:root {
    --bs-primary: #0b3d91;
    --bs-primary-rgb: 11, 61, 145;
    --bs-primary-dark: #082a66;
    --bs-primary-light: #3a6bbd;
    --bs-secondary: #5a6c7d;
    --bs-success: #1aa260;
    --bs-warning: #f7b500;
    --bs-danger: #de4c4a;
    --bs-info: #2563eb;
    --bs-gold: #f7d154;
    --color-surface: #f8fafc;
    --color-surface-2: #f1f5f9;
    --text-heading: #0f172a;
    --text-body: #334155;
    --text-muted: #64748b;
    --border-soft: #e2e8f0;
    --shadow-soft: 0 6px 24px -8px rgba(15, 23, 42, 0.12);
    --radius-lg: 1rem;
    --radius-xl: 1.5rem;
    --radius-2xl: 2rem;
    --font-sans: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: var(--font-sans);
    color: var(--text-body);
    background: #fff;
    font-size: 0.95rem;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    color: var(--text-heading);
    font-weight: 700;
    letter-spacing: -0.01em;
    line-height: 1.2;
}

.display-4, .display-5, .display-6 {
    font-weight: 800;
    letter-spacing: -0.02em;
    line-height: 1.1;
}

.lead { color: var(--text-muted); font-weight: 400; }

a { text-decoration: none; color: var(--bs-primary); }
a:hover { color: var(--bs-primary-dark); }

.text-primary { color: var(--bs-primary) !important; }
.bg-primary { background-color: var(--bs-primary) !important; }
.bg-gradient-primary {
    background: linear-gradient(135deg, var(--bs-primary) 0%, #1e4db8 50%, #2a5dd3 100%);
}

.btn {
    border-radius: 0.75rem;
    font-weight: 600;
    padding: 0.65rem 1.25rem;
    transition: all 0.2s ease;
    border-width: 2px;
}
.btn-sm { padding: 0.4rem 0.85rem; border-radius: 0.55rem; font-size: 0.85rem; }
.btn-lg { padding: 0.9rem 1.75rem; border-radius: 1rem; font-size: 1rem; }
.btn-primary { background: var(--bs-primary); border-color: var(--bs-primary); }
.btn-primary:hover { background: var(--bs-primary-dark); border-color: var(--bs-primary-dark); transform: translateY(-1px); box-shadow: 0 10px 20px -8px rgba(11, 61, 145, 0.4); }
.btn-outline-primary { border-color: var(--bs-primary); color: var(--bs-primary); }
.btn-outline-primary:hover { background: var(--bs-primary); border-color: var(--bs-primary); }
.btn-outline-secondary { border-color: #cbd5e1; color: #475569; }
.btn-outline-secondary:hover { background: var(--color-surface-2); border-color: #94a3b8; color: var(--text-heading); }
.btn-link-secondary { background: var(--color-surface-2); color: var(--text-body); border: 1px solid transparent; border-radius: 0.75rem; padding: 0.5rem 0.9rem; text-decoration: none; }
.btn-link-secondary:hover { background: #e2e8f0; color: var(--text-heading); text-decoration: none; }
.btn-user-dropdown { border-radius: 999px; border: 1px solid var(--border-soft); background: #fff; }
.btn-user-dropdown:hover { background: var(--color-surface-2); border-color: #cbd5e1; }
.btn-topbar-icon {
    position: relative; width: 40px; height: 40px;
    border-radius: 0.75rem; border: 1px solid transparent;
    display: inline-flex; align-items: center; justify-content: center;
    color: var(--text-body); background: var(--color-surface-2);
    transition: all 0.2s ease;
}
.btn-topbar-icon:hover { background: var(--bs-primary); color: #fff; }
.btn-submit { min-width: 140px; position: relative; }
.btn-submit .spinner-border { width: 1rem; height: 1rem; margin-right: 0.5rem; }
.rounded-pill.btn { padding-left: 1.75rem; padding-right: 1.75rem; }
.hover-lift { transition: transform 0.2s ease, box-shadow 0.2s ease; }
.hover-lift:hover { transform: translateY(-3px); box-shadow: var(--shadow-soft); }

.card-hover { transition: transform 0.25s ease, box-shadow 0.25s ease; }
.card-hover:hover { transform: translateY(-4px); box-shadow: var(--shadow-soft); }
.card-clickable { cursor: pointer; transition: all 0.25s ease; }
.card-clickable:hover { transform: translateY(-3px); box-shadow: var(--shadow-soft); border-color: var(--bs-primary) !important; }

.card-icon {
    width: 48px; height: 48px;
    background: linear-gradient(135deg, var(--bs-primary) 0%, #2a5dd3 100%);
    color: #fff;
    font-size: 1.25rem;
    border-radius: 0.85rem;
}
.card-icon ~ div .card-title { font-size: 1.1rem; }

.form-control, .form-select {
    border-radius: 0.75rem;
    border-color: var(--border-soft);
    padding: 0.7rem 1rem;
    font-size: 0.95rem;
    background: #fff;
    transition: all 0.2s ease;
}
.form-control:focus, .form-select:focus {
    border-color: var(--bs-primary);
    box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.12);
    background: #fff;
}
.input-group-text {
    background: #fff;
    border-color: var(--border-soft);
    border-radius: 0.75rem;
    color: var(--text-muted);
    padding: 0.7rem 0.9rem;
}
.input-group .form-control:first-child { border-radius: 0 0.75rem 0.75rem 0; }
.input-group .input-group-text + .form-control { border-left: 0; border-radius: 0 0.75rem 0.75rem 0; padding-left: 0.5rem; }
.form-check-input:checked { background-color: var(--bs-primary); border-color: var(--bs-primary); }
.form-check-input:focus { box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.12); border-color: var(--bs-primary); }
.form-label { color: var(--text-heading); font-size: 0.9rem; }
.form-text { color: var(--text-muted); }

.bank-logo-badge {
    display: inline-flex; align-items: center; justify-content: center;
}
.bank-brand-text {
    background: linear-gradient(135deg, var(--bs-primary) 0%, #2a5dd3 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    letter-spacing: -0.01em;
}
.site-header .navbar { box-shadow: 0 1px 3px rgba(15, 23, 42, 0.05); }
.site-header .navbar-brand { padding-top: 0; padding-bottom: 0; }
.site-header .nav-link {
    border-radius: 0.5rem;
    padding: 0.5rem 0.9rem !important;
    color: var(--text-body);
    transition: all 0.15s ease;
}
.site-header .nav-link:hover { color: var(--bs-primary); background: rgba(11, 61, 145, 0.05); }
.site-header .nav-link.active { color: var(--bs-primary); background: rgba(11, 61, 145, 0.08); font-weight: 600; }
.site-header .dropdown-menu {
    border-radius: 0.85rem; border: 1px solid var(--border-soft);
    box-shadow: 0 16px 40px -12px rgba(15, 23, 42, 0.15);
    padding: 0.5rem;
}
.site-header .dropdown-item { border-radius: 0.5rem; padding: 0.6rem 0.8rem; font-size: 0.92rem; }
.site-header .dropdown-item:hover { background: rgba(11, 61, 145, 0.06); color: var(--bs-primary); }
.hover-underline:hover { text-decoration: underline !important; text-underline-offset: 3px; }

.hero { padding-top: 4rem; padding-bottom: 9rem; position: relative; }
.hero-title { animation: heroFade 0.6s ease both; }
.hero-subtitle { animation: heroFade 0.6s ease 0.1s both; }
.hero-content > .d-flex { animation: heroFade 0.6s ease 0.2s both; }
.hero-trust { animation: heroFade 0.6s ease 0.35s both; }
@keyframes heroFade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.hero-wave { position: absolute; bottom: -1px; left: 0; width: 100%; height: 80px; }
.hero-internal { padding-top: 3rem; padding-bottom: 6rem; }
.hero-decor {
    position: absolute; border-radius: 50%; filter: blur(60px); opacity: 0.35; pointer-events: none;
}
.hero-decor-1 { width: 420px; height: 420px; background: #f7d154; top: -120px; right: -80px; }
.hero-decor-2 { width: 320px; height: 320px; background: #2a5dd3; bottom: 40px; left: -80px; opacity: 0.25; }
.hero-decor-3 { width: 240px; height: 240px; background: #1aa260; top: 30%; right: 35%; opacity: 0.2; }
.eyebrow { letter-spacing: 0.12em; }

.hero-visual { display: flex; align-items: center; justify-content: center; min-height: 520px; }
.hero-card-stack { position: relative; width: 100%; max-width: 520px; height: 560px; }
.hero-card {
    position: absolute; border-radius: 2rem; width: 88%; height: 82%;
    box-shadow: 0 30px 60px -15px rgba(15, 23, 42, 0.25);
}
.hero-card--back { top: 0; left: 0; background: linear-gradient(135deg, #0b3d91, #2a5dd3); transform: rotate(-7deg); opacity: 0.5; }
.hero-card--mid { top: 8%; left: 6%; background: linear-gradient(135deg, #1e4db8, #4a7be0); transform: rotate(-3deg); opacity: 0.7; }
.hero-card--front { top: 16%; left: 10%; }
@media (max-width: 991.98px) { .hero-card-stack { display: none; } }

.stat-card { transition: all 0.2s ease; }
.stat-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-soft); }

.mobile-mockup {
    max-width: 340px;
    background: #0f172a;
    border-radius: 3rem;
    padding: 14px;
    box-shadow: 0 40px 80px -20px rgba(15, 23, 42, 0.35);
    position: relative;
}
.mobile-mockup::before {
    content: ''; position: absolute; top: 16px; left: 50%; transform: translateX(-50%);
    width: 110px; height: 28px; background: #0f172a; border-radius: 2rem; z-index: 2;
}
.mobile-mockup-screen {
    background: #fff;
    border-radius: 2.2rem;
    padding: 56px 1.25rem 1.5rem;
    min-height: 600px;
    overflow: hidden;
}
.mobile-mockup-header { margin-bottom: 1.25rem; }
.balance-card {
    background: linear-gradient(135deg, #0b3d91 0%, #2a5dd3 100%);
    border-radius: 1.25rem;
}
.quick-action-btn {
    display: flex; flex-direction: column; align-items: center; justify-content: center;
    background: var(--color-surface-2);
    border-radius: 1rem;
    padding: 0.8rem 0.3rem;
    color: var(--text-heading);
    gap: 0.25rem;
    transition: all 0.15s ease;
}
.quick-action-btn:hover { background: var(--bs-primary); color: #fff; transform: translateY(-2px); }
.quick-action-btn i { font-size: 1.2rem; }
.quick-action-btn small { font-size: 0.7rem; font-weight: 600; }
.tx-item { border-top: 1px solid #f1f5f9; }
.tx-icon {
    width: 36px; height: 36px; border-radius: 0.75rem;
    display: inline-flex; align-items: center; justify-content: center;
}
.tx-icon-success { background: rgba(26, 162, 96, 0.1); color: var(--bs-success); }
.tx-icon-danger { background: rgba(222, 76, 74, 0.1); color: var(--bs-danger); }

.product-card { transition: all 0.25s ease; border-radius: 1.15rem !important; overflow: hidden; }
.product-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-soft); }
.product-card--primary .card-body::before,
.product-card--success .card-body::before,
.product-card--warning .card-body::before,
.product-card--info    .card-body::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
}
.product-card--primary .card-body::before { background: var(--bs-primary); }
.product-card--success .card-body::before { background: var(--bs-success); }
.product-card--warning .card-body::before { background: var(--bs-warning); }
.product-card--info    .card-body::before { background: var(--bs-info); }
.product-card .card-body { position: relative; }

.avatar-circle {
    width: 36px; height: 36px; border-radius: 50%;
    font-size: 0.85rem;
    display: inline-flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.avatar-circle-sm {
    width: 40px; height: 40px; border-radius: 0.85rem;
    font-size: 0.95rem;
}

.site-footer .footer-heading { color: #fff; font-weight: 700; font-size: 0.85rem; letter-spacing: 0.12em; }
.footer-links li { margin-bottom: 0.6rem; }
.footer-links a {
    color: #cbd5e1;
    text-decoration: none;
    font-size: 0.9rem;
    transition: color 0.15s ease, padding-left 0.15s ease;
}
.footer-links a:hover { color: #fff; padding-left: 4px; }
.social-btn {
    width: 40px; height: 40px;
    background: rgba(255, 255, 255, 0.06);
    color: #fff;
    border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    text-decoration: none;
    transition: all 0.2s ease;
}
.social-btn:hover { background: var(--bs-primary); color: #fff; transform: translateY(-2px); }

.alert { border-radius: 1rem !important; padding: 1rem 1.25rem !important; font-size: 0.95rem; }
.alert-success { background: rgba(26, 162, 96, 0.08); color: #0f6b40; border-color: rgba(26, 162, 96, 0.25); }
.alert-danger  { background: rgba(222, 76, 74, 0.08); color: #942b29; border-color: rgba(222, 76, 74, 0.25); }
.alert-warning { background: rgba(247, 181, 0, 0.08); color: #8f6800; border-color: rgba(247, 181, 0, 0.25); }
.alert-info    { background: rgba(37, 99, 235, 0.08); color: #1b4aa8; border-color: rgba(37, 99, 235, 0.25); }

.breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, 0.35) !important; }

.faq-nav { top: 1rem; }
.faq-nav .nav-link {
    padding: 0.7rem 1rem;
    border-radius: 0.75rem;
    color: var(--text-body);
    margin-bottom: 0.3rem;
    font-size: 0.92rem;
    transition: all 0.15s ease;
}
.faq-nav .nav-link.active { background: var(--bs-primary); color: #fff; }
.faq-nav .nav-link:hover:not(.active) { background: var(--color-surface-2); color: var(--bs-primary); }
.accordion-button:not(.collapsed) { background: rgba(11, 61, 145, 0.04); color: var(--bs-primary); box-shadow: none; }
.accordion-button:focus { box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.1); }
.accordion-item { border-radius: 1rem; overflow: hidden; }

.card-credit {
    background: linear-gradient(135deg, var(--bs-primary) 0%, #1e4db8 100%);
    color: #fff;
    min-height: 220px;
}
.card-credit--success   { background: linear-gradient(135deg, #0b7a47, #1bb76e); }
.card-credit--info      { background: linear-gradient(135deg, #1e3a8a, #3b82f6); }
.card-credit--warning   { background: linear-gradient(135deg, #9a6700, #f7b500); }
.card-credit .card-title { color: #fff !important; }
.card-credit .card-chip {
    width: 42px; height: 32px; border-radius: 6px;
    background: linear-gradient(135deg, #f7d154, #cfa116);
    position: relative;
}
.card-credit .card-chip::before,
.card-credit .card-chip::after {
    content: ''; position: absolute; left: 6px; right: 6px;
    height: 1px; background: rgba(0, 0, 0, 0.35);
}
.card-credit .card-chip::before { top: 10px; }
.card-credit .card-chip::after  { top: 18px; }
.card-number {
    font-family: 'SFMono-Regular', Menlo, Consolas, monospace;
    font-size: 1.15rem;
    letter-spacing: 0.08em;
    font-weight: 500;
}
.tiny { font-size: 0.68rem; opacity: 0.7; }

.auth-hero { padding: 1.5rem 0; }
.auth-section { padding-top: 2rem; }
.auth-section .card { max-width: 640px; margin: 0 auto; }

.btn-password-toggle:hover { background: var(--color-surface-2); border-color: var(--border-soft) !important; }

.py-md-6 { padding-top: 5rem !important; padding-bottom: 5rem !important; }
.lh-tight { line-height: 1.05 !important; }
.max-w-400 { max-width: 400px; }
.text-danger-hover:hover { color: var(--bs-danger) !important; }

.btn-sidebar-toggle { background: var(--color-surface-2); border-radius: 0.75rem; color: var(--text-body); padding: 0.5rem 0.7rem; }
.btn-sidebar-toggle:hover { background: var(--color-surface-2); color: var(--bs-primary); }

table.table thead th { font-size: 0.8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.05em; }
table.table tbody tr { transition: background 0.15s ease; }
table.table tbody tr:hover { background: var(--color-surface); }

.modal .modal-header { padding: 1.25rem 1.5rem; }
.modal .modal-body { padding: 1.5rem; }
.modal .modal-footer { padding: 1rem 1.5rem; }

.error-code {
    font-family: 'Inter', sans-serif;
    font-weight: 800;
    background: linear-gradient(135deg, var(--bs-primary), #2a5dd3);
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent;
}

@media (max-width: 575.98px) {
    .hero { padding-top: 2rem; padding-bottom: 7rem; }
    .display-4 { font-size: calc(2rem + 3vw); }
    .display-5 { font-size: calc(1.5rem + 2vw); }
    .display-6 { font-size: calc(1.3rem + 1.5vw); }
    .auth-section { padding-top: 1rem; padding-bottom: 2rem; }
    .auth-section .card-body { padding: 1.25rem !important; }
    .auth-section .card-header { padding: 1.25rem 1.25rem 0 !important; }
}

/* ============================================================
   SECTION 1: COLOR / DESIGN TOKENS EXTENSION
   Premium banking design system palette and tokens
   ============================================================ */

:root {
    --bs-navy-900: #07234b;
    --bs-navy-800: #0a2e63;
    --bs-navy-700: #0d3a7a;
    --bs-slate: #1e293b;
    --bs-slate-700: #334155;
    --bs-slate-600: #475569;
    --bs-gold-500: #f7b500;
    --bs-gold-400: #f9c84e;
    --bs-gold-300: #fbd97d;
    --bs-gold-600: #d49a00;
    --bs-gold-700: #b18000;
    --accent-success: #10b981;
    --accent-success-soft: rgba(16, 185, 129, 0.12);
    --accent-warning: #f59e0b;
    --accent-warning-soft: rgba(245, 158, 11, 0.12);
    --accent-info: #3b82f6;
    --accent-info-soft: rgba(59, 130, 246, 0.12);
    --accent-danger: #ef4444;
    --accent-danger-soft: rgba(239, 68, 68, 0.12);
    --accent-navy: #0b3d91;
    --accent-navy-soft: rgba(11, 61, 145, 0.08);
    --surface-3: #eaf0f7;
    --surface-card: #ffffff;
    --border-subtle: rgba(226, 232, 240, 0.7);
    --shadow-strong: 0 20px 60px -20px rgba(15, 23, 42, 0.2);
    --shadow-elevate: 0 30px 80px -30px rgba(11, 61, 145, 0.35);
    --shadow-primary: 0 12px 28px -10px rgba(11, 61, 145, 0.35);
    --shadow-gold: 0 12px 28px -10px rgba(247, 181, 0, 0.45);
    --radius-3xl: 2.5rem;
    --gradient-hero: linear-gradient(135deg, #07234b 0%, #0b3d91 45%, #1e4db8 100%);
    --gradient-hero-gold: linear-gradient(135deg, #07234b 0%, #0a2e63 30%, #0b3d91 60%, #1e4db8 85%, rgba(247, 181, 0, 0.12) 100%);
    --gradient-cta: linear-gradient(135deg, #0b3d91 0%, #1e4db8 50%, #3a6bbd 100%);
    --gradient-gold: linear-gradient(135deg, #f7b500 0%, #f9c84e 50%, #fbd97d 100%);
    --gradient-gold-deep: linear-gradient(135deg, #d49a00 0%, #f7b500 50%, #f9c84e 100%);
    --gradient-success: linear-gradient(135deg, #059669 0%, #10b981 50%, #34d399 100%);
    --gradient-warning: linear-gradient(135deg, #b45309 0%, #f59e0b 50%, #fbbf24 100%);
    --gradient-info: linear-gradient(135deg, #1d4ed8 0%, #3b82f6 50%, #60a5fa 100%);
    --gradient-danger: linear-gradient(135deg, #b91c1c 0%, #ef4444 50%, #f87171 100%);
    --gradient-navy-light: linear-gradient(135deg, #f0f5ff 0%, #e8f0fe 100%);
    --gradient-surface: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
    --font-display: 'Inter', var(--font-sans);
    --tracking-tight: -0.02em;
    --tracking-snug: -0.01em;
    --tracking-normal: 0;
    --tracking-wide: 0.05em;
    --tracking-wider: 0.1em;
    --tracking-widest: 0.15em;
    --line-tight: 1.05;
    --line-snug: 1.2;
    --line-normal: 1.5;
    --line-relaxed: 1.7;
}

:root {
    --bs-navy-900-rgb: 7, 35, 75;
    --bs-navy-800-rgb: 10, 46, 99;
    --bs-slate-rgb: 30, 41, 59;
    --bs-gold-500-rgb: 247, 181, 0;
    --bs-gold-400-rgb: 249, 200, 78;
    --accent-success-rgb: 16, 185, 129;
    --accent-warning-rgb: 245, 158, 11;
    --accent-info-rgb: 59, 130, 246;
    --accent-danger-rgb: 239, 68, 68;
}

.bg-navy-900 { background-color: var(--bs-navy-900) !important; }
.bg-navy-800 { background-color: var(--bs-navy-800) !important; }
.bg-slate { background-color: var(--bs-slate) !important; }
.bg-gold-500 { background-color: var(--bs-gold-500) !important; }
.bg-gold-400 { background-color: var(--bs-gold-400) !important; }
.bg-gold-300 { background-color: var(--bs-gold-300) !important; }
.text-navy-900 { color: var(--bs-navy-900) !important; }
.text-navy-800 { color: var(--bs-navy-800) !important; }
.text-slate { color: var(--bs-slate) !important; }
.text-gold-500 { color: var(--bs-gold-500) !important; }
.text-gold-400 { color: var(--bs-gold-400) !important; }
.text-gold-600 { color: var(--bs-gold-600) !important; }
.border-navy-900 { border-color: var(--bs-navy-900) !important; }
.border-gold-500 { border-color: var(--bs-gold-500) !important; }
.bg-gradient-hero { background: var(--gradient-hero); }
.bg-gradient-hero-gold { background: var(--gradient-hero-gold); }
.bg-gradient-cta { background: var(--gradient-cta); }
.bg-gradient-gold { background: var(--gradient-gold); }
.bg-gradient-gold-deep { background: var(--gradient-gold-deep); }
.bg-gradient-success { background: var(--gradient-success); }
.bg-gradient-warning { background: var(--gradient-warning); }
.bg-gradient-info { background: var(--gradient-info); }
.bg-gradient-navy-light { background: var(--gradient-navy-light); }
.bg-gradient-surface { background: var(--gradient-surface); }
.rounded-3xl { border-radius: var(--radius-3xl) !important; }
.shadow-strong { box-shadow: var(--shadow-strong) !important; }
.shadow-elevate { box-shadow: var(--shadow-elevate) !important; }
.shadow-primary { box-shadow: var(--shadow-primary) !important; }
.shadow-gold { box-shadow: var(--shadow-gold) !important; }
.border-soft { border: 1px solid var(--border-soft) !important; }
.border-subtle { border: 1px solid var(--border-subtle) !important; }

/* ============================================================
   SECTION 2: PAGE SECTIONS
   Section layout, containers, headers, and utility styles
   ============================================================ */

.section {
    padding-top: 5rem;
    padding-bottom: 5rem;
    position: relative;
    overflow: hidden;
}

.section.section--sm {
    padding-top: 3rem;
    padding-bottom: 3rem;
}

.section.section--lg {
    padding-top: 7rem;
    padding-bottom: 7rem;
}

.section.section--xl {
    padding-top: 9rem;
    padding-bottom: 9rem;
}

.section--muted {
    background-color: var(--color-surface-2);
}

.section--surface-3 {
    background-color: var(--surface-3);
}

.section--white {
    background-color: #ffffff;
}

.section--dark {
    background-color: var(--bs-navy-900);
    color: #ffffff;
}

.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4,
.section--dark h5,
.section--dark h6,
.section--dark .display-4,
.section--dark .display-5,
.section--dark .display-6 {
    color: #ffffff;
}

.section--dark .text-heading {
    color: #ffffff !important;
}

.section--dark .text-muted {
    color: rgba(255, 255, 255, 0.7) !important;
}

.section--dark .text-body {
    color: rgba(255, 255, 255, 0.85) !important;
}

.section--dark .lead {
    color: rgba(255, 255, 255, 0.8);
}

.section--dark .eyebrow {
    color: var(--bs-gold-400);
    opacity: 1;
}

.section--gradient {
    background: var(--gradient-hero);
    color: #ffffff;
    position: relative;
}

.section--gradient::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 85% 15%, rgba(247, 181, 0, 0.15) 0%, transparent 45%),
                radial-gradient(circle at 10% 90%, rgba(58, 107, 189, 0.25) 0%, transparent 50%);
    pointer-events: none;
}

.section--gradient > * {
    position: relative;
    z-index: 1;
}

.section--gradient h1,
.section--gradient h2,
.section--gradient h3,
.section--gradient h4,
.section--gradient h5,
.section--gradient h6,
.section--gradient .display-4,
.section--gradient .display-5,
.section--gradient .display-6 {
    color: #ffffff;
}

.section--gradient .text-muted {
    color: rgba(255, 255, 255, 0.7) !important;
}

.section--gradient .lead {
    color: rgba(255, 255, 255, 0.85);
}

.section--gradient-gold {
    background: var(--gradient-hero-gold);
    color: #ffffff;
    position: relative;
}

.section--gradient-gold > * {
    position: relative;
    z-index: 1;
}

.container-wide {
    max-width: 1320px;
    margin-left: auto;
    margin-right: auto;
    padding-left: 1rem;
    padding-right: 1rem;
    width: 100%;
}

.container-wide.container-wide--sm {
    max-width: 1080px;
}

.container-wide.container-wide--lg {
    max-width: 1440px;
}

@media (min-width: 576px) {
    .container-wide {
        padding-left: 1.25rem;
        padding-right: 1.25rem;
    }
}

@media (min-width: 992px) {
    .container-wide {
        padding-left: 1.75rem;
        padding-right: 1.75rem;
    }
}

@media (min-width: 1200px) {
    .container-wide {
        padding-left: 2rem;
        padding-right: 2rem;
    }
}

.section-header {
    text-align: center;
    margin-bottom: 3.5rem;
    position: relative;
}

.section-header.section-header--left {
    text-align: left;
}

.section-header.section-header--right {
    text-align: right;
}

.section-header .eyebrow {
    display: inline-block;
    margin-bottom: 0.85rem;
    color: var(--bs-primary);
    font-weight: 700;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.15em;
    opacity: 0.9;
}

.section--dark .section-header .eyebrow,
.section--gradient .section-header .eyebrow {
    color: var(--bs-gold-400);
}

.section-header h2,
.section-header .h2,
.section-header .display-5,
.section-header .display-4 {
    margin-bottom: 1rem;
    color: var(--text-heading);
    line-height: var(--line-tight);
    letter-spacing: var(--tracking-snug);
}

.section-header .section-header__subhead {
    max-width: 720px;
    margin: 0 auto;
    color: var(--text-muted);
    font-size: 1.05rem;
    line-height: 1.7;
}

.section-header.section-header--left .section-header__subhead {
    margin-left: 0;
    margin-right: auto;
}

.section-header.section-header--right .section-header__subhead {
    margin-left: auto;
    margin-right: 0;
}

.section-header.section-header--tight {
    margin-bottom: 2.25rem;
}

.section-header.section-header--loose {
    margin-bottom: 5rem;
}

.section-header .section-header__rule {
    display: inline-block;
    width: 56px;
    height: 4px;
    border-radius: 2px;
    background: var(--gradient-gold);
    margin-top: 1.25rem;
    margin-bottom: 1.25rem;
}

.section-header.section-header--left .section-header__rule {
    margin-left: 0;
    margin-right: auto;
}

.section-header.section-header--right .section-header__rule {
    margin-left: auto;
    margin-right: 0;
}

.tracking-wider {
    letter-spacing: 0.15em !important;
}

.tracking-widest {
    letter-spacing: 0.2em !important;
}

.tracking-wide {
    letter-spacing: 0.08em !important;
}

.tracking-normal {
    letter-spacing: 0 !important;
}

.tracking-tight {
    letter-spacing: -0.02em !important;
}

.tracking-tighter {
    letter-spacing: -0.03em !important;
}

.text-gradient-primary {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 50%, #3a6bbd 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    -webkit-text-fill-color: transparent;
}

.text-gradient-gold {
    background: linear-gradient(135deg, var(--bs-gold-600) 0%, var(--bs-gold-500) 50%, var(--bs-gold-300) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    -webkit-text-fill-color: transparent;
}

.text-gradient-hero {
    background: linear-gradient(135deg, #ffffff 0%, #e2e8f0 60%, var(--bs-gold-400) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    -webkit-text-fill-color: transparent;
}

.shadow-primary-soft {
    box-shadow: 0 8px 20px -6px rgba(11, 61, 145, 0.22) !important;
}

.shadow-success {
    box-shadow: 0 12px 28px -10px rgba(16, 185, 129, 0.45) !important;
}

.shadow-danger {
    box-shadow: 0 12px 28px -10px rgba(239, 68, 68, 0.45) !important;
}

.shadow-warning {
    box-shadow: 0 12px 28px -10px rgba(245, 158, 11, 0.45) !important;
}

.shadow-info {
    box-shadow: 0 12px 28px -10px rgba(59, 130, 246, 0.45) !important;
}

.shadow-glow {
    box-shadow: 0 0 60px -15px rgba(11, 61, 145, 0.45) !important;
}

.shadow-glow-gold {
    box-shadow: 0 0 60px -15px rgba(247, 181, 0, 0.55) !important;
}

.line-tight { line-height: var(--line-tight) !important; }
.line-snug { line-height: var(--line-snug) !important; }
.line-normal { line-height: var(--line-normal) !important; }
.line-relaxed { line-height: var(--line-relaxed) !important; }

.max-w-prose { max-width: 65ch !important; }
.max-w-720 { max-width: 720px !important; }
.max-w-640 { max-width: 640px !important; }
.max-w-560 { max-width: 560px !important; }
.max-w-480 { max-width: 480px !important; }

/* ============================================================
   SECTION 3: HERO (Home Hero)
   Premium banking hero with gradients, waves, and trust badges
   ============================================================ */

.hero-bank {
    position: relative;
    min-height: 720px;
    padding-top: 6rem;
    padding-bottom: 10rem;
    background: var(--gradient-hero-gold);
    overflow: hidden;
    color: #ffffff;
}

@media (min-width: 992px) {
    .hero-bank {
        min-height: 820px;
        padding-top: 8rem;
        padding-bottom: 12rem;
    }
}

@media (min-width: 1200px) {
    .hero-bank {
        min-height: 900px;
    }
}

.hero-bank::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 100' preserveAspectRatio='none'><path d='M0,40 C180,80 360,20 540,50 C720,80 900,10 1080,40 C1260,70 1380,20 1440,30 L1440,100 L0,100 Z' fill='%23ffffff' fill-opacity='0.04'/></svg>");
    background-repeat: no-repeat;
    background-position: bottom left;
    background-size: 100% 120px;
    pointer-events: none;
    z-index: 1;
}

.hero-bank > * {
    position: relative;
    z-index: 2;
}

.hero-bank .hero-bank__blur {
    position: absolute;
    border-radius: 50%;
    filter: blur(90px);
    pointer-events: none;
    z-index: 1;
}

.hero-bank .hero-bank__blur--1 {
    width: 520px;
    height: 520px;
    background: rgba(247, 181, 0, 0.18);
    top: -160px;
    right: -120px;
}

.hero-bank .hero-bank__blur--2 {
    width: 440px;
    height: 440px;
    background: rgba(58, 107, 189, 0.28);
    bottom: 80px;
    left: -140px;
    opacity: 0.8;
}

.hero-bank .hero-bank__blur--3 {
    width: 320px;
    height: 320px;
    background: rgba(16, 185, 129, 0.16);
    top: 40%;
    right: 30%;
    opacity: 0.7;
}

.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background-color: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: #ffffff;
    padding: 0.35rem 1rem;
    border-radius: 999px;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-weight: 700;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    margin-bottom: 1.5rem;
}

.hero-eyebrow i,
.hero-eyebrow svg {
    color: var(--bs-gold-400);
    font-size: 0.95em;
}

.hero-heading {
    font-size: clamp(2.25rem, 5.5vw, 4rem);
    font-weight: 800;
    line-height: 1.05;
    letter-spacing: -0.02em;
    color: #ffffff;
    margin-bottom: 1.25rem;
    font-family: var(--font-display);
}

@media (min-width: 768px) {
    .hero-heading {
        font-size: clamp(2.75rem, 5.5vw, 4.5rem);
        line-height: 1.03;
    }
}

@media (min-width: 992px) {
    .hero-heading {
        font-size: clamp(3.25rem, 5.2vw, 5rem);
    }
}

@media (min-width: 1200px) {
    .hero-heading {
        font-size: clamp(3.75rem, 4.8vw, 5.5rem);
    }
}

.hero-heading .hero-heading__accent {
    background: linear-gradient(135deg, var(--bs-gold-300) 0%, var(--bs-gold-500) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    -webkit-text-fill-color: transparent;
}

.hero-lede {
    font-size: 1.15rem;
    line-height: 1.75;
    color: rgba(255, 255, 255, 0.85);
    max-width: 620px;
    margin-bottom: 0;
}

@media (min-width: 768px) {
    .hero-lede {
        font-size: 1.22rem;
    }
}

.hero-ctas {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
    margin-top: 2rem;
    align-items: center;
}

.btn-hero-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--gradient-gold-deep);
    color: var(--bs-navy-900);
    border: 2px solid transparent;
    padding: 0.95rem 1.85rem;
    font-weight: 800;
    font-size: 1rem;
    border-radius: 1rem;
    text-decoration: none;
    transition: all 0.25s ease;
    box-shadow: 0 14px 32px -12px rgba(247, 181, 0, 0.65),
                inset 0 1px 0 rgba(255, 255, 255, 0.4);
    letter-spacing: 0.01em;
}

.btn-hero-primary:hover {
    transform: translateY(-2px);
    background: linear-gradient(135deg, #e5a900 0%, #f7b500 50%, #f9c84e 100%);
    color: var(--bs-navy-900);
    box-shadow: 0 18px 40px -12px rgba(247, 181, 0, 0.8),
                inset 0 1px 0 rgba(255, 255, 255, 0.5);
}

.btn-hero-primary:active {
    transform: translateY(0);
}

.btn-hero-primary i {
    transition: transform 0.25s ease;
}

.btn-hero-primary:hover i {
    transform: translateX(3px);
}

.btn-hero-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: transparent;
    color: #ffffff;
    border: 2px solid rgba(255, 255, 255, 0.85);
    padding: 0.95rem 1.85rem;
    font-weight: 700;
    font-size: 1rem;
    border-radius: 1rem;
    text-decoration: none;
    transition: all 0.25s ease;
    letter-spacing: 0.01em;
}

.btn-hero-outline:hover {
    background: #ffffff;
    color: var(--bs-navy-900);
    border-color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 14px 32px -12px rgba(255, 255, 255, 0.3);
}

.btn-hero-outline:active {
    transform: translateY(0);
}

.hero-trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
    margin-top: 2.25rem;
    align-items: center;
}

.hero-trust-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.16);
    color: rgba(255, 255, 255, 0.92);
    padding: 0.45rem 0.9rem;
    border-radius: 999px;
    font-size: 0.85rem;
    font-weight: 600;
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    transition: all 0.2s ease;
}

.hero-trust-pill:hover {
    background: rgba(255, 255, 255, 0.14);
    color: #ffffff;
}

.hero-trust-pill i,
.hero-trust-pill svg {
    color: var(--bs-gold-400);
    font-size: 1em;
    flex-shrink: 0;
}

.hero-trust-pill.hero-trust-pill--success i,
.hero-trust-pill.hero-trust-pill--success svg {
    color: #34d399;
}

.hero-trust-pill.hero-trust-pill--info i,
.hero-trust-pill.hero-trust-pill--info svg {
    color: #60a5fa;
}

.hero-visual-stack {
    position: relative;
    width: 100%;
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
    min-height: 560px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-glass-panel {
    position: relative;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 2rem;
    padding: 1.75rem;
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: 0 30px 80px -20px rgba(7, 35, 75, 0.55);
    width: 100%;
    max-width: 440px;
    z-index: 3;
}

.hero-glass-panel::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 2rem;
    background: linear-gradient(135deg, rgba(255, 255, 255, 0.18) 0%, rgba(255, 255, 255, 0) 60%);
    pointer-events: none;
}

.hero-glass-panel__head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 1.25rem;
    color: rgba(255, 255, 255, 0.9);
}

.hero-glass-panel__label {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 700;
    color: rgba(255, 255, 255, 0.65);
    margin-bottom: 0.3rem;
}

.hero-glass-panel__balance {
    font-size: 2.25rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: #ffffff;
    line-height: 1.1;
    margin-bottom: 1.5rem;
}

.hero-glass-panel__balance span {
    font-size: 1.1rem;
    opacity: 0.7;
    font-weight: 600;
    margin-right: 0.25rem;
}

.hero-glass-card {
    background: linear-gradient(135deg, var(--bs-navy-800) 0%, var(--bs-primary) 50%, #3a6bbd 100%);
    border-radius: 1.25rem;
    padding: 1.25rem;
    color: #ffffff;
    box-shadow: 0 15px 35px -10px rgba(7, 35, 75, 0.6),
                inset 0 1px 0 rgba(255, 255, 255, 0.15);
    position: relative;
    overflow: hidden;
    margin-bottom: 1.25rem;
}

.hero-glass-card::before {
    content: '';
    position: absolute;
    top: -40px;
    right: -40px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(247, 181, 0, 0.25) 0%, transparent 70%);
    pointer-events: none;
}

.hero-glass-card::after {
    content: '';
    position: absolute;
    bottom: -50px;
    left: -30px;
    width: 120px;
    height: 120px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(58, 107, 189, 0.4) 0%, transparent 70%);
    pointer-events: none;
}

.hero-glass-card > * { position: relative; z-index: 1; }

.hero-glass-card__chip {
    width: 42px;
    height: 32px;
    border-radius: 6px;
    background: linear-gradient(135deg, #f7d154, #cfa116);
    margin-bottom: 1.25rem;
    position: relative;
    overflow: hidden;
}

.hero-glass-card__chip::before,
.hero-glass-card__chip::after {
    content: '';
    position: absolute;
    left: 5px;
    right: 5px;
    height: 1px;
    background: rgba(0, 0, 0, 0.3);
}

.hero-glass-card__chip::before { top: 9px; }
.hero-glass-card__chip::after { top: 17px; }

.hero-glass-card__number {
    font-family: 'SFMono-Regular', Menlo, Consolas, monospace;
    font-size: 1.1rem;
    letter-spacing: 0.1em;
    font-weight: 600;
    margin-bottom: 0.9rem;
    color: rgba(255, 255, 255, 0.95);
}

.hero-glass-card__row {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
}

.hero-glass-card__col-label {
    font-size: 0.65rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    opacity: 0.65;
    margin-bottom: 0.2rem;
}

.hero-glass-card__col-value {
    font-size: 0.9rem;
    font-weight: 600;
}

.hero-glass-txs {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.hero-glass-tx {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.65rem 0.75rem;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: 0.85rem;
    transition: background 0.2s ease;
}

.hero-glass-tx:hover {
    background: rgba(255, 255, 255, 0.1);
}

.hero-glass-tx__icon {
    width: 36px;
    height: 36px;
    border-radius: 0.75rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 0.95rem;
}

.hero-glass-tx__icon.income {
    background: rgba(16, 185, 129, 0.2);
    color: #34d399;
}

.hero-glass-tx__icon.expense {
    background: rgba(245, 158, 11, 0.2);
    color: #fbbf24;
}

.hero-glass-tx__icon.transfer {
    background: rgba(59, 130, 246, 0.2);
    color: #60a5fa;
}

.hero-glass-tx__body {
    flex: 1;
    min-width: 0;
}

.hero-glass-tx__title {
    color: rgba(255, 255, 255, 0.92);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 0.1rem;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.hero-glass-tx__meta {
    color: rgba(255, 255, 255, 0.55);
    font-size: 0.72rem;
}

.hero-glass-tx__amount {
    font-weight: 700;
    font-size: 0.9rem;
    color: #ffffff;
    white-space: nowrap;
}

.hero-glass-tx__amount.positive {
    color: #34d399;
}

.hero-wave {
    position: absolute;
    bottom: -1px;
    left: 0;
    width: 100%;
    height: 100px;
    pointer-events: none;
    z-index: 2;
    overflow: hidden;
    line-height: 0;
}

.hero-wave svg {
    width: 100%;
    height: 100%;
    display: block;
}

.hero-wave--white path {
    fill: #ffffff;
}

.hero-wave--muted path {
    fill: var(--color-surface-2);
}

.hero-wave--surface-3 path {
    fill: var(--surface-3);
}

.hero-wave--navy path {
    fill: var(--bs-navy-900);
}

/* ============================================================
   SECTION 4: CARDS & COMPONENTS
   Premium card components and reusable UI elements
   ============================================================ */

.card-bank {
    border: 1px solid var(--border-soft);
    border-radius: 1.5rem;
    background-color: #ffffff;
    padding: 1.75rem;
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
    box-shadow: 0 4px 16px -6px rgba(15, 23, 42, 0.06);
    position: relative;
    overflow: hidden;
    height: 100%;
}

.card-bank::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--bs-primary) 0%, var(--bs-gold-500) 100%);
    opacity: 0;
    transition: opacity 0.3s ease;
    border-radius: 1.5rem 1.5rem 0 0;
}

.card-bank:hover {
    transform: translateY(-5px);
    box-shadow: 0 22px 50px -18px rgba(11, 61, 145, 0.28),
                0 10px 20px -10px rgba(15, 23, 42, 0.1);
    border-color: rgba(11, 61, 145, 0.18);
}

.card-bank:hover::before {
    opacity: 1;
}

.card-bank.card-bank--featured {
    background: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
    border-color: rgba(11, 61, 145, 0.15);
    box-shadow: 0 12px 40px -12px rgba(11, 61, 145, 0.18);
}

.card-bank.card-bank--muted {
    background: var(--color-surface);
    border-color: transparent;
}

.card-bank.card-bank--padded {
    padding: 2.25rem;
}

.card-bank__icon {
    width: 56px;
    height: 56px;
    border-radius: 1.25rem;
    background: linear-gradient(135deg, var(--bs-primary) 0%, #3a6bbd 50%, var(--bs-gold-500) 100%);
    color: #ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    margin-bottom: 1.25rem;
    box-shadow: 0 10px 24px -10px rgba(11, 61, 145, 0.5);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    flex-shrink: 0;
}

.card-bank:hover .card-bank__icon {
    transform: scale(1.05);
    box-shadow: 0 14px 32px -12px rgba(11, 61, 145, 0.6);
}

.card-bank__icon.card-bank__icon--success {
    background: linear-gradient(135deg, #059669 0%, #10b981 50%, #34d399 100%);
    box-shadow: 0 10px 24px -10px rgba(16, 185, 129, 0.5);
}

.card-bank__icon.card-bank__icon--warning {
    background: linear-gradient(135deg, #b45309 0%, #f59e0b 50%, #fbbf24 100%);
    box-shadow: 0 10px 24px -10px rgba(245, 158, 11, 0.55);
}

.card-bank__icon.card-bank__icon--info {
    background: linear-gradient(135deg, #1d4ed8 0%, #3b82f6 50%, #60a5fa 100%);
    box-shadow: 0 10px 24px -10px rgba(59, 130, 246, 0.55);
}

.card-bank__icon.card-bank__icon--danger {
    background: linear-gradient(135deg, #b91c1c 0%, #ef4444 50%, #f87171 100%);
    box-shadow: 0 10px 24px -10px rgba(239, 68, 68, 0.55);
}

.card-bank__icon.card-bank__icon--gold {
    background: linear-gradient(135deg, var(--bs-gold-600) 0%, var(--bs-gold-500) 50%, var(--bs-gold-300) 100%);
    color: var(--bs-navy-900);
    box-shadow: 0 10px 24px -10px rgba(247, 181, 0, 0.6);
}

.card-bank__icon.card-bank__icon--navy {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-navy-800) 50%, var(--bs-primary) 100%);
}

.card-bank__title {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--text-heading);
    margin-bottom: 0.5rem;
    letter-spacing: -0.01em;
    line-height: 1.3;
}

.card-bank__text {
    color: var(--text-muted);
    font-size: 0.95rem;
    line-height: 1.65;
    margin-bottom: 0;
}

.card-bank__footer {
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--border-soft);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.card-bank__link {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-weight: 700;
    color: var(--bs-primary);
    font-size: 0.9rem;
    transition: all 0.2s ease;
}

.card-bank__link i {
    transition: transform 0.2s ease;
}

.card-bank__link:hover {
    color: var(--bs-navy-900);
}

.card-bank__link:hover i {
    transform: translateX(3px);
}

.card-bank__stat {
    text-align: right;
}

.card-bank__stat-value {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--bs-primary);
    line-height: 1;
    letter-spacing: -0.02em;
}

.card-bank__stat-label {
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
    margin-top: 0.2rem;
}

.card-bank.card-bank--dark {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 100%);
    color: #ffffff;
    border-color: transparent;
}

.card-bank.card-bank--dark::before {
    background: linear-gradient(90deg, var(--bs-gold-500) 0%, var(--bs-gold-300) 100%);
}

.card-bank.card-bank--dark .card-bank__title {
    color: #ffffff;
}

.card-bank.card-bank--dark .card-bank__text {
    color: rgba(255, 255, 255, 0.75);
}

.card-bank.card-bank--dark .card-bank__footer {
    border-top-color: rgba(255, 255, 255, 0.12);
}

.card-bank.card-bank--dark .card-bank__link {
    color: var(--bs-gold-400);
}

.card-bank.card-bank--dark .card-bank__link:hover {
    color: var(--bs-gold-300);
}

.card-bank.card-bank--dark .card-bank__stat-value {
    color: var(--bs-gold-400);
}

.card-bank.card-bank--dark .card-bank__stat-label {
    color: rgba(255, 255, 255, 0.55);
}

.product-card {
    border-radius: 1.5rem;
    border: 1px solid var(--border-soft);
    box-shadow: 0 4px 16px -6px rgba(15, 23, 42, 0.06);
    overflow: hidden;
    background-color: #ffffff;
    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
    height: 100%;
    display: flex;
    flex-direction: column;
    position: relative;
}

.product-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 28px 60px -20px rgba(11, 61, 145, 0.28),
                0 12px 24px -12px rgba(15, 23, 42, 0.1);
    border-color: rgba(11, 61, 145, 0.18);
}

.product-card.product-card--featured {
    box-shadow: 0 0 0 2px var(--bs-gold-500),
                0 20px 50px -15px rgba(247, 181, 0, 0.25);
    transform: scale(1.02);
}

.product-card.product-card--featured:hover {
    box-shadow: 0 0 0 2px var(--bs-gold-500),
                0 30px 70px -20px rgba(247, 181, 0, 0.35);
}

.product-card__badge {
    position: absolute;
    top: 1rem;
    right: 1rem;
    z-index: 2;
    background: var(--gradient-gold-deep);
    color: var(--bs-navy-900);
    padding: 0.35rem 0.85rem;
    border-radius: 999px;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    box-shadow: 0 6px 16px -6px rgba(247, 181, 0, 0.6);
}

.product-card .product-card__head {
    padding: 2rem 1.75rem 1.75rem;
    color: #ffffff;
    position: relative;
    overflow: hidden;
}

.product-card .product-card__head::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.15) 0%, transparent 70%);
    pointer-events: none;
}

.product-card.product-card--primary .product-card__head {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 50%, #3a6bbd 100%);
}

.product-card.product-card--success .product-card__head {
    background: linear-gradient(135deg, #059669 0%, #10b981 50%, #34d399 100%);
}

.product-card.product-card--warning .product-card__head {
    background: linear-gradient(135deg, #b45309 0%, #f59e0b 50%, #fbbf24 100%);
}

.product-card.product-card--info .product-card__head {
    background: linear-gradient(135deg, #1d4ed8 0%, #3b82f6 50%, #60a5fa 100%);
}

.product-card.product-card--gold .product-card__head {
    background: linear-gradient(135deg, var(--bs-gold-600) 0%, var(--bs-gold-500) 50%, var(--bs-gold-300) 100%);
    color: var(--bs-navy-900);
}

.product-card.product-card--danger .product-card__head {
    background: linear-gradient(135deg, #b91c1c 0%, #ef4444 50%, #f87171 100%);
}

.product-card .product-card__head > * {
    position: relative;
    z-index: 1;
}

.product-card__icon {
    width: 52px;
    height: 52px;
    border-radius: 1.1rem;
    background: rgba(255, 255, 255, 0.18);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    font-size: 22px;
    margin-bottom: 1rem;
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.product-card.product-card--gold .product-card__icon {
    background: rgba(7, 35, 75, 0.15);
    color: var(--bs-navy-900);
    border-color: rgba(7, 35, 75, 0.2);
}

.product-card__title {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 0.35rem;
    letter-spacing: -0.01em;
    line-height: 1.2;
    color: #ffffff;
}

.product-card.product-card--gold .product-card__title {
    color: var(--bs-navy-900);
}

.product-card__subtitle {
    font-size: 0.9rem;
    opacity: 0.85;
    margin-bottom: 1rem;
}

.product-card__rate-row {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    gap: 1rem;
    margin-top: 1rem;
}

.product-card__rate-pill {
    display: inline-flex;
    align-items: center;
    background: rgba(255, 255, 255, 0.92);
    color: var(--bs-navy-900);
    border-radius: 999px;
    padding: 0.4rem 0.9rem;
    font-weight: 800;
    font-size: 0.95rem;
    letter-spacing: -0.01em;
    box-shadow: 0 6px 16px -6px rgba(15, 23, 42, 0.2);
    line-height: 1;
}

.product-card.product-card--gold .product-card__rate-pill {
    background: var(--bs-navy-900);
    color: var(--bs-gold-400);
}

.product-card__rate-note {
    font-size: 0.72rem;
    opacity: 0.75;
    margin-left: auto;
    padding-bottom: 0.25rem;
    font-weight: 500;
}

.product-card .card-body {
    padding: 1.75rem;
    flex: 1;
    display: flex;
    flex-direction: column;
}

.product-card ul {
    list-style: none;
    padding: 0;
    margin: 0 0 1.5rem 0;
    flex: 1;
}

.product-card ul li {
    display: flex;
    align-items: flex-start;
    gap: 0.65rem;
    padding: 0.55rem 0;
    color: var(--text-body);
    font-size: 0.92rem;
    line-height: 1.5;
}

.product-card ul li i,
.product-card ul li svg {
    color: var(--accent-success);
    font-size: 1rem;
    flex-shrink: 0;
    margin-top: 0.1rem;
}

.product-card.product-card--warning ul li i,
.product-card.product-card--warning ul li svg {
    color: var(--accent-warning);
}

.product-card.product-card--info ul li i,
.product-card.product-card--info ul li svg {
    color: var(--accent-info);
}

.product-card ul li.text-muted {
    color: var(--text-muted) !important;
}

.product-card ul li.text-muted i,
.product-card ul li.text-muted svg {
    color: var(--text-muted) !important;
    opacity: 0.5;
}

.product-card__footer {
    margin-top: auto;
    padding-top: 1.25rem;
    border-top: 1px solid var(--border-soft);
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
}

.product-card__footer-price {
    display: flex;
    align-items: baseline;
    justify-content: space-between;
    gap: 1rem;
}

.product-card__price {
    font-size: 1.8rem;
    font-weight: 800;
    letter-spacing: -0.02em;
    color: var(--text-heading);
    line-height: 1;
}

.product-card__price small {
    font-size: 0.5em;
    font-weight: 500;
    color: var(--text-muted);
    letter-spacing: 0;
}

.product-card__price-note {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-align: right;
    line-height: 1.3;
}

.card-navy {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-navy-800) 40%, var(--bs-primary) 100%);
    border-radius: 1.75rem;
    padding: 2.5rem;
    color: #ffffff;
    box-shadow: 0 30px 70px -25px rgba(7, 35, 75, 0.55);
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(255, 255, 255, 0.06);
}

.card-navy::before {
    content: '';
    position: absolute;
    top: -80px;
    right: -80px;
    width: 260px;
    height: 260px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(247, 181, 0, 0.22) 0%, transparent 70%);
    pointer-events: none;
}

.card-navy::after {
    content: '';
    position: absolute;
    bottom: -100px;
    left: -60px;
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(58, 107, 189, 0.4) 0%, transparent 70%);
    pointer-events: none;
}

.card-navy > * {
    position: relative;
    z-index: 1;
}

.card-navy h1,
.card-navy h2,
.card-navy h3,
.card-navy h4,
.card-navy h5,
.card-navy h6 {
    color: #ffffff;
}

.card-navy .eyebrow {
    color: var(--bs-gold-400);
    opacity: 1;
}

.card-navy .lead,
.card-navy p {
    color: rgba(255, 255, 255, 0.82);
}

.card-navy .text-muted {
    color: rgba(255, 255, 255, 0.6) !important;
}

.avatar-circle {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    font-size: 0.85rem;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-weight: 600;
    overflow: hidden;
    background: linear-gradient(135deg, var(--bs-primary) 0%, #3a6bbd 100%);
    color: #ffffff;
    box-shadow: 0 4px 10px -4px rgba(11, 61, 145, 0.35);
}

.avatar-circle img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.avatar-circle--lg {
    width: 80px;
    height: 80px;
    font-size: 1.75rem;
    border-width: 3px;
    box-shadow: 0 12px 30px -10px rgba(11, 61, 145, 0.45);
}

.avatar-circle--md {
    width: 52px;
    height: 52px;
    font-size: 1.1rem;
    box-shadow: 0 8px 20px -8px rgba(11, 61, 145, 0.4);
}

.avatar-circle--sm {
    width: 28px;
    height: 28px;
    font-size: 0.7rem;
    box-shadow: 0 3px 8px -3px rgba(11, 61, 145, 0.3);
}

.avatar-circle--xs {
    width: 22px;
    height: 22px;
    font-size: 0.6rem;
    box-shadow: 0 2px 6px -2px rgba(11, 61, 145, 0.3);
}

.avatar-circle--success {
    background: linear-gradient(135deg, #059669 0%, #10b981 100%);
    box-shadow: 0 4px 10px -4px rgba(16, 185, 129, 0.4);
}

.avatar-circle--warning {
    background: linear-gradient(135deg, #b45309 0%, #f59e0b 100%);
    color: var(--bs-navy-900);
    box-shadow: 0 4px 10px -4px rgba(245, 158, 11, 0.45);
}

.avatar-circle--info {
    background: linear-gradient(135deg, #1d4ed8 0%, #3b82f6 100%);
    box-shadow: 0 4px 10px -4px rgba(59, 130, 246, 0.45);
}

.avatar-circle--gold {
    background: linear-gradient(135deg, var(--bs-gold-600) 0%, var(--bs-gold-500) 100%);
    color: var(--bs-navy-900);
    box-shadow: 0 4px 10px -4px rgba(247, 181, 0, 0.5);
}

.avatar-circle--danger {
    background: linear-gradient(135deg, #b91c1c 0%, #ef4444 100%);
    box-shadow: 0 4px 10px -4px rgba(239, 68, 68, 0.45);
}

.avatar-circle--navy {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-navy-800) 100%);
}

.avatar-stack {
    display: inline-flex;
    align-items: center;
}

.avatar-stack .avatar-circle {
    border: 2.5px solid #ffffff;
    margin-left: -12px;
}

.avatar-stack .avatar-circle:first-child {
    margin-left: 0;
}

.avatar-stack--sm .avatar-circle {
    border-width: 2px;
    margin-left: -9px;
}

.avatar-stack--lg .avatar-circle {
    border-width: 3.5px;
    margin-left: -18px;
}

.testimonial-card {
    background: #ffffff;
    border-radius: 1.5rem;
    padding: 2rem;
    border: 1px solid var(--border-soft);
    box-shadow: 0 6px 20px -8px rgba(15, 23, 42, 0.08);
    height: 100%;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    position: relative;
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: 1.25rem;
    right: 1.75rem;
    font-family: Georgia, serif;
    font-size: 5rem;
    line-height: 1;
    color: rgba(11, 61, 145, 0.08);
    font-weight: 800;
    pointer-events: none;
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 22px 50px -18px rgba(11, 61, 145, 0.2);
}

.testimonial-card__quote {
    font-size: 1rem;
    line-height: 1.75;
    color: var(--text-body);
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
}

.testimonial-card__stars {
    color: var(--bs-gold-500);
    font-size: 0.95rem;
    margin-bottom: 1rem;
    letter-spacing: 0.05em;
}

.testimonial-card__footer {
    display: flex;
    align-items: center;
    gap: 0.85rem;
}

.testimonial-card__name {
    font-weight: 700;
    color: var(--text-heading);
    font-size: 0.95rem;
    margin-bottom: 0.1rem;
}

.testimonial-card__role {
    font-size: 0.8rem;
    color: var(--text-muted);
}

.stat-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.35rem 0.75rem;
    border-radius: 999px;
    font-size: 0.8rem;
    font-weight: 700;
    background: var(--accent-success-soft);
    color: var(--accent-success);
}

.stat-pill.stat-pill--up::before {
    content: '\2197';
    font-size: 0.9em;
}

.stat-pill.stat-pill--down {
    background: var(--accent-danger-soft);
    color: var(--accent-danger);
}

.stat-pill.stat-pill--down::before {
    content: '\2198';
    font-size: 0.9em;
}

.stat-pill.stat-pill--neutral {
    background: var(--accent-info-soft);
    color: var(--accent-info);
}

.stat-pill.stat-pill--warning {
    background: var(--accent-warning-soft);
    color: var(--accent-warning);
}

.stat-pill.stat-pill--gold {
    background: rgba(247, 181, 0, 0.14);
    color: var(--bs-gold-600);
}

.badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.3rem;
    padding: 0.3rem 0.7rem;
    border-radius: 999px;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    line-height: 1.2;
}

.badge-pill.badge-pill--primary {
    background: rgba(11, 61, 145, 0.1);
    color: var(--bs-primary);
}

.badge-pill.badge-pill--success {
    background: var(--accent-success-soft);
    color: var(--accent-success);
}

.badge-pill.badge-pill--warning {
    background: var(--accent-warning-soft);
    color: var(--accent-warning);
}

.badge-pill.badge-pill--info {
    background: var(--accent-info-soft);
    color: var(--accent-info);
}

.badge-pill.badge-pill--danger {
    background: var(--accent-danger-soft);
    color: var(--accent-danger);
}

.badge-pill.badge-pill--gold {
    background: rgba(247, 181, 0, 0.14);
    color: var(--bs-gold-600);
}

.badge-pill.badge-pill--navy {
    background: rgba(7, 35, 75, 0.08);
    color: var(--bs-navy-900);
}

.badge-pill.badge-pill--outline {
    background: transparent;
    border: 1.5px solid currentColor;
}

/* ============================================================
   SECTION 5: TEXT & CTAs
   Typography enhancements and button component variants
   ============================================================ */

.eyebrow {
    letter-spacing: 0.15em;
    opacity: 0.9;
    text-transform: uppercase;
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--bs-primary);
    display: inline-block;
}

.eyebrow.eyebrow--pill {
    padding: 0.3rem 0.75rem;
    border-radius: 999px;
    background: var(--accent-navy-soft);
}

.eyebrow.eyebrow--gold {
    color: var(--bs-gold-600);
}

.eyebrow.eyebrow--gold.eyebrow--pill {
    background: rgba(247, 181, 0, 0.12);
}

.eyebrow.eyebrow--success {
    color: var(--accent-success);
}

.eyebrow.eyebrow--success.eyebrow--pill {
    background: var(--accent-success-soft);
}

.eyebrow.eyebrow--white {
    color: rgba(255, 255, 255, 0.9);
}

.eyebrow.eyebrow--white.eyebrow--pill {
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.text-display {
    font-weight: 800;
    line-height: 1.05;
    letter-spacing: -0.025em;
    font-size: clamp(1.8rem, 4vw, 2.5rem);
}

@media (min-width: 768px) {
    .text-display {
        font-size: clamp(2.25rem, 4vw, 3rem);
    }
}

.text-display.text-display--lg {
    font-size: clamp(2.25rem, 5vw, 3.5rem);
}

@media (min-width: 768px) {
    .text-display.text-display--lg {
        font-size: clamp(2.75rem, 5vw, 4.25rem);
    }
}

.text-display.text-display--sm {
    font-size: clamp(1.5rem, 3.5vw, 2rem);
}

@media (min-width: 768px) {
    .text-display.text-display--sm {
        font-size: clamp(1.75rem, 3.5vw, 2.5rem);
    }
}

.btn-primary-solid {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--gradient-cta);
    color: #ffffff;
    border: 2px solid transparent;
    padding: 0.75rem 1.4rem;
    font-weight: 700;
    font-size: 0.95rem;
    border-radius: 0.9rem;
    text-decoration: none;
    transition: all 0.25s ease;
    box-shadow: var(--shadow-primary);
    letter-spacing: 0.01em;
    line-height: 1.3;
    cursor: pointer;
    white-space: nowrap;
}

.btn-primary-solid:hover {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 50%, #3a6bbd 100%);
    color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 16px 36px -12px rgba(11, 61, 145, 0.5);
}

.btn-primary-solid:active {
    transform: translateY(0);
    box-shadow: 0 8px 18px -8px rgba(11, 61, 145, 0.4);
}

.btn-primary-solid:focus-visible {
    outline: none;
    box-shadow: 0 0 0 4px rgba(11, 61, 145, 0.2), var(--shadow-primary);
}

.btn-primary-solid i {
    transition: transform 0.25s ease;
}

.btn-primary-solid:hover i {
    transform: translateX(3px);
}

.btn-outline-navy {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: transparent;
    color: var(--bs-navy-900);
    border: 2px solid var(--bs-navy-900);
    padding: 0.75rem 1.4rem;
    font-weight: 700;
    font-size: 0.95rem;
    border-radius: 0.9rem;
    text-decoration: none;
    transition: all 0.25s ease;
    letter-spacing: 0.01em;
    line-height: 1.3;
    cursor: pointer;
    white-space: nowrap;
}

.btn-outline-navy:hover {
    background: var(--bs-navy-900);
    color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 14px 32px -12px rgba(7, 35, 75, 0.45);
}

.btn-outline-navy:active {
    transform: translateY(0);
}

.btn-outline-navy:focus-visible {
    outline: none;
    box-shadow: 0 0 0 4px rgba(7, 35, 75, 0.15);
}

.btn-outline-navy.btn-outline-navy--white {
    border-color: #ffffff;
    color: #ffffff;
}

.btn-outline-navy.btn-outline-navy--white:hover {
    background: #ffffff;
    color: var(--bs-navy-900);
    box-shadow: 0 14px 32px -12px rgba(255, 255, 255, 0.3);
}

.btn-gold {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: var(--gradient-gold-deep);
    color: var(--bs-navy-900);
    border: 2px solid transparent;
    padding: 0.75rem 1.4rem;
    font-weight: 800;
    font-size: 0.95rem;
    border-radius: 0.9rem;
    text-decoration: none;
    transition: all 0.25s ease;
    box-shadow: var(--shadow-gold);
    letter-spacing: 0.01em;
    line-height: 1.3;
    cursor: pointer;
    white-space: nowrap;
}

.btn-gold:hover {
    background: linear-gradient(135deg, #e5a900 0%, var(--bs-gold-500) 50%, var(--bs-gold-400) 100%);
    color: var(--bs-navy-900);
    transform: translateY(-2px);
    box-shadow: 0 16px 36px -12px rgba(247, 181, 0, 0.65);
}

.btn-gold:active {
    transform: translateY(0);
    box-shadow: 0 8px 18px -8px rgba(247, 181, 0, 0.5);
}

.btn-gold:focus-visible {
    outline: none;
    box-shadow: 0 0 0 4px rgba(247, 181, 0, 0.22), var(--shadow-gold);
}

.btn-gold i {
    transition: transform 0.25s ease;
}

.btn-gold:hover i {
    transform: translateX(3px);
}

.btn-ghost {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    background: transparent;
    color: var(--bs-primary);
    border: 2px solid transparent;
    padding: 0.75rem 1.4rem;
    font-weight: 700;
    font-size: 0.95rem;
    border-radius: 0.9rem;
    text-decoration: none;
    transition: all 0.25s ease;
    letter-spacing: 0.01em;
    line-height: 1.3;
    cursor: pointer;
    white-space: nowrap;
}

.btn-ghost:hover {
    background: var(--accent-navy-soft);
    color: var(--bs-navy-900);
    transform: translateY(-2px);
}

.btn-ghost:active {
    transform: translateY(0);
}

.btn-ghost.btn-ghost--white {
    color: rgba(255, 255, 255, 0.95);
}

.btn-ghost.btn-ghost--white:hover {
    background: rgba(255, 255, 255, 0.12);
    color: #ffffff;
}

.btn-ghost.btn-ghost--gold {
    color: var(--bs-gold-600);
}

.btn-ghost.btn-ghost--gold:hover {
    background: rgba(247, 181, 0, 0.12);
}

.btn-lg-bank {
    padding: 0.95rem 1.85rem;
    font-size: 1.125rem;
    line-height: 1.2;
    border-radius: 1rem;
    font-weight: 700;
}

.btn-sm-bank {
    padding: 0.5rem 1rem;
    font-size: 0.85rem;
    border-radius: 0.7rem;
    font-weight: 600;
}

.btn-xl-bank {
    padding: 1.1rem 2.25rem;
    font-size: 1.2rem;
    line-height: 1.2;
    border-radius: 1.1rem;
    font-weight: 800;
}

.btn-full {
    width: 100%;
    display: flex;
}

.btn-icon {
    padding: 0.75rem;
    width: auto;
    min-width: unset;
    aspect-ratio: 1 / 1;
    display: inline-flex;
    align-items: center;
    justify-content: center;
}

.btn-icon.btn-icon--sm {
    padding: 0.5rem;
    font-size: 0.9rem;
}

.btn-icon.btn-icon--lg {
    padding: 1rem;
    font-size: 1.15rem;
}

.btn-hover-lift {
    transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.btn-hover-lift:hover {
    transform: translateY(-2px);
}

.link-arrow {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    font-weight: 700;
    color: var(--bs-primary);
    text-decoration: none;
    transition: all 0.2s ease;
    font-size: 0.95rem;
}

.link-arrow i {
    transition: transform 0.2s ease;
    font-size: 0.9em;
}

.link-arrow:hover {
    color: var(--bs-navy-900);
}

.link-arrow:hover i {
    transform: translateX(4px);
}

.link-arrow.link-arrow--white {
    color: #ffffff;
}

.link-arrow.link-arrow--white:hover {
    color: var(--bs-gold-400);
}

.link-arrow.link-arrow--gold {
    color: var(--bs-gold-600);
}

.link-arrow.link-arrow--gold:hover {
    color: var(--bs-gold-500);
}

.text-balance {
    text-wrap: balance;
}

.text-pretty {
    text-wrap: pretty;
}

.font-weight-800 { font-weight: 800 !important; }
.font-weight-700 { font-weight: 700 !important; }
.font-weight-600 { font-weight: 600 !important; }
.font-weight-500 { font-weight: 500 !important; }

.space-y-8 > * + * { margin-top: 2rem; }
.space-y-6 > * + * { margin-top: 1.5rem; }
.space-y-5 > * + * { margin-top: 1.25rem; }
.space-y-4 > * + * { margin-top: 1rem; }
.space-y-3 > * + * { margin-top: 0.75rem; }
.space-y-2 > * + * { margin-top: 0.5rem; }

.space-x-8 > * + * { margin-left: 2rem; }
.space-x-6 > * + * { margin-left: 1.5rem; }
.space-x-5 > * + * { margin-left: 1.25rem; }
.space-x-4 > * + * { margin-left: 1rem; }
.space-x-3 > * + * { margin-left: 0.75rem; }
.space-x-2 > * + * { margin-left: 0.5rem; }

.gap-8 { gap: 2rem; }
.gap-7 { gap: 1.75rem; }
.gap-6 { gap: 1.5rem; }
.gap-5 { gap: 1.25rem; }
.gap-4-5 { gap: 1.125rem; }

/* ============================================================
   SECTION 6: TABLES / PRICING / FAQ
   Accordion FAQ, comparison rows, and pricing table layouts
   ============================================================ */

.accordion-bank {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.accordion-bank .accordion-item {
    border: 1px solid var(--border-soft) !important;
    border-radius: 1.25rem !important;
    overflow: hidden;
    box-shadow: 0 4px 14px -6px rgba(15, 23, 42, 0.05);
    background: #ffffff;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.accordion-bank .accordion-item:not(.collapsed-item):hover {
    border-color: rgba(11, 61, 145, 0.18);
    box-shadow: 0 10px 28px -12px rgba(11, 61, 145, 0.15);
}

.accordion-bank .accordion-button {
    padding: 1.35rem 1.5rem;
    font-weight: 700;
    font-size: 1rem;
    color: var(--text-heading);
    background: transparent;
    border: none;
    border-radius: 1.25rem;
    box-shadow: none !important;
    letter-spacing: -0.005em;
    line-height: 1.45;
}

.accordion-bank .accordion-button:hover {
    color: var(--bs-primary);
}

.accordion-bank .accordion-button:not(.collapsed) {
    background: rgba(11, 61, 145, 0.04);
    color: var(--bs-primary);
    border-bottom-right-radius: 0;
    border-bottom-left-radius: 0;
    box-shadow: none !important;
}

.accordion-bank .accordion-button::after {
    width: 1.2rem;
    height: 1.2rem;
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230b3d91'><path fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z' clip-rule='evenodd'/></svg>");
    background-size: contain;
    transition: transform 0.3s ease, opacity 0.2s ease;
    opacity: 0.75;
    margin-left: 1rem;
    flex-shrink: 0;
}

.accordion-bank .accordion-button:hover::after {
    opacity: 1;
}

.accordion-bank .accordion-button:not(.collapsed)::after {
    transform: rotate(180deg);
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230b3d91'><path fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z' clip-rule='evenodd'/></svg>");
    opacity: 1;
}

.accordion-bank .accordion-button:focus {
    box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.12) !important;
    border-color: transparent;
    z-index: 2;
}

.accordion-bank .accordion-body {
    padding: 0 1.5rem 1.5rem 1.5rem;
    color: var(--text-body);
    font-size: 0.95rem;
    line-height: 1.75;
}

.accordion-bank .accordion-body > :first-child {
    padding-top: 0.25rem;
}

.accordion-bank .accordion-body p {
    margin-bottom: 0.85rem;
}

.accordion-bank .accordion-body p:last-child {
    margin-bottom: 0;
}

.accordion-bank .accordion-body ul {
    padding-left: 1.1rem;
    margin-bottom: 0.85rem;
}

.accordion-bank .accordion-body ul li {
    margin-bottom: 0.35rem;
}

.accordion-bank .accordion-icon {
    width: 36px;
    height: 36px;
    border-radius: 0.75rem;
    background: var(--accent-navy-soft);
    color: var(--bs-primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
    margin-right: 0.85rem;
}

.faq-item {
    background: #ffffff;
    border: 1px solid var(--border-soft);
    border-radius: 1.25rem;
    padding: 1.5rem 1.75rem;
    box-shadow: 0 4px 14px -6px rgba(15, 23, 42, 0.05);
    transition: all 0.25s ease;
    cursor: pointer;
}

.faq-item:hover {
    border-color: rgba(11, 61, 145, 0.18);
    box-shadow: 0 10px 28px -12px rgba(11, 61, 145, 0.15);
    transform: translateY(-1px);
}

.faq-item.faq-item--open {
    border-color: rgba(11, 61, 145, 0.25);
    background: linear-gradient(180deg, #ffffff 0%, rgba(11, 61, 145, 0.02) 100%);
}

.faq-item__question {
    display: flex;
    align-items: flex-start;
    justify-content: space-between;
    gap: 1rem;
    font-weight: 700;
    color: var(--text-heading);
    font-size: 1rem;
    line-height: 1.45;
}

.faq-item__toggle {
    width: 30px;
    height: 30px;
    border-radius: 0.65rem;
    background: var(--accent-navy-soft);
    color: var(--bs-primary);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: all 0.3s ease;
    font-size: 0.9rem;
    font-weight: 800;
}

.faq-item:hover .faq-item__toggle {
    background: var(--bs-primary);
    color: #ffffff;
}

.faq-item.faq-item--open .faq-item__toggle {
    background: var(--bs-primary);
    color: #ffffff;
    transform: rotate(180deg);
}

.faq-item__answer {
    margin-top: 1rem;
    padding-top: 1rem;
    border-top: 1px solid var(--border-soft);
    color: var(--text-body);
    font-size: 0.95rem;
    line-height: 1.75;
    display: none;
}

.faq-item.faq-item--open .faq-item__answer {
    display: block;
    animation: faqOpen 0.35s ease both;
}

@keyframes faqOpen {
    from {
        opacity: 0;
        transform: translateY(-6px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.compare-table {
    width: 100%;
    border-collapse: separate;
    border-spacing: 0;
    background: #ffffff;
    border-radius: 1.5rem;
    overflow: hidden;
    box-shadow: 0 6px 24px -10px rgba(15, 23, 42, 0.1);
    border: 1px solid var(--border-soft);
}

.compare-table thead {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 100%);
    color: #ffffff;
}

.compare-table thead th {
    padding: 1.25rem 1.5rem;
    font-weight: 700;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    text-align: left;
    border: none;
    white-space: nowrap;
}

.compare-table thead th:first-child {
    padding-left: 1.75rem;
}

.compare-table thead th:last-child {
    padding-right: 1.75rem;
}

.compare-table thead th.compare-table__featured {
    background: linear-gradient(135deg, var(--bs-gold-600) 0%, var(--bs-gold-500) 100%);
    color: var(--bs-navy-900);
}

.compare-table tbody td {
    padding: 1rem 1.5rem;
    font-size: 0.95rem;
    color: var(--text-body);
    border-top: 1px solid var(--border-soft);
    vertical-align: middle;
    transition: background 0.15s ease;
}

.compare-table tbody td:first-child {
    padding-left: 1.75rem;
    font-weight: 600;
    color: var(--text-heading);
}

.compare-table tbody td:last-child {
    padding-right: 1.75rem;
}

.compare-table tbody tr:hover td {
    background: rgba(11, 61, 145, 0.025);
}

.compare-table tbody tr:hover td:first-child {
    color: var(--bs-primary);
}

.compare-table tbody td.compare-table__featured {
    background: rgba(247, 181, 0, 0.04);
    font-weight: 600;
}

.compare-table tbody tr:hover td.compare-table__featured {
    background: rgba(247, 181, 0, 0.08);
}

.compare-table .check-icon {
    color: var(--accent-success);
    font-size: 1.1rem;
}

.compare-table .cross-icon {
    color: var(--text-muted);
    opacity: 0.5;
    font-size: 1rem;
}

.compare-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
    border: 1px solid var(--border-soft);
    border-radius: 1.25rem;
    overflow: hidden;
    margin-bottom: 0.85rem;
    background: #ffffff;
    box-shadow: 0 4px 14px -6px rgba(15, 23, 42, 0.05);
    transition: all 0.2s ease;
}

.compare-row:hover {
    border-color: rgba(11, 61, 145, 0.18);
    box-shadow: 0 10px 28px -12px rgba(11, 61, 145, 0.15);
}

.compare-row.compare-row--three {
    grid-template-columns: 1.2fr 1fr 1fr;
}

.compare-row.compare-row--four {
    grid-template-columns: 1.2fr 1fr 1fr 1fr;
}

.compare-row__label {
    padding: 1rem 1.25rem;
    font-weight: 700;
    color: var(--text-heading);
    font-size: 0.95rem;
    background: var(--color-surface);
    display: flex;
    align-items: center;
    gap: 0.65rem;
    border-right: 1px solid var(--border-soft);
}

.compare-row__value {
    padding: 1rem 1.25rem;
    font-size: 0.93rem;
    color: var(--text-body);
    display: flex;
    align-items: center;
    gap: 0.6rem;
    border-right: 1px solid var(--border-soft);
}

.compare-row__value:last-child {
    border-right: none;
}

.compare-row__value.compare-row__value--featured {
    background: rgba(247, 181, 0, 0.05);
    font-weight: 600;
    color: var(--bs-navy-900);
}

.compare-row__value .compare-row__check {
    color: var(--accent-success);
    font-size: 1.05rem;
    flex-shrink: 0;
}

.compare-row__value .compare-row__cross {
    color: var(--text-muted);
    opacity: 0.5;
    font-size: 0.95rem;
    flex-shrink: 0;
}

.pricing-tier {
    position: relative;
    background: #ffffff;
    border: 1px solid var(--border-soft);
    border-radius: 1.5rem;
    padding: 2rem 1.75rem;
    box-shadow: 0 6px 24px -10px rgba(15, 23, 42, 0.08);
    transition: all 0.3s ease;
    height: 100%;
    display: flex;
    flex-direction: column;
}

.pricing-tier:hover {
    transform: translateY(-5px);
    box-shadow: 0 24px 56px -20px rgba(11, 61, 145, 0.22);
    border-color: rgba(11, 61, 145, 0.18);
}

.pricing-tier.pricing-tier--highlight {
    border: 2px solid var(--bs-primary);
    box-shadow: 0 16px 48px -16px rgba(11, 61, 145, 0.3);
    transform: translateY(-5px) scale(1.02);
}

.pricing-tier.pricing-tier--highlight:hover {
    transform: translateY(-8px) scale(1.02);
    box-shadow: 0 28px 70px -20px rgba(11, 61, 145, 0.4);
}

.pricing-tier__badge {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--gradient-gold-deep);
    color: var(--bs-navy-900);
    padding: 0.35rem 1rem;
    border-radius: 999px;
    font-size: 0.75rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    box-shadow: 0 6px 16px -6px rgba(247, 181, 0, 0.6);
    white-space: nowrap;
}

.pricing-tier__head {
    text-align: center;
    padding-bottom: 1.5rem;
    margin-bottom: 1.5rem;
    border-bottom: 1px solid var(--border-soft);
}

.pricing-tier__name {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--text-heading);
    letter-spacing: -0.01em;
    margin-bottom: 0.35rem;
}

.pricing-tier__description {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.5;
    margin-bottom: 1.25rem;
}

.pricing-tier__price {
    font-size: 2.75rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--text-heading);
    line-height: 1;
}

.pricing-tier__price small {
    font-size: 0.35em;
    font-weight: 500;
    color: var(--text-muted);
    letter-spacing: 0;
    vertical-align: super;
    margin-right: 0.2rem;
}

.pricing-tier__price-note {
    font-size: 0.78rem;
    color: var(--text-muted);
    margin-top: 0.4rem;
    letter-spacing: 0.01em;
}

.pricing-tier__features {
    list-style: none;
    padding: 0;
    margin: 0 0 1.75rem 0;
    flex: 1;
}

.pricing-tier__features li {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    padding: 0.5rem 0;
    font-size: 0.9rem;
    color: var(--text-body);
    line-height: 1.5;
}

.pricing-tier__features li i,
.pricing-tier__features li svg {
    color: var(--accent-success);
    font-size: 1rem;
    margin-top: 0.1rem;
    flex-shrink: 0;
}

.pricing-tier__features li.li-muted {
    color: var(--text-muted);
    opacity: 0.65;
}

.pricing-tier__features li.li-muted i,
.pricing-tier__features li.li-muted svg {
    color: var(--text-muted);
    opacity: 0.5;
}

.pricing-tier__cta {
    display: block;
    width: 100%;
    text-align: center;
    margin-top: auto;
}

/* ============================================================
   SECTION 7: FOOTER ENHANCED
   Premium dark footer with gradients, badges, social icons
   ============================================================ */

.site-footer .footer-top {
    background: linear-gradient(135deg, rgba(11, 61, 145, 0.06) 0%, rgba(247, 181, 0, 0.06) 100%);
    border-bottom: 1px solid rgba(11, 61, 145, 0.08);
    padding: 3rem 0;
    position: relative;
    overflow: hidden;
}

.footer-top::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -80px;
    width: 320px;
    height: 320px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(247, 181, 0, 0.12) 0%, transparent 70%);
    pointer-events: none;
}

.footer-top > * {
    position: relative;
    z-index: 1;
}

.footer-top__inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
}

.footer-top__content {
    flex: 1;
    min-width: 280px;
}

.footer-top__eyebrow {
    color: var(--bs-primary);
    font-weight: 800;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 0.5rem;
    display: block;
}

.footer-top__heading {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--text-heading);
    letter-spacing: -0.015em;
    margin-bottom: 0.35rem;
    line-height: 1.2;
}

.footer-top__subhead {
    color: var(--text-muted);
    font-size: 0.98rem;
    margin-bottom: 0;
    max-width: 520px;
}

.footer-top__subscribe {
    display: flex;
    gap: 0.6rem;
    min-width: 320px;
    max-width: 460px;
    flex: 1;
}

.footer-top__subscribe .form-control {
    flex: 1;
    min-width: 0;
    background: #ffffff;
    border-color: var(--border-soft);
    padding: 0.8rem 1.1rem;
    border-radius: 0.9rem;
    font-size: 0.95rem;
}

.footer-top__subscribe .form-control:focus {
    border-color: var(--bs-primary);
    box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.12);
}

.footer-top__subscribe .btn {
    padding: 0.8rem 1.5rem;
    border-radius: 0.9rem;
    font-weight: 700;
    white-space: nowrap;
    background: var(--gradient-cta);
    color: #ffffff;
    border-color: transparent;
    box-shadow: var(--shadow-primary);
}

.footer-top__subscribe .btn:hover {
    background: linear-gradient(135deg, var(--bs-navy-900) 0%, var(--bs-primary) 50%, #3a6bbd 100%);
    transform: translateY(-1px);
    box-shadow: 0 14px 32px -12px rgba(11, 61, 145, 0.5);
}

.site-footer {
    color: rgba(255, 255, 255, 0.85);
    overflow: hidden;
}

.site-footer .footer-main {
    background: linear-gradient(180deg, var(--bs-navy-900) 0%, var(--bs-navy-800) 45%, #0b3d91 100%);
    padding: 5rem 0 3rem 0;
    position: relative;
    overflow: hidden;
}

.site-footer .footer-main::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -120px;
    width: 420px;
    height: 420px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(247, 181, 0, 0.14) 0%, transparent 70%);
    pointer-events: none;
}

.site-footer .footer-main::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -100px;
    width: 380px;
    height: 380px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(58, 107, 189, 0.3) 0%, transparent 70%);
    pointer-events: none;
}

.site-footer .footer-main > * {
    position: relative;
    z-index: 1;
}

.footer-brand-text {
    background: linear-gradient(135deg, #ffffff 0%, var(--bs-gold-400) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
    -webkit-text-fill-color: transparent;
    font-weight: 800;
    letter-spacing: -0.02em;
}

.footer-brand {
    display: flex;
    flex-direction: column;
    gap: 1.1rem;
}

.footer-brand__logo {
    display: inline-flex;
    align-items: center;
    gap: 0.65rem;
    margin-bottom: 0.15rem;
}

.footer-brand__description {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.92rem;
    line-height: 1.7;
    max-width: 340px;
    margin-bottom: 0;
}

.footer-brand__badges {
    display: flex;
    flex-wrap: wrap;
    gap: 0.55rem;
    margin-top: 0.25rem;
}

.footer-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.45rem 0.8rem;
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 0.7rem;
    font-size: 0.78rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.88);
    transition: all 0.2s ease;
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
}

.footer-badge:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.2);
    transform: translateY(-1px);
}

.footer-badge i,
.footer-badge svg {
    color: var(--bs-gold-400);
    font-size: 1.05em;
    flex-shrink: 0;
}

.footer-badge.footer-badge--success i,
.footer-badge.footer-badge--success svg {
    color: #34d399;
}

.footer-badge.footer-badge--info i,
.footer-badge.footer-badge--info svg {
    color: #60a5fa;
}

.site-footer .footer-heading {
    color: #ffffff;
    font-weight: 700;
    font-size: 0.82rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    margin-bottom: 1.25rem;
    position: relative;
    padding-bottom: 0.75rem;
}

.site-footer .footer-heading::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 36px;
    height: 3px;
    border-radius: 2px;
    background: linear-gradient(90deg, var(--bs-gold-500) 0%, var(--bs-gold-300) 100%);
}

.footer-links {
    list-style: none;
    padding: 0;
    margin: 0;
}

.footer-links li {
    margin-bottom: 0.55rem;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.72);
    text-decoration: none;
    font-size: 0.92rem;
    transition: all 0.2s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0.1rem 0;
    position: relative;
    font-weight: 500;
    line-height: 1.5;
}

.footer-links a::before {
    content: '';
    position: absolute;
    left: 0;
    bottom: -1px;
    width: 0;
    height: 1.5px;
    background: var(--bs-gold-400);
    transition: width 0.25s ease;
}

.footer-links a:hover {
    color: var(--bs-gold-400);
    padding-left: 4px;
}

.footer-links a:hover::before {
    width: 100%;
}

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.footer-contact__item {
    display: flex;
    align-items: flex-start;
    gap: 0.7rem;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.78);
    line-height: 1.55;
}

.footer-contact__icon {
    width: 34px;
    height: 34px;
    border-radius: 0.7rem;
    background: rgba(255, 255, 255, 0.08);
    color: var(--bs-gold-400);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 0.9rem;
    flex-shrink: 0;
}

.footer-contact__label {
    display: block;
    font-size: 0.72rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: rgba(255, 255, 255, 0.5);
    margin-bottom: 0.15rem;
    font-weight: 600;
}

.footer-contact__value {
    color: rgba(255, 255, 255, 0.88);
    text-decoration: none;
    font-weight: 600;
    transition: color 0.2s ease;
}

a.footer-contact__value:hover {
    color: var(--bs-gold-400);
}

.footer-social {
    display: flex;
    flex-wrap: wrap;
    gap: 0.6rem;
    margin-top: 1.5rem;
}

.social-icon {
    width: 42px;
    height: 42px;
    border-radius: 999px;
    border: 1.5px solid rgba(255, 255, 255, 0.25);
    color: #ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: all 0.25s ease;
    font-size: 1rem;
    background: transparent;
}

.social-icon:hover {
    background: var(--gradient-gold-deep);
    color: var(--bs-navy-900);
    border-color: transparent;
    transform: translateY(-3px);
    box-shadow: 0 10px 24px -10px rgba(247, 181, 0, 0.65);
}

.social-icon.social-icon--facebook:hover { background: #1877f2; color: #ffffff; }
.social-icon.social-icon--twitter:hover { background: #000000; color: #ffffff; }
.social-icon.social-icon--linkedin:hover { background: #0a66c2; color: #ffffff; }
.social-icon.social-icon--instagram:hover { background: linear-gradient(135deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%); color: #ffffff; }
.social-icon.social-icon--youtube:hover { background: #ff0000; color: #ffffff; }

.footer-bottom {
    background: rgba(7, 35, 75, 0.95);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 1.5rem 0;
    position: relative;
    z-index: 1;
}

.footer-bottom__inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.footer-bottom__copy {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.55);
    margin-bottom: 0;
}

.footer-bottom__links {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem 1.5rem;
}

.footer-bottom__links a {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.55);
    text-decoration: none;
    transition: color 0.2s ease;
    font-weight: 500;
}

.footer-bottom__links a:hover {
    color: var(--bs-gold-400);
}

.footer-fscs {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 0.85rem;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 0.7rem;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.82);
    font-weight: 600;
}

.footer-fscs strong {
    color: #ffffff;
    font-weight: 800;
    letter-spacing: 0.02em;
}

/* ============================================================
   SECTION 8: RESPONSIVE TUNES
   Mobile adjustments and breakpoint-specific tuning
   ============================================================ */

@media (max-width: 1199.98px) {
    .section {
        padding-top: 4.5rem;
        padding-bottom: 4.5rem;
    }
    .section.section--lg {
        padding-top: 6rem;
        padding-bottom: 6rem;
    }
    .section.section--xl {
        padding-top: 7rem;
        padding-bottom: 7rem;
    }
}

@media (max-width: 991.98px) {
    .hero-bank {
        min-height: auto;
        padding-top: 5rem;
        padding-bottom: 8rem;
    }
    .hero-heading {
        font-size: clamp(2rem, 6vw, 3.25rem);
    }
    .hero-lede {
        font-size: 1.05rem;
    }
    .hero-visual-stack {
        min-height: 480px;
        margin-top: 3rem;
    }
    .section-header {
        margin-bottom: 3rem;
    }
    .section {
        padding-top: 4rem;
        padding-bottom: 4rem;
    }
    .section.section--lg {
        padding-top: 5rem;
        padding-bottom: 5rem;
    }
    .section.section--xl {
        padding-top: 6rem;
        padding-bottom: 6rem;
    }
    .pricing-tier.pricing-tier--highlight {
        transform: none;
    }
    .pricing-tier.pricing-tier--highlight:hover {
        transform: translateY(-5px);
    }
    .product-card.product-card--featured {
        transform: none;
    }
    .compare-row.compare-row--four {
        grid-template-columns: 1.2fr 1fr 1fr;
    }
    .compare-row.compare-row--four .compare-row__value:nth-child(4) {
        grid-column: 1 / -1;
        border-top: 1px solid var(--border-soft);
        border-right: none;
    }
    .footer-top {
        padding: 2.25rem 0;
    }
    .footer-top__inner {
        flex-direction: column;
        align-items: flex-start;
        gap: 1.5rem;
    }
    .footer-top__subscribe {
        width: 100%;
        max-width: 100%;
    }
    .site-footer .footer-main {
        padding: 4rem 0 2.5rem 0;
    }
}

@media (max-width: 767.98px) {
    .hero-bank {
        padding-top: 4rem;
        padding-bottom: 7rem;
    }
    .hero-heading {
        font-size: clamp(1.85rem, 8vw, 2.75rem);
        line-height: 1.08;
        letter-spacing: -0.015em;
    }
    .hero-lede {
        font-size: 1rem;
        line-height: 1.65;
    }
    .hero-eyebrow {
        font-size: 0.72rem;
        padding: 0.3rem 0.85rem;
        margin-bottom: 1.2rem;
    }
    .hero-ctas {
        margin-top: 1.75rem;
        gap: 0.65rem;
    }
    .hero-ctas .btn,
    .hero-ctas > a,
    .hero-ctas > button {
        flex: 1 1 100%;
    }
    .hero-trust-row {
        margin-top: 1.75rem;
        gap: 0.45rem;
    }
    .hero-trust-pill {
        font-size: 0.78rem;
        padding: 0.4rem 0.75rem;
    }
    .hero-visual-stack {
        min-height: 420px;
        margin-top: 2.5rem;
    }
    .hero-glass-panel {
        padding: 1.35rem;
    }
    .hero-bank .hero-bank__blur--1 {
        width: 320px;
        height: 320px;
        top: -100px;
        right: -80px;
    }
    .hero-bank .hero-bank__blur--2 {
        width: 280px;
        height: 280px;
        bottom: 40px;
        left: -80px;
    }
    .hero-bank .hero-bank__blur--3 {
        width: 200px;
        height: 200px;
    }
    .section {
        padding-top: 3.25rem;
        padding-bottom: 3.25rem;
    }
    .section.section--sm {
        padding-top: 2.25rem;
        padding-bottom: 2.25rem;
    }
    .section.section--lg {
        padding-top: 4rem;
        padding-bottom: 4rem;
    }
    .section.section--xl {
        padding-top: 4.5rem;
        padding-bottom: 4.5rem;
    }
    .section-header {
        margin-bottom: 2.5rem;
    }
    .section-header.section-header--tight {
        margin-bottom: 1.75rem;
    }
    .section-header.section-header--loose {
        margin-bottom: 3.5rem;
    }
    .section-header h2,
    .section-header .h2 {
        font-size: 1.75rem;
    }
    .section-header .section-header__subhead {
        font-size: 0.98rem;
        line-height: 1.65;
    }
    .text-display {
        font-size: clamp(1.6rem, 6vw, 2.1rem);
    }
    .text-display.text-display--lg {
        font-size: clamp(1.9rem, 7vw, 2.6rem);
    }
    .card-bank {
        padding: 1.35rem;
    }
    .card-bank.card-bank--padded {
        padding: 1.75rem;
    }
    .card-bank__icon {
        width: 48px;
        height: 48px;
        font-size: 20px;
        border-radius: 1.05rem;
    }
    .product-card .product-card__head {
        padding: 1.5rem 1.35rem 1.35rem;
    }
    .product-card .card-body {
        padding: 1.35rem;
    }
    .card-navy {
        padding: 1.75rem;
        border-radius: 1.35rem;
    }
    .testimonial-card {
        padding: 1.5rem;
    }
    .accordion-bank .accordion-button {
        padding: 1.1rem 1.15rem;
        font-size: 0.95rem;
    }
    .accordion-bank .accordion-body {
        padding: 0 1.15rem 1.25rem 1.15rem;
        font-size: 0.92rem;
    }
    .faq-item {
        padding: 1.2rem 1.3rem;
    }
    .compare-row,
    .compare-row.compare-row--three,
    .compare-row.compare-row--four {
        grid-template-columns: 1fr;
    }
    .compare-row__label {
        border-right: none;
        border-bottom: 1px solid var(--border-soft);
        padding: 0.9rem 1.1rem;
    }
    .compare-row__value {
        border-right: none;
        border-bottom: 1px solid var(--border-soft);
        padding: 0.85rem 1.1rem;
    }
    .compare-row__value:last-child {
        border-bottom: none;
    }
    .compare-row.compare-row--four .compare-row__value:nth-child(4) {
        grid-column: auto;
        border-top: none;
    }
    .compare-table {
        display: block;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }
    .pricing-tier {
        padding: 1.6rem 1.35rem;
    }
    .pricing-tier__price {
        font-size: 2.35rem;
    }
    .btn-lg-bank {
        padding: 0.85rem 1.5rem;
        font-size: 1.02rem;
        border-radius: 0.95rem;
    }
    .btn-xl-bank {
        padding: 0.95rem 1.85rem;
        font-size: 1.08rem;
    }
    .avatar-circle--lg {
        width: 68px;
        height: 68px;
        font-size: 1.5rem;
    }
    .site-footer .footer-main {
        padding: 3.25rem 0 2rem 0;
    }
    .footer-main > .container > .row > [class*="col"] + [class*="col"] {
        margin-top: 2.25rem;
    }
    .footer-bottom__inner {
        flex-direction: column;
        align-items: flex-start;
        text-align: left;
    }
    .footer-bottom__links {
        justify-content: flex-start;
    }
    .footer-top__subscribe {
        flex-direction: column;
        min-width: 100%;
    }
    .footer-top__subscribe .btn {
        width: 100%;
    }
    .footer-top__heading {
        font-size: 1.3rem;
    }
}

@media (max-width: 575.98px) {
    .hero-bank {
        padding-top: 3.25rem;
        padding-bottom: 6rem;
    }
    .hero-heading {
        font-size: clamp(1.65rem, 9vw, 2.35rem);
        line-height: 1.1;
    }
    .hero-lede {
        font-size: 0.97rem;
    }
    .hero-ctas .btn,
    .hero-ctas > a,
    .hero-ctas > button {
        padding-top: 0.85rem;
        padding-bottom: 0.85rem;
    }
    .btn-hero-primary,
    .btn-hero-outline {
        padding: 0.85rem 1.5rem;
        font-size: 0.95rem;
    }
    .hero-visual-stack {
        min-height: auto;
        margin-top: 2rem;
    }
    .hero-glass-panel__balance {
        font-size: 1.85rem;
    }
    .hero-wave {
        height: 70px;
    }
    .section {
        padding-top: 2.75rem;
        padding-bottom: 2.75rem;
    }
    .section.section--sm {
        padding-top: 1.75rem;
        padding-bottom: 1.75rem;
    }
    .section.section--lg {
        padding-top: 3.25rem;
        padding-bottom: 3.25rem;
    }
    .section.section--xl {
        padding-top: 3.75rem;
        padding-bottom: 3.75rem;
    }
    .section-header {
        margin-bottom: 2.25rem;
    }
    .section-header h2,
    .section-header .h2 {
        font-size: 1.55rem;
    }
    .section-header .eyebrow {
        font-size: 0.72rem;
    }
    .section-header .section-header__subhead {
        font-size: 0.93rem;
    }
    .text-display {
        font-size: clamp(1.4rem, 7vw, 1.85rem);
    }
    .text-display.text-display--lg {
        font-size: clamp(1.65rem, 8vw, 2.2rem);
    }
    .text-display.text-display--sm {
        font-size: clamp(1.2rem, 6vw, 1.55rem);
    }
    .btn-primary-solid,
    .btn-outline-navy,
    .btn-gold,
    .btn-ghost {
        padding: 0.7rem 1.15rem;
        font-size: 0.92rem;
        border-radius: 0.8rem;
    }
    .btn-lg-bank {
        padding: 0.8rem 1.4rem;
        font-size: 0.98rem;
    }
    .btn-sm-bank {
        padding: 0.45rem 0.9rem;
        font-size: 0.82rem;
    }
    .card-bank {
        padding: 1.2rem;
        border-radius: 1.2rem;
    }
    .card-bank.card-bank--padded {
        padding: 1.5rem;
    }
    .card-bank__icon {
        width: 44px;
        height: 44px;
        font-size: 18px;
        border-radius: 0.95rem;
    }
    .product-card {
        border-radius: 1.2rem;
    }
    .product-card .product-card__head {
        padding: 1.35rem 1.15rem 1.15rem;
    }
    .product-card .card-body {
        padding: 1.15rem;
    }
    .product-card__icon {
        width: 46px;
        height: 46px;
        font-size: 20px;
        border-radius: 1rem;
    }
    .product-card__title {
        font-size: 1.15rem;
    }
    .card-navy {
        padding: 1.5rem;
        border-radius: 1.2rem;
    }
    .accordion-bank .accordion-item {
        border-radius: 1rem;
    }
    .accordion-bank .accordion-button {
        padding: 1rem 1rem;
        font-size: 0.92rem;
        border-radius: 1rem;
    }
    .accordion-bank .accordion-button::after {
        width: 1rem;
        height: 1rem;
    }
    .accordion-bank .accordion-body {
        padding: 0 1rem 1.15rem 1rem;
        font-size: 0.9rem;
    }
    .faq-item {
        padding: 1.05rem 1.1rem;
        border-radius: 1rem;
    }
    .pricing-tier {
        padding: 1.35rem 1.15rem;
        border-radius: 1.2rem;
    }
    .pricing-tier__price {
        font-size: 2.1rem;
    }
    .footer-badge {
        padding: 0.4rem 0.65rem;
        font-size: 0.74rem;
    }
    .social-icon {
        width: 38px;
        height: 38px;
        font-size: 0.92rem;
    }
    .footer-top {
        padding: 1.75rem 0;
    }
    .site-footer .footer-main {
        padding: 2.75rem 0 1.75rem 0;
    }
    .footer-main > .container > .row > [class*="col"] + [class*="col"] {
        margin-top: 2rem;
    }
}

@media (max-width: 389.98px) {
    .hero-heading {
        font-size: 1.5rem;
    }
    .hero-glass-card__number {
        font-size: 0.95rem;
        letter-spacing: 0.06em;
    }
    .hero-trust-pill {
        font-size: 0.72rem;
        padding: 0.35rem 0.65rem;
    }
    .footer-top__subscribe .form-control {
        padding: 0.7rem 0.9rem;
        font-size: 0.9rem;
    }
}

/* ============================================================
   SECTION 9: DECORATIONS
   Subtle patterns, grids, dots, and SVG section dividers
   ============================================================ */

.bg-dots {
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><circle cx='2' cy='2' r='1.2' fill='%230b3d91' fill-opacity='0.6'/><circle cx='14' cy='8' r='0.8' fill='%230b3d91' fill-opacity='0.45'/><circle cx='8' cy='16' r='0.8' fill='%230b3d91' fill-opacity='0.4'/><circle cx='20' cy='20' r='1.1' fill='%230b3d91' fill-opacity='0.55'/></svg>");
    background-repeat: repeat;
    background-size: 24px 24px;
    opacity: 0.08;
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
}

.bg-dots.bg-dots--gold {
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><circle cx='2' cy='2' r='1.2' fill='%23f7b500' fill-opacity='0.7'/><circle cx='14' cy='8' r='0.8' fill='%23f7b500' fill-opacity='0.5'/><circle cx='8' cy='16' r='0.8' fill='%23f7b500' fill-opacity='0.45'/><circle cx='20' cy='20' r='1.1' fill='%23f7b500' fill-opacity='0.65'/></svg>");
}

.bg-dots.bg-dots--white {
    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none'><circle cx='2' cy='2' r='1.2' fill='%23ffffff' fill-opacity='0.7'/><circle cx='14' cy='8' r='0.8' fill='%23ffffff' fill-opacity='0.5'/><circle cx='8' cy='16' r='0.8' fill='%23ffffff' fill-opacity='0.45'/><circle cx='20' cy='20' r='1.1' fill='%23ffffff' fill-opacity='0.6'/></svg>");
    opacity: 0.1;
}

.bg-dots.bg-dots--dense {
    background-size: 18px 18px;
    opacity: 0.1;
}

.bg-dots.bg-dots--sparse {
    background-size: 36px 36px;
    opacity: 0.07;
}

.bg-grid {
    background-image:
        linear-gradient(to right, rgba(11, 61, 145, 0.08) 1px, transparent 1px),
        linear-gradient(to bottom, rgba(11, 61, 145, 0.08) 1px, transparent 1px);
    background-size: 40px 40px;
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
}

.bg-grid.bg-grid--white {
    background-image:
        linear-gradient(to right, rgba(255, 255, 255, 0.1) 1px, transparent 1px),
        linear-gradient(to bottom, rgba(255, 255, 255, 0.1) 1px, transparent 1px);
}

.bg-grid.bg-grid--gold {
    background-image:
        linear-gradient(to right, rgba(247, 181, 0, 0.1) 1px, transparent 1px),
        linear-gradient(to bottom, rgba(247, 181, 0, 0.1) 1px, transparent 1px);
}

.bg-grid.bg-grid--sm {
    background-size: 24px 24px;
}

.bg-grid.bg-grid--lg {
    background-size: 60px 60px;
}

.bg-grid-mask-fade {
    -webkit-mask-image: radial-gradient(ellipse at center, black 40%, transparent 75%);
    mask-image: radial-gradient(ellipse at center, black 40%, transparent 75%);
}

.bg-grid-mask-fade--bottom {
    -webkit-mask-image: linear-gradient(to bottom, black 30%, transparent 100%);
    mask-image: linear-gradient(to bottom, black 30%, transparent 100%);
}

.bank-divider {
    position: relative;
    overflow: hidden;
    width: 100%;
    line-height: 0;
    pointer-events: none;
}

.bank-divider svg {
    display: block;
    width: 100%;
    height: auto;
}

.section-divider-wave {
    position: absolute;
    left: 0;
    width: 100%;
    pointer-events: none;
    line-height: 0;
    overflow: hidden;
    z-index: 2;
}

.section-divider-wave--top {
    top: -1px;
    transform: rotate(180deg);
}

.section-divider-wave--bottom {
    bottom: -1px;
}

.section-divider-wave svg {
    display: block;
    width: 100%;
    height: 70px;
}

@media (min-width: 992px) {
    .section-divider-wave svg {
        height: 100px;
    }
}

.section-divider-wave.section-divider-wave--sm svg {
    height: 48px;
}

@media (min-width: 992px) {
    .section-divider-wave.section-divider-wave--sm svg {
        height: 64px;
    }
}

.section-divider-wave.section-divider-wave--lg svg {
    height: 100px;
}

@media (min-width: 992px) {
    .section-divider-wave.section-divider-wave--lg svg {
        height: 140px;
    }
}

.section-divider-curve {
    position: absolute;
    left: 0;
    width: 100%;
    pointer-events: none;
    line-height: 0;
    overflow: hidden;
    z-index: 2;
}

.section-divider-curve--top {
    top: -1px;
    transform: rotate(180deg);
}

.section-divider-curve--bottom {
    bottom: -1px;
}

.section-divider-curve svg {
    display: block;
    width: 100%;
    height: 60px;
}

@media (min-width: 992px) {
    .section-divider-curve svg {
        height: 84px;
    }
}

.section-divider-slant {
    position: absolute;
    left: 0;
    width: 100%;
    pointer-events: none;
    overflow: hidden;
    z-index: 2;
}

.section-divider-slant--top {
    top: 0;
    height: 6vw;
    min-height: 48px;
    max-height: 110px;
}

.section-divider-slant--bottom {
    bottom: 0;
    height: 6vw;
    min-height: 48px;
    max-height: 110px;
}

.decor-blur {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    pointer-events: none;
    opacity: 0.35;
    z-index: 0;
}

.decor-blur.decor-blur--gold {
    background: var(--bs-gold-500);
    opacity: 0.25;
}

.decor-blur.decor-blur--navy {
    background: var(--bs-primary);
    opacity: 0.28;
}

.decor-blur.decor-blur--success {
    background: var(--accent-success);
    opacity: 0.22;
}

.decor-blur.decor-blur--sm {
    width: 200px;
    height: 200px;
    filter: blur(50px);
}

.decor-blur.decor-blur--md {
    width: 340px;
    height: 340px;
    filter: blur(70px);
}

.decor-blur.decor-blur--lg {
    width: 480px;
    height: 480px;
    filter: blur(100px);
}

.decor-ring {
    position: absolute;
    border-radius: 50%;
    border: 1.5px solid rgba(11, 61, 145, 0.12);
    pointer-events: none;
    z-index: 0;
}

.decor-ring.decor-ring--white {
    border-color: rgba(255, 255, 255, 0.12);
}

.decor-ring.decor-ring--gold {
    border-color: rgba(247, 181, 0, 0.18);
}

.decor-ring.decor-ring--sm {
    width: 100px;
    height: 100px;
}

.decor-ring.decor-ring--md {
    width: 180px;
    height: 180px;
}

.decor-ring.decor-ring--lg {
    width: 280px;
    height: 280px;
}

.decor-ring.decor-ring--xl {
    width: 400px;
    height: 400px;
}

.decor-plus {
    position: absolute;
    color: rgba(11, 61, 145, 0.14);
    font-weight: 300;
    line-height: 1;
    pointer-events: none;
    z-index: 0;
    user-select: none;
}

.decor-plus.decor-plus--white {
    color: rgba(255, 255, 255, 0.1);
}

.decor-plus.decor-plus--gold {
    color: rgba(247, 181, 0, 0.2);
}

.decor-plus.decor-plus--sm { font-size: 1.5rem; }
.decor-plus.decor-plus--md { font-size: 2.5rem; }
.decor-plus.decor-plus--lg { font-size: 4rem; }

.has-decor > * {
    position: relative;
    z-index: 1;
}

.z-back { position: relative; z-index: -1; }
.z-0 { position: relative; z-index: 0; }
.z-1 { position: relative; z-index: 1; }
.z-2 { position: relative; z-index: 2; }
.z-10 { position: relative; z-index: 10; }

.scrollbar-thin {
    scrollbar-width: thin;
    scrollbar-color: rgba(11, 61, 145, 0.3) transparent;
}

.scrollbar-thin::-webkit-scrollbar {
    width: 6px;
    height: 6px;
}

.scrollbar-thin::-webkit-scrollbar-track {
    background: transparent;
}

.scrollbar-thin::-webkit-scrollbar-thumb {
    background: rgba(11, 61, 145, 0.3);
    border-radius: 3px;
}

.scrollbar-thin::-webkit-scrollbar-thumb:hover {
    background: rgba(11, 61, 145, 0.5);
}

.glass-panel {
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.6);
    border-radius: 1.25rem;
}

.glass-panel.glass-panel--dark {
    background: rgba(7, 35, 75, 0.6);
    border-color: rgba(255, 255, 255, 0.12);
    color: #ffffff;
}

.glass-panel.glass-panel--navy {
    background: rgba(11, 61, 145, 0.12);
    border-color: rgba(11, 61, 145, 0.18);
}

.animate-fade-in-up {
    animation: fadeInUp 0.7s cubic-bezier(0.22, 1, 0.36, 1) both;
}

.animate-fade-in {
    animation: fadeIn 0.6s ease both;
}

.animate-float {
    animation: float 6s ease-in-out infinite;
}

.animate-pulse-soft {
    animation: pulseSoft 3.5s ease-in-out infinite;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(18px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

@keyframes pulseSoft {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.88; transform: scale(1.015); }
}

.sr-only-focusable:not(:focus) {
    position: absolute !important;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.selection-highlight::selection {
    background: rgba(247, 181, 0, 0.28);
    color: var(--bs-navy-900);
}

/* =================== ACCOUNT OPENING WIZARD =================== */

.wizard-hero {
    background: radial-gradient(ellipse at top left, rgba(11,61,145,0.10), transparent 55%),
                linear-gradient(180deg, rgba(247,209,84,0.05), rgba(7,35,75,0.02));
}

.wizard-hero .stepper {
    max-width: 100%;
    margin: 0 auto;
}

.stepper-progress {
    padding: 0 1rem;
}

.stepper-circle {
    width: 2.65rem;
    height: 2.65rem;
    border-radius: 50%;
    background: #fff;
    border: 2px solid #d5dae5;
    color: #6c758f;
    font-weight: 700;
    transition: all 220ms ease;
    box-shadow: 0 2px 10px rgba(7,35,75,0.06);
}

.stepper-circle--done {
    background: linear-gradient(135deg, #0b3d91, #07234b);
    border-color: #07234b;
    color: #fff;
}

.stepper-circle--active {
    background: linear-gradient(135deg, #f7d154, #e6b31a);
    border-color: #e6b31a;
    color: #07234b;
    box-shadow: 0 8px 24px rgba(247,209,84,0.35);
    transform: scale(1.06);
}

.stepper-circle--pending {
    background: #f8f9fc;
}

.stepper-item {
    position: relative;
}

.stepper-item .stepper-label {
    max-width: 9rem;
    display: block;
    line-height: 1.15;
}

.wizard-card {
    border-radius: 1.4rem;
    box-shadow: 0 10px 40px rgba(7, 35, 75, 0.08);
    border: 1px solid rgba(210, 220, 235, 0.6);
    background: #fff;
    overflow: hidden;
}

.wizard-card .card-header-wizard {
    background: linear-gradient(120deg, #07234b 0%, #0b3d91 100%);
    color: #fff;
    padding: 2.25rem 2.5rem 3rem;
    position: relative;
}

.wizard-card .card-header-wizard::after {
    content: "";
    position: absolute;
    bottom: -1px; left: 0; right: 0; height: 42px;
    background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 42' preserveAspectRatio='none'><path d='M0,24 C240,64 480,0 720,12 C960,24 1200,56 1440,28 L1440,42 L0,42 Z' fill='%23ffffff'/></svg>") no-repeat center bottom / 100% 100%;
}

.wizard-summary-card {
    border-radius: 1.3rem;
    padding: 1.6rem 1.4rem;
    background: linear-gradient(145deg, #07234b 0%, #0b3d91 100%);
    color: #fff;
    box-shadow: 0 16px 50px rgba(7, 35, 75, 0.28);
    border: 1px solid rgba(247, 209, 84, 0.15);
    position: relative;
    overflow: hidden;
}

.wizard-summary-card::before {
    content: "";
    position: absolute;
    inset: -1px;
    background: radial-gradient(circle at 85% 0%, rgba(247, 209, 84, 0.22), transparent 45%);
    pointer-events: none;
}

.wizard-summary-card a,
.wizard-summary-card .text-muted {
    color: rgba(255, 255, 255, 0.72) !important;
}

.wizard-summary-card .pill-ref {
    background: rgba(247, 209, 84, 0.15);
    color: #f7d154;
    border: 1px solid rgba(247, 209, 84, 0.25);
    border-radius: 999px;
    padding: 0.4rem 0.85rem;
    font-weight: 700;
    letter-spacing: 0.04em;
}

.wizard-summary-card .progress-mini-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.55rem 0;
    border-bottom: 1px dashed rgba(255, 255, 255, 0.12);
}

.wizard-summary-card .progress-mini-item:last-child { border-bottom: none; }

.wizard-summary-card .progress-mini-dot {
    width: 1.2rem; height: 1.2rem; border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    font-size: 0.65rem;
    font-weight: 800;
    background: rgba(255, 255, 255, 0.12);
    color: rgba(255, 255, 255, 0.6);
}

.wizard-summary-card .progress-mini-dot.is-done {
    background: #f7d154;
    color: #07234b;
}

.wizard-summary-card .progress-mini-dot.is-active {
    background: rgba(247, 209, 84, 0.95);
    color: #07234b;
    box-shadow: 0 0 0 4px rgba(247, 209, 84, 0.18);
}

.wizard-summary-card .progress-mini-label {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.78);
    font-weight: 500;
}

.wizard-summary-card .cta-card {
    margin-top: 1rem;
    padding: 1rem;
    border-radius: 1rem;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
}

.wizard-summary-card .cta-card .headline {
    color: #fff;
    font-weight: 700;
    font-size: 0.95rem;
    margin-bottom: 0.15rem;
}

.wizard-summary-card .cta-card .sub {
    font-size: 0.78rem;
    color: rgba(255,255,255,0.65);
    margin-bottom: 0.5rem;
}

.step-heading {
    display: flex;
    align-items: baseline;
    gap: 0.85rem;
    margin-bottom: 0.4rem;
}

.step-heading .badge-step {
    background: linear-gradient(135deg, #f7d154, #e6b31a);
    color: #07234b;
    font-weight: 800;
    font-size: 0.7rem;
    letter-spacing: 0.12em;
    padding: 0.45rem 0.85rem;
    border-radius: 999px;
    text-transform: uppercase;
}

.step-heading h3 {
    margin: 0;
    color: #07234b;
    font-weight: 800;
    letter-spacing: -0.01em;
    font-size: 1.6rem;
}

.step-desc {
    color: #6c758f;
    max-width: 42rem;
}

.form-label-wizard {
    font-weight: 600;
    color: #07234b;
    letter-spacing: 0.005em;
    margin-bottom: 0.4rem;
}

.input-wizard {
    padding: 0.75rem 1rem;
    border-radius: 0.85rem;
    border: 1.5px solid #d7dde9;
    background: #fff;
    transition: all 150ms ease;
}

.input-wizard:focus {
    border-color: #0b3d91;
    box-shadow: 0 0 0 0.25rem rgba(11, 61, 145, 0.12);
}

.radio-card-option {
    cursor: pointer;
    border-radius: 1.1rem;
    border: 2px solid #e3e9f4;
    padding: 1.35rem 1.25rem;
    transition: all 180ms ease;
    background: #fff;
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    text-align: left;
    position: relative;
}

.radio-card-option:hover {
    border-color: #0b3d91;
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(7, 35, 75, 0.08);
}

.radio-card-option .radio-check {
    width: 1.4rem; height: 1.4rem; border-radius: 50%;
    border: 2px solid #cbd3e4; flex-shrink: 0; margin-top: 0.15rem;
    display: inline-flex; align-items: center; justify-content: center;
}

.radio-card-option input[type="radio"]:checked ~ .radio-check,
.radio-card-option.has-checked .radio-check {
    background: linear-gradient(135deg, #0b3d91, #07234b);
    border-color: #07234b;
    box-shadow: 0 0 0 3px rgba(11, 61, 145, 0.12);
}

.radio-card-option .radio-check::after {
    content: "";
    width: 0.45rem; height: 0.45rem; background: #fff; border-radius: 50%;
    opacity: 0; transform: scale(0.6); transition: all 140ms ease;
}

.radio-card-option input[type="radio"]:checked ~ .radio-check::after,
.radio-card-option.has-checked .radio-check::after { opacity: 1; transform: scale(1); }

.radio-card-option .icon {
    width: 2.6rem; height: 2.6rem; border-radius: 0.9rem;
    background: linear-gradient(135deg, rgba(11, 61, 145, 0.08), rgba(247, 209, 84, 0.12));
    color: #0b3d91;
    display: inline-flex; align-items: center; justify-content: center;
    font-size: 1.15rem;
}

.radio-card-option h5 {
    margin: 0;
    font-weight: 700;
    color: #07234b;
    font-size: 1.05rem;
}

.radio-card-option p {
    margin: 0.45rem 0 0 0;
    color: #6c758f;
    font-size: 0.88rem;
}

.radio-card-option.has-checked {
    border-color: #0b3d91;
    box-shadow: 0 12px 28px rgba(7, 35, 75, 0.08);
    background: linear-gradient(180deg, rgba(247, 209, 84, 0.04), rgba(255,255,255,0) 50%);
}

.btn-wizard-nav {
    padding: 0.8rem 1.5rem;
    border-radius: 999px;
    font-weight: 700;
    letter-spacing: 0.01em;
}

.password-strength-meter {
    height: 6px;
    border-radius: 999px;
    background: #e3e9f4;
    overflow: hidden;
    margin-top: 0.5rem;
}
.password-strength-meter > span {
    display: block;
    height: 100%;
    width: 0%;
    background: linear-gradient(90deg, #dc2626, #f7d154 50%, #16a34a);
    transition: all 220ms ease;
}
.password-hint li { font-size: 0.82rem; color: #6c758f; }
.password-hint li.is-good { color: #16a34a; font-weight: 600; }
.password-hint li.is-bad { color: #dc2626; }

.app-success-hero {
    background: linear-gradient(160deg, rgba(11, 61, 145, 0.08), rgba(247, 209, 84, 0.08));
    padding: 4.5rem 0 3.5rem;
    position: relative;
    overflow: hidden;
}
.app-success-hero::before {
    content: "";
    position: absolute; inset: 0;
    background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='400' height='400' viewBox='0 0 400 400'><g fill='none' stroke='%230b3d91' stroke-opacity='0.06' stroke-width='1'><path d='M0,300 Q100,260 200,300 T400,300'/><path d='M0,330 Q100,290 200,330 T400,330'/></g></svg>") no-repeat bottom / 100% auto;
    pointer-events: none;
}
.check-circle-big {
    width: 6rem; height: 6rem;
    border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    background: linear-gradient(135deg, #16a34a, #15803d);
    color: #fff;
    font-size: 2.7rem;
    box-shadow: 0 20px 60px rgba(22, 163, 74, 0.30);
    animation: pulseSoft 3.2s ease-in-out infinite;
}
.status-timeline-row {
    display: grid;
    grid-template-columns: 2.5rem minmax(0, 1fr);
    gap: 1rem;
    padding: 0.85rem 0;
    position: relative;
}
.status-timeline-row:not(:last-child)::after {
    content: "";
    position: absolute;
    left: 1.2rem;
    top: 2.4rem;
    bottom: -0.5rem;
    width: 2px;
    background: linear-gradient(180deg, rgba(11, 61, 145, 0.2), rgba(11, 61, 145, 0.02));
}
.status-timeline-dot {
    width: 2.5rem; height: 2.5rem;
    border-radius: 50%;
    display: inline-flex; align-items: center; justify-content: center;
    background: #f3f5fb;
    border: 2px solid #e3e9f4;
    color: #8f95a5;
}
.status-timeline-row.is-done .status-timeline-dot {
    background: linear-gradient(135deg, #0b3d91, #07234b);
    color: #fff;
    border-color: #07234b;
}
.status-timeline-row.is-current .status-timeline-dot {
    background: linear-gradient(135deg, #f7d154, #e6b31a);
    color: #07234b;
    border-color: #e6b31a;
    box-shadow: 0 0 0 6px rgba(247, 209, 84, 0.14);
}
.status-timeline-row h5 {
    font-size: 1.05rem;
    font-weight: 700;
    color: #07234b;
    margin: 0;
}
.status-timeline-row p {
    margin: 0.25rem 0 0;
    color: #6c758f;
    font-size: 0.9rem;
}

.bg-gold {
    background-color: #f7d154 !important;
}

@media (max-width: 991.98px) {
    .wizard-card .card-header-wizard { padding: 1.6rem 1.35rem 2.6rem; }
    .stepper-item .stepper-label { font-size: 0.7rem; }
    .stepper-circle { width: 2.2rem; height: 2.2rem; font-size: 0.75rem; }
}

@media (max-width: 575.98px) {
    .stepper-list.row-cols-md-6 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .wizard-summary-card { margin-top: 1.5rem; }
}