/* ============================================================
   Philippine SME Bank, Inc. — Main Stylesheet
   Design: Deep Navy Blue & Gold — Professional Banking
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@500;600;700;800&display=swap');

/* ─── CSS Variables ─────────────────────────────────────── */
:root {
  --navy-900:  #0a0f1e;
  --navy-800:  #0d1630;
  --navy-700:  #112244;
  --navy-600:  #152a52;
  --navy-500:  #1a3460;
  --navy-400:  #22457a;
  --navy-300:  #2e5a96;
  --gold-600:  #b8860b;
  --gold-500:  #c9990e;
  --gold-400:  #d4a91a;
  --gold-300:  #e8bc30;
  --gold-200:  #f0ce5e;
  --gold-100:  #faedc0;
  --white:     #ffffff;
  --gray-100:  #f7f8fa;
  --gray-200:  #eef0f5;
  --gray-300:  #dde2ec;
  --gray-400:  #b0b8cc;
  --gray-500:  #7a849a;
  --gray-600:  #505a70;
  --gray-700:  #353d54;
  --success:   #18a05a;
  --danger:    #c0392b;

  --font-sans: 'Inter', system-ui, sans-serif;
  --font-serif:'Playfair Display', Georgia, serif;

  --shadow-sm:  0 1px 4px rgba(10,15,30,.08);
  --shadow-md:  0 4px 16px rgba(10,15,30,.12);
  --shadow-lg:  0 8px 32px rgba(10,15,30,.18);
  --shadow-xl:  0 20px 60px rgba(10,15,30,.25);

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  28px;

  --transition: all .28s cubic-bezier(.4,0,.2,1);
  --transition-fast: all .15s ease;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; }

/* ─── Utility ────────────────────────────────────────────── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 88px 0; }
.section-pad-sm { padding: 60px 0; }

.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 14px; border-radius: 50px; font-size: .75rem;
  font-weight: 600; letter-spacing: .04em; text-transform: uppercase;
}
.badge-gold { background: var(--gold-100); color: var(--gold-600); }
.badge-navy { background: rgba(21,42,82,.12); color: var(--navy-600); }

.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 13px 28px; border-radius: 50px;
  font-size: .9rem; font-weight: 600; letter-spacing: .02em;
  transition: var(--transition); border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-500));
  color: var(--navy-800); border-color: var(--gold-400);
  box-shadow: 0 4px 14px rgba(212,169,26,.35);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-300), var(--gold-400));
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(212,169,26,.45);
}
.btn-outline {
  background: transparent; color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,.12);
  border-color: var(--white);
  transform: translateY(-2px);
}
.btn-navy {
  background: var(--navy-600); color: var(--white); border-color: var(--navy-600);
}
.btn-navy:hover {
  background: var(--navy-400); transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-sm { padding: 9px 20px; font-size: .82rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn i { font-size: .95em; }

.section-label {
  display: inline-block; font-size: .72rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
  color: var(--gold-500); margin-bottom: 12px;
}
.section-title {
  font-family: var(--font-serif); font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--navy-800); line-height: 1.25; margin-bottom: 16px;
}
.section-title span { color: var(--gold-500); }
.section-desc {
  font-size: 1rem; color: var(--gray-500); max-width: 560px; line-height: 1.75;
}

/* ─── Top Bar ────────────────────────────────────────────── */
.topbar {
  background: var(--navy-900);
  padding: 8px 0;
  font-size: .78rem;
  border-bottom: 1px solid rgba(255,255,255,.05);
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  flex-wrap: wrap;
}
.topbar-left { display: flex; align-items: center; gap: 20px; }
.topbar-left a, .topbar-right a {
  color: var(--gray-400); display: flex; align-items: center; gap: 6px;
  transition: var(--transition-fast);
}
.topbar-left a:hover, .topbar-right a:hover { color: var(--gold-300); }
.topbar-right { display: flex; align-items: center; gap: 16px; }
.topbar-right .social-links { display: flex; gap: 10px; }
.topbar-right .social-links a {
  width: 26px; height: 26px; border-radius: 50%;
  background: rgba(255,255,255,.08); display: flex; align-items: center;
  justify-content: center; color: var(--gray-400);
  transition: var(--transition-fast);
}
.topbar-right .social-links a:hover { background: var(--gold-500); color: var(--navy-900); }

/* ─── Header / Navbar ────────────────────────────────────── */
.navbar {
  background: var(--white);
  box-shadow: 0 2px 20px rgba(10,15,30,.08);
  position: sticky; top: 0; z-index: 1000;
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 4px 30px rgba(10,15,30,.15);
}
.navbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 0; gap: 20px;
}
.navbar-brand { display: flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.navbar-logo-img {
  width: 58px; height: 58px;
  object-fit: contain;
  flex-shrink: 0;
  filter: drop-shadow(0 2px 8px rgba(0,0,0,.15));
  transition: transform .35s ease;
}
.navbar-brand:hover .navbar-logo-img { transform: rotate(-6deg) scale(1.08); }
.navbar-brand .brand-text { line-height: 1; }
.navbar-brand .brand-text .name {
  font-family: var(--font-serif); font-weight: 700; font-size: 1.1rem;
  color: var(--navy-800); line-height: 1.15; white-space: nowrap;
}
.navbar-brand .brand-text .tagline {
  font-size: .65rem; color: var(--gold-500); letter-spacing: .08em;
  text-transform: uppercase; font-weight: 700;
  white-space: nowrap; margin-top: 2px; display: block;
}

.nav-menu { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px; padding: 9px 14px;
  font-size: .86rem; font-weight: 500; color: var(--gray-600);
  border-radius: var(--radius-sm); transition: var(--transition-fast);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--navy-700); background: var(--gray-100); }
.nav-link.active { font-weight: 600; }
.nav-link i.chevron { font-size: .65em; transition: var(--transition-fast); }
.nav-item:hover .nav-link i.chevron { transform: rotate(180deg); }

/* Dropdown */
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white); border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl); min-width: 240px; padding: 8px;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: var(--transition); z-index: 999;
  border: 1px solid var(--gray-200);
}
.nav-item:hover .dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown-menu a {
  display: flex; align-items: center; gap: 10px; padding: 10px 14px;
  font-size: .85rem; color: var(--gray-600); border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}
.dropdown-menu a:hover { background: var(--gray-100); color: var(--navy-700); }
.dropdown-menu a i { width: 20px; text-align: center; color: var(--gold-500); }
.dropdown-divider { border: none; border-top: 1px solid var(--gray-200); margin: 6px 0; }

.navbar-actions { display: flex; align-items: center; gap: 10px; }

/* Mobile Toggle */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 8px; border: none; background: none; }
.hamburger span { width: 22px; height: 2px; background: var(--navy-700); border-radius: 2px; transition: var(--transition); }

/* ─── Hero Section ───────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 50%, var(--navy-800) 100%);
  position: relative; overflow: hidden; min-height: 88vh;
  display: flex; align-items: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(212,169,26,.12) 0%, transparent 60%),
    radial-gradient(ellipse 40% 40% at 10% 80%, rgba(21,42,82,.5) 0%, transparent 60%);
}
.hero-grid-bg {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-particles {
  position: absolute; inset: 0; pointer-events: none;
}
.hero-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  padding: 80px 0;
}
.hero-content {}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(212,169,26,.15); border: 1px solid rgba(212,169,26,.3);
  color: var(--gold-300); padding: 6px 16px; border-radius: 50px;
  font-size: .78rem; font-weight: 600; letter-spacing: .05em;
  text-transform: uppercase; margin-bottom: 24px;
}
.hero-badge i { color: var(--gold-400); }
.hero-title {
  font-family: var(--font-serif);
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  color: var(--white); line-height: 1.18; margin-bottom: 22px;
}
.hero-title .highlight { color: var(--gold-400); display: block; }
.hero-desc {
  font-size: 1.05rem; color: rgba(255,255,255,.72); line-height: 1.78;
  margin-bottom: 36px; max-width: 520px;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }
.hero-stats {
  display: flex; gap: 32px; flex-wrap: wrap;
  padding-top: 32px; border-top: 1px solid rgba(255,255,255,.1);
}
.hero-stat {}
.hero-stat .stat-num {
  font-family: var(--font-serif); font-size: 1.9rem; font-weight: 700;
  color: var(--gold-300); line-height: 1;
}
.hero-stat .stat-label { font-size: .78rem; color: rgba(255,255,255,.55); margin-top: 4px; }

/* Hero Visual */
.hero-visual { position: relative; display: flex; justify-content: center; align-items: center; }
.hero-card-stack { position: relative; width: 100%; max-width: 460px; margin: 0 auto; }
.hero-main-card {
  background: rgba(255,255,255,.06); backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius-xl);
  padding: 32px; position: relative; overflow: hidden;
}
.hero-main-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-200), var(--gold-400));
}
.hero-card-header {
  display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px;
}
.hero-card-logo {
  display: flex; align-items: center; gap: 10px;
}
.hero-card-logo .mini-logo {
  width: 36px; height: 36px; background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
}
.hero-card-logo .mini-logo i { color: var(--navy-800); font-size: .9rem; }
.hero-card-logo span { font-size: .8rem; font-weight: 600; color: var(--white); }
.hero-card-chip {
  padding: 4px 10px; background: rgba(212,169,26,.2); border-radius: 50px;
  font-size: .7rem; color: var(--gold-300); font-weight: 600;
}
.service-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.service-item {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-md); padding: 16px; text-align: center;
  transition: var(--transition);
}
.service-item:hover { background: rgba(212,169,26,.08); border-color: rgba(212,169,26,.2); }
.service-item i { font-size: 1.5rem; color: var(--gold-400); margin-bottom: 8px; }
.service-item span { font-size: .75rem; color: rgba(255,255,255,.7); font-weight: 500; }
.hero-floating-card {
  position: absolute; background: var(--white); border-radius: var(--radius-md);
  padding: 14px 18px; box-shadow: var(--shadow-xl);
  animation: float-card 3.5s ease-in-out infinite;
}
.hero-floating-card.card-1 {
  top: -20px; right: -20px; min-width: 160px;
  animation-delay: 0s;
}
.hero-floating-card.card-2 {
  bottom: -15px; left: -20px; min-width: 150px;
  animation-delay: 1.2s;
}
.hfc-label { font-size: .68rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .05em; }
.hfc-value { font-size: 1.1rem; font-weight: 700; color: var(--navy-800); margin: 2px 0; }
.hfc-change { font-size: .75rem; display: flex; align-items: center; gap: 4px; font-weight: 600; }
.hfc-change.up { color: var(--success); }
.hfc-change.down { color: var(--danger); }

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

/* ─── Quick Access Bar ───────────────────────────────────── */
.quick-access {
  background: var(--navy-800);
  padding: 0;
  position: relative;
  z-index: 5;
}
.quick-access-inner {
  display: grid; grid-template-columns: repeat(5, 1fr);
}
.qa-item {
  display: flex; align-items: center; gap: 14px; padding: 22px 24px;
  color: rgba(255,255,255,.8); border-right: 1px solid rgba(255,255,255,.06);
  transition: var(--transition); text-decoration: none; cursor: pointer;
}
.qa-item:last-child { border-right: none; }
.qa-item:hover { background: rgba(255,255,255,.05); color: var(--gold-300); }
.qa-item .qa-icon {
  width: 44px; height: 44px; background: rgba(212,169,26,.15);
  border-radius: var(--radius-md); display: flex; align-items: center;
  justify-content: center; flex-shrink: 0;
  transition: var(--transition);
}
.qa-item:hover .qa-icon { background: var(--gold-400); }
.qa-item .qa-icon i { color: var(--gold-400); font-size: 1.1rem; transition: var(--transition); }
.qa-item:hover .qa-icon i { color: var(--navy-800); }
.qa-item .qa-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .05em; color: rgba(255,255,255,.4); }
.qa-item .qa-title { font-size: .9rem; font-weight: 600; line-height: 1.2; }

/* ─── About Strip / Trust Bar ────────────────────────────── */
.trust-bar {
  background: var(--gray-100); border-bottom: 1px solid var(--gray-200);
  padding: 18px 0;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: center; gap: 40px; flex-wrap: wrap;
}
.trust-item { display: flex; align-items: center; gap: 10px; }
.trust-item img { height: 34px; filter: grayscale(100%) opacity(.55); transition: var(--transition-fast); }
.trust-item img:hover { filter: none; }
.trust-item span { font-size: .78rem; font-weight: 600; color: var(--gray-500); }
.trust-divider { width: 1px; height: 28px; background: var(--gray-300); }

/* ─── Services Section ───────────────────────────────────── */
.services { background: var(--white); }
.section-header { margin-bottom: 56px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-desc { margin: 0 auto; }

.services-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.service-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); padding: 32px 28px;
  transition: var(--transition); position: relative; overflow: hidden;
  cursor: pointer;
}
.service-card::before {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-600));
  opacity: 0; transition: var(--transition);
  z-index: 0;
}
.service-card > * { position: relative; z-index: 1; }
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); border-color: transparent; }
.service-card:hover::before { opacity: 1; }
.service-card:hover .sc-icon { background: rgba(212,169,26,.2); }
.service-card:hover .sc-icon i { color: var(--gold-300); }
.service-card:hover .sc-title { color: var(--white); }
.service-card:hover .sc-desc { color: rgba(255,255,255,.7); }
.service-card:hover .sc-link { color: var(--gold-300); }
.service-card:hover .sc-link i { transform: translateX(4px); }
.service-card:hover .sc-badge { background: rgba(212,169,26,.25); color: var(--gold-300); border: 1px solid rgba(212,169,26,.4); }

.sc-icon {
  width: 58px; height: 58px; background: var(--gray-100);
  border-radius: var(--radius-md); display: flex; align-items: center;
  justify-content: center; margin-bottom: 20px; transition: var(--transition);
}
.sc-icon i { font-size: 1.5rem; color: var(--navy-600); transition: var(--transition); }
.sc-badge {
  position: absolute !important; top: 20px; right: 20px;
  font-size: .65rem; font-weight: 700; padding: 4px 10px;
  border-radius: 50px; background: var(--gold-100); color: var(--gold-700);
  text-transform: uppercase; letter-spacing: .05em;
  z-index: 2 !important;
  pointer-events: none;
  width: fit-content;
  white-space: nowrap;
  line-height: 1.2;
}
.sc-title { font-size: 1.1rem; font-weight: 700; color: var(--navy-800); margin-bottom: 10px; transition: var(--transition); }
.sc-desc { font-size: .875rem; color: var(--gray-500); line-height: 1.7; margin-bottom: 20px; transition: var(--transition); }
.sc-link {
  display: flex; align-items: center; gap: 6px;
  font-size: .82rem; font-weight: 600; color: var(--navy-600);
  transition: var(--transition);
}
.sc-link i { transition: var(--transition); }

/* ─── Loan Calculator ────────────────────────────────────── */
.loan-calc { background: linear-gradient(135deg, var(--navy-900) 0%, var(--navy-700) 100%); position: relative; overflow: hidden; }
.loan-calc::before {
  content: ''; position: absolute; top: -100px; right: -100px;
  width: 400px; height: 400px; border-radius: 50%;
  background: radial-gradient(circle, rgba(212,169,26,.12), transparent 70%);
}
.loan-calc-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; }
.calc-info .section-title { color: var(--white); }
.calc-info .section-desc { color: rgba(255,255,255,.65); }
.calc-benefits { margin-top: 32px; display: flex; flex-direction: column; gap: 14px; }
.calc-benefit { display: flex; align-items: flex-start; gap: 12px; }
.calc-benefit i { color: var(--gold-400); margin-top: 2px; flex-shrink: 0; }
.calc-benefit span { font-size: .9rem; color: rgba(255,255,255,.75); }

.calc-card {
  background: var(--white); border-radius: var(--radius-xl);
  padding: 36px; box-shadow: var(--shadow-xl);
}
.calc-card h3 { font-family: var(--font-serif); font-size: 1.4rem; color: var(--navy-800); margin-bottom: 24px; }
.form-group { margin-bottom: 20px; }
.form-label { font-size: .8rem; font-weight: 600; color: var(--gray-600); margin-bottom: 8px; display: block; text-transform: uppercase; letter-spacing: .04em; }
.form-control {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-md); font-size: .95rem; font-family: inherit;
  color: var(--navy-800); outline: none; transition: var(--transition);
  background: var(--white);
}
.form-control:focus { border-color: var(--navy-500); box-shadow: 0 0 0 3px rgba(21,42,82,.1); }
.form-select {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-md); font-size: .95rem; font-family: inherit;
  color: var(--navy-800); outline: none; transition: var(--transition);
  background: var(--white); cursor: pointer; appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 10l5 5 5-5z' fill='%23505a70'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; background-size: 20px;
}
.form-select:focus { border-color: var(--navy-500); box-shadow: 0 0 0 3px rgba(21,42,82,.1); }
.range-slider { width: 100%; height: 4px; border-radius: 2px; outline: none; cursor: pointer; accent-color: var(--navy-600); }
.range-labels { display: flex; justify-content: space-between; font-size: .72rem; color: var(--gray-400); margin-top: 6px; }

.calc-result {
  background: var(--gray-100); border-radius: var(--radius-md);
  padding: 20px; margin: 20px 0;
  border: 1px solid var(--gray-200);
}
.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.cr-item {}
.cr-label { font-size: .72rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .04em; }
.cr-value { font-size: 1.3rem; font-weight: 700; color: var(--navy-800); margin-top: 2px; }
.cr-value.highlight { color: var(--gold-600); }

/* ─── Why Choose Us ──────────────────────────────────────── */
.why-us { background: var(--gray-100); }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.why-visual { position: relative; }
.why-img-wrap {
  border-radius: var(--radius-xl); overflow: hidden;
  box-shadow: var(--shadow-xl);
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  aspect-ratio: 4/5; max-width: 420px;
  display: flex; align-items: center; justify-content: center;
}
.why-img-inner {
  padding: 40px; text-align: center;
}
.why-img-inner i { font-size: 5rem; color: var(--gold-400); margin-bottom: 20px; }
.why-img-inner h3 { font-family: var(--font-serif); color: var(--white); font-size: 1.6rem; }
.why-img-inner p { color: rgba(255,255,255,.65); margin-top: 10px; }
.why-badge-float {
  position: absolute; bottom: 32px; right: -20px;
  background: var(--white); border-radius: var(--radius-md);
  padding: 16px 20px; box-shadow: var(--shadow-xl);
  display: flex; align-items: center; gap: 12px;
}
.wbf-icon { width: 42px; height: 42px; background: var(--gold-100); border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; }
.wbf-icon i { color: var(--gold-600); font-size: 1.1rem; }
.wbf-num { font-size: 1.4rem; font-weight: 800; color: var(--navy-800); line-height: 1; }
.wbf-label { font-size: .72rem; color: var(--gray-500); }

.why-features { display: flex; flex-direction: column; gap: 22px; margin-top: 36px; }
.wf-item { display: flex; align-items: flex-start; gap: 16px; }
.wf-icon {
  width: 48px; height: 48px; background: var(--white);
  border-radius: var(--radius-md); display: flex; align-items: center;
  justify-content: center; flex-shrink: 0; box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}
.wf-icon i { color: var(--gold-500); font-size: 1.1rem; }
.wf-title { font-size: .95rem; font-weight: 700; color: var(--navy-800); margin-bottom: 4px; }
.wf-desc { font-size: .85rem; color: var(--gray-500); line-height: 1.65; }

/* ─── Stats Banner ───────────────────────────────────────── */
.stats-banner {
  background: linear-gradient(90deg, var(--navy-800), var(--navy-700), var(--navy-800));
  padding: 56px 0;
}
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.stat-block { text-align: center; padding: 20px; border-right: 1px solid rgba(255,255,255,.08); }
.stat-block:last-child { border-right: none; }
.stat-block .num {
  font-family: var(--font-serif); font-size: clamp(2rem, 3vw, 2.8rem);
  font-weight: 700; color: var(--gold-300); line-height: 1;
}
.stat-block .unit { font-size: 1.2rem; }
.stat-block .lbl { font-size: .82rem; color: rgba(255,255,255,.5); margin-top: 8px; text-transform: uppercase; letter-spacing: .06em; }
.stat-block .sub { font-size: .72rem; color: rgba(255,255,255,.3); margin-top: 4px; }

/* ─── News & Announcements ───────────────────────────────── */
.news { background: var(--white); }
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.news-card {
  border: 1px solid var(--gray-200); border-radius: var(--radius-lg);
  overflow: hidden; transition: var(--transition);
}
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.news-img {
  height: 200px; background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden;
}
.news-img i { font-size: 3rem; color: rgba(255,255,255,.2); }
.news-img .news-cat {
  position: absolute; bottom: 12px; left: 12px;
  background: var(--gold-400); color: var(--navy-900);
  font-size: .68rem; font-weight: 700; padding: 4px 10px;
  border-radius: 50px; text-transform: uppercase; letter-spacing: .04em;
}
.news-body { padding: 22px; }
.news-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; }
.news-date { font-size: .75rem; color: var(--gray-400); display: flex; align-items: center; gap: 5px; }
.news-title { font-size: 1rem; font-weight: 700; color: var(--navy-800); line-height: 1.45; margin-bottom: 10px; }
.news-title:hover { color: var(--gold-600); }
.news-excerpt { font-size: .84rem; color: var(--gray-500); line-height: 1.7; margin-bottom: 16px; }
.news-link { font-size: .82rem; font-weight: 600; color: var(--navy-600); display: flex; align-items: center; gap: 6px; transition: var(--transition-fast); }
.news-link:hover { color: var(--gold-600); }
.news-link i { transition: var(--transition-fast); }
.news-link:hover i { transform: translateX(4px); }

/* ─── Branches CTA ───────────────────────────────────────── */
.branches-cta {
  background: var(--gray-100); position: relative; overflow: hidden;
}
.bc-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.bc-map {
  border-radius: var(--radius-xl); overflow: hidden;
  box-shadow: var(--shadow-xl); height: 360px;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-400));
  display: flex; align-items: center; justify-content: center;
  position: relative;
}
.bc-map-placeholder {
  text-align: center; color: rgba(255,255,255,.6);
}
.bc-map-placeholder i { font-size: 4rem; color: var(--gold-400); margin-bottom: 16px; }
.bc-map-placeholder p { font-size: 1rem; }
.bc-info .section-desc { color: var(--gray-500); }
.bc-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 28px 0; }
.bc-stat {
  background: var(--white); border-radius: var(--radius-md); padding: 20px;
  border: 1px solid var(--gray-200); text-align: center;
  box-shadow: var(--shadow-sm);
}
.bc-stat .bc-num { font-family: var(--font-serif); font-size: 1.8rem; font-weight: 700; color: var(--navy-700); }
.bc-stat .bc-lbl { font-size: .75rem; color: var(--gray-500); margin-top: 4px; }

/* ─── Testimonials ───────────────────────────────────────── */
.testimonials { background: var(--white); }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); padding: 28px;
  transition: var(--transition); position: relative;
}
.testi-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.testi-card::before {
  content: '"'; position: absolute; top: 16px; right: 20px;
  font-size: 5rem; color: var(--gray-200); font-family: Georgia, serif;
  line-height: 1;
}
.testi-stars { display: flex; gap: 3px; margin-bottom: 14px; }
.testi-stars i { color: var(--gold-400); font-size: .85rem; }
.testi-text { font-size: .9rem; color: var(--gray-600); line-height: 1.75; margin-bottom: 20px; position: relative; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-600), var(--navy-400));
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.testi-avatar i { color: var(--gold-300); font-size: .9rem; }
.testi-name { font-weight: 700; font-size: .88rem; color: var(--navy-800); }
.testi-role { font-size: .75rem; color: var(--gray-500); }

/* ─── Regulatory Badges ──────────────────────────────────── */
.reg-badges { background: var(--navy-900); padding: 32px 0; }
.reg-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
}
.reg-label { font-size: .78rem; color: rgba(255,255,255,.4); text-transform: uppercase; letter-spacing: .08em; white-space: nowrap; }
.reg-badges-list { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }
.reg-badge-item {
  display: flex; align-items: center; gap: 8px; padding: 8px 16px;
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius-md);
}
.reg-badge-item i { color: var(--gold-400); }
.reg-badge-item span { font-size: .78rem; font-weight: 600; color: rgba(255,255,255,.65); }

/* ─── CTA Banner ─────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--gold-600) 0%, var(--gold-400) 50%, var(--gold-500) 100%);
  position: relative; overflow: hidden;
  padding: 72px 0;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23000' fill-opacity='0.03'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-inner { position: relative; text-align: center; }
.cta-inner h2 { font-family: var(--font-serif); font-size: clamp(1.8rem, 3vw, 2.6rem); color: var(--navy-900); margin-bottom: 14px; }
.cta-inner p { font-size: 1.05rem; color: rgba(10,15,30,.7); max-width: 500px; margin: 0 auto 32px; }
.cta-actions { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
.btn-dark { background: var(--navy-800); color: var(--white); border-color: var(--navy-800); }
.btn-dark:hover { background: var(--navy-600); transform: translateY(-2px); box-shadow: var(--shadow-lg); }

/* ─── Footer ─────────────────────────────────────────────── */
.footer { background: var(--navy-900); color: rgba(255,255,255,.65); }
.footer-main { padding: 72px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr; gap: 40px; }
.footer-brand {}
.footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.footer-logo img {
  width: 50px; height: 50px; object-fit: contain; flex-shrink: 0;
  filter: drop-shadow(0 2px 8px rgba(0,0,0,.4));
  border-radius: 50%;
}
.footer-logo .fl-name { font-family: var(--font-serif); font-size: .95rem; font-weight: 700; color: var(--white); line-height: 1.2; }
.footer-logo .fl-name small { display: block; font-family: var(--font-sans); font-size: .65rem; color: var(--gold-400); font-weight: 500; letter-spacing: .04em; text-transform: uppercase; }
.footer-about { font-size: .83rem; line-height: 1.6; margin-bottom: 16px; color: rgba(255,255,255,.65); }
.footer-contact-list { display: flex; flex-direction: column; gap: 8px; }
.footer-contact-list li { display: flex; align-items: center; gap: 9px; font-size: .82rem; }
.footer-contact-list li i { color: var(--gold-400); flex-shrink: 0; width: 14px; text-align: center; }

.footer-col h4 {
  font-size: .82rem; font-weight: 700; color: var(--white);
  text-transform: uppercase; letter-spacing: .08em; margin-bottom: 18px;
  padding-bottom: 10px; border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-links a { font-size: .82rem; color: rgba(255,255,255,.55); transition: var(--transition-fast); display: flex; align-items: center; gap: 6px; }
.footer-links a:hover { color: var(--gold-300); }
.footer-links a i { font-size: .7em; opacity: .5; }

.footer-newsletter {}
.footer-newsletter p { font-size: .82rem; margin-bottom: 14px; }
.nl-form { display: flex; gap: 0; }
.nl-form input {
  flex: 1; padding: 11px 14px; border: 1px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.06); color: var(--white); font-family: inherit;
  font-size: .85rem; border-radius: var(--radius-sm) 0 0 var(--radius-sm); outline: none;
}
.nl-form input::placeholder { color: rgba(255,255,255,.3); }
.nl-form input:focus { border-color: var(--gold-400); }
.nl-form button {
  padding: 11px 16px; background: var(--gold-500); border: none;
  color: var(--navy-900); font-weight: 700; font-size: .85rem;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0; transition: var(--transition-fast);
}
.nl-form button:hover { background: var(--gold-400); }

.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
  width: 36px; height: 36px; background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.5); font-size: .9rem; transition: var(--transition-fast);
}
.footer-social a:hover { background: var(--gold-500); border-color: var(--gold-500); color: var(--navy-900); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 20px 0;
}
.footer-bottom-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap;
}
.footer-bottom p { font-size: .78rem; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: .78rem; color: rgba(255,255,255,.4); transition: var(--transition-fast); }
.footer-bottom-links a:hover { color: var(--gold-300); }
.pdic-notice {
  background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.06);
  border-radius: var(--radius-sm); padding: 10px 16px; margin-bottom: 20px;
  font-size: .75rem; color: rgba(255,255,255,.4);
  display: flex; align-items: center; gap: 8px;
}
.pdic-notice i { color: var(--gold-400); }

/* ─── Page Hero (Inner Pages) ────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  padding: 72px 0; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 60% at 80% 50%, rgba(212,169,26,.08), transparent);
}
.page-hero-inner { position: relative; }
.breadcrumb { display: flex; align-items: center; gap: 8px; margin-bottom: 16px; }
.breadcrumb a { font-size: .8rem; color: rgba(255,255,255,.5); transition: var(--transition-fast); }
.breadcrumb a:hover { color: var(--gold-300); }
.breadcrumb span { font-size: .8rem; color: rgba(255,255,255,.3); }
.breadcrumb .current { font-size: .8rem; color: var(--gold-400); }
.page-hero h1 { font-family: var(--font-serif); color: var(--white); font-size: clamp(1.8rem, 3.5vw, 2.8rem); margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,.65); font-size: 1rem; max-width: 560px; }

/* ─── Animations ─────────────────────────────────────────── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(28px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-28px); }
  to   { opacity: 1; transform: translateX(0); }
}
@keyframes pulse-gold {
  0%, 100% { box-shadow: 0 0 0 0 rgba(212,169,26,.4); }
  50%       { box-shadow: 0 0 0 12px rgba(212,169,26,0); }
}

.animate-fade-up { animation: fadeInUp .6s ease both; }
.animate-fade-left { animation: fadeInLeft .6s ease both; }

[data-aos] { opacity: 0; transition: opacity .5s ease, transform .5s ease; }
[data-aos="fade-up"] { transform: translateY(24px); }
[data-aos="fade-left"] { transform: translateX(-24px); }
[data-aos="fade-right"] { transform: translateX(24px); }
[data-aos].aos-animate { opacity: 1; transform: none; }

/* ─── Responsive ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-newsletter { grid-column: span 2; }
  .services-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .hero-stats { justify-content: center; }
  .hero-actions { justify-content: center; }
  .hero-visual { display: none; }
  .quick-access-inner { grid-template-columns: repeat(3, 1fr); }
  .why-grid { grid-template-columns: 1fr; }
  .loan-calc-inner { grid-template-columns: 1fr; }
  .bc-inner { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .testi-grid { grid-template-columns: 1fr 1fr; }
  .news-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .topbar { display: none; }
  .nav-menu { display: none; position: fixed; top: 70px; left: 0; right: 0; bottom: 0; background: var(--white); flex-direction: column; align-items: flex-start; padding: 20px; overflow-y: auto; gap: 2px; z-index: 999; }
  .nav-menu.open { display: flex; }
  .nav-link { width: 100%; padding: 12px 16px; font-size: .95rem; }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; background: var(--gray-100); padding: 0 0 0 16px; }
  .hamburger { display: flex; }
  .navbar-actions .btn-outline { display: none; }
  .quick-access-inner { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .bc-stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-newsletter { grid-column: 1/-1; }
}

@media (max-width: 480px) {
  .quick-access-inner { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .hero-stats { gap: 20px; }
  .bc-stats { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
}

/* ─── Preloader ──────────────────────────────────────────── */
#preloader {
  position: fixed; inset: 0; z-index: 9999;
  background: var(--navy-900);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  transition: opacity .5s ease, visibility .5s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.preloader-logo {
  display: flex; align-items: center; gap: 14px; margin-bottom: 32px;
  animation: fadeInUp .6s ease both;
}
.preloader-logo .pl-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--gold-400), var(--gold-600));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
}
.preloader-logo .pl-icon i { color: var(--navy-900); font-size: 1.5rem; }
.preloader-logo .pl-name {
  font-family: var(--font-serif); color: var(--white);
  font-size: 1.25rem; font-weight: 700; line-height: 1.2;
}
.preloader-logo .pl-name small {
  display: block; font-family: var(--font-sans);
  font-size: .65rem; color: var(--gold-400);
  text-transform: uppercase; letter-spacing: .08em; font-weight: 500;
}
.preloader-bar {
  width: 200px; height: 3px; background: rgba(255,255,255,.1);
  border-radius: 3px; overflow: hidden;
}
.preloader-bar-inner {
  height: 100%;
  background: linear-gradient(90deg, var(--gold-600), var(--gold-300), var(--gold-600));
  background-size: 200% 100%;
  border-radius: 3px;
  animation: preloader-slide 1.4s ease infinite;
}
@keyframes preloader-slide {
  0%   { background-position: 200% 0; width: 0%; }
  50%  { width: 70%; }
  100% { background-position: -200% 0; width: 100%; }
}

/* ─── Back to Top ────────────────────────────────────────── */
#backToTop {
  position: fixed; bottom: 28px; right: 28px; z-index: 500;
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-500));
  color: var(--gold-300); border: none; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem; cursor: pointer;
  box-shadow: 0 4px 20px rgba(10,15,30,.3);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: var(--transition);
}
#backToTop.visible { opacity: 1; visibility: visible; transform: translateY(0); }
#backToTop:hover {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-900);
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(212,169,26,.4);
}

/* ─── Cookie Bar ─────────────────────────────────────────── */
#cookieBar {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 900;
  background: var(--navy-800);
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 16px 24px;
  transform: translateY(100%);
  transition: transform .4s cubic-bezier(.4,0,.2,1);
}
#cookieBar.visible { transform: translateY(0); }
.cookie-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; flex-wrap: wrap; max-width: 1200px; margin: 0 auto;
}
.cookie-text {
  font-size: .82rem; color: rgba(255,255,255,.7); line-height: 1.6; flex: 1;
}
.cookie-text i { color: var(--gold-400); }
.cookie-text a { color: var(--gold-300); }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; }
.cookie-btn-accept {
  padding: 9px 20px; background: var(--gold-500); color: var(--navy-900);
  border: none; border-radius: var(--radius-sm); font-size: .83rem; font-weight: 700;
  cursor: pointer; transition: var(--transition-fast);
}
.cookie-btn-accept:hover { background: var(--gold-400); }
.cookie-btn-decline {
  padding: 9px 16px; background: transparent; color: rgba(255,255,255,.5);
  border: 1px solid rgba(255,255,255,.15); border-radius: var(--radius-sm);
  font-size: .83rem; cursor: pointer; transition: var(--transition-fast);
}
.cookie-btn-decline:hover { color: var(--white); border-color: rgba(255,255,255,.3); }

/* ─── Hamburger Active State ─────────────────────────────── */
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
.hamburger span { transform-origin: center; }

/* ─── Sticky Nav Active Link underline ───────────────────── */
.nav-link.active::after {
  content: ''; position: absolute; bottom: 0; left: 14px; right: 14px;
  height: 2px; background: var(--gold-400); border-radius: 2px;
}
.nav-item { position: relative; }

/* ─── Alert / Notification Toast ────────────────────────── */
#toast-container {
  position: fixed; top: 20px; right: 20px; z-index: 10000;
  display: flex; flex-direction: column; gap: 10px;
}
.toast {
  background: var(--white); border-radius: var(--radius-md);
  padding: 14px 18px; box-shadow: var(--shadow-xl);
  border-left: 4px solid var(--success);
  display: flex; align-items: center; gap: 12px;
  min-width: 280px; max-width: 380px;
  animation: toast-in .35s ease;
}
.toast.error { border-color: var(--danger); }
.toast.info  { border-color: var(--navy-500); }
.toast i { font-size: 1.1rem; flex-shrink: 0; }
.toast.error i { color: var(--danger); }
.toast span { font-size: .875rem; color: var(--gray-700); line-height: 1.4; }
@keyframes toast-in {
  from { opacity: 0; transform: translateX(20px); }
  to   { opacity: 1; transform: translateX(0); }
}

/* ─── Scroll Progress Bar ────────────────────────────────── */
#scrollProgress {
  position: fixed; top: 0; left: 0; z-index: 9998;
  height: 3px; width: 0%;
  background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  transition: width .1s linear;
}

/* ─── Section Dividers ───────────────────────────────────── */
.section-wave {
  overflow: hidden; line-height: 0;
}
.section-wave svg { display: block; }

/* ─── Image Overlay Cards ────────────────────────────────── */
.img-card-overlay {
  position: relative; overflow: hidden; border-radius: var(--radius-lg);
}
.img-card-overlay::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(10,15,30,.7) 0%, transparent 60%);
}
.img-card-overlay .overlay-content {
  position: absolute; bottom: 0; left: 0; right: 0; padding: 24px;
  z-index: 2; color: var(--white);
}

/* ─── Skeleton Loaders ───────────────────────────────────── */
@keyframes skeleton-pulse {
  0%, 100% { opacity: 1; }
  50%       { opacity: .4; }
}
.skeleton {
  background: var(--gray-200); border-radius: var(--radius-sm);
  animation: skeleton-pulse 1.5s ease infinite;
}

/* ─── Feature Highlight Strip ────────────────────────────── */
/* ─── Announcement Scrolling Ticker ─────────────────────── */
.announce-strip {
  background: linear-gradient(90deg, var(--gold-600), var(--gold-400), var(--gold-500));
  overflow: hidden;
  white-space: nowrap;
  height: 34px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid rgba(0,0,0,.1);
}
.announce-track {
  display: flex;
  width: max-content;
  animation: ticker-scroll 35s linear infinite;
}
.announce-track:hover { animation-play-state: paused; }
.announce-items {
  display: inline-flex;
  align-items: center;
  gap: 0;
  padding-right: 40px;
}
.announce-item {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: .78rem;
  font-weight: 700;
  color: var(--navy-900);
  letter-spacing: .03em;
  padding: 0 20px;
  white-space: nowrap;
}
.announce-item i {
  font-size: .75rem;
  color: var(--navy-800);
  flex-shrink: 0;
}
.announce-sep {
  color: rgba(0,0,0,.25);
  font-size: .75rem;
  font-weight: 400;
  flex-shrink: 0;
}
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ─── Table Styles ───────────────────────────────────────── */
.rate-table { width: 100%; border-collapse: collapse; font-size: .88rem; }
.rate-table th {
  background: var(--navy-800); color: var(--white); padding: 12px 16px;
  text-align: left; font-size: .78rem; text-transform: uppercase; letter-spacing: .05em;
}
.rate-table th:first-child { border-radius: var(--radius-sm) 0 0 0; }
.rate-table th:last-child  { border-radius: 0 var(--radius-sm) 0 0; }
.rate-table td { padding: 11px 16px; border-bottom: 1px solid var(--gray-200); color: var(--gray-700); }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--gray-100); }
.rate-table tr:hover td { background: var(--gold-100); }

/* ─── FAQ Accordion ──────────────────────────────────────── */
.faq-item {
  border: 1px solid var(--gray-200); border-radius: var(--radius-md); overflow: hidden;
  margin-bottom: 10px; transition: var(--transition);
}
.faq-item.open { box-shadow: var(--shadow-md); border-color: var(--navy-300); }
.faq-question {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 18px 20px; cursor: pointer; font-weight: 600; color: var(--navy-800);
  font-size: .92rem; background: var(--white); user-select: none;
}
.faq-question i.faq-icon { transition: var(--transition-fast); color: var(--gold-500); }
.faq-item.open .faq-icon { transform: rotate(180deg); }
.faq-answer {
  padding: 0 20px; max-height: 0; overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
  font-size: .88rem; color: var(--gray-500); line-height: 1.75;
  background: var(--gray-100);
}
.faq-item.open .faq-answer { max-height: 300px; padding: 16px 20px; }

/* ─── Print Styles ───────────────────────────────────────── */
@media print {
  .topbar, .navbar, .quick-access, .hero-visual,
  .cta-banner, #cookieBar, #backToTop, #preloader,
  #scrollProgress, .footer-social, .nl-form { display: none !important; }
  body { font-size: 12pt; color: #000; }
  .hero { min-height: auto; padding: 20pt 0; }
  .hero-title { font-size: 22pt; }
  a[href]::after { content: " (" attr(href) ")"; font-size: 9pt; color: #666; }
  .service-card, .news-card { break-inside: avoid; }
  .footer { background: #fff; color: #000; }
  .footer * { color: #333 !important; }
}

/* ─── Extra Micro-Interactions ───────────────────────────── */
.btn { position: relative; overflow: hidden; }
.btn::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(255,255,255,.1); opacity: 0;
  transition: opacity .2s;
}
.btn:active::after { opacity: 1; }

/* Ripple effect on click */
.btn .ripple {
  position: absolute; border-radius: 50%;
  transform: scale(0); animation: ripple-anim .5s linear;
  background: rgba(255,255,255,.25); pointer-events: none;
}
@keyframes ripple-anim {
  to { transform: scale(4); opacity: 0; }
}

/* Card shine on hover */
.service-card::after {
  content: '';
  position: absolute;
  top: -50%; left: -60%;
  width: 30%; height: 200%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.06), transparent);
  transform: skewX(-20deg);
  transition: left .5s ease;
}
.service-card:hover::after { left: 130%; }

/* Input focus ring */
.form-control:focus,
.form-select:focus {
  outline: none;
  border-color: var(--navy-500);
  box-shadow: 0 0 0 3px rgba(21,42,82,.1);
}

/* Number input arrows hidden */
input[type=number]::-webkit-inner-spin-button,
input[type=number]::-webkit-outer-spin-button { -webkit-appearance: none; }
input[type=number] { -moz-appearance: textfield; }

/* ─── Accessibility ──────────────────────────────────────── */
:focus-visible {
  outline: 3px solid var(--gold-400);
  outline-offset: 3px;
}
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0);
  white-space: nowrap; border: 0;
}