main-image,
.hero-main-video {
  position: absolute;
  top: 0;
  left: 0;
  z-index: 1;
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  border-radius: 28px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow:
    0 44px 80px -24px rgba(0, 0, 0, 0.7),
    0 14px 34px -14px rgba(0, 0, 0, 0.5);
}

/* Tinted sheen so the photo blends into the brand palette */
.hero-image-sheen {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
  z-index: 2;
  border-radius: 28px;
  background: linear-gradient(160deg, rgba(1530, 24225, 17850, 0.32) 0%, rgba(0, 58, 31, 0.06) 45%, rgba(3315, 37740, 34680, 0.22) 100%);
  pointer-events: none;
}

/* Bank Card */
.hero-bank-card {
  position: relative;
  background: linear-gradient(135deg, #1a2e25 0%, #163e2b 50%, #0f603a 100%);
  border-radius: 16px;
  padding: 30px;
  aspect-ratio: 1.6 / 1;
  box-shadow: 0 25px 50px rgba(0, 0, 0, 0.3);
  overflow: hidden;
}

.hero-bank-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, transparent 40%, rgba(255, 255, 255, 0.05) 100%);
  pointer-events: none;
}

.bank-card-chip {
  width: 45px;
  height: 35px;
  background: linear-gradient(135deg, #d4af37, #f4d03f);
  border-radius: 6px;
  margin-bottom: 30px;
  position: relative;
}

.bank-card-chip::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 30px;
  height: 20px;
  border: 2px solid rgba(0, 0, 0, 0.2);
  border-radius: 3px;
}

.bank-card-logo {
  font-family: var(--font-heading);
  font-size: var(--font-size-lg);
  font-weight: 700;
  color: white;
  letter-spacing: 2px;
  margin-bottom: 20px;
}

.bank-card-number {
  font-family: "Courier New", monospace;
  font-size: var(--font-size-xl);
  color: white;
  letter-spacing: 3px;
  margin-bottom: 20px;
}

.bank-card-footer {
  display: flex;
  justify-content: space-between;
}

.card-holder,
.card-expiry {
  display: flex;
  flex-direction: column;
}

.card-label {
  font-size: 10px;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  margin-bottom: 4px;
}

.card-value {
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  color: white;
  letter-spacing: 1px;
}

/* Floating Cards */
.hero-floating-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(14px);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 14px;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 22px 45px -14px rgba(0, 0, 0, 0.5);
  z-index: 10;
  transition: box-shadow 0.3s ease;
}

.hero-floating-card:hover {
  box-shadow: 0 26px 55px -14px rgba(0, 0, 0, 0.6);
}

.card-balance {
  top: -22px;
  right: -22px;
}

.card-transfer {
  bottom: 96px;
  left: -32px;
}

.card-secure {
  bottom: -22px;
  right: 36px;
}

@media (max-width: 576px) {
  .card-balance {
    top: -16px;
    right: -8px;
  }

  .card-transfer {
    bottom: 68px;
    left: -8px;
  }

  .card-secure {
    bottom: -16px;
    right: 10px;
  }
}

/* Keep the floating cards clear of the viewport edge on narrow desktop layouts */
@media (min-width: 992px) and (max-width: 1199px) {
  .card-balance {
    right: -10px;
  }
}

.floating-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--color-bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}

.floating-icon svg {
  width: 20px;
  height: 20px;
}

.floating-icon.success {
  background: rgba(16, 185, 129, 0.1);
  color: var(--color-success);
}

.floating-icon.secure {
  background: rgba(1020, 30600, 22185, 0.1);
  color: var(--color-primary);
}

.floating-content {
  display: flex;
  flex-direction: column;
}

.floating-label {
  font-size: 11px;
  line-height: 1.3;
  color: var(--color-text-light);
}

.floating-value {
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 600;
  line-height: 1.3;
  color: var(--color-text);
}

/* ===================================
   HERO RESPONSIVE
   =================================== */
@media (max-width: 991px) {
  .hero-advanced-content {
    max-width: 42rem;
  }

  .hero-advanced-visual {
    margin-top: var(--spacing-md);
  }

  .hero-stats-bar {
    justify-content: space-between;
    gap: var(--spacing-lg);
  }

  .trust-action {
    margin-left: 0;
  }
}

@media (max-width: 767px) {
  .hero-advanced {
    padding-top: calc(var(--header-height) + 40px);
    padding-bottom: 44px;
  }

  .hero-bg-grid {
    background-size: 42px 42px;
  }

  .hero-image-wrapper {
    max-width: 440px;
  }

  .hero-image-wrapper::before {
    top: 14px;
    right: -12px;
    bottom: -14px;
    left: 14px;
    border-radius: 22px;
  }

  .hero-main-image,
  .hero-main-video,
  .hero-image-sheen {
    border-radius: 22px;
  }

  .hero-stats-bar {
    padding: 18px 20px;
    gap: var(--spacing-md);
  }

  .hero-floating-card {
    padding: 11px 13px;
    gap: 10px;
    border-radius: 12px;
  }

  .floating-icon {
    width: 32px;
    height: 32px;
    border-radius: 9px;
  }

  .floating-icon svg {
    width: 16px;
    height: 16px;
  }

  .floating-label {
    font-size: 10px;
  }

  .floating-value {
    font-size: 12px;
  }
}

@media (max-width: 575px) {
  .hero-stats-bar {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: var(--spacing-md);
  }

  .trust-action {
    grid-column: 1 / -1;
    margin-left: 0;
    padding-top: var(--spacing-md);
    border-top: 1px solid rgba(255, 255, 255, 0.12);
  }
}

@media (max-width: 480px) {
  .hero-highlight {
    font-size: 0.8rem;
    padding: 6px 12px;
  }

  .card-secure {
    display: none;
  }
}

/* ===================================
   WHY US SECTION
   =================================== */
.why-us {
  position: relative;
  background: var(--color-bg-light);
  overflow: hidden;
}

/* Soft brand glows so the band does not read as flat grey */
.why-us::before,
.why-us::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.why-us::before {
  top: -140px;
  right: -90px;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle, rgba(4080, 47175, 32895, 0.12) 0%, transparent 68%);
}

.why-us::after {
  bottom: -150px;
  left: -110px;
  width: 380px;
  height: 380px;
  background: radial-gradient(circle, rgba(3315, 37740, 34680, 0.1) 0%, transparent 68%);
}

.why-us .container {
  position: relative;
  z-index: 1;
}

/* Small label that sits above a section title */
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: var(--spacing-md);
  padding: 6px 14px;
  border-radius: 50px;
  background: rgba(4080, 47175, 32895, 0.08);
  border: 1px solid rgba(4080, 47175, 32895, 0.16);
  font-family: var(--font-heading);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--color-primary);
}

.eyebrow-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--color-primary-light);
  box-shadow: 0 0 0 4px rgba(4080, 47175, 32895, 0.14);
}

/* Eyebrow on dark bands */
.section-eyebrow-light {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.22);
  color: rgba(255, 255, 255, 0.92);
}

.section-eyebrow-light .eyebrow-dot {
  background: #9fffd2;
  box-shadow: 0 0 0 4px rgba(159, 255, 210, 0.18);
}

.why-us-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 640px) {
  .why-us-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .why-us-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }
}

.why-card {
  position: relative;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  padding: var(--spacing-xl) var(--spacing-xl) var(--spacing-lg);
  background: linear-gradient(180deg, #ffffff 0%, #fbfffd 100%);
  border: 1px solid var(--color-border);
  border-radius: 16px;
  text-align: left;
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
}

/* Accent bar that draws in from the left */
.why-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-accent), var(--color-primary-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

/* Corner glow */
.why-card::after {
  content: "";
  position: absolute;
  top: -60px;
  right: -60px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(4080, 47175, 32895, 0.12) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
  pointer-events: none;
}

.why-card:hover {
  transform: translateY(-6px);
  border-color: rgba(4080, 47175, 32895, 0.4);
  box-shadow: 0 26px 50px -26px rgba(1020, 30600, 22185, 0.45);
}

.why-card:hover::before {
  transform: scaleX(1);
}

.why-card:hover::after {
  opacity: 1;
}

.why-card-icon {
  position: relative;
  z-index: 1;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--spacing-lg);
  border-radius: 16px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  color: white;
  box-shadow: 0 12px 24px -12px rgba(4080, 47175, 32895, 0.85), inset 0 1px 0 rgba(255, 255, 255, 0.3);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.why-card:hover .why-card-icon {
  transform: translateY(-2px) scale(1.06) rotate(-3deg);
  box-shadow: 0 18px 32px -12px rgba(4080, 47175, 32895, 0.95), inset 0 1px 0 rgba(255, 255, 255, 0.3);
}

.why-card-icon svg {
  width: 26px;
  height: 26px;
}

/* Faint index number in the corner */
.why-card-index {
  position: absolute;
  top: 18px;
  right: 22px;
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 800;
  line-height: 1;
  color: rgba(1020, 30600, 22185, 0.07);
  transition: color 0.35s ease;
  pointer-events: none;
}

.why-card:hover .why-card-index {
  color: rgba(1020, 30600, 22185, 0.14);
}

.why-card-title {
  position: relative;
  z-index: 1;
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  margin-bottom: 10px;
}

.why-card-desc {
  position: relative;
  z-index: 1;
  font-size: 0.925rem;
  line-height: 1.65;
  color: var(--color-text-light);
}

@media (max-width: 480px) {
  .why-card {
    padding: var(--spacing-lg);
  }

  .why-card-icon {
    width: 50px;
    height: 50px;
    border-radius: 14px;
  }

  .why-card-icon svg {
    width: 22px;
    height: 22px;
  }

  .why-card-index {
    font-size: 1.9rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .why-card,
  .why-card::before,
  .why-card::after,
  .why-card-icon,
  .why-card-index {
    transition: none;
  }

  .why-card:hover,
  .why-card:hover .why-card-icon {
    transform: none;
  }
}

/* ===================================
   ABOUT US SECTION
   =================================== */
.about-us {
  position: relative;
  overflow: hidden;
}

/* Ambient brand wash so the white band does not read as empty */
.about-us::before {
  content: "";
  position: absolute;
  top: -180px;
  left: -140px;
  width: 460px;
  height: 460px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(4080, 47175, 32895, 0.1) 0%, transparent 68%);
  pointer-events: none;
}

.about-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
  align-items: center;
}

@media (min-width: 992px) {
  .about-grid {
    grid-template-columns: 1.05fr 1fr;
    gap: var(--spacing-3xl);
  }
}

/* Layered image: offset outline frame and soft glow sit behind the photo */
.about-image {
  position: relative;
}

.about-image::before {
  content: "";
  position: absolute;
  inset: 20px -20px -20px 20px;
  border: 2px solid rgba(4080, 47175, 32895, 0.22);
  border-radius: 24px;
  z-index: -1;
  pointer-events: none;
}

.about-image::after {
  content: "";
  position: absolute;
  inset: 6% -8% -12% -10%;
  border-radius: 50%;
  background: radial-gradient(circle at 40% 45%, rgba(3315, 37740, 34680, 0.16) 0%, transparent 66%);
  z-index: -2;
  pointer-events: none;
}

.about-image img {
  width: 100%;
  height: auto;
  aspect-ratio: 6 / 5;
  object-fit: cover;
  border-radius: 20px;
  box-shadow: 0 34px 64px -34px rgba(0, 102, 54, 0.55), 0 0 0 1px rgba(10, 40, 26, 0.05);
}

/* Floating stat card over the photo corner */
.about-experience {
  position: absolute;
  bottom: -28px;
  right: 24px;
  padding: 16px 22px;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid rgba(4080, 47175, 32895, 0.16);
  box-shadow: 0 26px 50px -24px rgba(0, 102, 54, 0.5);
  text-align: left;
}

.experience-number {
  display: block;
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  line-height: 1;
  letter-spacing: -0.02em;
  background: linear-gradient(120deg, var(--color-primary) 0%, var(--color-accent) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

.experience-text {
  display: block;
  margin-top: 6px;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-text-light);
}

.about-content .section-title {
  text-align: left;
  font-size: clamp(1.75rem, 1.15rem + 1.7vw, 2.4rem);
  letter-spacing: -0.02em;
  margin-bottom: var(--spacing-md);
}

.about-lead {
  font-size: var(--font-size-lg);
  font-weight: 600;
  line-height: 1.6;
  color: var(--color-text);
  margin-bottom: var(--spacing-md);
}

.about-desc {
  color: var(--color-text-light);
  line-height: 1.75;
  margin-bottom: var(--spacing-xl);
  max-width: 38rem;
}

/* Features read as separated rows rather than a loose stack */
.about-features {
  margin-bottom: var(--spacing-xl);
}

.about-feature {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-md);
  padding: 16px 0;
  border-bottom: 1px solid rgba(10, 40, 26, 0.07);
}

.about-feature:first-child {
  padding-top: 0;
}

.about-feature:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.about-feature-icon {
  flex-shrink: 0;
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  background: linear-gradient(135deg, #eafff5, #dbffee);
  color: var(--color-primary);
  box-shadow: inset 0 0 0 1px rgba(4080, 47175, 32895, 0.12);
  transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease, box-shadow 0.3s ease;
}

.about-feature:hover .about-feature-icon {
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  color: white;
  transform: translateY(-2px) scale(1.04);
  box-shadow: 0 14px 24px -12px rgba(4080, 47175, 32895, 0.9), inset 0 1px 0 rgba(255, 255, 255, 0.35);
}

.about-feature-icon svg {
  width: 22px;
  height: 22px;
}

.about-feature-text h4 {
  font-size: var(--font-size-base);
  font-weight: 600;
  letter-spacing: -0.01em;
  margin-bottom: 4px;
}

.about-feature-text p {
  font-size: var(--font-size-sm);
  line-height: 1.6;
  color: var(--color-text-light);
}

.about-content .btn {
  box-shadow: 0 16px 28px -18px rgba(4080, 47175, 32895, 0.8);
}

.about-content .btn:hover {
  box-shadow: 0 22px 36px -18px rgba(4080, 47175, 32895, 0.9);
}

@media (max-width: 991px) {
  .about-grid {
    /* Extra room so the floating badge clears the text column */
    gap: 4rem;
  }

  .about-image {
    max-width: 520px;
    margin: 0 auto;
  }

  .about-experience {
    right: 16px;
    bottom: -22px;
  }
}

@media (max-width: 480px) {
  .about-experience {
    padding: 13px 18px;
  }

  .experience-number {
    font-size: 1.625rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .about-feature-icon,
  .about-content .btn {
    transition: none;
  }

  .about-feature:hover .about-feature-icon {
    transform: none;
  }
}

/* ===================================
   JOURNEY SECTION
   =================================== */
.journey {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 420px at 8% -12%, rgba(4080, 47175, 32895, 0.5) 0%, transparent 65%),
    radial-gradient(760px 400px at 92% 6%, rgba(3315, 37740, 34680, 0.38) 0%, transparent 62%),
    linear-gradient(145deg, #012f1a 0%, #065e35 52%, var(--color-primary-dark) 100%);
}

/* Faint blueprint grid that fades out well before the cards */
.journey::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, 0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.06) 1px, transparent 1px);
  background-size: 72px 72px;
  -webkit-mask-image: radial-gradient(820px 400px at 50% -6%, #000 0%, transparent 76%);
  mask-image: radial-gradient(820px 400px at 50% -6%, #000 0%, transparent 76%);
  pointer-events: none;
}

/* Hairline highlight along the top edge */
.journey::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
  pointer-events: none;
}

.journey .container {
  position: relative;
  z-index: 1;
}

@media (min-width: 992px) {
  .journey {
    padding: 5rem 0;
  }
}

.journey-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .journey-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .journey-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
  }
}

.journey-card {
  position: relative;
  overflow: hidden;
  padding: var(--spacing-xl) var(--spacing-lg);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 16px;
  background: linear-gradient(
    160deg,
    rgba(255, 255, 255, 0.14) 0%,
    rgba(255, 255, 255, 0.06) 55%,
    rgba(255, 255, 255, 0.03) 100%
  );
  backdrop-filter: blur(14px);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22), 0 18px 40px -26px rgba(0, 0, 0, 0.7);
  transition: transform 0.35s ease, border-color 0.35s ease, box-shadow 0.35s ease, background 0.35s ease;
}

/* Accent bar that draws in from the left */
.journey-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, #7cffc2, var(--color-accent));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}

/* Corner glow */
.journey-card::after {
  content: "";
  position: absolute;
  top: -70px;
  right: -70px;
  width: 190px;
  height: 190px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(124, 255, 194, 0.3) 0%, transparent 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
  pointer-events: none;
}

.journey-card:hover {
  transform: translateY(-6px);
  border-color: rgba(124, 255, 194, 0.45);
  background: linear-gradient(
    160deg,
    rgba(255, 255, 255, 0.2) 0%,
    rgba(255, 255, 255, 0.09) 60%,
    rgba(255, 255, 255, 0.04) 100%
  );
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.3), 0 30px 56px -28px rgba(0, 0, 0, 0.8);
}

.journey-card:hover::before {
  transform: scaleX(1);
}

.journey-card:hover::after {
  opacity: 1;
}

.journey-card-head {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-lg);
}

.journey-icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 15px;
  background: linear-gradient(135deg, #9fffd2, var(--color-accent));
  color: #04522e;
  box-shadow: 0 14px 26px -14px rgba(124, 255, 194, 0.9), inset 0 1px 0 rgba(255, 255, 255, 0.55);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}

.journey-card:hover .journey-icon {
  transform: translateY(-2px) scale(1.06) rotate(-3deg);
  box-shadow: 0 20px 34px -14px rgba(124, 255, 194, 1), inset 0 1px 0 rgba(255, 255, 255, 0.55);
}

.journey-icon svg {
  width: 26px;
  height: 26px;
}

.journey-index {
  font-family: var(--font-heading);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  color: rgba(255, 255, 255, 0.38);
}

.journey-number {
  position: relative;
  z-index: 1;
  display: block;
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
  margin-bottom: var(--spacing-sm);
  background: linear-gradient(180deg, #ffffff 0%, #cfffe9 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

.journey-label {
  position: relative;
  z-index: 1;
  display: block;
  font-family: var(--font-heading);
  font-size: var(--font-size-base);
  font-weight: 600;
  color: #ffffff;
  margin-bottom: 6px;
}

.journey-note {
  position: relative;
  z-index: 1;
  font-size: var(--font-size-sm);
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.68);
}

@media (max-width: 480px) {
  .journey-card {
    padding: var(--spacing-lg);
  }

  .journey-number {
    font-size: 2.125rem;
  }
}

@media (prefers-reduced-motion: reduce) {
  .journey-card,
  .journey-card::before,
  .journey-card::after,
  .journey-icon {
    transition: none;
  }

  .journey-card:hover,
  .journey-card:hover .journey-icon {
    transform: none;
  }
}

/* ===================================
   SERVICES SECTION
   =================================== */
.services-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .services-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.service-card {
  background: white;
  border-radius: var(--border-radius);
  padding: var(--spacing-xl);
  text-align: center;
  border: 1px solid var(--color-border);
  transition: all 0.3s ease;
}

.service-card:hover {
  border-color: var(--color-primary-light);
  box-shadow: 0 10px 30px rgba(1020, 30600, 22185, 0.1);
  transform: translateY(-5px);
}

.service-icon {
  width: 70px;
  height: 70px;
  background: var(--color-bg-light);
  border-radius: var(--border-radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--spacing-md);
  color: var(--color-primary);
  transition: all 0.3s ease;
}

.service-card:hover .service-icon {
  background: var(--color-primary);
  color: white;
}

.service-icon svg {
  width: 32px;
  height: 32px;
}

.service-title {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.service-desc {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  margin-bottom: var(--spacing-md);
  line-height: 1.6;
}

.service-link {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-primary);
  transition: color 0.3s ease;
}

.service-link:hover {
  color: var(--color-primary-dark);
}

/* ===================================
   SAVE & EARN SECTION
   =================================== */
.save-earn {
  position: relative;
  overflow: hidden;
  background: linear-gradient(180deg, #ffffff 0%, #f2fff9 55%, #eafff5 100%);
}

/* Soft accent washes in the corners */
.save-earn::before,
.save-earn::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.save-earn::before {
  top: -120px;
  right: -120px;
  width: 420px;
  height: 420px;
  background: radial-gradient(circle, rgba(3315, 37740, 34680, 0.16) 0%, transparent 68%);
}

.save-earn::after {
  bottom: -140px;
  left: -100px;
  width: 360px;
  height: 360px;
  background: radial-gradient(circle, rgba(4080, 47175, 32895, 0.14) 0%, transparent 68%);
}

.save-earn .container {
  position: relative;
  z-index: 1;
}

.save-earn-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
}

@media (min-width: 992px) {
  .save-earn-grid {
    grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
    gap: var(--spacing-3xl);
    align-items: center;
  }
}

/* Deep navy panel that carries the section's message */
.save-earn-panel {
  position: relative;
  padding: clamp(28px, 4vw, 44px);
  border-radius: 24px;
  background:
    radial-gradient(120% 120% at 100% 0%, rgba(3315, 37740, 34680, 0.35) 0%, transparent 55%),
    linear-gradient(155deg, var(--color-primary-dark) 0%, #004b28 60%, #005c31 100%);
  box-shadow: 0 40px 70px -34px rgba(1530, 24225, 17850, 0.6);
  overflow: hidden;
}

/* Decorative ring, keeps the panel from reading as a flat block */
.save-earn-panel::after {
  content: "";
  position: absolute;
  right: -70px;
  bottom: -90px;
  width: 240px;
  height: 240px;
  border-radius: 50%;
  border: 1px solid rgba(127, 255, 212, 0.18);
  pointer-events: none;
}

.save-earn-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: var(--spacing-lg);
  padding: 6px 14px 6px 10px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  font-family: var(--font-heading);
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: #7fffd4;
}

.save-earn-eyebrow::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #7fffd4;
  box-shadow: 0 0 0 4px rgba(127, 255, 212, 0.18);
}

.save-earn-title {
  color: #ffffff;
  margin-bottom: var(--spacing-md);
}

.save-earn-desc {
  font-size: 1rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: var(--spacing-lg);
}

.save-earn-points {
  display: grid;
  gap: 12px;
  margin-bottom: var(--spacing-xl);
}

.save-earn-points li {
  position: relative;
  padding-left: 34px;
  font-size: 0.925rem;
  color: rgba(255, 255, 255, 0.9);
}

.save-earn-points li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0;
  width: 22px;
  height: 22px;
  border-radius: 7px;
  background: rgba(127, 255, 212, 0.14);
  border: 1px solid rgba(127, 255, 212, 0.3);
}

.save-earn-points li::after {
  content: "";
  position: absolute;
  left: 7px;
  top: 7px;
  width: 8px;
  height: 4px;
  border-left: 2px solid #7fffd4;
  border-bottom: 2px solid #7fffd4;
  transform: rotate(-45deg);
}

/* Light button so it stands out against the navy panel */
.save-earn-cta {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--color-primary-dark);
  box-shadow: 0 16px 34px -16px rgba(0, 0, 0, 0.7);
}

.save-earn-cta:hover {
  background: #e6fff3;
  border-color: #e6fff3;
  color: var(--color-primary-dark);
  box-shadow: 0 20px 40px -16px rgba(0, 0, 0, 0.8);
}

.save-earn-cta svg {
  transition: transform 0.3s ease;
}

.save-earn-cta:hover svg {
  transform: translateX(4px);
}

/* Horizontal feature rows */
.save-earn-cards {
  display: grid;
  gap: 14px;
}

.save-earn-card {
  position: relative;
  display: grid;
  grid-template-columns: auto minmax(0, 1fr) auto;
  align-items: center;
  gap: var(--spacing-md);
  padding: 20px 22px;
  border-radius: 18px;
  background: #ffffff;
  border: 1px solid rgba(1020, 30600, 22185, 0.1);
  box-shadow: 0 16px 34px -26px rgba(1530, 24225, 17850, 0.45);
  overflow: hidden;
  transition: transform 0.32s ease, box-shadow 0.32s ease, border-color 0.32s ease;
}

/* Accent rail that grows from the middle on hover */
.save-earn-card::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  width: 3px;
  height: 0;
  transform: translateY(-50%);
  border-radius: 0 3px 3px 0;
  background: linear-gradient(180deg, var(--color-accent), var(--color-primary-light));
  transition: height 0.32s ease;
}

.save-earn-card:hover {
  transform: translateX(5px);
  border-color: rgba(4080, 47175, 32895, 0.35);
  box-shadow: 0 26px 48px -26px rgba(1530, 24225, 17850, 0.5);
}

.save-earn-card:hover::before {
  height: 65%;
}

.save-earn-card-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  color: #ffffff;
  box-shadow: 0 12px 24px -12px rgba(4080, 47175, 32895, 0.9);
  transition: transform 0.32s ease;
}

.save-earn-card-icon svg {
  width: 22px;
  height: 22px;
}

.save-earn-card:hover .save-earn-card-icon {
  transform: scale(1.06) rotate(-4deg);
}

.save-earn-card-body {
  min-width: 0;
}

.save-earn-card-title {
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.save-earn-card-rate {
  margin-top: 2px;
  font-size: 0.85rem;
  color: var(--color-text-light);
}

/* Bullets rendered as compact pills */
.save-earn-card-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 12px;
}

.save-earn-card-list li {
  position: relative;
  padding: 5px 12px 5px 26px;
  border-radius: 999px;
  background: rgba(1020, 30600, 22185, 0.06);
  border: 1px solid rgba(1020, 30600, 22185, 0.1);
  font-size: 0.775rem;
  color: var(--color-text-light);
  transition: background 0.3s ease, color 0.3s ease;
}

.save-earn-card-list li::before {
  content: "";
  position: absolute;
  left: 12px;
  top: 0;
  bottom: 0;
  margin: auto;
  width: 7px;
  height: 4px;
  border-left: 1.5px solid var(--color-success);
  border-bottom: 1.5px solid var(--color-success);
  transform: rotate(-45deg);
}

.save-earn-card:hover .save-earn-card-list li {
  background: rgba(1020, 30600, 22185, 0.1);
  color: var(--color-text);
}

.save-earn-card-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  flex-shrink: 0;
  padding: 9px 15px;
  border-radius: 999px;
  background: rgba(4080, 47175, 32895, 0.08);
  border: 1px solid rgba(4080, 47175, 32895, 0.2);
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  white-space: nowrap;
  color: var(--color-primary);
  transition: background 0.3s ease, color 0.3s ease, border-color 0.3s ease;
}

.save-earn-card-link svg {
  width: 14px;
  height: 14px;
  transition: transform 0.3s ease;
}

.save-earn-card-link:hover {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #ffffff;
}

.save-earn-card-link:hover svg {
  transform: translateX(3px);
}

@media (max-width: 991px) {
  .save-earn-grid {
    gap: var(--spacing-xl);
  }
}

@media (max-width: 640px) {
  .save-earn-panel {
    padding: 26px 22px;
    border-radius: 20px;
  }

  /* Rows become a two-column block with the link underneath */
  .save-earn-card {
    grid-template-columns: auto minmax(0, 1fr);
    align-items: start;
    gap: 14px;
    padding: 18px;
  }

  .save-earn-card-icon {
    width: 42px;
    height: 42px;
    border-radius: 12px;
  }

  .save-earn-card-link {
    grid-column: 2;
    justify-self: start;
  }
}

@media (prefers-reduced-motion: reduce) {
  .save-earn-card,
  .save-earn-card::before,
  .save-earn-card-icon,
  .save-earn-card-list li,
  .save-earn-card-link svg,
  .save-earn-cta svg {
    transition: none;
  }

  .save-earn-card:hover,
  .save-earn-card:hover .save-earn-card-icon,
  .save-earn-card-link:hover svg,
  .save-earn-cta:hover svg {
    transform: none;
  }
}

/* ===================================
   FAQ SECTION
   =================================== */
.faq {
  background: var(--color-bg-light);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-md);
}

.faq-item {
  background: white;
  border-radius: var(--border-radius);
  border: 1px solid var(--color-border);
  overflow: hidden;
  transition: all 0.3s ease;
}

.faq-item:hover {
  border-color: var(--color-primary-light);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--spacing-lg);
  background: none;
  border: none;
  font-family: var(--font-heading);
  font-size: var(--font-size-base);
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  color: var(--color-text);
  transition: color 0.3s ease;
}

.faq-question:hover {
  color: var(--color-primary);
}

.faq-icon {
  width: 20px;
  height: 20px;
  color: var(--color-primary);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-question[aria-expanded="true"] .faq-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 var(--spacing-lg) var(--spacing-lg);
}

.faq-answer p {
  color: var(--color-text-light);
  line-height: 1.7;
}

/* ===================================
   TRUST SECTION
   =================================== */
.trust-section {
  background: white;
}

.trust-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
  margin-bottom: var(--spacing-2xl);
}

@media (min-width: 576px) {
  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .trust-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trust-card {
  text-align: center;
  padding: var(--spacing-xl);
  background: var(--color-bg-light);
  border-radius: var(--border-radius);
  transition: all 0.3s ease;
}

.trust-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(1020, 30600, 22185, 0.1);
}

.trust-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--spacing-md);
  color: white;
}

.trust-icon svg {
  width: 28px;
  height: 28px;
}

.trust-card h3 {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.trust-card p {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.6;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--spacing-lg);
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  padding: var(--spacing-sm) var(--spacing-md);
  background: var(--color-bg-light);
  border-radius: 50px;
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text);
  transition: all 0.3s ease;
}

.trust-badge:hover {
  background: var(--color-primary);
  color: white;
}

.trust-badge svg {
  width: 18px;
  height: 18px;
}

/* ===================================
   BANKING SOLUTIONS SECTION
   =================================== */
.banking-solutions {
  background: var(--color-bg-light);
}

.banking-solutions-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
  align-items: center;
}

@media (min-width: 992px) {
  .banking-solutions-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.banking-solutions-content .section-title {
  text-align: left;
}

.banking-lead {
  font-size: var(--font-size-lg);
  color: var(--color-text-light);
  margin-bottom: var(--spacing-xl);
  line-height: 1.7;
}

.banking-features {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
  margin-bottom: var(--spacing-xl);
}

.banking-feature {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-md);
}

.banking-feature-icon {
  width: 50px;
  height: 50px;
  background: white;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--color-primary);
  box-shadow: 0 4px 15px rgba(1020, 30600, 22185, 0.1);
  transition: all 0.3s ease;
}

.banking-feature:hover .banking-feature-icon {
  background: var(--color-primary);
  color: white;
}

.banking-feature-icon svg {
  width: 24px;
  height: 24px;
}

.banking-feature-text h4 {
  font-size: var(--font-size-base);
  font-weight: 600;
  margin-bottom: 4px;
}

.banking-feature-text p {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.6;
}

.banking-solutions-image {
  position: relative;
}

.banking-solutions-image img {
  border-radius: var(--radius-lg);
  width: 100%;
  height: auto;
  object-fit: cover;
}

.banking-stats {
  position: absolute;
  bottom: -20px;
  left: 20px;
  right: 20px;
  background: white;
  border-radius: var(--radius-md);
  padding: var(--spacing-lg);
  display: flex;
  justify-content: space-around;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
}

.banking-stat {
  text-align: center;
}

.stat-number {
  display: block;
  font-family: var(--font-heading);
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--color-primary);
}

.stat-label {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
}

/* ===================================
   FINANCIAL PRODUCTS SECTION
   =================================== */
.financial-products {
  background: white;
}

.products-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 768px) {
  .products-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.product-card {
  background: var(--color-bg-light);
  border-radius: var(--radius-lg);
  padding: var(--spacing-xl);
  transition: all 0.3s ease;
  border: 1px solid transparent;
}

.product-card:hover {
  background: white;
  border-color: var(--color-primary-light);
  box-shadow: 0 15px 40px rgba(1020, 30600, 22185, 0.1);
  transform: translateY(-5px);
}

.product-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--spacing-md);
  color: white;
}

.product-icon svg {
  width: 28px;
  height: 28px;
}

.product-card h3 {
  font-size: var(--font-size-xl);
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.product-card p {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.6;
  margin-bottom: var(--spacing-md);
}

.product-features {
  list-style: none;
}

.product-features li {
  position: relative;
  padding-left: 20px;
  font-size: var(--font-size-sm);
  color: var(--color-text);
  margin-bottom: 8px;
}

.product-features li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--color-success);
  font-weight: bold;
}

/* ===================================
   DIGITAL BANKING SECTION
   =================================== */
/* Brighter, app-forward band so it reads as distinct from the deep navy bands */
.digital-banking {
  position: relative;
  overflow: hidden;
  color: white;
  background:
    radial-gradient(900px 520px at 88% -12%, rgba(0, 255, 170, 0.34) 0%, transparent 62%),
    radial-gradient(720px 520px at 2% 112%, rgba(83, 255, 175, 0.42) 0%, transparent 60%),
    linear-gradient(125deg, #065f46 0%, var(--color-primary) 46%, #0f766e 100%);
}

/* Diagonal sheen sweeping across the band */
.digital-banking::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, transparent 32%, rgba(255, 255, 255, 0.09) 47%, transparent 62%);
  pointer-events: none;
}

/* Hairline highlight along the top edge */
.digital-banking::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.45), transparent);
  pointer-events: none;
}

.digital-banking .container {
  position: relative;
  z-index: 1;
}

@media (min-width: 992px) {
  .digital-banking {
    padding: 5rem 0;
  }
}

.digital-banking-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
  align-items: center;
}

@media (min-width: 992px) {
  .digital-banking-grid {
    grid-template-columns: 1fr 1.05fr;
    gap: var(--spacing-3xl);
  }
}

/* Phone Mockup */
.phone-mockup {
  position: relative;
  max-width: 296px;
  margin: 0 auto;
  padding: 10px;
  border-radius: 42px;
  background: linear-gradient(160deg, #163f2c 0%, #05180f 100%);
  box-shadow: 0 40px 70px -26px rgba(0, 32, 17, 0.85), inset 0 0 0 1px rgba(255, 255, 255, 0.14);
}

/* Cyan halo that sits behind the device */
.phone-mockup::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 130%;
  height: 118%;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  background: radial-gradient(circle at 50% 50%, rgba(0, 255, 170, 0.42) 0%, transparent 68%);
  z-index: -1;
  pointer-events: none;
}

/* Orbit ring around the device */
.phone-mockup::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 122%;
  height: 108%;
  transform: translate(-50%, -50%);
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.2);
  z-index: -1;
  pointer-events: none;
}

.phone-screen {
  position: relative;
  background: #ffffff;
  border-radius: 33px;
  padding: 36px 18px 18px;
  color: var(--color-text);
  overflow: hidden;
}

/* Notch */
.phone-screen::before {
  content: "";
  position: absolute;
  top: 8px;
  left: 50%;
  transform: translateX(-50%);
  width: 74px;
  height: 20px;
  border-radius: 50px;
  background: #05180f;
  z-index: 2;
}

/* Home indicator */
.phone-screen::after {
  content: "";
  display: block;
  width: 92px;
  height: 4px;
  margin: 14px auto 0;
  border-radius: 50px;
  background: rgba(10, 40, 26, 0.22);
}

.app-header {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, var(--color-primary-light) 0%, var(--color-primary) 55%, #0f766e 100%);
  border-radius: 18px;
  padding: 18px;
  color: white;
  margin-bottom: 18px;
  box-shadow: 0 16px 28px -18px rgba(1020, 30600, 22185, 0.9);
}

.app-header::after {
  content: "";
  position: absolute;
  top: -60px;
  right: -50px;
  width: 150px;
  height: 150px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.35) 0%, transparent 70%);
  pointer-events: none;
}

.app-greeting {
  position: relative;
  z-index: 1;
  display: block;
  font-family: var(--font-heading);
  font-size: 0.8125rem;
  font-weight: 600;
  opacity: 0.95;
  margin-bottom: 6px;
}

.app-balance-label {
  position: relative;
  z-index: 1;
  display: block;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  opacity: 0.75;
  margin-bottom: 2px;
}

.app-balance {
  position: relative;
  z-index: 1;
  display: block;
  font-family: var(--font-heading);
  font-size: var(--font-size-2xl);
  font-weight: 700;
  letter-spacing: -0.01em;
}

.app-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-bottom: 18px;
}

.app-action {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.action-icon {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 14px;
  background: linear-gradient(180deg, #eefff7, #dffff0);
  color: var(--color-primary);
  box-shadow: inset 0 0 0 1px rgba(4080, 47175, 32895, 0.12);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.app-action:hover .action-icon {
  transform: translateY(-2px);
  box-shadow: inset 0 0 0 1px rgba(4080, 47175, 32895, 0.25), 0 8px 16px -8px rgba(4080, 47175, 32895, 0.6);
}

.action-icon svg {
  width: 18px;
  height: 18px;
}

.app-action span {
  font-size: 10px;
  font-weight: 600;
  color: var(--color-text-light);
}

.app-transactions {
  background: #f4fffa;
  border: 1px solid rgba(4080, 47175, 32895, 0.08);
  border-radius: 16px;
  padding: 14px;
}

.transactions-title {
  display: block;
  font-family: var(--font-heading);
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-text-light);
  margin-bottom: 10px;
}

.transaction-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 0;
  border-bottom: 1px solid rgba(10, 40, 26, 0.07);
}

.transaction-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.transaction-icon {
  flex-shrink: 0;
  width: 34px;
  height: 34px;
  border-radius: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.transaction-icon.grocery {
  background: rgba(239, 68, 68, 0.1);
  color: #ef4444;
}

.transaction-icon.salary {
  background: rgba(16, 185, 129, 0.12);
  color: var(--color-success);
}

.transaction-icon svg {
  width: 16px;
  height: 16px;
}

.transaction-info {
  flex: 1;
  min-width: 0;
}

.transaction-name {
  display: block;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: -0.01em;
}

.transaction-date {
  display: block;
  font-size: 10px;
  color: var(--color-text-light);
}

.transaction-amount {
  flex-shrink: 0;
  font-family: var(--font-heading);
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 4px 9px;
  border-radius: 50px;
}

.transaction-amount.negative {
  color: #b91c1c;
  background: rgba(239, 68, 68, 0.12);
}

.transaction-amount.positive {
  color: #047857;
  background: rgba(16, 185, 129, 0.16);
}

/* Digital Banking Content */
.digital-banking-content .section-title {
  text-align: left;
  color: white;
  font-size: clamp(1.75rem, 1.15rem + 1.7vw, 2.4rem);
  letter-spacing: -0.02em;
  text-wrap: balance;
  margin-bottom: var(--spacing-md);
}

.digital-title-accent {
  background: linear-gradient(90deg, #8effd9 0%, #b9ffe8 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  -webkit-box-decoration-break: clone;
  box-decoration-break: clone;
}

.digital-lead {
  font-size: var(--font-size-lg);
  color: rgba(255, 255, 255, 0.86);
  margin-bottom: var(--spacing-xl);
  line-height: 1.7;
  max-width: 34rem;
}

.digital-features {
  display: grid;
  grid-template-columns: 1fr;
  gap: 10px;
  margin-bottom: var(--spacing-xl);
}

/* Two across only while the layout is stacked, so the chips stay readable */
@media (min-width: 576px) and (max-width: 991px) {
  .digital-features {
    grid-template-columns: repeat(2, 1fr);
  }
}

.digital-feature {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 14px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  background: rgba(255, 255, 255, 0.09);
  transition: background 0.3s ease, border-color 0.3s ease, transform 0.3s ease;
}

.digital-feature:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.32);
  transform: translateX(4px);
}

.digital-check {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 9px;
  background: linear-gradient(135deg, #9fffdf, var(--color-accent));
  color: #045c3f;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.5);
}

.digital-check svg {
  width: 15px;
  height: 15px;
}

.digital-feature span {
  font-size: 0.9375rem;
  line-height: 1.45;
  color: rgba(255, 255, 255, 0.95);
}

.app-download-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.app-store-btn {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 11px 18px;
  border-radius: 14px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(12px);
  color: white;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.22);
  transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease, box-shadow 0.3s ease,
    border-color 0.3s ease;
}

.app-store-btn:hover {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--color-primary-dark);
  transform: translateY(-3px);
  box-shadow: 0 18px 32px -18px rgba(0, 32, 17, 0.9);
}

.app-store-btn:focus-visible {
  outline: 2px solid #ffffff;
  outline-offset: 3px;
}

.app-store-btn svg {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
}

.store-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.store-label {
  font-size: 10px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  opacity: 0.8;
}

.store-name {
  font-family: var(--font-heading);
  font-size: 0.9375rem;
  font-weight: 600;
}

@media (max-width: 767px) {
  .digital-banking-grid {
    gap: var(--spacing-xl);
  }

  .phone-mockup {
    max-width: 262px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .digital-feature,
  .action-icon,
  .app-store-btn {
    transition: none;
  }

  .digital-feature:hover,
  .app-store-btn:hover,
  .app-action:hover .action-icon {
    transform: none;
  }
}

/* ===================================
   TRUSTPILOT TESTIMONIALS
   =================================== */
.testimonials {
  background: #0d1e12;
  color: white;
}

.trustpilot-header {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--spacing-md);
  margin-bottom: var(--spacing-lg);
}

.trustpilot-logo {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
}

.trustpilot-star-logo {
  width: 32px;
  height: 32px;
  color: #00b67a;
}

.trustpilot-text {
  font-family: var(--font-heading);
  font-size: var(--font-size-xl);
  font-weight: 700;
}

.trustpilot-rating {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--spacing-sm);
}

.trustpilot-stars {
  display: flex;
  gap: 4px;
}

.trustpilot-star {
  width: 28px;
  height: 28px;
  background: #dce6e1;
  display: flex;
  align-items: center;
  justify-content: center;
}

.trustpilot-star.filled {
  background: #00b67a;
}

.trustpilot-star svg {
  width: 18px;
  height: 18px;
  color: white;
}

.trustpilot-score {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.8);
}

.testimonials .section-title {
  color: white;
}

.testimonials .section-desc {
  color: rgba(255, 255, 255, 0.7);
}

.trustpilot-reviews-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .trustpilot-reviews-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .trustpilot-reviews-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.trustpilot-review-card {
  background: #1a2e1f;
  border-radius: var(--radius-lg);
  padding: var(--spacing-lg);
  transition: all 0.3s ease;
}

.trustpilot-review-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.3);
}

.review-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--spacing-md);
}

.review-stars {
  display: flex;
  gap: 2px;
}

.review-stars svg {
  width: 16px;
  height: 16px;
  color: #00b67a;
}

.review-verified {
  font-size: 11px;
  color: #00b67a;
  background: rgba(0, 182, 122, 0.1);
  padding: 4px 8px;
  border-radius: 4px;
}

.review-title {
  font-size: var(--font-size-base);
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
  color: white;
}

.review-text {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.8);
  line-height: 1.6;
  margin-bottom: var(--spacing-md);
}

.review-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: var(--spacing-md);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.review-author {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
}

/* Updated author-avatar to support both initials and photos */
.author-avatar {
  width: 36px;
  height: 36px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: white;
}

/* Added author photo styles for testimonials */
.author-photo {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid rgba(255, 255, 255, 0.2);
}

.author-info {
  display: flex;
  flex-direction: column;
}

.author-name {
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: white;
}

.review-date {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.5);
}

.review-location {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.5);
}

.trustpilot-footer {
  text-align: center;
  margin-top: var(--spacing-2xl);
}

.trustpilot-footer .btn-outline-light {
  color: white;
  border-color: rgba(255, 255, 255, 0.3);
}

.trustpilot-footer .btn-outline-light:hover {
  background: white;
  color: #0d1e12;
}

/* ===================================
   TEAMS SECTION
   =================================== */
.teams {
  background: white;
}

.teams-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .teams-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .teams-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.team-card {
  background: var(--color-bg-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.3s ease;
}

.team-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 15px 40px rgba(1020, 30600, 22185, 0.1);
}

.team-image {
  position: relative;
  overflow: hidden;
}

.team-image img {
  width: 100%;
  aspect-ratio: 1;
  object-fit: cover;
  transition: transform 0.3s ease;
}

.team-card:hover .team-image img {
  transform: scale(1.05);
}

.team-info {
  padding: var(--spacing-lg);
  text-align: center;
}

.team-name {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: 4px;
}

.team-role {
  font-size: var(--font-size-sm);
  color: var(--color-primary);
  font-weight: 500;
  margin-bottom: var(--spacing-sm);
}

.team-bio {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.5;
  margin-bottom: var(--spacing-md);
}

.team-social {
  display: flex;
  justify-content: center;
  gap: var(--spacing-sm);
}

.team-social a {
  width: 36px;
  height: 36px;
  background: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-light);
  transition: all 0.3s ease;
}

.team-social a:hover {
  background: var(--color-primary);
  color: white;
}

.team-social svg {
  width: 16px;
  height: 16px;
}

/* ===================================
   FOOTER
   =================================== */
.footer {
  background: var(--color-bg-dark);
  color: white;
  padding-top: var(--spacing-3xl);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-xl);
  padding-bottom: var(--spacing-2xl);
}

@media (min-width: 576px) {
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 992px) {
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: var(--spacing-sm);
  margin-bottom: var(--spacing-md);
}

.footer-logo .logo-icon {
  display: block;
  width: 40px;
  height: 32px;
}

.footer-logo .logo-text-wrapper {
  display: flex;
  flex-direction: column;
}

.footer-logo .logo-text {
  font-family: var(--font-heading);
  font-size: var(--font-size-lg);
  font-weight: 700;
  letter-spacing: 1px;
}

.footer-logo .logo-subtext {
  font-size: 11px;
  opacity: 0.7;
  text-transform: uppercase;
  letter-spacing: 2px;
}

.footer-desc {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
  margin-bottom: var(--spacing-lg);
}

.footer-social {
  display: flex;
  gap: var(--spacing-sm);
}

.footer-social a {
  width: 40px;
  height: 40px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  transition: all 0.3s ease;
}

.footer-social a:hover {
  background: var(--color-primary);
  transform: translateY(-3px);
}

.footer-social svg {
  width: 18px;
  height: 18px;
}

.footer-links h4 {
  font-size: var(--font-size-base);
  font-weight: 600;
  margin-bottom: var(--spacing-md);
}

.footer-links ul {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.footer-links a {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.7);
  transition: color 0.3s ease;
}

.footer-links a:hover {
  color: var(--color-accent);
}

.footer-bottom {
  background: rgba(0, 0, 0, 0.2);
  padding: var(--spacing-lg) 0;
}

.footer-bottom-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--spacing-md);
  text-align: center;
}

@media (min-width: 768px) {
  .footer-bottom-content {
    flex-direction: row;
    justify-content: space-between;
  }
}

.footer-bottom p {
  font-size: var(--font-size-sm);
  color: rgba(255, 255, 255, 0.6);
}

.footer-badges {
  display: flex;
  gap: var(--spacing-sm);
}

.footer-badges .badge {
  font-size: 11px;
  padding: 6px 12px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 4px;
  color: rgba(255, 255, 255, 0.8);
}

/* ===================================
   CONTACT PAGE STYLES
   =================================== */
.contact-hero {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  padding: calc(var(--header-height) + 60px) 0 60px;
  text-align: center;
  color: white;
}

.contact-hero-title {
  font-size: var(--font-size-3xl);
  font-weight: 700;
  margin-bottom: var(--spacing-sm);
}

.contact-hero-desc {
  font-size: var(--font-size-lg);
  opacity: 0.9;
}

.contact-section {
  padding: var(--spacing-3xl) 0;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-2xl);
}

@media (min-width: 992px) {
  .contact-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.contact-info-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .contact-info-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.contact-card {
  background: var(--color-bg-light);
  border-radius: var(--radius-lg);
  padding: var(--spacing-xl);
  text-align: center;
  transition: all 0.3s ease;
}

.contact-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 30px rgba(1020, 30600, 22185, 0.1);
}

.contact-card-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--spacing-md);
  color: white;
}

.contact-card-icon svg {
  width: 26px;
  height: 26px;
}

.contact-card h3 {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: var(--spacing-sm);
}

.contact-card p {
  font-size: var(--font-size-sm);
  color: var(--color-text-light);
  line-height: 1.6;
}

.contact-social {
  margin-top: var(--spacing-xl);
}

.contact-social h3 {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-bottom: var(--spacing-md);
}

.social-links {
  display: flex;
  gap: var(--spacing-sm);
}

.social-links a {
  width: 44px;
  height: 44px;
  background: var(--color-bg-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text);
  transition: all 0.3s ease;
}

.social-links a:hover {
  background: var(--color-primary);
  color: white;
}

.social-links svg {
  width: 20px;
  height: 20px;
}

.contact-form-wrapper {
  background: white;
  border-radius: var(--radius-lg);
  padding: var(--spacing-2xl);
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.05);
}

.contact-form-wrapper h2 {
  font-size: var(--font-size-2xl);
  font-weight: 600;
  margin-bottom: var(--spacing-xl);
}

.contact-form {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-lg);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--spacing-lg);
}

@media (min-width: 576px) {
  .form-row {
    grid-template-columns: repeat(2, 1fr);
  }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-sm);
}

.form-group label {
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: var(--color-text);
}

.form-group input,
.form-group textarea,
.form-group select {
  padding: 12px 16px;
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius);
  font-family: var(--font-body);
  font-size: var(--font-size-base);
  transition: all 0.3s ease;
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(4080, 47175, 32895, 0.1);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

/* ===================================
   LEGAL PAGES
   =================================== */
.legal-hero {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  padding: calc(var(--header-height) + 60px) 0 60px;
  text-align: center;
  color: white;
}

.legal-hero-title {
  font-size: var(--font-size-3xl);
  font-weight: 700;
  margin-bottom: var(--spacing-sm);
}

.legal-hero-desc {
  font-size: var(--font-size-base);
  opacity: 0.9;
}

.legal-content {
  padding: var(--spacing-3xl) 0;
}

.legal-content h2 {
  font-size: var(--font-size-xl);
  font-weight: 600;
  margin-top: var(--spacing-xl);
  margin-bottom: var(--spacing-md);
  color: var(--color-text);
}

.legal-content h3 {
  font-size: var(--font-size-lg);
  font-weight: 600;
  margin-top: var(--spacing-lg);
  margin-bottom: var(--spacing-sm);
  color: var(--color-text);
}

.legal-content p {
  color: var(--color-text-light);
  line-height: 1.8;
  margin-bottom: var(--spacing-md);
}

.legal-content ul {
  margin-bottom: var(--spacing-md);
  padding-left: var(--spacing-xl);
}

.legal-content li {
  color: var(--color-text-light);
  line-height: 1.8;
  margin-bottom: var(--spacing-sm);
  list-style: disc;
}