/* =============================================
   LEGACY TRUST SAVINGS BANK — style.css
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Inter:wght@300;400;500;600&display=swap');

:root {
  --navy: #061B3A;
  --dark-navy: #04142B;
  --navy-mid: #0a2550;
  --gold: #D4A44A;
  --gold-dark: #b8892e;
  --white: #FFFFFF;
  --light-gray: #F5F7FA;
  --text-gray: #5C6470;
  --border: #e0e4eb;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: #1a2340;
  background: #fff;
  overflow-x: hidden;
}

h1, h2, h3, h4 { font-family: 'Playfair Display', serif; }

a { text-decoration: none; color: inherit; }
ul { list-style: none; padding: 0; margin: 0; }

.container-xl {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 40px;
}

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

/* ============ REVEAL ANIMATION ============ */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ============ UTILITY BAR ============ */
.utility-bar {
  background: var(--dark-navy);
  padding: 6px 0;
}
.util-inner {
  display: flex;
  justify-content: flex-end;
  align-items: center;
  gap: 20px;
}
.utility-bar a {
  color: rgba(255,255,255,0.65);
  font-size: 12px;
  transition: color 0.2s;
}
.utility-bar a:hover { color: var(--gold); }

/* ============ NAVBAR ============ */
.navbar {
  background: rgba(4,20,43,0.97);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(212,164,74,0.15);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: all 0.3s ease;
}
.navbar.scrolled {
  background: rgba(4,20,43,1);
  box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 14px;
  padding-bottom: 14px;
  gap: 20px;
}
/* Logo */
.navbar-brand { text-decoration: none; flex-shrink: 0; }
.brand-logo { display: flex; align-items: center; gap: 10px; }
.brand-icon {
  width: 40px; height: 40px;
  background: var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--dark-navy);
  font-size: 16px;
  flex-shrink: 0;
}
.brand-icon.small { width: 32px; height: 32px; font-size: 13px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name {
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
  font-family: 'Playfair Display', serif;
  letter-spacing: 1.5px;
}
.brand-sub {
  color: var(--gold);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 2px;
}

/* Desktop nav menu */
.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0; padding: 0;
  flex: 1;
  justify-content: center;
}
.nav-item { position: relative; }
.nav-link {
  color: rgba(255,255,255,0.9);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  display: flex;
  align-items: center;
  gap: 5px;
  cursor: pointer;
  transition: color 0.2s;
  white-space: nowrap;
  text-decoration: none;
  border-radius: 4px;
}
.nav-link:hover { color: var(--gold); }
.small-arrow { font-size: 9px; }

/* Dropdown */
.nav-item .dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--dark-navy);
  border: 1px solid rgba(212,164,74,0.2);
  border-radius: 6px;
  padding: 8px 0;
  min-width: 200px;
  list-style: none;
  margin: 0;
  box-shadow: 0 8px 24px rgba(0,0,0,0.3);
  z-index: 999;
  animation: dropFade 0.2s ease;
}
@keyframes dropFade {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}
.nav-item:hover .dropdown-menu,
.nav-item.open .dropdown-menu { display: block; }
.nav-item .dropdown-menu li a {
  display: block;
  color: rgba(255,255,255,0.8);
  font-size: 13px;
  padding: 9px 20px;
  transition: all 0.2s;
  text-decoration: none;
}
.nav-item .dropdown-menu li a:hover {
  background: rgba(212,164,74,0.1);
  color: var(--gold);
  padding-left: 26px;
}

/* Online Banking button */
.btn-online-banking {
  border: 1.5px solid var(--gold);
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  padding: 9px 20px;
  border-radius: 4px;
  transition: all 0.3s;
  white-space: nowrap;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.btn-online-banking:hover {
  background: var(--gold);
  color: var(--dark-navy);
}

/* Right side of nav */
.nav-right {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-shrink: 0;
}

/* Hamburger — hidden on desktop */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gold);
  border-radius: 2px;
  transition: all 0.3s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile menu — hidden on desktop */
.mobile-menu {
  display: none;
  background: var(--dark-navy);
  border-top: 1px solid rgba(212,164,74,0.15);
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.4s ease;
}
.mobile-menu.open {
  display: block;
  max-height: 1000px;
}
.mobile-nav-list {
  list-style: none;
  padding: 12px 20px 20px;
  margin: 0;
}
.mobile-item { border-bottom: 1px solid rgba(255,255,255,0.07); }
.mobile-toggle {
  width: 100%;
  background: none;
  border: none;
  color: rgba(255,255,255,0.9);
  font-size: 15px;
  font-weight: 500;
  font-family: 'Inter', sans-serif;
  padding: 14px 0;
  text-align: left;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color 0.2s;
}
.mobile-toggle:hover { color: var(--gold); }
.mobile-toggle i { font-size: 11px; transition: transform 0.3s; }
.mobile-item.open .mobile-toggle i { transform: rotate(180deg); }
.mobile-sub {
  list-style: none;
  padding: 0 0 10px 16px;
  margin: 0;
  display: none;
}
.mobile-item.open .mobile-sub { display: block; }
.mobile-sub li a {
  display: block;
  color: rgba(255,255,255,0.65);
  font-size: 14px;
  padding: 8px 0;
  text-decoration: none;
  transition: color 0.2s;
}
.mobile-sub li a:hover { color: var(--gold); }
.mobile-ob {
  margin-top: 16px;
  display: inline-flex;
  width: auto;
}

/* ===== RESPONSIVE: show hamburger, hide desktop nav ===== */
@media (max-width: 991px) {
  .nav-menu { display: none; }
  .hamburger { display: flex; }
  .btn-online-banking:not(.mobile-ob) { display: none; }
}

/* ============ HERO SECTION ============ */
.hero-section {
  position: relative;
  min-height: 600px;
  height: 75vh;
  max-height: 700px;
  background: url('https://images.unsplash.com/photo-1464082354059-27db6ce50048?w=1600&auto=format&fit=crop&q=85') center center / cover no-repeat;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(4,20,43,0.92) 0%, rgba(6,27,58,0.75) 55%, rgba(4,20,43,0.35) 100%);
}
.hero-content {
  position: relative; z-index: 2;
  width: 100%;
}
.hero-text { max-width: 560px; }
.hero-heading {
  font-size: clamp(36px, 4.5vw, 56px);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 18px;
}
.hero-sub {
  color: rgba(255,255,255,0.8);
  font-size: 15px;
  line-height: 1.7;
  margin-bottom: 32px;
  font-weight: 300;
}
.hero-buttons { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-gold {
  background: var(--gold);
  color: var(--dark-navy);
  padding: 13px 28px;
  font-size: 14px;
  font-weight: 600;
  border: none;
  border-radius: 4px;
  transition: all 0.3s;
  display: inline-flex; align-items: center;
}
.btn-gold:hover {
  background: var(--gold-dark);
  color: var(--dark-navy);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(212,164,74,0.35);
}
.btn-outline-hero {
  background: transparent;
  color: var(--white);
  padding: 13px 28px;
  font-size: 14px;
  font-weight: 500;
  border: 1.5px solid rgba(255,255,255,0.6);
  border-radius: 4px;
  transition: all 0.3s;
  display: inline-flex; align-items: center;
}
.btn-outline-hero:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(212,164,74,0.08);
}
.hero-badge {
  position: absolute;
  bottom: 40px; right: 60px;
  background: rgba(4,20,43,0.85);
  border: 1px solid rgba(212,164,74,0.4);
  border-radius: 8px;
  padding: 14px 20px;
  display: flex; align-items: center; gap: 10px;
  backdrop-filter: blur(8px);
  z-index: 3;
}
.badge-name {
  color: var(--white); font-size: 13px; font-weight: 700;
  font-family: 'Playfair Display', serif; letter-spacing: 1px;
}
.badge-sub { color: var(--gold); font-size: 9px; letter-spacing: 2px; }

/* ============ FEATURE STRIP ============ */
.feature-strip {
  background: var(--navy);
  padding: 36px 0;
  border-bottom: 1px solid rgba(212,164,74,0.15);
}
.feature-strip-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 0;
}
.feature-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 24px;
  border-right: 1px solid rgba(255,255,255,0.08);
  cursor: pointer;
  transition: background 0.2s;
}
.feature-item:last-child { border-right: none; }
.feature-item:hover { background: rgba(212,164,74,0.07); }
.feature-icon-wrap {
  color: var(--gold);
  font-size: 22px;
  flex-shrink: 0;
  margin-top: 2px;
}
.feature-content h4 {
  color: var(--white);
  font-size: 13px;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  margin-bottom: 4px;
}
.feature-content p {
  color: rgba(255,255,255,0.55);
  font-size: 11px;
  line-height: 1.5;
  margin-bottom: 6px;
}
.feature-content a {
  color: var(--gold);
  font-size: 11px;
  font-weight: 500;
  display: flex; align-items: center; gap: 4px;
  transition: gap 0.2s;
}
.feature-content a:hover { gap: 7px; }

/* ============ SECTION LABELS ============ */
.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2px;
  color: var(--gold);
  text-transform: uppercase;
  margin-bottom: 10px;
  font-family: 'Inter', sans-serif;
}
.section-heading {
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 700;
  color: var(--navy);
  line-height: 1.25;
  margin-bottom: 14px;
}
.view-all-link {
  color: var(--gold);
  font-size: 13px;
  font-weight: 600;
  display: flex; align-items: center; gap: 6px;
  white-space: nowrap;
  margin-top: 38px;
  transition: gap 0.2s;
}
.view-all-link:hover { gap: 10px; color: var(--gold-dark); }

/* ============ SERVICES SECTION ============ */
.services-section { background: var(--white); }
.svc-nav-btn {
  width: 32px; height: 32px;
  border: 1.5px solid var(--border);
  background: white;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s;
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; color: var(--text-gray);
}
.svc-nav-btn.active, .svc-nav-btn:hover {
  border-color: var(--gold);
  color: var(--gold);
  background: rgba(212,164,74,0.06);
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}
.service-card {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 28px 22px;
  background: var(--white);
  transition: all 0.3s;
  cursor: pointer;
}
.service-card:hover {
  box-shadow: 0 8px 30px rgba(6,27,58,0.1);
  transform: translateY(-4px);
  border-color: rgba(212,164,74,0.3);
}
.svc-icon {
  width: 44px; height: 44px;
  background: rgba(212,164,74,0.1);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 16px;
}
.service-card h4 {
  font-size: 15px;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  color: var(--navy);
  margin-bottom: 8px;
}
.service-card p {
  font-size: 13px;
  color: var(--text-gray);
  line-height: 1.6;
  margin-bottom: 16px;
}
.learn-more {
  color: var(--navy);
  font-size: 12px;
  font-weight: 600;
  display: flex; align-items: center; gap: 6px;
  transition: all 0.2s;
}
.learn-more:hover { color: var(--gold); gap: 9px; }

/* ============ STATS SECTION ============ */
.stats-section {
  background: var(--navy);
  padding: 80px 0;
}
.stats-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 80px;
  align-items: center;
}
.gold-label { color: var(--gold); }
.stats-heading {
  font-size: clamp(28px, 3vw, 42px);
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 18px;
}
.stats-body {
  color: rgba(255,255,255,0.65);
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 28px;
}
.btn-gold-outline {
  border: 1.5px solid var(--gold);
  color: var(--gold);
  background: transparent;
  padding: 12px 26px;
  font-size: 13px;
  font-weight: 600;
  border-radius: 4px;
  transition: all 0.3s;
  display: inline-flex; align-items: center;
}
.btn-gold-outline:hover {
  background: var(--gold);
  color: var(--dark-navy);
}
.stats-right {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-item {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
}
.stat-icon {
  width: 50px; height: 50px;
  border: 1.5px solid rgba(212,164,74,0.4);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 6px;
}
.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 40px;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  display: inline;
}
.stat-plus {
  font-family: 'Playfair Display', serif;
  font-size: 32px;
  font-weight: 700;
  color: var(--gold);
}
.stat-label {
  color: rgba(255,255,255,0.65);
  font-size: 12px;
  line-height: 1.4;
  margin-top: 4px;
}

/* ============ MOBILE BANKING ============ */
.mobile-banking-section { background: var(--white); }
.mobile-layout {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: center;
}
.mobile-left .section-heading { margin-bottom: 14px; }
.mobile-left > p {
  color: var(--text-gray);
  font-size: 14px;
  line-height: 1.7;
  margin-bottom: 24px;
}
.mobile-features {
  display: flex; flex-direction: column; gap: 10px;
  margin-bottom: 32px;
}
.mobile-features li {
  color: var(--navy);
  font-size: 14px;
  font-weight: 500;
  display: flex; align-items: center; gap: 10px;
}
.mobile-features li i { color: var(--gold); font-size: 16px; }
.app-buttons { display: flex; gap: 12px; }
.app-btn {
  display: flex; align-items: center; gap: 10px;
  background: var(--dark-navy);
  color: white;
  padding: 10px 18px;
  border-radius: 8px;
  transition: all 0.3s;
  border: 1px solid rgba(212,164,74,0.2);
}
.app-btn:hover { background: var(--navy-mid); color: white; }
.app-btn i { font-size: 22px; }
.app-sub { display: block; font-size: 10px; color: rgba(255,255,255,0.6); }
.app-main { display: block; font-size: 14px; font-weight: 600; }
.mobile-right {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
/* Phone mockup */
.phone-mockup {
  width: 220px;
  background: var(--dark-navy);
  border-radius: 28px;
  border: 6px solid #1a2e4a;
  box-shadow: 0 20px 60px rgba(6,27,58,0.3), 0 0 0 1px rgba(212,164,74,0.15);
  overflow: hidden;
  position: relative;
  z-index: 2;
}
.phone-screen {
  background: #f0f4f8;
  padding: 12px;
  min-height: 320px;
}
.phone-status-bar {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 10px; color: #333; margin-bottom: 10px; font-weight: 600;
}
.phone-icons { display: flex; gap: 4px; font-size: 9px; }
.phone-header {
  background: var(--navy);
  border-radius: 10px;
  padding: 12px;
  margin-bottom: 10px;
  color: white;
}
.phone-greeting { font-size: 11px; line-height: 1.5; }
.phone-section-title {
  font-size: 10px; font-weight: 700; color: #444;
  margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.5px;
}
.phone-account {
  display: flex; justify-content: space-between; align-items: center;
  background: white;
  border-radius: 8px;
  padding: 8px 10px;
  margin-bottom: 4px;
  box-shadow: 0 1px 4px rgba(0,0,0,0.08);
}
.acct-name { font-size: 10px; font-weight: 600; color: #333; }
.acct-date { font-size: 9px; color: #999; }
.acct-balance { font-size: 12px; font-weight: 700; }
.gold-text { color: var(--gold); }
.phone-txn {
  display: flex; justify-content: space-between;
  font-size: 10px; padding: 5px 4px;
  border-bottom: 1px solid rgba(0,0,0,0.05);
}
.txn-neg { color: #e53e3e; font-weight: 600; }
.txn-pos { color: #38a169; font-weight: 600; }
/* Online banking card */
.online-banking-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 20px 22px;
  box-shadow: 0 6px 24px rgba(6,27,58,0.1);
  width: 100%;
  max-width: 300px;
}
.ob-label {
  font-size: 13px; font-weight: 700;
  color: var(--navy); margin-bottom: 6px;
  font-family: 'Inter', sans-serif;
}
.online-banking-card p {
  font-size: 12px; color: var(--text-gray);
  margin-bottom: 14px; line-height: 1.5;
}
.ob-links {
  display: flex; align-items: center; gap: 10px;
  font-size: 12px; color: var(--navy); font-weight: 500;
}
.ob-links a { transition: color 0.2s; }
.ob-links a:hover { color: var(--gold); }
.ob-links .divider { color: var(--text-gray); }
.mobile-icons-row {
  display: flex; justify-content: center; gap: 28px;
  width: 100%; max-width: 300px;
}
.mobile-mini-icon {
  text-align: center;
  display: flex; flex-direction: column; align-items: center; gap: 4px;
}
.mobile-mini-icon i { font-size: 20px; color: var(--gold); }
.mobile-mini-icon span { font-size: 12px; font-weight: 600; color: var(--navy); }
.mobile-mini-icon small { font-size: 10px; color: var(--text-gray); }
.mt-2 { margin-top: 8px; }

/* ============ CALCULATOR ============ */
.calculator-section {
  background: var(--dark-navy);
  padding: 60px 0;
}
.calc-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 60px;
  align-items: start;
}
.calc-heading {
  font-size: clamp(26px, 3vw, 38px);
  color: var(--white);
  margin-bottom: 14px;
}
.calc-left > p { color: rgba(255,255,255,0.6); font-size: 14px; line-height: 1.7; }
.calc-tabs {
  display: flex; gap: 6px;
  margin-bottom: 24px;
  flex-wrap: wrap;
}
.calc-tab {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.7);
  padding: 8px 18px;
  font-size: 13px; font-weight: 500;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s;
}
.calc-tab.active, .calc-tab:hover {
  background: var(--gold);
  color: var(--dark-navy);
  border-color: var(--gold);
  font-weight: 600;
}
.calc-fields {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px; margin-bottom: 24px;
}
.calc-field-group label {
  display: block; color: rgba(255,255,255,0.6);
  font-size: 12px; font-weight: 500;
  margin-bottom: 8px; letter-spacing: 0.5px;
}
.calc-input-wrap {
  display: flex; align-items: center;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 4px;
  padding: 0 12px;
  margin-bottom: 8px;
}
.calc-input-wrap span { color: rgba(255,255,255,0.5); font-size: 14px; flex-shrink: 0; }
.calc-input-wrap input {
  background: none; border: none;
  color: var(--white); font-size: 14px; font-weight: 500;
  padding: 10px 6px; width: 100%; outline: none;
}
.calc-field-group select {
  width: 100%;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  color: var(--white);
  font-size: 14px;
  padding: 10px 12px;
  border-radius: 4px;
  outline: none;
  cursor: pointer;
}
.calc-field-group select option { background: var(--dark-navy); }
input[type="range"] {
  width: 100%;
  accent-color: var(--gold);
  height: 4px;
  cursor: pointer;
}
.calc-result {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(212,164,74,0.2);
  border-radius: 8px;
  padding: 20px 24px;
  margin-bottom: 20px;
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 12px;
}
.result-label {
  color: rgba(255,255,255,0.6); font-size: 13px; flex: 1;
}
.result-amount {
  font-family: 'Playfair Display', serif;
  font-size: 38px; font-weight: 700; color: var(--gold);
}
.result-note {
  font-size: 11px; color: rgba(255,255,255,0.4);
  width: 100%;
}

/* ============ TESTIMONIALS ============ */
.testimonials-section { background: var(--light-gray); }
.testimonials-layout {
  display: flex; align-items: center; gap: 24px;
  position: relative;
}
.testimonial-card {
  background: var(--white);
  border-radius: 10px;
  padding: 36px;
  box-shadow: 0 4px 24px rgba(6,27,58,0.1);
  max-width: 400px;
  min-width: 350px;
}
.quote-icon { font-size: 32px; color: var(--gold); margin-bottom: 16px; }
.quote-text {
  font-size: 15px; line-height: 1.7; color: var(--navy);
  font-style: italic;
  font-family: 'Playfair Display', serif;
  margin-bottom: 24px;
}
.testi-client { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 44px; height: 44px;
  background: var(--light-gray);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--text-gray); font-size: 18px;
}
.testi-name { font-size: 14px; font-weight: 700; color: var(--navy); }
.testi-role { font-size: 12px; color: var(--text-gray); }
.testi-dots {
  display: flex; gap: 6px; margin-top: 24px;
}
.dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--border); cursor: pointer; transition: background 0.2s;
}
.dot.active { background: var(--gold); }
.testi-arrow {
  width: 40px; height: 40px;
  background: white;
  border: 1.5px solid var(--border);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  font-size: 14px; color: var(--navy);
  transition: all 0.2s;
  flex-shrink: 0;
}
.testi-arrow:hover {
  border-color: var(--gold);
  color: var(--gold);
}
.testi-image {
  flex: 1;
  border-radius: 10px;
  overflow: hidden;
  max-height: 300px;
}
.testi-image img {
  width: 100%; height: 300px;
  object-fit: cover;
  display: block;
}

/* ============ BLOG / INSIGHTS ============ */
.insights-section { background: var(--white); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  transition: all 0.3s;
  background: white;
}
.blog-card:hover {
  box-shadow: 0 8px 32px rgba(6,27,58,0.1);
  transform: translateY(-4px);
}
.blog-img-wrap { overflow: hidden; height: 200px; }
.blog-img-wrap img {
  width: 100%; height: 200px;
  object-fit: cover;
  transition: transform 0.4s;
}
.blog-card:hover .blog-img-wrap img { transform: scale(1.05); }
.blog-body { padding: 22px 22px 20px; }
.blog-tag {
  font-size: 10px; font-weight: 700; letter-spacing: 1.5px;
  padding: 4px 10px; border-radius: 3px;
  display: inline-block; margin-bottom: 12px;
}
.blog-tag.personal { background: rgba(212,164,74,0.12); color: var(--gold); }
.blog-tag.home { background: rgba(56,161,105,0.12); color: #2f855a; }
.blog-tag.wealth { background: rgba(6,27,58,0.1); color: var(--navy); }
.blog-body h4 {
  font-size: 16px; font-weight: 600;
  color: var(--navy); margin-bottom: 8px;
  font-family: 'Inter', sans-serif;
  line-height: 1.4;
}
.blog-body p { font-size: 13px; color: var(--text-gray); line-height: 1.6; }
.blog-footer {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.blog-date { font-size: 12px; color: var(--text-gray); }
.read-more {
  font-size: 12px; font-weight: 600; color: var(--navy);
  display: flex; align-items: center; gap: 5px;
  transition: all 0.2s;
}
.read-more:hover { color: var(--gold); gap: 8px; }

/* ============ SPLIT SECTION ============ */
.split-section { background: var(--light-gray); }
.split-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.split-card {
  border-radius: 12px;
  padding: 44px;
  overflow: hidden;
  position: relative;
}
.wealth-card {
  background: var(--white);
  border: 1px solid var(--border);
  box-shadow: 0 4px 20px rgba(6,27,58,0.06);
}
.wealth-card h2 {
  font-size: 32px; color: var(--navy);
  margin-bottom: 12px; line-height: 1.25;
}
.wealth-card p { font-size: 14px; color: var(--text-gray); line-height: 1.7; margin-bottom: 18px; }
.wealth-list {
  display: flex; flex-direction: column; gap: 10px;
}
.wealth-list li {
  font-size: 14px; color: var(--navy);
  display: flex; align-items: center; gap: 10px;
}
.wealth-list li i { color: var(--gold); font-size: 13px; }
.wealth-img {
  margin-top: 28px;
  border-radius: 8px; overflow: hidden;
  height: 180px;
}
.wealth-img img { width: 100%; height: 180px; object-fit: cover; }
.security-card {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  min-height: 450px;
}
.security-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(4,20,43,0.9) 50%, rgba(6,40,80,0.6) 100%);
  z-index: 1;
}
.security-content {
  position: relative; z-index: 2;
}
.light-label { color: var(--gold); }
.security-card h2 {
  font-size: 32px; color: var(--white);
  margin-bottom: 12px; line-height: 1.25;
}
.security-card p { font-size: 14px; color: rgba(255,255,255,0.7); line-height: 1.7; margin-bottom: 18px; }
.security-card .wealth-list li { color: rgba(255,255,255,0.85); }
.shield-graphic {
  position: absolute;
  right: -20px; bottom: -20px;
  font-size: 160px;
  color: rgba(212,164,74,0.12);
  z-index: 1;
  line-height: 1;
}

/* ============ FAQ ============ */
.faq-section { background: var(--white); }
.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 48px;
}
.faq-item {
  border-bottom: 1px solid var(--border);
}
.faq-question {
  width: 100%;
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0;
  background: none; border: none;
  font-family: 'Inter', sans-serif;
  font-size: 15px; font-weight: 500;
  color: var(--navy); cursor: pointer;
  text-align: left;
  transition: color 0.2s;
}
.faq-question:hover { color: var(--gold); }
.faq-icon {
  font-size: 14px; color: var(--gold);
  flex-shrink: 0; transition: transform 0.3s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.35s ease, padding 0.35s ease;
  padding: 0;
}
.faq-item.open .faq-answer {
  max-height: 200px;
  padding-bottom: 20px;
}
.faq-answer p { font-size: 14px; color: var(--text-gray); line-height: 1.7; }

/* ============ FOOTER ============ */
.site-footer {
  background: var(--dark-navy);
  padding: 64px 0 0;
}
.footer-top {
  display: grid;
  grid-template-columns: 1.6fr repeat(6, 1fr);
  gap: 32px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand-col {}
.footer-brand {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 14px;
}
.footer-tagline {
  color: rgba(255,255,255,0.5);
  font-size: 12px; margin-bottom: 20px; line-height: 1.5;
}
.social-icons { display: flex; gap: 10px; }
.social-icons a {
  width: 34px; height: 34px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  transition: all 0.2s;
}
.social-icons a:hover { background: var(--gold); color: var(--dark-navy); }
.footer-nav-col h5 {
  color: rgba(255,255,255,0.9);
  font-size: 11px; font-weight: 700;
  letter-spacing: 1.5px;
  margin-bottom: 16px;
  font-family: 'Inter', sans-serif;
}
.footer-nav-col ul li { margin-bottom: 8px; }
.footer-nav-col ul li a {
  color: rgba(255,255,255,0.5);
  font-size: 13px;
  transition: color 0.2s;
}
.footer-nav-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  display: flex; justify-content: space-between; align-items: center;
  padding: 20px 0;
  border-top: 1px solid rgba(255,255,255,0.06);
  flex-wrap: wrap; gap: 12px;
}
.footer-legal {
  display: flex; align-items: center; gap: 20px;
  flex-wrap: wrap;
}
.footer-legal span { color: rgba(255,255,255,0.4); font-size: 12px; }
.footer-legal a { color: rgba(255,255,255,0.5); font-size: 12px; transition: color 0.2s; }
.footer-legal a:hover { color: var(--gold); }
.footer-badges { display: flex; gap: 20px; align-items: center; }
.fdic-badge, .eho-badge {
  font-size: 12px; color: rgba(255,255,255,0.5);
  display: flex; align-items: center; gap: 5px;
}

/* ============ BOOTSTRAP OVERRIDES ============ */
.d-flex { display: flex; }
.justify-content-between { justify-content: space-between; }
.justify-content-end { justify-content: flex-end; }
.align-items-center { align-items: center; }
.align-items-start { align-items: flex-start; }
.align-items-end { align-items: flex-end; }
.gap-1 { gap: 4px; }
.gap-2 { gap: 8px; }
.gap-4 { gap: 16px; }
.mb-2 { margin-bottom: 8px; }
.mb-3 { margin-bottom: 12px; }
.mb-4 { margin-bottom: 24px; }
.ms-2 { margin-left: 8px; }
.mt-3 { margin-top: 16px; }
.me-2 { margin-right: 8px; }
.w-100 { width: 100%; }
.small { font-size: 0.85em; }

/* ============ RESPONSIVE ============ */
@media (max-width: 1200px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
  .stats-right { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: repeat(4, 1fr); }
  .footer-brand-col { grid-column: span 4; }
}
@media (max-width: 992px) {
  .feature-strip-grid { grid-template-columns: repeat(3, 1fr); }
  .mobile-layout { grid-template-columns: 1fr; }
  .calc-layout { grid-template-columns: 1fr; gap: 32px; }
  .calc-fields { grid-template-columns: 1fr 1fr; }
  .split-grid { grid-template-columns: 1fr; }
  .testimonials-layout { flex-wrap: wrap; }
  .testi-image { width: 100%; }
  .stats-layout { grid-template-columns: 1fr; gap: 40px; }
  .stats-right { grid-template-columns: repeat(4, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .faq-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: repeat(3, 1fr); }
  .footer-brand-col { grid-column: span 3; }
}
@media (max-width: 768px) {
  .container-xl { padding: 0 20px; }
  .hero-section { height: auto; min-height: 500px; padding: 120px 0 80px; }
  .feature-strip-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-right { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: 1fr; }
  .split-card { padding: 28px; }
  .footer-top { grid-template-columns: repeat(2, 1fr); }
  .footer-brand-col { grid-column: span 2; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero-badge { display: none; }
  .utility-bar { display: none; }
}
@media (max-width: 576px) {
  .feature-strip-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .app-buttons { flex-direction: column; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-brand-col { grid-column: span 2; }
  .stats-right { grid-template-columns: repeat(2, 1fr); }
  .calc-fields { grid-template-columns: 1fr; }
}