/* 
* Nova FinTech Theme
* Design Principles: Minimalist, Airy, Sophisticated
*/

:root {
    --color-heavy: #162C48;
    /* Structural weight */
    --color-primary: #1E3A5F;
    /* Primary text/interaction */
    --color-accent: #3B7EA1;
    /* Subtlety/Icons */
    --color-bg-soft: #E3F2FD;
    /* Floating background */
    --color-white: #ffffff;
    --color-text-muted: #64748b;

    --font-primary: 'Manrope', sans-serif;
    --font-secondary: 'DM Sans', sans-serif;

    --shadow-card: 0 10px 40px -10px rgba(22, 44, 72, 0.1);
    --shadow-hover: 0 20px 60px -15px rgba(22, 44, 72, 0.15);

    --radius-lg: 12px;
    --radius-full: 999px;

    --spacing-section: 120px;
}

/* Global Reset & Typography */
body {
    font-family: var(--font-secondary);
    color: var(--color-primary);
    background-color: var(--color-bg-soft);
    line-height: 1.6;
    overflow-x: hidden;
    position: relative;
    z-index: 1;
    /* Below mobile menu overlay */
}

/* Main page content sections */
main,
section,
.hero-section,
.section-padding {
    position: relative;
    z-index: 1;
    /* Below mobile menu (9999) and overlay (9991) */
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: var(--font-primary);
    color: var(--color-heavy);
    font-weight: 700;
    letter-spacing: -0.02em;
    margin-bottom: 1rem;
}

p {
    color: var(--color-text-muted);
}

a {
    text-decoration: none;
    transition: all 0.3s ease;
}

/* Utility Classes */
.bg-soft {
    background-color: var(--color-bg-soft);
}

.bg-white {
    background-color: var(--color-white);
}

.text-heavy {
    color: var(--color-heavy);
}

.text-primary {
    color: var(--color-primary);
}

.text-accent {
    color: var(--color-accent);
}

.box-shadow {
    box-shadow: var(--shadow-card);
}

/* Buttons */
.btn-fintech {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 16px 32px;
    background-color: var(--color-primary);
    color: var(--color-white);
    border-radius: 8px;
    /* Slightly rounded, professional */
    font-weight: 600;
    border: none;
    transition: all 0.3s ease;
    gap: 10px;
}

.btn-fintech:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px rgba(30, 58, 95, 0.2);
    color: var(--color-white);
}

.btn-fintech-outline {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 30px;
    background-color: transparent;
    color: var(--color-primary);
    border: 2px solid var(--color-primary);
    border-radius: 8px;
    font-weight: 600;
    transition: all 0.3s ease;
    gap: 10px;
}

.btn-fintech-outline:hover {
    background-color: var(--color-primary);
    color: var(--color-white);
    transform: translateY(-2px);
}

/* Card Component (Glassmorphism/Elevated) */
.fintech-card {
    background: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid rgba(59, 126, 161, 0.1);
    /* Subtle border */
    padding: 40px;
    height: 100%;
    transition: all 0.3s ease;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-card);
}

.fintech-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-hover);
    border-color: rgba(59, 126, 161, 0.3);
}

.card-icon {
    width: 64px;
    height: 64px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 16px;
    background-color: rgba(227, 242, 253, 0.5);
    color: var(--color-accent);
    font-size: 24px;
    margin-bottom: 24px;
    transition: all 0.3s ease;
}

.fintech-card:hover .card-icon {
    background-color: var(--color-primary);
    color: #e3f2fd;
    transform: rotateY(180deg);
}

.fintech-card:hover .card-icon i {
    transform: rotateY(-180deg);
    color: #e3f2fd !important;
}

/* Sections */
.section-padding {
    padding: var(--spacing-section) 0;
}

/* Custom Hero Slider (Vanilla JS) */
.hero-slider-container {
    position: relative;
    width: 100%;
    height: 700px;
    /* Fixed height as requested */
    overflow: hidden;
    background: var(--color-bg-soft);
}

.slider-wrapper {
    display: flex;
    width: 100%;
    height: 100%;
    transition: transform 600ms ease-in-out;
}

.slide {
    min-width: 100%;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

/* Overlay */
.slide::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(22, 44, 72, 0.4);
    /* #162C48 at 40% opacity */
    z-index: 1;
}

.slide .container {
    position: relative;
    z-index: 2;
    /* Text above overlay */
}

/* Slider Controls */
.slider-controls {
    position: absolute;
    top: 50%;
    width: 100%;
    display: flex;
    justify-content: space-between;
    padding: 0 40px;
    transform: translateY(-50%);
    z-index: 3;
    pointer-events: none;
    /* Let clicks pass through if not on button */
}

.slider-btn {
    pointer-events: auto;
    width: 50px;
    height: 50px;
    border: none;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.2);
    backdrop-filter: blur(5px);
    color: var(--color-white);
    font-size: 1.2rem;
    cursor: pointer;
    transition: all 0.3s ease;
    display: flex;
    align-items: center;
    justify-content: center;
}

.slider-btn:hover {
    background: var(--color-primary);
    color: var(--color-white);
}

/* Pagination Dots */
.slider-pagination {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 12px;
    z-index: 3;
}

.slider-dot {
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background-color: var(--color-accent);
    /* #3B7EA1 - inactive */
    border: 2px solid transparent;
    /* Increase click area visual or border */
    cursor: pointer;
    transition: all 0.3s ease;
}

.slider-dot.active {
    background-color: var(--color-bg-soft);
    /* #E3F2FD - active */
    transform: scale(1.3);
    border-color: var(--color-primary);
}

/* Hero Typography Overrides for Slider */
.hero-title {
    font-size: 4rem;
    line-height: 1.1;
    margin-bottom: 24px;
    color: var(--color-white);
    /* White text on dark overlay */
    text-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}

.hero-subtitle {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 40px;
    max-width: 600px;
}

/* Stats/Facts */
.stat-box {
    text-align: center;
    padding: 30px;
}

.stat-number {
    font-size: 3rem;
    font-weight: 800;
    color: var(--color-accent);
    margin-bottom: 10px;
    font-family: var(--font-primary);
}

.stat-label {
    font-size: 1rem;
    font-weight: 600;
    color: var(--color-primary);
    text-transform: uppercase;
    letter-spacing: 1px;
}

/* Modern Gradient Text */
.text-gradient {
    background: linear-gradient(135deg, var(--color-heavy), var(--color-accent));
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

/* Badge */
.badge-fintech {
    display: inline-flex;
    align-items: center;
    padding: 8px 16px;
    background-color: rgba(59, 126, 161, 0.1);
    color: var(--color-accent);
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 0.875rem;
    margin-bottom: 24px;
}

/* Feature List */
.feature-list-item {
    display: flex;
    align-items: flex-start;
    margin-bottom: 20px;
}

.feature-list-icon {
    flex-shrink: 0;
    width: 24px;
    height: 24px;
    background-color: rgba(59, 126, 161, 0.1);
    border-radius: 50%;
    color: var(--color-accent);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 15px;
    font-size: 12px;
}

/* Professional Images */
.img-professional {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    transition: all 0.3s ease;
}

.img-professional:hover {
    box-shadow: var(--shadow-hover);
    transform: translateY(-5px);
}

/* About Value Grid */
.value-grid-item {
    background: rgba(227, 242, 253, 0.3);
    /* very light tint */
    border-radius: 8px;
    padding: 20px;
    text-align: center;
    transition: all 0.3s ease;
}

.value-grid-item:hover {
    background: rgba(227, 242, 253, 0.8);
    transform: translateY(-3px);
}

.value-icon {
    color: var(--color-accent);
    font-size: 24px;
    margin-bottom: 10px;
}

.value-title {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--color-heavy);
    margin: 0;
}

/* Micro-Interaction: Entrance */
.scroll-reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: all 0.8s ease-out;
}

.scroll-reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

/* =========================================
   STICKY & GLASS HEADER STYLES
   ========================================= */
.premium-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    transition: all 0.4s ease;
}

/* Header Top Bar (Utility) */
.header-top-bar {
    background-color: var(--color-heavy);
    /* #162C48 */
    color: var(--color-white);
    padding: 8px 0;
    font-size: 0.85rem;
}

.header-top-bar a {
    color: rgba(255, 255, 255, 0.8);
    transition: color 0.3s ease;
}

.header-top-bar a:hover {
    color: var(--color-white);
}

/* Main Nav */
.header-main-nav {
    padding: 15px 0;
}

.header-nav-link {
    font-family: var(--font-primary);
    font-weight: 600;
    color: var(--color-primary);
    /* #1E3A5F */
    margin: 0 15px;
    position: relative;
    padding-bottom: 5px;
}

.header-nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0%;
    height: 2px;
    background-color: var(--color-accent);
    /* #3B7EA1 */
    transition: width 0.3s ease;
}

.header-nav-link:hover {
    color: var(--color-heavy);
}

.header-nav-link:hover::after {
    width: 100%;
}

/* Mobile Hamburger */
.mobile-toggler {
    color: var(--color-heavy);
    font-size: 1.5rem;
    cursor: pointer;
    border: none;
    background: transparent;
    display: none;
    /* hidden on desktop */
}

/* =========================================
   PREMIUM FOOTER STYLES
   ========================================= */
.premium-footer {
    background-color: var(--color-heavy);
    /* #162C48 */
    color: var(--color-white);
    padding-top: 80px;
    position: relative;
    border-top: 5px solid var(--color-accent);
    /* Stylistic separation */
}

.footer-logo img {
    height: 50px;
    margin-bottom: 24px;
    filter: brightness(0) invert(1);
    /* Ensure logo is white */
}

.footer-desc {
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.8;
    margin-bottom: 30px;
}

.footer-heading {
    color: var(--color-white);
    font-size: 1.1rem;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 12px;
}

.footer-heading::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 2px;
    background-color: var(--color-accent);
}

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

.footer-links li {
    margin-bottom: 12px;
}

.footer-links a {
    color: rgba(255, 255, 255, 0.7);
    transition: all 0.3s ease;
}

.footer-links a:hover {
    color: var(--color-bg-soft);
    /* #E3F2FD */
    padding-left: 5px;
    /* Subtle movement */
}

/* Social Icons */
.social-icon-circle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background-color: rgba(59, 126, 161, 0.2);
    /* #3B7EA1 tint */
    color: var(--color-accent);
    margin-right: 10px;
    transition: all 0.3s ease;
}

.social-icon-circle:hover {
    background-color: var(--color-accent);
    color: var(--color-white);
    transform: translateY(-3px);
}

/* Footer Bottom Bar */
.footer-bottom-bar {
    background-color: rgba(0, 0, 0, 0.2);
    /* Darker strip */
    padding: 24px 0;
    margin-top: 60px;
    font-size: 0.9rem;
    color: rgba(255, 255, 255, 0.5);
}

.footer-bottom-link {
    color: rgba(255, 255, 255, 0.5);
    margin-left: 20px;
    transition: color 0.3s ease;
}

.footer-bottom-link:hover {
    color: var(--color-white);
}

/* Mobile Responsiveness */
@media (max-width: 991px) {
    .hero-slider-container {
        height: 600px;
    }

    .section-padding {
        padding: 80px 0;
    }

    .hero-title {
        font-size: 3rem;
    }

    .mobile-toggler {
        display: block;
    }

    .desktop-nav {
        display: none;
    }

    /* Hide desktop nav on mobile */
}

@media (max-width: 768px) {
    .hero-slider-container {
        height: 500px;
    }

    .section-padding {
        padding: 60px 0;
    }

    .hero-title {
        font-size: 2.5rem;
    }

    .slider-controls {
        padding: 0 10px;
    }
}

/* =========================================
   COMMAND CENTER HEADER STYLES
   ========================================= */

/* Utility Bar (Top Strip) */
.utility-bar {
    background-color: var(--color-heavy);
    /* #162C48 */
    color: var(--color-white);
    padding: 10px 0;
    font-size: 0.875rem;
    border-bottom: 1px solid rgba(59, 126, 161, 0.2);
}

.utility-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 15px;
}

.utility-left {
    display: flex;
    align-items: center;
    gap: 20px;
}

.utility-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255, 255, 255, 0.9);
}

.utility-item i {
    color: var(--color-accent);
}

.utility-right {
    display: flex;
    align-items: center;
    gap: 15px;
}

.utility-link {
    color: rgba(255, 255, 255, 0.85);
    text-decoration: none;
    transition: color 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.utility-link:hover {
    color: var(--color-white);
}

.utility-link-bold {
    font-weight: 600;
}

.utility-divider {
    color: rgba(255, 255, 255, 0.3);
}

/* Main Navigation */
.command-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background: var(--color-white);
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.08);
    transition: all 0.3s ease;
}

.main-navigation {
    background: var(--color-white);
    padding: 0;
}

.nav-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 0;
    gap: 30px;
}

/* Logo Section */
.nav-logo-section {
    display: flex;
    align-items: center;
    gap: 30px;
}

.brand-logo img {
    height: 55px;
    transition: transform 0.3s ease;
}

.brand-logo:hover img {
    transform: scale(1.05);
}

/* Premium Custom Banking Selector */
.banking-selector {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 16px;
    background: var(--color-bg-soft);
    /* #E3F2FD */
    border-radius: 8px;
    border: 1px solid var(--color-accent);
    /* #3B7EA1 */
    transition: all 0.3s ease;
}

.banking-selector:hover {
    border-color: var(--color-primary);
    box-shadow: 0 4px 12px rgba(59, 126, 161, 0.15);
}

.selector-icon {
    color: var(--color-accent);
    font-size: 1.2rem;
    flex-shrink: 0;
}

/* Custom Select Wrapper */
.custom-select-wrapper {
    position: relative;
    min-width: 180px;
}

.selector-label {
    display: block;
    font-size: 0.7rem;
    color: var(--color-text-muted);
    margin: 0 0 4px 0;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}

/* Select Trigger (Main Display) */
.custom-select-trigger {
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    user-select: none;
    gap: 10px;
}

.selected-value {
    color: var(--color-primary);
    font-weight: 700;
    font-size: 0.95rem;
    white-space: nowrap;
}

.chevron-icon {
    color: var(--color-accent);
    font-size: 0.75rem;
    transition: transform 0.3s ease;
}

.custom-select-wrapper.is-open .chevron-icon {
    transform: rotate(180deg);
}

/* Dropdown Options List */
.custom-select-options {
    position: absolute;
    top: calc(100% + 8px);
    left: -16px;
    right: -16px;
    background: var(--color-heavy);
    /* #162C48 */
    border-radius: 8px;
    list-style: none;
    margin: 0;
    padding: 8px 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.25);
    z-index: 1000;
    max-height: 250px;
    overflow-y: auto;
}

.custom-select-wrapper.is-open .custom-select-options {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

/* Individual Options */
.select-option {
    padding: 12px 20px;
    color: var(--color-bg-soft);
    /* #E3F2FD */
    font-size: 0.9rem;
    cursor: pointer;
    transition: all 0.25s ease;
    font-weight: 500;
}

.select-option:hover {
    background: var(--color-primary);
    /* #1E3A5F */
    color: var(--color-white);
    padding-left: 26px;
}

.select-option.active {
    background: rgba(59, 126, 161, 0.2);
    color: var(--color-white);
    font-weight: 700;
}

.select-option.active::before {
    content: '\f00c';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    margin-right: 10px;
    color: var(--color-accent);
}

/* Navigation Menu */
.nav-menu-section {
    display: flex;
    align-items: center;
    gap: 20px;
}

.mobile-nav-toggler {
    display: none;
    font-size: 1.5rem;
    color: var(--color-heavy);
    cursor: pointer;
    background: none;
    border: none;
    padding: 8px;
}

.primary-menu {
    display: flex;
    align-items: center;
    gap: 5px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.menu-item {
    position: relative;
}

.menu-item>a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 12px 18px;
    color: var(--color-primary);
    font-weight: 600;
    font-size: 0.95rem;
    text-decoration: none;
    transition: all 0.3s ease;
    position: relative;
    white-space: nowrap;
}

/* Underline animation — only for non-dropdown items */
.menu-item:not(.menu-item-has-children)>a::after {
    content: '';
    position: absolute;
    bottom: 8px;
    left: 18px;
    width: 0;
    height: 2px;
    background: var(--color-accent);
    transition: width 0.3s ease;
}

.menu-item>a:hover {
    color: var(--color-heavy);
}

.menu-item:not(.menu-item-has-children)>a:hover::after {
    width: calc(100% - 36px);
}

/* Dropdown chevron — rendered AFTER the text via ::after */
.menu-item-has-children>a::after {
    content: '\f107';
    font-family: 'Font Awesome 5 Free';
    font-weight: 900;
    font-size: 0.72rem;
    position: static;
    width: auto;
    height: auto;
    background: none;
    transition: transform 0.3s ease;
    display: inline-block;
    line-height: 1;
}

.menu-item-has-children:hover>a::after {
    transform: rotate(180deg);
    width: auto;
}

.sub-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 240px;
    background: var(--color-primary);
    /* #1E3A5F */
    border-radius: 8px;
    padding: 12px 0;
    list-style: none;
    margin: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all 0.3s ease;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.15);
}

.menu-item-has-children:hover .sub-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.sub-menu li {
    margin: 0;
}

.sub-menu a {
    display: block;
    padding: 10px 24px;
    color: var(--color-bg-soft);
    /* #E3F2FD */
    font-size: 0.9rem;
    text-decoration: none;
    transition: all 0.3s ease;
}

.sub-menu a:hover {
    background: rgba(227, 242, 253, 0.1);
    padding-left: 30px;
    color: var(--color-white);
}

/* CTA Button */
.menu-item-cta a {
    background: linear-gradient(135deg, var(--color-primary), var(--color-heavy));
    color: var(--color-white) !important;
    border-radius: 8px;
    padding: 12px 24px !important;
    font-weight: 700;
}

.menu-item-cta a::after {
    display: none;
}

.menu-item-cta a:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(30, 58, 95, 0.3);
}

/* Active Page State */
.menu-item.current-page>a {
    color: var(--color-accent);
}

.menu-item.current-page>a::after {
    width: calc(100% - 36px);
}

/* =========================================
   TRUST FOUNDATION FOOTER STYLES
   ========================================= */

.trust-footer {
    background-color: var(--color-heavy);
    /* #162C48 */
    color: var(--color-white);
    position: relative;
}

.footer-main {
    padding: 80px 0 60px;
}

/* Brand Column */
.footer-brand {
    padding-right: 30px;
}

.footer-logo {
    display: inline-block;
    margin-bottom: 24px;
}

.footer-logo img {
    height: 50px;
    filter: brightness(0) invert(1);
}

.footer-about {
    color: rgba(227, 242, 253, 0.8);
    line-height: 1.8;
    margin-bottom: 30px;
    font-size: 0.95rem;
}

/* Social Icons */
.footer-social {
    display: flex;
    gap: 12px;
}

.social-icon {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: rgba(59, 126, 161, 0.2);
    color: var(--color-accent);
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: all 0.3s ease;
    font-size: 0.95rem;
}

.social-icon:hover {
    background: var(--color-accent);
    color: var(--color-white);
    transform: translateY(-4px);
}

/* Footer Columns */
.footer-column {
    margin-bottom: 30px;
}

.footer-heading {
    color: var(--color-white);
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 12px;
}

.footer-heading::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 3px;
    background: var(--color-accent);
    border-radius: 2px;
}

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

.footer-list li {
    margin-bottom: 12px;
}

.footer-list a {
    color: rgba(227, 242, 253, 0.75);
    text-decoration: none;
    font-size: 0.9rem;
    transition: all 0.3s ease;
    display: inline-block;
}

.footer-list a:hover {
    color: var(--color-bg-soft);
    padding-left: 8px;
}

/* Contact Info */
.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.contact-block {
    display: flex;
    gap: 15px;
    align-items: flex-start;
}

.contact-icon-wrap {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: rgba(59, 126, 161, 0.2);
    color: var(--color-accent);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1.1rem;
}

.contact-text h6 {
    color: var(--color-white);
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 6px;
}

.contact-text p {
    color: rgba(227, 242, 253, 0.75);
    margin: 0;
    font-size: 0.9rem;
    line-height: 1.6;
}

.contact-text a {
    color: rgba(227, 242, 253, 0.75);
    text-decoration: none;
    transition: color 0.3s ease;
}

.contact-text a:hover {
    color: var(--color-bg-soft);
}

/* Footer Bottom (Sub-Footer) */
.footer-bottom {
    border-top: 2px solid var(--color-accent);
    background: rgba(0, 0, 0, 0.2);
    padding: 24px 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.footer-copyright p {
    margin: 0;
    color: rgba(227, 242, 253, 0.7);
    font-size: 0.9rem;
}

.footer-legal {
    display: flex;
    gap: 25px;
    flex-wrap: wrap;
}

.footer-legal a {
    color: rgba(227, 242, 253, 0.7);
    text-decoration: none;
    font-size: 0.875rem;
    transition: color 0.3s ease;
}

.footer-legal a:hover {
    color: var(--color-white);
}

.scroll-to-top {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    background: var(--color-accent);
    color: var(--color-white);
    text-decoration: none;
    border-radius: 6px;
    font-weight: 600;
    font-size: 0.875rem;
    transition: all 0.3s ease;
}

.scroll-to-top:hover {
    background: var(--color-primary);
    transform: translateY(-2px);
}

/* =========================================
   STATS SECTION - DARK BACKGROUND
   ========================================= */

/* Stats Section with Dark Transparent Background */
.stats-section-dark {
    position: relative;
    background: linear-gradient(135deg, #162C48 0%, #1E3A5F 50%, #162C48 100%);
    overflow: hidden;
    padding: 80px 0;
}

/* Geometric Pattern Overlay */
.stats-section-dark::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image:
        repeating-linear-gradient(45deg, transparent, transparent 35px, rgba(227, 242, 253, 0.03) 35px, rgba(227, 242, 253, 0.03) 70px),
        repeating-linear-gradient(-45deg, transparent, transparent 35px, rgba(227, 242, 253, 0.03) 35px, rgba(227, 242, 253, 0.03) 70px);
    opacity: 0.5;
    z-index: 1;
}

/* Dark Transparent Overlay */
.stats-section-dark::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(22, 44, 72, 0.4);
    /* Dark transparent overlay */
    z-index: 2;
}

/* Ensure content is above overlays */
.stats-section-dark .container {
    position: relative;
    z-index: 3;
}

/* Stat Box Styling */
.stat-box {
    text-align: center;
    padding: 30px 20px;
    transition: transform 0.3s ease;
}

.stat-box:hover {
    transform: translateY(-5px);
}

/* Stat Numbers - Ice Blue Color */
.stat-number {
    font-size: 3.5rem;
    font-weight: 800;
    color: #E3F2FD;
    /* Ice Blue */
    font-family: var(--font-primary);
    line-height: 1;
    margin-bottom: 12px;
    text-shadow: 0 2px 10px rgba(227, 242, 253, 0.3);
    letter-spacing: -0.02em;
}

/* Stat Labels - Ice Blue Color */
.stat-label {
    font-size: 0.95rem;
    font-weight: 600;
    color: #E3F2FD;
    /* Ice Blue */
    text-transform: uppercase;
    letter-spacing: 1.5px;
    opacity: 0.85;
}

/* Responsive Stats Adjustments */
@media (max-width: 768px) {
    .stats-section-dark {
        padding: 60px 0;
    }

    .stat-number {
        font-size: 2.5rem;
    }

    .stat-label {
        font-size: 0.85rem;
    }

    .stat-box {
        padding: 25px 15px;
    }
}

@media (max-width: 576px) {
    .stat-number {
        font-size: 2rem;
    }

    .stat-label {
        font-size: 0.75rem;
        letter-spacing: 1px;
    }

    .stat-box {
        padding: 20px 10px;
    }
}

/* =========================================
   MOBILE RESPONSIVENESS
   ========================================= */

@media (max-width: 1199px) {
    .nav-inner {
        gap: 20px;
    }

    .banking-selector {
        display: none;
    }

    .primary-menu {
        gap: 2px;
    }

    .menu-item>a {
        padding: 10px 14px;
        font-size: 0.9rem;
    }
}

@media (max-width: 991px) {
    .utility-bar {
        font-size: 0.8rem;
        padding: 8px 0;
    }

    .utility-left {
        flex: 1;
    }

    .utility-item {
        font-size: 0.8rem;
    }

    .mobile-nav-toggler {
        display: block;
    }

    .nav-logo-section {
        gap: 15px;
    }

    .primary-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 300px;
        height: 100vh;
        background: var(--color-white);
        flex-direction: column;
        align-items: stretch;
        padding: 80px 0 30px;
        box-shadow: -5px 0 20px rgba(0, 0, 0, 0.1);
        transition: right 0.4s ease;
        overflow-y: auto;
        z-index: 9999;
    }

    .primary-menu.active {
        right: 0;
    }

    .menu-item {
        border-bottom: 1px solid rgba(59, 126, 161, 0.1);
    }

    .menu-item>a {
        padding: 16px 24px;
    }

    .menu-item>a::after {
        display: none;
    }

    .sub-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        background: rgba(227, 242, 253, 0.5);
        box-shadow: none;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.3s ease;
    }

    .menu-item-has-children.active .sub-menu {
        max-height: 500px;
    }

    .sub-menu a {
        color: var(--color-primary);
        padding: 12px 24px 12px 40px;
    }

    .sub-menu a:hover {
        background: rgba(59, 126, 161, 0.1);
        color: var(--color-heavy);
    }

    .menu-item-cta {
        margin: 20px 24px;
        border: none;
    }

    .menu-item-cta a {
        text-align: center;
    }
}

@media (max-width: 768px) {
    .footer-main {
        padding: 60px 0 40px;
    }

    .footer-brand {
        padding-right: 0;
        text-align: center;
        margin-bottom: 40px;
    }

    .footer-social {
        justify-content: center;
    }

    .footer-column {
        text-align: center;
    }

    .footer-heading::after {
        left: 50%;
        transform: translateX(-50%);
    }

    .footer-list a:hover {
        padding-left: 0;
    }

    .contact-block {
        flex-direction: column;
        align-items: center;
        text-align: center;
    }

    .footer-bottom-inner {
        flex-direction: column;
        text-align: center;
    }

    .footer-legal {
        justify-content: center;
    }
}

@media (max-width: 576px) {
    .utility-bar-inner {
        flex-direction: column;
        text-align: center;
        gap: 10px;
    }

    .brand-logo img {
        height: 45px;
    }

    .primary-menu {
        width: 100%;
    }

    .footer-logo img {
        height: 40px;
    }

    .social-icon {
        width: 38px;
        height: 38px;
        font-size: 0.85rem;
    }
}

/* =========================================
   MOBILE HAMBURGER MENU STYLES
   ========================================= */

/* Mobile Hamburger Button - Hidden on Desktop */
.mobile-menu-toggle {
    display: none;
}

@media (max-width: 991px) {

    /* Show Mobile Hamburger Button */
    .mobile-menu-toggle {
        display: flex;
        flex-direction: column;
        justify-content: space-around;
        width: 44px;
        height: 44px;
        background: transparent;
        border: 2px solid var(--color-accent);
        /* #3B7EA1 */
        border-radius: 6px;
        cursor: pointer;
        padding: 10px 8px;
        z-index: 10001;
        /* Above menu (10000) and overlay (9997) */
        transition: all 0.3s ease;
        position: relative;
    }

    .mobile-menu-toggle:hover {
        background: rgba(59, 126, 161, 0.1);
        border-color: var(--color-primary);
    }

    /* Hamburger Lines */
    .hamburger-line {
        width: 100%;
        height: 3px;
        background: var(--color-accent);
        /* #3B7EA1 */
        border-radius: 2px;
        transition: all 0.3s ease;
        transform-origin: center;
    }

    /* Hamburger to X Animation */
    body.nav-open .mobile-menu-toggle .hamburger-line:nth-child(1) {
        transform: translateY(9px) rotate(45deg);
        background: var(--color-white);
    }

    body.nav-open .mobile-menu-toggle .hamburger-line:nth-child(2) {
        opacity: 0;
        transform: scaleX(0);
    }

    body.nav-open .mobile-menu-toggle .hamburger-line:nth-child(3) {
        transform: translateY(-9px) rotate(-45deg);
        background: var(--color-white);
    }

    body.nav-open .mobile-menu-toggle {
        background: var(--color-accent);
        border-color: var(--color-accent);
    }


    /* Mobile Overlay - REMOVED (No overlay background) */

    @keyframes fadeIn {
        from {
            opacity: 0;
        }

        to {
            opacity: 1;
        }
    }

    /* Mobile Menu Container - TOPMOST LAYER (ENFORCED) */
    .primary-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 320px;
        max-width: 85%;
        height: 100vh;
        background: #1E3A5F !important;
        /* Solid Corporate Blue - Crisp text */
        flex-direction: column;
        align-items: stretch;
        padding: 100px 0 30px;
        box-shadow: -5px 0 30px rgba(0, 0, 0, 0.4);
        transition: right 0.4s cubic-bezier(0.68, -0.55, 0.265, 1.55);
        overflow-y: auto;
        z-index: 9999 !important;
        /* TOPMOST - Above overlay (9991) - ENFORCED */
        gap: 0;
        pointer-events: auto !important;
        /* ALL links clickable - ENFORCED */
    }

    body.nav-open .primary-menu {
        right: 0;
    }

    /* Mobile Menu Items - Clickable */
    .menu-item {
        border-bottom: 1px solid rgba(227, 242, 253, 0.1);
        position: relative;
        z-index: 1;
        /* Ensure items are above any pseudo-elements */
    }

    .menu-item>a {
        padding: 18px 28px;
        color: var(--color-bg-soft);
        /* #E3F2FD */
        font-size: 1rem;
        font-weight: 600;
        position: relative;
        z-index: 2;
        /* Ensure links are clickable */
        display: block;
        cursor: pointer;
        transition: all 0.3s ease;
    }

    .menu-item>a::after {
        display: none;
    }

    /* Enhanced Hover State - Accent Color Feedback */
    .menu-item>a:hover,
    .menu-item>a:active,
    .menu-item>a:focus {
        background: rgba(59, 126, 161, 0.2);
        /* #3B7EA1 tint */
        color: var(--color-white);
        padding-left: 34px;
    }

    /* Mobile Dropdown Toggle */
    .menu-item-has-children>a {
        position: relative;
        padding-right: 50px;
    }

    .menu-item-has-children>a::before {
        position: absolute;
        right: 28px;
        top: 50%;
        transform: translateY(-50%);
        color: var(--color-accent);
    }

    .menu-item-has-children.active>a::before {
        transform: translateY(-50%) rotate(180deg);
    }

    /* Mobile Submenu - Nested Within Solid Menu */
    .sub-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        background: rgba(22, 44, 72, 0.4);
        /* #162C48 tint for depth */
        box-shadow: none;
        border-radius: 0;
        max-height: 0;
        overflow: hidden;
        transition: max-height 0.4s ease;
        padding: 0;
    }

    .menu-item-has-children.active .sub-menu {
        max-height: 600px;
        padding: 8px 0;
    }

    .sub-menu li {
        border-bottom: 1px solid rgba(227, 242, 253, 0.05);
    }

    .sub-menu li:last-child {
        border-bottom: none;
    }

    .sub-menu a {
        color: rgba(227, 242, 253, 0.85);
        padding: 14px 28px 14px 48px;
        font-size: 0.95rem;
        font-weight: 500;
        position: relative;
        z-index: 2;
        /* Ensure submenu links are clickable */
        display: block;
        cursor: pointer;
        transition: all 0.3s ease;
    }

    /* Enhanced Submenu Hover - Accent Color */
    .sub-menu a:hover,
    .sub-menu a:active,
    .sub-menu a:focus {
        background: rgba(59, 126, 161, 0.25);
        /* #3B7EA1 tint */
        color: var(--color-white);
        padding-left: 54px;
    }

    /* Mobile CTA Button */
    .menu-item-cta {
        margin: 24px 28px;
        border: none;
    }

    .menu-item-cta a {
        text-align: center;
        padding: 16px 24px !important;
        display: block;
        border-radius: 8px;
    }

    /* Prevent Body Scroll When Menu Open */
    body.nav-open {
        overflow: hidden;
    }
}