/* ============================================
   CUCORP FINANCIAL SVC - MAIN STYLESHEET
   Professional Banking & Financial Institution
   ============================================ */

/* CSS Variables */
:root {
  --primary: #0a1628;
  --primary-light: #1a2a4a;
  --accent: #c9a227;
  --accent-hover: #b8921f;
  --white: #ffffff;
  --off-white: #f8f9fa;
  --gray-100: #f1f3f5;
  --gray-200: #e9ecef;
  --gray-300: #dee2e6;
  --gray-500: #adb5bd;
  --gray-700: #495057;
  --gray-900: #212529;
  --success: #28a745;
  --danger: #dc3545;
  --info: #17a2b8;
  --font-main: 'Segoe UI', system-ui, -apple-system, sans-serif;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.15);
  --radius: 8px;
  --radius-lg: 16px;
}

/* Reset & Base */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; transition: var(--transition); }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ============================================
   TOP BAR
   ============================================ */
.top-bar {
  background: var(--primary);
  color: var(--white);
  padding: 8px 0;
  font-size: 0.8rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.top-bar .container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.top-bar-left { display: flex; gap: 20px; align-items: center; }
.top-bar-left span { display: flex; align-items: center; gap: 6px; opacity: 0.85; }
.top-bar-left i { color: var(--accent); font-size: 0.75rem; }
.top-bar-right { display: flex; gap: 16px; align-items: center; }
.top-bar-right a {
  color: var(--white);
  opacity: 0.85;
  transition: var(--transition);
}
.top-bar-right a:hover { opacity: 1; color: var(--accent); }
.country-selector {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  color: var(--white);
  padding: 4px 10px;
  border-radius: 4px;
  font-size: 0.8rem;
  cursor: pointer;
}
.country-selector option { background: var(--primary); color: var(--white); }

/* ============================================
   HEADER & NAVIGATION
   ============================================ */
.header {
  background: var(--white);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.header.scrolled { box-shadow: var(--shadow-md); }
.header-main {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 72px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.logo-icon::before {
  content: '';
  position: absolute;
  width: 60%;
  height: 60%;
  border: 2px solid var(--accent);
  border-radius: 50%;
  opacity: 0.6;
}
.logo-icon::after {
  content: 'C';
  color: var(--accent);
  font-weight: 800;
  font-size: 1.4rem;
  z-index: 1;
}
.logo-text { display: flex; flex-direction: column; }
.logo-text .brand {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
  line-height: 1.1;
}
.logo-text .tagline {
  font-size: 0.65rem;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  font-weight: 600;
}

/* Main Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 24px 14px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gray-700);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--primary); }
.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 14px;
  right: 14px;
  height: 3px;
  background: var(--accent);
  transform: scaleX(0);
  transition: var(--transition);
  border-radius: 2px 2px 0 0;
}
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }
.nav-link i { font-size: 0.7rem; transition: var(--transition); }
.nav-item:hover .nav-link i { transform: rotate(180deg); }

/* Mega Menu */
.mega-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 32px;
  min-width: 700px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 1001;
  border: 1px solid var(--gray-200);
}
.nav-item:hover .mega-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.mega-menu-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.mega-menu-col h4 {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--gray-500);
  margin-bottom: 12px;
  font-weight: 700;
}
.mega-menu-col a {
  display: block;
  padding: 8px 0;
  font-size: 0.9rem;
  color: var(--gray-700);
  border-bottom: 1px solid transparent;
  transition: var(--transition);
}
.mega-menu-col a:hover {
  color: var(--primary);
  padding-left: 8px;
  border-bottom-color: var(--accent);
}

/* Header Actions */
.header-actions { display: flex; align-items: center; gap: 12px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px 22px;
  border-radius: var(--radius);
  font-size: 0.88rem;
  font-weight: 600;
  transition: var(--transition);
  cursor: pointer;
  white-space: nowrap;
}
.btn-outline {
  border: 2px solid var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline:hover { background: var(--primary); color: var(--white); }
.btn-primary {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-hover) 100%);
  color: var(--primary);
  border: none;
  box-shadow: 0 4px 15px rgba(201,162,39,0.3);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,162,39,0.4);
}
.btn-sm { padding: 8px 16px; font-size: 0.8rem; }
.search-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-100);
  color: var(--gray-700);
  transition: var(--transition);
}
.search-btn:hover { background: var(--primary); color: var(--white); }

/* Mobile Menu Toggle */
.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}
.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  transition: var(--transition);
}

/* ============================================
   HERO / BANNER SECTIONS
   ============================================ */
.hero {
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(10,22,40,0.92) 0%, rgba(10,22,40,0.7) 50%, rgba(10,22,40,0.5) 100%);
  z-index: 1;
}
.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  width: 100%;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-text h1 {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
  letter-spacing: -1px;
}
.hero-text h1 span { color: var(--accent); }
.hero-text p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 32px;
  max-width: 520px;
  line-height: 1.7;
}
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-buttons .btn-primary {
  background: var(--accent);
  color: var(--primary);
  font-weight: 700;
  padding: 14px 32px;
  font-size: 1rem;
}
.hero-buttons .btn-outline {
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
  padding: 14px 32px;
  font-size: 1rem;
}
.hero-buttons .btn-outline:hover {
  background: var(--white);
  color: var(--primary);
  border-color: var(--white);
}

/* Hero Card Visual */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  perspective: 1000px;
}
.credit-card {
  width: 380px;
  height: 240px;
  background: linear-gradient(135deg, #1a1a2e 0%, #16213e 50%, #0f3460 100%);
  border-radius: 20px;
  padding: 28px;
  position: relative;
  box-shadow:
    0 25px 50px rgba(0,0,0,0.4),
    0 0 0 1px rgba(255,255,255,0.1) inset;
  transform: rotateY(-15deg) rotateX(5deg);
  transition: var(--transition);
  overflow: hidden;
}
.credit-card:hover { transform: rotateY(-5deg) rotateX(2deg) translateY(-10px); }
.credit-card::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(201,162,39,0.15) 0%, transparent 60%);
}
.card-chip {
  width: 50px;
  height: 38px;
  background: linear-gradient(135deg, #d4af37 0%, #c9a227 50%, #b8921f 100%);
  border-radius: 8px;
  position: relative;
  margin-bottom: 24px;
}
.card-chip::before {
  content: '';
  position: absolute;
  inset: 4px;
  border: 1px solid rgba(0,0,0,0.2);
  border-radius: 4px;
}
.card-number {
  font-family: 'Courier New', monospace;
  font-size: 1.4rem;
  color: var(--white);
  letter-spacing: 3px;
  margin-bottom: 20px;
  text-shadow: 0 2px 4px rgba(0,0,0,0.3);
}
.card-details {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.card-holder { color: rgba(255,255,255,0.7); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 1px; }
.card-holder-name { color: var(--white); font-size: 0.95rem; font-weight: 600; margin-top: 4px; }
.card-expiry { color: rgba(255,255,255,0.7); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 1px; }
.card-expiry-date { color: var(--white); font-size: 0.95rem; font-weight: 600; margin-top: 4px; }
.card-logo {
  position: absolute;
  bottom: 24px;
  right: 28px;
  display: flex;
  gap: 8px;
  align-items: center;
}
.card-logo-circle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  opacity: 0.9;
}
.card-logo-circle.red { background: #eb001b; }
.card-logo-circle.orange { background: #f79e1b; margin-left: -18px; }
.card-logo-text { color: var(--white); font-weight: 700; font-size: 0.85rem; letter-spacing: 1px; }

/* Page Banner */
.page-banner {
  position: relative;
  height: 380px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}
.page-banner .hero-bg img { filter: brightness(0.6); }
.page-banner-content {
  position: relative;
  z-index: 2;
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px 48px;
  width: 100%;
}
.page-banner-content h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 12px;
}
.breadcrumbs {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
}
.breadcrumbs a { color: rgba(255,255,255,0.9); }
.breadcrumbs a:hover { color: var(--accent); }
.breadcrumbs i { font-size: 0.6rem; }

/* ============================================
   TRUST BADGES
   ============================================ */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  padding: 20px 0;
}
.trust-bar .container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  align-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--gray-700);
  font-size: 0.85rem;
  font-weight: 600;
}
.trust-item i {
  width: 32px;
  height: 32px;
  background: var(--gray-100);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 0.8rem;
}

/* ============================================
   SECTIONS
   ============================================ */
.section {
  padding: 100px 0;
  position: relative;
}
.section-alt { background: var(--off-white); }
.section-dark { background: var(--primary); color: var(--white); }
.container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 24px;
}
.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 60px;
}
.section-header h2 {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 16px;
  line-height: 1.2;
}
.section-header p {
  font-size: 1.05rem;
  color: var(--gray-500);
  line-height: 1.7;
}
.section-dark .section-header p { color: rgba(255,255,255,0.7); }
.section-label {
  display: inline-block;
  padding: 6px 16px;
  background: rgba(201,162,39,0.1);
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  border-radius: 20px;
  margin-bottom: 16px;
}
.section-dark .section-label { background: rgba(201,162,39,0.2); }

/* ============================================
   CARDS
   ============================================ */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}
.card-grid-4 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  border: 1px solid var(--gray-200);
}
.card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
}
.card-img {
  height: 200px;
  overflow: hidden;
  position: relative;
}
.card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: var(--transition);
}
.card:hover .card-img img { transform: scale(1.05); }
.card-body { padding: 28px; }
.card-body h3 {
  font-size: 1.2rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--primary);
}
.card-body p {
  font-size: 0.92rem;
  color: var(--gray-500);
  line-height: 1.6;
  margin-bottom: 16px;
}
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--accent);
  font-weight: 600;
  font-size: 0.88rem;
}
.card-link:hover { gap: 10px; }
.card-icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.4rem;
  margin-bottom: 20px;
}

/* Feature Cards */
.feature-card {
  padding: 40px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.feature-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}
.feature-card h3 { font-size: 1.25rem; font-weight: 700; margin: 16px 0 10px; }
.feature-card p { color: var(--gray-500); font-size: 0.92rem; line-height: 1.6; }

/* ============================================
   STATS
   ============================================ */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.stat-item { text-align: center; }
.stat-number {
  font-size: 3rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 0.9rem;
  color: var(--gray-500);
  font-weight: 600;
}
.section-dark .stat-label { color: rgba(255,255,255,0.7); }

/* ============================================
   TABS
   ============================================ */
.tabs-nav {
  display: flex;
  gap: 8px;
  margin-bottom: 40px;
  border-bottom: 2px solid var(--gray-200);
  flex-wrap: wrap;
}
.tab-btn {
  padding: 14px 24px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gray-500);
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: var(--transition);
  background: none;
}
.tab-btn:hover { color: var(--primary); }
.tab-btn.active {
  color: var(--primary);
  border-bottom-color: var(--accent);
}
.tab-panel { display: none; animation: fadeIn 0.4s ease; }
.tab-panel.active { display: block; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

/* ============================================
   ACCORDION
   ============================================ */
.accordion-item {
  border-bottom: 1px solid var(--gray-200);
  overflow: hidden;
}
.accordion-header {
  width: 100%;
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  font-weight: 600;
  color: var(--primary);
  background: none;
  text-align: left;
}
.accordion-header i { transition: var(--transition); color: var(--accent); }
.accordion-item.active .accordion-header i { transform: rotate(180deg); }
.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.accordion-item.active .accordion-body { max-height: 500px; }
.accordion-body p { padding-bottom: 20px; color: var(--gray-500); line-height: 1.7; }

/* ============================================
   CALCULATORS
   ============================================ */
.calculator-box {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  max-width: 600px;
  margin: 0 auto;
}
.form-group { margin-bottom: 24px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--gray-700);
  margin-bottom: 8px;
}
.form-group input, .form-group select {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  transition: var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(201,162,39,0.1);
}
.calculator-result {
  background: var(--primary);
  color: var(--white);
  padding: 24px;
  border-radius: var(--radius);
  margin-top: 24px;
  text-align: center;
}
.calculator-result .result-amount {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent);
}
.calculator-result .result-label { font-size: 0.85rem; opacity: 0.8; margin-top: 4px; }

/* ============================================
   BRANCH FINDER
   ============================================ */
.branch-finder {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 0;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-200);
  min-height: 600px;
}
.branch-sidebar {
  background: var(--white);
  border-right: 1px solid var(--gray-200);
  padding: 24px;
  overflow-y: auto;
  max-height: 600px;
}
.branch-search {
  margin-bottom: 20px;
}
.branch-search input {
  width: 100%;
  padding: 12px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 0.9rem;
}
.branch-search input:focus { outline: none; border-color: var(--accent); }
.branch-list { display: flex; flex-direction: column; gap: 12px; }
.branch-item {
  padding: 16px;
  border-radius: var(--radius);
  border: 1px solid var(--gray-200);
  cursor: pointer;
  transition: var(--transition);
}
.branch-item:hover, .branch-item.active {
  border-color: var(--accent);
  background: rgba(201,162,39,0.05);
}
.branch-item h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 4px; }
.branch-item p { font-size: 0.82rem; color: var(--gray-500); }
.branch-item .branch-hours { font-size: 0.8rem; color: var(--success); margin-top: 6px; font-weight: 600; }
.branch-map {
  background: var(--gray-100);
  position: relative;
  min-height: 600px;
}
.branch-map iframe {
  width: 100%;
  height: 100%;
  border: none;
  position: absolute;
  inset: 0;
}

/* ============================================
   PROFILES
   ============================================ */
.profile-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}
.profile-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-align: center;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  cursor: pointer;
}
.profile-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--accent);
  transform: translateY(-4px);
}
.profile-avatar {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  color: var(--accent);
  font-size: 1.8rem;
  font-weight: 700;
}
.profile-card h4 { font-size: 1.1rem; font-weight: 700; margin-bottom: 4px; }
.profile-card .role {
  font-size: 0.85rem;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 12px;
}
.profile-card .bio {
  font-size: 0.85rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* Profile Modal */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10,22,40,0.8);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
  backdrop-filter: blur(8px);
}
.modal-overlay.active { display: flex; }
.modal-content {
  background: var(--white);
  border-radius: var(--radius-lg);
  max-width: 600px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  padding: 40px;
  position: relative;
  animation: modalIn 0.3s ease;
}
@keyframes modalIn { from { opacity: 0; transform: scale(0.95); } to { opacity: 1; transform: scale(1); } }
.modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--gray-700);
  transition: var(--transition);
}
.modal-close:hover { background: var(--danger); color: var(--white); }

/* ============================================
   TIMELINE
   ============================================ */
.timeline {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 3px;
  height: 100%;
  background: linear-gradient(to bottom, var(--accent), var(--primary));
  border-radius: 3px;
}
.timeline-item {
  display: flex;
  justify-content: flex-end;
  padding-right: 50%;
  position: relative;
  margin-bottom: 50px;
}
.timeline-item:nth-child(even) {
  justify-content: flex-start;
  padding-right: 0;
  padding-left: 50%;
}
.timeline-dot {
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 20px;
  background: var(--accent);
  border-radius: 50%;
  border: 4px solid var(--white);
  box-shadow: 0 0 0 3px var(--accent);
  z-index: 2;
}
.timeline-content {
  background: var(--white);
  padding: 28px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  max-width: 380px;
  border: 1px solid var(--gray-200);
}
.timeline-content h4 {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--accent);
  font-weight: 700;
  margin-bottom: 8px;
}
.timeline-content h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; }
.timeline-content p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; }

/* ============================================
   NEWS
   ============================================ */
.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 28px;
}
.news-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}
.news-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.news-img { height: 220px; overflow: hidden; }
.news-img img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition); }
.news-card:hover .news-img img { transform: scale(1.05); }
.news-body { padding: 24px; }
.news-meta {
  display: flex;
  gap: 16px;
  margin-bottom: 12px;
  font-size: 0.8rem;
  color: var(--gray-500);
}
.news-meta span { display: flex; align-items: center; gap: 4px; }
.news-body h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 10px; line-height: 1.4; }
.news-body p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; margin-bottom: 14px; }
.news-tag {
  display: inline-block;
  padding: 4px 12px;
  background: rgba(201,162,39,0.1);
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 600;
  border-radius: 20px;
}

/* ============================================
   CAREERS
   ============================================ */
.career-item {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--gray-200);
  margin-bottom: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: var(--transition);
}
.career-item:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-sm);
}
.career-info h4 { font-size: 1.1rem; font-weight: 700; margin-bottom: 6px; }
.career-info .career-meta {
  display: flex;
  gap: 16px;
  font-size: 0.85rem;
  color: var(--gray-500);
}

/* ============================================
   FORMS
   ============================================ */
.form-section {
  max-width: 700px;
  margin: 0 auto;
  background: var(--white);
  padding: 48px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  resize: vertical;
  min-height: 120px;
}
.form-group textarea:focus { outline: none; border-color: var(--accent); }

/* ============================================
   AI CHAT WIDGET
   ============================================ */
.chat-widget {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 1500;
}
.chat-toggle {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-hover) 100%);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  box-shadow: 0 8px 24px rgba(201,162,39,0.4);
  transition: var(--transition);
  position: relative;
}
.chat-toggle:hover { transform: scale(1.1); }
.chat-toggle .pulse {
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid var(--accent);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0% { transform: scale(1); opacity: 1; }
  100% { transform: scale(1.4); opacity: 0; }
}
.chat-window {
  position: absolute;
  bottom: 76px;
  right: 0;
  width: 380px;
  height: 520px;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  display: none;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--gray-200);
}
.chat-window.active { display: flex; }
.chat-header {
  background: var(--primary);
  color: var(--white);
  padding: 16px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.chat-header h4 { font-size: 0.95rem; font-weight: 700; }
.chat-header span { font-size: 0.75rem; opacity: 0.7; }
.chat-messages {
  flex: 1;
  padding: 16px;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--off-white);
}
.chat-message {
  max-width: 80%;
  padding: 12px 16px;
  border-radius: 16px;
  font-size: 0.88rem;
  line-height: 1.5;
  animation: messageIn 0.3s ease;
}
@keyframes messageIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.chat-message.user {
  align-self: flex-end;
  background: var(--primary);
  color: var(--white);
  border-bottom-right-radius: 4px;
}
.chat-message.bot {
  align-self: flex-start;
  background: var(--white);
  color: var(--gray-700);
  border-bottom-left-radius: 4px;
  box-shadow: var(--shadow-sm);
}
.chat-input {
  display: flex;
  padding: 12px;
  background: var(--white);
  border-top: 1px solid var(--gray-200);
  gap: 8px;
}
.chat-input input {
  flex: 1;
  padding: 10px 14px;
  border: 2px solid var(--gray-200);
  border-radius: 20px;
  font-size: 0.9rem;
  outline: none;
}
.chat-input input:focus { border-color: var(--accent); }
.chat-input button {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--primary);
  color: var(--white);
  padding-top: 80px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(4, 1fr);
  gap: 40px;
  margin-bottom: 60px;
}
.footer-brand .logo-text .brand { color: var(--white); }
.footer-brand .logo-text .tagline { color: rgba(255,255,255,0.5); }
.footer-brand p {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
  margin: 20px 0;
}
.footer-social {
  display: flex;
  gap: 12px;
}
.footer-social a {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  transition: var(--transition);
}
.footer-social a:hover { background: var(--accent); color: var(--primary); }
.footer-col h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 20px;
  font-weight: 700;
  color: var(--accent);
}
.footer-col a {
  display: block;
  padding: 6px 0;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
}
.footer-col a:hover { color: var(--white); padding-left: 4px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { font-size: 0.8rem; color: rgba(255,255,255,0.4); }
.footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--accent); }

/* ============================================
   APP DOWNLOAD SECTION
   ============================================ */
.app-section {
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--primary) 100%);
  color: var(--white);
  padding: 80px 0;
  overflow: hidden;
}
.app-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.app-text h2 {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 16px;
}
.app-text p { color: rgba(255,255,255,0.7); margin-bottom: 32px; line-height: 1.7; }
.app-buttons { display: flex; gap: 16px; flex-wrap: wrap; }
.app-btn {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 24px;
  background: var(--white);
  color: var(--primary);
  border-radius: var(--radius);
  font-weight: 600;
  transition: var(--transition);
}
.app-btn:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.app-btn i { font-size: 1.5rem; }
.app-btn div { text-align: left; }
.app-btn div span { display: block; font-size: 0.7rem; opacity: 0.7; text-transform: uppercase; letter-spacing: 1px; }
.app-btn div strong { font-size: 1rem; }
.app-devices {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  gap: 20px;
  position: relative;
}
.device-phone {
  width: 220px;
  height: 440px;
  background: var(--white);
  border-radius: 30px;
  padding: 12px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  position: relative;
  z-index: 2;
  transform: rotate(-5deg);
}
.device-phone-inner {
  width: 100%;
  height: 100%;
  background: var(--off-white);
  border-radius: 22px;
  overflow: hidden;
  position: relative;
}
.device-phone-inner img { width: 100%; height: 100%; object-fit: cover; }
.device-ipad {
  width: 340px;
  height: 460px;
  background: var(--white);
  border-radius: 24px;
  padding: 14px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  position: relative;
  z-index: 1;
  transform: rotate(5deg);
  margin-bottom: -20px;
}
.device-ipad-inner {
  width: 100%;
  height: 100%;
  background: var(--off-white);
  border-radius: 16px;
  overflow: hidden;
  position: relative;
}
.device-ipad-inner img { width: 100%; height: 100%; object-fit: cover; }

/* ============================================
   SCROLL TO TOP
   ============================================ */
.scroll-top {
  position: fixed;
  bottom: 100px;
  right: 24px;
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  z-index: 1400;
}
.scroll-top.visible { opacity: 1; visibility: visible; }
.scroll-top:hover { background: var(--accent); color: var(--primary); transform: translateY(-4px); }

/* ============================================
   ANIMATIONS
   ============================================ */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}
.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 1200px) {
  .mega-menu { min-width: 600px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 992px) {
  .hero-grid { grid-template-columns: 1fr; text-align: center; }
  .hero-text p { margin: 0 auto 32px; }
  .hero-visual { display: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .app-grid { grid-template-columns: 1fr; text-align: center; }
  .app-devices { margin-top: 40px; }
  .branch-finder { grid-template-columns: 1fr; }
  .branch-sidebar { max-height: 300px; }
  .timeline::before { left: 20px; }
  .timeline-item, .timeline-item:nth-child(even) {
    padding-left: 60px;
    padding-right: 0;
    justify-content: flex-start;
  }
  .timeline-dot { left: 20px; transform: translateX(-50%); }
}

@media (max-width: 768px) {
  .top-bar .container { flex-direction: column; gap: 8px; }
  .mobile-toggle { display: flex; }
  .main-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: 85%;
    max-width: 400px;
    height: 100vh;
    background: var(--white);
    flex-direction: column;
    padding: 80px 24px 24px;
    gap: 0;
    transition: var(--transition);
    z-index: 999;
    box-shadow: -10px 0 40px rgba(0,0,0,0.1);
    overflow-y: auto;
  }
  .main-nav.active { right: 0; }
  .nav-link { padding: 16px 0; border-bottom: 1px solid var(--gray-200); width: 100%; }
  .nav-link::after { display: none; }
  .mega-menu {
    position: static;
    transform: none;
    opacity: 1;
    visibility: visible;
    box-shadow: none;
    min-width: auto;
    padding: 16px 0;
    border: none;
    display: none;
  }
  .nav-item:hover .mega-menu { display: block; }
  .mega-menu-grid { grid-template-columns: 1fr; gap: 16px; }
  .header-actions .btn { display: none; }
  .stats-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .chat-window { width: calc(100vw - 48px); right: -12px; }
  .credit-card { width: 300px; height: 190px; }
  .card-number { font-size: 1.1rem; }
}

@media (max-width: 480px) {
  .hero-text h1 { font-size: 2rem; }
  .section { padding: 60px 0; }
  .card-grid { grid-template-columns: 1fr; }
  .news-grid { grid-template-columns: 1fr; }
  .profile-grid { grid-template-columns: 1fr; }
  .device-ipad { display: none; }
  .career-item { flex-direction: column; align-items: flex-start; gap: 16px; }
}