:root {
  --primary: #0a2540;
  --accent: #00b4d8;
  --accent-light: #90e0ef;
  --bg: #f0f4f8;
  --white: #ffffff;
  --text: #1a1a2e;
  --muted: #6c757d;
  --card-bg: #ffffff;
  --border: #dee2e6;
  --gradient: linear-gradient(135deg, #0a2540 0%, #023e8a 100%);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Segoe UI', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
}

/* ── Topbar ── */
.topbar {
  background: var(--primary);
  color: #adb5bd;
  font-size: .8rem;
  padding: .4rem 0;
}
.topbar a { color: var(--accent-light); text-decoration: none; }

/* ── Navbar ── */
.navbar {
  background: var(--white);
  box-shadow: 0 2px 10px rgba(0,0,0,.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.navbar-brand { font-weight: 800; font-size: 1.4rem; color: var(--primary) !important; }
.navbar-brand span { color: var(--accent); }
.nav-link { color: var(--text) !important; font-weight: 500; }
.nav-link:hover { color: var(--accent) !important; }
.btn-open-account {
  background: var(--accent);
  color: var(--white);
  border: none;
  border-radius: 25px;
  padding: .45rem 1.2rem;
  font-weight: 600;
  transition: background .2s;
}
.btn-open-account:hover { background: #0096c7; color: var(--white); }

/* ── Hero ── */
.hero {
  background: var(--gradient);
  color: var(--white);
  padding: 100px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  background: rgba(0,180,216,.15);
  border-radius: 50%;
  top: -100px; right: -100px;
}
.hero h1 { font-size: clamp(2rem, 4vw, 3.2rem); font-weight: 800; line-height: 1.2; }
.hero .lead { color: var(--accent-light); font-size: 1.1rem; }
.hero-badge {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 25px;
  padding: .35rem .9rem;
  font-size: .8rem;
  margin-bottom: 1.5rem;
}
.stat-box {
  text-align: center;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 12px;
  padding: 1.2rem;
}
.stat-box .num { font-size: 1.8rem; font-weight: 800; color: var(--accent-light); }
.stat-box .lbl { font-size: .8rem; opacity: .8; }

/* ── Bank Card ── */
.bank-card {
  background: linear-gradient(135deg, #00b4d8, #0077b6);
  border-radius: 18px;
  padding: 2rem;
  color: #fff;
  min-width: 300px;
  box-shadow: 0 20px 50px rgba(0,0,0,.3);
}
.bank-card .card-num { font-size: 1.3rem; letter-spacing: 4px; margin: 1.5rem 0; }
.bank-card .card-footer-row { display: flex; justify-content: space-between; font-size: .8rem; }

/* ── Section common ── */
section { padding: 80px 0; }
.section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--primary);
}
.section-label {
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: 2px;
  color: var(--accent);
  text-transform: uppercase;
}

/* ── Service Cards ── */
.services-bg { background: var(--white); }
.service-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 1.8rem;
  transition: transform .2s, box-shadow .2s;height: 100%;
}
.service-card:hover { transform: translateY(-5px); box-shadow: 0 15px 35px rgba(0,0,0,.1); }
.service-icon {
  width: 55px; height: 55px;
  background: linear-gradient(135deg, var(--accent), #0077b6);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1rem;
  font-size: 1.4rem; color: #fff;
}
.service-card h5 { font-weight: 700; color: var(--primary); margin-bottom: .5rem; }
.service-card p { color: var(--muted); font-size: .9rem; }

/* ── Stats bar ── */
.stats-bar { background: var(--gradient); color: #fff; padding: 50px 0; }
.stat-item .big { font-size: 2.5rem; font-weight: 800; color: var(--accent-light); }
.stat-item .sm  { font-size: .85rem; opacity: .8; }

/* ── Calculator ── */
.calc-section { background: var(--bg); }
.calc-card {
  background: var(--white);
  border-radius: 20px;
  padding: 2.5rem;
  box-shadow: 0 10px 40px rgba(0,0,0,.08);
}
.result-card {
  background: var(--gradient);
  color: #fff;
  border-radius: 16px;
  padding: 2rem;
}
.result-card .big-num { font-size: 2.5rem; font-weight: 800; color: var(--accent-light); }
input[type=range] { accent-color: var(--accent); }

/* ── Why Choose ── */
.why-bg { background: var(--white); }
.feature-item { display: flex; gap: 1rem; margin-bottom: 1.8rem; }
.feature-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--accent), #0077b6);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.2rem;
}
.feature-item h6 { font-weight: 700; color: var(--primary); }
.feature-item p  { font-size: .88rem; color: var(--muted); margin: 0; }

/* ── Testimonials ── */
.testimonials-bg { background: var(--bg); }
.testimonial-card {
  background: var(--white);
  border-radius: 16px;
  padding: 2rem;
  box-shadow: 0 5px 20px rgba(0,0,0,.06);
}
.avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700;
}
.stars { color: #f4b942; }

/* ── News ── */
.news-bg { background: var(--white); }
.news-card {
  background: var(--card-bg);
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid var(--border);
  transition: transform .2s, box-shadow .2s;
}
.news-card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(0,0,0,.1); }
.news-card img { height: 200px; width: 100%; object-fit: cover; }
.news-body { padding: 1.5rem; }
.news-tag {
  font-size: .75rem; font-weight: 700; letter-spacing: 1px;
  color: var(--accent); text-transform: uppercase;
}

/* ── CTA ── */
.cta-section {
  background: var(--gradient);
  color: #fff;
  padding: 80px 0;
  text-align: center;
}
.btn-cta {
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: 30px;
  padding: .8rem 2.5rem;
  font-size: 1.1rem;
  font-weight: 700;
  text-decoration: none;
  display: inline-block;
  transition: background .2s, transform .2s;
}
.btn-cta:hover { background: #0096c7; color: #fff; transform: scale(1.04); }
.btn-cta-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,.5);
  border-radius: 30px;
  padding: .8rem 2.5rem;
  font-size: 1.1rem;
  font-weight: 700;
  text-decoration: none;
  display: inline-block;
  transition: all .2s;
  margin-left: 1rem;
}
.btn-cta-outline:hover { background: rgba(255,255,255,.1); color: #fff; }

/* ── Contact ── */
.contact-bg { background: var(--bg); }
.contact-card {
  background: var(--white);
  border-radius: 16px;
  padding: 2.5rem;
  box-shadow: 0 8px 30px rgba(0,0,0,.07);
}
.contact-info-item { display: flex; gap: 1rem; margin-bottom: 1.5rem; align-items: flex-start; }
.contact-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--accent), #0077b6);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
}
.form-control, .form-select {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: .75rem 1rem;
  transition: border-color .2s, box-shadow .2s;
}
.form-control:focus, .form-select:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(0,180,216,.15);
  outline: none;
}
.btn-submit {
  background: var(--gradient);
  color: #fff;
  border: none;
  border-radius: 10px;
  padding: .8rem 2rem;
  font-weight: 600;
  width: 100%;
  transition: opacity .2s;
}
.btn-submit:hover { opacity: .9; }

/* ── Footer ── */
footer {
  background: var(--primary);
  color: #adb5bd;
  padding: 60px 0 20px;
}
footer h6 { color: var(--white); font-weight: 700; margin-bottom: 1rem; }
footer a { color: #adb5bd; text-decoration: none; display: block; margin-bottom: .4rem; }
footer a:hover { color: var(--accent-light); }
.footer-brand { font-size: 1.5rem; font-weight: 800; color: var(--white); }
.footer-brand span { color: var(--accent); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 1.5rem;
  margin-top: 3rem;
  font-size: .85rem;
}
.fdic-badge {
  background: #1b4332;
  color: #95d5b2;
  border: 1px solid #2d6a4f;
  border-radius: 6px;
  padding: .25rem .7rem;
  font-size: .75rem;
  font-weight: 700;
}
/* Dropdown */
.dropdown-menu { min-width: 210px; padding: .5rem; }
.dropdown-item {
  border-radius: 8px;
  padding: .55rem .9rem;
  font-size: .9rem;
  transition: background .15s;
}
.dropdown-item:hover { background: rgba(0,180,216,.08); color: var(--primary); }
.text-accent { color: var(--accent) !important; }

/* Active nav link */
.nav-link.active {
  color: var(--accent) !important;
  font-weight: 600;
}
.nav-link.active::after {
  content: '';
  display: block;
  height: 2px;
  background: var(--accent);
  border-radius: 2px;margin-top: 2px;
}

/* ── Page Loader ── */
#page-loader {
  position: fixed;
  inset: 0;
  background: var(--gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 99999;
  transition: opacity .5s ease, visibility .5s ease;
}

#page-loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-inner {
  text-align: center;
  color: #fff;
}

.loader-logo {
  font-size: 2.2rem;
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 2rem;
  animation: pulse 1.5s ease-in-out infinite;
}

.loader-logo i {
  margin-right: .4rem;
  color: var(--accent-light);
}

.loader-logo span { color: var(--accent); }

.loader-bar {
  width: 220px;
  height: 4px;
  background: rgba(255,255,255,.2);
  border-radius: 999px;
  overflow: hidden;
  margin: 0 auto 1rem;
}

.loader-progress {
  height: 100%;
  width: 0%;
  background: var(--accent);
  border-radius: 999px;
  animation: load 1.8s ease forwards;
}

.loader-text {
  font-size: .8rem;
  letter-spacing: 2px;
  text-transform: uppercase;
  opacity: .6;
  margin: 0;
}

@keyframes load {
  0%   { width: 0%; }
  60%  { width: 75%; }
  100% { width: 100%; }
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: .8; transform: scale(1.03); }
}
/* ── Auth Pages ── */
.auth-section {
  background: var(--bg);
  padding: 60px 0;
  min-height: calc(100vh - 140px);
}
.min-vh-75 { min-height: 75vh; }

.auth-card {
  background: var(--white);
  border-radius: 20px;
  padding: 2.5rem;
  box-shadow: 0 10px 50px rgba(10,37,64,.1);
  border: 1px solid var(--border);
}

.auth-card-header {
  text-align: center;
  margin-bottom: 2rem;
}
.auth-icon {
  width: 64px; height: 64px;
  background: var(--gradient);
  border-radius: 18px;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.6rem; color: #fff;
  margin-bottom: 1rem;
}
.auth-card-header h2 { font-weight: 800; color: var(--primary); font-size: 1.6rem; }
.auth-card-header p  { color: var(--muted); margin: 0; font-size: .95rem; }

/* Input with icon */
.input-icon-wrap {
  position: relative;
}
.input-icon-wrap > i:first-child {
  position: absolute;
  left: 14px; top: 50%; transform: translateY(-50%);
  color: var(--muted); font-size: .95rem; pointer-events: none;
  z-index: 2;
}
.auth-input {
  padding-left: 2.5rem !important;
  border-radius: 10px !important;
  border: 1.5px solid var(--border) !important;
  height: 48px;
  transition: border-color .2s, box-shadow .2s;
}
.auth-input:focus {
  border-color: var(--accent) !important;
  box-shadow: 0 0 0 3px rgba(0,180,216,.12) !important;
}
select.auth-input { padding-right: 2.5rem !important; }

.toggle-pass {
  position: absolute;
  right: 12px; top: 50%; transform: translateY(-50%);
  background: none; border: none;
  color: var(--muted); cursor: pointer; padding: 0;
  z-index: 2;
}
.toggle-pass:hover { color: var(--accent); }

/* Submit button */
.btn-auth {
  background: var(--gradient);
  color: #fff;
  border: none;
  border-radius: 10px;
  padding: .85rem;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: opacity .2s, transform .15s;
}
.btn-auth:hover { opacity: .9; transform: translateY(-1px); }

/* Divider */
.auth-divider {
  display: flex; align-items: center; gap: 1rem;
  margin: 1.5rem 0; color: var(--muted); font-size: .85rem;
}
.auth-divider::before,
.auth-divider::after { content: ''; flex: 1; height: 1px; background: var(--border); }

.auth-link { color: var(--accent); text-decoration: none; }
.auth-link:hover { text-decoration: underline; }

/* Registration steps */
.reg-steps {
  display: flex; align-items: center; justify-content: center; gap: 0;
}
.reg-step {
  display: flex; align-items: center; gap: .4rem;
  font-size: .8rem; color: var(--muted); font-weight: 600;
}
.reg-step span {
  width: 26px; height: 26px; border-radius: 50%;
  background: var(--border); color: var(--muted);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: .75rem; font-weight: 700;
}
.reg-step.active { color: var(--accent); }
.reg-step.active span { background: var(--accent); color: #fff; }
.reg-step-line { flex: 1; height: 2px; background: var(--border); min-width: 40px; margin: 0 .5rem; }

/* Password strength */
.strength-track {
  height: 4px; background: var(--border);
  border-radius: 999px; overflow: hidden;
}
.strength-fill {
  height: 100%; width: 0%;
  border-radius: 999px;
  transition: width .3s, background .3s;
}