/* ============================================
   SHARAD BANK — Multi-Page Redesign
   Color: Deep Crimson (#B91C1C) — Professional Banking
   Mobile-First | SEO-Friendly | Bilingual
   ============================================ */

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

:root {
    --bg: #FAFBFC;
    --bg-white: #FFFFFF;
    --bg-dark: #0A1628;
    --bg-section: #F1F5F9;
    --text-primary: #0F172A;
    --text-secondary: #475569;
    --text-muted: #94A3B8;
    --accent: #B91C1C;
    --accent-hover: #991B1B;
    --accent-light: #DC2626;
    --accent-bg: #FEE2E2;
    --green: #059669;
    --green-bg: #D1FAE5;
    --blue: #0369A1;
    --blue-bg: #DBEAFE;
    --orange: #D97706;
    --red: #DC2626;
    --border: #E2E8F0;
    --border-light: #F1F5F9;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 4px 16px rgba(0,0,0,0.06);
    --shadow-lg: 0 12px 40px rgba(0,0,0,0.08);
    --radius-sm: 8px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;
    --font: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-display: 'Space Grotesk', -apple-system, sans-serif;
    --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

/* Marathi font override */
html[lang="mr"] {
    --font: 'Mukta', 'Noto Sans Devanagari', sans-serif;
    --font-display: 'Mukta', 'Noto Sans Devanagari', sans-serif;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    font-family: var(--font);
    color: var(--text-primary);
    background: var(--bg);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button, input, select, textarea { font: inherit; }

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ---- Typography ---- */
.section-label {
    font-family: var(--font-display);
    font-size: 0.8rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--accent);
    margin-bottom: 12px;
}

.section-title {
    font-family: var(--font-display);
    font-size: clamp(1.75rem, 5vw, 2.75rem);
    font-weight: 700;
    line-height: 1.15;
    color: var(--text-primary);
    margin-bottom: 16px;
}

.section-desc {
    color: var(--text-secondary);
    font-size: 1.05rem;
    max-width: 540px;
}

.text-accent { color: var(--accent); }

/* ---- Buttons ---- */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: var(--radius-full);
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
    border: none;
    cursor: pointer;
    white-space: nowrap;
    line-height: 1;
}
.btn-primary { background: var(--accent); color: #fff; }
.btn-primary:hover { background: var(--accent-hover); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(185,28,28,0.25); }

.btn-outline { background: transparent; color: var(--text-primary); border: 1.5px solid var(--border); }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }

.btn-sm { padding: 10px 20px; font-size: 0.875rem; }
.btn-block { width: 100%; justify-content: center; }

.btn-white { background: #fff; color: var(--accent); }
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

.btn-outline-white { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.35); }
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: #fff; }

/* ============================================
   HEADER
   ============================================ */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    background: rgba(250,251,252,0.85);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}
.header.scrolled { border-bottom-color: var(--border); box-shadow: var(--shadow-sm); }

.header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

.logo { display: flex; align-items: center; }
.logo-text { display: flex; flex-direction: column; line-height: 1.15; }
.logo-name {
    font-family: 'Mukta', 'Noto Sans Devanagari', sans-serif;
    font-weight: 700;
    font-size: 1.15rem;
    color: var(--accent);
    letter-spacing: 0.01em;
}
.logo-sub {
    font-family: var(--font-display);
    font-size: 0.55rem;
    color: var(--text-muted);
    font-weight: 500;
    letter-spacing: 0.02em;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    max-width: 260px;
}

.nav { display: none; align-items: center; gap: 28px; }
.nav a { font-size: 0.9rem; font-weight: 500; color: var(--text-secondary); transition: var(--transition); }
.nav a:hover, .nav a.active { color: var(--accent); }
.nav .nav-cta {
    padding: 10px 22px;
    background: var(--accent); color: #fff;
    border-radius: var(--radius-full);
}
.nav .nav-cta:hover { background: var(--accent-hover); }

/* Language toggle */
.lang-toggle {
    display: flex; align-items: center; gap: 0;
    background: var(--bg-section);
    border-radius: var(--radius-full);
    padding: 3px;
    margin-left: 8px;
}
.lang-btn {
    padding: 6px 14px;
    border: none; background: transparent;
    font-size: 0.8rem; font-weight: 600;
    color: var(--text-muted);
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: var(--transition);
}
.lang-btn.active { background: var(--accent); color: #fff; }
.lang-btn:not(.active):hover { color: var(--text-primary); }

.header-right { display: flex; align-items: center; gap: 8px; }

.menu-toggle {
    display: flex; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 8px;
}
.menu-toggle span {
    width: 22px; height: 2px;
    background: var(--text-primary);
    border-radius: 2px; transition: var(--transition);
    transform-origin: center;
}
.menu-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile Menu */
.mobile-menu {
    position: fixed;
    top: 64px; left: 0; right: 0; bottom: 0;
    background: var(--bg-white);
    z-index: 999;
    display: flex; flex-direction: column;
    padding: 32px 20px;
    transform: translateX(100%);
    transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu nav { display: flex; flex-direction: column; }
.mobile-menu a {
    padding: 18px 0;
    font-size: 1.15rem; font-weight: 600;
    font-family: var(--font-display);
    border-bottom: 1px solid var(--border-light);
    color: var(--text-primary);
    transition: var(--transition);
}
.mobile-menu a:hover { color: var(--accent); padding-left: 8px; }

.mobile-lang { display: flex; gap: 8px; margin-top: 24px; }
.mobile-lang .lang-btn {
    flex: 1;
    padding: 12px;
    background: var(--bg-section);
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    text-align: center;
}
.mobile-lang .lang-btn.active { background: var(--accent); color: #fff; border-color: var(--accent); }

/* ============================================
   PAGE HEADER (inner pages)
   ============================================ */
.page-header {
    padding: 100px 0 48px;
    background: linear-gradient(135deg, var(--bg-dark) 0%, #12344D 100%);
    text-align: center;
}
.page-header .section-label { color: var(--accent-light); }
.page-header .section-title { color: #fff; }
.page-header .section-desc { color: rgba(255,255,255,0.6); margin: 0 auto; }

.breadcrumb {
    display: flex; align-items: center; justify-content: center;
    gap: 8px;
    margin-bottom: 20px;
    font-size: 0.85rem;
}
.breadcrumb a { color: rgba(255,255,255,0.5); transition: var(--transition); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { color: rgba(255,255,255,0.3); }
.breadcrumb .current { color: rgba(255,255,255,0.8); }

/* ============================================
   HERO (Home only)
   ============================================ */
.hero {
    padding: 100px 0 60px;
    background: var(--bg-white);
    overflow: hidden;
}
.hero .container { display: flex; flex-direction: column; gap: 48px; }

.hero-badge {
    display: inline-flex; align-items: center;
    padding: 8px 16px;
    background: var(--accent-bg); color: var(--accent);
    font-size: 0.8rem; font-weight: 600;
    border-radius: var(--radius-full);
    margin-bottom: 20px;
}

.hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2rem, 7vw, 3.5rem);
    font-weight: 700; line-height: 1.1;
    letter-spacing: -0.02em; margin-bottom: 20px;
}

.hero-sub {
    font-size: 1.05rem; color: var(--text-secondary);
    line-height: 1.7; max-width: 520px; margin-bottom: 32px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 48px; }

.hero-metrics {
    display: flex; align-items: center; gap: 24px;
    padding-top: 32px; border-top: 1px solid var(--border);
}
.metric { text-align: center; }
.metric-value {
    font-family: var(--font-display);
    font-size: 1.75rem; font-weight: 700;
}
.metric-suffix {
    font-family: var(--font-display);
    font-size: 1.75rem; font-weight: 700; color: var(--accent);
}
.metric-label { font-size: 0.8rem; color: var(--text-muted); font-weight: 500; margin-top: 2px; }
.metric-divider { width: 1px; height: 40px; background: var(--border); }

/* Hero Visual */
.hero-visual { position: relative; width: 100%; max-width: 500px; margin: 0 auto; }
.hero-img-wrapper { position: relative; overflow: visible; }
.hero-img-wrapper img {
    width: 100%; height: 400px;
    object-fit: cover; border-radius: var(--radius-xl);
}
.hero-float-card {
    position: absolute;
    display: flex; align-items: center; gap: 12px;
    background: var(--bg-white);
    padding: 14px 18px;
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    animation: float 4s ease-in-out infinite;
}
.float-card-1 { bottom: 60px; left: -16px; }
.float-card-2 { top: 40px; right: -16px; animation-delay: 2s; }

.float-icon {
    width: 40px; height: 40px;
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    font-size: 0.9rem;
}
.float-icon.green { background: var(--green-bg); color: var(--green); }
.float-icon.blue { background: var(--blue-bg); color: var(--blue); }
.float-label { font-size: 0.75rem; color: var(--text-muted); display: block; }
.float-value { font-weight: 700; font-size: 0.95rem; display: block; }

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

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar { padding: 24px 0; background: var(--bg-section); text-align: center; }
.trust-bar p { font-size: 0.85rem; color: var(--text-muted); font-weight: 500; letter-spacing: 0.02em; }

/* ============================================
   SERVICES
   ============================================ */
.services { padding: 80px 0; background: var(--bg-white); }
.services .section-title { margin-bottom: 48px; }
.services-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }

.service-card {
    background: var(--bg);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid var(--border-light);
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-card.featured { border-color: var(--accent); }

.service-img { overflow: hidden; }
.service-img img {
    width: 100%; height: 180px;
    object-fit: cover; transition: transform 0.5s ease;
}
.service-card:hover .service-img img { transform: scale(1.05); }
.service-body { padding: 20px; }

.service-rate-tag {
    display: inline-block;
    padding: 4px 12px;
    background: var(--bg-section); color: var(--text-secondary);
    font-size: 0.75rem; font-weight: 700;
    border-radius: var(--radius-full);
    margin-bottom: 10px;
}
.service-rate-tag.highlight { background: var(--accent-bg); color: var(--accent); }
.service-body h3 { font-family: var(--font-display); font-size: 1.15rem; font-weight: 700; margin-bottom: 8px; }
.service-body p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.6; }

.service-link {
    display: inline-flex; align-items: center; gap: 6px;
    margin-top: 14px; font-size: 0.875rem; font-weight: 600;
    color: var(--accent); transition: var(--transition);
}
.service-link:hover { gap: 10px; }

/* ============================================
   DEPOSITS
   ============================================ */
.deposits { padding: 80px 0; background: var(--bg-section); }
.deposits-layout { display: flex; flex-direction: column; gap: 48px; }
.deposits-desc { color: var(--text-secondary); font-size: 1rem; margin-bottom: 32px; max-width: 480px; }

.deposits-highlights { display: grid; grid-template-columns: 1fr; gap: 16px; }
.highlight-card {
    display: flex; align-items: flex-start; gap: 14px;
    padding: 16px; background: var(--bg-white);
    border-radius: var(--radius);
    border: 1px solid var(--border-light);
}
.highlight-icon {
    width: 40px; height: 40px; min-width: 40px;
    background: var(--accent-bg); color: var(--accent);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    font-size: 0.9rem;
}
.highlight-card h4 { font-size: 0.9rem; font-weight: 600; margin-bottom: 2px; }
.highlight-card p { font-size: 0.8rem; color: var(--text-muted); }

/* Rate Card / Table */
.rate-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    overflow: hidden;
}
.rate-card-header {
    display: flex; align-items: center; justify-content: space-between;
    padding: 20px 20px 16px;
    border-bottom: 1px solid var(--border-light);
}
.rate-card-header h3 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; }
.rate-badge {
    padding: 4px 12px;
    background: var(--green-bg); color: var(--green);
    font-size: 0.7rem; font-weight: 700;
    border-radius: var(--radius-full);
}
.rate-table { width: 100%; border-collapse: collapse; font-size: 0.875rem; }
.rate-table th {
    text-align: left; padding: 12px 20px;
    font-weight: 600; font-size: 0.75rem;
    text-transform: uppercase; letter-spacing: 0.05em;
    color: var(--text-muted); background: var(--bg-section);
}
.rate-table td { padding: 14px 20px; border-bottom: 1px solid var(--border-light); color: var(--text-secondary); }
.rate-table tbody tr:last-child td { border-bottom: none; }
.rate-table .best-row { background: var(--accent-bg); }
.rate-table .best-row td { color: var(--accent); font-weight: 700; border-bottom-color: rgba(185,28,28,0.1); }
.rate-table .savings-row td { text-align: center; font-weight: 600; color: var(--text-primary); }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ============================================
   LOANS
   ============================================ */
.loans { padding: 80px 0; background: var(--bg-white); }
.loans .section-title { margin-bottom: 48px; }
.loans-grid { display: grid; grid-template-columns: 1fr; gap: 20px; margin-bottom: 48px; }

.loan-card {
    border-radius: var(--radius-lg); overflow: hidden;
    background: var(--bg); border: 1px solid var(--border-light);
    transition: var(--transition);
}
.loan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.loan-card > img { width: 100%; height: 200px; object-fit: cover; transition: transform 0.5s ease; }
.loan-card:hover > img { transform: scale(1.05); }
.loan-card-body { padding: 20px; }
.loan-card-body h3 { font-family: var(--font-display); font-size: 1.1rem; font-weight: 700; margin-bottom: 4px; }
.loan-rate { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; color: var(--accent); margin-bottom: 8px; }
.loan-rate span { font-size: 0.8rem; font-weight: 500; color: var(--text-muted); }
.loan-card-body p { color: var(--text-secondary); font-size: 0.9rem; margin-bottom: 16px; }
.loan-table-wrap { margin-top: 16px; }
.loan-rate-table td:last-child { font-weight: 700; color: var(--accent); }

/* ============================================
   CALCULATOR
   ============================================ */
.calculator { padding: 80px 0; background: var(--bg-section); }
.calculator .section-desc { margin-bottom: 40px; }

.calc-card {
    background: var(--bg-white);
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    padding: 32px 20px;
    display: flex; flex-direction: column; gap: 40px;
}

.calc-group { margin-bottom: 28px; }
.calc-group:last-child { margin-bottom: 0; }
.calc-group label { display: block; font-weight: 600; font-size: 0.875rem; margin-bottom: 8px; }
.calc-value-display { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; color: var(--accent); margin-bottom: 12px; }

input[type="range"] {
    -webkit-appearance: none; appearance: none;
    width: 100%; height: 6px;
    background: var(--border); border-radius: 3px; outline: none;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 24px; height: 24px;
    background: var(--accent); border-radius: 50%; cursor: pointer;
    box-shadow: 0 2px 8px rgba(185,28,28,0.25);
}
input[type="range"]::-moz-range-thumb {
    width: 24px; height: 24px;
    background: var(--accent); border-radius: 50%; cursor: pointer;
    border: none; box-shadow: 0 2px 8px rgba(185,28,28,0.25);
}
.range-labels { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--text-muted); margin-top: 6px; }

.calc-results { text-align: center; }
.calc-chart { display: flex; justify-content: center; margin-bottom: 24px; }
.calc-chart canvas { max-width: 220px; max-height: 220px; }
.calc-breakdown { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.calc-result-item { display: flex; justify-content: space-between; align-items: center; padding: 12px 16px; background: var(--bg-section); border-radius: var(--radius-sm); }
.calc-result-label { font-size: 0.875rem; color: var(--text-secondary); }
.calc-result-value { font-family: var(--font-display); font-weight: 700; font-size: 1.05rem; }
.emi-color { color: var(--accent); }
.interest-color { color: var(--orange); }
.total-color { color: var(--text-primary); }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials { padding: 80px 0; background: var(--bg-white); }
.testimonials .section-title { margin-bottom: 48px; }
.testimonial-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }

.testimonial-card {
    background: var(--bg); border: 1px solid var(--border-light);
    border-radius: var(--radius-lg); padding: 28px 24px;
    transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow); }
.testimonial-stars { color: var(--orange); font-size: 0.85rem; margin-bottom: 16px; }
.testimonial-stars i { margin-right: 2px; }
.testimonial-card blockquote {
    font-size: 0.95rem; color: var(--text-secondary);
    line-height: 1.7; margin-bottom: 20px; font-style: normal;
}

.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
    width: 48px; height: 48px; min-width: 48px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-weight: 700; font-size: 0.9rem; color: #fff;
    background: var(--accent);
}
.testimonial-avatar.teal { background: var(--accent); }
.testimonial-avatar.green { background: var(--green); }
.testimonial-avatar.blue { background: var(--blue); }
.testimonial-author strong { display: block; font-size: 0.9rem; }
.testimonial-author span { font-size: 0.8rem; color: var(--text-muted); }

/* ============================================
   ABOUT
   ============================================ */
.about { padding: 80px 0; background: var(--bg-section); }
.about-layout { display: flex; flex-direction: column; gap: 48px; }
.about-img-wrap { position: relative; overflow: visible; }
.about-img-wrap > img { width: 100%; height: 320px; object-fit: cover; border-radius: var(--radius-xl); }
.about-badge-card {
    position: absolute; bottom: -20px; right: 20px;
    background: var(--accent); color: #fff;
    padding: 16px 24px; border-radius: var(--radius);
    text-align: center; box-shadow: var(--shadow-lg);
}
.about-badge-num { font-family: var(--font-display); font-size: 2rem; font-weight: 700; display: block; line-height: 1; }
.about-badge-text { font-size: 0.75rem; font-weight: 500; opacity: 0.9; }
.about-content p { color: var(--text-secondary); font-size: 1rem; line-height: 1.7; margin-bottom: 24px; }

.about-values { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 24px; }
.value-item {
    display: flex; align-items: center; gap: 8px;
    padding: 10px 16px; background: var(--bg-white);
    border-radius: var(--radius-full); font-size: 0.85rem; font-weight: 600;
    border: 1px solid var(--border-light);
}
.value-item i { color: var(--accent); font-size: 0.85rem; }

.about-list li {
    display: flex; align-items: center; gap: 10px;
    padding: 8px 0; font-size: 0.9rem; color: var(--text-secondary);
}
.about-list i { color: var(--green); font-size: 0.8rem; }

/* ============================================
   TEAM
   ============================================ */
.team { padding: 80px 0; background: var(--bg-white); }
.team .section-title { margin-bottom: 48px; }
.team-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }

.team-card {
    text-align: center;
    padding: 28px 16px;
    background: var(--bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-light);
    transition: var(--transition);
}
.team-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }

.team-initials {
    width: 72px; height: 72px;
    margin: 0 auto 14px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-family: var(--font-display);
    font-weight: 700; font-size: 1.3rem; color: #fff;
}
.team-initials.bg-1 { background: var(--accent); }
.team-initials.bg-2 { background: #0E7490; }
.team-initials.bg-3 { background: var(--green); }
.team-initials.bg-4 { background: var(--blue); }
.team-initials.bg-5 { background: #6366F1; }

.team-card h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 4px; }
.team-card > span { font-size: 0.8rem; color: var(--text-muted); font-weight: 500; }

/* ============================================
   CONTACT
   ============================================ */
.contact { padding: 80px 0; background: var(--bg-section); }
.contact-layout { display: flex; flex-direction: column; gap: 48px; }
.contact-info p { color: var(--text-secondary); margin-bottom: 24px; max-width: 420px; }
.contact-cards { display: grid; grid-template-columns: 1fr; gap: 12px; }

.contact-card {
    display: flex; align-items: flex-start; gap: 14px;
    padding: 16px; background: var(--bg-white);
    border-radius: var(--radius); border: 1px solid var(--border-light);
}
.contact-card > i {
    width: 36px; height: 36px; min-width: 36px;
    display: flex; align-items: center; justify-content: center;
    background: var(--accent-bg); color: var(--accent);
    border-radius: var(--radius-sm); font-size: 0.85rem;
}
.contact-card strong { font-size: 0.875rem; display: block; margin-bottom: 2px; }
.contact-card p { font-size: 0.85rem; color: var(--text-secondary); margin: 0; }
.contact-card a { color: var(--accent); }

.contact-form {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    padding: 28px 20px;
}
.contact-form h3 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 700; margin-bottom: 24px; }
.form-row { display: grid; grid-template-columns: 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 0.8rem; font-weight: 600; margin-bottom: 6px; }

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%; padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-sm);
    font-size: 0.9rem; background: var(--bg);
    color: var(--text-primary);
    transition: var(--transition); outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(185,28,28,0.08);
}
.form-group textarea { resize: vertical; }
.form-group select { cursor: pointer; }

/* ============================================
   CTA BANNER
   ============================================ */
.cta-banner { padding: 80px 0; background: var(--bg-dark); text-align: center; }
.cta-content h2 {
    font-family: var(--font-display);
    font-size: clamp(1.5rem, 5vw, 2.25rem);
    font-weight: 700; color: #fff; margin-bottom: 12px;
}
.cta-content p { color: rgba(255,255,255,0.6); font-size: 1rem; margin-bottom: 32px; max-width: 480px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }

/* ============================================
   FOOTER
   ============================================ */
.footer { padding: 60px 0 24px; background: var(--bg-dark); border-top: 1px solid rgba(255,255,255,0.06); }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 40px; margin-bottom: 48px; }

.footer-brand .logo { margin-bottom: 16px; }
.footer-brand .logo-name { color: #fff; }
.footer-brand .logo-sub { color: rgba(255,255,255,0.5); max-width: 300px; }
.footer-brand > p { color: rgba(255,255,255,0.5); font-size: 0.9rem; line-height: 1.6; max-width: 280px; margin-bottom: 20px; }

.social-links { display: flex; gap: 10px; }
.social-links a {
    width: 38px; height: 38px;
    background: rgba(255,255,255,0.08); color: rgba(255,255,255,0.6);
    border-radius: var(--radius-sm);
    display: flex; align-items: center; justify-content: center;
    font-size: 0.85rem; transition: var(--transition);
}
.social-links a:hover { background: var(--accent); color: #fff; }

.footer-col h4 { font-family: var(--font-display); font-size: 0.9rem; font-weight: 700; color: #fff; margin-bottom: 16px; }
.footer-col a {
    display: flex; align-items: center; gap: 8px;
    padding: 6px 0; color: rgba(255,255,255,0.5);
    font-size: 0.875rem; transition: var(--transition);
}
.footer-col a:hover { color: #fff; }
.footer-col a i { font-size: 0.75rem; width: 16px; }

.footer-bottom { padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.06); text-align: center; }
.footer-bottom p { color: rgba(255,255,255,0.3); font-size: 0.8rem; }

/* ============================================
   BACK TO TOP
   ============================================ */
.back-to-top {
    position: fixed; bottom: 24px; right: 24px;
    width: 44px; height: 44px;
    background: var(--accent); color: #fff;
    border: none; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    cursor: pointer; box-shadow: var(--shadow-lg);
    opacity: 0; visibility: hidden; transform: translateY(20px);
    transition: var(--transition); z-index: 100;
}
.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--accent-hover); }

/* ============================================
   SCROLL REVEAL
   ============================================ */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ============================================
   FORM SUCCESS
   ============================================ */
.form-success { text-align: center; padding: 40px 20px; }
.form-success i { font-size: 3rem; color: var(--green); margin-bottom: 16px; }
.form-success h3 { font-family: var(--font-display); font-size: 1.3rem; margin-bottom: 8px; }
.form-success p { color: var(--text-secondary); }

/* ============================================
   RESPONSIVE — 640px+
   ============================================ */
@media (min-width: 640px) {
    .container { padding: 0 32px; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .loans-grid { grid-template-columns: repeat(2, 1fr); }
    .testimonial-grid { grid-template-columns: repeat(2, 1fr); }
    .team-grid { grid-template-columns: repeat(3, 1fr); }
    .form-row { grid-template-columns: 1fr 1fr; }
    .deposits-highlights { grid-template-columns: 1fr 1fr; }
    .contact-cards { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .hero-img-wrapper img { height: 460px; }
}

/* ============================================
   RESPONSIVE — 1024px+
   ============================================ */
@media (min-width: 1024px) {
    .container { padding: 0 40px; }
    .nav { display: flex; }
    .menu-toggle { display: none; }
    .mobile-menu { display: none !important; }
    .header .container { height: 72px; }

    .hero { padding: 120px 0 80px; }
    .hero .container { flex-direction: row; align-items: center; gap: 60px; }
    .hero-content { flex: 1; }
    .hero-visual { flex: 0 0 420px; max-width: 420px; }
    .hero-img-wrapper img { height: 520px; }

    .services { padding: 100px 0; }
    .services-grid { grid-template-columns: repeat(3, 1fr); }

    .deposits { padding: 100px 0; }
    .deposits-layout { flex-direction: row; gap: 60px; }
    .deposits-info { flex: 1; }
    .deposits-table-wrap { flex: 1; min-width: 0; }

    .loans { padding: 100px 0; }
    .loans-grid { grid-template-columns: repeat(4, 1fr); }

    .calculator { padding: 100px 0; }
    .calc-card { flex-direction: row; padding: 48px; gap: 60px; }
    .calc-inputs { flex: 1; }
    .calc-results { flex: 1; }

    .testimonials { padding: 100px 0; }
    .testimonial-grid { grid-template-columns: repeat(3, 1fr); }

    .about { padding: 100px 0; }
    .about-layout { flex-direction: row; align-items: center; gap: 60px; }
    .about-img-wrap { flex: 0 0 440px; }
    .about-img-wrap > img { height: 420px; }
    .about-content { flex: 1; }

    .team { padding: 100px 0; }
    .team-grid { grid-template-columns: repeat(5, 1fr); }

    .contact { padding: 100px 0; }
    .contact-layout { flex-direction: row; gap: 60px; }
    .contact-info { flex: 1; }
    .contact-form-wrap { flex: 1; }

    .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr; }
}

@media (min-width: 1280px) {
    .hero-visual { flex: 0 0 480px; max-width: 480px; }
    .hero-img-wrapper img { height: 560px; }
    .float-card-1 { left: -40px; }
    .float-card-2 { right: -40px; }
}

/* ============================================
   ACCESSIBILITY
   ============================================ */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
    html { scroll-behavior: auto; }
}
:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }