/* ==========================================================================
   FARGO WELLS FINTECH MICRO BANK - DESIGN SYSTEM & STYLESHEET
   Modern, Ultra-responsive, High-converting Fintech Experience
   ========================================================================== */

@import url("https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&family=Outfit:wght@400;500;600;700;800&family=JetBrains+Mono:wght@400;500;600&display=swap");

:root {
  /* Color Palette - Referencing FargoWells Visual Identity */
  --color-navy-950: #050814;
  --color-navy-900: #0a1026;
  --color-navy-850: #0d1633;
  --color-navy-800: #121c42;
  --color-navy-700: #1a275a;
  --color-navy-600: #233475;

  --color-indigo-600: #4f46e5;
  --color-indigo-500: #6366f1;
  --color-indigo-400: #818cf8;

  --color-purple-600: #7c3aed;
  --color-purple-500: #8b5cf6;
  --color-purple-400: #a78bfa;

  --color-cyan-500: #06b6d4;
  --color-cyan-400: #22d3ee;
  --color-cyan-300: #67e8f9;

  --color-emerald-500: #10b981;
  --color-emerald-400: #34d399;
  --color-rose-500: #f43f5e;
  --color-amber-500: #f59e0b;

  /* Gradients */
  --gradient-brand: linear-gradient(
    45deg,
    #0237d8 0%,
    #078ef7 50%,
    #2bcff6 100%
  );
  --gradient-brand-subtle: linear-gradient(
    135deg,
    rgba(79, 70, 229, 0.15) 0%,
    rgba(124, 58, 237, 0.1) 50%,
    rgba(6, 182, 212, 0.15) 100%
  );
  --gradient-hero: linear-gradient(
    135deg,
    #070c20 0%,
    #0e183a 40%,
    #1a1645 75%,
    #0d1b33 100%
  );
  --gradient-card: linear-gradient(
    145deg,
    rgba(255, 255, 255, 0.08) 0%,
    rgba(255, 255, 255, 0.02) 100%
  );
  --gradient-card-hover: linear-gradient(
    145deg,
    rgba(255, 255, 255, 0.12) 0%,
    rgba(99, 102, 241, 0.08) 100%
  );
  --gradient-gold: linear-gradient(135deg, #fbbf24 0%, #d97706 100%);
  --gradient-metal: linear-gradient(
    135deg,
    #2b2e4a 0%,
    #1e2038 50%,
    #3e4266 100%
  );
  --gradient-neon: linear-gradient(
    135deg,
    #06b6d4 0%,
    #3b82f6 50%,
    #8b5cf6 100%
  );

  /* Neutrals */
  --bg-primary: #070b1a;
  --bg-secondary: #0c142e;
  --bg-tertiary: #111a3b;
  --bg-surface: #ffffff;
  --bg-surface-soft: #f8fafc;
  --bg-surface-alt: #f1f5f9;

  --text-primary: #ffffff;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --text-dark: #0f172a;
  --text-dark-muted: #64748b;

  /* Borders & Shadows */
  --border-light: rgba(255, 255, 255, 0.1);
  --border-glass: rgba(255, 255, 255, 0.14);
  --border-focus: rgba(99, 102, 241, 0.5);
  --border-dark: #e2e8f0;

  --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.15);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.25);
  --shadow-lg: 0 20px 40px rgba(0, 0, 0, 0.35);
  --shadow-xl: 0 30px 60px -12px rgba(5, 8, 20, 0.5);
  --shadow-glow: 0 0 40px -10px rgba(99, 102, 241, 0.5);
  --shadow-cyan-glow: 0 0 40px -10px rgba(6, 182, 212, 0.4);

  /* Typography & Sizing */
  --font-sans:
    "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: "Outfit", var(--font-sans);
  --font-mono: "JetBrains Mono", monospace;

  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-full: 9999px;

  --transition-fast: 0.18s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-normal: 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-smooth: 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

/* Base Resets */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
}

body {
  font-family: var(--font-sans);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  width: 100%;
  max-width: 100%;
  position: relative;
  -webkit-font-smoothing: antialiased;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition-fast);
}

button,
input,
select,
textarea {
  font-family: inherit;
  font-size: inherit;
  border: none;
  outline: none;
  background: none;
}

button {
  cursor: pointer;
  user-select: none;
}

/* Layout Utilities */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.container-wide {
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section-spacing {
  padding: 6rem 0;
  position: relative;
}

@media (max-width: 768px) {
  .section-spacing {
    padding: 3.5rem 0;
  }
}

@media (max-width: 640px) {
  .container,
  .container-wide {
    padding: 0 1rem;
  }
}

/* Section Header Typography */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 3.5rem auto;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.35rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: rgba(99, 102, 241, 0.12);
  color: var(--color-cyan-400);
  border: 1px solid rgba(99, 102, 241, 0.28);
  margin-bottom: 1rem;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
  margin-bottom: 1rem;
}

.section-title.dark-text {
  color: var(--text-dark);
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.section-subtitle.dark-text {
  color: var(--text-dark-muted);
}

.gradient-text {
  background: linear-gradient(135deg, #ffffff 30%, #818cf8 70%, #38bdf8 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.gradient-text-alt {
  background: var(--gradient-brand);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 0.75rem 1.6rem;
  border-radius: var(--radius-full);
  transition: var(--transition-fast);
  white-space: nowrap;
}

.btn-primary {
  background: var(--gradient-brand);
  color: #ffffff;
  box-shadow: 0 4px 20px rgba(99, 102, 241, 0.4);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(99, 102, 241, 0.6);
}

.btn-outline {
  border: 1px solid var(--border-glass);
  background: rgba(255, 255, 255, 0.05);
  color: #ffffff;
  backdrop-filter: blur(10px);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.12);
  border-color: rgba(255, 255, 255, 0.3);
  transform: translateY(-2px);
}

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

.btn-dark:hover {
  background: var(--color-navy-800);
  transform: translateY(-2px);
}

.btn-pill-navy {
  background: #0f172a;
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.15);
}

.btn-pill-navy:hover {
  background: #1e293b;
  border-color: var(--color-indigo-500);
}

.btn-sm {
  padding: 0.5rem 1.1rem;
  font-size: 0.85rem;
}

.btn-lg {
  padding: 0.95rem 2.2rem;
  font-size: 1.05rem;
}

/* ==========================================================================
   SECTION 1: TOP ANNOUNCEMENT BAR & STICKY NAVIGATION
   ========================================================================== */
.announcement-bar {
  background: linear-gradient(135deg, #0237d8 0%, #4f2fd8 100%);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.82rem;
  padding: 0.45rem 1rem;
  color: #e2e8f0;
  position: relative;
  z-index: 100;
}

.announcement-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.announcement-badge {
  background: var(--color-indigo-600);
  color: #ffffff;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  padding: 0.15rem 0.5rem;
  border-radius: var(--radius-xs);
  margin-right: 0.5rem;
}

.announcement-links {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.announcement-links a:hover {
  color: var(--color-cyan-400);
}

.navbar {
  position: sticky;
  top: 0;
  z-index: 99;
  background: rgba(10, 16, 38, 0.85);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition-normal);
}

.navbar.scrolled {
  background: rgba(7, 11, 26, 0.96);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.4);
  padding: 0.2rem 0;
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.nav-brand-logo {
  height: 38px;
  width: auto;
  object-fit: contain;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 1.75rem;
  list-style: none;
}

.nav-link {
  font-size: 0.92rem;
  font-weight: 500;
  color: #cbd5e1;
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.5rem 0;
  position: relative;
}

.nav-link:hover,
.nav-link.active {
  color: #ffffff;
}

.nav-link.active::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2px;
  background: var(--gradient-brand);
  border-radius: 2px;
}

/* Nav Dropdown */
.nav-item-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: rgba(13, 22, 51, 0.97);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-md);
  padding: 0.75rem;
  box-shadow: var(--shadow-xl);
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition-fast);
  z-index: 110;
}

.nav-item-dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.65rem 0.85rem;
  border-radius: var(--radius-sm);
  color: #e2e8f0;
  font-size: 0.9rem;
  font-weight: 500;
}

.dropdown-item:hover {
  background: rgba(99, 102, 241, 0.15);
  color: #ffffff;
}

.dropdown-icon {
  width: 32px;
  height: 32px;
  border-radius: var(--radius-xs);
  background: rgba(255, 255, 255, 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-cyan-400);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.nav-icon-btn {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #cbd5e1;
  position: relative;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-light);
  transition: var(--transition-fast);
}

.nav-icon-btn:hover {
  color: #ffffff;
  background: rgba(255, 255, 255, 0.1);
}

.notification-badge {
  position: absolute;
  top: -2px;
  right: -2px;
  background: var(--color-rose-500);
  color: #ffffff;
  font-size: 0.65rem;
  font-weight: 800;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--bg-primary);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-light);
  padding: 8px;
  cursor: pointer;
  transition: var(--transition-fast);
  flex-shrink: 0;
  z-index: 101;
}

.mobile-toggle:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.25);
}

.mobile-toggle span {
  display: block;
  height: 2px;
  width: 22px;
  background: #ffffff;
  border-radius: 2px;
  transition:
    transform 0.28s cubic-bezier(0.16, 1, 0.3, 1),
    opacity 0.2s ease,
    width 0.2s ease;
  transform-origin: center;
}

/* Animated Hamburger to X */
.mobile-toggle.active {
  background: rgba(99, 102, 241, 0.2);
  border-color: var(--color-indigo-400);
}

.mobile-toggle.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.mobile-toggle.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: 86%;
  max-width: 360px;
  height: 100vh;
  height: 100dvh;
  background: rgba(8, 13, 31, 0.98);
  backdrop-filter: blur(28px);
  -webkit-backdrop-filter: blur(28px);
  border-left: 1px solid var(--border-glass);
  padding: 1.5rem;
  padding-top: max(1.5rem, env(safe-area-inset-top));
  padding-bottom: max(1.5rem, env(safe-area-inset-bottom));
  z-index: 250;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transform: translateX(100%);
  visibility: hidden;
  transition:
    transform 0.35s cubic-bezier(0.16, 1, 0.3, 1),
    visibility 0.35s ease;
  box-shadow: -15px 0 40px rgba(0, 0, 0, 0.7);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
}

.mobile-drawer.open {
  transform: translateX(0);
  visibility: visible;
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--border-light);
}

.drawer-close-btn {
  width: 38px;
  height: 38px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  line-height: 1;
  border: 1px solid var(--border-light);
  cursor: pointer;
  transition: var(--transition-fast);
}

.drawer-close-btn:hover {
  background: rgba(255, 255, 255, 0.18);
  transform: rotate(90deg);
}

.mobile-nav-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.mobile-nav-link {
  font-size: 1.05rem;
  font-weight: 600;
  color: #e2e8f0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1rem;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background: rgba(99, 102, 241, 0.15);
  color: #ffffff;
  border-left: 3px solid var(--color-cyan-400);
}

.mobile-nav-link span {
  color: var(--color-cyan-400);
  font-size: 1.15rem;
  transition: transform 0.2s ease;
}

.mobile-nav-link:hover span {
  transform: translateX(4px);
}

.drawer-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.75);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 240;
  opacity: 0;
  visibility: hidden;
  transition:
    opacity 0.3s ease,
    visibility 0.3s ease;
}

.drawer-backdrop.active {
  opacity: 1;
  visibility: visible;
}

/* Navigation Responsive Media Queries */
@media (max-width: 992px) {
  .nav-menu {
    display: none !important;
  }
  .mobile-toggle {
    display: flex !important;
    flex-shrink: 0;
  }
  .pwa-install-btn {
    display: inline-flex !important;
  }
  .announcement-links {
    display: none !important;
  }
  .announcement-inner {
    justify-content: center !important;
    text-align: center !important;
    white-space: normal !important;
  }
  .announcement-bar {
    font-size: 0.78rem;
    padding: 0.4rem 0.75rem;
  }
  .navbar-inner {
    height: 68px;
  }
}

@media (max-width: 768px) {
  .nav-brand-logo {
    height: 32px;
    max-width: 140px;
  }
  .nav-actions .btn,
  .nav-actions .btn-outline,
  .nav-actions .btn-primary,
  .nav-actions #navLoginBtn,
  .nav-actions #navOpenAccountBtn,
  .nav-search-btn {
    display: none !important;
  }
  .pwa-install-btn span {
    display: none;
  }
  .nav-actions {
    gap: 0.5rem;
    flex-shrink: 0;
    margin-left: auto;
  }
  .mobile-toggle {
    display: flex !important;
    flex-shrink: 0;
    margin-left: auto;
  }
}

@media (max-width: 640px) {
  .navbar-inner {
    height: 60px;
  }
  .nav-brand-logo {
    height: 28px;
    max-width: 130px;
  }
  .nav-actions {
    gap: 0.35rem;
    flex-shrink: 0;
    margin-left: auto;
  }
  .nav-icon-btn {
    width: 34px;
    height: 34px;
  }
  .mobile-toggle {
    display: flex !important;
    flex-shrink: 0;
    margin-left: auto;
  }
}

/* ==========================================================================
   SECTION 2: HERO SECTION (Faithfully matching uploaded reference image!)
   ========================================================================== */
.hero-section {
  position: relative;
  padding: 4rem 0 6rem 0;
  overflow: hidden;
  background:
    radial-gradient(
      circle at 80% 20%,
      rgba(99, 102, 241, 0.25) 0%,
      transparent 50%
    ),
    radial-gradient(
      circle at 10% 80%,
      rgba(6, 182, 212, 0.18) 0%,
      transparent 40%
    ),
    var(--gradient-hero);
  border-bottom: 1px solid var(--border-light);
}

.hero-glow-blob {
  position: absolute;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  filter: blur(120px);
  pointer-events: none;
  opacity: 0.4;
}

.hero-glow-1 {
  top: -100px;
  left: 20%;
  background: #6366f1;
}

.hero-glow-2 {
  bottom: -150px;
  right: 10%;
  background: #06b6d4;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 3.5rem;
  align-items: center;
  position: relative;
  z-index: 2;
}

.hero-content {
  max-width: 580px;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.85rem;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-cyan-300);
  margin-bottom: 1.5rem;
}

.hero-eyebrow .pulse-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--color-cyan-400);
  box-shadow: 0 0 12px var(--color-cyan-400);
  animation: pulseGlow 2s infinite;
}

@keyframes pulseGlow {
  0% {
    transform: scale(1);
    opacity: 1;
  }
  50% {
    transform: scale(1.5);
    opacity: 0.5;
  }
  100% {
    transform: scale(1);
    opacity: 1;
  }
}

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.75rem, 5.5vw, 4.2rem);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -0.03em;
  color: #ffffff;
  margin-bottom: 1.5rem;
}

.hero-description {
  font-size: 1.15rem;
  color: #cbd5e1;
  line-height: 1.7;
  margin-bottom: 2.25rem;
  font-weight: 400;
}

.hero-cta-group {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  flex-wrap: wrap;
  margin-bottom: 2.75rem;
}

.hero-video-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.85rem;
  color: #ffffff;
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.hero-video-btn:hover {
  color: var(--color-cyan-300);
}

.play-icon-pulse {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}

.play-icon-pulse::after {
  content: "";
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 1px solid rgba(99, 102, 241, 0.6);
  animation: rippleRing 2.5s infinite;
}

@keyframes rippleRing {
  0% {
    transform: scale(0.9);
    opacity: 1;
  }
  100% {
    transform: scale(1.4);
    opacity: 0;
  }
}

.hero-trust-metrics {
  display: flex;
  align-items: center;
  gap: 2rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.metric-item {
  display: flex;
  flex-direction: column;
}

.metric-number {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.2;
}

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

/* Hero Visual Composition matching Image 3 mockup natively without static banner image */
.hero-visual-stage {
  position: relative;
  min-height: 540px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-mock-composition {
  position: relative;
  width: 100%;
  max-width: 580px;
  height: 500px;
}

/* Floating Desktop Dashboard Card in Hero */
.hero-desktop-dashboard {
  position: absolute;
  top: 10px;
  right: 0;
  width: 88%;
  background: rgba(15, 23, 50, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.5);
  z-index: 1;
}

.dash-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 1.25rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.dash-currencies-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.dash-curr-box {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-sm);
  padding: 0.6rem 0.75rem;
}

.dash-curr-code {
  font-size: 0.65rem;
  color: var(--text-secondary);
  font-weight: 700;
  text-transform: uppercase;
}

.dash-curr-amount {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.95rem;
  color: #ffffff;
}

.dash-cashback-strip {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.25);
  border-radius: var(--radius-sm);
  padding: 0.6rem 1rem;
  font-size: 0.8rem;
}

/* Foreground Phone Mockup in Hero */
.hero-phone-mockup {
  position: absolute;
  bottom: 0;
  left: 20px;
  width: 280px;
  background: #090e24;
  border: 8px solid #1a2238;
  border-radius: 36px;
  box-shadow:
    0 30px 70px rgba(0, 0, 0, 0.7),
    0 0 35px rgba(99, 102, 241, 0.35);
  overflow: hidden;
  z-index: 3;
}

.hero-phone-notch {
  width: 90px;
  height: 16px;
  background: #1a2238;
  margin: 0 auto;
  border-bottom-left-radius: 10px;
  border-bottom-right-radius: 10px;
}

.hero-phone-body {
  padding: 1.1rem;
  color: #ffffff;
}

.hero-phone-balance-block {
  text-align: center;
  margin: 0.75rem 0 1.25rem 0;
}

.hero-phone-balance {
  font-family: var(--font-display);
  font-size: 1.85rem;
  font-weight: 800;
  color: #ffffff;
}

.hero-phone-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.4rem;
  text-align: center;
  margin-bottom: 1.25rem;
}

.hero-phone-btn-circle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.25rem auto;
  font-size: 0.95rem;
  color: var(--color-cyan-300);
}

.hero-phone-feed-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.5rem 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  font-size: 0.72rem;
}

/* Floating Card in Hero */
.hero-floating-card {
  position: absolute;
  bottom: 30px;
  right: -10px;
  width: 240px;
  height: 148px;
  border-radius: 16px;
  background: linear-gradient(135deg, #0a0f1f 0%, #0237d8 100%);
  border: 1px solid rgba(255, 255, 255, 0.25);
  box-shadow:
    0 20px 50px rgba(0, 0, 0, 0.6),
    0 0 25px rgba(99, 102, 241, 0.4);
  padding: 1.1rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #ffffff;
  z-index: 4;
  animation: floatUpDown 5s ease-in-out infinite;
}

/* Hero Section Responsive Media Queries */
@media (max-width: 992px) {
  .hero-section {
    padding: 3rem 0 4rem 0;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 3rem;
    text-align: center;
  }
  .hero-content {
    max-width: 100%;
    margin: 0 auto;
  }
  .hero-eyebrow {
    justify-content: center;
  }
  .hero-cta-group {
    justify-content: center;
  }
  .hero-trust-metrics {
    justify-content: center;
    gap: 2rem;
  }
  .hero-mock-composition {
    margin: 0 auto;
  }
}

@media (max-width: 640px) {
  .hero-title {
    font-size: clamp(2.2rem, 8vw, 2.85rem);
  }
  .hero-description {
    font-size: 1rem;
    margin-bottom: 1.75rem;
  }
  .hero-cta-group {
    flex-direction: column;
    width: 100%;
    gap: 1rem;
  }
  .hero-cta-group .btn {
    width: 100%;
    justify-content: center;
  }
  .hero-trust-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    text-align: center;
    padding-top: 1.5rem;
  }
  .metric-number {
    font-size: 1.35rem;
  }
  .metric-label {
    font-size: 0.72rem;
  }
  .hero-visual-stage {
    min-height: 420px;
    overflow: hidden;
  }
  .hero-mock-composition {
    height: 420px;
    max-width: 100%;
  }
  .hero-desktop-dashboard {
    width: 96%;
    right: 2%;
    padding: 1rem;
    top: 0;
  }
  .dash-currencies-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.5rem;
  }
  .dash-curr-amount {
    font-size: 0.85rem;
  }
  .hero-phone-mockup {
    width: 220px;
    left: 10px;
    bottom: 5px;
    border-width: 6px;
    border-radius: 28px;
  }
  .hero-phone-balance {
    font-size: 1.4rem;
  }
  .hero-floating-card {
    width: 190px;
    height: 120px;
    padding: 0.85rem;
    right: 5px;
    bottom: 25px;
  }
}

@media (max-width: 440px) {
  .hero-visual-stage {
    min-height: 370px;
  }
  .hero-mock-composition {
    height: 370px;
  }
  .hero-phone-mockup {
    width: 185px;
    left: 0;
    bottom: 0;
    border-width: 5px;
    border-radius: 24px;
  }
  .hero-phone-body {
    padding: 0.75rem;
  }
  .hero-phone-balance {
    font-size: 1.25rem;
  }
  .hero-phone-btn-circle {
    width: 32px;
    height: 32px;
    font-size: 0.8rem;
  }
  .hero-floating-card {
    width: 160px;
    height: 105px;
    padding: 0.7rem;
    right: 0;
    bottom: 15px;
  }
  .hero-trust-metrics {
    grid-template-columns: 1fr;
    gap: 0.75rem;
  }
}

/* Page Header Banner for Subpages */
.page-hero {
  padding: 5rem 0 4rem 0;
  background:
    radial-gradient(
      circle at 80% 20%,
      rgba(99, 102, 241, 0.2) 0%,
      transparent 50%
    ),
    radial-gradient(
      circle at 10% 80%,
      rgba(6, 182, 212, 0.15) 0%,
      transparent 40%
    ),
    var(--gradient-hero);
  border-bottom: 1px solid var(--border-light);
  text-align: center;
}

.page-hero .hero-title {
  font-size: clamp(1.85rem, 5vw, 3.6rem) !important;
  line-height: 1.15;
  margin-bottom: 1.25rem;
  word-wrap: break-word;
  overflow-wrap: break-word;
}

@media (max-width: 768px) {
  .page-hero {
    padding: 3.25rem 0 2.25rem 0;
  }
  .page-hero .hero-title {
    font-size: clamp(1.5rem, 6.5vw, 2.2rem) !important;
    letter-spacing: -0.02em;
  }
  .page-hero .hero-description {
    font-size: 0.95rem;
    padding: 0 0.5rem;
    margin-bottom: 1.5rem !important;
  }
  .page-hero .btn-lg {
    padding: 0.75rem 1.25rem;
    font-size: 0.92rem;
    width: 100%;
    max-width: 320px;
    justify-content: center;
    text-align: center;
  }
}

.breadcrumb-trail {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--text-secondary);
  margin-bottom: 1.25rem;
}

.breadcrumb-trail a:hover {
  color: var(--color-cyan-300);
}

.breadcrumb-separator {
  color: var(--text-muted);
}

/* Floating interactive widgets on top of Hero */
.floating-widget {
  position: absolute;
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  z-index: 10;
  animation: floatUpDown 6s ease-in-out infinite;
}

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

.widget-balance-pill {
  top: -15px;
  right: 15px;
  background: rgba(13, 21, 48, 0.92);
  border: 1px solid rgba(99, 102, 241, 0.35);
  padding: 0.85rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 1rem;
}

.widget-balance-icon {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gradient-brand);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
}

.widget-balance-title {
  font-size: 0.72rem;
  text-transform: uppercase;
  color: var(--text-secondary);
  font-weight: 600;
}

.widget-balance-amount {
  font-size: 1.25rem;
  font-weight: 800;
  color: #ffffff;
  font-family: var(--font-display);
}

.widget-badge-positive {
  font-size: 0.75rem;
  color: var(--color-emerald-400);
  background: rgba(16, 185, 129, 0.15);
  padding: 0.15rem 0.45rem;
  border-radius: var(--radius-full);
  font-weight: 600;
}

.widget-notification-pill {
  bottom: -20px;
  left: 20px;
  background: rgba(13, 21, 48, 0.94);
  border: 1px solid rgba(6, 182, 212, 0.35);
  padding: 0.85rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  animation-delay: -3s;
}

.widget-notif-avatar {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #10b981;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: #ffffff;
}

.widget-notif-text {
  font-size: 0.85rem;
  font-weight: 600;
  color: #ffffff;
}

.widget-notif-sub {
  font-size: 0.72rem;
  color: var(--text-secondary);
}

/* ==========================================================================
   SECTION 3: LIVE FINANCIAL MARKET & FOREX MARQUEE
   ========================================================================== */
.market-ticker-section {
  background: #080d22;
  border-bottom: 1px solid var(--border-light);
  overflow: hidden;
  padding: 0.9rem 0;
}

.marquee-track {
  display: flex;
  width: max-content;
  animation: marqueeScroll 35s linear infinite;
}

.marquee-track:hover {
  animation-play-state: paused;
}

@keyframes marqueeScroll {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.35rem 1.75rem;
  border-right: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.85rem;
  font-weight: 600;
  white-space: nowrap;
}

.ticker-symbol {
  color: #ffffff;
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

.ticker-price {
  font-family: var(--font-mono);
  color: #cbd5e1;
}

.ticker-change {
  display: inline-flex;
  align-items: center;
  gap: 0.2rem;
  font-size: 0.75rem;
  padding: 0.15rem 0.4rem;
  border-radius: var(--radius-xs);
}

.ticker-change.up {
  color: var(--color-emerald-400);
  background: rgba(16, 185, 129, 0.12);
}

.ticker-change.down {
  color: var(--color-rose-500);
  background: rgba(244, 63, 94, 0.12);
}

/* ==========================================================================
   SECTION 4: CORE VALUE PILLARS (Matching Image 3 strip)
   ========================================================================== */
.pillars-section {
  background: var(--bg-surface-soft);
  color: var(--text-dark);
  border-bottom: 1px solid var(--border-dark);
  padding: 4.5rem 0;
}

.pillars-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1.5rem;
}

.pillar-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: 1.5rem 1rem;
  border-radius: var(--radius-md);
  background: #ffffff;
  border: 1px solid #e2e8f0;
  box-shadow: 0 4px 12px rgba(15, 23, 42, 0.04);
  transition: var(--transition-normal);
}

.pillar-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 28px rgba(15, 23, 42, 0.09);
  border-color: var(--color-indigo-400);
}

.pillar-icon-box {
  width: 54px;
  height: 54px;
  border-radius: var(--radius-md);
  background: rgba(99, 102, 241, 0.08);
  color: var(--color-indigo-600);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  transition: var(--transition-fast);
}

.pillar-card:hover .pillar-icon-box {
  background: var(--gradient-brand);
  color: #ffffff;
}

.pillar-title {
  font-size: 0.98rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 0.35rem;
}

.pillar-desc {
  font-size: 0.8rem;
  color: var(--text-dark-muted);
  line-height: 1.4;
}

@media (max-width: 1100px) {
  .pillars-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 600px) {
  .pillars-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 440px) {
  .pillars-grid {
    grid-template-columns: 1fr;
  }
}

.pillars-grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

@media (max-width: 992px) {
  .pillars-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 540px) {
  .pillars-grid-4 {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SECTION 5: FEATURE SHOWCASE TRIO (Matching Image 3 lower cards)
   ========================================================================== */
.trio-section {
  background: #ffffff;
  padding: 4.5rem 0 5.5rem 0;
  border-bottom: 1px solid var(--border-dark);
}

.trio-grid {
  display: grid;
  grid-template-columns: 1.4fr 1.4fr 1fr;
  gap: 1.75rem;
}

.trio-card {
  background: var(--bg-surface-soft);
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  overflow: hidden;
  position: relative;
  transition: var(--transition-normal);
}

.trio-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.08);
  border-color: #cbd5e1;
}

.trio-tag {
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-indigo-600);
  margin-bottom: 0.5rem;
}

.trio-title {
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.25;
  margin-bottom: 0.75rem;
}

.trio-desc {
  font-size: 0.9rem;
  color: var(--text-dark-muted);
  line-height: 1.5;
  margin-bottom: 1.5rem;
}

.trio-atm-layout {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 1.25rem;
  align-items: center;
}

.atm-terminal-preview {
  background: #0b132b;
  border-radius: var(--radius-md);
  padding: 1.25rem;
  color: #ffffff;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(255, 255, 255, 0.1);
  position: relative;
}

.atm-screen-mock {
  background: #1c2541;
  border-radius: var(--radius-xs);
  padding: 1rem;
  text-align: center;
  border: 1px solid rgba(99, 102, 241, 0.3);
}

.atm-screen-mock .atm-brand {
  font-weight: 800;
  font-size: 0.9rem;
  color: var(--color-cyan-300);
  margin-bottom: 0.4rem;
}

.atm-screen-mock .atm-actions {
  font-size: 0.72rem;
  color: #94a3b8;
  line-height: 1.5;
}

.app-badge-group {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.store-badge-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: #000000;
  color: #ffffff;
  padding: 0.55rem 1rem;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 600;
  transition: var(--transition-fast);
}

.store-badge-btn:hover {
  background: #1e293b;
  transform: translateY(-2px);
}

.trust-card-inner {
  text-align: left;
}

.trust-shield-icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: rgba(16, 185, 129, 0.12);
  color: var(--color-emerald-500);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

@media (max-width: 992px) {
  .trio-grid {
    grid-template-columns: 1fr;
  }
  .trio-atm-layout {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .trio-card {
    padding: 1.5rem;
  }
}

.trio-grid-2 {
  grid-template-columns: 1fr 1fr;
}

@media (max-width: 768px) {
  .trio-grid-2 {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SECTION 6: INTERACTIVE GLOBAL WIRE & CURRENCY CONVERTER
   ========================================================================== */
.converter-section {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
  position: relative;
}

.converter-box {
  background: rgba(18, 28, 66, 0.7);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: var(--shadow-xl);
  max-width: 1000px;
  margin: 0 auto;
}

.converter-grid {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 2rem;
  align-items: center;
}

.currency-input-card {
  background: rgba(7, 11, 26, 0.6);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}

.currency-input-label {
  font-size: 0.8rem;
  color: var(--text-secondary);
  text-transform: uppercase;
  font-weight: 700;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
  display: block;
}

.currency-input-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.currency-num-input {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 800;
  color: #ffffff;
  width: 100%;
}

.currency-select-wrapper {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-glass);
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-full);
  cursor: pointer;
}

.currency-select {
  color: #ffffff;
  font-weight: 700;
  font-size: 1rem;
  background: transparent;
  cursor: pointer;
}

.currency-select option {
  background: #0f172a;
  color: #ffffff;
}

.swap-btn-box {
  display: flex;
  justify-content: center;
}

.currency-swap-btn {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--gradient-brand);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 20px rgba(99, 102, 241, 0.5);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.currency-swap-btn:hover {
  transform: rotate(180deg) scale(1.08);
}

.converter-breakdown {
  margin-top: 2rem;
  padding-top: 2rem;
  border-top: 1px solid var(--border-light);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}

.breakdown-item {
  display: flex;
  flex-direction: column;
}

.breakdown-label {
  font-size: 0.78rem;
  color: var(--text-secondary);
}

.breakdown-value {
  font-size: 1.1rem;
  font-weight: 700;
  color: #ffffff;
}

.breakdown-value.highlight {
  color: var(--color-emerald-400);
}

@media (max-width: 768px) {
  .converter-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .currency-swap-btn svg {
    transform: rotate(90deg);
  }
  .converter-breakdown {
    grid-template-columns: repeat(2, 1fr);
    gap: 1rem;
  }
  .converter-box {
    padding: 1.5rem 1.25rem;
  }
}

@media (max-width: 480px) {
  .converter-breakdown {
    grid-template-columns: 1fr;
  }
  .currency-num-input {
    font-size: 1.75rem;
  }
}

/* ==========================================================================
   SECTION 7: SMART CARD SHOWCASE & 3D INTERACTIVE CUSTOMIZER
   ========================================================================== */
.card-showcase-section {
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border-light);
  position: relative;
}

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

/* Physical Card 3D Mockup */
.card-stage-container {
  perspective: 1000px;
  display: flex;
  justify-content: center;
}

.fargo-card-3d {
  width: 380px;
  height: 235px;
  border-radius: 20px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  color: #ffffff;
  box-shadow:
    0 25px 50px -12px rgba(0, 0, 0, 0.7),
    0 0 30px rgba(99, 102, 241, 0.3);
  position: relative;
  overflow: hidden;
  transition:
    transform 0.6s cubic-bezier(0.16, 1, 0.3, 1),
    box-shadow 0.6s ease;
  transform-style: preserve-3d;
}

.fargo-card-3d.theme-purple {
  background: linear-gradient(135deg, #0a0f1f 0%, #0237d8 100%);
  border: 1px solid rgba(167, 139, 250, 0.35);
}

.fargo-card-3d.theme-obsidian {
  background: linear-gradient(135deg, #090a0f 0%, #171924 50%, #262938 100%);
  border: 1px solid rgba(255, 255, 255, 0.2);
  box-shadow:
    0 25px 50px -12px rgba(0, 0, 0, 0.8),
    0 0 30px rgba(255, 255, 255, 0.1);
}

.fargo-card-3d.theme-cyan {
  background: linear-gradient(135deg, #083344 0%, #0891b2 50%, #06b6d4 100%);
  border: 1px solid rgba(103, 232, 249, 0.4);
  box-shadow:
    0 25px 50px -12px rgba(0, 0, 0, 0.7),
    0 0 30px rgba(6, 182, 212, 0.35);
}

.fargo-card-3d.theme-emerald {
  background: linear-gradient(135deg, #022c22 0%, #059669 50%, #10b981 100%);
  border: 1px solid rgba(110, 231, 183, 0.4);
  box-shadow:
    0 25px 50px -12px rgba(0, 0, 0, 0.7),
    0 0 30px rgba(16, 185, 129, 0.35);
}

.fargo-card-3d::before {
  content: "";
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(
    circle,
    rgba(255, 255, 255, 0.15) 0%,
    transparent 60%
  );
  pointer-events: none;
}

.card-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: relative;
  z-index: 2;
}

.card-brand-title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.emv-chip {
  width: 44px;
  height: 32px;
  border-radius: 6px;
  background: linear-gradient(135deg, #fcd34d 0%, #b45309 100%);
  position: relative;
  border: 1px solid rgba(255, 255, 255, 0.3);
}

.emv-chip::after {
  content: "";
  position: absolute;
  inset: 5px;
  border: 1px solid rgba(0, 0, 0, 0.2);
  border-radius: 2px;
}

.card-number-display {
  font-family: var(--font-mono);
  font-size: 1.25rem;
  letter-spacing: 0.18em;
  text-shadow: 0 2px 4px rgba(0, 0, 0, 0.4);
  position: relative;
  z-index: 2;
}

.card-bottom-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  position: relative;
  z-index: 2;
}

.card-holder-name {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}

.card-expiry {
  font-size: 0.8rem;
  font-family: var(--font-mono);
  color: rgba(255, 255, 255, 0.8);
}

.card-network-logo {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: italic;
  font-size: 1.4rem;
  color: #ffffff;
}

/* Card Switcher Controls */
.card-theme-selector {
  display: flex;
  gap: 1rem;
  margin: 1.5rem 0 2rem 0;
}

.theme-pill-btn {
  padding: 0.55rem 1.1rem;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  border: 1px solid var(--border-light);
  background: rgba(255, 255, 255, 0.05);
  color: #cbd5e1;
  transition: var(--transition-fast);
}

.theme-pill-btn.active,
.theme-pill-btn:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: var(--color-indigo-400);
  color: #ffffff;
}

.card-features-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  margin-bottom: 2rem;
}

.card-feature-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: #cbd5e1;
}

.card-feature-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(99, 102, 241, 0.15);
  color: var(--color-cyan-400);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

@media (max-width: 992px) {
  .card-showcase-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 2.5rem;
  }
  .card-theme-selector {
    justify-content: center;
  }
  .card-features-list {
    text-align: left;
    max-width: 400px;
    margin-left: auto;
    margin-right: auto;
  }
}

@media (max-width: 440px) {
  .fargo-card-3d {
    width: 100%;
    max-width: 320px;
    height: auto;
    aspect-ratio: 1.586 / 1;
    padding: 1.25rem;
  }
  .card-number-display {
    font-size: 1.05rem;
    letter-spacing: 0.12em;
  }
  .card-stage-container {
    padding: 0 0.5rem;
  }
}

/* ==========================================================================
   SECTION 8: HIGH-YIELD WEALTH VAULTS & APY CALCULATOR
   ========================================================================== */
.savings-section {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
}

.savings-calc-card {
  background: rgba(18, 28, 66, 0.8);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 3rem;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 3.5rem;
  align-items: center;
  box-shadow: var(--shadow-xl);
}

.calc-slider-group {
  margin-bottom: 2rem;
}

.calc-slider-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.75rem;
}

.calc-slider-title {
  font-size: 0.95rem;
  color: var(--text-secondary);
  font-weight: 600;
}

.calc-slider-val {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--color-cyan-300);
}

.custom-range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: rgba(255, 255, 255, 0.1);
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}

.custom-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--gradient-brand);
  cursor: pointer;
  box-shadow: 0 0 15px rgba(99, 102, 241, 0.7);
  border: 2px solid #ffffff;
}

.savings-return-box {
  background: linear-gradient(
    135deg,
    rgba(99, 102, 241, 0.15) 0%,
    rgba(6, 182, 212, 0.1) 100%
  );
  border: 1px solid rgba(99, 102, 241, 0.35);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  text-align: center;
}

.apy-badge {
  display: inline-block;
  background: var(--color-emerald-500);
  color: #064e3b;
  font-size: 0.8rem;
  font-weight: 800;
  padding: 0.25rem 0.85rem;
  border-radius: var(--radius-full);
  margin-bottom: 1rem;
}

.projected-amount {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  margin-bottom: 0.5rem;
}

.interest-earned-line {
  font-size: 0.95rem;
  color: var(--color-emerald-400);
  font-weight: 600;
  margin-bottom: 1.5rem;
}

@media (max-width: 900px) {
  .savings-calc-card {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding: 2rem;
  }
}

@media (max-width: 480px) {
  .savings-calc-card {
    padding: 1.5rem 1.25rem;
  }
  .projected-amount {
    font-size: 2.2rem;
  }
}

/* ==========================================================================
   SECTION 9: SME & FREELANCE BUSINESS BANKING
   ========================================================================== */
.business-section {
  background: var(--bg-surface-soft);
  color: var(--text-dark);
  border-bottom: 1px solid var(--border-dark);
}

.business-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.business-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.05);
  transition: var(--transition-normal);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.business-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.09);
  border-color: var(--color-indigo-500);
}

.business-card-icon {
  width: 58px;
  height: 58px;
  border-radius: var(--radius-md);
  background: rgba(99, 102, 241, 0.09);
  color: var(--color-indigo-600);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.5rem;
}

.business-card-title {
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-dark);
  margin-bottom: 0.75rem;
}

.business-card-desc {
  font-size: 0.95rem;
  color: var(--text-dark-muted);
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.business-feature-bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  margin-bottom: 1.75rem;
  font-size: 0.88rem;
  color: var(--text-dark);
}

.business-feature-bullets li {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.business-feature-bullets li span {
  color: var(--color-emerald-500);
  font-weight: bold;
}

@media (max-width: 992px) {
  .business-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SECTION 10: INSTANT MICRO-LOANS & CREDIT LINES
   ========================================================================== */
.loans-section {
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border-light);
}

.loans-container-box {
  background: rgba(18, 28, 66, 0.7);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 3rem;
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.loan-terms-pill-group {
  display: flex;
  gap: 0.75rem;
  margin: 1.25rem 0 2rem 0;
  flex-wrap: wrap;
}

.loan-term-btn {
  padding: 0.5rem 1.2rem;
  border-radius: var(--radius-full);
  border: 1px solid var(--border-light);
  background: rgba(255, 255, 255, 0.05);
  color: #cbd5e1;
  font-size: 0.88rem;
  font-weight: 600;
  transition: var(--transition-fast);
}

.loan-term-btn.active,
.loan-term-btn:hover {
  background: var(--gradient-brand);
  color: #ffffff;
  border-color: transparent;
}

.loan-monthly-preview {
  background: rgba(7, 11, 26, 0.8);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
}

.loan-monthly-amount {
  font-family: var(--font-display);
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--color-cyan-300);
  margin-bottom: 0.35rem;
}

@media (max-width: 900px) {
  .loans-container-box {
    grid-template-columns: 1fr;
    padding: 2rem;
  }
}

@media (max-width: 480px) {
  .loans-container-box {
    padding: 1.5rem 1.25rem;
  }
  .loan-monthly-amount {
    font-size: 2.2rem;
  }
}

/* ==========================================================================
   SECTION 11: SECURITY & COMPLIANCE FORTRESS
   ========================================================================== */
.security-section {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
  position: relative;
}

.security-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.75rem;
}

.security-card {
  background: rgba(18, 28, 66, 0.6);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  transition: var(--transition-normal);
}

.security-card:hover {
  transform: translateY(-6px);
  background: rgba(24, 38, 90, 0.8);
  border-color: var(--color-cyan-400);
}

.security-icon-circle {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: rgba(6, 182, 212, 0.15);
  color: var(--color-cyan-400);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}

.security-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #ffffff;
  margin-bottom: 0.5rem;
}

.security-card-desc {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

@media (max-width: 1024px) {
  .security-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .security-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SECTION 12: GLOBAL PAYMENT RAILS MARQUEE 2
   ========================================================================== */
.partner-marquee-section {
  background: #090e24;
  border-bottom: 1px solid var(--border-light);
  padding: 2rem 0;
  overflow: hidden;
}

.marquee-label-center {
  text-align: center;
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--text-muted);
  font-weight: 700;
  margin-bottom: 1.25rem;
}

.partner-marquee-track {
  display: flex;
  width: max-content;
  animation: partnerMarquee 30s linear infinite;
}

@keyframes partnerMarquee {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.partner-logo-item {
  padding: 0 2.5rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 1.1rem;
  color: #94a3b8;
  opacity: 0.75;
  transition: var(--transition-fast);
}

.partner-logo-item:hover {
  opacity: 1;
  color: #ffffff;
}

/* ==========================================================================
   SECTION 13: INTERACTIVE MOBILE APP TOUR (Tabbed Screen Previews)
   ========================================================================== */
.app-tour-section {
  background: var(--bg-surface-soft);
  color: var(--text-dark);
  border-bottom: 1px solid var(--border-dark);
}

.app-tour-tabs {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
  margin-bottom: 3.5rem;
  flex-wrap: wrap;
}

.app-tab-btn {
  padding: 0.65rem 1.4rem;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--text-dark-muted);
  background: #ffffff;
  border: 1px solid #e2e8f0;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.04);
  transition: var(--transition-fast);
}

.app-tab-btn.active,
.app-tab-btn:hover {
  background: var(--color-navy-900);
  color: #ffffff;
  border-color: var(--color-navy-900);
}

.app-tour-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  max-width: 1080px;
  margin: 0 auto;
}

.phone-mockup-frame {
  width: 320px;
  margin: 0 auto;
  border: 12px solid #0f172a;
  border-radius: 46px;
  background: #090e24;
  box-shadow: 0 25px 60px -15px rgba(15, 23, 42, 0.4);
  overflow: hidden;
  position: relative;
}

.phone-notch {
  width: 130px;
  height: 22px;
  background: #0f172a;
  margin: 0 auto;
  border-bottom-left-radius: 14px;
  border-bottom-right-radius: 14px;
  position: relative;
  z-index: 10;
}

.phone-screen-content {
  padding: 1.25rem;
  min-height: 480px;
  color: #ffffff;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.phone-live-balance {
  text-align: center;
  margin: 1.5rem 0;
}

.phone-action-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.5rem;
  text-align: center;
  margin-bottom: 1.5rem;
}

.phone-action-circle {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.35rem auto;
  font-size: 1.1rem;
}

@media (max-width: 900px) {
  .app-tour-content {
    grid-template-columns: 1fr;
    text-align: center;
  }
}

/* ==========================================================================
   SECTION 14: HOW IT WORKS - 3-STEP ONBOARDING
   ========================================================================== */
.how-it-works-section {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  position: relative;
}

.step-card {
  background: rgba(18, 28, 66, 0.6);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition-normal);
}

.step-card:hover {
  transform: translateY(-6px);
  border-color: var(--color-indigo-400);
}

.step-number-tag {
  position: absolute;
  top: -18px;
  left: 28px;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gradient-brand);
  color: #ffffff;
  font-weight: 800;
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(99, 102, 241, 0.5);
}

.step-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0.5rem 0 0.75rem 0;
}

.step-desc {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

@media (max-width: 900px) {
  .steps-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   SECTION 15: FINANCIAL ANALYTICS & AI BUDGETING INSIGHTS
   ========================================================================== */
.analytics-section {
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border-light);
}

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

.analytics-dashboard-mock {
  background: rgba(18, 28, 66, 0.8);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-xl);
}

.budget-bar-row {
  margin-bottom: 1.25rem;
}

.budget-bar-header {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  margin-bottom: 0.4rem;
}

.budget-bar-track {
  width: 100%;
  height: 10px;
  border-radius: 5px;
  background: rgba(255, 255, 255, 0.08);
  overflow: hidden;
}

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

@media (max-width: 900px) {
  .analytics-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .analytics-dashboard-mock {
    padding: 1.5rem;
  }
}

/* ==========================================================================
   SECTION 16: TESTIMONIALS SLIDER CAROUSEL (Slide Animation)
   ========================================================================== */
.testimonials-section {
  background: var(--bg-surface-soft);
  color: var(--text-dark);
  border-bottom: 1px solid var(--border-dark);
  overflow: hidden;
}

.testimonial-carousel-container {
  max-width: 860px;
  margin: 0 auto;
  position: relative;
}

.testimonial-slides-wrapper {
  overflow: hidden;
  position: relative;
  min-height: 280px;
}

.testimonial-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  transform: translateX(100%);
  transition:
    transform 0.6s cubic-bezier(0.16, 1, 0.3, 1),
    opacity 0.6s ease;
  pointer-events: none;
}

.testimonial-slide.active {
  position: relative;
  opacity: 1;
  transform: translateX(0);
  pointer-events: auto;
}

.testimonial-card {
  background: #ffffff;
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-xl);
  padding: 3rem;
  box-shadow: 0 10px 30px rgba(15, 23, 42, 0.06);
  text-align: center;
}

.testimonial-stars {
  color: #f59e0b;
  font-size: 1.25rem;
  margin-bottom: 1.25rem;
}

.testimonial-quote {
  font-size: 1.25rem;
  font-weight: 500;
  line-height: 1.6;
  color: var(--text-dark);
  margin-bottom: 1.75rem;
  font-style: italic;
}

.testimonial-author {
  font-weight: 800;
  color: var(--text-dark);
  font-size: 1.05rem;
}

.testimonial-role {
  font-size: 0.85rem;
  color: var(--text-dark-muted);
}

.carousel-nav-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1.5rem;
  margin-top: 2rem;
}

.carousel-arrow-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #ffffff;
  border: 1px solid #cbd5e1;
  color: var(--text-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
  transition: var(--transition-fast);
}

.carousel-arrow-btn:hover {
  background: var(--color-navy-900);
  color: #ffffff;
}

.carousel-dots {
  display: flex;
  gap: 0.5rem;
}

.carousel-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: #cbd5e1;
  cursor: pointer;
  transition: var(--transition-fast);
}

.carousel-dot.active {
  width: 28px;
  border-radius: 5px;
  background: var(--color-indigo-600);
}

@media (max-width: 600px) {
  .testimonial-card {
    padding: 2rem 1.25rem;
  }
  .testimonial-quote {
    font-size: 1.05rem;
  }
}

/* ==========================================================================
   SECTION 17: TRANSPARENT PRICING TIERS
   ========================================================================== */
.pricing-section {
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border-light);
}

.pricing-billing-switch {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  margin-bottom: 3.5rem;
}

.switch-label {
  font-weight: 600;
  font-size: 0.95rem;
  color: #cbd5e1;
  cursor: pointer;
}

.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.pricing-card {
  background: rgba(18, 28, 66, 0.6);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  padding: 2.75rem 2rem;
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition-normal);
}

.pricing-card.featured {
  background: rgba(24, 38, 90, 0.85);
  border-color: var(--color-indigo-500);
  box-shadow: 0 0 40px rgba(99, 102, 241, 0.3);
  transform: scale(1.04);
}

.pricing-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gradient-brand);
  color: #ffffff;
  font-size: 0.75rem;
  font-weight: 800;
  padding: 0.35rem 1rem;
  border-radius: var(--radius-full);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.plan-name {
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 0.5rem;
}

.plan-price-row {
  display: flex;
  align-items: baseline;
  gap: 0.35rem;
  margin: 1.5rem 0 2rem 0;
}

.plan-price {
  font-family: var(--font-display);
  font-size: 3rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1;
}

.plan-features-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  margin-bottom: 2.5rem;
  font-size: 0.9rem;
  color: #cbd5e1;
}

.plan-features-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

@media (max-width: 992px) {
  .pricing-grid {
    grid-template-columns: 1fr;
  }
  .pricing-card.featured {
    transform: none;
  }
}

/* ==========================================================================
   SECTION 18: SEARCHABLE FAQ ACCORDION
   ========================================================================== */
.faq-section {
  background: var(--bg-secondary);
  border-bottom: 1px solid var(--border-light);
}

.faq-search-box {
  max-width: 540px;
  margin: 0 auto 3rem auto;
  position: relative;
}

.faq-search-input {
  width: 100%;
  padding: 1rem 1.5rem 1rem 3rem;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border-glass);
  color: #ffffff;
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.faq-search-input:focus {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--color-indigo-400);
}

.faq-search-icon {
  position: absolute;
  left: 1.25rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
}

.faq-accordion-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-md);
  background: rgba(18, 28, 66, 0.6);
  overflow: hidden;
  transition: var(--transition-fast);
}

.faq-item.active {
  border-color: var(--color-indigo-400);
  background: rgba(24, 38, 90, 0.8);
}

.faq-question-btn {
  width: 100%;
  padding: 1.35rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  text-align: left;
  font-weight: 700;
  font-size: 1.05rem;
  color: #ffffff;
}

.faq-chevron {
  transition: transform 0.3s ease;
  color: var(--color-cyan-400);
}

.faq-item.active .faq-chevron {
  transform: rotate(180deg);
}

.faq-answer-content {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1),
    padding 0.35s ease;
  padding: 0 1.75rem;
  color: #cbd5e1;
  font-size: 0.95rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer-content {
  max-height: 300px;
  padding: 0 1.75rem 1.5rem 1.75rem;
}

/* ==========================================================================
   SECTION 19: APP DOWNLOAD & COMMUNITY CTA BANNER
   ========================================================================== */
.cta-banner-section {
  background: var(--bg-primary);
  border-bottom: 1px solid var(--border-light);
  padding: 6rem 0;
}

.cta-banner-card {
  background: linear-gradient(135deg, #101935 0%, #1e1b4b 50%, #064e3b 100%);
  border: 1px solid rgba(99, 102, 241, 0.35);
  border-radius: var(--radius-xl);
  padding: 4rem 3.5rem;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 3rem;
  align-items: center;
  box-shadow: var(--shadow-xl);
  position: relative;
  overflow: hidden;
}

.cta-banner-card::before {
  content: "";
  position: absolute;
  top: -50%;
  right: -20%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(
    circle,
    rgba(6, 182, 212, 0.2) 0%,
    transparent 70%
  );
  pointer-events: none;
}

.cta-qr-box {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
  backdrop-filter: blur(10px);
}

.qr-code-graphic {
  width: 140px;
  height: 140px;
  margin: 0 auto 1rem auto;
  background: #ffffff;
  padding: 8px;
  border-radius: 12px;
}

@media (max-width: 900px) {
  .cta-banner-card {
    grid-template-columns: 1fr;
    padding: 2.5rem;
    text-align: center;
  }
  .app-badge-group {
    justify-content: center;
  }
}

@media (max-width: 600px) {
  .cta-banner-card {
    padding: 2rem 1.25rem;
  }
}

/* ==========================================================================
   SECTION 20: COMPREHENSIVE FINTECH MEGA FOOTER
   ========================================================================== */
.footer-main {
  background: #050814;
  color: #94a3b8;
  padding: 5rem 0 2.5rem 0;
  font-size: 0.9rem;
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 4rem;
}

.footer-brand-col p {
  line-height: 1.7;
  margin: 1.25rem 0;
  max-width: 320px;
}

.footer-col-title {
  color: #ffffff;
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-links-list a:hover {
  color: var(--color-cyan-300);
}

.footer-compliance-box {
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.78rem;
  line-height: 1.7;
  color: #64748b;
  margin-bottom: 2rem;
}

.footer-bottom-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
  font-size: 0.82rem;
  flex-wrap: wrap;
  gap: 1rem;
}

.system-status-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-full);
  background: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.25);
  color: var(--color-emerald-400);
  font-weight: 600;
}

@media (max-width: 992px) {
  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 600px) {
  .footer-top-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   INTERACTIVE MODAL DIALOGS & POPUPS
   ========================================================================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(4, 7, 18, 0.82);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 300;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  visibility: hidden;
  transition:
    opacity 0.3s cubic-bezier(0.16, 1, 0.3, 1),
    visibility 0.3s ease;
}

.modal-overlay.open {
  opacity: 1;
  visibility: visible;
}

.modal-card {
  width: 100%;
  max-width: 460px;
  background: #0b132e;
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.7);
  padding: 2.5rem;
  position: relative;
  transform: scale(0.92) translateY(15px);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  color: #ffffff;
}

.modal-overlay.open .modal-card {
  transform: scale(1) translateY(0);
}

@media (max-width: 480px) {
  .modal-card {
    padding: 1.75rem 1.25rem;
  }
}

.modal-close-btn {
  position: absolute;
  top: 1.25rem;
  right: 1.25rem;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  transition: var(--transition-fast);
}

.modal-close-btn:hover {
  background: rgba(255, 255, 255, 0.18);
}

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

.auth-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: #cbd5e1;
  margin-bottom: 0.5rem;
}

.auth-input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.auth-input {
  width: 100%;
  /* background: rgba(255, 255, 255, 0.05); */
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-md);
  padding: 0.85rem 1rem;
  color: #ffffff;
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.auth-input:focus {
  border-color: var(--color-indigo-400);
  /* background: rgba(255, 255, 255, 0.09); */
  box-shadow: 0 0 0 3px rgba(99, 102, 241, 0.2);
}

/* custom start */

.currency-select {
  background-color: #1e293b;
  color: white;
}

/*custom  end */

.auth-tabs {
  display: flex;
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 1.75rem;
}

.auth-tab-btn {
  flex: 1;
  padding: 0.75rem;
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--text-muted);
  text-align: center;
  border-bottom: 2px solid transparent;
  transition: var(--transition-fast);
}

.auth-tab-btn.active {
  color: #ffffff;
  border-bottom-color: var(--color-indigo-500);
}

/* Toast Notifications */
.toast-container {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 500;
  display: flex;
  flex-direction: column;
  gap: 10px;
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  background: rgba(13, 22, 51, 0.95);
  border: 1px solid var(--border-glass);
  box-shadow: var(--shadow-lg);
  border-radius: var(--radius-md);
  padding: 0.9rem 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.85rem;
  color: #ffffff;
  font-size: 0.88rem;
  backdrop-filter: blur(16px);
  animation: slideInToast 0.4s cubic-bezier(0.16, 1, 0.3, 1) forwards;
  max-width: 350px;
}

@keyframes slideInToast {
  from {
    transform: translateX(100%);
    opacity: 0;
  }
  to {
    transform: translateX(0);
    opacity: 1;
  }
}

.toast.fade-out {
  animation: fadeOutToast 0.4s ease forwards;
}

@keyframes fadeOutToast {
  from {
    transform: translateX(0);
    opacity: 1;
  }
  to {
    transform: translateX(100%);
    opacity: 0;
  }
}

/* ==========================================================================
   PWA UI STYLES - INSTALL APP BUTTON & OFFLINE INDICATORS
   ========================================================================== */
.pwa-install-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  background: rgba(6, 182, 212, 0.12);
  border: 1px solid rgba(6, 182, 212, 0.35);
  color: var(--color-cyan-300);
  padding: 0.42rem 0.95rem;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  transition: var(--transition-fast);
  cursor: pointer;
}

.pwa-install-btn:hover {
  background: rgba(6, 182, 212, 0.25);
  border-color: var(--color-cyan-400);
  color: #ffffff;
  transform: translateY(-1px);
}

.pwa-side-dock {
  position: fixed;
  right: 16px;
  bottom: 16px;
  z-index: 400;
  width: min(320px, calc(100vw - 32px));
  pointer-events: none;
  opacity: 0;
  transform: translateY(12px);
  visibility: hidden;
  transition:
    opacity 0.25s ease,
    transform 0.25s ease,
    visibility 0.25s ease;
}
.pwa-side-dock.open {
  opacity: 1;
  transform: none;
  visibility: visible;
  pointer-events: auto;
}
.pwa-side-card {
  position: relative;
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 0.75rem 0.85rem;
  align-items: center;
  padding: 1rem;
  background: #0b132e;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: 18px;
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.45);
  color: #fff;
}
.pwa-side-card img {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  grid-row: 1 / span 2;
}
.pwa-side-copy {
  min-width: 0;
}
.pwa-side-copy strong {
  display: block;
  font-size: 0.95rem;
}
.pwa-side-copy span {
  display: block;
  color: #94a3b8;
  font-size: 0.78rem;
  line-height: 1.35;
}
.pwa-side-actions {
  grid-column: 2;
  display: flex;
  gap: 0.5rem;
}
.pwa-side-close {
  position: absolute;
  top: 6px;
  right: 8px;
  width: 28px;
  height: 28px;
  border: 0;
  border-radius: 50%;
  background: transparent;
  color: #cbd5e1;
  font-size: 1.2rem;
  cursor: pointer;
}

/* Auth pages (login, register, PIN) — visual only, scoped by .auth-page-wrapper */
.auth-page-wrapper {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  background:
    radial-gradient(
      circle at 20% 20%,
      rgba(99, 102, 241, 0.18) 0%,
      transparent 40%
    ),
    radial-gradient(
      circle at 80% 80%,
      rgba(6, 182, 212, 0.15) 0%,
      transparent 40%
    ),
    var(--color-navy-950);
  padding: 2rem 1.5rem;
}
.auth-topbar,
.auth-foot {
  max-width: 1200px;
  width: 100%;
  margin: 0 auto;
}
.auth-topbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.auth-container-card,
.register-card {
  width: 100%;
  margin: 2rem auto;
  background: rgba(13, 22, 51, 0.9);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-xl);
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.6);
  color: #ffffff;
}
.auth-container-card {
  max-width: 480px;
  padding: 2.75rem 2.25rem;
}
.register-card {
  max-width: 620px;
  padding: 3rem 2.5rem;
}
.auth-error {
  background: rgba(244, 63, 94, 0.12);
  border: 1px solid rgba(244, 63, 94, 0.4);
  color: #fecdd3;
  border-radius: var(--radius-md);
  padding: 0.75rem 1rem;
  margin-bottom: 1.25rem;
  font-size: 0.88rem;
}
.auth-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.pin-boxes {
  display: flex;
  justify-content: center;
  gap: 0.65rem;
  margin: 0.5rem 0 1rem;
}
.pin-box {
  width: 56px;
  height: 64px;
  text-align: center;
  font-family: var(--font-mono);
  font-size: 1.5rem;
  font-weight: 700;
  color: #fff;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid var(--border-glass);
  border-radius: var(--radius-md);
}
.pin-box:focus {
  border-color: var(--color-indigo-400);
  box-shadow: 0 0 0 3px rgba(99, 102, 241, 0.2);
  outline: none;
}
.auth-foot {
  text-align: center;
  color: #64748b;
  font-size: 0.75rem;
}
@media (max-width: 480px) {
  .auth-page-wrapper {
    padding: 1.25rem 1rem;
  }
  .auth-container-card,
  .register-card {
    padding: 2rem 1.25rem;
    margin: 1rem auto;
  }
  .auth-split {
    grid-template-columns: 1fr;
  }
  .pin-box {
    width: 48px;
    height: 56px;
  }
}