/* ===== RESET & BASE ===== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --navy: #0A2647;
  --navy-light: #144272;
  --navy-dark: #061a30;
  --gold: #D4AF37;
  --gold-light: #e8c84a;
  --white: #ffffff;
  --gray-50: #f5f7fa;
  --gray-100: #eef0f4;
  --gray-200: #dde1ea;
  --gray-400: #9ca3af;
  --gray-600: #4b5563;
  --gray-800: #1f2937;
  --green: #10b981;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(10,38,71,0.10);
  --shadow-lg: 0 12px 48px rgba(10,38,71,0.18);
  --transition: 0.3s ease;
}

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

body {
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
input, select, textarea, button { font-family: inherit; font-size: inherit; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ===== TYPOGRAPHY ===== */
h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.4rem, 5vw, 3.8rem); line-height: 1.1; font-weight: 800; }
h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.8rem, 3.5vw, 2.8rem); line-height: 1.2; font-weight: 700; }
h3 { font-size: 1.15rem; font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }

.gold { color: var(--gold); }

/* ===== BUTTONS ===== */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy); color: var(--white);
  padding: 12px 28px; border-radius: 8px;
  font-weight: 600; font-size: 0.9rem;
  border: 2px solid var(--navy);
  transition: var(--transition); cursor: pointer;
}
.btn-primary:hover { background: var(--navy-light); border-color: var(--navy-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(10,38,71,0.25); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  padding: 12px 28px; border-radius: 8px;
  font-weight: 600; font-size: 0.9rem;
  border: 2px solid rgba(255,255,255,0.4);
  transition: var(--transition); cursor: pointer;
}
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: rgba(255,255,255,0.7); }

.btn-gold {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold); color: var(--navy-dark);
  padding: 14px 32px; border-radius: 8px;
  font-weight: 700; font-size: 0.95rem;
  border: 2px solid var(--gold);
  transition: var(--transition); cursor: pointer;
}
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(212,175,55,0.4); }

.btn-white-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  padding: 14px 32px; border-radius: 8px;
  font-weight: 600; font-size: 0.95rem;
  border: 2px solid rgba(255,255,255,0.5);
  transition: var(--transition); cursor: pointer;
}
.btn-white-outline:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }

.btn-large { padding: 16px 36px; font-size: 1rem; }
.btn-full { width: 100%; justify-content: center; }

/* ===== SECTION HEADER ===== */
.section-header { text-align: center; margin-bottom: 60px; }
.section-header p { color: var(--gray-600); max-width: 560px; margin: 12px auto 0; font-size: 1.05rem; }

.section-tag {
  display: inline-flex; align-items: center;
  background: rgba(212,175,55,0.12); color: var(--gold);
  padding: 6px 16px; border-radius: 100px;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.08em;
  text-transform: uppercase; margin-bottom: 14px;
  border: 1px solid rgba(212,175,55,0.3);
}

/* ===== TOPBAR ===== */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.8);
  font-size: 0.82rem;
  padding: 10px 0;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.topbar-left { display: flex; gap: 20px; }
.topbar-left span { display: flex; align-items: center; gap: 6px; }
.topbar-left svg { width: 14px; height: 14px; opacity: 0.7; }
.topbar-right { display: flex; align-items: center; gap: 16px; }
.topbar-right a { color: rgba(255,255,255,0.8); transition: var(--transition); }
.topbar-right a:hover { color: var(--gold); }
.btn-topbar {
  background: var(--gold); color: var(--navy-dark);
  padding: 5px 14px; border-radius: 6px;
  font-weight: 700; font-size: 0.8rem;
  transition: var(--transition);
}
.btn-topbar:hover { background: var(--gold-light); color: var(--navy-dark); }

/* ===== NAVBAR ===== */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: var(--white);
  box-shadow: 0 2px 20px rgba(10,38,71,0.08);
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: 0 4px 32px rgba(10,38,71,0.14); }
.navbar .container { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 32px; }

.logo { display: flex; align-items: center; gap: 10px; font-size: 1.2rem; font-weight: 700; color: var(--navy); }
.logo-icon {
  width: 38px; height: 38px; border-radius: 10px;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 1.2rem; font-weight: 800;
}
.logo strong { color: var(--gold); }
.logo-white { color: var(--white); }
.logo-white .logo-icon { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links > a, .nav-dropdown > a {
  padding: 8px 14px; border-radius: 8px;
  color: var(--gray-700, #374151); font-weight: 500; font-size: 0.9rem;
  transition: var(--transition); position: relative;
  display: flex; align-items: center; gap: 4px;
}
.nav-links > a:hover, .nav-dropdown > a:hover { color: var(--navy); background: var(--gray-50); }

.nav-dropdown { position: relative; }
.arrow { font-size: 0.75rem; transition: var(--transition); }
.nav-dropdown:hover .arrow { transform: rotate(180deg); }
.dropdown-menu {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--white); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); border: 1px solid var(--gray-100);
  min-width: 200px; padding: 8px;
  opacity: 0; pointer-events: none; transform: translateY(-8px);
  transition: var(--transition);
}
.nav-dropdown:hover .dropdown-menu { opacity: 1; pointer-events: all; transform: translateY(0); }
.dropdown-menu a {
  display: block; padding: 9px 14px; border-radius: 8px;
  color: var(--gray-600); font-size: 0.88rem;
  transition: var(--transition);
}
.dropdown-menu a:hover { background: var(--gray-50); color: var(--navy); padding-left: 18px; }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.menu-toggle {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 4px;
}
.menu-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--navy); border-radius: 2px; transition: var(--transition);
}

/* ===== HERO ===== */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  min-height: 88vh; display: flex; align-items: center;
  position: relative; overflow: hidden; padding: 80px 0 40px;
}
.hero-bg { position: absolute; inset: 0; overflow: hidden; }
.hero-circle {
  position: absolute; border-radius: 50%;
  background: rgba(212,175,55,0.06);
  border: 1px solid rgba(212,175,55,0.1);
}
.hero-circle.c1 { width: 600px; height: 600px; top: -200px; right: -100px; animation: float 8s ease-in-out infinite; }
.hero-circle.c2 { width: 400px; height: 400px; bottom: -150px; left: -100px; animation: float 10s ease-in-out infinite reverse; }
.hero-circle.c3 { width: 200px; height: 200px; top: 20%; left: 30%; animation: float 6s ease-in-out infinite; }

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-20px); }
}

.hero-content { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; width: 100%; position: relative; z-index: 1; }

.hero-text { color: var(--white); }
.hero-badge {
  display: inline-flex; align-items: center; gap: 6px;
  background: rgba(212,175,55,0.15); color: var(--gold);
  border: 1px solid rgba(212,175,55,0.3);
  padding: 6px 16px; border-radius: 100px;
  font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; margin-bottom: 20px;
}
.hero-text h1 { margin-bottom: 20px; }
.hero-text p { color: rgba(255,255,255,0.75); font-size: 1.08rem; max-width: 460px; margin-bottom: 36px; }

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }

.hero-trust { display: flex; gap: 24px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.7); font-size: 0.84rem; font-weight: 500; }
.trust-item svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; }

/* ===== BANK CARD ===== */
.hero-card-wrapper { position: relative; display: flex; justify-content: center; align-items: center; }
.bank-card {
  width: 340px; background: linear-gradient(135deg, #1a3a5c, #0d2137);
  border-radius: 20px; padding: 28px; color: var(--white);
  box-shadow: 0 24px 64px rgba(0,0,0,0.4), 0 0 0 1px rgba(255,255,255,0.08);
  position: relative; z-index: 2;
  animation: cardFloat 6s ease-in-out infinite;
}
@keyframes cardFloat {
  0%, 100% { transform: perspective(1000px) rotateY(-5deg) translateY(0); }
  50% { transform: perspective(1000px) rotateY(-8deg) translateY(-12px); }
}
.card-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 32px; }
.card-bank { font-family: 'Playfair Display', serif; font-weight: 700; font-size: 1rem; letter-spacing: 0.08em; color: var(--gold); }
.card-chip { width: 40px; height: 30px; }
.card-number { font-size: 1.1rem; letter-spacing: 0.2em; font-weight: 500; margin-bottom: 24px; color: rgba(255,255,255,0.9); }
.card-bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.card-label { font-size: 0.68rem; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.4); margin-bottom: 4px; }
.card-value { font-size: 0.92rem; font-weight: 600; }
.card-logo { font-size: 1.5rem; font-weight: 800; font-style: italic; color: var(--gold); }

.hero-stat-card {
  position: absolute; background: var(--white);
  border-radius: var(--radius); padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
  box-shadow: var(--shadow-lg);
  z-index: 3; animation: cardFloat 6s ease-in-out infinite;
}
.hero-stat-card.s1 { top: -20px; right: -30px; animation-delay: -2s; }
.hero-stat-card.s2 { bottom: -10px; left: -30px; animation-delay: -4s; }
.stat-icon {
  width: 40px; height: 40px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; font-weight: 700;
}
.stat-icon.green { background: rgba(16,185,129,0.12); color: var(--green); }
.stat-icon.gold { background: rgba(212,175,55,0.12); color: var(--gold); }
.stat-num { font-weight: 800; font-size: 1rem; color: var(--navy); }
.stat-label { font-size: 0.75rem; color: var(--gray-400); }

.hero-wave { position: absolute; bottom: 0; left: 0; right: 0; }
.hero-wave svg { display: block; }

/* ===== STATS ===== */
.stats-section { background: var(--gray-50); padding: 60px 0; border-bottom: 1px solid var(--gray-100); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.stat-box {
  text-align: center; padding: 32px 24px;
  border-right: 1px solid var(--gray-200);
  position: relative;
}
.stat-box:last-child { border-right: none; }
.stat-box::before {
  content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 1px; height: 60%; background: var(--gray-200);
}
.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2.8rem; font-weight: 800; color: var(--navy);
  display: inline-block; line-height: 1;
}
.stat-suffix { display: inline-block; font-size: 1.4rem; font-weight: 700; color: var(--gold); margin-left: 2px; vertical-align: super; line-height: 1; }
.stat-desc { color: var(--gray-600); font-size: 0.88rem; margin-top: 6px; font-weight: 500; }

/* ===== SERVICES ===== */
.services-section { padding: 100px 0; background: var(--white); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.service-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 36px 28px; border: 1.5px solid var(--gray-100);
  transition: var(--transition); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  transform: scaleX(0); transform-origin: left; transition: var(--transition);
}
.service-card:hover { border-color: transparent; box-shadow: var(--shadow-lg); transform: translateY(-6px); }
.service-card:hover::before { transform: scaleX(1); }

.service-card.featured {
  background: var(--navy); border-color: var(--navy);
}
.service-card.featured h3 { color: var(--white); }
.service-card.featured p { color: rgba(255,255,255,0.7); }
.service-card.featured .service-link { color: var(--gold); }
.service-card.featured::before { background: var(--gold); }

.featured-badge {
  position: absolute; top: 20px; right: 20px;
  background: var(--gold); color: var(--navy-dark);
  font-size: 0.7rem; font-weight: 800; padding: 3px 10px;
  border-radius: 100px; text-transform: uppercase; letter-spacing: 0.06em;
}

.service-icon {
  width: 56px; height: 56px; border-radius: var(--radius);
  background: rgba(10, 38, 71, 0.07);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; color: var(--c);
}
.service-icon svg { width: 26px; height: 26px; }
.service-card h3 { margin-bottom: 10px; color: var(--navy); }
.service-card p { color: var(--gray-600); font-size: 0.9rem; margin-bottom: 20px; line-height: 1.65; }
.service-link { color: var(--navy); font-weight: 600; font-size: 0.88rem; transition: var(--transition); }
.service-link:hover { color: var(--gold); letter-spacing: 0.02em; }

/* ===== ABOUT ===== */
.about-section { padding: 100px 0; background: var(--gray-50); }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }

.about-visual { position: relative; }
.about-img-main {
  border-radius: var(--radius-lg); overflow: hidden;
  height: 480px; background: var(--navy);
  display: flex; align-items: center; justify-content: center;
}
.about-img-placeholder { width: 80%; }
.about-img-placeholder svg { width: 100%; height: auto; }

.about-badge-float {
  position: absolute; top: 30px; right: -24px;
  background: var(--white); border-radius: var(--radius);
  padding: 16px 20px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
}
.badge-icon { font-size: 1.5rem; color: var(--gold); }
.badge-num { font-weight: 800; font-size: 1.1rem; color: var(--navy); }
.badge-text { font-size: 0.78rem; color: var(--gray-400); }

.about-card-float {
  position: absolute; bottom: 30px; right: -24px;
  background: var(--white); border-radius: var(--radius);
  padding: 16px 20px; box-shadow: var(--shadow-lg); min-width: 220px;
}
.float-row { display: flex; align-items: center; gap: 8px; margin-bottom: 8px; font-size: 0.82rem; font-weight: 500; color: var(--gray-600); }
.dot { width: 8px; height: 8px; border-radius: 50%; flex-shrink: 0; }
.dot.green { background: var(--green); }
.float-bar { height: 6px; background: var(--gray-100); border-radius: 3px; margin-bottom: 6px; }
.fill-bar { height: 100%; background: linear-gradient(90deg, var(--green), #34d399); border-radius: 3px; }
.float-pct { font-size: 0.8rem; font-weight: 700; color: var(--green); }

.about-text .section-tag { display: inline-flex; margin-bottom: 14px; }
.about-text h2 { margin-bottom: 16px; }
.about-text > p { color: var(--gray-600); margin-bottom: 14px; font-size: 0.97rem; }

.about-features { margin: 28px 0; display: flex; flex-direction: column; gap: 18px; }
.about-feat { display: flex; gap: 14px; }
.feat-check {
  width: 24px; height: 24px; border-radius: 50%;
  background: rgba(212,175,55,0.15); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem; font-weight: 700; flex-shrink: 0; margin-top: 2px;
}
.about-feat strong { display: block; font-size: 0.95rem; color: var(--navy); margin-bottom: 3px; }
.about-feat span { font-size: 0.85rem; color: var(--gray-600); }

/* ===== FEATURES ===== */
.features-section { padding: 100px 0; background: var(--navy); }
.features-section .section-tag { background: rgba(212,175,55,0.15); border-color: rgba(212,175,55,0.3); }
.features-section .section-header h2 { color: var(--white); }
.features-section .section-header p { color: rgba(255,255,255,0.6); }

.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; background: rgba(255,255,255,0.06); border-radius: var(--radius-lg); overflow: hidden; }

.feature-item {
  padding: 44px 36px; background: rgba(255,255,255,0.03);
  transition: var(--transition); position: relative; overflow: hidden;
}
.feature-item::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(212,175,55,0.04);
  opacity: 0; transition: var(--transition);
}
.feature-item:hover { background: rgba(255,255,255,0.06); }
.feature-item:hover::after { opacity: 1; }

.feature-num {
  font-family: 'Playfair Display', serif;
  font-size: 3rem; font-weight: 800; color: rgba(212,175,55,0.15);
  line-height: 1; margin-bottom: 14px;
}
.feature-item h3 { color: var(--white); margin-bottom: 12px; font-size: 1.05rem; }
.feature-item p { color: rgba(255,255,255,0.55); font-size: 0.88rem; line-height: 1.7; }

/* ===== TESTIMONIALS ===== */
.testimonials-section { padding: 100px 0; background: var(--gray-50); }
.testimonials-slider { position: relative; overflow: hidden; }
.testimonials-track { display: flex; gap: 24px; transition: transform 0.5s cubic-bezier(0.25, 0.46, 0.45, 0.94); }

.testimonial-card {
  flex: 0 0 calc(33.333% - 16px); background: var(--white);
  border-radius: var(--radius-lg); padding: 36px;
  border: 1.5px solid var(--gray-100);
  box-shadow: var(--shadow);
}
.stars { color: var(--gold); font-size: 1.1rem; letter-spacing: 2px; margin-bottom: 16px; }
.testimonial-card p { color: var(--gray-600); font-size: 0.93rem; line-height: 1.75; margin-bottom: 24px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.78rem; font-weight: 700; flex-shrink: 0;
}
.testimonial-author strong { display: block; font-size: 0.92rem; color: var(--navy); }
.testimonial-author span { font-size: 0.8rem; color: var(--gray-400); }

.slider-controls { display: flex; justify-content: center; align-items: center; gap: 16px; margin-top: 36px; }
.slider-btn {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--white); border: 1.5px solid var(--gray-200);
  cursor: pointer; font-size: 1.4rem; color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.slider-btn:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.slider-dots { display: flex; gap: 8px; }
.slider-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gray-200); cursor: pointer; transition: var(--transition); border: none; }
.slider-dot.active { background: var(--navy); width: 24px; border-radius: 4px; }

/* ===== CTA SECTION ===== */
.cta-section {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy-light));
  padding: 100px 0; text-align: center; position: relative; overflow: hidden;
}
.cta-bg { position: absolute; inset: 0; }
.cta-circle { position: absolute; border-radius: 50%; }
.cta-circle.cc1 { width: 500px; height: 500px; top: -200px; right: -100px; background: rgba(212,175,55,0.06); }
.cta-circle.cc2 { width: 300px; height: 300px; bottom: -100px; left: -50px; background: rgba(212,175,55,0.05); }
.cta-content { position: relative; z-index: 1; }
.cta-content h2 { color: var(--white); max-width: 700px; margin: 0 auto 16px; }
.cta-content p { color: rgba(255,255,255,0.7); max-width: 560px; margin: 0 auto 40px; font-size: 1.05rem; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ===== CONTACT ===== */
.contact-section { padding: 100px 0; background: var(--white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 80px; align-items: start; }

.contact-info .section-tag { display: inline-flex; margin-bottom: 14px; }
.contact-info h2 { margin-bottom: 16px; }
.contact-info > p { color: var(--gray-600); margin-bottom: 36px; }

.contact-items { display: flex; flex-direction: column; gap: 20px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon {
  width: 44px; height: 44px; border-radius: var(--radius);
  background: rgba(10,38,71,0.06); display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-icon svg { width: 20px; height: 20px; color: var(--navy); }
.contact-item strong { display: block; font-size: 0.9rem; color: var(--navy); margin-bottom: 3px; }
.contact-item span { font-size: 0.88rem; color: var(--gray-600); }

.contact-form-wrapper { background: var(--gray-50); border-radius: var(--radius-lg); padding: 40px; }
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group label { display: block; font-size: 0.83rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 11px 14px; border-radius: 8px;
  border: 1.5px solid var(--gray-200); background: var(--white);
  color: var(--gray-800); font-size: 0.9rem; transition: var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--navy); box-shadow: 0 0 0 3px rgba(10,38,71,0.08);
}
.form-group textarea { resize: vertical; }

/* ===== FOOTER ===== */
.footer { background: var(--navy-dark); color: rgba(255,255,255,0.75); }
.footer-top { padding: 72px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1.4fr; gap: 48px; }

.footer-brand .logo { margin-bottom: 16px; }
.footer-brand > p { font-size: 0.88rem; line-height: 1.7; color: rgba(255,255,255,0.55); margin-bottom: 24px; }
.social-links { display: flex; gap: 10px; }
.social-links a {
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7); font-size: 0.9rem; font-weight: 700;
  transition: var(--transition);
}
.social-links a:hover { background: var(--gold); color: var(--navy-dark); border-color: var(--gold); }

.footer-col h4 { color: var(--white); margin-bottom: 20px; font-size: 0.95rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 0.87rem; color: rgba(255,255,255,0.5); transition: var(--transition); }
.footer-col ul li a:hover { color: var(--gold); padding-left: 4px; }

.footer-col > p { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-bottom: 16px; line-height: 1.6; }
.newsletter-form { display: flex; gap: 0; margin-bottom: 20px; }
.newsletter-form input {
  flex: 1; padding: 10px 14px; border-radius: 8px 0 0 8px;
  border: 1.5px solid rgba(255,255,255,0.15); border-right: none;
  background: rgba(255,255,255,0.07); color: var(--white); font-size: 0.88rem; outline: none;
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }
.newsletter-form input:focus { border-color: var(--gold); }
.newsletter-form button {
  padding: 10px 16px; border-radius: 0 8px 8px 0;
  background: var(--gold); color: var(--navy-dark);
  border: none; cursor: pointer; font-weight: 700; font-size: 1rem;
  transition: var(--transition);
}
.newsletter-form button:hover { background: var(--gold-light); }
.footer-badges { display: flex; gap: 8px; flex-wrap: wrap; }
.footer-badge {
  padding: 4px 10px; border-radius: 6px;
  border: 1px solid rgba(255,255,255,0.15);
  font-size: 0.7rem; font-weight: 600;
  color: rgba(255,255,255,0.5);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
}
.footer-bottom .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; }
.footer-bottom span { font-size: 0.83rem; color: rgba(255,255,255,0.35); }
.footer-links { display: flex; gap: 24px; }
.footer-links a { font-size: 0.83rem; color: rgba(255,255,255,0.35); transition: var(--transition); }
.footer-links a:hover { color: var(--gold); }

/* ===== BACK TO TOP ===== */
.back-to-top {
  position: fixed; bottom: 32px; right: 32px; z-index: 999;
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; font-weight: 700; box-shadow: var(--shadow-lg);
  opacity: 0; transform: translateY(16px);
  transition: var(--transition); pointer-events: none;
}
.back-to-top.visible { opacity: 1; transform: translateY(0); pointer-events: all; }
.back-to-top:hover { background: var(--gold); color: var(--navy-dark); transform: translateY(-3px); }

/* ===== AOS ANIMATIONS ===== */
[data-aos] { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
[data-aos].aos-animate { opacity: 1; transform: translateY(0); }
[data-delay="100"] { transition-delay: 0.1s; }
[data-delay="200"] { transition-delay: 0.2s; }
[data-delay="300"] { transition-delay: 0.3s; }
[data-delay="400"] { transition-delay: 0.4s; }
[data-delay="500"] { transition-delay: 0.5s; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 48px; }
  .hero-card-wrapper { justify-content: flex-start; padding-bottom: 40px; }
  .bank-card { width: 300px; }
  .about-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-visual { order: 2; }
  .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-box:nth-child(2) { border-right: none; }
  .stat-box:nth-child(3) { border-right: 1px solid var(--gray-200); }
  .stat-box:nth-child(3), .stat-box:nth-child(4) { border-top: 1px solid var(--gray-200); }
}

@media (max-width: 768px) {
  .topbar .topbar-left { display: none; }
  .nav-links { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); box-shadow: var(--shadow-lg); padding: 16px; gap: 4px; }
  .nav-links.open { display: flex; }
  .nav-dropdown:hover .dropdown-menu { position: static; box-shadow: none; opacity: 1; pointer-events: all; transform: none; border: none; background: var(--gray-50); }
  .navbar .container { position: relative; }
  .menu-toggle { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .testimonials-track { flex-direction: column; }
  .testimonial-card { flex: none; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-stat-card.s1 { top: auto; bottom: 100px; right: 0; }
  .hero-stat-card.s2 { bottom: 30px; left: 0; }
  .about-badge-float, .about-card-float { position: static; margin-top: 16px; }
  .cta-actions { flex-direction: column; align-items: center; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  h2 { font-size: 1.8rem; }
}

@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .hero-actions a { text-align: center; justify-content: center; }
  .bank-card { width: 100%; max-width: 320px; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat-box { padding: 24px 16px; }
  .section-header { margin-bottom: 40px; }
}

/* ============================================================
   TOPBAR V2
   ============================================================ */
.topbar-v2 {
  background: #0d0d0d;
  color: rgba(255,255,255,0.65);
  font-size: 0.8rem;
  padding: 10px 0;
  position: sticky;
  top: 0;
  z-index: 1001;
}
.tv2-container {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
}
.tv2-left { display: flex; align-items: center; }
.tv2-left a {
  color: rgba(255,255,255,0.55); font-size: 0.78rem; font-weight: 500;
  padding: 0 16px; border-right: 1px solid rgba(255,255,255,0.1); transition: color 0.2s;
}
.tv2-left a:first-child { padding-left: 0; }
.tv2-left a:last-child { border-right: none; }
.tv2-left a:hover { color: var(--gold); }
.tv2-right { display: flex; align-items: center; gap: 20px; }
.tv2-contact { display: flex; align-items: center; gap: 6px; color: rgba(255,255,255,0.55); }
.tv2-contact svg { width: 13px; height: 13px; color: var(--gold); flex-shrink: 0; }
.tv2-branch {
  display: flex; align-items: center; gap: 6px;
  color: rgba(255,255,255,0.55); font-weight: 600;
  padding-left: 20px; border-left: 1px solid rgba(255,255,255,0.12);
  transition: color 0.2s;
}
.tv2-branch svg { width: 13px; height: 13px; color: var(--gold); flex-shrink: 0; }
.tv2-branch:hover { color: var(--gold); }

/* ============================================================
   NAVBAR V2
   ============================================================ */
.navbar-v2 {
  position: sticky; top: 39px; z-index: 1000;
  background: var(--white);
  box-shadow: 0 2px 20px rgba(10,38,71,0.08);
  transition: box-shadow 0.3s ease;
}
.navbar-v2.scrolled { box-shadow: 0 4px 32px rgba(10,38,71,0.16); }

.navbar-v2-inner {
  display: flex; align-items: stretch; height: 76px;
  max-width: 1440px; margin: 0 auto;
}

/* Logo panel with diagonal clip */
.nv2-logo-wrap {
  display: flex; align-items: center;
  background: var(--navy);
  padding: 0 52px 0 36px;
  flex-shrink: 0;
  clip-path: polygon(0 0, 100% 0, 90% 100%, 0 100%);
  position: relative; z-index: 2;
}
.nv2-logo { display: flex; align-items: center; gap: 11px; }
.nv2-logo-icon {
  width: 46px; height: 46px; border-radius: 10px;
  background: var(--white); border: 1.5px solid rgba(212,175,55,0.35);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
  overflow: hidden;
}
.nv2-logo-icon svg { width: 21px; height: 21px; color: var(--gold); }
.nv2-logo-img {
  width: 100%; height: 100%;
  object-fit: contain;
  display: block;
}
.nv2-logo-text { font-size: 1.05rem; color: var(--white); font-weight: 700; line-height: 1.15; }
.nv2-logo-text span { display: block; font-size: 0.7rem; letter-spacing: 0.12em; font-weight: 500; color: rgba(255,255,255,0.6); }
.nv2-logo-text strong { color: var(--gold); font-size: 1.15rem; font-weight: 800; }

/* Nav links */
.nv2-nav {
  display: flex; align-items: center;
  padding: 0 0 0 32px; gap: 2px; flex: 1;
}
.nv2-link {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 8px 13px; border-radius: 7px;
  font-size: 0.875rem; font-weight: 600;
  color: var(--gray-700, #374151); white-space: nowrap;
  transition: all 0.2s ease; position: relative;
}
.nv2-link:hover, .nv2-link.active { color: var(--navy); background: rgba(10,38,71,0.06); }
.nv2-link.active::after {
  content: ''; position: absolute; bottom: 0; left: 13px; right: 13px;
  height: 2px; background: var(--gold); border-radius: 1px;
}
.nv2-arrow { font-size: 0.65rem; transition: transform 0.2s; }
.nv2-dropdown { position: relative; }
.nv2-dropdown:hover .nv2-arrow { transform: rotate(180deg); }
/* Invisible bridge fills the gap so menu stays open on cursor travel */
.nv2-dropdown::after {
  content: ''; position: absolute; top: 100%; left: -10px; right: -10px;
  height: 14px; background: transparent; z-index: 290;
}

.nv2-drop-menu {
  position: absolute; top: calc(100% + 10px); left: 0;
  background: var(--white); border-radius: 14px;
  box-shadow: 0 16px 52px rgba(10,38,71,0.18);
  border: 1px solid var(--gray-100);
  min-width: 215px; padding: 8px;
  opacity: 0; pointer-events: none;
  transform: translateY(-10px);
  transition: all 0.25s cubic-bezier(0.4,0,0.2,1);
  z-index: 300;
}
.nv2-dropdown:hover .nv2-drop-menu {
  opacity: 1; pointer-events: all; transform: translateY(0);
}
.nv2-drop-menu a {
  display: flex; align-items: center; gap: 10px;
  padding: 9px 13px; border-radius: 8px;
  font-size: 0.855rem; color: var(--gray-600); font-weight: 500;
  transition: all 0.18s;
}
.nv2-drop-menu a:hover { background: var(--gray-50); color: var(--navy); padding-left: 18px; }
.dmi { font-size: 0.9rem; width: 18px; text-align: center; flex-shrink: 0; }

/* CTA area */
.nv2-cta { display: flex; align-items: center; gap: 10px; padding: 0 24px; flex-shrink: 0; }
.nv2-btn-login {
  padding: 9px 20px; border-radius: 8px;
  border: 2px solid var(--navy); color: var(--navy);
  font-size: 0.855rem; font-weight: 700; white-space: nowrap;
  transition: all 0.22s;
}
.nv2-btn-login:hover { background: var(--navy); color: var(--white); }
.nv2-btn-account {
  padding: 9px 20px; border-radius: 8px;
  background: var(--navy); color: var(--white);
  font-size: 0.855rem; font-weight: 700;
  border: 2px solid var(--navy); white-space: nowrap;
  transition: all 0.22s;
}
.nv2-btn-account:hover {
  background: var(--gold); border-color: var(--gold); color: var(--navy-dark);
  box-shadow: 0 6px 20px rgba(212,175,55,0.35);
}
.nv2-toggle {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 5px;
}
.nv2-toggle span { display: block; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: all 0.25s; }

/* ============================================================
   HERO CAROUSEL
   ============================================================ */
.hero-carousel {
  position: relative; overflow: hidden;
  height: 88vh; min-height: 580px;
}
.hc-track { position: absolute; inset: 0; }

.hc-slide {
  position: absolute; inset: 0;
  background-size: cover; background-position: center center;
  background-repeat: no-repeat;
  display: flex; align-items: center;
  opacity: 0; transition: opacity 0.9s ease;
}
.hc-slide.active { opacity: 1; z-index: 2; }

.hc-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    108deg,
    rgba(6,26,48,0.90) 0%,
    rgba(10,38,71,0.72) 50%,
    rgba(10,38,71,0.22) 100%
  );
}

/* Slide content — animates in on active */
.hc-content {
  position: relative; z-index: 3;
  padding: 0 80px; max-width: 680px;
  opacity: 0; transform: translateX(-28px);
  transition: opacity 0.75s ease 0.35s, transform 0.75s ease 0.35s;
}
.hc-slide.active .hc-content { opacity: 1; transform: translateX(0); }

.hc-tag {
  display: inline-flex; align-items: center;
  background: rgba(212,175,55,0.16); color: var(--gold);
  border: 1px solid rgba(212,175,55,0.35);
  padding: 6px 16px; border-radius: 100px;
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; margin-bottom: 20px;
}
.hc-content h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.1rem, 4.2vw, 3.5rem);
  line-height: 1.12; color: var(--white); font-weight: 800; margin-bottom: 18px;
}
.hc-gold { color: var(--gold); }
.hc-content p {
  color: rgba(255,255,255,0.72); font-size: 1.04rem; line-height: 1.72;
  max-width: 500px; margin-bottom: 32px;
}
.hc-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 34px; }
.hc-btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold); color: var(--navy-dark);
  padding: 14px 32px; border-radius: 8px;
  font-weight: 700; font-size: 0.93rem; border: 2px solid var(--gold);
  transition: all 0.25s ease;
}
.hc-btn-primary:hover {
  background: var(--gold-light); border-color: var(--gold-light);
  transform: translateY(-2px); box-shadow: 0 8px 28px rgba(212,175,55,0.45);
}
.hc-btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--white);
  padding: 14px 32px; border-radius: 8px;
  font-weight: 600; font-size: 0.93rem;
  border: 2px solid rgba(255,255,255,0.38);
  transition: all 0.25s ease;
}
.hc-btn-outline:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.75); }
.hc-trust { display: flex; gap: 22px; flex-wrap: wrap; }
.hc-trust span { color: rgba(255,255,255,0.58); font-size: 0.81rem; font-weight: 500; }

/* Geometric deco */
.hc-deco {
  position: absolute; right: 0; top: 0; bottom: 0; width: 400px;
  z-index: 2; pointer-events: none;
  opacity: 0; transition: opacity 0.9s ease 0.5s;
}
.hc-slide.active .hc-deco { opacity: 1; }
.hc-deco svg { width: 100%; height: 100%; }

/* Arrows */
.hc-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  z-index: 10; width: 54px; height: 54px; border-radius: 50%;
  background: rgba(255,255,255,0.10); border: 2px solid rgba(255,255,255,0.22);
  color: var(--white); cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: all 0.25s ease; backdrop-filter: blur(8px);
}
.hc-arrow svg { width: 22px; height: 22px; }
.hc-arrow:hover {
  background: var(--gold); border-color: var(--gold); color: var(--navy-dark);
  transform: translateY(-50%) scale(1.06);
}
.hc-prev { left: 30px; }
.hc-next { right: 30px; }

/* Counter + progress bar */
.hc-counter {
  position: absolute; bottom: 92px; left: 80px; z-index: 10;
  display: flex; align-items: center; gap: 12px; font-size: 0.8rem; font-weight: 600;
}
.hc-current-num { color: var(--gold); font-size: 1.1rem; font-weight: 800; font-family: 'Playfair Display', serif; }
.hc-total-num { color: rgba(255,255,255,0.32); }
.hc-progress-bar { width: 80px; height: 2px; background: rgba(255,255,255,0.18); border-radius: 1px; overflow: hidden; }
.hc-progress-fill { height: 100%; background: var(--gold); border-radius: 1px; width: 0%; }

/* Dots */
.hc-dots {
  position: absolute; bottom: 34px; left: 50%; transform: translateX(-50%);
  z-index: 10; display: flex; gap: 8px;
}
.hc-dot {
  width: 8px; height: 8px; border-radius: 4px;
  background: rgba(255,255,255,0.28); cursor: pointer;
  transition: all 0.3s ease; border: none;
}
.hc-dot.active { background: var(--gold); width: 30px; }
.hc-dot:hover:not(.active) { background: rgba(255,255,255,0.6); }

/* Wave */
.hc-wave { position: absolute; bottom: 0; left: 0; right: 0; z-index: 5; pointer-events: none; }
.hc-wave svg { display: block; }

/* ============================================================
   RESPONSIVE — NAVBAR V2 + CAROUSEL
   ============================================================ */
@media (max-width: 1100px) {
  .nv2-logo-wrap { clip-path: none; padding: 0 28px; }
  .hc-deco { width: 250px; }
  .hc-content { padding: 0 52px; max-width: 600px; }
  .hc-counter { left: 52px; }
}
@media (max-width: 900px) {
  .tv2-left { display: none; }
  .nv2-nav {
    display: none; flex-direction: column; align-items: flex-start;
    position: absolute; top: 100%; left: 0; right: 0;
    background: var(--white); box-shadow: 0 12px 32px rgba(10,38,71,0.14);
    padding: 12px; z-index: 500; gap: 2px;
  }
  .nv2-nav.open { display: flex; }
  .nv2-dropdown:hover .nv2-drop-menu {
    position: static; opacity: 1; pointer-events: all; transform: none;
    box-shadow: none; border: none; background: var(--gray-50); margin: 2px 0 4px 14px;
  }
  .navbar-v2-inner { position: relative; }
  .nv2-toggle { display: flex; }
  .nv2-btn-login { display: none; }
  .nv2-btn-account { padding: 8px 14px; font-size: 0.8rem; }
  .hc-deco { display: none; }
  .hc-content { padding: 0 56px 0 28px; }
  .hc-counter { left: 28px; bottom: 72px; }
  .hc-arrow { width: 44px; height: 44px; }
  .hc-arrow svg { width: 18px; height: 18px; }
  .hc-prev { left: 14px; }
  .hc-next { right: 14px; }
  .hero-carousel { height: 78vh; min-height: 520px; }
  .nv2-logo-wrap { clip-path: none; }
}
@media (max-width: 560px) {
  .hc-content h1 { font-size: 1.95rem; }
  .hc-content { padding: 0 48px 0 20px; }
  .hc-btns { flex-direction: column; }
  .hc-btns a { text-align: center; justify-content: center; }
  .hc-trust { gap: 10px; }
  .navbar-v2-inner { height: 64px; }
  .nv2-logo-wrap { padding: 0 36px 0 16px; }
  .hero-carousel { height: 72vh; min-height: 480px; }
  .hc-counter { display: none; }
  .tv2-right .tv2-contact { display: none; }
}