/* Fincare — Logo brand theme */
:root {
  --navy: #0B3B78;
  --navy-light: #1E5AA8;
  --royal-blue: #1E5AA8;
  --royal-blue-dark: #0B3B78;
  --green: #66CC00;
  --green-dark: #3FAE2A;
  --green-light: #8BEA3A;
  --accent: #66CC00;
  --accent-dark: #3FAE2A;
  --red: #66CC00;
  --red-dark: #3FAE2A;
  --danger: #c2410c;
  --mint: #8BEA3A;
  --blue: #1E5AA8;
  --blue-light: #93c5fd;
  --gold: #c9a227;
  --shadow-dark: #2B2B2B;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-400: #94a3b8;
  --gray-600: #475569;
  --gray-800: #1e293b;
  --shadow-sm: 0 2px 8px rgba(11, 59, 120, 0.08);
  --shadow-md: 0 8px 24px rgba(11, 59, 120, 0.1);
  --shadow-lg: 0 16px 40px rgba(43, 43, 43, 0.12);
  --radius: 12px;
  --radius-sm: 8px;
  --radius-lg: 16px;
  --font: 'Roboto', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;
  --header-h: 64px;
  --bank-header-h: 140px;
  --bottom-nav-h: 72px;
  --section-pad: clamp(1.75rem, 4vw, 2.75rem);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-tap-highlight-color: transparent; }
body {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 15px;
  line-height: 1.6;
  color: var(--gray-800);
  background: var(--white);
  overflow-x: hidden;
  padding-bottom: 0;
  -webkit-font-smoothing: antialiased;
}
body.page-home { background: var(--gray-50); }
body.is-loaded .page-loader { opacity: 0; visibility: hidden; pointer-events: none; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--green-dark); }
ul { list-style: none; }
h1,h2,h3,h4,h5 { font-family: var(--font); font-weight: 500; color: var(--navy); line-height: 1.3; letter-spacing: -0.02em; }
.container { width: min(1200px, 94%); margin: 0 auto; }
.section { padding: var(--section-pad) 0; }
.section--tight { padding: clamp(1.25rem, 3vw, 2rem) 0; }
.section--alt { background: var(--gray-50); }
.section--dark { background: linear-gradient(160deg, var(--navy) 0%, var(--royal-blue) 100%); color: var(--white); }
.section--dark h2, .section--dark h3 { color: var(--white); }
.section__head { text-align: center; max-width: 640px; margin: 0 auto 1.5rem; }
.section__head--left { text-align: left; margin-left: 0; margin-right: 0; }
.section__label {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 0.75rem;
}
.section__title { font-size: clamp(1.35rem, 3.5vw, 1.85rem); margin-bottom: 0.5rem; font-weight: 500; }
.section__desc { color: var(--gray-600); font-size: 0.92rem; font-weight: 300; }
.mt-1 { margin-top: 1rem; }
.show-mobile-only { display: none !important; }

/* Loader */
.page-loader {
  position: fixed; inset: 0; z-index: 9999;
  background: var(--white);
  display: flex; align-items: center; justify-content: center;
  transition: opacity 0.5s, visibility 0.5s;
}
.page-loader__logo { width: 140px; margin-bottom: 1.5rem; animation: pulse 1.5s ease infinite; }
.page-loader__bar {
  width: 120px; height: 3px; background: var(--gray-200); border-radius: 3px; overflow: hidden;
}
.page-loader__bar::after {
  content: ''; display: block; width: 40%; height: 100%;
  background: linear-gradient(90deg, var(--green-light), var(--green));
  animation: loadBar 1s ease infinite;
}
@keyframes loadBar { 0% { transform: translateX(-100%); } 100% { transform: translateX(350%); } }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: 0.7; } }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(10,37,64,0.06);
  transition: box-shadow var(--transition);
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }
.site-header__inner {
  display: flex; align-items: center; justify-content: space-between;
  height: var(--header-h); gap: 1rem;
}
.site-logo__img { height: 42px; width: auto; }
.site-nav__list { display: flex; gap: 1.75rem; }
.site-nav__list a {
  font-size: 0.9rem; font-weight: 500; color: var(--gray-600);
  position: relative;
}
.site-nav__list a::after {
  content: ''; position: absolute; left: 0; bottom: -4px; width: 0; height: 2px;
  background: var(--green); transition: width var(--transition);
}
.site-nav__list a:hover, .site-nav__list a.is-active { color: var(--navy); }
.site-nav__list a.is-active::after, .site-nav__list a:hover::after { width: 100%; }
.site-header__actions { display: flex; align-items: center; gap: 0.75rem; }
.menu-toggle {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 8px;
}
.menu-toggle span {
  width: 22px; height: 2px; background: var(--navy);
  transition: var(--transition); border-radius: 2px;
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  padding: 0.85rem 1.6rem; font-family: var(--font); font-weight: 600; font-size: 0.9rem;
  border-radius: 999px; border: none; cursor: pointer;
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition);
  position: relative; overflow: hidden;
}
.btn::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(105deg, transparent 40%, rgba(255,255,255,0.25) 50%, transparent 60%);
  transform: translateX(-100%); transition: transform 0.6s;
}
.btn:hover::before { transform: translateX(100%); }
.btn--primary {
  background: linear-gradient(135deg, var(--green-light), var(--green) 40%, var(--green-dark));
  color: var(--white); box-shadow: 0 4px 20px rgba(102,204,0,0.35);
}
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(102,204,0,0.45); color: var(--white); }
.btn--secondary {
  background: var(--white); color: var(--navy);
  border: 1.5px solid var(--gray-200);
}
.btn--secondary:hover { border-color: var(--green); color: var(--green); }
.btn--ghost { background: transparent; color: var(--navy); border: 1.5px solid var(--gray-200); }
.btn--ghost:hover { border-color: var(--navy); }
.btn--navy { background: var(--navy); color: var(--white); }
.btn--navy:hover { color: var(--white); transform: translateY(-2px); }
.btn--whatsapp { background: #25d366; color: var(--white); }
.btn--whatsapp:hover { color: var(--white); }
.btn--red,
.btn--green {
  background: linear-gradient(135deg, var(--green-light) 0%, var(--green) 50%, var(--green-dark) 100%);
  color: var(--white);
  border-radius: 6px;
  font-weight: 600;
  box-shadow: 0 2px 14px rgba(102,204,0,0.35);
}
.btn--red:hover,
.btn--green:hover {
  background: linear-gradient(135deg, var(--green) 0%, var(--green-dark) 100%);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 18px rgba(63,174,42,0.4);
}
.btn--outline-red,
.btn--outline-green {
  background: var(--white);
  color: var(--green-dark);
  border: 1.5px solid var(--green);
  border-radius: 6px;
  font-weight: 600;
}
.btn--outline-red:hover,
.btn--outline-green:hover {
  background: rgba(102,204,0,0.08);
  color: var(--green-dark);
  border-color: var(--green-dark);
}
.btn--sm { padding: 0.55rem 1rem; font-size: 0.8rem; }
.btn--lg { padding: 1rem 2rem; font-size: 1rem; }
.btn--block { width: 100%; }
.btn__icon, .btn svg { width: 18px; height: 18px; }
.btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }

/* Subtle attention on primary CTAs */
@keyframes btnAttention {
  0%, 100% { box-shadow: 0 2px 14px rgba(102,204,0,0.3); transform: translateY(0); }
  50% { box-shadow: 0 6px 24px rgba(102,204,0,0.5); transform: translateY(-1px); }
}
@media (prefers-reduced-motion: no-preference) {
  .btn--attention.btn--red,
  .btn--attention.btn--green,
  .btn--attention.btn--primary { animation: btnAttention 2.8s ease-in-out infinite; }
  .btn--attention.btn--outline-red:hover,
  .btn--attention.btn--outline-green:hover { animation: none; }
}

/* Hero */
.hero {
  position: relative; min-height: clamp(520px, 85vh, 720px);
  display: flex; align-items: center; overflow: hidden;
  padding: 4rem 0;
}
.hero__bg {
  position: absolute; inset: 0; z-index: 0;
}
.hero__bg img {
  width: 100%; height: 100%; object-fit: cover;
}
.hero__overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(135deg, rgba(11,59,120,0.92) 0%, rgba(11,59,120,0.75) 45%, rgba(102,204,0,0.45) 100%);
}
.hero__gradient {
  position: absolute; inset: 0; z-index: 2;
  background: radial-gradient(ellipse at 80% 20%, rgba(30,90,168,0.25), transparent 50%),
              radial-gradient(ellipse at 20% 80%, rgba(102,204,0,0.15), transparent 50%);
  animation: gradientShift 12s ease infinite alternate;
}
@keyframes gradientShift { to { opacity: 0.7; transform: scale(1.05); } }
.hero .container { position: relative; z-index: 3; }
.hero__content { max-width: 680px; color: var(--white); }
.hero__badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  padding: 0.4rem 1rem; background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2); border-radius: 999px;
  font-size: 0.8rem; margin-bottom: 1.25rem;
  backdrop-filter: blur(8px);
}
.hero__title {
  font-size: clamp(2rem, 5vw, 3.25rem);
  color: var(--white); margin-bottom: 1rem; font-weight: 700;
}
.hero__subtitle {
  font-size: clamp(1rem, 2vw, 1.15rem);
  opacity: 0.92; margin-bottom: 2rem; line-height: 1.7; font-weight: 300;
}
.hero__cta { display: flex; flex-wrap: wrap; gap: 1rem; }
.hero__stats {
  display: flex; gap: 2.5rem; margin-top: 3rem; flex-wrap: wrap;
}
.hero__stat strong {
  display: block; font-size: 1.75rem; font-family: var(--font);
  background: linear-gradient(90deg, var(--mint), var(--blue-light));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero__stat span { font-size: 0.85rem; opacity: 0.8; }

/* Trust bar */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-100);
  padding: 1.25rem 0;
}
.trust-bar__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1rem;
}
.trust-item {
  display: flex; align-items: center; gap: 0.75rem;
  padding: 0.75rem 1rem; border-radius: var(--radius-sm);
  transition: background var(--transition);
}
.trust-item:hover { background: var(--gray-50); }
.trust-item__icon {
  width: 40px; height: 40px; border-radius: 12px;
  background: linear-gradient(135deg, rgba(102,204,0,0.12), rgba(30,90,168,0.1));
  display: flex; align-items: center; justify-content: center;
  color: var(--green); flex-shrink: 0;
}
.trust-item__icon svg { width: 20px; height: 20px; }
.trust-item span { font-size: 0.88rem; font-weight: 500; color: var(--navy); }

/* Cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1rem;
}
.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
}
.card__icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: linear-gradient(135deg, var(--navy), var(--green));
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
}
.card__icon svg { width: 26px; height: 26px; }
.card__title { font-size: 1.1rem; margin-bottom: 0.5rem; }
.card__text { color: var(--gray-600); font-size: 0.92rem; margin-bottom: 1rem; }
.card__link {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-weight: 600; font-size: 0.88rem;
}
.card__link svg { width: 16px; height: 16px; transition: transform var(--transition); }
.card__link:hover svg { transform: translateX(4px); }

/* Problem cards */
.problem-card {
  text-align: center; padding: 2rem 1.5rem;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--gray-100);
}
.problem-card__emoji { display: none; }
.problem-card__icon {
  width: 48px; height: 48px; margin: 0 auto 1rem;
  color: var(--green);
}
.problem-card__icon svg { width: 100%; height: 100%; }
.problem-card h3 { font-size: 1rem; margin-bottom: 0.5rem; }
.problem-card p { font-size: 0.88rem; color: var(--gray-600); }

/* Timeline */
.timeline { position: relative; max-width: 800px; margin: 0 auto; }
.timeline::before {
  content: ''; position: absolute; left: 24px; top: 0; bottom: 0; width: 2px;
  background: linear-gradient(var(--green), var(--blue));
}
.timeline__item {
  display: flex; gap: 1.5rem; margin-bottom: 2rem;
  padding-left: 0; position: relative;
}
.timeline__num {
  width: 50px; height: 50px; flex-shrink: 0;
  background: var(--white); border: 2px solid var(--green);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-family: var(--font); font-weight: 700; color: var(--green);
  position: relative; z-index: 1;
  box-shadow: var(--shadow-sm);
}
.timeline__body {
  flex: 1; background: var(--white); padding: 1.25rem 1.5rem;
  border-radius: var(--radius); border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.timeline__body h3 { font-size: 1.05rem; margin-bottom: 0.35rem; }

/* Benefits */
.benefit-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 1.25rem; }
.benefit-card {
  display: flex; gap: 1rem; padding: 1.5rem;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  backdrop-filter: blur(8px);
}
.benefit-card__icon { color: var(--mint); flex-shrink: 0; }
.benefit-card__icon svg { width: 28px; height: 28px; }
.benefit-card h3 { font-size: 1rem; color: var(--white); margin-bottom: 0.35rem; }
.benefit-card p { font-size: 0.88rem; opacity: 0.85; color: rgba(255,255,255,0.9); }

/* Testimonials */
.testimonial-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 1.5rem; }
.testimonial {
  background: var(--white); padding: 2rem; border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); box-shadow: var(--shadow-sm);
}
.testimonial__stars { display: flex; gap: 2px; color: var(--gold); margin-bottom: 1rem; }
.testimonial__stars svg { width: 16px; height: 16px; }
.testimonial__text { font-style: italic; color: var(--gray-600); margin-bottom: 1.25rem; font-size: 0.95rem; }
.testimonial__author { display: flex; align-items: center; gap: 0.75rem; }
.testimonial__avatar {
  width: 48px; height: 48px; border-radius: 50%; object-fit: cover;
}
.testimonial__name { font-weight: 600; color: var(--navy); font-size: 0.95rem; }
.testimonial__city { font-size: 0.82rem; color: var(--gray-400); }

/* FAQ Accordion */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  background: var(--white); border: 1px solid var(--gray-100);
  border-radius: var(--radius); margin-bottom: 0.75rem; overflow: hidden;
  transition: box-shadow var(--transition);
}
.faq-item.is-open { box-shadow: var(--shadow-md); }
.faq-item__btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 1.25rem 1.5rem; background: none; border: none; cursor: pointer;
  text-align: left; font-family: var(--font); font-weight: 600;
  font-size: 1rem; color: var(--navy);
}
.faq-item__btn svg { width: 20px; flex-shrink: 0; transition: transform var(--transition); color: var(--green); }
.faq-item.is-open .faq-item__btn svg { transform: rotate(180deg); }
.faq-item__answer {
  max-height: 0; overflow: hidden; transition: max-height 0.4s ease;
}
.faq-item.is-open .faq-item__answer { max-height: 300px; }
.faq-item__answer p {
  padding: 0 1.5rem 1.25rem; color: var(--gray-600); font-size: 0.95rem;
}

/* CTA Banner */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal-blue) 100%);
  border-radius: var(--radius-lg);
  padding: clamp(2.5rem, 5vw, 4rem);
  text-align: center; color: var(--white);
  position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; top: -50%; right: -20%;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(102,204,0,0.2); filter: blur(60px);
}
.cta-banner h2 { color: var(--white); margin-bottom: 0.75rem; font-size: clamp(1.5rem, 3vw, 2rem); }
.cta-banner p { opacity: 0.9; margin-bottom: 1.5rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.cta-banner .btn { position: relative; z-index: 1; }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--royal-blue) 100%);
  padding: clamp(1.5rem, 4vw, 2.5rem) 0;
  color: var(--white); text-align: center;
}
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.75rem); margin-bottom: 0.75rem; }
.page-hero p { opacity: 0.9; max-width: 600px; margin: 0 auto; font-size: 1.05rem; }
.breadcrumb {
  display: flex; justify-content: center; gap: 0.5rem;
  font-size: 0.85rem; margin-bottom: 1rem; opacity: 0.8;
}
.breadcrumb a { color: var(--green-light); }
.breadcrumb a:hover { color: var(--white); }

/* Forms */
.form-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 2rem; border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-md);
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { margin-bottom: 0; }
.form-group--full { grid-column: 1 / -1; }
.form-group label {
  display: block; font-size: 0.85rem; font-weight: 500;
  color: var(--navy); margin-bottom: 0.4rem;
}
.form-group label .required { color: var(--green-dark); }
.form-control {
  width: 100%; padding: 0.85rem 1rem;
  border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm);
  font-family: var(--font-body); font-size: 0.95rem;
  transition: border-color var(--transition), box-shadow var(--transition);
  background: var(--white);
}
.form-control:focus {
  outline: none; border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(102,204,0,0.2);
}
textarea.form-control { min-height: 120px; resize: vertical; }
.form-check {
  display: flex; align-items: flex-start; gap: 0.6rem;
  font-size: 0.88rem; color: var(--gray-600);
}
.form-check input { margin-top: 4px; accent-color: var(--green); }
.hp-field { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* Contact layout */
.contact-layout { display: grid; grid-template-columns: 1fr 1.1fr; gap: 2.5rem; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 1rem; }
.info-card {
  display: flex; gap: 1rem; padding: 1.25rem;
  background: var(--gray-50); border-radius: var(--radius);
  border: 1px solid var(--gray-100);
  transition: transform var(--transition);
}
.info-card:hover { transform: translateX(4px); }
.info-card__icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--white); color: var(--green);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-sm);
}
.info-card__icon svg { width: 22px; height: 22px; }
.map-placeholder {
  border-radius: var(--radius); overflow: hidden;
  min-height: 280px; background: var(--gray-100);
  border: 1px solid var(--gray-200);
}
.map-placeholder iframe { width: 100%; height: 280px; border: 0; }

/* Counters */
.counters { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
.counter strong {
  display: block; font-size: 2.25rem; font-family: var(--font);
  color: var(--green); margin-bottom: 0.25rem;
}
.counter span { font-size: 0.88rem; color: var(--gray-600); }

/* Blog */
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); gap: 2rem; }
.blog-card {
  background: var(--white); border-radius: var(--radius-lg);
  overflow: hidden; border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.blog-card__img { aspect-ratio: 16/10; object-fit: cover; width: 100%; }
.blog-card__body { padding: 1.5rem; }
.blog-card__cat {
  display: inline-block; font-size: 0.72rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
  color: var(--green-dark); background: rgba(102,204,0,0.12);
  padding: 0.25rem 0.65rem; border-radius: 999px; margin-bottom: 0.75rem;
}
.blog-card__title { font-size: 1.15rem; margin-bottom: 0.5rem; }
.blog-card__title a { color: var(--navy); }
.blog-card__title a:hover { color: var(--green); }
.blog-card__meta { font-size: 0.82rem; color: var(--gray-400); margin-bottom: 0.75rem; }

/* Service detail */
.service-hero-img {
  border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 16/9; margin-bottom: 2rem;
  box-shadow: var(--shadow-lg);
}
.service-hero-img img { width: 100%; height: 100%; object-fit: cover; }
.content-block { margin-bottom: 2.5rem; }
.content-block h2 { font-size: 1.5rem; margin-bottom: 1rem; }
.doc-list li {
  padding: 0.6rem 0 0.6rem 1.75rem; position: relative;
  border-bottom: 1px solid var(--gray-100);
}
.doc-list li::before {
  content: ''; position: absolute; left: 0; top: 50%; transform: translateY(-50%);
  width: 8px; height: 8px; border-radius: 50%; background: var(--green);
}
.two-col { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 2.5rem; align-items: start; }

/* Team */
.team-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 1.5rem; }
.team-card {
  text-align: center; padding: 2rem 1.5rem;
  background: var(--white); border-radius: var(--radius);
  border: 1px solid var(--gray-100);
}
.team-card__img {
  width: 100px; height: 100px; border-radius: 50%;
  object-fit: cover; margin: 0 auto 1rem;
  border: 3px solid var(--gray-100);
}
.team-card h3 { font-size: 1rem; }
.team-card p { font-size: 0.85rem; color: var(--gray-600); }

/* Legal content */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h2 { font-size: 1.35rem; margin: 2rem 0 0.75rem; }
.legal-content p, .legal-content li { color: var(--gray-600); margin-bottom: 0.75rem; }
.legal-content ul { list-style: disc; padding-left: 1.5rem; margin-bottom: 1rem; }

/* Thank you */
.thank-you {
  min-height: 60vh; display: flex; align-items: center; justify-content: center;
  text-align: center; padding: 3rem 0;
}
.thank-you__icon {
  width: 80px; height: 80px; margin: 0 auto 1.5rem;
  background: linear-gradient(135deg, var(--green), var(--blue));
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  color: var(--white);
}
.thank-you__icon svg { width: 40px; height: 40px; }

/* Sticky mobile CTA — dark pill (all pages) */
.sticky-cta {
  display: none;
  position: fixed;
  bottom: calc(var(--bottom-nav-h) + 10px);
  left: 50%;
  transform: translateX(-50%);
  z-index: 900;
  width: min(94%, 420px);
  padding: 0.5rem 0.5rem 0.5rem 1.15rem;
  background: var(--navy);
  border-radius: 999px;
  box-shadow: 0 8px 32px rgba(15, 23, 42, 0.45);
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
}
.sticky-cta.is-visible { display: flex; }
.sticky-cta__text {
  color: var(--white);
  font-size: 0.88rem;
  font-weight: 400;
}
.sticky-cta__btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.55rem 1.25rem;
  background: var(--red);
  color: var(--white);
  font-weight: 600;
  font-size: 0.85rem;
  border-radius: 8px;
  flex-shrink: 0;
}
.sticky-cta__btn:hover { background: var(--red-dark); color: var(--white); }

/* Footer */
/* Footer */
.footer-cta {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal-blue) 100%);
  padding: 1.25rem 0;
}
.footer-cta__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; flex-wrap: wrap;
}
.footer-cta__text strong {
  display: block; color: var(--white); font-size: 1rem; font-weight: 500;
}
.footer-cta__text span { color: rgba(255,255,255,0.8); font-size: 0.85rem; font-weight: 300; }
.footer-cta__actions { display: flex; gap: 0.6rem; flex-wrap: wrap; }
.btn--outline-white {
  background: transparent; color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.7); border-radius: 6px;
  font-weight: 500;
}
.btn--outline-white:hover { background: rgba(255,255,255,0.12); color: var(--white); }

.site-footer {
  background: var(--navy);
  color: rgba(255,255,255,0.82);
  padding: 0 0 1.25rem;
  margin-bottom: 0;
}
.site-footer a { color: rgba(255,255,255,0.85); }
.site-footer a:hover { color: var(--green-light); }
.site-footer__main { padding-top: 2rem; }
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.35fr repeat(3, 1fr);
  gap: 2rem;
  margin-bottom: 1.75rem;
}
.site-footer__tagline { font-size: 0.85rem; margin: 0.75rem 0 1rem; opacity: 0.75; line-height: 1.55; font-weight: 300; }
.site-footer__badges {
  display: flex; flex-wrap: wrap; gap: 0.5rem; margin-bottom: 1rem;
}
.site-footer__badges span {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-size: 0.72rem; padding: 0.3rem 0.6rem;
  background: rgba(255,255,255,0.06);
  border-radius: 6px; border: 1px solid rgba(255,255,255,0.08);
}
.site-footer__badges svg { width: 14px; height: 14px; color: var(--green-light); }
.site-footer__social { display: flex; gap: 0.6rem; }
.site-footer__social a {
  width: 42px; height: 42px; border-radius: 10px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition), transform var(--transition);
}
.site-footer__social a:hover { background: var(--green); color: var(--navy); transform: translateY(-2px); }
.site-footer__social svg { width: 18px; height: 18px; }
.site-footer h4 {
  color: var(--white); font-size: 0.9rem; font-weight: 500;
  margin-bottom: 0.85rem; letter-spacing: 0.02em;
}
.site-footer__col ul li { margin-bottom: 0.45rem; font-size: 0.84rem; font-weight: 300; }
.site-footer__contact li {
  display: flex; gap: 0.65rem; align-items: flex-start;
  margin-bottom: 0.85rem;
}
.site-footer__contact .icon { width: 18px; flex-shrink: 0; color: var(--green-light); margin-top: 2px; }
.site-footer__contact small { display: block; font-size: 0.68rem; opacity: 0.6; text-transform: uppercase; letter-spacing: 0.06em; }
.site-footer__contact a, .site-footer__contact span { font-size: 0.84rem; }
.site-footer__hours { font-size: 0.8rem; opacity: 0.7; margin: 0.5rem 0 0.75rem; font-weight: 300; }
.footer-mini-btn {
  display: inline-block; font-size: 0.78rem; font-weight: 500;
  color: #7dd3fc; border: 1px solid rgba(125,211,252,0.35);
  padding: 0.4rem 0.85rem; border-radius: 6px;
}
.footer-mini-btn:hover { background: rgba(125,211,252,0.1); color: #fff; }
.site-footer__legal {
  display: flex; flex-wrap: wrap; gap: 1rem 1.5rem;
  padding: 1.25rem 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.8rem; font-weight: 300;
}
.site-footer__bottom {
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,0.06);
  font-size: 0.78rem; opacity: 0.65; font-weight: 300;
}
.site-footer__disclaimer { margin-top: 0.35rem; font-size: 0.72rem; line-height: 1.5; }
.site-logo--footer .site-logo__img { height: 44px; filter: brightness(0) invert(1); }

/* Bottom nav — app style */
.bottom-nav {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: calc(var(--bottom-nav-h) + env(safe-area-inset-bottom));
  padding-bottom: env(safe-area-inset-bottom);
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid var(--gray-200);
  padding-left: 0.15rem;
  padding-right: 0.15rem;
  padding-top: 0.4rem;
  justify-content: space-around;
  align-items: flex-end;
  box-shadow: 0 -8px 32px rgba(15,23,42,0.12);
}
.bottom-nav__item {
  flex: 1;
  display: flex;
  justify-content: center;
  color: var(--gray-400);
  text-decoration: none;
  min-width: 0;
  -webkit-tap-highlight-color: transparent;
}
.bottom-nav__pill {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  padding: 0.35rem 0.55rem 0.4rem;
  border-radius: 16px;
  transition: background 0.2s, color 0.2s, transform 0.2s;
  min-width: 52px;
}
.bottom-nav__pill span {
  font-size: 0.72rem;
  font-weight: 600;
  line-height: 1;
  letter-spacing: 0.01em;
}
.bottom-nav__icon {
  font-size: 1.42rem !important;
  line-height: 1;
  transition: color 0.2s, transform 0.2s;
}
.bottom-nav__item.is-active .bottom-nav__pill {
  background: rgba(102,204,0,0.14);
  color: var(--navy);
}
.bottom-nav__item.is-active .bottom-nav__icon {
  color: var(--green-dark);
  transform: scale(1.05);
}
.bottom-nav__item--call .bottom-nav__pill {
  color: var(--green-dark);
  padding-top: 0.2rem;
}
.bottom-nav__item--call .bottom-nav__icon {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: flex !important;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, var(--green-light), var(--green), var(--green-dark));
  color: var(--white) !important;
  font-size: 1.15rem !important;
  box-shadow: 0 4px 14px rgba(102,204,0,0.45);
  margin-top: -10px;
}
.bottom-nav__item--call.is-active .bottom-nav__pill {
  background: transparent;
  color: var(--green-dark);
}
.bottom-nav__item--call.is-active .bottom-nav__icon {
  transform: scale(1.06);
}

/* Float buttons */
.float-btn {
  position: fixed; z-index: 950;
  width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  transition: transform var(--transition), box-shadow var(--transition);
}
.float-btn:hover { transform: scale(1.08); }
.float-btn svg { width: 24px; height: 24px; }
.float-btn--whatsapp {
  bottom: calc(88px + env(safe-area-inset-bottom));
  right: 16px; background: #25d366; color: var(--white);
}
.float-btn--call {
  bottom: calc(152px + env(safe-area-inset-bottom));
  right: 16px;
  background: #0d9488;
  color: var(--white);
}

/* Toast */
.toast {
  position: fixed; top: 90px; right: 16px; z-index: 10000;
  transform: translateX(calc(100% + 32px));
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  max-width: 360px; width: calc(100% - 32px);
}
.toast.is-visible { transform: translateX(0); }
.toast__inner {
  display: flex; align-items: flex-start; gap: 0.75rem;
  padding: 1rem 1.25rem; background: var(--white);
  border-radius: var(--radius); box-shadow: var(--shadow-lg);
  border-left: 4px solid var(--green);
}
.toast.is-error .toast__inner { border-left-color: var(--danger); }
.toast__message { flex: 1; font-size: 0.9rem; color: var(--navy); }
.toast__close { background: none; border: none; font-size: 1.25rem; cursor: pointer; color: var(--gray-400); }

/* Mobile drawer */
.mobile-drawer { display: none; }
.mobile-drawer.is-open { display: block; }
.mobile-drawer__panel {
  position: fixed; top: 0; right: 0; width: min(320px, 88vw); height: 100%;
  background: var(--white); z-index: 1101; padding: 1.5rem;
  transform: translateX(100%); transition: transform var(--transition);
  box-shadow: -8px 0 40px rgba(0,0,0,0.15);
  overflow-y: auto;
}
.mobile-drawer.is-open .mobile-drawer__panel { transform: translateX(0); }
.mobile-drawer__backdrop {
  position: fixed; inset: 0; background: rgba(10,37,64,0.5);
  z-index: 1100; opacity: 0; visibility: hidden; transition: var(--transition);
}
.mobile-drawer.is-open .mobile-drawer__backdrop { opacity: 1; visibility: visible; }
.mobile-drawer__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 1.5rem; }
.mobile-drawer__logo { height: 36px; }
.mobile-drawer__close { background: none; border: none; font-size: 1.75rem; cursor: pointer; color: var(--navy); }
.mobile-drawer__nav { display: flex; flex-direction: column; gap: 0.25rem; margin-bottom: 1.5rem; }
.mobile-drawer__nav a {
  padding: 0.85rem 1rem; border-radius: var(--radius-sm);
  color: var(--navy); font-weight: 500;
}
.mobile-drawer__nav a:hover { background: var(--gray-50); }

/* Scroll reveal */
.reveal {
  opacity: 0; transform: translateY(28px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.is-visible { opacity: 1; transform: translateY(0); }

/* Utilities */
.text-center { text-align: center; }
.hide-mobile { display: inline-flex; }
.glass {
  background: rgba(255,255,255,0.7);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.5);
}
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: center; }
.mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 2rem; }

/* Responsive */
@media (max-width: 1024px) {
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .contact-layout, .two-col, .grid-2 { grid-template-columns: 1fr; }
  .counters { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .site-nav { display: none; }
  .menu-toggle { display: flex; }
  .bank-menu-toggle { display: none !important; }
  .hide-mobile { display: none !important; }
  .show-mobile-only { display: block; }
  .sub-nav-mobile.show-mobile-only { display: block; }
  .bottom-nav { display: flex; }
  body {
    padding-bottom: calc(var(--bottom-nav-h) + env(safe-area-inset-bottom) + 52px);
  }
  .site-footer { padding-bottom: calc(0.75rem + var(--bottom-nav-h)); }
  .form-grid { grid-template-columns: 1fr; }
  .timeline::before { left: 24px; }
  :root { --section-pad: 1.35rem; }
}

@media (max-width: 480px) {
  .hero__stats { gap: 1.5rem; }
  .card-grid { grid-template-columns: 1fr; }
  .quick-help-grid,
  .quick-help-grid--six { grid-template-columns: 1fr; }
}

/* ========== BANK HEADER — white logo bar + navy sub-nav ========== */
.bank-header {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  box-shadow: 0 1px 0 var(--gray-200);
  transition: box-shadow var(--transition);
  overflow: visible;
}
.bank-header.is-scrolled { box-shadow: 0 4px 20px rgba(43,43,43,0.1); }
.top-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.72rem;
  font-weight: 300;
}
/* Top bar — one row: skip | marquee | contact */
.top-bar__row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-height: 34px;
  padding: 0.25rem 0;
}
.top-bar__skip {
  flex-shrink: 0;
  color: var(--gray-600);
  font-size: 0.7rem;
  font-weight: 400;
  white-space: nowrap;
}
.top-bar__skip:hover { color: var(--royal-blue); }
.top-bar__marquee-box {
  flex: 1;
  min-width: 0;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.top-bar__marquee {
  display: flex;
  gap: 2.5rem;
  white-space: nowrap;
  animation: marqueeScroll 35s linear infinite;
  width: max-content;
}
.top-bar__marquee-item {
  color: var(--royal-blue);
  font-size: 0.72rem;
  font-weight: 400;
}
.top-bar__marquee-item::before {
  content: '◆';
  margin-right: 0.5rem;
  color: var(--green);
  font-size: 0.45rem;
}
@keyframes marqueeScroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.top-bar__contact {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 0.65rem;
}
.top-bar__link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: var(--gray-600);
  font-size: 0.7rem;
  white-space: nowrap;
}
.top-bar__link i { font-size: 0.75rem; color: var(--royal-blue); }
.top-bar__link:hover { color: var(--royal-blue); }

.main-header {
  border-bottom: none;
  background: var(--white);
}
.main-header__inner {
  display: flex; align-items: center; gap: 1rem;
  min-height: 64px;
}
.bank-logo .site-logo__img { height: 46px; }

.segment-nav {
  display: flex; gap: 0; flex: 1; justify-content: center;
}
.segment-nav__link {
  padding: 0.5rem 1.1rem;
  font-size: 0.78rem; font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gray-600);
  border-bottom: 2px solid transparent;
  transition: var(--transition);
}
.segment-nav__link:hover { color: var(--royal-blue); }
.segment-nav__link.is-active {
  color: var(--royal-blue);
  border-bottom-color: var(--green);
}

.main-header__actions {
  display: flex; align-items: center; gap: 0.65rem;
}
.main-header__complaint {
  font-size: 0.72rem; font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--gray-800);
}
.main-header__complaint:hover { color: var(--green-dark); }
.main-header__icon {
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
  color: var(--royal-blue);
  background: var(--white);
}
.main-header__icon:hover {
  border-color: var(--green);
  color: var(--green-dark);
}
.bank-menu-toggle span { background: var(--navy); }
.main-header__icon svg { width: 18px; height: 18px; }
.bank-menu-toggle { display: none; }

.sub-nav {
  background: var(--navy);
  border-top: 1px solid rgba(255,255,255,0.06);
  width: 100%;
  overflow: visible;
  position: relative;
  z-index: 900;
}
.sub-nav__wrap {
  width: 100%;
  max-width: 100%;
  overflow: visible;
}
.sub-nav__inner {
  display: flex;
  align-items: center;
  flex-wrap: nowrap;
  justify-content: stretch;
  width: 100%;
  max-width: 100%;
  min-height: 46px;
  overflow: visible;
  padding: 0;
  gap: 0;
}
.sub-nav__item {
  position: relative;
  flex: 1 1 0;
  min-width: 0;
  display: flex;
  align-items: stretch;
}
.sub-nav__link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
  padding: 0.72rem 0.5rem;
  font-size: 0.88rem;
  font-weight: 500;
  color: rgba(255,255,255,0.98);
  white-space: nowrap;
  width: 100%;
  text-align: center;
  line-height: 1.25;
  min-height: 46px;
}
.sub-nav__link:hover,
.sub-nav__item.has-dropdown:hover > .sub-nav__link,
.sub-nav__item.has-dropdown:focus-within > .sub-nav__link {
  background: rgba(255,255,255,0.12);
  color: var(--white);
}
.sub-nav__link .fa-chevron-down { font-size: 0.65rem; opacity: 0.9; }
.sub-nav__dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--white);
  border-radius: 0 0 10px 10px;
  box-shadow: 0 12px 40px rgba(10,37,64,0.18);
  z-index: 1200;
  padding: 0.5rem 0;
  max-height: min(70vh, 420px);
  overflow-y: auto;
  border: 1px solid var(--gray-200);
  border-top: none;
}
.sub-nav__dropdown--mega {
  left: auto;
  right: 0;
  min-width: min(92vw, 480px);
  display: none;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  padding: 0.65rem 0.5rem 0.5rem;
  column-gap: 0.25rem;
}
.sub-nav__dropdown-head {
  grid-column: 1 / -1;
  padding: 0.35rem 0.75rem 0.5rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-400);
  border-bottom: 1px solid var(--gray-100);
  margin-bottom: 0.25rem;
}
.sub-nav__dropdown--mega a {
  padding: 0.45rem 0.65rem;
  font-size: 0.84rem;
  border-radius: 6px;
  line-height: 1.3;
}
.sub-nav__dropdown-all {
  grid-column: 1 / -1;
  margin-top: 0.35rem;
  padding: 0.55rem 0.75rem !important;
  font-weight: 600 !important;
  color: var(--green-dark) !important;
  border-top: 1px solid var(--gray-100);
  display: inline-flex !important;
  align-items: center;
  gap: 0.35rem;
}
.sub-nav__item.has-dropdown:hover .sub-nav__dropdown,
.sub-nav__item.has-dropdown:focus-within .sub-nav__dropdown {
  display: block;
}
.sub-nav__item.has-dropdown:hover .sub-nav__dropdown--mega,
.sub-nav__item.has-dropdown:focus-within .sub-nav__dropdown--mega {
  display: grid;
}
.sub-nav__dropdown a {
  display: block;
  padding: 0.55rem 1rem;
  font-size: 0.86rem;
  color: var(--navy);
  font-weight: 400;
}
.sub-nav__dropdown a:hover { background: var(--gray-50); color: var(--royal-blue); }

.sub-nav-mobile {
  background: var(--navy);
  overflow: hidden;
}
.sub-nav-mobile__track {
  display: flex; gap: 0.5rem;
  padding: 0.5rem 1rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.sub-nav-mobile__track::-webkit-scrollbar { display: none; }
.sub-nav-mobile__chip {
  flex-shrink: 0;
  scroll-snap-align: start;
  padding: 0.4rem 0.85rem;
  background: rgba(255,255,255,0.12);
  border-radius: 999px;
  font-size: 0.75rem; font-weight: 400;
  color: var(--white);
}

/* Hero slider */
.hero-slider {
  position: relative;
  width: 100%;
  background: var(--gray-100);
  line-height: 0;
}
.hero-slider__viewport {
  position: relative;
  overflow: hidden;
  min-height: 200px;
}
.hero-slider__track {
  position: relative;
  width: 100%;
}
.hero-slider__track--desktop { display: block; }
.hero-slider__track--mobile { display: none; }
.hero-slider__slide {
  display: none;
  width: 100%;
  line-height: 0;
}
.hero-slider__slide.is-active {
  display: block;
}
.hero-slider__slide img {
  width: 100%;
  display: block;
  object-fit: cover;
  min-height: 220px;
  max-height: 480px;
}
.hero-slider__nav {
  position: absolute;
  bottom: 14px;
  left: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  z-index: 5;
}
.hero-slider__dot {
  border: none;
  padding: 0;
  cursor: pointer;
  background: transparent;
  width: 28px;
  height: 6px;
  border-radius: 4px;
  overflow: hidden;
  position: relative;
}
.hero-slider__dot-bar {
  display: block;
  height: 100%;
  width: 0%;
  background: var(--green);
  border-radius: 4px;
}
.hero-slider__dot:not(.is-active) .hero-slider__dot-bar {
  width: 100% !important;
  background: rgba(255,255,255,0.55);
  transition: none !important;
}
.hero-slider__dot.is-active {
  width: 48px;
  background: rgba(255,255,255,0.45);
}

/* Hero intro strip */
.hero-intro {
  background: var(--white);
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--gray-100);
}
.hero-intro__inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1.25rem;
  align-items: start;
}
.hero-intro__eyebrow {
  font-size: 0.72rem; font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--royal-blue);
  margin-bottom: 0.35rem;
}
.hero-intro h1 {
  font-size: clamp(1.25rem, 3.5vw, 1.75rem);
  font-weight: 500;
  color: var(--royal-blue);
  margin-bottom: 0.5rem;
  line-height: 1.35;
}
.hero-intro p {
  font-size: 0.9rem; font-weight: 300;
  color: var(--gray-600);
  margin-bottom: 1rem;
  max-width: 640px;
}
.hero-intro__cta { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.hero-intro__promo {
  text-align: center;
  padding: 1rem 1.25rem;
  border-radius: var(--radius);
  min-width: 140px;
}
.hero-intro__rate {
  display: block;
  font-size: 2rem; font-weight: 500;
  color: var(--royal-blue);
  font-family: var(--font);
  line-height: 1;
}
.hero-intro__rate-label {
  font-size: 0.75rem; color: var(--gray-600);
  display: block; margin-bottom: 0.5rem;
}
.hero-intro__pill {
  display: inline-block;
  font-size: 0.68rem; font-weight: 600;
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  color: var(--white);
  padding: 0.25rem 0.6rem; border-radius: 4px;
}

.trust-bar--compact { padding: 0.75rem 0; }
.trust-bar--compact .trust-bar__grid { gap: 0.5rem; }
.trust-bar--compact .trust-item { padding: 0.4rem 0.5rem; }
.trust-bar--compact .trust-item span { font-size: 0.78rem; }

/* Side rails */
.side-rail {
  position: fixed; top: 50%; transform: translateY(-50%);
  z-index: 900; display: flex; flex-direction: column; gap: 0.35rem;
}
.side-rail--left { left: 0; }
.side-rail--right { right: 0; }
.side-rail__tab {
  writing-mode: vertical-rl;
  text-orientation: mixed;
  transform: rotate(180deg);
  padding: 0.75rem 0.4rem;
  font-size: 0.68rem; font-weight: 500;
  letter-spacing: 0.04em;
  display: flex; align-items: center; gap: 0.35rem;
  border-radius: 0 6px 6px 0;
  box-shadow: var(--shadow-sm);
}
.side-rail--right .side-rail__tab { border-radius: 6px 0 0 6px; transform: rotate(180deg); }
.side-rail__tab--blue { background: var(--royal-blue); color: var(--white); }
.side-rail__tab--white { background: var(--white); color: var(--royal-blue); border: 1px solid var(--gray-200); }
.side-rail__icon { font-size: 0.85rem; }
.side-rail__icon svg { width: 14px; height: 14px; }

/* Quick help — 6-card grid */
.quick-help-section {
  background: linear-gradient(180deg, var(--gray-50) 0%, var(--white) 100%);
}
.quick-help-section__head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.35rem;
  text-align: left;
}
.quick-help-section__head .section__head { margin: 0; text-align: left; }
.quick-help-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.quick-help-grid--six { grid-template-columns: repeat(3, 1fr); }
.quick-help-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 14px;
  padding: 1.2rem 1.15rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1), box-shadow 0.35s, border-color 0.35s;
  text-decoration: none;
  color: inherit;
  position: relative;
  overflow: hidden;
}
.quick-help-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--royal-blue), var(--green));
  opacity: 0;
  transition: opacity 0.3s;
}
.quick-help-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: rgba(0,76,143,0.2);
  color: inherit;
}
.quick-help-card:hover::after { opacity: 1; }
.quick-help-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, #e8f0fa, #dbeafe);
  color: var(--royal-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 0.85rem;
}
.quick-help-card h3 {
  font-size: 0.98rem;
  font-weight: 600;
  margin-bottom: 0.4rem;
  color: var(--navy);
  line-height: 1.3;
}
.quick-help-card p {
  font-size: 0.82rem;
  font-weight: 300;
  color: var(--gray-600);
  flex: 1;
  margin-bottom: 0.75rem;
  line-height: 1.5;
}
.quick-help-card__link {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--green-dark);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}

/* Font Awesome global */
i.fa-solid, i.fa-brands, i.fa-regular { line-height: 1; }
.icon-star { color: var(--gold); }
.card__icon i, .service-tile__icon i, .trust-item__icon i { font-size: 1.2rem; }
.trust-app-item__icon i { font-size: 1.15rem; }
.bottom-nav__icon { font-size: 1.35rem !important; }
.main-header__icon i { font-size: 0.95rem; }
.mobile-drawer__nav a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.mobile-drawer__nav a i { width: 1.1rem; color: var(--royal-blue); }

/* Desktop-only floating elements */
.float-desktop-only { display: flex; }

/* Tools section (legacy) */
.tools-head {
  text-align: center;
  font-size: clamp(1.1rem, 2.5vw, 1.45rem);
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 1.25rem;
}
.tools-scroll { overflow: hidden; }
.tools-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.tool-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.25rem 1rem 1rem;
  text-align: center;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition), box-shadow var(--transition);
}
.tool-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.tool-card__illus {
  position: relative;
  height: 72px;
  margin-bottom: 0.85rem;
  display: flex; align-items: center; justify-content: center;
}
.tool-card__illus img {
  width: 56px; height: 56px;
  object-fit: cover;
  border-radius: 50%;
  opacity: 0.15;
  position: absolute;
}
.tool-card__icon {
  position: relative; z-index: 1;
  width: 48px; height: 48px;
  margin: 0 auto;
  background: linear-gradient(135deg, #e8f0fa, #dbeafe);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--royal-blue);
}
.tool-card__icon svg { width: 26px; height: 26px; }
.tool-card h3 {
  font-size: 0.88rem; font-weight: 500;
  margin-bottom: 0.65rem;
  min-height: 2.4em;
  line-height: 1.3;
}
.tool-card__link {
  font-size: 0.82rem; font-weight: 500;
  color: var(--green-dark);
}
.tool-card__link:hover { color: var(--navy); }

/* Pressure / problems — horizontal app cards */
.pressure-scroll {
  overflow-x: auto;
  padding: 0 1rem 0.5rem;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.pressure-scroll::-webkit-scrollbar { display: none; }
.pressure-track {
  display: flex; gap: 0.85rem;
  padding-bottom: 0.25rem;
}
.pressure-card {
  flex: 0 0 min(280px, 82vw);
  scroll-snap-align: start;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
}
.pressure-card__img {
  position: relative; height: 120px; overflow: hidden;
}
.pressure-card__img img {
  width: 100%; height: 100%; object-fit: cover;
}
.pressure-card__img::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(transparent 30%, rgba(0,76,143,0.55));
}
.pressure-card__icon {
  position: absolute; bottom: 10px; left: 12px; z-index: 1;
  width: 36px; height: 36px;
  background: var(--white);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: var(--royal-blue);
  box-shadow: var(--shadow-sm);
}
.pressure-card__icon svg { width: 20px; height: 20px; }
.pressure-card__body { padding: 1rem; }
.pressure-card__body h3 {
  font-size: 0.95rem; font-weight: 500;
  margin-bottom: 0.35rem;
}
.pressure-card__body p {
  font-size: 0.8rem; font-weight: 300;
  color: var(--gray-600);
  margin-bottom: 0.75rem;
  line-height: 1.45;
}
.pressure-card__cta {
  display: inline-flex; align-items: center; gap: 0.25rem;
  font-size: 0.8rem; font-weight: 500;
  color: var(--green-dark);
}
.pressure-card__cta svg { width: 14px; height: 14px; }

/* Desktop: 3-column grid for pressure */
@media (min-width: 992px) {
  .pressure-scroll { padding: 0; }
  .pressure-track {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    width: min(1200px, 94%);
    margin: 0 auto;
    padding: 0;
  }
  .pressure-card { flex: unset; max-width: none; }
}

/* Feature split */
.feature-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.feature-split__img { min-height: 220px; }
.feature-split__img img {
  width: 100%; height: 100%;
  min-height: 220px;
  object-fit: cover;
}
.feature-split__content { padding: 1.5rem 1.5rem 1.5rem 0; }
.feature-split__content h2 {
  font-size: 1.35rem; font-weight: 500;
  margin-bottom: 0.5rem;
}
.feature-split__content p {
  font-size: 0.88rem; font-weight: 300;
  color: var(--gray-600);
  margin-bottom: 1rem;
}
.feature-list { margin-bottom: 1rem; }
.feature-list li {
  display: flex; align-items: center; gap: 0.5rem;
  font-size: 0.85rem; font-weight: 400;
  padding: 0.35rem 0;
  color: var(--gray-800);
}
.feature-list svg { width: 18px; height: 18px; color: var(--green); flex-shrink: 0; }

/* Services horizontal scroll */
.services-scroll {
  overflow-x: auto;
  padding-bottom: 0.5rem;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
}
.services-scroll::-webkit-scrollbar { display: none; }
.services-track {
  display: flex; gap: 0.85rem;
  scroll-snap-type: x mandatory;
}
.service-tile {
  flex: 0 0 200px;
  scroll-snap-align: start;
  background: var(--white);
  border-radius: var(--radius);
  padding: 0.85rem;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-sm);
}
.service-tile__thumb {
  height: 88px; border-radius: var(--radius-sm);
  overflow: hidden; margin-bottom: 0.5rem;
}
.service-tile__thumb img {
  width: 100%; height: 100%; object-fit: cover;
}
.service-tile__icon {
  width: 32px; height: 32px;
  background: var(--royal-blue);
  color: var(--white);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 0.5rem;
}
.service-tile__icon svg { width: 18px; height: 18px; }
.service-tile h3 { font-size: 0.82rem; font-weight: 500; margin-bottom: 0.35rem; }
.service-tile p {
  font-size: 0.72rem; font-weight: 300;
  color: var(--gray-600);
  margin-bottom: 0.5rem;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

/* How it works — pill grid (screenshot style) */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.65rem;
  max-width: 640px;
  margin: 0 auto 1rem;
}
.step-pill {
  display: flex; align-items: center; gap: 0.6rem;
  padding: 0.65rem 1rem;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
}
.step-pill__num {
  width: 26px; height: 26px; flex-shrink: 0;
  background: var(--royal-blue);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem; font-weight: 600;
  font-family: var(--font);
}
.step-pill__text {
  font-size: 0.82rem; font-weight: 500;
  color: var(--royal-blue);
}

/* Trust bar — 6 desktop / 3×3 mobile */
.trust-bar--app {
  padding: 1.1rem 0;
  background: linear-gradient(180deg, var(--white), var(--gray-50));
  border-bottom: 1px solid var(--gray-100);
}
.trust-app-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0.65rem 0.5rem;
}
.trust-app-grid--six { grid-template-columns: repeat(6, 1fr); }
.trust-app-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 0.45rem;
  padding: 0.5rem 0.25rem;
  border-radius: 10px;
  transition: background 0.25s, transform 0.25s;
}
.trust-app-item:hover {
  background: rgba(0,76,143,0.05);
  transform: translateY(-2px);
}
.trust-app-item__icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, #e8f0fa, #fff);
  border: 1px solid var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--royal-blue);
  box-shadow: var(--shadow-sm);
}
.trust-app-item__icon svg { width: 22px; height: 22px; stroke-width: 1.5; }
.trust-app-item span {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.25;
}

/* Process zigzag */
.process-section { overflow: hidden; }
.process-zigzag {
  position: relative;
  max-width: 720px;
  margin: 0 auto;
  padding: 0.5rem 0 1rem;
}
.process-zigzag::before {
  content: '';
  position: absolute;
  left: 50%;
  top: 24px;
  bottom: 24px;
  width: 2px;
  background: linear-gradient(180deg, var(--royal-blue), var(--green));
  transform: translateX(-50%);
  opacity: 0.25;
  border-radius: 2px;
}
.process-step {
  position: relative;
  display: flex;
  width: 50%;
  padding: 0.65rem 1.25rem 0.65rem 0;
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.process-step.is-visible {
  opacity: 1;
  transform: translateY(0);
}
.process-step--left {
  margin-right: auto;
  padding-right: 2rem;
  justify-content: flex-end;
}
.process-step--right {
  margin-left: auto;
  padding-left: 2rem;
  justify-content: flex-start;
}
.process-step__card {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  padding: 1rem 1.1rem;
  box-shadow: var(--shadow-sm);
  max-width: 280px;
  width: 100%;
  transition: box-shadow 0.3s, transform 0.3s;
}
.process-step--left .process-step__card { margin-left: auto; }
.process-step:hover .process-step__card {
  box-shadow: var(--shadow-md);
  transform: scale(1.02);
}
.process-step__num {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 600;
  font-family: var(--font);
}
.process-step__body h3 {
  font-size: 0.95rem;
  margin-bottom: 0.25rem;
  color: var(--navy);
}
.process-step__body p {
  font-size: 0.8rem;
  font-weight: 300;
  color: var(--gray-600);
  line-height: 1.45;
  margin: 0;
}

/* Testimonials — home grid */
.testimonials-wrap { margin-top: 0.5rem; }
.testimonial-grid--home {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.testimonial--card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 14px;
  padding: 1.25rem;
  box-shadow: var(--shadow-sm);
  height: 100%;
  display: flex;
  flex-direction: column;
}
.testimonial--card .testimonial__text { flex: 1; }

/* ========== SERVICE DETAIL PAGES (redesign) ========== */
.svc-hero {
  background: linear-gradient(180deg, var(--gray-50) 0%, var(--white) 100%);
  padding: 1.5rem 0 2rem;
  border-bottom: 1px solid var(--gray-100);
}
.svc-breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.82rem;
  color: var(--gray-600);
  margin-bottom: 1.25rem;
}
.svc-breadcrumb a { color: var(--royal-blue); }
.svc-breadcrumb a:hover { color: var(--green-dark); }
.svc-breadcrumb span:last-child { color: var(--navy); font-weight: 500; }
.svc-hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: center;
}
.svc-hero__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(30,90,168,0.12), rgba(102,204,0,0.15));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  margin-bottom: 1rem;
}
.svc-hero__content h1 {
  font-size: clamp(1.5rem, 3.5vw, 2.1rem);
  margin-bottom: 0.65rem;
  color: var(--navy);
}
.svc-hero__lead {
  color: var(--gray-600);
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 1rem;
  max-width: 520px;
}
.svc-hero__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
}
.svc-hero__badges span {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--navy);
  background: var(--white);
  border: 1px solid var(--gray-200);
  padding: 0.35rem 0.7rem;
  border-radius: 999px;
}
.svc-hero__badges i { color: var(--green-dark); font-size: 0.75rem; }
.svc-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
}
.svc-hero__media {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
  max-height: 340px;
}
.svc-hero__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.svc-layout { background: var(--gray-50); }
.svc-layout__grid {
  display: grid;
  grid-template-columns: 1fr min(400px, 38%);
  gap: 2rem;
  align-items: start;
}
.svc-main { display: flex; flex-direction: column; gap: 1.15rem; }
.svc-highlight {
  background: linear-gradient(135deg, var(--navy) 0%, var(--royal-blue) 100%);
  color: var(--white);
  border-radius: 16px;
  padding: 1.5rem 1.75rem;
  box-shadow: var(--shadow-md);
}
.svc-highlight h2 {
  color: var(--white);
  font-size: 1.2rem;
  margin-bottom: 0.65rem;
}
.svc-highlight p {
  font-size: 0.95rem;
  line-height: 1.65;
  opacity: 0.92;
  font-weight: 300;
  margin: 0;
}
.svc-block {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 16px;
  padding: 1.35rem 1.5rem;
  box-shadow: var(--shadow-sm);
}
.svc-block__head {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--gray-100);
}
.svc-block__icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(102,204,0,0.15), rgba(30,90,168,0.1));
  color: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.svc-block__head h2 {
  font-size: 1.1rem;
  margin: 0;
  color: var(--navy);
}
.svc-block > p {
  color: var(--gray-600);
  font-size: 0.94rem;
  line-height: 1.65;
  margin: 0;
}
.svc-checklist {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.svc-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.55rem;
  font-size: 0.92rem;
  color: var(--gray-600);
  line-height: 1.5;
  padding: 0.5rem 0.65rem;
  background: var(--gray-50);
  border-radius: 10px;
}
.svc-checklist li i {
  color: var(--green-dark);
  margin-top: 3px;
  flex-shrink: 0;
}
.svc-steps {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.svc-steps li {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 0.75rem 1rem;
  background: var(--gray-50);
  border-radius: 12px;
  border-left: 3px solid var(--green);
}
.svc-steps__num {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green), var(--green-dark));
  color: var(--white);
  font-weight: 600;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font);
}
.svc-steps__text {
  font-size: 0.92rem;
  color: var(--gray-800);
  font-weight: 500;
}
.svc-related {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.svc-related__card {
  display: grid;
  grid-template-columns: 100px 1fr;
  gap: 1rem;
  padding: 0.85rem;
  border: 1px solid var(--gray-100);
  border-radius: 12px;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.25s, transform 0.25s, border-color 0.25s;
}
.svc-related__card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: rgba(102,204,0,0.35);
  color: inherit;
}
.svc-related__img {
  border-radius: 10px;
  overflow: hidden;
  aspect-ratio: 1;
}
.svc-related__img img { width: 100%; height: 100%; object-fit: cover; }
.svc-related__body h3 {
  font-size: 0.95rem;
  margin-bottom: 0.25rem;
  color: var(--navy);
}
.svc-related__body p {
  font-size: 0.8rem;
  color: var(--gray-600);
  line-height: 1.45;
  margin-bottom: 0.35rem;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.svc-related__link {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--green-dark);
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.svc-sidebar {
  display: flex;
  flex-direction: column;
  gap: 1rem;
  position: sticky;
  top: calc(var(--bank-header-h, 150px) + 1rem);
}
.svc-sidebar .enquiry-form-card,
.svc-sidebar .form-card {
  border-radius: 16px;
  border: 1px solid var(--gray-100);
  box-shadow: var(--shadow-md);
  padding: 1.5rem;
  background: var(--white);
}
.svc-sidebar__help {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 14px;
  padding: 1.15rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.svc-sidebar__help h4 {
  font-size: 0.95rem;
  color: var(--navy);
  margin-bottom: 0.65rem;
}
.svc-sidebar__phone {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.75rem;
}
.svc-sidebar__phone i { color: var(--green-dark); }

.svc-cta-strip {
  background: linear-gradient(135deg, var(--navy), var(--royal-blue));
  padding: 1.75rem 0;
}
.svc-cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
}
.svc-cta-strip__inner strong {
  display: block;
  color: var(--white);
  font-size: 1.1rem;
  margin-bottom: 0.25rem;
}
.svc-cta-strip__inner span {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
}

.enquiry-form-card__title {
  font-size: 1.15rem;
  margin-bottom: 0.25rem;
  color: var(--navy);
}
.enquiry-form-card__sub {
  font-size: 0.8rem;
  color: var(--gray-600);
  margin-bottom: 1rem;
}
.enquiry-form-card__call {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--gray-600);
  text-align: center;
}
.enquiry-form-card .form-group { margin-bottom: 1rem; }
.form-card--sticky { position: sticky; top: calc(var(--bank-header-h, 150px) + 1rem); }

/* Legacy inner page cards */
.content-block--card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: 14px;
  padding: 1.35rem 1.5rem;
  box-shadow: var(--shadow-sm);
}
.card--link { text-decoration: none; color: inherit; transition: transform 0.25s, box-shadow 0.25s; }
.card--link:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); color: inherit; }

.cta-banner__btns { display: flex; flex-wrap: wrap; gap: 0.6rem; justify-content: center; }

.side-rail__icon--info svg { width: 14px; height: 14px; }
.side-rail__icon--pct { font-weight: 700; font-size: 0.9rem; }

.benefit-grid--compact { gap: 0.75rem; }
.benefit-grid--compact .benefit-card { padding: 1rem; }

.testimonial-scroll {
  overflow-x: auto;
  scrollbar-width: none;
  -webkit-overflow-scrolling: touch;
}
.testimonial-scroll::-webkit-scrollbar { display: none; }
.testimonial-track {
  display: flex; gap: 0.85rem;
  scroll-snap-type: x mandatory;
  padding-bottom: 0.25rem;
}
.testimonial--compact {
  flex: 0 0 min(300px, 88vw);
  scroll-snap-align: start;
  padding: 1.25rem;
}
.cta-banner--compact { padding: 1.75rem 1.5rem; }

/* Footer mobile compact */
.site-footer__top-mobile { display: none; }
.site-footer__contact--compact li a,
.site-footer__contact--compact li span {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.82rem;
}

/* Homepage + global mobile app */
@media (max-width: 768px) {
  body { font-size: 15px; }
  .container { width: min(100%, 96%); }

  /* Top bar */
  .top-bar__row { min-height: 32px; gap: 0.4rem; padding: 0.2rem 0; }
  .top-bar__skip { display: none; }
  .top-bar__marquee-item { font-size: 0.75rem; }
  .top-bar__link-text { display: none; }

  /* Header: logo left, Consult right — full width */
  .main-header .container,
  .top-bar .container { width: 100%; max-width: 100%; padding-left: 12px; padding-right: 12px; }
  .main-header__inner {
    width: 100%;
    justify-content: space-between;
    gap: 0.5rem;
    min-height: 52px;
    padding: 0;
  }
  .bank-logo {
    flex: 0 0 auto;
    margin-right: auto;
  }
  .bank-logo .site-logo__img { height: 40px; }
  .main-header__actions {
    flex: 0 0 auto;
    margin-left: 0;
    gap: 0.5rem;
  }
  .main-header__complaint,
  .main-header__icon { display: none !important; }
  .btn--consult {
    padding: 0.55rem 1.1rem !important;
    font-size: 0.88rem !important;
    border-radius: 6px !important;
    white-space: nowrap;
  }
  .main-header__actions .btn--red > .show-mobile-only { display: inline !important; }
  .main-header__actions .btn--red > .hide-mobile { display: none !important; }

  /* Hero slider — FIX visibility */
  .hero-slider { display: block !important; min-height: 220px; }
  .hero-slider__viewport { min-height: 220px; }
  .hero-slider__track--desktop { display: none !important; }
  .hero-slider__track--mobile { display: block !important; }
  .hero-slider__slide.is-active { display: block !important; }
  .hero-slider__slide img {
    min-height: 240px;
    max-height: 320px;
    width: 100%;
    object-fit: cover;
    object-position: center top;
  }
  .quick-help-section__head { flex-direction: column; align-items: flex-start; }
  .quick-help-grid,
  .quick-help-grid--six {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
    overflow: visible;
  }
  .quick-help-card { min-height: 0; }
  .trust-app-grid,
  .trust-app-grid--six {
    grid-template-columns: repeat(3, 1fr);
    gap: 0.75rem 0.5rem;
  }
  .trust-app-item span { font-size: 0.74rem; }
  .process-zigzag::before { display: none; }
  .process-step {
    width: 100%;
    padding: 0.5rem 0 !important;
    margin: 0 !important;
    justify-content: stretch !important;
  }
  .process-step__card { max-width: 100%; }
  .process-step--left .process-step__card,
  .process-step--right .process-step__card { margin: 0; }
  .process-step--left .process-step__card { border-left: 3px solid var(--green); }
  .process-step--right .process-step__card { border-left: 3px solid var(--green); }
  .testimonial-grid--home {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    gap: 0.85rem;
    padding-bottom: 0.35rem;
    scrollbar-width: none;
  }
  .testimonial-grid--home::-webkit-scrollbar { display: none; }
  .testimonial-grid--home .testimonial--card {
    flex: 0 0 min(300px, 85vw);
    scroll-snap-align: start;
  }
  .svc-hero__grid { grid-template-columns: 1fr; }
  .svc-hero__media { order: -1; max-height: 240px; }
  .svc-layout__grid { grid-template-columns: 1fr; }
  .svc-sidebar { position: static; }
  .svc-cta-strip__inner { flex-direction: column; text-align: center; }
  .svc-related__card { grid-template-columns: 80px 1fr; }
  .form-card--sticky { position: static; }
  .float-desktop-only { display: none !important; }

  /* Hero intro text — slightly larger */
  .hero-intro { padding: 1rem 0; }
  .hero-intro__inner { grid-template-columns: 1fr; }
  .hero-intro__eyebrow { font-size: 0.78rem; }
  .hero-intro h1 { font-size: 1.3rem; line-height: 1.35; }
  .hero-intro p { font-size: 0.92rem; }
  .hero-intro__promo {
    display: flex; align-items: center; gap: 1rem;
    text-align: left; padding: 0.85rem 1rem;
  }
  .hero-intro__rate { font-size: 1.6rem; }
  .hero-intro__pill { margin-left: auto; font-size: 0.72rem; }

  /* Section typography */
  .section__label { font-size: 0.78rem; }
  .section__title { font-size: 1.25rem; }
  .section__desc { font-size: 0.92rem; }
  .section { padding: 1.35rem 0; }
  .section--tight { padding: 1.15rem 0; }
  .card__text, .problem-card p, .quick-help-card p { font-size: 0.88rem; }
  .card__title, .quick-help-card h3 { font-size: 0.95rem; }
  .faq-item__btn { font-size: 0.92rem; }
  .page-hero h1 { font-size: 1.45rem; }
  .page-hero p { font-size: 0.92rem; }
  .tools-grid {
    display: flex;
    gap: 0.75rem;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    padding-bottom: 0.25rem;
    scrollbar-width: none;
  }
  .tools-grid::-webkit-scrollbar { display: none; }
  .tool-card {
    flex: 0 0 160px;
    scroll-snap-align: start;
    padding: 1rem 0.75rem;
  }
  .tool-card h3 { font-size: 0.8rem; min-height: auto; }
  .feature-split { grid-template-columns: 1fr; }
  .feature-split__content { padding: 1rem; }
  .side-rail { display: none; }
  .page-home .site-main { padding-top: 0; }
  .steps-grid { max-width: 100%; gap: 0.5rem; }
  .step-pill { padding: 0.55rem 0.85rem; }
  .step-pill__text { font-size: 0.78rem; }
  .footer-cta__inner { flex-direction: column; text-align: center; padding: 1rem; }
  .footer-cta__actions { justify-content: center; }
  .footer-cta__text strong { font-size: 0.95rem; }
  .footer-cta__text span { font-size: 0.85rem; }

  /* Footer — 2 columns slim */
  .site-footer__main { padding-top: 1.25rem; }
  .site-footer__top-mobile {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .site-footer__top-mobile .site-logo__img { height: 36px; filter: brightness(0) invert(1); }
  .hide-mobile-footer-brand { display: none !important; }
  .site-footer__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem 0.65rem;
  }
  .site-footer__col h4 {
    font-size: 0.82rem;
    margin-bottom: 0.5rem;
  }
  .site-footer__col ul li { font-size: 0.8rem; margin-bottom: 0.35rem; }
  .site-footer__col--contact { grid-column: 1 / -1; }
  .site-footer__hours { font-size: 0.78rem; margin-top: 0.35rem; }
  .site-footer__legal {
    gap: 0.65rem 1rem;
    font-size: 0.75rem;
    padding: 1rem 0;
  }
  .site-footer__bottom { font-size: 0.72rem; }
  .site-footer__disclaimer { font-size: 0.68rem; }

  .trust-app-item span { font-size: 0.72rem; }
  .trust-app-item__icon i { font-size: 1.2rem !important; }

  .hero-intro__cta .btn { flex: 1; min-width: 0; justify-content: center; padding: 0.8rem 0.5rem; font-size: 0.88rem; }
  .sticky-cta { display: flex; bottom: calc(var(--bottom-nav-h) + 6px); }
  .form-control { font-size: 16px; }
  .btn { font-size: 0.9rem; }

  /* Inner pages — app-like cards */
  .page-hero { padding: 1.35rem 0; }
  .breadcrumb { font-size: 0.82rem; margin-bottom: 0.5rem; }
  .info-card { padding: 1rem; border-radius: 14px; }
  .info-card strong { font-size: 0.95rem; }
  .info-card p { font-size: 0.9rem; }
  .form-card { padding: 1.25rem; border-radius: 14px; }
  .legal-form-wrap { padding: 1.15rem; }
  .service-card, .blog-card { border-radius: 14px; }
  .timeline-item { font-size: 0.9rem; }

  /* Bottom nav tweaks on small screens */
  .bottom-nav__pill span { font-size: 0.7rem; }
}

@media (max-width: 768px) and (min-width: 400px) {
  .site-footer__grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .site-footer__col--contact { grid-column: 1 / -1; }
}

@media (min-width: 769px) and (max-width: 1200px) {
  .sub-nav__link { font-size: 0.8rem; padding: 0.65rem 0.35rem; }
  .quick-help-grid--six { grid-template-columns: repeat(3, 1fr); }
}

@media (min-width: 769px) {
  .sub-nav-mobile { display: none !important; }
  .hero-slider__slide img { max-height: 420px; }
  .sticky-cta { display: none !important; }
  .trust-app-grid,
  .trust-app-grid--six { grid-template-columns: repeat(6, 1fr); }
  .testimonial-grid--home { grid-template-columns: repeat(3, 1fr); }
  .hero-slider__track--mobile { display: none !important; }
  .hero-slider__track--desktop { display: block !important; }
  .float-btn--whatsapp { bottom: 20px; right: 14px; width: 52px; height: 52px; }
  .float-btn--call { bottom: 82px; right: 14px; width: 52px; height: 52px; }
}

@media (min-width: 1024px) {
  .site-footer__grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; }
}

/* Toast below bank header */
.has-bank-header .toast { top: 155px; }
@media (max-width: 768px) { .has-bank-header .toast { top: 115px; } }