:root {
  --accent: #0c8f78;
  --accent-dark: #0a6e5d;
  --accent-soft: #dff5ef;
  --ink: #0f172a;
  --ink-soft: #475569;
  --surface: #f5f7f2;
  --surface-strong: #edf3ee;
  --white: #ffffff;
  --border: rgba(15, 23, 42, 0.12);
  --shadow-lg: 0 28px 80px rgba(15, 23, 42, 0.18);
  --shadow-md: 0 20px 40px rgba(15, 23, 42, 0.1);
  --radius-xl: 32px;
  --radius-lg: 24px;
  --radius-md: 18px;
  --radius-sm: 14px;
}

body.site-shell {
  font-family: "Manrope", sans-serif;
  color: var(--ink);
  background:
    radial-gradient(circle at top left, rgba(12, 143, 120, 0.16), transparent 34%),
    linear-gradient(180deg, #f8fbf7 0%, #eef4ef 100%);
}

body.site-shell h1,
body.site-shell h2,
body.site-shell h3,
body.site-shell h4,
body.site-shell h5,
body.site-shell h6 {
  color: var(--ink);
  font-family: "Sora", sans-serif;
  line-height: 1.1;
}

body.site-shell p {
  color: var(--ink-soft);
}

body.site-shell .page-wrapper {
  overflow: hidden;
}

/* =====================================================
   HEADER — TWO-TIER FLAT LAYOUT
   ===================================================== */

.site-header {
  position: relative;
  z-index: 100;
}

/* — Topbar — */
.site-topbar {
  background: linear-gradient(90deg, #082f2a 0%, #0b4f44 100%);
  padding: 9px 0;
  transition: opacity 0.3s ease, max-height 0.3s ease;
  overflow: hidden;
  max-height: 60px;
}

.site-topbar .topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.site-topbar .topbar-meta {
  display: flex;
  align-items: center;
  gap: 20px;
}

.site-topbar .topbar-right {
  display: flex;
  align-items: center;
  gap: 18px;
}

.site-topbar .translate-shell {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-height: 34px;
  padding: 0 10px;
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 999px;
  background: rgba(255,255,255,0.08);
}

.site-topbar .translate-shell i {
  color: #54e3c5;
  font-size: 15px;
}

.site-topbar .meta-pill {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: rgba(255,255,255,0.82);
  font-size: 12.5px;
  text-decoration: none;
  letter-spacing: 0.01em;
}

.site-topbar .meta-pill i {
  font-size: 13px;
  color: #54e3c5;
}

.site-topbar .topbar-signin {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 7px 16px;
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 999px;
  color: rgba(255,255,255,0.9);
  font-size: 12.5px;
  font-weight: 600;
  text-decoration: none;
  transition: background 0.2s;
}

.site-topbar .topbar-signin:hover {
  background: rgba(255,255,255,0.1);
  color: #fff;
}

.site-topbar #google_translate_element {
  min-height: 16px;
  height: 28px;
  overflow: hidden;
}

/* Google Translate — blend into dark topbar */
#google_translate_element .goog-te-gadget {
  font-size: 0 !important;
  color: transparent !important;
  height: 28px !important;
  overflow: hidden !important;
  line-height: 0 !important;
}

#google_translate_element .goog-logo-link,
#google_translate_element .goog-te-gadget > span,
#google_translate_element .goog-te-gadget img,
#google_translate_element .VIpgJd-ZVi9od-l4eHX-hSRGPd,
#google_translate_element .VIpgJd-ZVi9od-l4eHX-hSRGPd img {
  display: none !important;
}

#google_translate_element .goog-te-combo {
  appearance: none;
  -webkit-appearance: none;
  min-width: 138px;
  height: 28px;
  background: transparent url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6'%3E%3Cpath d='M0 0l5 6 5-6z' fill='rgba(255,255,255,0.7)'/%3E%3C/svg%3E") no-repeat right 2px center;
  border: 0;
  border-radius: 0;
  color: rgba(255,255,255,0.88);
  font-family: "Manrope", sans-serif;
  font-size: 12px;
  font-weight: 700;
  line-height: 28px;
  margin: 0 !important;
  padding: 0 18px 0 0;
  cursor: pointer;
  outline: none;
}

#google_translate_element .goog-te-combo:hover {
  color: #fff;
}

#google_translate_element .goog-te-combo option {
  background: #082f2a;
  color: #fff;
}

/* — Main nav bar — */
.header-main {
  background: #fff;
  border-bottom: 1px solid rgba(15,23,42,0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  height: 74px;
  gap: 0;
}

/* Brand */
.site-brand {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
  margin-right: 36px;
}

.site-brand img {
  max-height: 46px;
  width: auto;
}

.site-brand .brand-name {
  font-family: "Sora", sans-serif;
  font-size: 16px;
  font-weight: 700;
  color: var(--ink);
  white-space: nowrap;
}

/* Desktop nav */
.header-inner .nav-outer {
  flex: 1 1 auto;
  min-width: 0;
  display: flex;
  justify-content: center;
}

.main-menu .navigation {
  display: flex;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: 0;
  flex-wrap: nowrap;
  white-space: nowrap;
}

.main-menu .navigation > li {
  position: relative;
  margin: 0;
}

.main-menu .navigation > li > a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
  min-height: 42px;
  padding: 8px 14px;
  border-radius: 6px;
  color: #334155;
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1;
  letter-spacing: 0.01em;
  white-space: nowrap;
  text-decoration: none;
  transition: color 0.2s, background 0.2s;
}

.main-menu .navigation > li.dropdown > a::before,
.main-menu .navigation > li.dropdown > a::after,
.main-menu .navigation li.dropdown > a::before,
.main-menu .navigation li.dropdown > a::after {
  display: none !important;
  content: none !important;
}

.main-menu .navigation > li.dropdown > a span.nav-caret,
.main-menu .navigation > li.dropdown > a .nav-caret {
  display: inline-block;
  flex: 0 0 auto;
  width: 6px;
  height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  margin-left: 4px;
  opacity: 0.55;
}

.header-main .main-menu .navigation > li > .dropdown-btn {
  display: none !important;
}

.main-menu .navigation > li.current > a,
.main-menu .navigation > li:hover > a {
  color: var(--accent-dark);
  background: rgba(12,143,120,0.07);
}

/* Dropdown menus */
.main-menu .navigation li ul {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 220px;
  padding: 10px;
  border: 1px solid rgba(15,23,42,0.09);
  border-radius: 14px;
  background: #fff;
  box-shadow: 0 20px 50px rgba(15,23,42,0.12);
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.22s, transform 0.22s;
  list-style: none;
  z-index: 200;
}

.main-menu .navigation li ul.from-right {
  left: auto;
  right: 0;
}

.main-menu .navigation li:hover > ul {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.main-menu .navigation li ul li a {
  display: block;
  padding: 10px 14px;
  border-radius: 9px;
  color: #475569;
  font-size: 13.5px;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.18s, background 0.18s;
}

.main-menu .navigation li ul li a:hover {
  color: var(--accent-dark);
  background: rgba(12,143,120,0.07);
}

/* Right CTA actions */
.header-actions {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-left: 28px;
}

.hdr-open-btn {
  display: inline-flex;
  align-items: center;
  padding: 10px 22px;
  border-radius: 999px;
  background: linear-gradient(135deg, #0c8f78 0%, #0b7f9a 100%);
  color: #fff !important;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
  box-shadow: 0 8px 24px rgba(12,143,120,0.28);
  transition: box-shadow 0.2s, opacity 0.2s;
}

.hdr-open-btn:hover {
  opacity: 0.92;
  color: #fff !important;
}

.hdr-signin-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  min-height: 40px;
  padding: 0 18px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.2);
  background: rgba(12,143,120,0.08);
  color: var(--accent-dark) !important;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.2s, border-color 0.2s;
}

.hdr-signin-btn:hover {
  background: rgba(12,143,120,0.14);
  border-color: rgba(12,143,120,0.32);
  color: var(--accent-dark) !important;
}

/* Mobile toggler */
.mobile-nav-toggler {
  display: none;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border: none;
  border-radius: 10px;
  background: var(--ink);
  color: #fff;
  font-size: 20px;
  cursor: pointer;
  margin-left: 8px;
}

/* ---- STICKY HEADER ---- */
.main-header.fixed-header .site-topbar {
  max-height: 0;
  opacity: 0;
  padding: 0;
  pointer-events: none;
}

.main-header.fixed-header .header-main {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  box-shadow: 0 4px 28px rgba(15,23,42,0.11);
  animation: slideNavDown 0.3s ease forwards;
}

@keyframes slideNavDown {
  from { transform: translateY(-100%); }
  to   { transform: translateY(0); }
}

/* ---- RESPONSIVE ---- */
@media (max-width: 1024px) {
  .header-inner .nav-outer,
  .hdr-signin-btn { display: none; }
  .mobile-nav-toggler { display: inline-flex; }
  .site-brand { margin-right: auto; }
}

@media (max-width: 767px) {
  .site-topbar .topbar-meta .meta-pill:not(:first-child) { display: none; }
  .hdr-open-btn { display: none; }
}


/* =====================================================
   HERO SLIDER — MINIMAL FINANCE STYLE
   ===================================================== */

.hero-modern {
  position: relative;
}

.hero-slide {
  position: relative;
  min-height: 100vh;
  background-size: cover;
  background-position: center;
  display: flex;
  align-items: center;
}

.hero-slide::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(6,16,22,0.88) 0%,
    rgba(6,16,22,0.72) 50%,
    rgba(6,16,22,0.30) 100%
  );
}

.hero-slide-inner {
  position: relative;
  z-index: 2;
  width: 100%;
  padding: 140px 0 120px;
}

.hero-copy {
  max-width: 600px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 28px;
  padding: 8px 16px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
  color: rgba(255,255,255,0.85);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

.hero-copy h1 {
  font-size: clamp(40px, 5.5vw, 68px);
  line-height: 1.08;
  font-weight: 800;
  color: #fff !important;
  margin-bottom: 22px;
}

.hero-copy p {
  font-size: 17px;
  line-height: 1.75;
  color: rgba(255,255,255,0.88) !important;
  margin-bottom: 40px;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-primary-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 16px 30px;
  border-radius: 999px;
  background: linear-gradient(135deg, #12b394 0%, #0b7f9a 100%);
  color: #fff !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  box-shadow: 0 18px 40px rgba(12,143,120,0.34);
  transition: opacity 0.2s;
}

.hero-primary-btn:hover {
  opacity: 0.9;
  color: #fff !important;
}

.hero-ghost-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 15px 28px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: rgba(255,255,255,0.9) !important;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(6px);
  transition: background 0.2s;
}

.hero-ghost-btn:hover {
  background: rgba(255,255,255,0.12);
  color: #fff !important;
}

/* Owl carousel controls inside hero */
.hero-modern .owl-dots {
  position: absolute;
  bottom: 36px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 10;
}

.hero-modern .owl-dot span {
  display: block;
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: rgba(255,255,255,0.35);
  transition: width 0.35s, background 0.2s;
}

.hero-modern .owl-dot.active span {
  width: 32px;
  background: #fff;
}

.hero-modern .owl-nav {
  position: absolute;
  right: 40px;
  bottom: 48px;
  display: flex;
  gap: 10px;
  z-index: 10;
}

.hero-modern .owl-nav button {
  width: 48px;
  height: 48px;
  border-radius: 50% !important;
  background: rgba(255,255,255,0.12) !important;
  border: 1px solid rgba(255,255,255,0.22) !important;
  color: #fff !important;
  font-size: 18px !important;
  transition: background 0.2s;
}

.hero-modern .owl-nav button:hover {
  background: rgba(255,255,255,0.24) !important;
}

@media (max-width: 767px) {
  .hero-slide { min-height: 82vh; }
  .hero-slide-inner { padding: 100px 0 90px; }
  .hero-copy h1 { font-size: 36px; }
  .hero-modern .owl-nav { display: none; }
}



.home-section {
  position: relative;
  padding: 96px 0;
}

.home-section.compact {
  padding-top: 68px;
  padding-bottom: 68px;
}

.section-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
  color: var(--accent-dark);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.section-heading {
  max-width: 740px;
  margin-bottom: 22px;
}

.section-heading h2 {
  font-size: 54px;
  margin-bottom: 18px;
}

.section-heading p {
  font-size: 17px;
  line-height: 1.9;
}

.floating-cards {
  margin-top: -84px;
  position: relative;
  z-index: 3;
}

.metric-card,
.feature-card,
.service-card,
.path-card,
.story-card,
.cta-panel,
.about-panel,
.showcase-panel,
.footer-cta-panel {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow-md);
}

.metric-card {
  height: 100%;
  padding: 28px;
}

.metric-card .metric-value {
  display: block;
  margin-bottom: 10px;
  color: var(--ink);
  font-family: "Sora", sans-serif;
  font-size: 34px;
  font-weight: 700;
}

.metric-card .metric-label {
  display: block;
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.metric-card p {
  margin-top: 12px;
  margin-bottom: 0;
}

.feature-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 28px;
  align-items: stretch;
}

.about-panel {
  display: flex;
  height: 100%;
  padding: 34px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.95) 0%, rgba(237, 243, 238, 0.96) 100%);
}

.about-panel img {
  width: 100%;
  height: 100%;
  min-height: 620px;
  border-radius: 28px;
  object-fit: cover;
}

.about-stack {
  display: grid;
  gap: 18px;
}

.feature-card,
.service-card,
.path-card,
.story-card {
  height: 100%;
  padding: 28px;
}

.feature-card i,
.service-card i,
.path-card i,
.story-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  margin-bottom: 20px;
  border-radius: 18px;
  color: var(--accent-dark);
  font-size: 24px;
  background: var(--accent-soft);
}

.feature-card h4,
.service-card h4,
.path-card h4,
.story-card h4 {
  margin-bottom: 12px;
  font-size: 24px;
}

.feature-card p,
.service-card p,
.path-card p,
.story-card p {
  margin-bottom: 0;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
}

.surface-band {
  background: linear-gradient(180deg, rgba(237, 243, 238, 0.96) 0%, rgba(255, 255, 255, 0.98) 100%);
}

.path-card {
  position: relative;
  padding-top: 34px;
}

.path-step {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  margin-bottom: 18px;
  border-radius: 50%;
  color: var(--white);
  font-size: 15px;
  font-weight: 800;
  background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
}

.showcase-panel {
  padding: 40px;
  background: linear-gradient(135deg, #0d1f26 0%, #0b4f44 55%, #0d6d7e 100%);
}

.showcase-panel h2,
.showcase-panel p,
.showcase-panel .section-kicker,
.showcase-stat strong,
.showcase-stat span {
  color: var(--white);
}

body.site-shell .showcase-panel h2,
body.site-shell .showcase-panel p,
body.site-shell .showcase-panel .section-kicker,
body.site-shell .showcase-stat strong,
body.site-shell .showcase-stat span {
  color: var(--white) !important;
}

body.site-shell .showcase-panel p,
body.site-shell .showcase-stat span {
  color: rgba(255,255,255,0.82) !important;
}

.showcase-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 320px);
  gap: 28px;
  align-items: center;
}

.showcase-logos {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  margin-top: 28px;
}

.showcase-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 94px;
  padding: 20px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 22px;
  background: rgba(255, 255, 255, 0.06);
}

.showcase-logo img {
  max-height: 32px;
  filter: grayscale(1) brightness(100);
  opacity: 0.88;
}

.showcase-stats {
  display: grid;
  gap: 16px;
}

.showcase-stat {
  padding: 22px 24px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.08);
}

.showcase-stat strong {
  display: block;
  font-size: 32px;
  font-weight: 800;
}

.showcase-stat span {
  display: block;
  margin-top: 6px;
  color: rgba(255, 255, 255, 0.76);
}

.story-card .story-meta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.cta-panel {
  position: relative;
  overflow: hidden;
  padding: 44px;
  background: linear-gradient(135deg, #0d1f26 0%, #0b4f44 58%, #0d6d7e 100%);
}

.cta-panel::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(13,31,38,0.94) 0%, rgba(11,79,68,0.84) 54%, rgba(13,109,126,0.7) 100%),
    url("../images/background/rel.webp") center/cover no-repeat;
  opacity: 0.92;
}

.cta-panel > .row {
  position: relative;
  z-index: 1;
}

body.site-shell .cta-panel h2,
body.site-shell .cta-panel p,
body.site-shell .cta-panel .section-kicker {
  color: var(--white) !important;
}

body.site-shell .cta-panel p {
  color: rgba(255,255,255,0.82) !important;
}

.cta-proof-grid {
  display: grid;
  gap: 12px;
}

.cta-proof-item {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  min-height: 58px;
  padding: 14px 16px;
  border-radius: 18px;
  border: 1px solid rgba(255,255,255,0.14);
  background: rgba(255,255,255,0.09);
  color: rgba(255,255,255,0.92);
  font-size: 14px;
  font-weight: 800;
  backdrop-filter: blur(10px);
}

.cta-proof-item i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: rgba(84,227,197,0.14);
  color: #54e3c5;
  font-size: 18px;
}

.site-footer {
  margin-top: 28px;
  padding: 0 0 34px;
  background: transparent;
}

.footer-cta-panel {
  padding: 38px 42px;
  margin-bottom: 28px;
  background: linear-gradient(135deg, #0d1f26 0%, #0b4f44 55%, #0d6d7e 100%);
}

.main-footer.site-footer .footer-cta-panel h3,
.main-footer.site-footer .footer-cta-panel p,
.main-footer.site-footer .footer-cta-panel a,
.main-footer.site-footer .footer-cta-panel span,
.main-footer.site-footer .footer-cta-panel .section-kicker {
  color: var(--white) !important;
}

.main-footer.site-footer .footer-cta-panel p {
  color: rgba(255, 255, 255, 0.78) !important;
}

.footer-shell {
  padding: 46px 44px 22px;
  border: 1px solid var(--border);
  border-radius: 36px;
  background: rgba(255, 255, 255, 0.94);
  box-shadow: var(--shadow-md);
}

.footer-brand {
  margin-bottom: 18px;
}

.footer-brand img {
  max-height: 56px;
}

.footer-copy {
  margin-bottom: 24px;
}

.footer-label {
  margin-bottom: 18px;
  color: var(--ink);
  font-size: 15px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.footer-links,
.footer-contact-list {
  display: grid;
  gap: 12px;
}

.footer-links a,
.footer-contact-list a,
.footer-contact-list span {
  color: var(--ink-soft);
  font-size: 15px;
  font-weight: 600;
}

.footer-links a:hover,
.footer-contact-list a:hover {
  color: var(--accent-dark);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid rgba(15, 23, 42, 0.08);
}

.footer-badges {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.footer-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border-radius: 999px;
  color: var(--ink);
  font-size: 13px;
  font-weight: 700;
  background: var(--surface-strong);
}

.scroll-to-top {
  right: 22px;
  bottom: 22px;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.24);
  background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  line-height: 1;
  box-shadow: 0 16px 36px rgba(12,143,120,0.32);
}

.scroll-to-top:hover {
  color: #fff;
  background: linear-gradient(135deg, var(--accent-dark) 0%, #0a6f87 100%);
}

@media only screen and (max-width: 1199px) {
  .site-header-shell {
    padding: 18px 20px;
    border-radius: 28px;
  }

  .main-header .nav-outer,
  .header-outline-btn,
  .header-primary-btn {
    display: none;
  }

  .mobile-nav-toggler {
    display: inline-flex;
  }

  .hero-slide {
    min-height: 700px;
    padding-top: 74px;
  }

  .hero-copy {
    padding-right: 0;
  }

  .hero-copy h1 {
    font-size: 60px;
  }

  .hero-side-panel {
    margin-top: 30px;
    max-width: 100%;
  }

  .feature-layout,
  .showcase-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .showcase-logos {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .site-topbar .topbar-inner,
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .hero-slide {
    min-height: auto;
    padding: 62px 0 110px;
  }

  .hero-copy h1,
  .section-heading h2 {
    font-size: 46px;
  }

  .hero-stat-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .floating-cards {
    margin-top: 0;
    padding-top: 36px;
  }

  .home-section {
    padding: 72px 0;
  }

  .footer-shell,
  .footer-cta-panel,
  .cta-panel,
  .showcase-panel {
    padding: 32px 28px;
  }
}

@media only screen and (max-width: 767px) {
  .site-topbar {
    padding: 12px 0;
  }

  .site-topbar .topbar-meta,
  .site-topbar .topbar-actions {
    gap: 10px;
  }

  .site-header-shell {
    padding: 14px 16px;
    border-radius: 22px;
  }

  .site-brand-copy {
    display: none;
  }

  .hero-modern {
    padding-top: 18px;
  }

  .hero-slide {
    border-bottom-left-radius: 28px;
    border-bottom-right-radius: 28px;
  }

  .hero-copy h1,
  .section-heading h2 {
    font-size: 36px;
  }

  .hero-copy p {
    font-size: 16px;
  }

  .hero-actions,
  .cta-panel .cta-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-primary-btn,
  .hero-secondary-btn {
    width: 100%;
  }

  .hero-stat-grid,
  .showcase-logos {
    grid-template-columns: minmax(0, 1fr);
  }

  .metric-card,
  .feature-card,
  .service-card,
  .path-card,
  .story-card,
  .about-panel,
  .footer-shell {
    padding: 24px;
  }

  .footer-shell,
  .footer-cta-panel,
  .cta-panel,
  .showcase-panel {
    padding: 24px 20px;
  }
}

.mobile-menu {
  background: rgba(10, 15, 18, 0.6);
}

.mobile-menu .menu-box {
  max-width: 340px;
  padding: 24px;
  background: #ffffff;
}

.mobile-menu .menu-box .nav-logo {
  margin-bottom: 18px;
}

.mobile-menu .menu-box .menu-outer .navigation li {
  position: relative;
  border-bottom: 1px solid rgba(15, 23, 42, 0.08);
}

.mobile-menu .menu-box .menu-outer .navigation li a {
  display: block;
  padding: 14px 0;
  color: var(--ink);
  font-size: 15px;
  font-weight: 700;
}

.mobile-menu .menu-box .menu-outer .navigation li ul {
  padding: 0 0 12px 16px;
}

.mobile-menu .menu-box .menu-outer .navigation li ul li {
  border-bottom: 0;
}

.mobile-menu .close-btn {
  right: 18px;
  top: 16px;
  color: var(--white);
}

/* =====================================================
   RESPONSIVE HARDENING FOR REDESIGNED PUBLIC PAGES
   ===================================================== */

@media only screen and (max-width: 1199px) {
  .header-inner {
    height: 70px;
  }

  .site-brand {
    margin-right: auto;
  }

  .site-brand img {
    max-height: 42px;
  }

  .header-inner .nav-outer {
    display: none !important;
  }

  .mobile-nav-toggler {
    display: inline-flex !important;
  }

  .hero-slide {
    min-height: 720px;
  }

  .feature-layout,
  .showcase-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .about-panel img {
    min-height: 460px;
  }
}

@media only screen and (max-width: 991px) {
  .site-topbar .topbar-inner {
    align-items: flex-start;
  }

  .site-topbar .topbar-meta {
    gap: 10px 16px;
    flex-wrap: wrap;
  }

  .site-topbar .topbar-right {
    width: 100%;
  }

  .site-topbar .translate-shell {
    width: 100%;
    max-width: 260px;
  }

  #google_translate_element,
  #google_translate_element .goog-te-combo {
    width: 100%;
  }

  .header-actions {
    margin-left: 14px;
  }

  .hdr-signin-btn {
    display: none;
  }

  .hero-slide {
    min-height: 650px;
  }

  .hero-slide-inner {
    padding: 112px 0 96px;
  }

  .home-section,
  .home-section.compact {
    padding: 64px 0;
  }

  .floating-cards {
    margin-top: 0;
    padding-top: 42px;
  }

  .section-heading {
    margin-bottom: 26px;
  }

  .section-heading h2,
  .cta-panel h2,
  .showcase-panel h2 {
    font-size: 38px;
  }

  .showcase-logos {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media only screen and (max-width: 767px) {
  body.site-shell .page-wrapper {
    overflow: hidden;
  }

  .auto-container {
    padding-left: 18px;
    padding-right: 18px;
  }

  .site-topbar {
    padding: 10px 0;
  }

  .site-topbar .topbar-inner {
    gap: 10px;
  }

  .site-topbar .topbar-meta .meta-pill {
    font-size: 11.5px;
  }

  .site-topbar .topbar-meta .meta-pill:not(:first-child) {
    display: none;
  }

  .header-inner {
    height: 66px;
  }

  .site-brand img {
    max-height: 38px;
  }

  .header-actions {
    gap: 8px;
    margin-left: 8px;
  }

  .hdr-open-btn {
    min-height: 38px;
    padding: 0 14px;
    font-size: 12px;
  }

  .mobile-nav-toggler {
    width: 40px;
    height: 40px;
    border-radius: 12px;
  }

  .hero-slide {
    min-height: 620px;
  }

  .hero-slide-inner {
    padding: 96px 0 82px;
  }

  .hero-copy {
    max-width: 100%;
  }

  .hero-eyebrow {
    margin-bottom: 18px;
    font-size: 10px;
    letter-spacing: 0.12em;
  }

  .hero-copy h1 {
    font-size: 36px;
    line-height: 1.12;
  }

  .hero-copy p {
    max-width: 100%;
    font-size: 15.5px;
    line-height: 1.65;
  }

  .hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hero-primary-btn,
  .hero-ghost-btn {
    width: 100%;
    min-height: 52px;
  }

  .hero-modern .owl-dots {
    bottom: 24px;
  }

  .home-section,
  .home-section.compact {
    padding: 54px 0;
  }

  .feature-layout {
    gap: 20px;
  }

  .about-panel,
  .metric-card,
  .feature-card,
  .service-card,
  .path-card,
  .story-card,
  .showcase-panel,
  .cta-panel,
  .footer-shell,
  .footer-cta-panel {
    padding: 22px;
    border-radius: 22px;
  }

  .about-panel img {
    min-height: 300px;
    border-radius: 18px;
  }

  .section-heading h2,
  .cta-panel h2,
  .showcase-panel h2 {
    font-size: 31px;
    line-height: 1.16;
  }

  .section-heading p,
  .cta-panel p,
  .showcase-panel p {
    font-size: 15px;
    line-height: 1.7;
  }

  .showcase-logos,
  .cta-proof-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .showcase-stat strong {
    font-size: 26px;
  }

  .cta-proof-item {
    min-height: 54px;
    padding: 12px 14px;
  }

  .footer-cta-panel .row,
  .cta-panel .row {
    row-gap: 22px;
  }

  .footer-brand img {
    max-height: 48px;
  }

  .footer-badges {
    align-items: flex-start;
  }

  .footer-badge {
    width: 100%;
    justify-content: flex-start;
  }

  .scroll-to-top {
    right: 16px;
    bottom: 16px;
    width: 46px;
    height: 46px;
    font-size: 19px;
  }
}

@media only screen and (max-width: 420px) {
  .hdr-open-btn {
    display: none;
  }

  .hero-copy h1 {
    font-size: 32px;
  }

  .section-heading h2,
  .cta-panel h2,
  .showcase-panel h2 {
    font-size: 28px;
  }
}

.mobile-menu .dropdown-btn {
  position: absolute;
  top: 8px;
  right: 0;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: rgba(12,143,120,0.08);
  color: var(--accent-dark);
}

.mobile-menu .menu-box .menu-outer .navigation li.dropdown > a {
  padding-right: 44px;
}

/* =====================================================
   CONTACT PAGE
   ===================================================== */

.contact-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at 80% 16%, rgba(84,227,197,0.18), transparent 32%),
    linear-gradient(135deg, #071b21 0%, #0c3d45 52%, #0b4f44 100%);
}

.contact-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

body.site-shell .contact-hero-copy h1,
body.site-shell .contact-hero-copy p,
body.site-shell .contact-hero-copy .section-kicker {
  color: var(--white) !important;
}

.contact-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.contact-hero-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.contact-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.contact-outline-btn,
.contact-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.contact-command-card {
  padding: 34px;
  border-radius: 34px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.12);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(14px);
}

.contact-command-top {
  padding: 30px;
  border-radius: 28px;
  background: linear-gradient(135deg, #f8fbf7, #e7f0eb);
}

.contact-command-top span,
.contact-command-top strong {
  display: block;
  color: var(--ink);
}

.contact-command-top span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.contact-command-top strong {
  font-size: 38px;
  font-weight: 800;
}

.contact-command-list {
  display: grid;
  gap: 12px;
  margin-top: 14px;
}

.contact-command-list div,
.contact-hours-strip {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 18px;
  color: var(--white);
  background: rgba(255,255,255,0.14);
}

.contact-command-list i,
.contact-hours-strip i {
  color: #8ff5d9;
  font-size: 22px;
}

.contact-command-list span,
.contact-hours-strip span {
  color: var(--white);
  font-weight: 800;
}

.contact-hours-strip {
  margin-top: 14px;
}

.contact-channel-section,
.contact-main-section,
.contact-office-section {
  padding: 82px 0;
}

.contact-channel-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.contact-channel-card,
.contact-form-panel,
.contact-support-panel,
.contact-office-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.contact-channel-card,
.contact-channel-card:hover {
  display: block;
  min-width: 0;
  padding: 28px;
  color: var(--ink);
  text-decoration: none;
}

.contact-channel-card.urgent {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .contact-channel-card.urgent span,
body.site-shell .contact-channel-card.urgent strong,
body.site-shell .contact-channel-card.urgent i {
  color: var(--white) !important;
}

.contact-channel-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.contact-channel-card span,
.contact-channel-card strong {
  display: block;
}

.contact-channel-card span {
  margin-bottom: 8px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.contact-channel-card strong {
  color: var(--ink);
  overflow-wrap: anywhere;
  font-size: 18px;
  font-weight: 800;
  line-height: 1.5;
}

.contact-main-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.contact-main-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(320px, 0.75fr);
  gap: 24px;
  align-items: start;
}

.contact-form-panel,
.contact-support-panel {
  padding: 36px;
}

.contact-form-panel h2,
.contact-support-panel h2,
.contact-office-card h2 {
  font-size: 42px;
}

.contact-form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 26px;
}

.contact-form-wide {
  grid-column: 1 / -1;
}

.contact-modern-form label {
  display: block;
  margin-bottom: 8px;
  color: var(--ink);
  font-size: 13px;
  font-weight: 800;
}

.contact-modern-form input,
.contact-modern-form textarea {
  width: 100%;
  min-height: 54px;
  padding: 14px 16px;
  border: 1px solid var(--border);
  border-radius: 16px;
  color: var(--ink);
  font-size: 15px;
  background: var(--white);
  outline: none;
}

.contact-modern-form textarea {
  min-height: 150px;
  resize: vertical;
}

.contact-modern-form input:focus,
.contact-modern-form textarea:focus {
  border-color: rgba(12,143,120,0.52);
  box-shadow: 0 0 0 4px rgba(12,143,120,0.1);
}

.contact-verify {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 190px;
  gap: 14px;
  align-items: center;
  padding: 16px;
  border-radius: 18px;
  background: var(--surface-strong);
}

.contact-verify span,
.contact-verify strong {
  display: block;
}

.contact-verify span {
  margin-bottom: 4px;
  color: var(--muted);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.contact-verify strong {
  color: var(--ink);
  font-size: 15px;
  font-weight: 800;
}

.contact-route-list {
  display: grid;
  gap: 12px;
  margin-top: 26px;
}

.contact-route-list > div {
  display: flex;
  gap: 14px;
  padding: 16px;
  border-radius: 18px;
  background: var(--surface-strong);
}

.contact-route-list i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 42px;
  width: 42px;
  height: 42px;
  border-radius: 14px;
  color: var(--white);
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.contact-route-list strong,
.contact-route-list span {
  display: block;
}

.contact-route-list strong {
  margin-bottom: 4px;
  color: var(--ink);
  font-weight: 800;
}

.contact-route-list span {
  color: var(--muted);
  line-height: 1.6;
}

.contact-office-section {
  padding-top: 0;
}

.contact-office-card {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 38px;
  align-items: center;
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .contact-office-card h2,
body.site-shell .contact-office-card .section-kicker {
  color: var(--white) !important;
}

.contact-office-tags {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.contact-office-tags span {
  display: inline-flex;
  align-items: center;
  min-height: 46px;
  padding: 0 16px;
  border-radius: 999px;
  color: var(--white);
  font-size: 14px;
  font-weight: 800;
  background: rgba(255,255,255,0.12);
}

@media only screen and (max-width: 1199px) {
  .contact-channel-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .contact-main-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media only screen and (max-width: 991px) {
  .contact-hero-grid,
  .contact-office-card {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media only screen and (max-width: 767px) {
  .contact-hero,
  .contact-channel-section,
  .contact-main-section,
  .contact-office-section {
    padding: 54px 0;
  }

  .contact-hero-copy h1,
  .contact-form-panel h2,
  .contact-support-panel h2,
  .contact-office-card h2 {
    font-size: 32px;
  }

  .contact-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .contact-outline-btn,
  .contact-hero-actions .hero-primary-btn,
  .contact-modern-form .hero-primary-btn {
    width: 100%;
  }

  .contact-command-card,
  .contact-form-panel,
  .contact-support-panel,
  .contact-office-card,
  .contact-channel-card {
    padding: 22px;
    border-radius: 22px;
  }

  .contact-command-top {
    padding: 22px;
    border-radius: 22px;
  }

  .contact-command-top strong {
    font-size: 30px;
  }

  .contact-channel-grid,
  .contact-form-grid,
  .contact-verify {
    grid-template-columns: minmax(0, 1fr);
  }
}

/* =====================================================
   LOST CARDS PAGE
   ===================================================== */

.lost-card-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at 80% 18%, rgba(238,91,76,0.18), transparent 30%),
    linear-gradient(135deg, #071b21 0%, #103540 54%, #0b4f44 100%);
}

.lost-card-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

body.site-shell .lost-card-copy h1,
body.site-shell .lost-card-copy p,
body.site-shell .lost-card-copy .section-kicker {
  color: var(--white) !important;
}

.lost-card-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.lost-card-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.lost-card-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.lost-outline-btn,
.lost-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.lost-card-control {
  padding: 34px;
  border-radius: 34px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.12);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(14px);
}

.lost-card-visual {
  position: relative;
  min-height: 230px;
  padding: 30px;
  overflow: hidden;
  border-radius: 30px;
  background:
    linear-gradient(135deg, rgba(238,91,76,0.9), rgba(11,79,68,0.92)),
    linear-gradient(135deg, #0d1f26, #0b4f44);
}

.lost-card-visual::after {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  right: -70px;
  bottom: -88px;
  border-radius: 50%;
  border: 34px solid rgba(255,255,255,0.12);
}

.lost-card-chip {
  width: 58px;
  height: 42px;
  margin-bottom: 54px;
  border-radius: 12px;
  background: linear-gradient(135deg, #f7d27a, #d69b2d);
}

.lost-card-visual span,
.lost-card-visual strong {
  position: relative;
  z-index: 2;
  display: block;
  color: var(--white);
}

.lost-card-visual span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.82;
}

.lost-card-visual strong {
  font-size: 34px;
  font-weight: 800;
}

.lost-alert-panel {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 14px;
  padding: 18px;
  border-radius: 20px;
  color: var(--white);
  background: rgba(255,255,255,0.14);
}

.lost-alert-panel i {
  color: #ffd1c7;
  font-size: 28px;
}

.lost-alert-panel span,
.lost-alert-panel strong {
  display: block;
  color: var(--white);
}

.lost-alert-panel span {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.78;
}

.lost-alert-panel strong {
  font-size: 22px;
  font-weight: 800;
}

.lost-contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.75fr) minmax(0, 1.25fr);
  gap: 12px;
  margin-top: 14px;
}

.lost-contact-grid div {
  min-width: 0;
  padding: 18px;
  border-radius: 18px;
  background: rgba(255,255,255,0.14);
}

.lost-contact-grid span,
.lost-contact-grid strong {
  display: block;
  color: var(--white);
}

.lost-contact-grid span {
  margin-bottom: 6px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.78;
}

.lost-contact-grid strong {
  overflow-wrap: anywhere;
  font-size: 16px;
  font-weight: 800;
}

.lost-response-section,
.lost-safety-section,
.lost-timeline-section,
.lost-cta-section {
  padding: 82px 0;
}

.lost-response-header {
  max-width: 760px;
  margin-bottom: 32px;
}

.lost-response-header h2,
.lost-safety-panel h2,
.lost-timeline-copy h2,
.lost-cta-card h2 {
  font-size: 42px;
}

.lost-response-header p,
.lost-safety-panel p,
.lost-timeline-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.lost-response-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.lost-response-card,
.lost-safety-panel,
.lost-timeline-layout,
.lost-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.lost-response-card {
  padding: 28px;
}

.lost-response-card.featured {
  background: linear-gradient(135deg, #0d1f26, #8f352a);
}

body.site-shell .lost-response-card.featured h4,
body.site-shell .lost-response-card.featured p {
  color: var(--white) !important;
}

.lost-response-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, #ee5b4c, var(--accent));
}

.lost-response-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.lost-safety-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.lost-safety-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  padding: 36px;
}

.lost-safety-list {
  display: grid;
  gap: 12px;
}

.lost-safety-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.lost-safety-list i {
  color: #c94436;
  font-size: 20px;
}

.lost-timeline-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.lost-timeline-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  align-content: center;
}

.lost-timeline-steps div {
  padding: 22px;
  border-radius: 20px;
  background: var(--surface-strong);
}

.lost-timeline-steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 16px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: #c94436;
}

.lost-timeline-steps strong {
  display: block;
  color: var(--ink);
  font-size: 19px;
  font-weight: 800;
}

.lost-cta-section {
  padding-top: 0;
}

.lost-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background: linear-gradient(135deg, #0d1f26, #8f352a);
}

body.site-shell .lost-cta-card h2,
body.site-shell .lost-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .lost-response-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .lost-card-grid,
  .lost-safety-panel,
  .lost-timeline-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .lost-timeline-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .lost-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .lost-card-hero,
  .lost-response-section,
  .lost-safety-section,
  .lost-timeline-section,
  .lost-cta-section {
    padding: 54px 0;
  }

  .lost-card-copy h1,
  .lost-response-header h2,
  .lost-safety-panel h2,
  .lost-timeline-copy h2,
  .lost-cta-card h2 {
    font-size: 32px;
  }

  .lost-card-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .lost-outline-btn,
  .lost-card-actions .hero-primary-btn,
  .lost-cta-card .hero-primary-btn {
    width: 100%;
  }

  .lost-card-control {
    padding: 22px;
    border-radius: 22px;
  }

  .lost-card-visual {
    min-height: 210px;
    padding: 22px;
    border-radius: 22px;
  }

  .lost-card-visual strong {
    font-size: 28px;
  }

  .lost-contact-grid,
  .lost-response-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .lost-response-card,
  .lost-safety-panel,
  .lost-timeline-layout,
  .lost-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   WIRE TRANSFERS PAGE
   ===================================================== */

.wire-hero {
  padding: 78px 0;
  background:
    linear-gradient(135deg, rgba(248,251,247,0.98), rgba(231,240,235,0.94)),
    radial-gradient(circle at top left, rgba(12,143,120,0.18), transparent 34%);
}

.wire-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

.wire-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.wire-hero-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
}

.wire-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.wire-outline-btn,
.wire-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.24);
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(12,143,120,0.08);
}

.wire-control-panel {
  padding: 34px;
  border-radius: 34px;
  border: 1px solid rgba(12,143,120,0.14);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-lg);
}

.wire-map-line {
  display: grid;
  grid-template-columns: 64px 1fr 64px 1fr 64px;
  gap: 10px;
  align-items: center;
  margin-bottom: 26px;
}

.wire-node {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 22px;
  color: var(--accent-dark);
  font-size: 26px;
  background: var(--surface-strong);
}

.wire-node.active {
  color: var(--white);
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.wire-path {
  height: 4px;
  border-radius: 999px;
  background: linear-gradient(90deg, rgba(12,143,120,0.22), rgba(12,143,120,0.76));
}

.wire-transfer-card {
  padding: 30px;
  border-radius: 28px;
  color: var(--white);
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

.wire-transfer-card span,
.wire-transfer-card strong,
.wire-transfer-card p {
  display: block;
  color: var(--white) !important;
}

.wire-transfer-card span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.78;
}

.wire-transfer-card strong {
  margin-bottom: 10px;
  font-size: 34px;
  font-weight: 800;
}

.wire-detail-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}

.wire-detail-grid div {
  padding: 18px;
  border-radius: 18px;
  background: var(--surface-strong);
}

.wire-detail-grid span,
.wire-detail-grid strong {
  display: block;
}

.wire-detail-grid span {
  margin-bottom: 6px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.wire-detail-grid strong {
  color: var(--ink);
  font-size: 20px;
  font-weight: 800;
}

.wire-scenarios-section,
.wire-security-section,
.wire-flow-section,
.wire-cta-section {
  padding: 82px 0;
}

.wire-scenarios-header {
  max-width: 760px;
  margin-bottom: 32px;
}

.wire-scenarios-header h2,
.wire-security-panel h2,
.wire-flow-copy h2,
.wire-cta-card h2 {
  font-size: 42px;
}

.wire-scenarios-header p,
.wire-security-panel p,
.wire-flow-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.wire-scenarios-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.wire-scenario-card,
.wire-security-panel,
.wire-flow-layout,
.wire-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.wire-scenario-card {
  padding: 28px;
}

.wire-scenario-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .wire-scenario-card.featured h4,
body.site-shell .wire-scenario-card.featured p {
  color: var(--white) !important;
}

.wire-scenario-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.wire-scenario-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.wire-security-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.wire-security-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  padding: 36px;
}

.wire-security-list {
  display: grid;
  gap: 12px;
}

.wire-security-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.wire-security-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.wire-flow-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.wire-flow-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  align-content: center;
}

.wire-flow-steps div {
  padding: 22px;
  border-radius: 20px;
  background: var(--surface-strong);
}

.wire-flow-steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 16px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.wire-flow-steps strong {
  display: block;
  color: var(--ink);
  font-size: 19px;
  font-weight: 800;
}

.wire-cta-section {
  padding-top: 0;
}

.wire-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .wire-cta-card h2,
body.site-shell .wire-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .wire-scenarios-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .wire-hero-grid,
  .wire-security-panel,
  .wire-flow-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .wire-flow-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .wire-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .wire-hero,
  .wire-scenarios-section,
  .wire-security-section,
  .wire-flow-section,
  .wire-cta-section {
    padding: 54px 0;
  }

  .wire-hero-copy h1,
  .wire-scenarios-header h2,
  .wire-security-panel h2,
  .wire-flow-copy h2,
  .wire-cta-card h2 {
    font-size: 32px;
  }

  .wire-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .wire-outline-btn,
  .wire-actions .hero-primary-btn,
  .wire-cta-card .hero-primary-btn {
    width: 100%;
  }

  .wire-control-panel {
    padding: 22px;
    border-radius: 22px;
  }

  .wire-map-line {
    grid-template-columns: 52px 1fr 52px;
    row-gap: 12px;
  }

  .wire-map-line .wire-path:nth-of-type(4),
  .wire-map-line .wire-node:nth-of-type(5) {
    display: none;
  }

  .wire-node {
    width: 52px;
    height: 52px;
    border-radius: 18px;
  }

  .wire-transfer-card strong {
    font-size: 28px;
  }

  .wire-detail-grid,
  .wire-scenarios-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .wire-scenario-card,
  .wire-security-panel,
  .wire-flow-layout,
  .wire-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   ONLINE BANKING PAGE
   ===================================================== */

.online-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at 78% 16%, rgba(84,227,197,0.18), transparent 32%),
    linear-gradient(135deg, #071b21 0%, #0c3d45 52%, #0b4f44 100%);
}

.online-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

body.site-shell .online-hero-copy h1,
body.site-shell .online-hero-copy p,
body.site-shell .online-hero-copy .section-kicker {
  color: var(--white) !important;
}

.online-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.online-hero-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.online-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.online-outline-btn,
.online-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.online-device-panel {
  position: relative;
  padding: 34px;
  border-radius: 34px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.12);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(14px);
}

.online-screen {
  padding: 22px;
  border-radius: 26px;
  background: linear-gradient(180deg, #f8fbf7, #e7f0eb);
}

.online-screen-top {
  display: flex;
  gap: 8px;
  margin-bottom: 22px;
}

.online-screen-top span {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(13,31,38,0.28);
}

.online-balance-card {
  padding: 28px;
  border-radius: 24px;
  color: var(--white);
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

.online-balance-card span,
.online-balance-card strong {
  display: block;
  color: var(--white);
}

.online-balance-card span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.78;
}

.online-balance-card strong {
  font-size: 42px;
  font-weight: 800;
}

.online-activity-list {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.online-activity-list div {
  display: grid;
  grid-template-columns: 42px 1fr auto;
  gap: 12px;
  align-items: center;
  padding: 14px;
  border-radius: 16px;
  background: var(--white);
  box-shadow: 0 12px 28px rgba(11,31,38,0.08);
}

.online-activity-list i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 14px;
  color: var(--accent-dark);
  background: rgba(12,143,120,0.1);
}

.online-activity-list span,
.online-activity-list strong {
  color: var(--ink);
  font-weight: 800;
}

.online-activity-list strong {
  font-size: 13px;
  color: var(--accent-dark);
}

.online-device-badge {
  position: absolute;
  right: 18px;
  bottom: -22px;
  padding: 18px 20px;
  border-radius: 20px;
  color: var(--white);
  background: var(--accent);
  box-shadow: var(--shadow-md);
}

.online-device-badge span,
.online-device-badge strong {
  display: block;
  color: var(--white);
}

.online-device-badge span {
  margin-bottom: 4px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.online-device-badge strong {
  font-size: 24px;
  font-weight: 800;
}

.online-feature-section,
.online-security-section,
.online-routine-section,
.online-cta-section {
  padding: 82px 0;
}

.online-feature-header {
  max-width: 760px;
  margin-bottom: 32px;
}

.online-feature-header h2,
.online-security-panel h2,
.online-routine-copy h2,
.online-cta-card h2 {
  font-size: 42px;
}

.online-feature-header p,
.online-security-panel p,
.online-routine-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.online-feature-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.online-feature-card,
.online-security-panel,
.online-routine-layout,
.online-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.online-feature-card {
  padding: 28px;
}

.online-feature-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .online-feature-card.featured h4,
body.site-shell .online-feature-card.featured p {
  color: var(--white) !important;
}

.online-feature-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.online-feature-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.online-security-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.online-security-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  padding: 36px;
}

.online-security-list {
  display: grid;
  gap: 12px;
}

.online-security-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.online-security-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.online-routine-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.online-routine-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  align-content: center;
}

.online-routine-steps div {
  padding: 22px;
  border-radius: 20px;
  background: var(--surface-strong);
}

.online-routine-steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 16px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.online-routine-steps strong {
  display: block;
  color: var(--ink);
  font-size: 19px;
  font-weight: 800;
}

.online-cta-section {
  padding-top: 0;
}

.online-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .online-cta-card h2,
body.site-shell .online-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .online-feature-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .online-hero-grid,
  .online-security-panel,
  .online-routine-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .online-routine-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .online-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .online-hero,
  .online-feature-section,
  .online-security-section,
  .online-routine-section,
  .online-cta-section {
    padding: 54px 0;
  }

  .online-hero-copy h1,
  .online-feature-header h2,
  .online-security-panel h2,
  .online-routine-copy h2,
  .online-cta-card h2 {
    font-size: 32px;
  }

  .online-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .online-outline-btn,
  .online-actions .hero-primary-btn,
  .online-cta-card .hero-primary-btn {
    width: 100%;
  }

  .online-device-panel {
    padding: 18px;
    border-radius: 22px;
  }

  .online-balance-card strong {
    font-size: 32px;
  }

  .online-activity-list div {
    grid-template-columns: 38px 1fr;
  }

  .online-activity-list strong {
    grid-column: 2;
  }

  .online-device-badge {
    position: static;
    margin-top: 16px;
  }

  .online-feature-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .online-feature-card,
  .online-security-panel,
  .online-routine-layout,
  .online-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   BUSINESS TERM LOANS PAGE
   ===================================================== */

.term-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at 82% 18%, rgba(84,227,197,0.18), transparent 31%),
    linear-gradient(135deg, #071b21 0%, #0c3d45 50%, #0b4f44 100%);
}

.term-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.96fr) minmax(0, 1.04fr);
  gap: 36px;
  align-items: center;
}

body.site-shell .term-hero-copy h1,
body.site-shell .term-hero-copy p,
body.site-shell .term-hero-copy .section-kicker {
  color: var(--white) !important;
}

.term-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.term-hero-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.term-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.term-outline-btn,
.term-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.term-visual-panel {
  position: relative;
  min-height: 520px;
  overflow: hidden;
  border-radius: 34px;
  border: 1px solid rgba(255,255,255,0.16);
  box-shadow: var(--shadow-lg);
}

.term-visual-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.02), rgba(8,19,24,0.46));
}

.term-visual-panel img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  object-fit: cover;
}

.term-visual-note {
  position: absolute;
  z-index: 2;
  left: 28px;
  right: 28px;
  bottom: 28px;
  padding: 22px 24px;
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,0.22);
  background: rgba(255,255,255,0.16);
  backdrop-filter: blur(12px);
}

.term-visual-note span,
.term-visual-note strong {
  display: block;
  color: var(--white);
}

.term-visual-note span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.term-visual-note strong {
  font-size: 28px;
  font-weight: 800;
}

.term-use-section,
.term-structure-section,
.term-rhythm-section,
.term-cta-section {
  padding: 82px 0;
}

.term-use-header {
  max-width: 780px;
  margin-bottom: 32px;
}

.term-use-header h2,
.term-structure-panel h2,
.term-rhythm-copy h2,
.term-cta-card h2 {
  font-size: 42px;
}

.term-use-header p,
.term-rhythm-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.term-use-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.term-use-card,
.term-structure-panel,
.term-rhythm-layout,
.term-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.term-use-card {
  padding: 28px;
}

.term-use-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .term-use-card.featured h4,
body.site-shell .term-use-card.featured p {
  color: var(--white) !important;
}

.term-use-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.term-use-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.term-structure-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.term-structure-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  padding: 36px;
}

.term-structure-list {
  display: grid;
  gap: 12px;
}

.term-structure-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.term-structure-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.term-rhythm-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.term-rhythm-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  align-content: center;
}

.term-rhythm-steps div {
  padding: 22px;
  border-radius: 20px;
  background: var(--surface-strong);
}

.term-rhythm-steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 16px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.term-rhythm-steps strong {
  display: block;
  color: var(--ink);
  font-size: 19px;
  font-weight: 800;
}

.term-cta-section {
  padding-top: 0;
}

.term-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/background/bl.jpg") center/cover no-repeat;
}

body.site-shell .term-cta-card h2,
body.site-shell .term-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .term-use-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .term-hero-grid,
  .term-structure-panel,
  .term-rhythm-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .term-rhythm-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .term-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .term-hero,
  .term-use-section,
  .term-structure-section,
  .term-rhythm-section,
  .term-cta-section {
    padding: 54px 0;
  }

  .term-hero-copy h1,
  .term-use-header h2,
  .term-structure-panel h2,
  .term-rhythm-copy h2,
  .term-cta-card h2 {
    font-size: 32px;
  }

  .term-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .term-outline-btn,
  .term-actions .hero-primary-btn,
  .term-cta-card .hero-primary-btn {
    width: 100%;
  }

  .term-visual-panel,
  .term-visual-panel img {
    min-height: 340px;
    border-radius: 22px;
  }

  .term-use-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .term-use-card,
  .term-structure-panel,
  .term-rhythm-layout,
  .term-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   COMMERCIAL REAL ESTATE LOANS PAGE
   ===================================================== */

.cre-hero {
  padding: 78px 0;
  background:
    linear-gradient(135deg, rgba(248,251,247,0.98), rgba(231,240,235,0.94)),
    radial-gradient(circle at top right, rgba(12,143,120,0.18), transparent 34%);
}

.cre-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.98fr) minmax(0, 1.02fr);
  gap: 38px;
  align-items: center;
}

.cre-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.cre-hero-copy p {
  max-width: 620px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
}

.cre-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.cre-outline-btn,
.cre-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.24);
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(12,143,120,0.08);
}

.cre-property-card {
  position: relative;
  min-height: 540px;
  overflow: hidden;
  border-radius: 34px;
  box-shadow: var(--shadow-lg);
}

.cre-property-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.03), rgba(8,19,24,0.48));
}

.cre-property-card img {
  width: 100%;
  height: 100%;
  min-height: 540px;
  object-fit: cover;
}

.cre-property-overlay {
  position: absolute;
  z-index: 2;
  left: 28px;
  right: 28px;
  bottom: 28px;
  padding: 22px 24px;
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,0.22);
  background: rgba(255,255,255,0.16);
  backdrop-filter: blur(12px);
}

.cre-property-overlay span,
.cre-property-overlay strong {
  display: block;
  color: var(--white);
}

.cre-property-overlay span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.cre-property-overlay strong {
  font-size: 28px;
  font-weight: 800;
}

.cre-scope-section,
.cre-terms-section,
.cre-market-section,
.cre-cta-section {
  padding: 82px 0;
}

.cre-scope-grid {
  display: grid;
  grid-template-columns: 1.25fr repeat(3, minmax(0, 0.85fr));
  gap: 20px;
}

.cre-scope-intro,
.cre-scope-card,
.cre-terms-panel,
.cre-market-layout,
.cre-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.cre-scope-intro,
.cre-scope-card {
  padding: 30px;
}

.cre-scope-intro h2,
.cre-terms-panel h2,
.cre-market-copy h2,
.cre-cta-card h2 {
  font-size: 42px;
}

.cre-scope-intro p,
.cre-market-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.cre-scope-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .cre-scope-card.featured h4,
body.site-shell .cre-scope-card.featured p {
  color: var(--white) !important;
}

.cre-scope-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 22px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.cre-scope-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.cre-terms-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.cre-terms-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(0, 1.12fr);
  gap: 28px;
  padding: 36px;
}

.cre-terms-list {
  display: grid;
  gap: 12px;
}

.cre-terms-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.cre-terms-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.cre-market-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.cre-values-grid {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-content: center;
}

.cre-values-grid span {
  display: inline-flex;
  align-items: center;
  min-height: 46px;
  padding: 0 16px;
  border-radius: 999px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
  background: var(--surface-strong);
}

.cre-cta-section {
  padding-top: 0;
}

.cre-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/background/rel.webp") center/cover no-repeat;
}

body.site-shell .cre-cta-card h2,
body.site-shell .cre-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .cre-scope-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .cre-hero-grid,
  .cre-terms-panel,
  .cre-market-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .cre-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .cre-hero,
  .cre-scope-section,
  .cre-terms-section,
  .cre-market-section,
  .cre-cta-section {
    padding: 54px 0;
  }

  .cre-hero-copy h1,
  .cre-scope-intro h2,
  .cre-terms-panel h2,
  .cre-market-copy h2,
  .cre-cta-card h2 {
    font-size: 32px;
  }

  .cre-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .cre-outline-btn,
  .cre-actions .hero-primary-btn,
  .cre-cta-card .hero-primary-btn {
    width: 100%;
  }

  .cre-property-card,
  .cre-property-card img {
    min-height: 340px;
    border-radius: 22px;
  }

  .cre-scope-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .cre-scope-intro,
  .cre-scope-card,
  .cre-terms-panel,
  .cre-market-layout,
  .cre-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   WORKING CAPITAL LOANS PAGE
   ===================================================== */

.capital-hero {
  padding: 78px 0;
  background:
    linear-gradient(135deg, rgba(7,27,33,0.94), rgba(10,91,76,0.88)),
    url("../images/background/bl.jpg") center/cover no-repeat;
}

.capital-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 36px;
  align-items: center;
}

body.site-shell .capital-hero-copy h1,
body.site-shell .capital-hero-copy p,
body.site-shell .capital-hero-copy .section-kicker {
  color: var(--white) !important;
}

.capital-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.capital-hero-copy p {
  max-width: 610px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.capital-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.capital-outline-btn,
.capital-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.capital-command-panel {
  overflow: hidden;
  border-radius: 34px;
  border: 1px solid rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.12);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(14px);
}

.capital-image-strip {
  height: 380px;
  overflow: hidden;
}

.capital-image-strip img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.capital-metric-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  background: rgba(255,255,255,0.16);
}

.capital-metric-grid div {
  padding: 22px;
  background: rgba(7,27,33,0.62);
}

.capital-metric-grid span,
.capital-metric-grid strong {
  display: block;
  color: var(--white);
}

.capital-metric-grid span {
  margin-bottom: 8px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.78;
}

.capital-metric-grid strong {
  font-size: 22px;
  font-weight: 800;
}

.capital-lens-section,
.capital-products-section,
.capital-fit-section,
.capital-cta-section {
  padding: 82px 0;
}

.capital-lens-grid {
  display: grid;
  grid-template-columns: 1.35fr repeat(2, minmax(0, 0.85fr));
  gap: 20px;
}

.capital-lens-intro,
.capital-lens-card,
.capital-products-grid div,
.capital-fit-panel,
.capital-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.capital-lens-intro,
.capital-lens-card {
  padding: 30px;
}

.capital-lens-intro h2,
.capital-products-header h2,
.capital-fit-copy h2,
.capital-cta-card h2 {
  font-size: 42px;
}

.capital-lens-intro p,
.capital-fit-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.capital-lens-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .capital-lens-card.featured h4,
body.site-shell .capital-lens-card.featured p {
  color: var(--white) !important;
}

.capital-lens-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 22px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.capital-lens-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.capital-products-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.capital-products-header {
  max-width: 760px;
  margin-bottom: 30px;
}

.capital-products-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
}

.capital-products-grid div {
  padding: 28px;
}

.capital-products-grid span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  margin-bottom: 20px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.capital-products-grid strong {
  display: block;
  margin-bottom: 10px;
  color: var(--ink);
  font-size: 22px;
  font-weight: 800;
}

.capital-fit-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.capital-values-list {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-content: center;
}

.capital-values-list span {
  display: inline-flex;
  align-items: center;
  min-height: 46px;
  padding: 0 16px;
  border-radius: 999px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
  background: var(--surface-strong);
}

.capital-cta-section {
  padding-top: 0;
}

.capital-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .capital-cta-card h2,
body.site-shell .capital-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .capital-lens-grid {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media only screen and (max-width: 991px) {
  .capital-hero-grid,
  .capital-fit-panel {
    grid-template-columns: minmax(0, 1fr);
  }

  .capital-products-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .capital-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .capital-hero,
  .capital-lens-section,
  .capital-products-section,
  .capital-fit-section,
  .capital-cta-section {
    padding: 54px 0;
  }

  .capital-hero-copy h1,
  .capital-lens-intro h2,
  .capital-products-header h2,
  .capital-fit-copy h2,
  .capital-cta-card h2 {
    font-size: 32px;
  }

  .capital-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .capital-outline-btn,
  .capital-actions .hero-primary-btn,
  .capital-cta-card .hero-primary-btn {
    width: 100%;
  }

  .capital-command-panel {
    border-radius: 22px;
  }

  .capital-image-strip {
    height: 280px;
  }

  .capital-metric-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .capital-lens-intro,
  .capital-lens-card,
  .capital-products-grid div,
  .capital-fit-panel,
  .capital-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   PERSONAL LOANS PAGE
   ===================================================== */

.personal-loan-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at top left, rgba(84,227,197,0.16), transparent 30%),
    linear-gradient(135deg, #071b21 0%, #0b4f44 56%, #0d6d7e 100%);
}

.personal-loan-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 36px;
  align-items: center;
}

body.site-shell .personal-loan-copy h1,
body.site-shell .personal-loan-copy p,
body.site-shell .personal-loan-copy .section-kicker {
  color: var(--white) !important;
}

.personal-loan-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.personal-loan-copy p {
  max-width: 590px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.personal-loan-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.personal-outline-btn,
.personal-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.26);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.personal-loan-image {
  position: relative;
  min-height: 520px;
  overflow: hidden;
  border-radius: 34px;
  box-shadow: var(--shadow-lg);
}

.personal-loan-image::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.04), rgba(8,19,24,0.44));
}

.personal-loan-image img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  object-fit: cover;
}

.loan-mini-stack {
  position: absolute;
  z-index: 2;
  right: 24px;
  bottom: 24px;
  display: grid;
  gap: 10px;
}

.loan-mini-stack div {
  min-width: 170px;
  padding: 18px;
  border-radius: 20px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
}

.loan-mini-stack span,
.loan-mini-stack strong {
  display: block;
  color: var(--white);
}

.loan-mini-stack span {
  margin-bottom: 6px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.loan-mini-stack strong {
  font-size: 28px;
  font-weight: 800;
}

.personal-loan-section,
.loan-terms-section,
.loan-advisor-section {
  padding: 82px 0;
}

.loan-purpose-header {
  max-width: 760px;
  margin-bottom: 32px;
}

.loan-purpose-header h2,
.loan-terms-panel h2,
.loan-advisor-copy h2 {
  font-size: 42px;
}

.loan-purpose-header p,
.loan-advisor-copy p {
  font-size: 17px;
  line-height: 1.8;
}

.loan-purpose-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.loan-purpose-card,
.loan-terms-panel,
.loan-advisor-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.loan-purpose-card {
  padding: 28px;
}

.loan-purpose-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .loan-purpose-card.featured h4,
body.site-shell .loan-purpose-card.featured p {
  color: var(--white) !important;
}

.loan-purpose-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.loan-purpose-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.loan-terms-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.loan-terms-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  padding: 36px;
}

.loan-terms-list {
  display: grid;
  gap: 12px;
}

.loan-terms-list div {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 800;
  background: var(--surface-strong);
}

.loan-terms-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.loan-advisor-section {
  padding-top: 0;
}

.loan-advisor-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/resource/news-10.jpg") center/cover no-repeat;
}

body.site-shell .loan-advisor-card h2,
body.site-shell .loan-advisor-card p,
body.site-shell .loan-advisor-card .section-kicker {
  color: var(--white) !important;
}

body.site-shell .loan-advisor-card p {
  color: rgba(255,255,255,0.82) !important;
}

@media only screen and (max-width: 1199px) {
  .loan-purpose-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .personal-loan-shell,
  .loan-terms-panel {
    grid-template-columns: minmax(0, 1fr);
  }

  .loan-advisor-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .personal-loan-hero,
  .personal-loan-section,
  .loan-terms-section,
  .loan-advisor-section {
    padding: 54px 0;
  }

  .personal-loan-copy h1,
  .loan-purpose-header h2,
  .loan-terms-panel h2,
  .loan-advisor-copy h2 {
    font-size: 32px;
  }

  .personal-loan-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .personal-outline-btn,
  .personal-loan-actions .hero-primary-btn,
  .loan-advisor-card .hero-primary-btn {
    width: 100%;
  }

  .personal-loan-image,
  .personal-loan-image img {
    min-height: 340px;
    border-radius: 22px;
  }

  .loan-purpose-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .loan-purpose-card,
  .loan-terms-panel,
  .loan-advisor-card {
    padding: 22px;
    border-radius: 22px;
  }

  .loan-mini-stack {
    left: 18px;
    right: 18px;
  }
}

/* =====================================================
   HOME MORTGAGE LOANS PAGE
   ===================================================== */

.mortgage-hero {
  padding: 78px 0;
  background:
    linear-gradient(135deg, rgba(248,251,247,0.96), rgba(237,243,238,0.94)),
    radial-gradient(circle at top left, rgba(12,143,120,0.18), transparent 34%);
}

.mortgage-hero-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

.mortgage-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.mortgage-hero-copy p {
  max-width: 600px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
}

.mortgage-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.mortgage-outline-btn,
.mortgage-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.22);
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(12,143,120,0.08);
}

.mortgage-photo-panel {
  position: relative;
  min-height: 540px;
  overflow: hidden;
  border-radius: 34px;
  box-shadow: var(--shadow-lg);
}

.mortgage-photo-panel::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.04), rgba(8,19,24,0.42));
}

.mortgage-photo-panel img {
  width: 100%;
  height: 100%;
  min-height: 540px;
  object-fit: cover;
}

.mortgage-photo-badge {
  position: absolute;
  z-index: 2;
  left: 28px;
  bottom: 28px;
  padding: 22px 24px;
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,0.22);
  background: rgba(255,255,255,0.16);
  backdrop-filter: blur(12px);
}

.mortgage-photo-badge span,
.mortgage-photo-badge strong {
  display: block;
  color: var(--white);
}

.mortgage-photo-badge span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.mortgage-photo-badge strong {
  font-size: 30px;
  font-weight: 800;
}

.mortgage-section,
.mortgage-process-section,
.mortgage-values-section,
.mortgage-cta-section {
  padding: 82px 0;
}

.mortgage-fit-grid {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, minmax(0, 0.8fr));
  gap: 20px;
}

.mortgage-fit-intro,
.mortgage-fit-card,
.mortgage-process-panel,
.mortgage-values-layout,
.mortgage-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.mortgage-fit-intro,
.mortgage-fit-card {
  padding: 30px;
}

.mortgage-fit-intro h2,
.mortgage-process-panel h2,
.mortgage-values-copy h2,
.mortgage-cta-card h2 {
  font-size: 42px;
}

.mortgage-fit-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .mortgage-fit-card.featured h4,
body.site-shell .mortgage-fit-card.featured p {
  color: var(--white) !important;
}

.mortgage-fit-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.mortgage-fit-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.mortgage-process-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.mortgage-process-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 34px;
}

.mortgage-process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.mortgage-process-grid div {
  padding: 24px;
  border-radius: 24px;
  background: var(--surface-strong);
}

.mortgage-process-grid span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 18px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.mortgage-process-grid strong {
  display: block;
  margin-bottom: 8px;
  color: var(--ink);
  font-size: 22px;
  font-weight: 800;
}

.mortgage-values-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 36px;
}

.mortgage-values-list {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-content: center;
}

.mortgage-values-list span {
  display: inline-flex;
  align-items: center;
  min-height: 46px;
  padding: 0 16px;
  border-radius: 999px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
  background: var(--surface-strong);
}

.mortgage-cta-section {
  padding-top: 0;
}

.mortgage-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/background/about.jpg") center/cover no-repeat;
}

body.site-shell .mortgage-cta-card h2,
body.site-shell .mortgage-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .mortgage-fit-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .mortgage-hero-layout,
  .mortgage-process-panel,
  .mortgage-values-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .mortgage-process-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .mortgage-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .mortgage-hero,
  .mortgage-section,
  .mortgage-process-section,
  .mortgage-values-section,
  .mortgage-cta-section {
    padding: 54px 0;
  }

  .mortgage-hero-copy h1,
  .mortgage-fit-intro h2,
  .mortgage-process-panel h2,
  .mortgage-values-copy h2,
  .mortgage-cta-card h2 {
    font-size: 32px;
  }

  .mortgage-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .mortgage-outline-btn,
  .mortgage-actions .hero-primary-btn,
  .mortgage-cta-card .hero-primary-btn {
    width: 100%;
  }

  .mortgage-photo-panel,
  .mortgage-photo-panel img {
    min-height: 340px;
    border-radius: 22px;
  }

  .mortgage-fit-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .mortgage-fit-intro,
  .mortgage-fit-card,
  .mortgage-process-panel,
  .mortgage-values-layout,
  .mortgage-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   OVERDRAFT PROTECTION & SWEEPS PAGE
   ===================================================== */

.sweep-hero {
  padding: 82px 0;
  background:
    radial-gradient(circle at top left, rgba(84,227,197,0.14), transparent 34%),
    linear-gradient(135deg, #071b21 0%, #0b4f44 56%, #0d6d7e 100%);
}

.sweep-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

body.site-shell .sweep-hero-copy h1,
body.site-shell .sweep-hero-copy p,
body.site-shell .sweep-hero-copy .section-kicker {
  color: var(--white) !important;
}

.sweep-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.sweep-hero-copy p {
  max-width: 590px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.sweep-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.sweep-outline-btn,
.sweep-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.28);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
}

.sweep-control-board {
  display: grid;
  gap: 14px;
  padding: 32px;
  border: 1px solid rgba(255,255,255,0.16);
  border-radius: 32px;
  background: rgba(255,255,255,0.08);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(12px);
}

.control-node {
  padding: 24px;
  border-radius: 24px;
  background: rgba(255,255,255,0.12);
}

.control-node.primary {
  background: linear-gradient(135deg, rgba(18,179,148,0.32), rgba(11,127,154,0.24));
}

.control-node span,
.control-node strong {
  display: block;
  color: var(--white);
}

.control-node span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  opacity: 0.78;
}

.control-node strong {
  font-size: 34px;
  font-weight: 800;
}

.control-line {
  width: 2px;
  height: 34px;
  margin-left: 32px;
  background: linear-gradient(180deg, rgba(255,255,255,0.5), rgba(84,227,197,0.8));
}

.sweep-section,
.sweep-cta-section {
  padding: 82px 0;
}

.sweep-intro-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 0.95fr);
  gap: 30px;
  align-items: stretch;
}

.sweep-image-panel,
.sweep-copy-panel,
.sweep-capability-card,
.target-balance-panel,
.sweep-cta-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.sweep-image-panel {
  overflow: hidden;
  min-height: 440px;
}

.sweep-image-panel img {
  width: 100%;
  height: 100%;
  min-height: 440px;
  object-fit: cover;
}

.sweep-copy-panel {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 38px;
}

.sweep-copy-panel h2,
.target-balance-panel h2,
.sweep-cta-card h2 {
  margin-bottom: 18px;
  font-size: 42px;
}

.sweep-copy-panel p,
.target-balance-panel p {
  font-size: 16px;
  line-height: 1.8;
}

.sweep-dark-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.sweep-capability-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.sweep-capability-card {
  padding: 30px;
}

.sweep-capability-card.highlight {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .sweep-capability-card.highlight h4,
body.site-shell .sweep-capability-card.highlight p {
  color: var(--white) !important;
}

.sweep-capability-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 22px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.sweep-capability-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.target-balance-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 30px;
  padding: 38px;
}

.target-list {
  display: grid;
  gap: 12px;
}

.target-list div {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 700;
  background: var(--surface-strong);
}

.target-list i {
  color: var(--accent-dark);
  font-size: 20px;
}

.sweep-cta-section {
  padding-top: 0;
}

.sweep-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/background/inv.jpg") center/cover no-repeat;
}

body.site-shell .sweep-cta-card h2,
body.site-shell .sweep-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 991px) {
  .sweep-hero-grid,
  .sweep-intro-grid,
  .target-balance-panel {
    grid-template-columns: minmax(0, 1fr);
  }

  .sweep-capability-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .sweep-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .sweep-hero,
  .sweep-section,
  .sweep-cta-section {
    padding: 54px 0;
  }

  .sweep-hero-copy h1,
  .sweep-copy-panel h2,
  .target-balance-panel h2,
  .sweep-cta-card h2 {
    font-size: 32px;
  }

  .sweep-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .sweep-outline-btn,
  .sweep-actions .hero-primary-btn,
  .sweep-cta-card .hero-primary-btn {
    width: 100%;
  }

  .sweep-control-board,
  .sweep-copy-panel,
  .sweep-capability-card,
  .target-balance-panel,
  .sweep-cta-card {
    padding: 22px;
    border-radius: 22px;
  }

  .sweep-image-panel,
  .sweep-image-panel img {
    min-height: 320px;
    border-radius: 22px;
  }

  .control-node strong {
    font-size: 26px;
  }
}

/* =====================================================
   BUSINESS SAVINGS PAGE
   ===================================================== */

.business-savings-hero {
  padding: 78px 0;
  background:
    radial-gradient(circle at top right, rgba(84,227,197,0.18), transparent 34%),
    linear-gradient(180deg, #f8fbf7 0%, #edf6f2 100%);
}

.savings-hero-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 38px;
  align-items: center;
}

.savings-vault-card {
  position: relative;
  min-height: 560px;
  overflow: hidden;
  border-radius: 36px;
  box-shadow: var(--shadow-lg);
}

.savings-vault-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.04), rgba(8,19,24,0.44));
}

.savings-vault-card img {
  width: 100%;
  height: 100%;
  min-height: 560px;
  object-fit: cover;
}

.vault-overlay-card {
  position: absolute;
  z-index: 2;
  left: 28px;
  bottom: 28px;
  padding: 22px 24px;
  border-radius: 24px;
  border: 1px solid rgba(255,255,255,0.22);
  background: rgba(255,255,255,0.16);
  backdrop-filter: blur(12px);
}

.vault-overlay-card span,
.vault-overlay-card strong {
  display: block;
  color: var(--white);
}

.vault-overlay-card span {
  margin-bottom: 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.vault-overlay-card strong {
  font-size: 30px;
  font-weight: 800;
}

.savings-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.savings-hero-copy p {
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
}

.savings-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.savings-outline-btn,
.savings-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 24px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.22);
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(12,143,120,0.08);
}

.savings-reserve-section,
.savings-rhythm-section,
.savings-note-section {
  padding: 82px 0;
}

.reserve-grid {
  display: grid;
  grid-template-columns: 1.2fr repeat(3, minmax(0, 0.8fr));
  gap: 20px;
}

.reserve-intro-card,
.reserve-card,
.savings-rhythm-panel,
.savings-note-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.reserve-intro-card,
.reserve-card {
  padding: 30px;
}

.reserve-intro-card h2,
.savings-rhythm-panel h2,
.savings-note-card h2 {
  font-size: 42px;
}

.reserve-card.featured {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .reserve-card.featured h4,
body.site-shell .reserve-card.featured p {
  color: var(--white) !important;
}

.reserve-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 21px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.reserve-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.savings-rhythm-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.savings-rhythm-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 28px;
  padding: 34px;
}

.rhythm-track {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.rhythm-step {
  padding: 24px;
  border-radius: 24px;
  background: var(--surface-strong);
}

.rhythm-step span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 18px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--accent-dark);
}

.rhythm-step strong {
  display: block;
  margin-bottom: 8px;
  color: var(--ink);
  font-size: 22px;
  font-weight: 800;
}

.savings-note-section {
  padding-top: 0;
}

.savings-note-card {
  display: grid;
  grid-template-columns: 76px minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  padding: 34px;
}

.savings-note-card > i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 68px;
  height: 68px;
  border-radius: 22px;
  color: var(--white);
  font-size: 30px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

@media only screen and (max-width: 1199px) {
  .reserve-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .savings-hero-layout,
  .savings-rhythm-panel,
  .savings-note-card {
    grid-template-columns: minmax(0, 1fr);
  }

  .savings-note-card .savings-outline-btn {
    justify-self: start;
  }
}

@media only screen and (max-width: 767px) {
  .business-savings-hero,
  .savings-reserve-section,
  .savings-rhythm-section,
  .savings-note-section {
    padding: 54px 0;
  }

  .savings-vault-card,
  .savings-vault-card img {
    min-height: 340px;
    border-radius: 22px;
  }

  .savings-hero-copy h1,
  .reserve-intro-card h2,
  .savings-rhythm-panel h2,
  .savings-note-card h2 {
    font-size: 32px;
  }

  .savings-hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .savings-outline-btn,
  .savings-hero-actions .hero-primary-btn,
  .savings-note-card .savings-outline-btn {
    width: 100%;
  }

  .reserve-grid,
  .rhythm-track {
    grid-template-columns: minmax(0, 1fr);
  }

  .reserve-intro-card,
  .reserve-card,
  .savings-rhythm-panel,
  .savings-note-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   BUSINESS ESSENTIAL CHECKING PAGE
   ===================================================== */

.business-checking-hero {
  padding: 78px 0;
  background:
    linear-gradient(135deg, rgba(8,47,42,0.94), rgba(10,110,93,0.88)),
    url("../images/background/bl.jpg") center/cover no-repeat;
}

.business-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 34px;
  align-items: center;
}

.business-hero-copy {
  max-width: 640px;
}

body.site-shell .business-hero-copy h1,
body.site-shell .business-hero-copy p,
body.site-shell .business-hero-copy .section-kicker {
  color: var(--white) !important;
}

.business-hero-copy h1 {
  margin-bottom: 22px;
  font-size: clamp(42px, 4.7vw, 62px);
}

.business-hero-copy p {
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
  opacity: 0.86;
}

.business-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.business-outline-btn,
.business-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.26);
  color: var(--white) !important;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
}

.business-command-card {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 260px;
  min-height: 520px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 32px;
  background: rgba(255,255,255,0.1);
  box-shadow: var(--shadow-lg);
}

.business-command-image img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  object-fit: cover;
}

.business-ledger-panel {
  display: grid;
  align-content: center;
  gap: 12px;
  padding: 24px;
  background: rgba(5,19,22,0.78);
  backdrop-filter: blur(12px);
}

.ledger-row {
  padding: 18px;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 18px;
  background: rgba(255,255,255,0.07);
}

.ledger-row.active {
  background: linear-gradient(135deg, rgba(18,179,148,0.28), rgba(11,127,154,0.22));
}

.ledger-row span,
.ledger-row strong {
  display: block;
  color: var(--white);
}

.ledger-row span {
  margin-bottom: 8px;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  opacity: 0.74;
}

.ledger-row strong {
  font-size: 28px;
  font-weight: 800;
}

.business-ops-section,
.business-flow-section,
.business-cta-section {
  padding: 82px 0;
}

.business-ops-header {
  max-width: 820px;
  margin-bottom: 32px;
}

.business-ops-header h2,
.business-flow-copy h2,
.business-cta-card h2 {
  font-size: 46px;
}

.business-ops-header p {
  font-size: 17px;
  line-height: 1.8;
}

.business-ops-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.business-ops-card {
  min-height: 270px;
  padding: 30px;
  border: 1px solid var(--border);
  border-radius: 28px;
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.business-ops-card.dark {
  background: linear-gradient(135deg, #0d1f26, #0b4f44);
}

body.site-shell .business-ops-card.dark h4,
body.site-shell .business-ops-card.dark p {
  color: var(--white) !important;
}

.business-ops-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 24px;
  border-radius: 16px;
  color: var(--white);
  font-size: 22px;
  background: linear-gradient(135deg, var(--accent), #0b7f9a);
}

.business-ops-card h4 {
  margin-bottom: 12px;
  font-size: 23px;
}

.business-flow-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.business-flow-panel {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 30px;
  align-items: stretch;
}

.business-flow-copy,
.business-flow-steps {
  padding: 34px;
  border: 1px solid var(--border);
  border-radius: 30px;
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.business-flow-steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.business-flow-steps div {
  padding: 22px;
  border-radius: 22px;
  background: var(--surface-strong);
}

.business-flow-steps span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 18px;
  border-radius: 50%;
  color: var(--white);
  font-size: 12px;
  font-weight: 800;
  background: var(--ink);
}

.business-flow-steps strong {
  display: block;
  margin-bottom: 8px;
  color: var(--ink);
  font-size: 22px;
  font-weight: 800;
}

.business-cta-section {
  padding-top: 0;
}

.business-cta-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 38px;
  border-radius: 30px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/resource/wcl.webp") center/cover no-repeat;
  box-shadow: var(--shadow-lg);
}

body.site-shell .business-cta-card h2,
body.site-shell .business-cta-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 1199px) {
  .business-hero-grid,
  .business-flow-panel {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media only screen and (max-width: 991px) {
  .business-command-card,
  .business-ops-grid,
  .business-flow-steps {
    grid-template-columns: minmax(0, 1fr);
  }

  .business-ledger-panel {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .business-cta-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .business-checking-hero,
  .business-ops-section,
  .business-flow-section,
  .business-cta-section {
    padding: 54px 0;
  }

  .business-hero-copy h1,
  .business-ops-header h2,
  .business-flow-copy h2,
  .business-cta-card h2 {
    font-size: 32px;
  }

  .business-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .business-outline-btn,
  .business-hero-actions .hero-primary-btn,
  .business-cta-card .hero-primary-btn {
    width: 100%;
  }

  .business-command-card,
  .business-command-image img {
    min-height: 340px;
    border-radius: 22px;
  }

  .business-ledger-panel {
    grid-template-columns: minmax(0, 1fr);
    padding: 18px;
  }

  .business-ops-card,
  .business-flow-copy,
  .business-flow-steps,
  .business-cta-card {
    padding: 22px;
    border-radius: 22px;
  }
}

/* =====================================================
   IRA RETIREMENT PAGE
   ===================================================== */

.ira-hero {
  padding: 76px 0;
  background:
    linear-gradient(135deg, rgba(248,251,247,0.96) 0%, rgba(237,243,238,0.96) 100%),
    radial-gradient(circle at 12% 20%, rgba(12,143,120,0.18), transparent 32%);
}

.ira-hero-card {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 34px;
  align-items: stretch;
  min-height: 560px;
}

.ira-hero-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 48px;
  border: 1px solid var(--border);
  border-radius: 30px;
  background: rgba(255,255,255,0.92);
  box-shadow: var(--shadow-md);
}

.ira-hero-copy h1 {
  max-width: 720px;
  margin-bottom: 22px;
  font-size: clamp(42px, 4.8vw, 64px);
}

.ira-hero-copy p {
  max-width: 580px;
  margin-bottom: 32px;
  font-size: 18px;
  line-height: 1.8;
}

.ira-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.ira-outline-btn,
.ira-outline-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(12,143,120,0.22);
  color: var(--accent-dark);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
  background: rgba(12,143,120,0.08);
}

.ira-portrait {
  position: relative;
  min-height: 560px;
  overflow: hidden;
  border-radius: 30px;
  box-shadow: var(--shadow-lg);
}

.ira-portrait img {
  width: 100%;
  height: 100%;
  min-height: 560px;
  object-fit: cover;
}

.ira-portrait::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.02), rgba(8,19,24,0.42));
}

.ira-mini-card {
  position: absolute;
  z-index: 2;
  right: 28px;
  bottom: 28px;
  min-width: 190px;
  padding: 22px;
  border-radius: 22px;
  border: 1px solid rgba(255,255,255,0.24);
  background: rgba(255,255,255,0.16);
  backdrop-filter: blur(12px);
}

.ira-mini-card span,
.ira-mini-card strong {
  display: block;
  color: var(--white);
}

.ira-mini-card span {
  margin-bottom: 6px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.ira-mini-card strong {
  font-size: 38px;
  font-weight: 800;
}

.ira-section {
  padding: 82px 0;
}

.ira-snapshot-grid {
  display: grid;
  grid-template-columns: 1.35fr repeat(3, minmax(0, 0.75fr));
  gap: 20px;
}

.ira-snapshot-card,
.ira-stat-card,
.ira-compare-card,
.ira-timeline,
.ira-education-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.ira-snapshot-card {
  padding: 36px;
}

.ira-snapshot-card h2,
.ira-path-layout h2,
.ira-education-card h2 {
  margin-bottom: 16px;
  font-size: 42px;
}

.ira-stat-card {
  padding: 28px;
}

.ira-stat-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  margin-bottom: 20px;
  border-radius: 14px;
  color: var(--white);
  font-size: 20px;
  background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
}

.ira-stat-card strong,
.ira-stat-card span {
  display: block;
}

.ira-stat-card strong {
  margin-bottom: 8px;
  color: var(--ink);
  font-size: 24px;
  font-weight: 800;
}

.ira-compare-section {
  background: linear-gradient(180deg, rgba(237,243,238,0.72), rgba(248,251,247,0.92));
}

.ira-compare-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.ira-compare-card {
  min-height: 300px;
  padding: 34px;
  overflow: hidden;
}

.ira-compare-card.traditional {
  background:
    linear-gradient(135deg, rgba(255,255,255,0.95), rgba(237,243,238,0.94)),
    url("../images/background/about.jpg") center/cover no-repeat;
}

.ira-compare-card.roth {
  color: var(--white);
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.88)),
    url("../images/background/rel.webp") center/cover no-repeat;
}

.ira-card-topline {
  margin-bottom: 22px;
  color: var(--accent-dark);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

body.site-shell .ira-compare-card.roth h3,
body.site-shell .ira-compare-card.roth p,
.ira-compare-card.roth .ira-card-topline {
  color: var(--white) !important;
}

.ira-compare-card h3 {
  margin-bottom: 14px;
  font-size: 34px;
}

.ira-path-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 32px;
  align-items: start;
}

.ira-timeline {
  padding: 28px;
}

.ira-timeline-item {
  display: grid;
  grid-template-columns: 54px minmax(0, 1fr);
  gap: 18px;
  padding: 24px 0;
  border-bottom: 1px solid rgba(15,23,42,0.08);
}

.ira-timeline-item:first-child {
  padding-top: 0;
}

.ira-timeline-item:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.ira-timeline-item > span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  color: var(--white);
  font-size: 13px;
  font-weight: 800;
  background: var(--ink);
}

.ira-timeline-item h4 {
  margin-bottom: 8px;
  font-size: 21px;
}

.ira-timeline-item p {
  margin-bottom: 0;
  line-height: 1.7;
}

.ira-education-strip {
  padding-top: 0;
}

.ira-education-card {
  display: grid;
  grid-template-columns: 84px minmax(0, 1fr);
  gap: 24px;
  align-items: center;
  padding: 34px;
}

.ira-education-card > i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 76px;
  height: 76px;
  border-radius: 24px;
  color: var(--white);
  font-size: 34px;
  background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
}

@media only screen and (max-width: 1199px) {
  .ira-snapshot-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media only screen and (max-width: 991px) {
  .ira-hero-card,
  .ira-path-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .ira-hero-card,
  .ira-portrait,
  .ira-portrait img {
    min-height: 420px;
  }
}

@media only screen and (max-width: 767px) {
  .ira-hero,
  .ira-section {
    padding: 54px 0;
  }

  .ira-hero-card,
  .ira-hero-copy,
  .ira-portrait,
  .ira-snapshot-card,
  .ira-stat-card,
  .ira-compare-card,
  .ira-timeline,
  .ira-education-card {
    border-radius: 22px;
  }

  .ira-hero-copy,
  .ira-snapshot-card,
  .ira-stat-card,
  .ira-compare-card,
  .ira-timeline,
  .ira-education-card {
    padding: 22px;
  }

  .ira-hero-copy h1 {
    font-size: 34px;
  }

  .ira-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .ira-outline-btn,
  .ira-actions .hero-primary-btn {
    width: 100%;
  }

  .ira-snapshot-grid,
  .ira-compare-grid,
  .ira-education-card {
    grid-template-columns: minmax(0, 1fr);
  }

  .ira-snapshot-card h2,
  .ira-path-layout h2,
  .ira-education-card h2,
  .ira-compare-card h3 {
    font-size: 29px;
  }

  .ira-portrait,
  .ira-portrait img {
    min-height: 340px;
  }
}

/* =====================================================
   PRODUCT DETAIL PAGES
   ===================================================== */

.account-hero {
  position: relative;
  padding: 86px 0 74px;
  background:
    radial-gradient(circle at top left, rgba(12,143,120,0.18), transparent 34%),
    linear-gradient(180deg, #f8fbf7 0%, #eef4ef 100%);
}

.account-hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 38px;
  align-items: center;
}

.account-hero-copy h1 {
  max-width: 680px;
  margin-bottom: 22px;
  color: var(--ink);
  font-size: clamp(42px, 4.8vw, 66px);
}

.account-hero-copy p {
  max-width: 560px;
  margin-bottom: 32px;
  color: var(--ink-soft);
  font-size: 18px;
  line-height: 1.8;
}

.account-hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}

.account-secondary-btn,
.account-secondary-btn:hover {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 0 26px;
  border-radius: 999px;
  border: 1px solid rgba(15,23,42,0.12);
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
  background: var(--white);
  text-decoration: none;
}

.account-visual-card {
  position: relative;
  min-height: 520px;
  overflow: hidden;
  border-radius: 30px;
  box-shadow: var(--shadow-lg);
}

.account-visual-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(8,19,24,0.08) 0%, rgba(8,19,24,0.42) 100%);
}

.account-visual-card img {
  width: 100%;
  height: 100%;
  min-height: 520px;
  object-fit: cover;
}

.account-rate-card {
  position: absolute;
  left: 28px;
  bottom: 28px;
  z-index: 2;
  min-width: 180px;
  padding: 22px 24px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 22px;
  background: rgba(255,255,255,0.14);
  backdrop-filter: blur(12px);
}

.account-rate-card span,
.account-rate-card strong {
  display: block;
  color: var(--white);
}

.account-rate-card span {
  margin-bottom: 6px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.account-rate-card strong {
  font-size: 40px;
  font-weight: 800;
}

.account-section {
  padding: 82px 0;
}

.account-intro-grid,
.account-checklist-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 28px;
  align-items: stretch;
}

.account-summary-card,
.account-detail-panel,
.account-benefit-card,
.account-checklist,
.account-final-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  background: rgba(255,255,255,0.94);
  box-shadow: var(--shadow-md);
}

.account-summary-card {
  padding: 38px;
}

.account-summary-card h2,
.account-checklist-layout h2,
.account-final-card h2 {
  margin-bottom: 18px;
  font-size: 42px;
}

.account-summary-card p,
.account-checklist-layout p {
  font-size: 16px;
  line-height: 1.8;
}

.account-detail-panel {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  background: rgba(15,23,42,0.08);
}

.account-detail-item {
  padding: 30px 24px;
  background: var(--white);
}

.account-detail-item span,
.account-detail-item small {
  display: block;
  color: var(--ink-soft);
}

.account-detail-item strong {
  display: block;
  margin: 8px 0;
  color: var(--accent-dark);
  font-size: 34px;
  font-weight: 800;
}

.account-benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
  margin-top: 28px;
}

.account-benefit-card {
  padding: 30px;
}

.account-benefit-card i {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin-bottom: 22px;
  border-radius: 16px;
  color: var(--white);
  font-size: 22px;
  background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
}

.hsa-hero {
  background:
    radial-gradient(circle at top left, rgba(12,143,120,0.16), transparent 32%),
    radial-gradient(circle at bottom right, rgba(84,227,197,0.18), transparent 34%),
    linear-gradient(180deg, #f8fbf7 0%, #edf6f2 100%);
}

.hsa-visual-card::after {
  background: linear-gradient(180deg, rgba(8,19,24,0.02) 0%, rgba(8,19,24,0.38) 100%);
}

.hsa-detail-panel .account-detail-item strong,
.hsa-benefit-card h4,
.hsa-soft-band .section-kicker {
  color: var(--accent-dark);
}

.hsa-benefit-card i {
  background: linear-gradient(135deg, #0c8f78 0%, #54b69f 100%);
}

.hsa-final-card {
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(10,110,93,0.9)),
    url("../images/background/rel.webp") center/cover no-repeat;
}

.account-benefit-card h4 {
  margin-bottom: 12px;
  font-size: 22px;
}

.account-benefit-card p {
  margin-bottom: 0;
  line-height: 1.75;
}

.account-soft-band {
  background: linear-gradient(180deg, rgba(237,243,238,0.72) 0%, rgba(248,251,247,0.92) 100%);
}

.account-checklist-layout > div:first-child {
  padding: 10px 0;
}

.account-checklist {
  display: grid;
  gap: 12px;
  padding: 28px;
}

.account-checklist div {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  border-radius: 16px;
  color: var(--ink);
  font-weight: 700;
  background: var(--surface-strong);
}

.account-checklist i {
  color: var(--accent-dark);
  font-size: 20px;
}

.account-final-strip {
  padding-top: 0;
}

.account-final-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 36px;
  background:
    linear-gradient(135deg, rgba(13,31,38,0.92), rgba(11,79,68,0.9)),
    url("../images/background/about.jpg") center/cover no-repeat;
}

body.site-shell .account-final-card h2,
body.site-shell .account-final-card .section-kicker {
  color: var(--white) !important;
}

@media only screen and (max-width: 991px) {
  .account-hero-grid,
  .account-intro-grid,
  .account-checklist-layout {
    grid-template-columns: minmax(0, 1fr);
  }

  .account-visual-card,
  .account-visual-card img {
    min-height: 420px;
  }

  .account-detail-panel,
  .account-benefit-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .account-final-card {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media only screen and (max-width: 767px) {
  .account-hero,
  .account-section {
    padding: 54px 0;
  }

  .account-hero-copy h1 {
    font-size: 34px;
  }

  .account-hero-copy p {
    font-size: 15.5px;
  }

  .account-hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .account-secondary-btn,
  .account-hero-actions .hero-primary-btn {
    width: 100%;
  }

  .account-visual-card,
  .account-visual-card img {
    min-height: 330px;
    border-radius: 22px;
  }

  .account-rate-card {
    left: 18px;
    bottom: 18px;
    padding: 18px;
  }

  .account-summary-card,
  .account-detail-item,
  .account-benefit-card,
  .account-checklist,
  .account-final-card {
    padding: 22px;
    border-radius: 22px;
  }

  .account-summary-card h2,
  .account-checklist-layout h2,
  .account-final-card h2 {
    font-size: 29px;
  }
}

/* =====================================================
   FINAL HEADER + HERO POLISH
   ===================================================== */

.hero-slide {
  min-height: 680px;
}

.hero-slide-inner {
  padding: 118px 0 96px;
}

.hero-copy h1 {
  font-size: clamp(38px, 4.4vw, 56px);
}

.translate-shell,
#google_translate_element,
#google_translate_element .skiptranslate,
#google_translate_element .goog-te-gadget {
  font-size: 0 !important;
  line-height: 0 !important;
  color: transparent !important;
}

#google_translate_element .goog-te-gadget span,
#google_translate_element .goog-te-gadget a,
#google_translate_element .goog-te-gadget img,
#google_translate_element .VIpgJd-ZVi9od-l4eHX-hSRGPd,
#google_translate_element .VIpgJd-ZVi9od-l4eHX-hSRGPd img {
  display: none !important;
  width: 0 !important;
  height: 0 !important;
  overflow: hidden !important;
}

#google_translate_element .goog-te-combo {
  font-size: 12px !important;
  line-height: 28px !important;
  color: rgba(255,255,255,0.9) !important;
}

@media only screen and (max-width: 991px) {
  .hero-slide {
    min-height: 600px;
  }

  .hero-slide-inner {
    padding: 90px 0 78px;
  }

  .hero-copy h1 {
    font-size: 38px;
  }
}

@media only screen and (max-width: 767px) {
  .site-topbar {
    padding: 8px 0;
    max-height: 44px;
  }

  .site-topbar .topbar-inner {
    display: block;
  }

  .site-topbar .topbar-meta {
    display: flex;
    align-items: center;
    min-height: 28px;
  }

  .site-topbar .topbar-meta .meta-pill:first-child {
    display: inline-flex;
    width: 100%;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
  }

  .site-topbar .topbar-right,
  .site-topbar .translate-shell {
    display: none !important;
  }

  .header-main {
    box-shadow: 0 8px 24px rgba(15,23,42,0.08);
  }

  .header-inner {
    height: 72px;
  }

  .site-brand img {
    max-height: 44px;
  }

  .mobile-nav-toggler {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent) 0%, #0b7f9a 100%);
    color: #fff;
    box-shadow: 0 12px 28px rgba(12,143,120,0.24);
  }

  .mobile-nav-toggler .ti-menu,
  .mobile-nav-toggler span {
    color: #fff;
    font-size: 20px;
    line-height: 1;
  }

  .hero-slide {
    min-height: 560px;
  }

  .hero-slide-inner {
    padding: 78px 0 74px;
  }

  .hero-copy h1 {
    font-size: 32px;
  }

  .hero-copy p {
    margin-bottom: 24px;
  }

  .hero-actions {
    display: flex;
    flex-direction: row !important;
    align-items: stretch;
    gap: 10px;
  }

  .hero-primary-btn,
  .hero-ghost-btn {
    flex: 1 1 0;
    width: auto !important;
    min-width: 0;
    min-height: 48px;
    padding: 0 12px;
    font-size: 12px;
    text-align: center;
    white-space: normal;
  }
}

@media only screen and (max-width: 420px) {
  .hero-copy h1 {
    font-size: 30px;
  }

  .hero-primary-btn,
  .hero-ghost-btn {
    min-height: 46px;
    padding: 0 10px;
    font-size: 11.5px;
  }
}

/* Final mobile slider gap + button text alignment fix */
.site-shell .hero-modern,
.site-shell .hero-modern .main-slider-carousel,
.site-shell .hero-modern .owl-stage-outer,
.site-shell .hero-modern .owl-stage,
.site-shell .hero-modern .owl-item {
  margin-top: 0 !important;
  padding-top: 0 !important;
}

.site-shell .hero-primary-btn,
.site-shell .hero-ghost-btn {
  align-items: center !important;
  justify-content: center !important;
  line-height: 1.2;
  text-align: center;
}

@media only screen and (max-width: 767px) {
  .site-shell .hero-modern {
    margin-top: 0 !important;
    padding-top: 0 !important;
  }

  .site-shell .header-main {
    margin-bottom: 0 !important;
    border-bottom: 0;
  }

  .site-shell .hero-modern .owl-stage-outer {
    display: block;
  }

  .site-shell .hero-actions {
    align-items: stretch !important;
  }

  .site-shell .hero-primary-btn,
  .site-shell .hero-ghost-btn {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    min-height: 48px;
    line-height: 1.15;
  }
}