/* ==========================================================================
   BSN Merchant Bank Bhd — Design System
   Theme: Primary #004E9B (blue) / Accent #CC0000 (red)
   ========================================================================== */

:root {
  /* Brand */
  --primary: #004E9B;
  --primary-50: #eef5fc;
  --primary-100: #d3e6f6;
  --primary-600: #003E7D;
  --primary-700: #003468;
  --primary-900: #001E3D;
  --accent: #CC0000;
  --accent-600: #A80000;
  --accent-700: #8A0000;
  --accent-50: #fdeceb;

  /* Neutrals */
  --navy: #061c33;
  --ink: #101820;
  --gray-900: #1b2431;
  --gray-700: #45505f;
  --gray-500: #6b7686;
  --gray-300: #c9d2dc;
  --gray-200: #e2e8f0;
  --gray-100: #f2f5f8;
  --white: #ffffff;

  /* Effects */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 3px rgba(6, 28, 51, 0.08);
  --shadow-md: 0 8px 24px rgba(6, 28, 51, 0.10);
  --shadow-lg: 0 20px 48px rgba(6, 28, 51, 0.16);
  --transition: 220ms cubic-bezier(.4,0,.2,1);

  /* Type */
  --font-heading: 'Poppins', 'Segoe UI', sans-serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;

  --container: 1440px;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--primary-900);
  font-weight: 600;
  line-height: 1.25;
  margin: 0 0 .6em;
}
p { margin: 0 0 1em; }
button { font-family: inherit; cursor: pointer; }
input, select, textarea { font-family: inherit; font-size: 1rem; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 40px;
}

section { position: relative; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 3px;
  border-radius: 2px;
  background: var(--accent);
}
.section-head { max-width: 700px; margin: 0 auto 48px; text-align: center; }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); }
.section-head p { color: var(--gray-700); font-size: 1.05rem; }
.section-head.align-left { margin-left: 0; text-align: left; }

.bg-light { background: var(--gray-100); }
.bg-navy { background: linear-gradient(160deg, var(--navy) 0%, var(--primary-900) 100%); color: var(--white); }
.bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.bg-navy p { color: rgba(255,255,255,.78); }

.py { padding: 88px 0; }
.py-sm { padding: 56px 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: .95rem;
  padding: 14px 28px;
  border-radius: 999px;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}
.btn-accent { background: var(--accent); color: var(--white); }
.btn-accent:hover { background: var(--accent-600); transform: translateY(-2px); }
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-600); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline:hover { background: var(--primary); color: var(--white); }
.btn-white { background: var(--white); color: var(--primary); }
.btn-white:hover { background: var(--gray-100); transform: translateY(-2px); }
.btn-ghost-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-ghost-white:hover { background: rgba(255,255,255,.12); border-color: var(--white); }
.btn-sm { padding: 10px 20px; font-size: .85rem; }
.btn-block { width: 100%; }
.btn-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--font-heading); font-weight: 600; color: var(--primary);
  font-size: .92rem; transition: gap var(--transition), color var(--transition);
}
.btn-link:hover { gap: 10px; color: var(--accent); }

/* ==========================================================================
   Header / Navigation
   ========================================================================== */
.topbar {
  background: var(--primary-900);
  color: rgba(255,255,255,.85);
  font-size: .82rem;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; padding-top: 8px; padding-bottom: 8px; }
.topbar-left { display: flex; gap: 24px; flex-wrap: wrap; }
.topbar a { color: rgba(255,255,255,.85); transition: color var(--transition); }
.topbar a:hover { color: var(--white); }
.topbar-left span, .topbar-left a { display: inline-flex; align-items: center; gap: 6px; }
.topbar-right { display: flex; gap: 18px; }

.navbar {
  position: sticky;
  top: 0;
  z-index: 500;
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.navbar .container { display: flex; align-items: center; justify-content: space-between; height: 108px; }
.brand img { height: 54px; width: auto; }

.nav-main { display: flex; align-items: center; gap: 4px; }
.nav-main > li { position: relative; }
.nav-main > li > a {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 12px 16px;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: .93rem;
  color: var(--gray-900);
  border-bottom: 3px solid transparent;
  transition: color var(--transition), border-color var(--transition);
}
.nav-main > li > a:hover,
.nav-main > li > a.active { color: var(--primary); border-color: var(--accent); }
.nav-main .caret { font-size: .6rem; transition: transform var(--transition); }
.nav-main li:hover .caret { transform: rotate(180deg); }

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 10px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: all var(--transition);
  border: 1px solid var(--gray-200);
}
.nav-main li:hover .dropdown-menu {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-size: .92rem;
  font-weight: 500;
  color: var(--gray-700);
  transition: background var(--transition), color var(--transition);
}
.dropdown-menu a:hover { background: var(--primary-50); color: var(--primary); }

.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-cta .btn-accent, .nav-cta .btn-accent:hover { box-shadow: none; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 8px;
}
.nav-toggle span { width: 26px; height: 2px; background: var(--primary-900); border-radius: 2px; transition: var(--transition); }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  background: linear-gradient(125deg, var(--navy) 0%, var(--primary-900) 45%, var(--primary) 100%);
  color: var(--white);
  overflow: hidden;
  padding: 120px 0 100px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 85% 20%, rgba(204,0,0,.35) 0%, transparent 45%),
    radial-gradient(circle at 15% 90%, rgba(255,255,255,.08) 0%, transparent 40%);
  pointer-events: none;
}
.hero-shapes { position: absolute; inset: 0; overflow: hidden; pointer-events: none; }
.hero-shapes svg { position: absolute; opacity: .5; }
.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.hero-copy .eyebrow { color: #ff8f8f; }
.hero-copy h1 { color: var(--white); font-size: clamp(1.9rem, 3.1vw, 2.6rem); margin-bottom: .45em; }
.hero-copy p.lead { font-size: 1.15rem; color: rgba(255,255,255,.82); max-width: 560px; margin-bottom: 2em; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 3em; }

/* ---------- Hero image slider (homepage) ---------- */
.hero-slider { padding: 70px 0 120px; min-height: 700px; display: flex; align-items: center; }
.hero-slides { position: absolute; inset: 0; z-index: 0; }
.hero-slide {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 700ms ease;
}
.hero-slide.active { opacity: 1; }
.hero-overlay {
  position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(115deg, rgba(6,28,51,.94) 0%, rgba(0,62,125,.90) 42%, rgba(0,78,155,.62) 72%, rgba(204,0,0,.38) 130%);
}
.hero-slider .container { z-index: 2; }
.hero-text-stage { position: relative; }
.hero-text { display: none; }
.hero-text.active { display: block; animation: heroFadeUp .7s ease; }
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}
.hero-controls-bar {
  position: absolute;
  left: 0; right: 0; bottom: 36px;
  z-index: 5;
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 40px;
  pointer-events: none;
}
.hero-controls { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; pointer-events: auto; }
.hero-dots { display: flex; gap: 10px; }
.hero-dot {
  width: 34px; height: 5px; border-radius: 999px;
  background: rgba(255,255,255,.32); border: none; padding: 0;
  cursor: pointer;
  transition: background var(--transition), width var(--transition);
}
.hero-dot.active { background: var(--accent); width: 54px; }
.hero-arrows { display: flex; gap: 10px; }
.hero-arrows button {
  width: 44px; height: 44px; border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,.35);
  background: rgba(255,255,255,.06);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
  cursor: pointer;
}
.hero-arrows button:hover { background: var(--accent); border-color: var(--accent); }

.hero-stats { display: flex; gap: 40px; flex-wrap: wrap; }
.hero-stats .stat b {
  display: block;
  font-family: var(--font-heading);
  font-size: 1.9rem;
  color: var(--white);
}
.hero-stats .stat span { font-size: .85rem; color: rgba(255,255,255,.7); }

.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.18);
  backdrop-filter: blur(6px);
  border-radius: var(--radius-lg);
  padding: 34px;
}
.hero-card-inner {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 30px;
  color: var(--gray-900);
  box-shadow: var(--shadow-lg);
}
.hero-card-inner h3 { font-size: 1.15rem; margin-bottom: 4px; }
.hero-card-inner .rate { font-family: var(--font-heading); font-size: 2.6rem; color: var(--primary); font-weight: 700; }
.hero-card-inner .rate span { font-size: 1rem; color: var(--gray-500); font-weight: 500; }
.hero-card-badge {
  width: 52px; height: 52px; border-radius: 14px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-900) 100%);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
  box-shadow: 0 10px 20px rgba(0,78,155,.25);
}
.hero-card-divider { height: 1px; background: var(--gray-200); margin: 18px 0; }
.hero-mini-list { margin-top: 18px; display: flex; flex-direction: column; gap: 10px; }
.hero-mini-list li { display: flex; align-items: center; gap: 10px; font-size: .92rem; color: var(--gray-700); }
.hero-mini-list i { color: var(--accent); }

/* Inner page hero (smaller, with breadcrumb) */
.page-hero { padding: 70px 0 60px; }
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 2.8rem); margin-bottom: .3em; }
.page-hero p { color: rgba(255,255,255,.8); max-width: 620px; font-size: 1.05rem; margin-bottom: 0;}
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: .85rem; color: rgba(255,255,255,.65); margin-bottom: 18px; }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb .sep { opacity: .5; }

/* ==========================================================================
   Stats bar
   ========================================================================== */
.stats-bar {
  background: var(--white);
  box-shadow: var(--shadow-md);
  border-radius: var(--radius-lg);
  margin-top: -64px;
  position: relative;
  z-index: 5;
  padding: 36px 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.stats-bar .stat { text-align: center; border-right: 1px solid var(--gray-200); }
.stats-bar .stat:last-child { border-right: none; }
.stats-bar .stat b { display: block; font-family: var(--font-heading); font-size: 2rem; color: var(--primary); }
.stats-bar .stat span { font-size: .85rem; color: var(--gray-500); }
.stats-bar .stat i { color: var(--accent); font-size: 1.3rem; margin-bottom: 8px; }

/* ==========================================================================
   Cards / Grids
   ========================================================================== */
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-registration { grid-template-columns: 1.9fr 1fr; }

.icon-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 34px 28px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.icon-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.icon-card .icon {
  width: 58px; height: 58px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 16px;
  background: var(--primary-50);
  color: var(--primary);
  font-size: 1.5rem;
  margin-bottom: 20px;
}
.icon-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.icon-card p { color: var(--gray-700); font-size: .95rem; margin-bottom: 16px; }

/* Compact unified sidebar used alongside long forms (e.g. account registration) */
.trust-panel {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  padding: 30px 26px;
  position: sticky;
  top: 130px;
}
.trust-panel-section { padding: 20px 0; border-top: 1px solid var(--gray-200); }
.trust-panel-section:first-child { padding-top: 0; border-top: none; }
.trust-panel-heading {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-heading); font-weight: 600; font-size: .95rem;
  color: var(--primary-900);
  margin-bottom: 12px;
}
.trust-panel-heading i {
  width: 30px; height: 30px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  border-radius: 9px;
  background: var(--primary-50); color: var(--primary);
  font-size: .85rem;
}
.trust-panel-section p { font-size: .88rem; color: var(--gray-700); margin: 0; }
.trust-panel-section p a { color: var(--primary); font-weight: 600; }
.trust-panel .hero-mini-list li { font-size: .87rem; }

.feature-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: box-shadow var(--transition), transform var(--transition);
}
.feature-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.feature-card .media {
  height: 170px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-900) 100%);
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: 2.4rem;
  position: relative;
  overflow: hidden;
}
.feature-card .media.alt { background: linear-gradient(135deg, var(--accent) 0%, var(--accent-700) 100%); }
.feature-card .media::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 0%, rgba(255,255,255,.25), transparent 60%);
}
.feature-card .media.media-photo {
  height: 190px;
  background-color: var(--primary-900);
  background-size: cover;
  background-position: center;
  display: block;
}
.feature-card .media.media-photo::after {
  background: linear-gradient(190deg, rgba(6,28,51,0) 35%, rgba(6,28,51,.65) 100%);
}
.feature-card .body { padding: 26px; }
.feature-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.feature-card p { color: var(--gray-700); font-size: .93rem; }

.product-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 30px;
  position: relative;
}
.product-card .tag {
  position: absolute; top: -12px; right: 24px;
  background: var(--accent); color: var(--white);
  font-size: .72rem; font-weight: 700; letter-spacing: .05em;
  padding: 6px 14px; border-radius: 999px; text-transform: uppercase;
}
.product-card h3 { font-size: 1.05rem; color: var(--gray-700); font-weight: 500; margin-bottom: 6px; }
.product-card .rate { font-family: var(--font-heading); font-size: 2.1rem; color: var(--primary); font-weight: 700; margin-bottom: 4px; }
.product-card .rate span { font-size: .95rem; color: var(--gray-500); font-weight: 500; }
.product-card p { font-size: .88rem; color: var(--gray-500); margin-bottom: 20px; }

.value-card { text-align: center; padding: 20px; }
.value-card .icon {
  width: 76px; height: 76px; margin: 0 auto 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-600) 100%);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.7rem;
  box-shadow: 0 12px 24px rgba(0,78,155,.28);
}

/* Split section (image block + copy) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-media {
  border-radius: var(--radius-lg);
  min-height: 420px;
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
  position: relative;
  overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.split-media .glyph { font-size: 6rem; color: rgba(255,255,255,.9); }
.split-media::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(165deg, rgba(6,28,51,.55) 0%, rgba(0,78,155,.18) 55%, transparent 85%),
    radial-gradient(circle at 85% 15%, rgba(204,0,0,.35) 0%, transparent 45%);
}
.split-media .badge-float {
  position: absolute; bottom: 24px; left: 24px; right: 24px;
  z-index: 2;
  background: rgba(255,255,255,.96);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  display: flex; align-items: center; gap: 14px;
  box-shadow: var(--shadow-lg);
}
.split-media .badge-float i { color: var(--accent); font-size: 1.6rem; }
.split-media .badge-float strong { display: block; color: var(--primary-900); font-size: .95rem; }
.split-media .badge-float span { font-size: .8rem; color: var(--gray-500); }
.split-copy .checklist { margin: 24px 0; display: flex; flex-direction: column; gap: 14px; }
.split-copy .checklist li { display: flex; gap: 12px; align-items: flex-start; }
.split-copy .checklist i { color: var(--accent); margin-top: 4px; }
.split.reverse { grid-template-columns: 1fr 1fr; }
.split.reverse .split-media { order: 2; }

/* Why choose us */
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }

.why-band {
  position: relative;
  overflow: hidden;
  padding: 100px 0;
  background-color: var(--navy);
  background-size: cover;
  background-position: center;
}
.why-band::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(160deg, rgba(6,28,51,.93) 0%, rgba(0,78,155,.86) 55%, rgba(204,0,0,.34) 135%);
}
.why-band .container { position: relative; z-index: 2; }
.why-band .section-head .eyebrow { color: #ff8f8f; }
.why-band .section-head h2 { color: var(--white); }
.why-band .section-head p { color: rgba(255,255,255,.78); }
.value-card-dark .icon { background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.28); box-shadow: none; }
.value-card-dark h3 { color: var(--white); }
.value-card-dark p { color: rgba(255,255,255,.72); }

/* Testimonials */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
}
.testimonial-card .stars { color: #f5a623; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-card p.quote { color: var(--gray-700); font-style: italic; margin-bottom: 22px; }
.testimonial-card .person { display: flex; align-items: center; gap: 14px; }
.testimonial-card .avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--primary); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 700;
}
.testimonial-card .person strong { display: block; font-size: .95rem; }
.testimonial-card .person span { font-size: .82rem; color: var(--gray-500); }

/* CTA banner */
.cta-banner {
  background: linear-gradient(120deg, var(--primary-900) 0%, var(--primary) 60%, var(--accent-700) 140%);
  border-radius: var(--radius-lg);
  padding: 56px;
  color: var(--white);
  display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap;
}
.cta-banner h2 { color: var(--white); margin-bottom: 6px; }
.cta-banner p { color: rgba(255,255,255,.82); margin-bottom: 0; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }
.cta-banner-photo {
  position: relative;
  overflow: hidden;
  background-size: cover;
  background-position: center;
}
.cta-banner-photo::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(0,30,61,.93) 0%, rgba(0,78,155,.86) 60%, rgba(138,0,0,.58) 140%);
}
.cta-banner-photo > * { position: relative; z-index: 1; }

/* ==========================================================================
   Forms
   ========================================================================== */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 40px;
  border: 1px solid var(--gray-200);
}
.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-row-title { grid-template-columns: .8fr 1.6fr 1.6fr; }
.form-section-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1rem;
  color: var(--primary);
  padding-bottom: 10px;
  margin: 32px 0 18px;
  border-bottom: 2px solid var(--gray-200);
}
.form-section-title i { color: var(--accent); font-size: .95rem; }
.form-section-title:first-child { margin-top: 0; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--gray-900); margin-bottom: 8px; font-family: var(--font-heading); }
.form-control {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 4px var(--primary-50); }
textarea.form-control { resize: vertical; min-height: 130px; }

.password-field { position: relative; }
.password-field .form-control { padding-right: 46px; }
.password-toggle {
  position: absolute; top: 50%; right: 4px; transform: translateY(-50%);
  width: 36px; height: 36px; border-radius: 50%;
  border: none; background: none;
  display: flex; align-items: center; justify-content: center;
  color: var(--gray-500);
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
}
.password-toggle:hover { background: var(--gray-100); color: var(--primary); }
.form-note { font-size: .82rem; color: var(--gray-500); margin-top: 6px; }
.field-error { font-size: .8rem; color: var(--accent); margin-top: 6px; display: none; }
.form-control.invalid { border-color: var(--accent); }
.form-control.invalid + .field-error { display: block; }
.form-alert {
  padding: 16px 20px;
  border-radius: var(--radius-sm);
  margin-bottom: 24px;
  font-size: .92rem;
  display: flex; gap: 10px; align-items: flex-start;
}
.form-alert.success { background: #e7f6ec; color: #17663a; border: 1px solid #b7e4c7; }
.form-alert.error { background: var(--accent-50); color: var(--accent-700); border: 1px solid #f3b9b9; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: .88rem; color: var(--gray-700); }
.checkbox-row input { margin-top: 4px; }

/* Login card */
.login-wrap { max-width: 440px; margin: 0 auto; }
.login-wrap .form-card { padding: 44px; }
.login-icon {
  width: 60px; height: 60px; border-radius: 16px;
  background: var(--primary-50); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; margin: 0 auto 18px;
}
.security-strip {
  display: flex; align-items: center; gap: 10px;
  font-size: .8rem; color: var(--gray-500);
  justify-content: center; margin-top: 22px;
}

/* ==========================================================================
   Contact / info blocks
   ========================================================================== */
.contact-info-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  padding: 26px;
  display: flex;
  gap: 16px;
}
.contact-info-card .icon {
  width: 46px; height: 46px; flex-shrink: 0;
  border-radius: 12px;
  background: var(--primary-50); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
}
.contact-info-card h4 { font-size: 1rem; margin-bottom: 6px; }
.contact-info-card p { font-size: .9rem; color: var(--gray-700); margin: 0; }

.office-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px;
  height: 100%;
}
.office-card h3 {
  display: flex; align-items: center; gap: 10px;
  font-size: 1.1rem;
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--gray-200);
}
.office-card h3 i { color: var(--accent); }
.office-row { display: flex; gap: 14px; margin-bottom: 18px; }
.office-row:last-child { margin-bottom: 0; }
.office-row .icon {
  width: 40px; height: 40px; flex-shrink: 0;
  border-radius: 10px;
  background: var(--primary-50); color: var(--primary);
  display: flex; align-items: center; justify-content: center;
}
.office-row strong {
  display: block;
  font-size: .76rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--gray-500);
  margin-bottom: 3px;
}
.office-row span { font-size: .93rem; color: var(--gray-900); line-height: 1.5; }

.map-frame {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--gray-200);
  min-height: 340px;
  background: var(--primary-50);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary);
  flex-direction: column;
  gap: 10px;
}
.map-frame i { font-size: 2.4rem; }

/* ==========================================================================
   Accordion (FAQ)
   ========================================================================== */
.accordion { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 14px; }
.accordion-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
}
.accordion-trigger {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px;
  background: none; border: none;
  padding: 20px 24px;
  text-align: left;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1rem;
  color: var(--gray-900);
}
.accordion-trigger i { color: var(--primary); transition: transform var(--transition); flex-shrink: 0; }
.accordion-item.open .accordion-trigger i { transform: rotate(45deg); color: var(--accent); }
.accordion-panel { max-height: 0; overflow: hidden; transition: max-height var(--transition); }
.accordion-panel-inner { padding: 0 24px 22px; color: var(--gray-700); font-size: .95rem; }
.faq-cats { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-bottom: 40px; }
.faq-cat-btn {
  padding: 10px 20px; border-radius: 999px;
  border: 1.5px solid var(--gray-300);
  background: var(--white); font-size: .85rem; font-weight: 600;
  font-family: var(--font-heading); color: var(--gray-700);
  transition: var(--transition);
}
.faq-cat-btn.active, .faq-cat-btn:hover { background: var(--primary); border-color: var(--primary); color: var(--white); }

/* ==========================================================================
   Tables
   ========================================================================== */
.table-wrap { overflow-x: auto; border-radius: var(--radius-md); border: 1px solid var(--gray-200); }
table.rate-table { width: 100%; border-collapse: collapse; min-width: 560px; }
table.rate-table th, table.rate-table td { padding: 16px 20px; text-align: left; font-size: .92rem; }
table.rate-table thead th {
  background: var(--primary-900); color: var(--white);
  font-family: var(--font-heading); font-weight: 600; font-size: .85rem;
  text-transform: uppercase; letter-spacing: .04em;
}
table.rate-table tbody tr:nth-child(even) { background: var(--gray-100); }
table.rate-table tbody td strong { color: var(--primary); }

/* ==========================================================================
   Calculator
   ========================================================================== */
.calc-card { background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--gray-200); padding: 40px; }
.calc-slider-row { margin-bottom: 26px; }
.calc-slider-row .row-top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.calc-slider-row .row-top label { font-family: var(--font-heading); font-weight: 600; font-size: .9rem; }
.calc-slider-row .row-top output { font-family: var(--font-heading); font-weight: 700; color: var(--primary); font-size: 1.05rem; }
input[type=range] {
  width: 100%; height: 6px; border-radius: 999px; background: var(--gray-200);
  appearance: none; -webkit-appearance: none;
}
input[type=range]::-webkit-slider-thumb {
  appearance: none; -webkit-appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent); cursor: pointer; border: 4px solid var(--white); box-shadow: 0 2px 8px rgba(0,0,0,.3);
}
input[type=range]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent); cursor: pointer; border: 4px solid var(--white); box-shadow: 0 2px 8px rgba(0,0,0,.3);
}
.calc-result {
  background: var(--primary-900);
  background: linear-gradient(135deg, var(--primary-900), var(--primary));
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 34px;
  text-align: center;
}
.calc-result span { font-size: .85rem; color: rgba(255,255,255,.75); text-transform: uppercase; letter-spacing: .06em; }
.calc-result .amount { font-family: var(--font-heading); font-size: 2.8rem; font-weight: 700; margin: 8px 0; }
.calc-result .breakdown { display: flex; justify-content: space-around; margin-top: 22px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.18); }
.calc-result .breakdown div b { display: block; font-family: var(--font-heading); font-size: 1.15rem; }
.calc-result .breakdown div span { font-size: .78rem; }
.calc-tabs { display: flex; gap: 10px; margin-bottom: 30px; }
.calc-tab { flex: 1; padding: 14px; border-radius: var(--radius-sm); border: 1.5px solid var(--gray-300); background: var(--white); font-family: var(--font-heading); font-weight: 600; font-size: .9rem; color: var(--gray-700); }
.calc-tab.active { background: var(--primary); border-color: var(--primary); color: var(--white); }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--navy); color: rgba(255,255,255,.75); padding-top: 72px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.1); }
.footer-brand .brand-logo { height: 40px; margin-bottom: 18px; filter: brightness(0) invert(1); }
.footer-brand p { font-size: .9rem; color: rgba(255,255,255,.6); max-width: 320px; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 50%;
  background: rgba(255,255,255,.08);
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}
.footer-social a:hover { background: var(--accent); transform: translateY(-3px); }
.site-footer h4 { color: var(--white); font-size: 1rem; margin-bottom: 22px; }
.footer-links { display: flex; flex-direction: column; gap: 12px; }
.footer-links a { font-size: .9rem; color: rgba(255,255,255,.65); transition: color var(--transition); }
.footer-links a:hover { color: var(--white); }
.footer-contact li { display: flex; gap: 12px; font-size: .88rem; margin-bottom: 16px; color: rgba(255,255,255,.65); }
.footer-contact i { color: var(--accent); margin-top: 3px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; padding: 26px 0; font-size: .82rem; color: rgba(255,255,255,.5); flex-wrap: wrap; gap: 12px; }
.footer-bottom-links { display: flex; gap: 22px; flex-wrap: wrap; }
.footer-bottom-links a:hover { color: var(--white); }
.footer-badges { display: flex; gap: 14px; align-items: center; margin-top: 32px; padding-bottom: 32px; flex-wrap: wrap; }
.footer-badges span {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; color: rgba(255,255,255,.55);
  border: 1px solid rgba(255,255,255,.15); padding: 8px 14px; border-radius: 999px;
}
.footer-badges i { color: var(--accent); }

/* Back to top */
#backToTop {
  position: fixed; right: 26px; bottom: 26px; z-index: 400;
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--accent); color: var(--white); border: none;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: all var(--transition);
}
#backToTop.show { opacity: 1; visibility: visible; transform: translateY(0); }
#backToTop:hover { background: var(--accent-600); }

/* Page-level misc */
.badge-pill {
  display: inline-block; padding: 5px 14px; border-radius: 999px;
  background: var(--primary-50); color: var(--primary);
  font-size: .78rem; font-weight: 700; letter-spacing: .03em;
}
.divider-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--accent); display: inline-block; }
.timeline { border-left: 3px solid var(--gray-200); padding-left: 30px; display: flex; flex-direction: column; gap: 36px; margin-left: 6px; }
.timeline-item { position: relative; }
.timeline-item::before {
  content: ""; position: absolute; left: -38px; top: 4px;
  width: 14px; height: 14px; border-radius: 50%; background: var(--accent); border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--accent);
}
.timeline-item b.year { color: var(--primary); font-family: var(--font-heading); }

.leader-card { text-align: center; }
.leader-card .avatar {
  width: 110px; height: 110px; border-radius: 50%; margin: 0 auto 18px;
  background: linear-gradient(135deg, var(--primary), var(--primary-900));
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-size: 2rem; font-weight: 700;
}
.leader-card h4 { margin-bottom: 2px; }
.leader-card span { font-size: .85rem; color: var(--accent); font-weight: 600; }

.error-page { min-height: 60vh; display: flex; align-items: center; justify-content: center; text-align: center; padding: 80px 24px; }
.error-page .code { font-family: var(--font-heading); font-size: 7rem; font-weight: 700; color: var(--primary); line-height: 1; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 992px) {
  .hero-grid { grid-template-columns: 1fr; }
  .split, .split.reverse { grid-template-columns: 1fr; }
  .split.reverse .split-media { order: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-3, .grid-4, .why-grid { grid-template-columns: repeat(2,1fr); }
  .stats-bar { grid-template-columns: repeat(2,1fr); gap: 28px; }
  .stats-bar .stat:nth-child(2) { border-right: none; }
}

@media (max-width: 768px) {
  .container { padding: 0 20px; }
  .topbar { display: none; }
  .nav-toggle { display: flex; }
  .navbar .container { height: 96px; }
  .brand img { height: 46px; }
  .nav-main {
    position: fixed; top: 96px; left: 0; right: 0; bottom: 0;
    background: var(--white);
    flex-direction: column; align-items: stretch;
    padding: 10px 20px 40px;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform var(--transition);
  }
  .nav-main.open { transform: translateX(0); }
  .nav-main > li > a { padding: 16px 4px; border-bottom: 1px solid var(--gray-200); }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; display: none; padding-left: 12px; }
  .nav-main li.open .dropdown-menu { display: block; }
  .nav-cta .btn-outline { display: none; }
  .hero { padding: 70px 0 90px; }
  .hero-slider { padding: 40px 0 90px; min-height: 600px; }
  .hero-controls-bar { bottom: 20px; padding: 0 20px; }
  .hero-arrows { display: none; }
  .hero-stats { gap: 24px; }
  .stats-bar { grid-template-columns: 1fr 1fr; margin-top: -40px; }
  .grid-2, .grid-3, .grid-4, .why-grid, .grid-registration { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .form-row { grid-template-columns: 1fr; }
  .cta-banner { flex-direction: column; text-align: center; padding: 40px 28px; }
  .py { padding: 60px 0; }
  table.rate-table { font-size: .85rem; }
}