/* ============================================================
   Cathay BANK — Global Styles
   Design: Glassmorphism Dark, Inter, Gradient Depth
   ============================================================ */

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

/* ── Tokens ── */
:root {
  --bg-base:        #ffffff;
  --bg-surface:     #f8f9fa;
  --bg-elevated:    #f1f3f5;

  --glass-bg:       rgba(0,0,0,0.03);
  --glass-bg-hover: rgba(0,0,0,0.06);
  --glass-border:   rgba(0,0,0,0.08);
  --glass-border-strong: rgba(0,0,0,0.14);
  --glass-blur:     blur(20px);

  --primary:        #c1121f;
  --primary-light:  #e63946;
  --primary-glow:   rgba(193,18,31,0.25);
  --accent:         #d90429;
  --accent-glow:    rgba(217,4,41,0.25);
  --gold:           #f59e0b;
  --success:        #2a9d8f;
  --warning:        #f59e0b;
  --danger:         #ef4444;

  --text-primary:   #1a1a2e;
  --text-secondary: #4a4e69;
  --text-muted:     #8d99ae;

  --orb-1:          rgba(193,18,31,0.12);
  --orb-2:          rgba(217,4,41,0.10);
  --orb-3:          rgba(123,28,28,0.08);

  --nav-h:          72px;
  --radius-sm:      8px;
  --radius-md:      16px;
  --radius-lg:      24px;
  --radius-xl:      32px;

  --transition:     0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow:0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  background: var(--bg-base);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
input, textarea, select { font-family: inherit; }

/* ── Background Orbs ── */
.orb-field {
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  overflow: hidden;
}
.orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  animation: orbDrift 20s ease-in-out infinite alternate;
}
.orb-1 { width: 600px; height: 600px; background: var(--orb-1); top: -10%; left: -10%; animation-delay: 0s; }
.orb-2 { width: 500px; height: 500px; background: var(--orb-2); top: 30%; right: -15%; animation-delay: -7s; }
.orb-3 { width: 400px; height: 400px; background: var(--orb-3); bottom: 10%; left: 20%; animation-delay: -14s; }

@keyframes orbDrift {
  0%   { transform: translate(0,0) scale(1); }
  50%  { transform: translate(40px, -30px) scale(1.05); }
  100% { transform: translate(-20px, 40px) scale(0.95); }
}

/* ── Navigation ── */
#nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  padding: 0 clamp(1rem, 4vw, 2.5rem);
  transition: background var(--transition), backdrop-filter var(--transition), border-color var(--transition);
  border-bottom: 1px solid transparent;
}
#nav.scrolled {
  background: rgba(255,255,255,0.92);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-color: var(--glass-border);
}
.nav-inner {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 2rem;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  flex-shrink: 0;
}
.nav-logo .logo-mark {
  width: 36px; height: 36px;
  background: black;
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 1rem; color: #fff;
  letter-spacing: -0.05em;
}
.nav-logo .logo-text {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.03em;
  color: var(--text-primary);
}
.nav-logo .logo-text span { color: var(--primary-light); }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin: 0 auto;
}
.nav-links a {
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--transition), background var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  color: var(--text-primary);
  background: var(--glass-bg);
}

.btn-login {
  flex-shrink: 0;
  padding: 0.5rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary-light);
  border: 1px solid var(--primary);
  background: rgba(193,18,31,0.06);
  transition: all var(--transition);
  white-space: nowrap;
  box-shadow: 0 0 12px var(--primary-glow), inset 0 0 12px rgba(193,18,31,0.04);
}
.btn-login:hover {
  background: rgba(193,18,31,0.12);
  box-shadow: 0 0 24px var(--primary-glow), inset 0 0 20px rgba(193,18,31,0.08);
  color: #fff;
}

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 0.5rem;
  cursor: pointer;
  margin-left: auto;
}
.nav-hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--text-secondary);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu */
.nav-mobile {
  display: none;
  position: fixed;
  top: 0; right: 0;
  width: min(320px, 85vw);
  height: 100vh;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  border-left: 1px solid var(--glass-border);
  z-index: 999;
  transform: translateX(100%);
  transition: transform var(--transition-slow);
  flex-direction: column;
  padding: calc(var(--nav-h) + 1.5rem) 2rem 2rem;
  gap: 0.25rem;
}
.nav-mobile.open { transform: translateX(0); }
.nav-mobile a {
  display: block;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  border: 1px solid transparent;
}
.nav-mobile a:hover {
  color: var(--text-primary);
  background: var(--glass-bg);
  border-color: var(--glass-border);
}
.nav-mobile .btn-login {
  margin-top: 1rem;
  display: block;
  text-align: center;
  padding: 0.75rem;
  width: 100%;
}
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 998;
}

/* ── Page wrapper ── */
.page-content {
  position: relative;
  z-index: 1;
  padding-top: var(--nav-h);
}

/* ── Hero ── */
.hero {
  min-height: calc(100vh - var(--nav-h));
  display: flex;
  align-items: center;
  padding: 6rem clamp(1rem, 4vw, 2.5rem) 4rem;
  position: relative;
  overflow: hidden;
}
.hero-inner {
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 0.85rem;
  border-radius: 100px;
  background: rgba(193,18,31,0.08);
  border: 1px solid rgba(193,18,31,0.18);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary-light);
  margin-bottom: 1.5rem;
}
.hero-eyebrow .dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent);
  animation: pulse 2s ease infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.8); }
}

.hero h1 {
  font-size: clamp(2.5rem, 6vw, 5rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -0.04em;
  margin-bottom: 1.5rem;
  max-width: 14ch;
}
.hero h1 .gradient-text {
  background: linear-gradient(135deg, var(--primary-light), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero p {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: var(--text-secondary);
  max-width: 52ch;
  margin-bottom: 2.5rem;
  line-height: 1.7;
}
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

/* ── Buttons ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), #9b2226);
  color: #fff;
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition);
  box-shadow: 0 4px 20px var(--primary-glow);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px var(--primary-glow);
}
.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  border-radius: var(--radius-sm);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  color: var(--text-secondary);
  font-weight: 500;
  font-size: 0.9rem;
  transition: all var(--transition);
  backdrop-filter: var(--glass-blur);
}
.btn-ghost:hover {
  background: var(--glass-bg-hover);
  border-color: var(--glass-border-strong);
  color: var(--text-primary);
}
.btn-accent {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--accent), #ef233c);
  color: #fff;
  font-weight: 600;
  font-size: 0.9rem;
  transition: all var(--transition);
  box-shadow: 0 4px 20px var(--accent-glow);
}
.btn-accent:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px var(--accent-glow);
}
.btn-lg { padding: 1rem 2.25rem; font-size: 1rem; }

/* ── Stats Bar ── */
.stats-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  margin-top: 4rem;
  padding-top: 2.5rem;
  border-top: 1px solid var(--glass-border);
}
.stat-item { flex: 1; min-width: 120px; }
.stat-number {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--text-primary);
  line-height: 1.1;
}
.stat-number .accent { color: var(--primary-light); }
.stat-label {
  font-size: 0.8rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-top: 0.25rem;
}

/* ── Section Layout ── */
.section {
  padding: 6rem clamp(1rem, 4vw, 2.5rem);
}
.section-inner {
  max-width: 1280px;
  margin: 0 auto;
}
.section-header {
  text-align: center;
  margin-bottom: 4rem;
}
.section-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--primary-light);
  margin-bottom: 1rem;
}
.section-title {
  font-size: clamp(1.8rem, 3.5vw, 3rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 1rem;
}
.section-subtitle {
  font-size: 1rem;
  color: var(--text-secondary);
  max-width: 56ch;
  margin: 0 auto;
  line-height: 1.7;
}

/* ── Glass Cards ── */
.glass-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  transition: all var(--transition);
}
.glass-card:hover {
  background: var(--glass-bg-hover);
  border-color: var(--glass-border-strong);
  transform: translateY(-4px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.card-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem;
  color: #fff;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

/* ── Grid Systems ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }

/* ── Ticker ── */
.ticker-wrap {
  background: rgba(248,249,250,0.85);
  border-top: 1px solid var(--glass-border);
  border-bottom: 1px solid var(--glass-border);
  padding: 0.75rem 0;
  overflow: hidden;
  backdrop-filter: var(--glass-blur);
}
.ticker-track {
  display: flex;
  gap: 3rem;
  animation: tickerScroll 30s linear infinite;
  white-space: nowrap;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: var(--text-secondary);
  flex-shrink: 0;
}
.ticker-item .symbol { font-weight: 700; color: var(--text-primary); }
.ticker-item .up { color: var(--success); }
.ticker-item .down { color: var(--danger); }
@keyframes tickerScroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── Testimonials ── */
.testimonial-card {
  padding: 2rem;
}
.testimonial-card .stars {
  color: var(--gold);
  font-size: 0.85rem;
  margin-bottom: 1rem;
  letter-spacing: 2px;
}
.testimonial-card blockquote {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-card .author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.author-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  color: #fff;
  flex-shrink: 0;
}
.author-name { font-weight: 600; font-size: 0.875rem; }
.author-role { font-size: 0.78rem; color: var(--text-muted); }

/* ── Trust Badges ── */
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
  justify-content: center;
}
.badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-sm);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-secondary);
  white-space: nowrap;
}
.badge i { color: var(--success); }

/* ── CTA Banner ── */
.cta-banner {
  background: linear-gradient(135deg, rgba(193,18,31,0.10), rgba(217,4,41,0.06));
  border: 1px solid rgba(193,18,31,0.15);
  border-radius: var(--radius-xl);
  padding: 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(193,18,31,0.12), transparent 70%);
  pointer-events: none;
}
.cta-banner h2 {
  font-size: clamp(1.75rem, 3vw, 2.75rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 1rem;
}
.cta-banner p { color: var(--text-secondary); margin-bottom: 2rem; font-size: 1.05rem; }

/* ── Product Cards ── */
.product-card {
  padding: 2rem;
  position: relative;
  overflow: hidden;
}
.product-card .tag {
  display: inline-block;
  padding: 0.25rem 0.65rem;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1.25rem;
}
.tag-blue { background: rgba(193,18,31,0.12); color: var(--primary-light); }
.tag-cyan { background: rgba(217,4,41,0.12); color: var(--accent); }
.tag-purple { background: rgba(123,28,28,0.12); color: #d00000; }
.tag-gold { background: rgba(245,158,11,0.10); color: var(--gold); }
.tag-green { background: rgba(42,157,143,0.12); color: var(--success); }

.product-card h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}
.product-card p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 1.5rem;
}
.product-card .rate {
  font-size: 1.75rem;
  font-weight: 800;
  letter-spacing: -0.04em;
  color: var(--primary-light);
}
.product-card .rate-label {
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-top: 0.1rem;
}
.product-card .card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--primary-light);
  margin-top: 1.25rem;
  transition: gap var(--transition);
}
.product-card:hover .card-link { gap: 0.65rem; }

/* ── Page Hero (inner pages) ── */
.page-hero {
  padding: 5rem clamp(1rem, 4vw, 2.5rem) 3rem;
  text-align: center;
  position: relative;
}
.page-hero h1 {
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  margin-bottom: 1rem;
}
.page-hero p {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 56ch;
  margin: 0 auto 2rem;
  line-height: 1.7;
}

/* ── Comparison Table ── */
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.875rem;
}
.compare-table th {
  padding: 1rem 1.25rem;
  text-align: left;
  font-weight: 600;
  color: var(--text-muted);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  border-bottom: 1px solid var(--glass-border);
}
.compare-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid rgba(0,0,0,0.03);
  color: var(--text-secondary);
}
.compare-table tr:hover td { background: var(--glass-bg); }
.compare-table .check { color: var(--success); }
.compare-table .cross { color: var(--danger); }
.compare-table .featured td { background: rgba(193,18,31,0.04); }

/* ── Accordion ── */
.accordion-item {
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  margin-bottom: 0.75rem;
  overflow: hidden;
  background: var(--glass-bg);
  backdrop-filter: var(--glass-blur);
}
.accordion-header {
  width: 100%;
  text-align: left;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-primary);
  transition: background var(--transition);
}
.accordion-header:hover { background: var(--glass-bg-hover); }
.accordion-icon {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.75rem;
  color: var(--text-muted);
  transition: transform var(--transition), background var(--transition);
  flex-shrink: 0;
}
.accordion-item.open .accordion-icon {
  transform: rotate(45deg);
  background: rgba(193,18,31,0.12);
  border-color: var(--primary);
  color: var(--primary-light);
}
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.4,0,0.2,1), padding var(--transition);
}
.accordion-body-inner {
  padding: 0 1.5rem 1.5rem;
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

/* ── Tabs ── */
.tab-nav {
  display: flex;
  gap: 0.5rem;
  border-bottom: 1px solid var(--glass-border);
  margin-bottom: 2rem;
  overflow-x: auto;
  scrollbar-width: none;
}
.tab-nav::-webkit-scrollbar { display: none; }
.tab-btn {
  padding: 0.65rem 1.25rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-muted);
  border-radius: var(--radius-sm) var(--radius-sm) 0 0;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  transition: all var(--transition);
}
.tab-btn:hover { color: var(--text-secondary); }
.tab-btn.active {
  color: var(--primary-light);
  border-color: var(--primary);
}
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity:0; transform:translateY(8px); } to { opacity:1; transform:translateY(0); } }

/* ── Form Styles ── */
.glass-form { padding: 2.5rem; }
.form-group { margin-bottom: 1.5rem; }
.form-label {
  display: block;
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 0.5rem;
  letter-spacing: 0.02em;
}
.form-control {
  width: 100%;
  padding: 0.8rem 1rem;
  background: rgba(0,0,0,0.03);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-size: 0.9rem;
  transition: all var(--transition);
  outline: none;
}
.form-control:focus {
  border-color: var(--primary);
  background: rgba(193,18,31,0.05);
  box-shadow: 0 0 0 3px var(--primary-glow);
}
.form-control::placeholder { color: var(--text-muted); }
.form-control.error { border-color: var(--danger); }
.form-control.success { border-color: var(--success); }
.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.35rem;
}
.form-error-msg { color: var(--danger); font-size: 0.78rem; margin-top: 0.35rem; }

/* ── Feature List ── */
.feature-list { display: flex; flex-direction: column; gap: 1rem; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  border-radius: var(--radius-md);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  transition: all var(--transition);
}
.feature-item:hover {
  background: var(--glass-bg-hover);
  border-color: var(--glass-border-strong);
}
.feature-icon {
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 1rem;
  flex-shrink: 0;
}
.feature-item h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 0.25rem; }
.feature-item p { font-size: 0.825rem; color: var(--text-secondary); line-height: 1.6; }

/* ── Timeline ── */
.timeline { position: relative; padding-left: 2rem; }
.timeline::before {
  content: '';
  position: absolute;
  left: 7px; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--primary), var(--accent), transparent);
}
.timeline-item { position: relative; margin-bottom: 2.5rem; }
.timeline-dot {
  position: absolute;
  left: -2rem;
  top: 0.25rem;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--primary);
  border: 3px solid var(--bg-base);
  box-shadow: 0 0 12px var(--primary-glow);
}
.timeline-date { font-size: 0.78rem; color: var(--primary-light); font-weight: 600; margin-bottom: 0.35rem; }
.timeline-title { font-size: 1rem; font-weight: 700; margin-bottom: 0.4rem; }
.timeline-body { font-size: 0.875rem; color: var(--text-secondary); line-height: 1.65; }

/* ── Calculator ── */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}
.calc-panel { padding: 2rem; }
.range-group { margin-bottom: 1.5rem; }
.range-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 0.5rem;
}
.range-value { color: var(--primary-light); }
input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 4px;
  background: rgba(255,255,255,0.1);
  border-radius: 2px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  cursor: pointer;
  box-shadow: 0 0 8px var(--primary-glow);
}
.calc-result {
  text-align: center;
  padding: 2rem;
}
.calc-result .big-number {
  font-size: 3rem;
  font-weight: 900;
  letter-spacing: -0.05em;
  background: linear-gradient(135deg, var(--primary-light), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.calc-result .big-label { font-size: 0.85rem; color: var(--text-muted); margin-top: 0.25rem; }
.calc-breakdown { margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid var(--glass-border); }
.breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  padding: 0.4rem 0;
  color: var(--text-secondary);
}
.breakdown-row .val { font-weight: 600; color: var(--text-primary); }

/* ── Credit Card Visual ── */
.card-visual {
  width: 340px;
  height: 210px;
  border-radius: 20px;
  padding: 1.75rem;
  background: linear-gradient(135deg, #3c1518, #2b0f12);
  border: 1px solid rgba(255,255,255,0.12);
  position: relative;
  overflow: hidden;
  transform-style: preserve-3d;
  transition: transform 0.3s ease;
  cursor: default;
  user-select: none;
}
.card-visual::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(193,18,31,0.15);
  filter: blur(40px);
}
.card-visual .card-chip {
  width: 36px; height: 28px;
  border-radius: 5px;
  background: linear-gradient(135deg, #f59e0b, #fbbf24);
  margin-bottom: 1.5rem;
}
.card-visual .card-number {
  font-size: 1rem;
  letter-spacing: 0.2em;
  color: rgba(255,255,255,0.85);
  font-weight: 500;
  margin-bottom: 1.25rem;
}
.card-visual .card-meta {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.card-meta-label { font-size: 0.6rem; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.5); }
.card-meta-value { font-size: 0.875rem; font-weight: 600; color: rgba(255,255,255,0.9); }
.card-network { font-size: 0.9rem; font-weight: 800; letter-spacing: -0.02em; color: rgba(255,255,255,0.9); }

/* ── Team Cards ── */
.team-card { padding: 2rem; text-align: center; position: relative; overflow: hidden; }
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.75rem;
  font-weight: 800;
  color: #fff;
  margin: 0 auto 1rem;
  border: 3px solid rgba(255,255,255,0.1);
}
.team-name { font-size: 1rem; font-weight: 700; margin-bottom: 0.25rem; }
.team-role { font-size: 0.825rem; color: var(--primary-light); margin-bottom: 0.75rem; }
.team-bio { font-size: 0.8rem; color: var(--text-secondary); line-height: 1.65; }
.team-hover {
  position: absolute;
  inset: 0;
  background: rgba(193,18,31,0.06);
  display: flex; align-items: center; justify-content: center;
  gap: 1rem;
  opacity: 0;
  transition: opacity var(--transition);
  border-radius: var(--radius-lg);
}
.team-card:hover .team-hover { opacity: 1; }

/* ── Security Badges ── */
.security-badge {
  padding: 1.5rem;
  text-align: center;
  border-radius: var(--radius-md);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
}
.security-badge i {
  font-size: 2rem;
  color: var(--success);
  margin-bottom: 0.75rem;
  display: block;
}
.security-badge h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 0.25rem; }
.security-badge p { font-size: 0.78rem; color: var(--text-muted); }

/* ── Location Card ── */
.location-card { padding: 1.75rem; }
.location-card h4 { font-size: 1rem; font-weight: 700; margin-bottom: 0.35rem; }
.location-card .address { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; margin-bottom: 1rem; }
.location-card .hours { font-size: 0.8rem; color: var(--text-muted); }
.location-flag { font-size: 1.25rem; margin-bottom: 0.75rem; }

/* ── Job Card ── */
.job-card { padding: 1.75rem; display: flex; gap: 1.5rem; align-items: flex-start; }
.job-dept-icon {
  width: 48px; height: 48px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  color: #fff;
  flex-shrink: 0;
}
.job-info { flex: 1; }
.job-title { font-size: 1rem; font-weight: 700; margin-bottom: 0.25rem; }
.job-meta { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 0.5rem; }
.job-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 600;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  color: var(--text-muted);
}

/* ── Toast ── */
#toast-container {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  pointer-events: none;
}
.toast {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.875rem 1.25rem;
  border-radius: var(--radius-md);
  background: rgba(255,255,255,0.97);
  border: 1px solid var(--glass-border);
  backdrop-filter: blur(20px);
  color: var(--text-primary);
  font-size: 0.875rem;
  font-weight: 500;
  min-width: 280px;
  max-width: 380px;
  transform: translateX(120%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
  pointer-events: all;
  box-shadow: 0 8px 32px rgba(0,0,0,0.4);
}
.toast.show { transform: translateX(0); }
.toast-icon { font-size: 1rem; flex-shrink: 0; }
.toast.success .toast-icon { color: var(--success); }
.toast.error .toast-icon { color: var(--danger); }
.toast.info .toast-icon { color: var(--primary-light); }

/* ── Cookie Banner ── */
#cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 2000;
  background: rgba(255,255,255,0.98);
  border-top: 1px solid var(--glass-border);
  backdrop-filter: blur(20px);
  padding: 1.25rem clamp(1rem, 4vw, 2.5rem);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  flex-wrap: wrap;
  transform: translateY(100%);
  transition: transform 0.5s cubic-bezier(0.4,0,0.2,1);
}
#cookie-banner.show { transform: translateY(0); }
#cookie-banner p { font-size: 0.85rem; color: var(--text-secondary); flex: 1; min-width: 200px; line-height: 1.5; }
#cookie-banner .cookie-btns { display: flex; gap: 0.75rem; flex-shrink: 0; }

/* ── Footer ── */
footer {
  background: var(--bg-surface); /* white theme */
  border-top: 1px solid var(--glass-border);
  padding: 5rem clamp(1rem, 4vw, 2.5rem) 2rem;
  position: relative;
  z-index: 1;
}
.footer-inner { max-width: 1280px; margin: 0 auto; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.5fr;
  gap: 3rem;
  margin-bottom: 4rem;
}
.footer-brand .logo-wrap {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 1.25rem;
}
.footer-brand p {
  font-size: 0.875rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}
.footer-fdic {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.85rem;
  border-radius: var(--radius-sm);
  background: rgba(42,157,143,0.06);
  border: 1px solid rgba(42,157,143,0.15);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--success);
  letter-spacing: 0.04em;
}
.footer-col h5 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 1rem;
}
.footer-col ul li { margin-bottom: 0.6rem; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: var(--text-secondary);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--text-primary); }

.newsletter-form { display: flex; gap: 0.5rem; margin-top: 0.75rem; }
.newsletter-form input {
  flex: 1;
  padding: 0.6rem 0.9rem;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-size: 0.825rem;
  outline: none;
}
.newsletter-form input:focus { border-color: var(--primary); }
.newsletter-form button {
  padding: 0.6rem 1rem;
  background: var(--primary);
  color: #fff;
  border-radius: var(--radius-sm);
  font-size: 0.825rem;
  font-weight: 600;
  transition: background var(--transition);
}
.newsletter-form button:hover { background: #9b2226; }

.footer-bottom {
  border-top: 1px solid var(--glass-border);
  padding-top: 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-bottom p { font-size: 0.8rem; color: var(--text-muted); }
.footer-socials { display: flex; gap: 0.75rem; }
.footer-socials a {
  width: 34px; height: 34px;
  border-radius: var(--radius-sm);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem;
  color: var(--text-muted);
  transition: all var(--transition);
}
.footer-socials a:hover {
  background: var(--glass-bg-hover);
  color: var(--text-primary);
  border-color: var(--glass-border-strong);
}
.footer-legal { display: flex; gap: 1.25rem; flex-wrap: wrap; }
.footer-legal a { font-size: 0.78rem; color: var(--text-muted); transition: color var(--transition); }
.footer-legal a:hover { color: var(--text-secondary); }
.gdpr-notice {
  font-size: 0.75rem;
  color: var(--text-muted);
  padding: 0.75rem 1rem;
  background: rgba(193,18,31,0.04);
  border: 1px solid rgba(193,18,31,0.08);
  border-radius: var(--radius-sm);
  margin-top: 1rem;
}
.gdpr-notice a { color: var(--primary-light); }

/* ── Scroll animations ── */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }

/* ── Map Placeholder ── */
.map-placeholder {
  height: 420px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--bg-elevated), var(--bg-surface));
  border: 1px solid var(--glass-border);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  position: relative;
  overflow: hidden;
}
.map-placeholder::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(0deg, transparent, transparent 49px, rgba(0,0,0,0.02) 50px),
    repeating-linear-gradient(90deg, transparent, transparent 49px, rgba(0,0,0,0.02) 50px);
}
.map-placeholder i { font-size: 3rem; color: var(--primary-light); position: relative; }
.map-placeholder p { color: var(--text-muted); font-size: 0.9rem; position: relative; }

/* ── 404 Page ── */
.error-page {
  min-height: 80vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 4rem 1.5rem;
}
.error-number {
  font-size: clamp(6rem, 15vw, 10rem);
  font-weight: 900;
  letter-spacing: -0.06em;
  line-height: 1;
  background: linear-gradient(135deg, rgba(193,18,31,0.30), rgba(217,4,41,0.25));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: 1rem;
}

/* ── Login Page ── */
.login-wrap {
  min-height: calc(80vh - var(--nav-h));
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem 1rem;
}
.login-card {
  width: 100%;
  max-width: 440px;
  padding: 2.5rem;
}
.login-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  justify-content: center;
  margin-bottom: 2rem;
}
.security-notice {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  background: rgba(42,157,143,0.05);
  border: 1px solid rgba(42,157,143,0.12);
  font-size: 0.78rem;
  color: var(--success);
  margin-top: 1.5rem;
}

/* ── Legal Pages ── */
.legal-wrap { max-width: 860px; margin: 0 auto; }
.legal-section { margin-bottom: 3rem; }
.legal-section h2 { font-size: 1.25rem; font-weight: 700; margin-bottom: 1rem; color: var(--text-primary); }
.legal-section p, .legal-section li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 0.75rem;
}
.legal-section ul { padding-left: 1.25rem; list-style: disc; }
.legal-section ul li { margin-bottom: 0.4rem; }
.legal-nav {
  position: sticky;
  top: calc(var(--nav-h) + 1rem);
}
.legal-nav a {
  display: block;
  padding: 0.45rem 0.75rem;
  font-size: 0.825rem;
  color: var(--text-muted);
  border-left: 2px solid transparent;
  transition: all var(--transition);
}
.legal-nav a:hover, .legal-nav a.active {
  color: var(--primary-light);
  border-color: var(--primary);
}

/* ── Utility ── */
.text-center { text-align: center; }
.text-gradient {
  background: linear-gradient(135deg, var(--primary-light), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.divider {
  width: 60px; height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  border-radius: 2px;
  margin: 0 auto 1.5rem;
}
.spacer { height: 1px; background: var(--glass-border); margin: 0; }

/* ── Rate Table ── */
.rate-row {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1rem 1.5rem;
  border-radius: var(--radius-md);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  margin-bottom: 0.5rem;
  transition: all var(--transition);
}
.rate-row:hover { background: var(--glass-bg-hover); }
.rate-name { flex: 1; font-weight: 600; font-size: 0.9rem; }
.rate-val {
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--primary-light);
}
.rate-period { font-size: 0.75rem; color: var(--text-muted); }
.rate-change { font-size: 0.8rem; font-weight: 600; }
.rate-change.up { color: var(--success); }
.rate-change.down { color: var(--danger); }

/* ── Loader button state ── */
.btn-loading {
  position: relative;
  pointer-events: none;
  color: transparent !important;
}
.btn-loading::after {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  width: 16px; height: 16px;
  border: 2px solid rgba(255,255,255,0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
  transform: translate(-50%, -50%);
}
@keyframes spin { to { transform: translate(-50%,-50%) rotate(360deg); } }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-grid > *:first-child { grid-column: 1 / -1; }
  .calc-wrap { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .btn-login.nav-login { display: none; }
  .nav-hamburger { display: flex; }
  .nav-mobile { display: flex; }
  
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > *:first-child { grid-column: 1 / -1; }
  
  .hero { padding: 3rem 1rem 3rem; }
  .section { padding: 4rem 1rem; }
  .cta-banner { padding: 2.5rem 1.5rem; }
  
  .stats-bar { gap: 1.25rem; }
  
  .job-card { flex-direction: column; }
  
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .footer-legal { flex-wrap: wrap; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn-primary, .hero-ctas .btn-ghost { width: 100%; justify-content: center; }
  .trust-badges { gap: 0.5rem; }
  .badge { font-size: 0.72rem; padding: 0.45rem 0.9rem; }
}

/* ===== IMAGE SHOWCASE ===== */
.image-showcase {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.showcase-item {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  height: 320px;
  cursor: pointer;
}

.showcase-item img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.showcase-item:hover img {
  transform: scale(1.05);
}

.showcase-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.7) 0%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.showcase-item:hover .showcase-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.2) 100%);
}

.showcase-overlay h3 {
  color: #fff;
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}

.showcase-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.875rem;
  margin: 0;
}

/* ===== WHY Cathay IMAGE ===== */
.why-image {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  height: 100%;
  min-height: 500px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}

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

.why-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(59,130,246,0.15) 0%, transparent 50%);
  pointer-events: none;
}

/* ===== MOBILE BANKING ===== */
.mobile-banking-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.phone-mockup {
  display: flex;
  justify-content: center;
}

.phone-frame {
  width: 280px;
  height: 560px;
  background: #1a1a2e;
  border-radius: 2.5rem;
  padding: 0.75rem;
  box-shadow: 0 25px 80px rgba(0,0,0,0.4), 0 0 0 1px rgba(255,255,255,0.1);
  position: relative;
}

.phone-screen {
  width: 100%;
  height: 100%;
  border-radius: 1.8rem;
  overflow: hidden;
  position: relative;
}

.phone-screen img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.phone-notch {
  position: absolute;
  top: 0.5rem;
  left: 50%;
  transform: translateX(-50%);
  width: 100px;
  height: 24px;
  background: #1a1a2e;
  border-radius: 0 0 1rem 1rem;
  z-index: 10;
}

/* ===== COMMUNITY GRID ===== */
.community-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.community-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  height: 350px;
  cursor: pointer;
}

.community-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.community-card:hover img {
  transform: scale(1.03);
}

.community-card .overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.75) 0%, transparent 50%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
}

.community-card .overlay h4 {
  color: #fff;
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}

.community-card .overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  margin: 0;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 768px) {
  .image-showcase {
    grid-template-columns: 1fr;
  }
  .mobile-banking-section {
    grid-template-columns: 1fr;
  }
  .community-grid {
    grid-template-columns: 1fr;
  }
  .phone-mockup {
    order: -1;
  }
  .why-image {
    min-height: 300px;
    margin-top: 2rem;
  }
}


/* ===== HERO GRID (NEW) ===== */
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  margin-bottom: 4rem;
}

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

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}

.hero-image-card {
  position: relative;
  width: 100%;
  max-width: 420px;
  aspect-ratio: 1 / 1;
  border-radius: 2rem;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4), 0 0 0 1px rgba(255,255,255,0.05);
}

.hero-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Floating stat cards on hero image */
.floating-card {
  position: absolute;
  background: rgba(15, 23, 42, 0.9);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 1rem;
  padding: 0.75rem 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  box-shadow: 0 8px 32px rgba(0,0,0,0.3);
  animation: float 6s ease-in-out infinite;
}

.floating-card i {
  font-size: 1.25rem;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 0.6rem;
}

.floating-card.card-1 {
  top: 1.5rem;
  right: -1.5rem;
  animation-delay: 0s;
}
.floating-card.card-1 i {
  background: rgba(16, 185, 129, 0.15);
  color: var(--success);
}

.floating-card.card-2 {
  bottom: 4rem;
  left: -1.5rem;
  animation-delay: 2s;
}
.floating-card.card-2 i {
  background: rgba(59, 130, 246, 0.15);
  color: var(--primary-light);
}

.floating-card.card-3 {
  bottom: 1rem;
  right: 1rem;
  animation-delay: 4s;
}
.floating-card.card-3 i {
  background: rgba(245, 158, 11, 0.15);
  color: var(--gold);
}

.fc-label {
  font-size: 0.7rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.fc-value {
  font-size: 1rem;
  font-weight: 700;
  color: white;
}

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

/* ===== IMAGE SHOWCASE ===== */


/* ===== WHY Cathay IMAGE ===== */


/* ===== MOBILE BANKING ===== */


/* ===== COMMUNITY GRID ===== */


/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
 
  .hero-image-card {
    max-width: 350px;
  }
  .floating-card {
    display: none;
  }
}


/* ===== ABOUT PAGE HERO ===== */
.page-hero .hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.page-hero .hero-content {
  max-width: 600px;
}

.page-hero .hero-content h1 {
  font-size: 3rem;
  line-height: 1.1;
  margin-bottom: 1.5rem;
}

.page-hero .hero-content p {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

.page-hero .hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}

.page-hero .hero-image-card {
  position: relative;
  width: 100%;
  max-width: 420px;
  aspect-ratio: 1 / 1;
  border-radius: 2rem;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4), 0 0 0 1px rgba(255,255,255,0.05);
}

.page-hero .hero-image-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* Floating stat cards on about hero image */
.page-hero .floating-card {
  position: absolute;
  background: rgba(15, 23, 42, 0.9);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 1rem;
  padding: 0.75rem 1rem;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  box-shadow: 0 8px 32px rgba(0,0,0,0.3);
  animation: float 6s ease-in-out infinite;
}

.page-hero .floating-card i {
  font-size: 1.25rem;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 0.6rem;
}

.page-hero .floating-card.card-1 {
  top: 1.5rem;
  right: -1.5rem;
  animation-delay: 0s;
}
.page-hero .floating-card.card-1 i {
  background: rgba(59, 130, 246, 0.15);
  color: var(--primary-light);
}

.page-hero .floating-card.card-2 {
  bottom: 4rem;
  left: -1.5rem;
  animation-delay: 2s;
}
.page-hero .floating-card.card-2 i {
  background: rgba(245, 158, 11, 0.15);
  color: var(--gold);
}

.page-hero .floating-card.card-3 {
  bottom: 1rem;
  right: 1rem;
  animation-delay: 4s;
}
.page-hero .floating-card.card-3 i {
  background: rgba(16, 185, 129, 0.15);
  color: var(--success);
}


/* ===== ABOUT IMAGE WRAP ===== */
.about-image-wrap {
  position: relative;
  border-radius: 1.5rem;
  overflow: hidden;
  height: 100%;
  min-height: 400px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}

.about-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.about-image-wrap::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(59,130,246,0.1) 0%, transparent 50%);
  pointer-events: none;
}

/* ===== VALUE CARDS ===== */
.value-card {
  padding: 2rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.value-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px rgba(0,0,0,0.2);
}

/* ===== OFFICE LOCATIONS GRID ===== */
.office-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: 280px 200px;
  gap: 1.5rem;
}

.office-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.office-card:nth-child(1) { grid-row: span 2; }
.office-card:nth-child(4) { grid-column: span 2; }

.office-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.office-card:hover img {
  transform: scale(1.05);
}

.office-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.75) 0%, transparent 50%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.office-card:hover .office-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.2) 100%);
}

.office-overlay h4 {
  color: #fff;
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 0.25rem;
}

.office-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  margin: 0;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .about-image-wrap {
    min-height: 280px;
    margin-top: 2rem;
  }
  .office-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .office-card:nth-child(1) { grid-row: span 1; }
  .office-card:nth-child(4) { grid-column: span 1; }
}

@media (max-width: 768px) {
  .office-grid {
    grid-template-columns: 1fr;
  }
  .office-card {
    height: 240px;
  }
}


/* ===== CAREERS HERO ===== */


/* Floating stat cards on careers hero image */


.page-hero .floating-card.card-2 i {
  background: rgba(16, 185, 129, 0.15);
  color: var(--success);
}


.page-hero .floating-card.card-3 i {
  background: rgba(245, 158, 11, 0.15);
  color: var(--gold);
}


/* ===== CULTURE GRID ===== */
.culture-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 280px 200px;
  gap: 1.5rem;
}

.culture-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.culture-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.culture-card:hover img {
  transform: scale(1.05);
}

.culture-tall {
  grid-row: span 2;
}

.culture-wide {
  grid-column: span 2;
}

.culture-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.3) 40%, transparent 70%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.culture-card:hover .culture-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.4) 50%);
}

.culture-tag {
  display: inline-block;
  background: rgba(59, 130, 246, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.culture-overlay h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin: 0;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .culture-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .culture-tall {
    grid-row: span 1;
  }
  .culture-wide {
    grid-column: span 1;
  }
}

@media (max-width: 768px) {
  .culture-grid {
    grid-template-columns: 1fr;
  }
  .culture-card {
    height: 240px;
  }
  .culture-tall {
    height: 300px;
  }
}


/* ===== CONTACT HERO ===== */


/* Floating stat cards on contact hero image */


.fc-value {
  font-size: 1rem;
  font-weight: 700;
  color: white;
}


/* ===== OFFICE GRID ===== */
.office-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.office-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  height: 320px;
  cursor: pointer;
}


.office-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.office-card:hover .office-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.4) 50%);
}


.office-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0 0 0.75rem;
  line-height: 1.5;
}

.office-badge {
  display: inline-block;
  background: rgba(59, 130, 246, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  width: fit-content;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .office-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  .office-card {
    height: 280px;
  }
}


/* ===== CREDIT CARDS HERO ===== */


/* Floating stat cards on credit cards hero image */


/* ===== CARD SHOWCASE ROW ===== */
.card-showcase-row {
  margin-bottom: 6rem;
}

.card-showcase-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.card-showcase-text {
  order: 1;
}

.card-showcase-visual {
  order: 2;
  display: flex;
  justify-content: center;
}

.card-showcase-text.order-right {
  order: 2;
}

.card-showcase-visual.order-left {
  order: 1;
}

/* ===== REWARDS BREAKDOWN ===== */
.rewards-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.rewards-image {
  border-radius: 1.5rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  min-height: 400px;
}

.rewards-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.rewards-breakdown {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.breakdown-item {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 1rem;
  align-items: center;
}

.breakdown-cat {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--text-secondary);
  font-size: 0.9rem;
}

.breakdown-cat i {
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 0.5rem;
  background: rgba(59, 130, 246, 0.1);
  color: var(--primary-light);
  font-size: 0.85rem;
}

.breakdown-bar {
  height: 8px;
  background: rgba(255,255,255,0.06);
  border-radius: 4px;
  overflow: hidden;
}

.breakdown-fill {
  height: 100%;
  border-radius: 4px;
  transition: width 1s ease;
}

.breakdown-rate {
  font-weight: 700;
  font-size: 1rem;
  color: var(--text-primary);
  min-width: 40px;
  text-align: right;
}

.breakdown-total {
  margin-top: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--glass-border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  color: var(--text-secondary);
}

.breakdown-total strong {
  font-size: 1.5rem;
  color: var(--primary-light);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .card-showcase-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .card-showcase-text,
  .card-showcase-visual {
    order: unset !important;
  }
  .card-showcase-visual {
    order: -1 !important;
  }
  .rewards-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .rewards-image {
    min-height: 280px;
  }
}

@media (max-width: 768px) {
  .breakdown-item {
    grid-template-columns: 1fr auto;
    gap: 0.75rem;
  }
  .breakdown-bar {
    grid-column: span 2;
  }
}


/* ===== INVESTMENTS HERO ===== */


/* Floating stat cards on investments hero image */


.page-hero .floating-card.card-2 i {
  background: rgba(6, 182, 212, 0.15);
  color: var(--accent);
}


/* ===== GROWTH SECTION ===== */
.growth-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.growth-image {
  border-radius: 1.5rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  min-height: 400px;
}

.growth-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.growth-content h2 {
  text-align: left;
  margin-bottom: 1.5rem;
}

.growth-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.growth-stat {
  padding: 1.25rem;
  background: rgba(255,255,255,0.03);
  border: 1px solid var(--glass-border);
  border-radius: 1rem;
}

.growth-number {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary-light);
  margin-bottom: 0.25rem;
}

.growth-label {
  font-size: 0.8rem;
  color: var(--text-secondary);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .growth-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .growth-image {
    min-height: 280px;
  }
}

@media (max-width: 768px) {
  .growth-stats {
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
  }
  .growth-number {
    font-size: 1.4rem;
  }
}


/* ===== LOANS HERO ===== */


/* Floating stat cards on loans hero image */


.page-hero .floating-card.card-1 i {
  background: rgba(245, 158, 11, 0.15);
  color: var(--gold);
}


.page-hero .floating-card.card-2 i {
  background: rgba(59, 130, 246, 0.15);
  color: var(--primary-light);
}


/* ===== HOME SHOWCASE GRID ===== */
.home-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 400px 200px;
  gap: 1.5rem;
}

.home-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.home-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.home-card:hover img {
  transform: scale(1.05);
}

.home-tall {
  grid-row: span 2;
}

.home-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.home-card:hover .home-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.4) 50%);
}

.home-tag {
  display: inline-block;
  background: rgba(245, 158, 11, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.home-overlay h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.home-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0;
  line-height: 1.5;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .home-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .home-tall {
    grid-row: span 1;
  }
}

@media (max-width: 768px) {
  .home-grid {
    grid-template-columns: 1fr;
  }
  .home-card {
    height: 280px;
  }
  .home-tall {
    height: 350px;
  }
}


/* ===== LOCATIONS HERO ===== */


/* Floating stat cards on locations hero image */


/* ===== CITY SHOWCASE GRID ===== */
.city-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 400px 200px;
  gap: 1.5rem;
}

.city-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.city-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.city-card:hover img {
  transform: scale(1.05);
}

.city-tall {
  grid-row: span 2;
}

.city-wide {
  grid-column: span 2;
}

.city-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.city-card:hover .city-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.92) 0%, rgba(0,0,0,0.4) 50%);
}

.city-tag {
  display: inline-block;
  background: rgba(59, 130, 246, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.city-overlay h4 {
  color: #fff;
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.city-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0 0 0.75rem;
  line-height: 1.5;
}

.city-meta {
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
}

.city-meta span {
  color: rgba(255,255,255,0.7);
  font-size: 0.78rem;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.city-meta span i {
  font-size: 0.7rem;
  color: var(--primary-light);
}

/* ===== LOCATION CARDS ===== */
.location-card {
  padding: 2rem;
}

.location-flag {
  font-size: 2.5rem;
  margin-bottom: 0.75rem;
}

.location-card h4 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--text-primary);
}

.location-card .address {
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 1rem;
}


/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .city-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .city-tall {
    grid-row: span 1;
  }
  .city-wide {
    grid-column: span 1;
  }
}

@media (max-width: 768px) {
  .city-grid {
    grid-template-columns: 1fr;
  }
  .city-card {
    height: 280px;
  }
  .city-tall {
    height: 350px;
  }
}


/* ===== PERSONAL BANKING HERO ===== */


/* Floating stat cards on personal banking hero image */


/* ===== LIFESTYLE GRID ===== */
.lifestyle-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 400px 200px;
  gap: 1.5rem;
}

.lifestyle-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.lifestyle-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.lifestyle-card:hover img {
  transform: scale(1.05);
}

.lifestyle-tall {
  grid-row: span 2;
}

.lifestyle-wide {
  grid-column: span 2;
}

.lifestyle-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.lifestyle-card:hover .lifestyle-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.4) 50%);
}

.lifestyle-tag {
  display: inline-block;
  background: rgba(59, 130, 246, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.lifestyle-overlay h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.lifestyle-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0;
  line-height: 1.5;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .lifestyle-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .lifestyle-tall {
    grid-row: span 1;
  }
  .lifestyle-wide {
    grid-column: span 1;
  }
}

@media (max-width: 768px) {
  .lifestyle-grid {
    grid-template-columns: 1fr;
  }
  .lifestyle-card {
    height: 280px;
  }
  .lifestyle-tall {
    height: 350px;
  }
}


/* ===== PRODUCTS HERO ===== */


/* Floating stat cards on products hero image */


/* ===== SHOWCASE GRID ===== */
.showcase-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 400px 200px;
  gap: 1.5rem;
}

.showcase-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.showcase-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.showcase-card:hover img {
  transform: scale(1.05);
}

.showcase-tall {
  grid-row: span 2;
}

.showcase-wide {
  grid-column: span 2;
}

.showcase-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.showcase-card:hover .showcase-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.9) 0%, rgba(0,0,0,0.4) 50%);
}

.showcase-tag {
  display: inline-block;
  background: rgba(59, 130, 246, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.showcase-overlay h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.showcase-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0;
  line-height: 1.5;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .showcase-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .showcase-tall {
    grid-row: span 1;
  }
  .showcase-wide {
    grid-column: span 1;
  }
}

@media (max-width: 768px) {
  .showcase-grid {
    grid-template-columns: 1fr;
  }
  .showcase-card {
    height: 280px;
  }
  .showcase-tall {
    height: 350px;
  }
}


/* ===== SUPPORT HERO ===== */


/* Floating stat cards on support hero image */


/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
}


/* ===== RATES HERO ===== */


/* Floating stat cards on rates hero image */


.page-hero .floating-card.card-1 i {
  background: rgba(16, 185, 129, 0.15);
  color: var(--success);
}


.page-hero .floating-card.card-3 i {
  background: rgba(59, 130, 246, 0.15);
  color: var(--primary-light);
}


/* ===== COMPARISON SECTION ===== */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.comparison-image {
  border-radius: 1.5rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  min-height: 400px;
}

.comparison-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.comparison-content {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.comparison-item {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 1rem;
  align-items: center;
}

.comparison-label {
  color: var(--text-secondary);
  font-size: 0.9rem;
}

.comparison-bar {
  height: 10px;
  background: rgba(255,255,255,0.06);
  border-radius: 5px;
  overflow: hidden;
}

.comparison-fill {
  height: 100%;
  border-radius: 5px;
  transition: width 1s ease;
}

.comparison-rate {
  font-weight: 700;
  font-size: 1rem;
  min-width: 60px;
  text-align: right;
}

.comparison-note {
  margin-top: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--glass-border);
  font-size: 1rem;
  color: var(--text-secondary);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .comparison-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .comparison-image {
    min-height: 280px;
  }
}

@media (max-width: 768px) {
  .comparison-item {
    grid-template-columns: 1fr auto;
    gap: 0.75rem;
  }
  .comparison-bar {
    grid-column: span 2;
  }
}


/* ===== SECURITY HERO ===== */


/* Floating stat cards on security hero image */


/* ===== SECURITY GRID ===== */
.security-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  grid-template-rows: 400px 200px;
  gap: 1.5rem;
}

.security-card {
  position: relative;
  border-radius: 1rem;
  overflow: hidden;
  cursor: pointer;
}

.security-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.security-card:hover img {
  transform: scale(1.05);
}

.security-tall {
  grid-row: span 2;
}

.security-wide {
  grid-column: span 2;
}

.security-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.3) 40%, transparent 60%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.5rem;
  transition: background 0.3s ease;
}

.security-card:hover .security-overlay {
  background: linear-gradient(to top, rgba(0,0,0,0.92) 0%, rgba(0,0,0,0.4) 50%);
}

.security-tag {
  display: inline-block;
  background: rgba(16, 185, 129, 0.9);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 0.4rem;
  margin-bottom: 0.75rem;
  width: fit-content;
}

.security-overlay h4 {
  color: #fff;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
}

.security-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.85rem;
  margin: 0;
  line-height: 1.5;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .page-hero .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
  }
  .page-hero .hero-content h1 {
    font-size: 2.2rem;
  }
  .page-hero .hero-image-card {
    max-width: 350px;
  }
  .page-hero .floating-card {
    display: none;
  }
  .security-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto;
  }
  .security-tall {
    grid-row: span 1;
  }
  .security-wide {
    grid-column: span 1;
  }
}

@media (max-width: 768px) {
  .security-grid {
    grid-template-columns: 1fr;
  }
  .security-card {
    height: 280px;
  }
  .security-tall {
    height: 350px;
  }
}

/* ── Nav Dropdowns ── */
.nav-dropdown {
  position: relative;
}

.nav-drop-trigger {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  background: none;
  border: none;
  cursor: pointer;
  transition: color var(--transition), background var(--transition);
  font-family: inherit;
}

.nav-drop-trigger:hover,
.nav-drop-trigger[aria-expanded="true"] {
  color: var(--text-primary);
  background: var(--glass-bg);
}

.nav-drop-trigger i {
  font-size: 0.7rem;
  transition: transform var(--transition);
}

.nav-drop-trigger[aria-expanded="true"] i {
  transform: rotate(180deg);
}

.nav-drop-panel {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 0;
  min-width: 220px;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: 0.5rem;
  box-shadow: 0 12px 40px rgba(0,0,0,0.15);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 1001;
}

.nav-dropdown:hover .nav-drop-panel,
.nav-drop-trigger[aria-expanded="true"] + .nav-drop-panel {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-drop-panel a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.6rem 0.75rem;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  white-space: nowrap;
}

.nav-drop-panel a:hover {
  color: var(--text-primary);
  background: var(--glass-bg);
}

.nav-drop-panel a i {
  width: 18px;
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-muted);
}

/* ── Nav Actions ── */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.nav-cta {
  white-space: nowrap;
}

/* ── Mobile Menu Styles ── */
.mobile-menu-heading {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  padding: 0.5rem 1rem;
  margin: 1rem 0 0.25rem;
  border-top: 1px solid var(--glass-border);
}

.mobile-menu-heading:first-of-type {
  margin-top: 0;
  border-top: none;
}

.nav-mobile a i {
  width: 24px;
  text-align: center;
  margin-right: 0.5rem;
  color: var(--text-muted);
}

.mobile-actions {
  padding: 1.5rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  border-top: 1px solid var(--glass-border);
  margin-top: 1rem;
}

.mobile-actions .btn-accent,
.mobile-actions .btn-login {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
}

/* Hide desktop actions on mobile */
@media (max-width: 768px) {
  .nav-actions {
    display: none;
  }
}



/* ── Mobile Menu — SCROLLABLE with TOP ACTIONS ── */
.nav-mobile {
  display: none;
  position: fixed;
  top: 0;
  right: 0;
  width: min(340px, 85vw);
  height: 100vh;
  height: 100dvh;              /* dynamic viewport height for mobile */
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  border-left: 1px solid var(--glass-border);
  z-index: 999;
  transform: translateX(100%);
  transition: transform var(--transition-slow);
  flex-direction: column;
  padding: 0;
  overflow-y: auto;            /* ← enables scrolling */
  overflow-x: hidden;
  -webkit-overflow-scrolling: touch;  /* ← smooth iOS scrolling */
  overscroll-behavior: contain;       /* ← prevents body scroll bleed */
}

.nav-mobile.open {
  transform: translateX(0);
}

/* Mobile top actions — sticky at top */
.mobile-top-actions {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  padding: 1.5rem 1.5rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  border-bottom: 1px solid var(--glass-border);
}

.mobile-top-actions .btn-accent,
.mobile-top-actions .btn-login {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
  padding: 0.85rem 1rem;
  font-size: 0.95rem;
}

/* Mobile menu links */
.nav-mobile a {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  border-left: 3px solid transparent;
}

.nav-mobile a:hover {
  color: var(--text-primary);
  background: var(--glass-bg);
  border-left-color: var(--primary);
}

.nav-mobile a i {
  width: 24px;
  text-align: center;
  color: var(--text-muted);
  font-size: 0.9rem;
}

/* Mobile menu headings */
.mobile-menu-heading {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  padding: 0.75rem 1.5rem 0.35rem;
  margin: 0.5rem 0 0;
  border-top: 1px solid var(--glass-border);
}

.mobile-menu-heading:first-of-type {
  margin-top: 0.5rem;
  border-top: none;
}

/* Scrollbar styling for mobile menu */
.nav-mobile::-webkit-scrollbar {
  width: 4px;
}
.nav-mobile::-webkit-scrollbar-track {
  background: transparent;
}
.nav-mobile::-webkit-scrollbar-thumb {
  background: var(--glass-border-strong);
  border-radius: 4px;
}

/* Hide desktop actions on mobile */
@media (max-width: 768px) {
  .nav-actions {
    display: none;
  }
  .nav-mobile {
    display: flex;
  }
}




/* ── Desktop Grouped Menu ── */
.nav-links {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin: 0 auto;
}

.nav-group {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.nav-group-label {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.4rem 0.9rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-secondary);
  cursor: default;
  transition: color var(--transition), background var(--transition);
  letter-spacing: 0.02em;
}

.nav-group:hover .nav-group-label {
  color: var(--text-primary);
  background: var(--glass-bg);
}

.nav-group-links {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  min-width: 200px;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: 0.5rem;
  box-shadow: 0 12px 40px rgba(0,0,0,0.15);
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition);
  z-index: 1001;
}

.nav-group:hover .nav-group-links {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.nav-group-links a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.55rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  white-space: nowrap;
}

.nav-group-links a:hover {
  color: var(--text-primary);
  background: var(--glass-bg);
}

/* ── Nav Actions (Desktop) ── */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

.nav-cta {
  white-space: nowrap;
}

/* ── Mobile Menu — SCROLLABLE with TOP ACTIONS pushed down ── */
.nav-mobile {
  display: none;
  position: fixed;
  top: 0;
  right: 0;
  width: min(340px, 85vw);
  height: 100vh;
  height: 100dvh;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(30px);
  -webkit-backdrop-filter: blur(30px);
  border-left: 1px solid var(--glass-border);
  z-index: 999;
  transform: translateX(100%);
  transition: transform var(--transition-slow);
  flex-direction: column;
  padding: 0;
  overflow-y: auto;
  overflow-x: hidden;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
}

.nav-mobile.open {
  transform: translateX(0);
}

/* Mobile top actions — pushed below nav height to avoid logo overlap */
.mobile-top-actions {
  padding: calc(var(--nav-h) + 1.5rem) 1.5rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  border-bottom: 1px solid var(--glass-border);
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
}

.mobile-top-actions .btn-accent,
.mobile-top-actions .btn-login {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  width: 100%;
  padding: 0.85rem 1rem;
  font-size: 0.95rem;
}

/* Mobile menu links */
.nav-mobile a {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: all var(--transition);
  border-left: 3px solid transparent;
}

.nav-mobile a:hover {
  color: var(--text-primary);
  background: var(--glass-bg);
  border-left-color: var(--primary);
}

.nav-mobile a i {
  width: 24px;
  text-align: center;
  color: var(--text-muted);
  font-size: 0.9rem;
}

/* Mobile menu headings */
.mobile-menu-heading {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  padding: 0.75rem 1.5rem 0.35rem;
  margin: 0.5rem 0 0;
  border-top: 1px solid var(--glass-border);
}

.mobile-menu-heading:first-of-type {
  margin-top: 0.5rem;
  border-top: none;
}

/* Scrollbar styling */
.nav-mobile::-webkit-scrollbar {
  width: 4px;
}
.nav-mobile::-webkit-scrollbar-track {
  background: transparent;
}
.nav-mobile::-webkit-scrollbar-thumb {
  background: var(--glass-border-strong);
  border-radius: 4px;
}

/* Hide desktop on mobile */
@media (max-width: 768px) {
  .nav-links { display: none; }
  .nav-actions { display: none; }
  .nav-mobile { display: flex; }
}


/* ════════════════════════════════════════════════════════════
   LEGAL PAGES — Responsive Layout (Terms & Privacy)
   ════════════════════════════════════════════════════════════ */

/* ── Layout ── */
.legal-page .section-inner {
  max-width: 1000px;
}

.legal-layout {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 3rem;
  align-items: start;
}

/* ── Sidebar Nav ── */
.legal-nav {
  position: sticky;
  top: calc(var(--nav-h) + 2rem);
}

.legal-nav-toggle {
  display: none; /* hidden on desktop */
  width: 100%;
  padding: 0.75rem 1rem;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-primary);
  cursor: pointer;
  align-items: center;
  justify-content: space-between;
  transition: all var(--transition);
}

.legal-nav-toggle:hover {
  background: var(--glass-bg-hover);
}

.legal-nav-toggle i {
  transition: transform var(--transition);
  font-size: 0.8rem;
  color: var(--text-muted);
}

.legal-nav-toggle[aria-expanded="true"] i {
  transform: rotate(180deg);
}

.legal-nav-links {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.legal-nav-links a {
  display: block;
  padding: 0.45rem 0.75rem;
  font-size: 0.825rem;
  color: var(--text-muted);
  border-left: 2px solid transparent;
  transition: all var(--transition);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}

.legal-nav-links a:hover,
.legal-nav-links a.active {
  color: var(--primary-light);
  border-left-color: var(--primary);
  background: var(--glass-bg);
}

/* ── Content ── */
.legal-wrap {
  min-width: 0; /* prevents overflow in grid */
}

.legal-section {
  margin-bottom: 3rem;
  scroll-margin-top: calc(var(--nav-h) + 1.5rem);
}

.legal-section:last-child {
  margin-bottom: 0;
}

.legal-section h2 {
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--text-primary);
}

.legal-section p,
.legal-section li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 0.75rem;
}

.legal-section ul {
  padding-left: 1.25rem;
  list-style: disc;
  margin-bottom: 1rem;
}

.legal-section ul li {
  margin-bottom: 0.4rem;
}

/* ── Mobile: Collapsible sidebar + stacked layout ── */
@media (max-width: 768px) {
  .legal-layout {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .legal-nav {
    position: static;
    top: auto;
  }

  .legal-nav-toggle {
    display: flex; /* show toggle button */
  }

  .legal-nav-links {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.35s ease;
    padding: 0 0.5rem;
    gap: 0;
  }

  .legal-nav-links.open {
    max-height: 500px;
    padding: 0.5rem;
    gap: 0.15rem;
  }

  .legal-nav-links a {
    padding: 0.65rem 0.75rem;
    font-size: 0.9rem;
    min-height: 44px; /* touch target */
    display: flex;
    align-items: center;
  }

  .legal-section {
    scroll-margin-top: calc(var(--nav-h) + 0.5rem);
  }

  .legal-section h2 {
    font-size: 1.15rem;
  }

  .legal-section p,
  .legal-section li {
    font-size: 0.875rem;
    line-height: 1.75;
  }
}

/* ── Tablet: narrower sidebar ── */
@media (max-width: 1024px) and (min-width: 769px) {
  .legal-layout {
    grid-template-columns: 200px 1fr;
    gap: 2rem;
  }
}



/* ════════════════════════════════════════════════════════════
   ICON VISIBILITY FIX
   ════════════════════════════════════════════════════════════ */

/* Product card icons: add dark overlay behind white icons */
.product-card .card-icon {
  position: relative;
  overflow: hidden;
}

.product-card .card-icon::before {
  content: '';
  position: absolute;
  inset: 0;

  background: linear-gradient(135deg, var(--primary), #9b2226);

  z-index: 1;
  border-radius: inherit;
}

.product-card .card-icon i {
  position: relative;
  z-index: 2;
}

/* Floating card icons: text shadow for depth */
.floating-card i {
  text-shadow: 0 1px 3px rgba(0,0,0,0.25);
}

/* Button icons: subtle shadow */
.btn-primary i,
.btn-accent i {
  text-shadow: 0 1px 2px rgba(0,0,0,0.2);
}

/* Trust badges: dark icons on light background */
.badge i {
  color: var(--text-primary) !important;
}



/* ════════════════════════════════════════════════════════════
   LOGIN & REGISTER PAGES — Compact Hero + Full-Width Mobile
   ════════════════════════════════════════════════════════════ */

/* ── Compact Hero ── */
.compact-hero {
  padding: 2rem 1.5rem 1rem !important;
  min-height: auto !important;
}

.compact-hero .section-inner {
  text-align: center;
}

.compact-hero .section-eyebrow {
  margin-bottom: 0.5rem;
  font-size: 0.7rem;
}

.compact-hero h1 {
  font-size: clamp(1.5rem, 4vw, 2.2rem) !important;
  margin-bottom: 0 !important;
  line-height: 1.2 !important;
}

/* ── Form Section ── */
.form-section {
  padding-top: 0 !important;
  padding-bottom: 3rem;
}



/* ── Login Card ── */
.login-card {
  padding: 2rem;
}

.register-card {
  padding: 2rem;
  max-width: 520px;
  margin: 0 auto;
}

.login-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  margin-bottom: 1.5rem;
}

.login-logo .logo-mark {
  width: 40px;
  height: 40px;
  background: black;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  color: #fff;
  font-size: 1.1rem;
}

.login-logo .logo-text {
  font-size: 1.2rem;
  font-weight: 700;
}

.login-logo .logo-text span {
  color: var(--primary-light);
}

/* ── Form Elements ── */
.glass-form {
  padding: 0;
}

.form-group {
  margin-bottom: 1.25rem;
}

.form-label {
  display: block;
  font-size: 0.825rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 0.4rem;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1rem;
  background: rgba(0,0,0,0.03);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-size: 1rem;
  transition: all var(--transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--primary);
  background: rgba(193,18,31,0.05);
  box-shadow: 0 0 0 3px var(--primary-glow);
}

.form-control::placeholder {
  color: var(--text-muted);
}

.forgot-link {
  font-size: 0.78rem;
  color: var(--primary-light);
  float: right;
  margin-top: 0.35rem;
}

/* Remember me */
.remember-group {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.remember-check {
  width: 16px;
  height: 16px;
  accent-color: var(--primary);
  flex-shrink: 0;
}

.remember-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  cursor: pointer;
}

/* Submit button */
.submit-btn {
  width: 100%;
  margin-top: 1rem;
  padding: 0.9rem;
  justify-content: center;
  font-size: 1rem;
}

/* Security notice */
.security-notice {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  background: rgba(42,157,143,0.05);
  border: 1px solid rgba(42,157,143,0.12);
  font-size: 0.78rem;
  color: var(--success);
  margin-top: 1.5rem;
}

.security-notice i {
  font-size: 0.9rem;
  flex-shrink: 0;
}

/* Form footer */
.form-footer {
  text-align: center;
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--glass-border);
}

.form-footer p {
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 0.75rem;
}

.form-footer .btn-accent,
.form-footer .btn-login {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

/* ── Account Type Grid (Register) ── */
.account-type-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

.account-type-option {
  padding: 1rem;
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-align: center;
  transition: all var(--transition);
  background: var(--glass-bg);
  position: relative;
}

.account-type-option:hover {
  border-color: var(--primary);
  background: var(--glass-bg-hover);
}

.account-type-option input[type="radio"] {
  position: absolute;
  opacity: 0;
}

.account-type-option:has(input:checked) {
  border-color: var(--primary);
  background: rgba(193,18,31,0.06);
}

.account-type-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  pointer-events: none;
}

.account-type-content i {
  font-size: 1.25rem;
  color: var(--primary-light);
}

.account-type-content span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-primary);
}

/* Name row */
.name-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

/* Terms */
.terms-group {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  margin-top: 0.5rem;
}

.terms-check {
  width: 16px;
  height: 16px;
  accent-color: var(--primary);
  margin-top: 0.2rem;
  flex-shrink: 0;
}

.terms-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  cursor: pointer;
  line-height: 1.5;
}

.terms-label a {
  color: var(--primary-light);
}

/* Hint text */
.form-hint {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 0.35rem;
}

/* Why section */
.why-section {
  background: var(--bg-surface);
  padding-top: 4rem;
}

/* ════════════════════════════════════════════════════════════
   MOBILE: Full-width forms, edge-to-edge
   ════════════════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .compact-hero {
    padding: 1.5rem 1rem 0.5rem !important;
  }

  .compact-hero h1 {
    font-size: 1.5rem !important;
  }

  .form-section {
    padding: 0 !important;
  }

  .form-section .section-inner {
    max-width: 100%;
    padding: 0;
  }

  .login-wrap {
    padding: 0;
  }

  .login-card,
  .register-card {
    border-radius: 0;
    border-left: none;
    border-right: none;
    padding: 1.5rem 1rem;
    max-width: 100%;
  }

  .glass-card {
    border-radius: 0;
  }

  .form-control {
    padding: 0.9rem 1rem;
    font-size: 16px; /* prevents iOS zoom */
  }

  .submit-btn {
    padding: 1rem;
    font-size: 1rem;
  }

  .account-type-grid {
    gap: 0.5rem;
  }

  .account-type-option {
    padding: 0.85rem;
  }

  .name-row {
    gap: 0.75rem;
  }

  .form-footer {
    padding: 1.25rem 0 0;
  }

  .form-footer .btn-accent,
  .form-footer .btn-login {
    width: 100%;
    justify-content: center;
  }
}

/* Small phones */
@media (max-width: 480px) {
  .compact-hero h1 {
    font-size: 1.35rem !important;
  }

  .login-logo .logo-mark {
    width: 36px;
    height: 36px;
    font-size: 1rem;
  }

  .login-logo .logo-text {
    font-size: 1.1rem;
  }

  .name-row {
    grid-template-columns: 1fr;
  }
}


/* ════════════════════════════════════════════════════════════
   REGISTER PAGE — Wider Desktop Form
   ════════════════════════════════════════════════════════════ */

/* Wider form container for register page */
.register-page .form-section .section-inner {
  max-width: 640px;
}

.register-page .register-card {
  max-width: 640px;
  padding: 2.5rem;
}

/* Keep login at 480px */
.login-page .form-section .section-inner {
  max-width: 480px;
}




/* Force mobile layout */
@media (max-width: 768px) {
  .nav-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0.75rem 1rem;
  }
  
  /* Logo on left */
  .nav-logo {
    order: 1;
    margin-right: auto;
  }
  
  /* Hamburger on right */
  .nav-hamburger {
    order: 3;
    display: flex !important;
    margin-left: 0.5rem;
  }
  
  /* Hide all desktop buttons */
  .nav-actions {
    display: none !important;
  }
  
  /* Hide desktop menu links */
  .nav-links {
    display: none !important;
  }
}


/* ============================================
   WHY CATHAY SECTION — FIXED LAYOUT
   ============================================ */

.why-cathay .section-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.why-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 4rem;
  align-items: flex-start;
}

.why-features {
  flex: 1 1 500px;
  min-width: 300px;
}

.why-image-wrap {
  flex: 1 1 400px;
  min-width: 300px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.why-image {
  width: 100%;
  border-radius: 1.25rem;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0,0,0,0.15);
}

.why-image img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
}

/* Feature list styling */
.feature-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.feature-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--accent, #e63946);
  color: #fff;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.feature-item h4 {
  margin: 0 0 0.35rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-primary, #1a1a2e);
}

.feature-item p {
  margin: 0;
  color: var(--text-secondary, #6b7280);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Mobile: stack vertically */
@media (max-width: 768px) {
  .why-grid {
    flex-direction: column;
    gap: 2.5rem;
  }
  
  .why-features,
  .why-image-wrap {
    flex: 1 1 100%;
    min-width: auto;
  }
  
  .why-image-wrap {
    order: -1; /* Image on top on mobile */
  }
}


/* ============================================
   WHAT'S INCLUDED SECTION
   ============================================ */

.whats-included .section-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.included-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 4rem;
  align-items: flex-start;
  margin-top: 1.5rem;
}

.included-features {
  flex: 1 1 520px;
  min-width: 300px;
}

.included-card-wrap {
  flex: 0 1 420px;
  min-width: 300px;
  position: sticky;
  top: 6rem;
  align-self: flex-start;
}

/* Glass card */
.glass-card {
  padding: 2.5rem;
  background: var(--glass-bg, rgba(255,255,255,0.05));
  border: 1px solid var(--glass-border, rgba(255,255,255,0.1));
  border-radius: var(--radius-lg, 1.25rem);
  backdrop-filter: blur(12px);
}

.glass-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--text-primary);
}

.apy-display {
  font-size: 4rem;
  font-weight: 900;
  letter-spacing: -0.05em;
  background: linear-gradient(135deg, var(--primary-light, #4cc9f0), var(--accent, #e63946));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}

.apy-label {
  color: var(--text-muted, #8892b0);
  font-size: 0.85rem;
  margin-bottom: 1.5rem;
}

/* Perks grid */
.perks-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.perk-cell {
  text-align: center;
  padding: 1rem;
  background: var(--glass-bg, rgba(255,255,255,0.05));
  border: 1px solid var(--glass-border, rgba(255,255,255,0.1));
  border-radius: var(--radius-sm, 0.5rem);
}

.perk-val {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--text-primary);
}

.perk-lbl {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.glass-card .btn-primary {
  width: 100%;
  justify-content: center;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

/* Feature list (reuses .feature-item from Why Cathay) */
.included-features .feature-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}

.included-features .feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.included-features .feature-item h4 {
  margin: 0 0 0.35rem 0;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text-primary);
}

.included-features .feature-item p {
  margin: 0;
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

/* Mobile */
@media (max-width: 768px) {
  .included-grid {
    flex-direction: column;
    gap: 2.5rem;
  }

  .included-features,
  .included-card-wrap {
    flex: 1 1 100%;
    min-width: auto;
    position: static;
  }

  .apy-display {
    font-size: 3rem;
  }
}



/* ============================================
   RATES PAGE STYLES
   ============================================ */

.rates-container {
    max-width: 760px;
    margin: 0 auto;
}

.rate-note {
    font-size: 0.75rem;
    color: var(--text-muted);
}

.rate-value-block {
    text-align: right;
}

/* Forex Grid */
.forex-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 3rem;
    align-items: flex-start;
}

.forex-converter {
    flex: 1 1 480px;
    min-width: 300px;
}

.forex-rates {
    flex: 1 1 400px;
    min-width: 300px;
}

/* Forex Card */
#forex-calc {
    padding: 2rem;
}

.card-title {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    color: var(--text-primary);
}

.card-title i {
    color: var(--primary-light);
    margin-right: 0.5rem;
}

.fx-pair-select {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    gap: 0.75rem;
    align-items: end;
    margin-bottom: 1rem;
}

.fx-swap-btn {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1px solid var(--glass-border);
    background: var(--glass-bg);
    color: var(--text-secondary);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.2s ease;
    margin-bottom: 0.5rem;
}

.fx-swap-btn:hover {
    background: var(--primary-light);
    color: #fff;
    transform: rotate(180deg);
}

.fx-result-box {
    text-align: center;
    padding: 1.5rem;
    background: rgba(59, 130, 246, 0.06);
    border: 1px solid rgba(59, 130, 246, 0.2);
    border-radius: var(--radius-md);
    margin-top: 0.5rem;
}

.fx-result-label {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-bottom: 0.4rem;
}

.fx-result-value {
    font-size: 2rem;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--primary-light);
    line-height: 1.2;
}

.fx-result-rate {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 0.5rem;
}

.fx-disclaimer {
    font-size: 0.72rem;
    color: var(--text-muted);
    margin-top: 0.75rem;
    margin-bottom: 0;
}

/* Rates heading */
.rates-heading {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 1rem;
    color: var(--text-secondary);
}

.rates-list {
    margin-bottom: 0.75rem;
}

.rates-list .rate-row {
    margin-bottom: 0.5rem;
}

.rates-timestamp {
    font-size: 0.75rem;
    color: var(--text-muted);
}

/* Mobile */
@media (max-width: 768px) {
    .forex-grid {
        flex-direction: column;
        gap: 2rem;
    }
    
    .forex-converter,
    .forex-rates {
        flex: 1 1 100%;
        min-width: auto;
    }
    
    .fx-result-value {
        font-size: 1.5rem;
    }
}