/* ==========================================================================
   HopeLink SACCO — Core Stylesheet
   Design language: "The Link" — a quiet connecting line/node motif drawn
   from the mark in the logo, paired with a disciplined teal/gold palette.
   ========================================================================== */

:root {
  /* ---- Color: derived from the HopeLink logo ---- */
  --primary: #1d9187;
  --primary-dark: #0f4944;
  --primary-darker: #0a2e2b;
  --primary-light: #e6f3f1;
  --secondary: #0b3b37;
  --accent: #f6cb15;
  --accent-dark: #c9a30f;
  --background: #f7f9f8;
  --surface: #ffffff;
  --text: #10201d;
  --muted: #5c6b68;
  --muted-light: #8a9895;
  --border: #e1e8e6;
  --success: #1d9187;
  --danger: #c0402f;

  /* ---- Type ---- */
  --font-display: 'Plus Jakarta Sans', 'Noto Sans Ethiopic', sans-serif;
  --font-body: 'Inter', 'Noto Sans Ethiopic', sans-serif;

  /* ---- Scale ---- */
  --step--1: clamp(0.83rem, 0.8rem + 0.15vw, 0.9rem);
  --step-0: clamp(1rem, 0.96rem + 0.2vw, 1.1rem);
  --step-1: clamp(1.2rem, 1.12rem + 0.4vw, 1.4rem);
  --step-2: clamp(1.44rem, 1.3rem + 0.7vw, 1.8rem);
  --step-3: clamp(1.9rem, 1.6rem + 1.4vw, 2.5rem);
  --step-4: clamp(2.4rem, 2rem + 2vw, 3.4rem);
  --step-5: clamp(3rem, 2.3rem + 3.4vw, 4.6rem);

  /* ---- Layout ---- */
  --container: 1240px;
  --container-narrow: 780px;
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 22px;
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --section-pad: clamp(3.5rem, 8vw, 7rem);

  --shadow-sm: 0 1px 3px rgba(10, 46, 43, 0.08);
  --shadow-md: 0 8px 30px rgba(10, 46, 43, 0.1);
  --shadow-lg: 0 20px 60px rgba(10, 46, 43, 0.16);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

body, h1, h2, h3, h4, p, figure, blockquote, dl, dd, ul, ol {
  margin: 0;
}
ul[class], ol[class] { list-style: none; padding: 0; }
img, picture { max-width: 100%; display: block; }
input, button, textarea, select { font: inherit; color: inherit; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; background: none; border: none; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--background);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--primary-darker);
  line-height: 1.14;
  font-weight: 700;
  letter-spacing: -0.01em;
}

h1 { font-size: var(--step-5); }
h2 { font-size: var(--step-4); }
h3 { font-size: var(--step-2); }
h4 { font-size: var(--step-1); }

p { color: var(--muted); max-width: 62ch; }
p.lead { font-size: var(--step-1); color: var(--text); max-width: 46ch; }

:focus-visible {
  outline: 3px solid var(--accent-dark);
  outline-offset: 3px;
  border-radius: 4px;
}

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 1rem; top: -60px;
  background: var(--primary-darker); color: #fff;
  padding: 0.75rem 1.25rem; border-radius: var(--radius-sm);
  z-index: 1000; transition: top 0.2s var(--ease);
}
.skip-link:focus { top: 1rem; }

/* ---- Layout helpers ---- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}
.container--narrow { max-width: var(--container-narrow); }

.section { padding-block: var(--section-pad); position: relative; }
.section--tight { padding-block: clamp(2.5rem, 5vw, 4rem); }
.section--surface { background: var(--surface); }
.section--deep {
  background: linear-gradient(160deg, var(--primary-darker) 0%, var(--secondary) 62%, var(--primary-dark) 100%);
  color: #eaf3f1;
}
.section--deep h2, .section--deep h3, .section--deep h4 { color: #fff; }
.section--deep p { color: #b9cdc9; }
.section--tint { background: var(--primary-light); }

.section-head {
  display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between;
  gap: 1.5rem; margin-bottom: clamp(2rem, 4vw, 3.25rem);
}
.section-head h2 { max-width: 20ch; }
.section-head .section-kicker + h2 { margin-top: 0.6rem; }
.section-head-link { flex-shrink: 0; }

.section-kicker {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-family: var(--font-display); font-weight: 600;
  font-size: var(--step--1); color: var(--primary);
}
.section-kicker::before {
  content: ''; width: 22px; height: 2px; background: var(--accent-dark); border-radius: 2px;
}

.grid { display: grid; gap: clamp(1.25rem, 3vw, 2rem); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem;
  font-family: var(--font-display); font-weight: 600; font-size: var(--step--1);
  padding: 0.95rem 1.7rem; border-radius: 999px;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.2s var(--ease), color 0.2s var(--ease);
  white-space: nowrap; min-height: 48px;
  border: 1.5px solid transparent;
}
.btn-primary { background: var(--accent); color: var(--primary-darker); }
.btn-primary:hover { background: var(--accent-dark); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-outline { border-color: currentColor; color: inherit; }
.section--surface .btn-outline, .section--tint .btn-outline, body .btn-outline {
  border-color: var(--primary-darker); color: var(--primary-darker);
}
.section--deep .btn-outline, .hero .btn-outline, .page-hero .btn-outline {
  border-color: #fff; color: #fff;
}
.btn-outline:hover,
.section--surface .btn-outline:hover,
.section--tint .btn-outline:hover,
.section--deep .btn-outline:hover,
.hero .btn-outline:hover,
.page-hero .btn-outline:hover,
.nav-cta .btn-outline:hover,
.mobile-drawer__cta .btn-outline:hover {
  background: var(--primary-darker);
  border-color: var(--primary-darker);
  color: #fff !important;
  transform: translateY(-2px);
}
.btn-ghost { color: var(--primary); font-weight: 600; padding: 0.4rem 0; min-height: auto; }
.btn-ghost::after { content: '→'; margin-left: 0.4rem; display: inline-block; transition: transform 0.2s var(--ease); }
.btn-ghost:hover::after { transform: translateX(4px); }
.btn-sm { padding: 0.65rem 1.2rem; font-size: 0.85rem; min-height: 40px; }
.btn-block { width: 100%; }

/* ==========================================================================
   Header / Navigation — Clean version (no top bar styling)
   ========================================================================== */
.site-header {
  position: sticky; top: 0; z-index: 500;
  background: rgba(247, 249, 248, 0.92);
  backdrop-filter: blur(14px) saturate(140%);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s var(--ease), box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}
.site-header.is-scrolled {
  border-color: var(--border);
  box-shadow: 0 4px 24px rgba(10,46,43,0.06);
}
.nav-bar {
  display: flex; align-items: center; justify-content: space-between;
  gap: 1.2rem; padding-block: 0.7rem;
}
.brand { display: flex; align-items: center; gap: 0.6rem; flex-shrink: 0; }
.brand img { height: 32px; width: auto; }

.nav-primary { display: flex; align-items: center; }
.nav-primary > ul { display: flex; align-items: center; gap: 0.1rem; }
.nav-primary > ul > li { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 0.35rem;
  padding: 0.6rem 0.85rem; font-weight: 600; font-size: var(--step--1);
  color: var(--primary-darker); border-radius: var(--radius-sm);
  transition: color 0.2s var(--ease), background 0.2s var(--ease);
}
.nav-link:hover, .nav-link[aria-current="page"] { color: var(--primary); }
.has-dropdown > .nav-link::after {
  content: ''; width: 6px; height: 6px; margin-top: -2px;
  border-right: 1.6px solid currentColor; border-bottom: 1.6px solid currentColor;
  transform: rotate(45deg); transition: transform 0.2s var(--ease);
}
.has-dropdown:hover > .nav-link::after,
.has-dropdown:focus-within > .nav-link::after { transform: rotate(225deg); margin-top: 2px; }

.dropdown {
  position: absolute; top: 100%; left: 0; min-width: 240px;
  background: var(--surface); border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg); border: 1px solid var(--border);
  padding: 0.5rem; opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease), visibility 0.2s;
}
.has-dropdown:hover > .dropdown,
.has-dropdown:focus-within > .dropdown { opacity: 1; visibility: visible; transform: translateY(4px); }
.nav-primary > ul > li.has-dropdown:nth-last-child(-n+3) .dropdown { left: auto; right: 0; }
.dropdown a {
  display: block; padding: 0.55rem 0.8rem; border-radius: var(--radius-sm);
  font-size: 0.88rem; color: var(--text); font-weight: 500;
}
.dropdown a:hover { background: var(--primary-light); color: var(--primary-darker); }

.nav-cta { display: flex; align-items: center; gap: 0.6rem; flex-shrink: 0; }
.nav-cta .btn-outline { border-color: var(--primary); color: var(--primary-darker); }

/* ---- Mobile toggle ---- */
.menu-toggle {
  display: none; flex-direction: column; gap: 5px; padding: 0.5rem;
  width: 40px; height: 40px; align-items: center; justify-content: center;
}
.menu-toggle span { width: 20px; height: 2px; background: var(--primary-darker); border-radius: 2px; transition: transform 0.25s var(--ease), opacity 0.25s var(--ease); }

/* ---- Mobile drawer ---- */
.mobile-drawer {
  position: fixed; inset: 0; z-index: 600; visibility: hidden;
}
.mobile-drawer__backdrop {
  position: absolute; inset: 0; background: rgba(10,20,18,0.5);
  opacity: 0; transition: opacity 0.3s var(--ease);
}
.mobile-drawer__panel {
  position: absolute; top: 0; right: 0; bottom: 0; width: min(88vw, 380px);
  background: var(--surface); padding: 1.5rem; overflow-y: auto;
  transform: translateX(100%); transition: transform 0.35s var(--ease);
  display: flex; flex-direction: column; gap: 1.2rem;
}
.mobile-drawer.is-open { visibility: visible; }
.mobile-drawer.is-open .mobile-drawer__backdrop { opacity: 1; }
.mobile-drawer.is-open .mobile-drawer__panel { transform: translateX(0); }
.mobile-drawer__head { display: flex; justify-content: space-between; align-items: center; }
.mobile-drawer__head img { height: 28px; }
.mobile-drawer__close { width: 40px; height: 40px; font-size: 1.4rem; color: var(--primary-darker); }
.mobile-accordion details {
  border-bottom: 1px solid var(--border); padding-block: 0.2rem;
}
.mobile-accordion summary {
  display: flex; justify-content: space-between; align-items: center;
  padding: 0.7rem 0.2rem; font-weight: 700; font-family: var(--font-display);
  font-size: 0.98rem; color: var(--primary-darker); list-style: none; cursor: pointer;
}
.mobile-accordion summary::-webkit-details-marker { display: none; }
.mobile-accordion summary::after {
  content: '+'; font-size: 1.2rem; color: var(--primary); transition: transform 0.2s var(--ease);
}
.mobile-accordion details[open] summary::after { content: '–'; }
.mobile-accordion a, .mobile-accordion .mobile-top-link {
  display: block; padding: 0.5rem 0.4rem; color: var(--text); font-weight: 500; font-size: 0.92rem;
}
.mobile-drawer__cta { display: flex; flex-direction: column; gap: 0.6rem; margin-top: auto; padding-top: 1rem; border-top: 1px solid var(--border); }
.mobile-drawer__cta .btn { width: 100%; }
body.no-scroll { overflow: hidden; }

/* ---- Responsive nav ---- */
@media (max-width: 1040px) {
  .nav-primary > ul > li:not(.has-dropdown) .nav-link {
    padding: 0.6rem 0.6rem;
    font-size: 0.78rem;
  }
  .nav-link {
    font-size: 0.78rem;
    padding: 0.5rem 0.6rem;
  }
  .btn-sm {
    font-size: 0.7rem;
    padding: 0.4rem 0.8rem;
    min-height: 32px;
  }
}

@media (max-width: 880px) {
  .nav-primary,
  .nav-cta .btn-outline {
    display: none;
  }
  .menu-toggle {
    display: flex;
  }
  .nav-cta .btn-primary {
    font-size: 0.75rem;
    padding: 0.45rem 0.9rem;
    min-height: 34px;
  }
}

@media (max-width: 560px) {
  .nav-cta .btn-primary {
    font-size: 0.65rem;
    padding: 0.35rem 0.7rem;
    min-height: 30px;
  }
  .brand img {
    height: 26px;
  }
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(150deg, var(--primary-darker) 0%, var(--secondary) 55%, var(--primary-dark) 100%);
  color: #fff; padding-block: clamp(3rem, 8vw, 6rem);
}
.hero::before {
  content: ''; position: absolute; inset: 0; opacity: 0.5; pointer-events: none;
  background-image:
    radial-gradient(circle at 15% 20%, rgba(246,203,21,0.14), transparent 40%),
    radial-gradient(circle at 85% 75%, rgba(29,145,135,0.35), transparent 45%);
}
.hero-grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4rem);
  align-items: center; position: relative; z-index: 2;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 0.5rem;
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2);
  padding: 0.5rem 1rem; border-radius: 999px; font-size: 0.82rem; font-weight: 600;
  margin-bottom: 1.5rem; color: #eaf3f1;
}
.hero-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--accent); }
.hero h1 { color: #fff; margin-bottom: 1.25rem; max-width: 13ch; }
.hero p.lead { color: #c7dbd7; margin-bottom: 2.2rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; }

.hero-visual { position: relative; height: clamp(320px, 40vw, 460px); }
.hero-visual__base {
  position: absolute; inset: 8% 4%; border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(29,145,135,0.55), rgba(11,59,55,0.85));
  border: 1px solid rgba(255,255,255,0.14);
  overflow: hidden;
}
.hero-visual__base svg { width: 100%; height: 100%; }
.float-card {
  position: absolute; background: rgba(16,32,29,0.72); backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.16); border-radius: var(--radius-md);
  padding: 0.9rem 1.1rem; box-shadow: var(--shadow-lg); font-family: var(--font-display);
  animation: float 6s ease-in-out infinite;
}
.float-card--savings { top: 8%; left: -4%; animation-delay: 0s; }
.float-card--loan { bottom: 10%; right: -6%; animation-delay: 1.4s; }
.float-card--secure { bottom: 30%; left: 2%; animation-delay: 2.8s; }
.float-card .fc-label { font-size: 0.72rem; color: #a9c4bf; font-weight: 600; }
.float-card .fc-value { font-size: 1.15rem; font-weight: 700; color: #fff; }
@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}
@media (prefers-reduced-motion: reduce) {
  .float-card { animation: none; }
}
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { height: clamp(220px, 50vw, 340px); }
}
@media (max-width: 560px) {
  .hero-actions .btn { width: 100%; justify-content: center; }
}

/* ==========================================================================
   Stats
   ========================================================================== */
.stats-bar {
  background: var(--surface); border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  padding-block: clamp(2rem, 4vw, 2.75rem);
}
.stat-item {
  text-align: center; padding-inline: 1rem;
  border-left: 1px solid var(--border);
}
.stat-item:first-child { border-left: none; }
.stat-value {
  font-family: var(--font-display); font-weight: 800;
  font-size: clamp(1.9rem, 4vw, 2.7rem); color: var(--primary-darker);
  display: flex; align-items: baseline; justify-content: center; gap: 0.2rem;
}
.stat-label { color: var(--muted); font-size: 0.9rem; margin-top: 0.25rem; }
@media (max-width: 760px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem 0; }
  .stat-item:nth-child(3) { border-left: none; }
}

/* ==========================================================================
   Connector motif (used between sections sparingly)
   ========================================================================== */
.link-rule {
  display: flex; align-items: center; gap: 0.6rem; color: var(--muted-light);
  margin-block: 0.5rem 2rem;
}
.link-rule::before, .link-rule::after { content: ''; flex: 1; height: 1px; background: var(--border); }
.link-rule .node { width: 8px; height: 8px; border-radius: 50%; border: 2px solid var(--primary); }

/* ==========================================================================
   About preview / split sections
   ========================================================================== */
.split {
  display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center;
}
.split--reverse .split-media { order: 2; }
.split-media { position: relative; }
.split-media__frame {
  border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5; position: relative;
  background: linear-gradient(150deg, var(--primary), var(--primary-darker));
}
.split-media__frame svg { width: 100%; height: 100%; }
.split-media__badge {
  position: absolute; bottom: -1.4rem; left: -1.4rem;
  background: var(--surface); border-radius: var(--radius-md); box-shadow: var(--shadow-lg);
  padding: 1rem 1.3rem; display: flex; align-items: center; gap: 0.8rem; max-width: 250px;
}
.split-media__badge .icon-circle { flex-shrink: 0; }
.split-copy p { margin-block: 1.1rem 1.5rem; }
@media (max-width: 860px) {
  .split, .split--reverse { grid-template-columns: 1fr; }
  .split--reverse .split-media { order: 0; }
}

.icon-circle {
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--primary-light); color: var(--primary-darker);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.icon-circle svg { width: 22px; height: 22px; }
.icon-circle--dark { background: var(--primary-darker); color: var(--accent); }

/* ==========================================================================
   Cards: services / loans / savings / news / branches
   ========================================================================== */
.card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-md); padding: 2rem 1.7rem;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: transparent; }
.card .icon-circle { margin-bottom: 1.3rem; }
.card h3 { font-size: var(--step-1); margin-bottom: 0.6rem; }
.card p { font-size: 0.94rem; margin-bottom: 1.1rem; }

.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.why-item { background: var(--surface); padding: 2rem 1.5rem; }
.why-item .num { font-family: var(--font-display); font-weight: 800; color: var(--primary-light); font-size: 2.1rem; display: block; margin-bottom: 0.6rem; }
.why-item h4 { font-size: 1rem; margin-bottom: 0.4rem; }
.why-item p { font-size: 0.88rem; }
@media (max-width: 900px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }

.product-card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md);
  padding: 1.8rem; display: flex; flex-direction: column; gap: 0.9rem;
  transition: box-shadow 0.3s var(--ease), transform 0.3s var(--ease);
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.product-card .tag { font-size: 0.75rem; font-weight: 700; color: var(--primary); }
.product-card .rate { font-family: var(--font-display); font-weight: 700; color: var(--primary-darker); font-size: 1.1rem; margin-top: auto; padding-top: 0.6rem; border-top: 1px dashed var(--border); }

/* ==========================================================================
   Timeline / member journey
   ========================================================================== */
.journey {
  display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.5rem; position: relative;
}
.journey::before {
  content: ''; position: absolute; top: 26px; left: 6%; right: 6%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--border) 0 8px, transparent 8px 14px);
}
.journey-step { position: relative; z-index: 2; text-align: left; }
.journey-step .jnum {
  width: 52px; height: 52px; border-radius: 50%; background: var(--surface);
  border: 2px solid var(--primary); color: var(--primary-darker);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; margin-bottom: 1.1rem;
}
.journey-step h4 { font-size: 1rem; margin-bottom: 0.4rem; }
.journey-step p { font-size: 0.86rem; }
@media (max-width: 900px) {
  .journey { grid-template-columns: 1fr 1fr; }
  .journey::before { display: none; }
}
@media (max-width: 560px) { .journey { grid-template-columns: 1fr; } }

/* ==========================================================================
   Digital / phone mockup
   ========================================================================== */
.phone-mock {
  width: min(280px, 70vw); aspect-ratio: 9/18.5; margin-inline: auto;
  background: var(--primary-darker); border-radius: 42px; padding: 12px;
  box-shadow: var(--shadow-lg); border: 2px solid rgba(255,255,255,0.08); position: relative;
}
.phone-mock__screen {
  width: 100%; height: 100%; background: linear-gradient(160deg, #0d2b28, #123a35);
  border-radius: 30px; overflow: hidden; padding: 1.4rem 1.1rem; display: flex; flex-direction: column; gap: 0.9rem;
  position: relative;
}
.phone-mock__notch { position: absolute; top: 10px; left: 50%; transform: translateX(-50%); width: 60px; height: 18px; background: var(--primary-darker); border-radius: 10px; }
.phone-mock__row { display: flex; justify-content: space-between; align-items: center; margin-top: 1.6rem; }
.phone-mock__greet { color: #9fc0bb; font-size: 0.68rem; }
.phone-mock__name { color: #fff; font-weight: 700; font-size: 0.85rem; }
.phone-mock__balance { background: rgba(246,203,21,0.12); border: 1px solid rgba(246,203,21,0.3); border-radius: 14px; padding: 1rem; }
.phone-mock__balance .lbl { color: #d8cf9c; font-size: 0.62rem; }
.phone-mock__balance .val { color: var(--accent); font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; }
.phone-mock__pill { background: rgba(255,255,255,0.06); border-radius: 12px; padding: 0.7rem 0.85rem; display: flex; justify-content: space-between; align-items: center; }
.phone-mock__pill span { color: #cfe4e0; font-size: 0.72rem; }
.phone-mock__pill .amt { color: #fff; font-weight: 700; font-size: 0.78rem; }

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testi-track { position: relative; max-width: 760px; margin-inline: auto; text-align: center; }
.testi-slide { display: none; }
.testi-slide.is-active { display: block; animation: fadein 0.5s var(--ease); }
@keyframes fadein { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.testi-quote { font-family: var(--font-display); font-size: var(--step-2); color: var(--primary-darker); font-weight: 600; line-height: 1.4; }
.testi-person { display: flex; align-items: center; justify-content: center; gap: 0.8rem; margin-top: 1.8rem; }
.testi-avatar { width: 52px; height: 52px; border-radius: 50%; background: var(--primary-light); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 700; color: var(--primary-darker); }
.testi-name { font-weight: 700; font-family: var(--font-display); }
.testi-role { font-size: 0.85rem; color: var(--muted); }
.testi-controls { display: flex; justify-content: center; gap: 0.6rem; margin-top: 2rem; }
.testi-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--border); }
.testi-dot.is-active { background: var(--primary); width: 22px; border-radius: 5px; }

/* ==========================================================================
   News / articles
   ========================================================================== */
.news-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; display: flex; flex-direction: column; transition: box-shadow 0.3s var(--ease), transform 0.3s var(--ease); }
.news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.news-card__img { aspect-ratio: 16/10; background: linear-gradient(135deg, var(--primary-light), #dcefeb); position: relative; }
.news-card__img svg { width: 100%; height: 100%; }
.news-card__cat { position: absolute; top: 0.9rem; left: 0.9rem; background: var(--primary-darker); color: #fff; font-size: 0.7rem; font-weight: 700; padding: 0.3rem 0.7rem; border-radius: 999px; }
.news-card__body { padding: 1.4rem 1.4rem 1.6rem; display: flex; flex-direction: column; gap: 0.6rem; flex: 1; }
.news-card__date { font-size: 0.78rem; color: var(--muted-light); }
.news-card__body h3 { font-size: 1.08rem; }
.news-card__body p { font-size: 0.9rem; margin-bottom: 0.4rem; }

/* ==========================================================================
   FAQ accordion
   ========================================================================== */
.faq-list { max-width: var(--container-narrow); margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  padding: 1.4rem 0.2rem; text-align: left; font-family: var(--font-display); font-weight: 700;
  font-size: 1.02rem; color: var(--primary-darker);
}
.faq-q .plus { width: 26px; height: 26px; border-radius: 50%; border: 1.5px solid var(--primary); position: relative; flex-shrink: 0; transition: transform 0.3s var(--ease), background 0.3s var(--ease); }
.faq-q .plus::before, .faq-q .plus::after { content: ''; position: absolute; background: var(--primary); top: 50%; left: 50%; transform: translate(-50%,-50%); }
.faq-q .plus::before { width: 10px; height: 1.6px; }
.faq-q .plus::after { width: 1.6px; height: 10px; transition: opacity 0.2s; }
.faq-item.is-open .faq-q .plus { background: var(--primary); transform: rotate(180deg); }
.faq-item.is-open .faq-q .plus::before, .faq-item.is-open .faq-q .plus::after { background: #fff; }
.faq-item.is-open .faq-q .plus::after { opacity: 0; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s var(--ease); }
.faq-a p { padding-bottom: 1.4rem; font-size: 0.95rem; max-width: 68ch; }

/* ==========================================================================
   Forms
   ========================================================================== */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.form-field { display: flex; flex-direction: column; gap: 0.4rem; }
.form-field.full { grid-column: 1 / -1; }
.form-field label { font-weight: 600; font-size: 0.88rem; color: var(--primary-darker); }
.form-field .req { color: var(--danger); }
.form-field input, .form-field select, .form-field textarea {
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  padding: 0.85rem 1rem; background: var(--surface); font-size: 0.95rem;
  transition: border-color 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  border-color: var(--primary); box-shadow: 0 0 0 4px rgba(29,145,135,0.12); outline: none;
}
.form-field small { font-size: 0.78rem; color: var(--muted-light); }
.form-field.has-error input, .form-field.has-error select, .form-field.has-error textarea { border-color: var(--danger); }
.field-error { font-size: 0.78rem; color: var(--danger); display: none; }
.form-field.has-error .field-error { display: block; }
.check-field { display: flex; gap: 0.7rem; align-items: flex-start; grid-column: 1 / -1; }
.check-field input { margin-top: 0.3rem; width: 18px; height: 18px; accent-color: var(--primary); }
.check-field label { font-weight: 500; font-size: 0.88rem; color: var(--text); }

.success-panel {
  display: none; text-align: center; padding: clamp(2.5rem, 6vw, 4rem) 1.5rem;
}
.success-panel.is-visible { display: block; animation: fadein 0.4s var(--ease); }
.success-panel .icon-circle { margin-inline: auto; width: 72px; height: 72px; background: var(--primary-light); }
.success-panel .icon-circle svg { width: 34px; height: 34px; }
.success-panel h3 { margin-block: 1.2rem 0.6rem; }

/* ==========================================================================
   Branch directory
   ========================================================================== */
.branch-toolbar { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 2.2rem; }
.branch-toolbar input, .branch-toolbar select {
  border: 1.5px solid var(--border); border-radius: 999px; padding: 0.75rem 1.3rem;
  background: var(--surface); font-size: 0.9rem; min-width: 200px;
}
.branch-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.6rem; display: flex; flex-direction: column; gap: 0.5rem; }
.branch-card h3 { font-size: 1.05rem; }
.branch-card .b-meta { font-size: 0.88rem; color: var(--muted); display: flex; gap: 0.5rem; }
.branch-card .b-meta svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 0.15rem; }
.map-placeholder {
  border-radius: var(--radius-lg); border: 1px dashed var(--border);
  background: repeating-linear-gradient(135deg, var(--primary-light) 0 2px, transparent 2px 14px), var(--surface);
  display: flex; align-items: center; justify-content: center; min-height: 320px;
  color: var(--muted); font-size: 0.9rem; text-align: center; flex-direction: column; gap: 0.5rem;
}

/* ==========================================================================
   CTA band
   ========================================================================== */
.cta-band {
  border-radius: var(--radius-lg); padding: clamp(2.5rem, 6vw, 4.5rem);
  background: linear-gradient(135deg, var(--primary-darker), var(--secondary) 60%, var(--primary));
  color: #fff; position: relative; overflow: hidden;
}
.cta-band::after {
  content: ''; position: absolute; width: 340px; height: 340px; border-radius: 50%;
  background: radial-gradient(circle, rgba(246,203,21,0.18), transparent 70%);
  top: -120px; right: -80px;
}
.cta-band .content { position: relative; z-index: 2; max-width: 640px; }
.cta-band h2 { color: #fff; margin-bottom: 1rem; }
.cta-band p { color: #c7dbd7; margin-bottom: 2rem; }
.cta-band .hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* ==========================================================================
   Page hero (interior pages)
   ========================================================================== */
.page-hero {
  background: linear-gradient(150deg, var(--primary-darker), var(--secondary));
  color: #fff; padding-block: clamp(3rem, 7vw, 5rem) clamp(2.5rem, 5vw, 3.5rem);
}
.breadcrumb { display: flex; gap: 0.5rem; font-size: 0.85rem; color: #9fc0bb; margin-bottom: 1.2rem; }
.breadcrumb a { color: #cfe4e0; }
.breadcrumb a:hover { color: #fff; }
.page-hero h1 { color: #fff; max-width: 18ch; }
.page-hero p.lead { color: #c7dbd7; margin-top: 1rem; }

/* ==========================================================================
   Pagination / tabs
   ========================================================================== */
.pager { display: flex; justify-content: center; gap: 0.5rem; margin-top: 3rem; }
.pager button, .pager a {
  width: 42px; height: 42px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--border); font-weight: 600; font-size: 0.9rem; color: var(--text);
}
.pager button.is-active { background: var(--primary-darker); color: #fff; border-color: var(--primary-darker); }
.pager button:hover:not(.is-active) { border-color: var(--primary); }

.tabs { display: flex; gap: 0.5rem; flex-wrap: wrap; margin-bottom: 2rem; border-bottom: 1px solid var(--border); }
.tab-btn { padding: 0.85rem 1.3rem; font-weight: 600; font-size: 0.92rem; color: var(--muted); border-bottom: 2px solid transparent; margin-bottom: -1px; }
.tab-btn.is-active { color: var(--primary-darker); border-color: var(--accent); }
.tab-panel { display: none; }
.tab-panel.is-active { display: block; animation: fadein 0.4s var(--ease); }

/* ==========================================================================
   History timeline (vertical)
   ========================================================================== */
.v-timeline { position: relative; max-width: 760px; margin-inline: auto; padding-left: 2.4rem; }
.v-timeline::before { content: ''; position: absolute; left: 8px; top: 6px; bottom: 6px; width: 2px; background: var(--border); }
.v-timeline-item { position: relative; padding-bottom: 2.6rem; }
.v-timeline-item:last-child { padding-bottom: 0; }
.v-timeline-item::before {
  content: ''; position: absolute; left: -2.4rem; top: 4px; width: 18px; height: 18px;
  border-radius: 50%; background: var(--surface); border: 3px solid var(--primary);
}
.v-timeline-item .yr { font-family: var(--font-display); font-weight: 800; color: var(--primary); font-size: 0.95rem; }
.v-timeline-item h4 { margin-block: 0.3rem 0.4rem; }
.v-timeline-item p { font-size: 0.92rem; }

/* ==========================================================================
   Leadership
   ========================================================================== */
.leader-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); overflow: hidden; }
.leader-photo { aspect-ratio: 1/1; background: linear-gradient(145deg, var(--primary-light), #d7ece8); display: flex; align-items: center; justify-content: center; }
.leader-photo svg { width: 46%; }
.leader-body { padding: 1.4rem 1.3rem 1.6rem; }
.leader-body h3 { font-size: 1.05rem; margin-bottom: 0.15rem; }
.leader-role { color: var(--primary); font-weight: 600; font-size: 0.86rem; margin-bottom: 0.7rem; }
.leader-body p { font-size: 0.88rem; }
.leader-social { display: flex; gap: 0.6rem; margin-top: 0.9rem; }
.leader-social a { width: 32px; height: 32px; border-radius: 50%; background: var(--primary-light); display: flex; align-items: center; justify-content: center; }
.leader-social svg { width: 15px; height: 15px; color: var(--primary-darker); }

/* ==========================================================================
   Downloads / resources
   ========================================================================== */
.doc-row {
  display: flex; align-items: center; gap: 1.2rem; padding: 1.3rem 0.4rem;
  border-bottom: 1px solid var(--border);
}
.doc-row .doc-icon { width: 44px; height: 44px; border-radius: var(--radius-sm); background: var(--primary-light); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.doc-row .doc-icon svg { width: 20px; height: 20px; color: var(--primary-darker); }
.doc-row .doc-meta { flex: 1; }
.doc-row .doc-meta h4 { font-size: 0.98rem; margin-bottom: 0.15rem; }
.doc-row .doc-meta span { font-size: 0.8rem; color: var(--muted-light); }

/* ==========================================================================
   Careers
   ========================================================================== */
.job-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 1.6rem; display: flex; justify-content: space-between; align-items: center; gap: 1.2rem; flex-wrap: wrap; }
.job-card .jmeta span { display: inline-block; font-size: 0.78rem; color: var(--muted); background: var(--primary-light); border-radius: 999px; padding: 0.25rem 0.7rem; margin-right: 0.4rem; margin-top: 0.5rem; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--primary-darker); color: #b9cdc9; }
.footer-top { padding-block: clamp(3rem, 6vw, 4.5rem) 2.5rem; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.2fr; gap: 2.5rem; }
.footer-brand img { height: 34px; margin-bottom: 1rem; filter: brightness(0) invert(1); }
.footer-brand p { color: #93aca7; font-size: 0.9rem; max-width: 32ch; }
.footer-social { display: flex; gap: 0.6rem; margin-top: 1.4rem; }
.footer-social a { width: 36px; height: 36px; border-radius: 50%; background: rgba(255,255,255,0.06); display: flex; align-items: center; justify-content: center; transition: background 0.2s var(--ease); }
.footer-social a:hover { background: var(--primary); }
.footer-social svg { width: 16px; height: 16px; color: #eaf3f1; }
.footer-col h5 { font-family: var(--font-display); color: #fff; font-size: 0.92rem; margin-bottom: 1.1rem; }
.footer-col ul li { margin-bottom: 0.7rem; }
.footer-col a { font-size: 0.9rem; color: #a9c4bf; transition: color 0.2s var(--ease); }
.footer-col a:hover { color: #fff; }
.footer-col address { font-style: normal; font-size: 0.9rem; color: #a9c4bf; line-height: 1.8; }
.newsletter-form { display: flex; gap: 0.5rem; margin-top: 1rem; }
.newsletter-form input { flex: 1; min-width: 0; border-radius: var(--radius-sm); border: 1px solid rgba(255,255,255,0.16); background: rgba(255,255,255,0.05); padding: 0.7rem 0.9rem; color: #fff; font-size: 0.85rem; }
.newsletter-form input::placeholder { color: #7f9995; }
.newsletter-form button { background: var(--accent); color: var(--primary-darker); border-radius: var(--radius-sm); padding: 0.7rem 1rem; font-weight: 700; flex-shrink: 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-block: 1.5rem; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 0.8rem; font-size: 0.82rem; color: #7f9995; }
.footer-bottom a { color: #a9c4bf; }
.footer-bottom a:hover { color: #fff; }
.footer-legal { display: flex; gap: 1.4rem; }

/* ==========================================================================
   Misc utilities
   ========================================================================== */
.back-to-top {
  position: fixed; bottom: 1.6rem; right: 1.6rem; width: 48px; height: 48px;
  border-radius: 50%; background: var(--primary-darker); color: #fff;
  display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-lg);
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0.25s;
  z-index: 400;
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top svg { width: 18px; height: 18px; }

.toast-stack { position: fixed; top: 1.5rem; right: 1.5rem; z-index: 900; display: flex; flex-direction: column; gap: 0.7rem; }
.toast {
  background: var(--primary-darker); color: #fff; padding: 0.9rem 1.2rem; border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg); font-size: 0.88rem; display: flex; align-items: center; gap: 0.7rem;
  max-width: 320px; transform: translateX(120%); opacity: 0; transition: transform 0.35s var(--ease), opacity 0.35s var(--ease);
}
.toast.is-visible { transform: translateX(0); opacity: 1; }
.toast .t-icon { color: var(--accent); flex-shrink: 0; }

.page-loader {
  position: fixed; inset: 0; z-index: 2000; background: var(--primary-darker);
  display: flex; align-items: center; justify-content: center;
  transition: opacity 0.5s var(--ease), visibility 0.5s;
}
.page-loader.is-hidden { opacity: 0; visibility: hidden; }
.page-loader img { height: 46px; animation: pulse 1.4s ease-in-out infinite; filter: brightness(0) invert(1); }
@keyframes pulse { 0%,100% { opacity: 0.5; } 50% { opacity: 1; } }

[data-reveal] { opacity: 0; transform: translateY(18px); transition: opacity 0.6s var(--ease), transform 0.6s var(--ease); }
[data-reveal].is-visible { opacity: 1; transform: translateY(0); }

.modal-overlay {
  position: fixed; inset: 0; background: rgba(10,20,18,0.6); z-index: 800;
  display: flex; align-items: center; justify-content: center; padding: 1.5rem;
  opacity: 0; visibility: hidden; transition: opacity 0.3s var(--ease), visibility 0.3s;
}
.modal-overlay.is-open { opacity: 1; visibility: visible; }
.modal-box { background: var(--surface); border-radius: var(--radius-md); padding: 2.2rem; max-width: 480px; width: 100%; position: relative; transform: translateY(10px); transition: transform 0.3s var(--ease); }
.modal-overlay.is-open .modal-box { transform: translateY(0); }
.modal-close { position: absolute; top: 1rem; right: 1rem; width: 34px; height: 34px; border-radius: 50%; background: var(--primary-light); display: flex; align-items: center; justify-content: center; }

.pill-list { display: flex; flex-wrap: wrap; gap: 0.7rem; }
.pill-btn { padding: 0.6rem 1.1rem; border-radius: 999px; border: 1.5px solid var(--border); font-size: 0.85rem; font-weight: 600; color: var(--text); transition: all 0.2s var(--ease); }
.pill-btn.is-active, .pill-btn:hover { border-color: var(--primary); color: var(--primary-darker); background: var(--primary-light); }

.two-col-text { columns: 2; column-gap: 3rem; }
.two-col-text p { max-width: none; margin-bottom: 1.2rem; }
@media (max-width: 760px) { .two-col-text { columns: 1; } }

.simple-list { display: flex; flex-direction: column; gap: 0.9rem; }
.simple-list li { display: flex; gap: 0.8rem; align-items: flex-start; color: var(--text); font-size: 0.95rem; }
.simple-list svg { width: 18px; height: 18px; color: var(--primary); flex-shrink: 0; margin-top: 3px; }