/* ============================================================
   SecureBank – Public Site Stylesheet
   Corporate/Traditional Banking Style
   ============================================================ */

/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:      #003366;
  --navy-dark: #002244;
  --gold:      #c9a84c;
  --gold-light:#f0e0a0;
  --red:       #8b1a1a;
  --white:     #ffffff;
  --gray-50:   #f8fafc;
  --gray-100:  #f1f5f9;
  --gray-200:  #e2e8f0;
  --gray-300:  #cbd5e1;
  --gray-500:  #64748b;
  --gray-700:  #334155;
  --gray-900:  #0f172a;
  --text:      #1e293b;
  --shadow-sm: 0 1px 3px rgba(0,0,0,.08);
  --shadow-md: 0 4px 16px rgba(0,0,0,.10);
  --radius:    4px;
  --container: 1200px;
}

html { font-size: 16px; scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }

/* === BUTTONS === */
.btn {
  display: inline-block;
  padding: 10px 24px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: background .2s, border-color .2s;
  border: 2px solid transparent;
  text-align: center;
  text-decoration: none;
}
.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-dark); border-color: var(--navy-dark); text-decoration: none; color: var(--white); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); text-decoration: none; }

/* Outline button when it sits inside the dark site-header */
.site-header .btn-outline { color: var(--white); border-color: rgba(255,255,255,.6); }
.site-header .btn-outline:hover { background: rgba(255,255,255,.15); color: var(--white); border-color: var(--white); }
.btn-gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover { background: #b8922e; color: var(--navy); text-decoration: none; }
.btn-sm { padding: 7px 16px; font-size: 13px; }
.btn-danger { background: var(--red); color: var(--white); border-color: var(--red); }

/* === TOP BAR === */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,.7);
  font-size: 12px;
  padding: 6px 0;
}
.topbar-inner { display: flex; align-items: center; justify-content: space-between; }
.topbar-right { display: flex; gap: 16px; align-items: center; }
.topbar-right a { color: rgba(255,255,255,.7); font-size: 12px; }
.topbar-right a:hover { color: var(--gold); text-decoration: none; }
.btn-topbar {
  background: var(--gold);
  color: var(--navy) !important;
  padding: 4px 14px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 12px;
}
.btn-topbar:hover { background: #b8922e; text-decoration: none; }

/* === HEADER === */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 8px rgba(0,0,0,.2);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 32px;
  padding: 0 24px;
  height: 64px;
  max-width: var(--container);
  margin: 0 auto;
}
.site-logo { display: flex; align-items: center; gap: 8px; color: var(--white); text-decoration: none; }
.logo-icon { color: var(--gold); font-size: 20px; }
.logo-text { font-size: 20px; font-weight: 700; color: var(--white); letter-spacing: -.5px; }
.site-logo:hover { text-decoration: none; }

.main-nav { display: flex; gap: 4px; flex: 1; }
.main-nav a {
  color: rgba(255,255,255,.85);
  padding: 8px 14px;
  border-radius: var(--radius);
  font-size: 14px;
  font-weight: 500;
  transition: background .15s, color .15s;
}
.main-nav a:hover { background: rgba(255,255,255,.1); color: var(--white); text-decoration: none; }
.header-cta { display: flex; gap: 10px; margin-left: auto; }
.mobile-menu-toggle { display: none; background: none; border: none; color: var(--white); font-size: 22px; cursor: pointer; }
.mobile-nav { display: none; background: var(--navy-dark); padding: 12px 24px 16px; }
.mobile-nav a { display: block; color: rgba(255,255,255,.85); padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.08); font-size: 15px; }
.mobile-nav.open { display: block; }

/* === ALERTS === */
.alert {
  padding: 14px 20px;
  border-left: 4px solid;
  margin: 12px 0;
  border-radius: var(--radius);
  font-size: 14px;
}
.alert-success { background: #dcfce7; border-color: #16a34a; color: #14532d; }
.alert-error   { background: #fef2f2; border-color: #dc2626; color: #7f1d1d; }
.alert-warning { background: #fef9c3; border-color: #ca8a04; color: #713f12; }
.alert-info    { background: #eff6ff; border-color: #2563eb; color: #1e3a8a; }

/* === HERO === */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #004080 50%, #00264d 100%);
  color: var(--white);
  padding: 80px 0 100px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -40px; right: -80px;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: rgba(201,168,76,.08);
}
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.hero-text { }
.hero-eyebrow { font-size: 12px; text-transform: uppercase; letter-spacing: 1px; color: var(--gold); font-weight: 600; margin-bottom: 12px; }
.hero h1 { font-size: 2.8rem; font-weight: 700; line-height: 1.15; margin-bottom: 20px; }
.hero h1 span, .hero-highlight { color: var(--gold); }
.hero-sub { font-size: 1.05rem; color: rgba(255,255,255,.85); margin-bottom: 32px; }
.hero p { font-size: 1.1rem; color: rgba(255,255,255,.85); margin-bottom: 32px; }
.hero-actions, .hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 28px; }
.hero-trust { display: flex; gap: 20px; flex-wrap: wrap; margin-top: 8px; }
.hero-trust span { font-size: 12px; color: rgba(255,255,255,.75); display: flex; align-items: center; gap: 5px; }
.hero-visual { display: flex; align-items: center; justify-content: center; }
/* Credit card visual */
.hero-card {
  background: linear-gradient(135deg, #1a3a6b 0%, #003366 100%);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 16px;
  padding: 32px;
  width: 340px;
  min-height: 200px;
  box-shadow: 0 20px 60px rgba(0,0,0,.4);
  position: relative;
}
.hero-card-chip { width: 44px; height: 34px; background: var(--gold); border-radius: 6px; margin-bottom: 24px; opacity: .85; }
.hero-card-number { font-size: 1.1rem; color: rgba(255,255,255,.9); letter-spacing: 3px; margin-bottom: 24px; font-family: 'Courier New', monospace; }
.hero-card-row { display: flex; justify-content: space-between; font-size: 12px; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .5px; }
.hero-stat { margin-bottom: 16px; }
.hero-stat .stat-value { font-size: 2rem; font-weight: 700; color: var(--white); }
.hero-stat .stat-label { font-size: 12px; color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .5px; }

/* === TRUST BAR === */
.trust-bar { background: var(--gold); padding: 16px 0; }
.trust-bar-inner { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; color: var(--navy); font-weight: 600; font-size: 14px; }

/* === SECTION TITLES === */
.section { padding: 80px 0; }
.section-alt { background: var(--gray-50); }
.section-title { text-align: center; margin-bottom: 48px; }
.section-title h2 { font-size: 2rem; color: var(--navy); margin-bottom: 12px; font-weight: 700; }
.section-title p { color: var(--gray-500); font-size: 1rem; max-width: 580px; margin: 0 auto; }
.section-divider { width: 60px; height: 3px; background: var(--gold); margin: 12px auto 0; border-radius: 2px; }

/* === CARDS GRID === */
.cards-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 6px;
  padding: 28px;
  transition: box-shadow .2s, border-color .2s;
}
.card:hover { box-shadow: var(--shadow-md); border-color: var(--gray-300); }
.card-icon { font-size: 28px; margin-bottom: 16px; }
.card h3 { color: var(--navy); font-size: 1.1rem; margin-bottom: 8px; }
.card p { color: var(--gray-500); font-size: 14px; line-height: 1.6; }
.card-link { display: inline-block; margin-top: 16px; font-size: 14px; font-weight: 600; color: var(--navy); }
.card-link:hover { color: var(--gold); }

/* === RATES TABLE === */
.rates-table { width: 100%; border-collapse: collapse; }
.rates-table th { background: var(--navy); color: var(--white); padding: 12px 16px; text-align: left; font-size: 13px; text-transform: uppercase; letter-spacing: .5px; }
.rates-table td { padding: 12px 16px; border-bottom: 1px solid var(--gray-200); font-size: 14px; }
.rates-table tr:last-child td { border-bottom: none; }
.rates-table tr:hover td { background: var(--gray-50); }
.rate-highlight { color: var(--navy); font-weight: 700; font-size: 16px; }

/* === FAQ === */
.faq-list { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--gray-200); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  cursor: pointer;
  font-weight: 600;
  color: var(--navy);
  font-size: 15px;
}
.faq-question:hover { color: var(--gold); }
.faq-chevron { font-size: 20px; transition: transform .2s; }
.faq-answer { padding: 0 0 20px; color: var(--gray-700); font-size: 14px; display: none; }
.faq-item.open .faq-answer { display: block; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }

/* === CONTACT FORM === */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--gray-700); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,51,102,.08);
}
.form-group textarea { resize: vertical; min-height: 120px; }

/* === AUTH SECTION (Login / Register page wrapper) === */
.auth-section {
  background: linear-gradient(135deg, var(--navy) 0%, #004080 100%);
  min-height: calc(100vh - 130px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 16px;
}
.auth-section-wide { align-items: flex-start; padding: 40px 16px 60px; }
.auth-container { width: 100%; max-width: 460px; }
.auth-brand { text-align: center; margin-bottom: 24px; }
.auth-brand .auth-logo {
  font-size: 24px; font-weight: 700; color: var(--white);
  text-decoration: none; display: inline-block; margin-bottom: 4px;
}
.auth-brand p { color: rgba(255,255,255,.7); font-size: 13px; }
.auth-divider {
  text-align: center; margin: 20px 0; position: relative;
}
.auth-divider::before {
  content: ''; position: absolute; left: 0; right: 0; top: 50%;
  height: 1px; background: var(--gray-200);
}
.auth-divider span {
  position: relative; z-index: 1;
  background: var(--white); padding: 0 12px;
  color: var(--gray-500); font-size: 13px;
}
.auth-footer-note { color: rgba(255,255,255,.6); font-size: 12px; text-align: center; margin-top: 16px; }

/* === LOGIN PAGE (legacy .auth-page kept for compatibility) === */
.auth-page {
  background: linear-gradient(135deg, var(--navy) 0%, #004080 100%);
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px 16px;
}
.auth-card {
  background: var(--white);
  border-radius: 8px;
  padding: 48px 44px;
  width: 100%;
  max-width: 440px;
  box-shadow: 0 24px 64px rgba(0,0,0,.25);
}
.auth-logo { text-align: center; margin-bottom: 32px; }
.auth-logo .logo-icon { color: var(--gold); font-size: 24px; }
.auth-logo .logo-text { font-size: 22px; font-weight: 700; color: var(--navy); }
.auth-card h2 { font-size: 1.4rem; color: var(--navy); margin-bottom: 8px; }
.auth-card p { color: var(--gray-500); font-size: 14px; margin-bottom: 28px; }
.auth-footer { text-align: center; margin-top: 24px; font-size: 13px; color: var(--gray-500); }

/* === FORM CONTROLS (.form-control class on input elements) === */
.form-control {
  display: block;
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--gray-300);
  border-radius: var(--radius);
  font-size: 14px;
  color: var(--text);
  background: var(--white);
  transition: border-color .2s, box-shadow .2s;
  font-family: inherit;
}
.form-control:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,51,102,.08);
}
select.form-control { appearance: auto; }

/* === PASSWORD EYE TOGGLE === */
.input-eye { position: relative; }
.input-eye .form-control { padding-right: 44px; }
.eye-toggle {
  position: absolute; right: 12px; top: 50%;
  transform: translateY(-50%);
  background: none; border: none;
  cursor: pointer; color: var(--gray-500);
  font-size: 16px; padding: 0; line-height: 1;
}
.eye-toggle:hover { color: var(--navy); }

/* === FORM HELPERS === */
.form-hint { font-size: 12px; color: var(--gray-500); margin-top: 4px; display: block; }
.form-check-row { display: flex; justify-content: space-between; align-items: center; margin-bottom: 20px; }
.form-check { display: flex; align-items: center; gap: 8px; font-size: 14px; color: var(--gray-700); cursor: pointer; }
.form-check input[type="checkbox"] { width: auto; margin: 0; }

/* === REGISTER WIZARD === */
/* Legacy classes kept for backward compat */
.register-page { background: var(--gray-50); min-height: 100vh; padding: 40px 16px; }
.wizard-container { max-width: 720px; margin: 0 auto; background: var(--white); border-radius: 8px; border: 1px solid var(--gray-200); box-shadow: var(--shadow-md); overflow: hidden; }
.wizard-header { background: var(--navy); padding: 28px 40px; }
.wizard-header h2 { color: var(--white); font-size: 1.3rem; margin-bottom: 4px; }
.wizard-header p  { color: rgba(255,255,255,.7); font-size: 13px; }
.wizard-body { padding: 36px 40px; }
.wizard-progress-text { font-size: 13px; color: var(--gray-500); }
.upload-area { border: 2px dashed var(--gray-300); border-radius: var(--radius); padding: 32px; text-align: center; cursor: pointer; transition: border-color .2s, background .2s; }
.upload-area:hover { border-color: var(--navy); background: var(--gray-50); }
.upload-area input { display: none; }
.upload-icon { font-size: 36px; margin-bottom: 8px; }
.upload-area p { color: var(--gray-500); font-size: 13px; }

/* ── NEW: classes actually used in register.blade.php ── */
.register-container { max-width: 760px; margin: 0 auto; }
.register-header { text-align: center; margin-bottom: 28px; }
.register-header .auth-logo { font-size: 22px; font-weight: 700; color: var(--white); text-decoration: none; display: inline-block; margin-bottom: 6px; }
.register-header h2 { color: var(--white); font-size: 1.5rem; margin-bottom: 4px; }
.register-header p  { color: rgba(255,255,255,.75); font-size: 14px; }

/* Progress bar */
.wizard-progress { background: var(--white); border-radius: 8px 8px 0 0; padding: 20px 24px 16px; border-bottom: 1px solid var(--gray-200); }
.progress-steps { display: flex; align-items: center; }
.progress-step { flex: 1; text-align: center; }
.step-circle {
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--gray-200); color: var(--gray-500);
  font-size: 13px; font-weight: 700;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 6px;
  transition: background .2s, color .2s;
}
.progress-step.active .step-circle { background: var(--navy); color: var(--white); }
.progress-step.done   .step-circle { background: #16a34a; color: var(--white); }
.progress-step.active .step-label  { color: var(--navy); font-weight: 600; }
.progress-line { flex: 1; height: 2px; background: var(--gray-200); margin: 0 2px 18px; min-width: 12px; }

/* Wizard card */
.wizard-card { background: var(--white); border-radius: 0 0 8px 8px; box-shadow: 0 8px 32px rgba(0,0,0,.15); }
.wizard-card .wizard-step { display: none; padding: 28px 32px; }
.wizard-card .wizard-step.active { display: block; animation: wizardSlideIn .35s ease; }
@keyframes wizardSlideIn { from { opacity: 0; transform: translateX(22px); } to { opacity: 1; transform: translateX(0); } }
.wizard-card .wizard-step h3 { color: var(--navy); font-size: 1.1rem; margin-bottom: 20px; padding-bottom: 10px; border-bottom: 2px solid var(--gold); }
.wizard-nav { display: flex; justify-content: space-between; align-items: center; padding: 16px 32px; border-top: 1px solid var(--gray-200); background: var(--gray-50); border-radius: 0 0 8px 8px; }

/* Validation feedback */
.is-invalid { border-color: #dc2626 !important; box-shadow: 0 0 0 3px rgba(220,38,38,.1) !important; }
.invalid-feedback { display: none; font-size: 12px; color: #dc2626; margin-top: 4px; }
.is-invalid ~ .invalid-feedback { display: block; }

/* Old step indicators kept */
.wizard-steps { display: flex; padding: 24px 40px; background: var(--gray-50); border-bottom: 1px solid var(--gray-200); gap: 4px; }
.step-indicator { flex: 1; text-align: center; position: relative; }
.step-indicator::after { content: ''; position: absolute; top: 14px; left: 50%; width: 100%; height: 2px; background: var(--gray-200); z-index: 0; }
.step-indicator:last-child::after { display: none; }
.step-dot { width: 28px; height: 28px; border-radius: 50%; background: var(--gray-200); color: var(--gray-500); font-size: 12px; font-weight: 700; display: flex; align-items: center; justify-content: center; margin: 0 auto 6px; position: relative; z-index: 1; transition: background .2s; }
.step-indicator.active .step-dot  { background: var(--navy); color: var(--white); }
.step-indicator.done   .step-dot  { background: #16a34a; color: var(--white); }
.step-label { font-size: 11px; color: var(--gray-500); font-weight: 500; }
.step-indicator.active .step-label { color: var(--navy); font-weight: 600; }

/* Form row layouts */
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-grid .full-width { grid-column: 1 / -1; }

/* Account type selector */
.account-type-selector { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 4px; }
.account-type-option { cursor: pointer; }
.account-type-option input[type="radio"] { display: none; }
.option-box { display: flex; flex-direction: column; border: 2px solid var(--gray-200); border-radius: 6px; padding: 16px; transition: border-color .2s, background .2s; }
.account-type-option input:checked + .option-box { border-color: var(--navy); background: rgba(0,51,102,.04); }
.option-box strong { color: var(--navy); font-size: 14px; margin-bottom: 4px; display: block; }
.option-box small  { color: var(--gray-500); font-size: 12px; }

/* File upload area */
.file-upload-area {
  border: 2px dashed var(--gray-300);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  position: relative;
  cursor: pointer;
  transition: border-color .2s, background .2s;
}
.file-upload-area:hover { border-color: var(--navy); background: var(--gray-50); }
.file-upload-area input[type="file"] { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; height: 100%; }
.file-upload-label { color: var(--gray-500); font-size: 14px; pointer-events: none; }

/* Security / SSN notice */
.ssn-notice { background: #eff6ff; border: 1px solid #bfdbfe; border-radius: var(--radius); padding: 10px 14px; font-size: 13px; color: #1e3a8a; margin-top: 12px; }
.step-description { color: var(--gray-500); font-size: 14px; margin-bottom: 20px; }

/* ══════════════════════════════════════════════════════════
   SPLIT-PANEL REGISTRATION PAGE
══════════════════════════════════════════════════════════ */
.reg-split-wrap {
  display: grid;
  grid-template-columns: 400px 1fr;
  min-height: calc(100vh - 72px);
}

/* ── Left brand panel ── */
.reg-brand-panel {
  background: linear-gradient(160deg, #001f3f 0%, #003366 55%, #004080 100%);
  position: sticky;
  top: 72px;
  height: calc(100vh - 72px);
  overflow-y: auto;
  display: flex;
  align-items: center;
}
.reg-brand-inner {
  padding: 52px 40px;
  width: 100%;
}
.reg-logo {
  font-size: 22px;
  font-weight: 800;
  color: var(--gold);
  text-decoration: none;
  letter-spacing: -.3px;
  display: inline-block;
  margin-bottom: 36px;
}
.reg-brand-headline {
  font-size: 2rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 14px;
  letter-spacing: -.5px;
}
.reg-brand-sub {
  color: rgba(255,255,255,.7);
  font-size: 14px;
  line-height: 1.65;
  margin-bottom: 36px;
}
.reg-trust-list {
  list-style: none;
  padding: 0;
  margin: 0 0 40px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.reg-trust-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 13.5px;
  color: rgba(255,255,255,.85);
}
.reg-trust-icon {
  font-size: 18px;
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: rgba(255,255,255,.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.reg-testimonial {
  border-left: 3px solid var(--gold);
  padding-left: 16px;
  margin: 0;
}
.reg-testimonial blockquote {
  font-size: 13px;
  color: rgba(255,255,255,.8);
  font-style: italic;
  line-height: 1.6;
  margin: 0 0 8px;
}
.reg-testimonial figcaption {
  font-size: 12px;
  color: var(--gold);
  font-weight: 600;
}

/* ── Right form panel ── */
.reg-form-panel {
  background: #f8f9fc;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 48px 32px 72px;
}
.reg-form-inner { width: 100%; max-width: 680px; }

.reg-form-header { margin-bottom: 28px; }
.reg-form-header h1 {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 6px;
  letter-spacing: -.3px;
}
.reg-form-header p { font-size: 13.5px; color: var(--gray-500); }
.req-star { color: #dc2626; font-weight: 700; }

/* ── Step progress bar (new) ── */
.rw-progress {
  display: flex;
  align-items: center;
  margin-bottom: 32px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  padding: 16px 20px;
  box-shadow: 0 2px 8px rgba(0,0,0,.04);
}
.rw-step { text-align: center; flex: 1; }
.rw-step-circle {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-500);
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 5px;
  transition: background .25s, color .25s, box-shadow .25s;
}
.rw-step.active .rw-step-circle {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 0 0 4px rgba(0,51,102,.15);
}
.rw-step.done .rw-step-circle { background: #16a34a; color: var(--white); }
.rw-step-label { font-size: 10.5px; font-weight: 500; color: var(--gray-400); line-height: 1; }
.rw-step.active .rw-step-label { color: var(--navy); font-weight: 700; }
.rw-step.done   .rw-step-label { color: #16a34a; }
.rw-step-line { flex: 1; height: 2px; background: var(--gray-200); margin: 0 6px 18px; min-width: 8px; transition: background .25s; }
.rw-step.done ~ .rw-step-line { background: #16a34a; }

/* ── Wizard steps inside new panel ── */
.wizard-step { display: none; background: var(--white); border: 1px solid var(--gray-200); border-radius: 12px; padding: 32px 36px; box-shadow: 0 4px 20px rgba(0,0,0,.06); }
.wizard-step.active { display: block; animation: rwSlideIn .3s ease; }
@keyframes rwSlideIn { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: translateY(0); } }

.rw-step-heading { display: flex; align-items: center; gap: 14px; margin-bottom: 24px; padding-bottom: 16px; border-bottom: 2px solid var(--gray-100); }
.rw-step-heading h3 { margin: 0; font-size: 1.1rem; font-weight: 700; color: var(--navy); }
.rw-step-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

/* Account type options – improved */
.opt-icon { font-size: 20px; margin-bottom: 6px; }
.option-box { gap: 2px; }

/* File upload – improved */
.file-upload-label {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  color: var(--gray-500);
  font-size: 14px;
  pointer-events: none;
}
.file-upload-label .file-upload-icon { font-size: 28px; margin-bottom: 4px; }
.file-upload-label small { font-size: 11px; color: var(--gray-400); }

/* Security notice */
.rw-security-notice {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  border-radius: 8px;
  padding: 10px 14px;
  font-size: 12.5px;
  color: #1e3a8a;
  margin-top: 16px;
}
.rw-step-desc { color: var(--gray-500); font-size: 13.5px; margin-bottom: 20px; margin-top: -8px; }
.rw-link { color: var(--navy); font-weight: 600; }
.rw-tos-check { font-size: 13px; color: var(--gray-700); }

/* Navigation */
.rw-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 20px;
}
.rw-btn-back { min-width: 110px; }
.rw-btn-next { min-width: 160px; margin-left: auto; }

/* Responsive */
@media (max-width: 1024px) {
  .reg-split-wrap { grid-template-columns: 320px 1fr; }
}
@media (max-width: 768px) {
  .reg-split-wrap { grid-template-columns: 1fr; }
  .reg-brand-panel { position: relative; top: auto; height: auto; }
  .reg-brand-inner { padding: 36px 24px; }
  .reg-brand-headline { font-size: 1.6rem; }
  .reg-form-panel { padding: 32px 16px 56px; }
  .wizard-step { padding: 24px 20px; }
  .rw-progress { padding: 12px 10px; }
  .rw-step-label { display: none; }
}

/* === FOOTER === */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,.75); padding-top: 56px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 40px; }
.footer-brand { }
.footer-logo { font-size: 20px; font-weight: 700; color: var(--white); margin-bottom: 12px; }
.footer-logo .logo-icon { color: var(--gold); }
.footer-brand p { font-size: 13px; line-height: 1.7; }
.footer-cert { margin-top: 12px; font-size: 12px; color: var(--gold); font-weight: 600; }
.site-footer h4 { color: var(--white); font-size: 13px; text-transform: uppercase; letter-spacing: .5px; margin-bottom: 14px; font-weight: 700; }
.site-footer a { display: block; color: rgba(255,255,255,.6); font-size: 13px; margin-bottom: 8px; }
.site-footer a:hover { color: var(--gold); text-decoration: none; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 16px 0;
  font-size: 12px;
  color: rgba(255,255,255,.45);
}
.footer-bottom .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }

/* === PAGE HERO (inner pages) === */
.page-hero {
  background: linear-gradient(90deg, var(--navy) 0%, #004080 100%);
  color: var(--white);
  padding: 56px 0;
  text-align: center;
}
.page-hero h1 { font-size: 2.2rem; font-weight: 700; margin-bottom: 10px; }
.page-hero p  { color: rgba(255,255,255,.8); font-size: 1rem; }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.6); margin-bottom: 12px; }
.breadcrumb a { color: var(--gold); }

/* === CTA SECTION === */
.cta-section { background: var(--navy); color: var(--white); padding: 72px 0; text-align: center; }
.cta-section h2 { font-size: 2rem; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,.75); font-size: 1rem; margin-bottom: 32px; }
.cta-section .btn-gold { font-size: 16px; padding: 14px 36px; }

/* === PRODUCT CARDS === */
.product-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: 6px;
  overflow: hidden;
  transition: box-shadow .2s, border-color .2s;
}
.product-card:hover { box-shadow: var(--shadow-md); border-color: var(--navy); }
.product-card-header { background: var(--navy); color: var(--white); padding: 20px 24px; }
.product-card-header h3 { font-size: 1.1rem; font-weight: 700; }
.product-card-header p { font-size: 12px; color: rgba(255,255,255,.7); margin-top: 4px; }
.product-card-body { padding: 24px; }
.product-feature { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 12px; font-size: 14px; }
.product-feature::before { content: '✓'; color: #16a34a; font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.product-rate { text-align: center; padding: 16px; background: var(--gray-50); border-top: 1px solid var(--gray-200); }
.product-rate .rate-val { font-size: 1.8rem; font-weight: 700; color: var(--navy); }
.product-rate .rate-lbl { font-size: 12px; color: var(--gray-500); }

/* === TEAM / ABOUT === */
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; }
.team-card { background: var(--white); border: 1px solid var(--gray-200); border-radius: 6px; padding: 28px; text-align: center; }
.team-avatar { width: 80px; height: 80px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-size: 28px; font-weight: 700; margin: 0 auto 16px; }
.team-card h3 { color: var(--navy); font-size: 1rem; margin-bottom: 4px; }
.team-card p  { color: var(--gray-500); font-size: 13px; }

/* === STATS BAR === */
.stats-bar { background: var(--navy); color: var(--white); padding: 48px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item .stat-value { font-size: 2.4rem; font-weight: 700; color: var(--gold); }
.stat-item .stat-label { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* === SECTION VARIANTS === */
.section-white { background: var(--white); }
.section-gray  { background: var(--gray-50); }
.section-navy  { background: var(--navy); padding: 72px 0; }

/* section-header matches Blade templates (.section-title also kept for backwards compat) */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { font-size: 2rem; color: var(--navy); margin-bottom: 12px; font-weight: 700; }
.section-header p { color: var(--gray-500); font-size: 1rem; max-width: 580px; margin: 0 auto; }
.section-navy .section-header h2 { color: var(--white); }
.section-navy .section-header p  { color: rgba(255,255,255,.75); }

/* === FEATURE CARDS (4-up grid) === */
.card-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 6px;
  padding: 28px;
  transition: box-shadow .2s, border-color .2s;
}
.feature-card:hover { box-shadow: var(--shadow-md); border-color: var(--navy); }
.feature-icon { font-size: 36px; margin-bottom: 16px; }
.feature-card h3 { color: var(--navy); font-size: 1.05rem; margin-bottom: 8px; font-weight: 700; }
.feature-card p  { color: var(--gray-500); font-size: 14px; line-height: 1.6; }

/* === BUTTON SIZES === */
.btn-lg   { padding: 14px 32px; font-size: 16px; }
.btn-full { width: 100%; display: block; text-align: center; margin-top: 8px; }

/* === TWO-COLUMN SECTION (Why Choose Us) === */
.two-col-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.two-col-text h2 { font-size: 1.8rem; color: var(--navy); margin-bottom: 24px; font-weight: 700; }

.trust-list { margin-bottom: 28px; }
.trust-list .trust-item { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 20px; color: inherit; font-weight: normal; font-size: 1rem; }
.trust-check { width: 28px; height: 28px; min-width: 28px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 13px; margin-top: 2px; }
.trust-list .trust-item strong { color: var(--navy); font-size: 15px; display: block; margin-bottom: 2px; }
.trust-list .trust-item p { color: var(--gray-500); font-size: 13px; margin: 0; }

/* Two-col stats grid */
.two-col-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-box {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 28px 20px;
  text-align: center;
}
.stat-number { font-size: 2rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.stat-box .stat-label { font-size: 13px; color: var(--gray-500); }

/* === CARD GRID 3 === */
.card-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* === SERVICE IMAGE CARDS === */
.service-img-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 10px;
  overflow: hidden;
  transition: box-shadow .22s, transform .22s;
}
.service-img-card:hover { box-shadow: 0 12px 36px rgba(0,0,0,.12); transform: translateY(-3px); }
.service-img-card img { width: 100%; height: 200px; object-fit: cover; display: block; }
.service-img-body { padding: 24px; }
.service-img-body h3 { color: var(--navy); font-size: 1.1rem; font-weight: 700; margin-bottom: 8px; }
.service-img-body p  { color: var(--gray-500); font-size: 14px; line-height: 1.65; margin-bottom: 16px; }

/* === HERO WITH PHOTO === */
.hero-photo {
  position: relative;
  background: var(--navy);
  color: var(--white);
  padding: 100px 0 120px;
  overflow: hidden;
}
.hero-photo-bg {
  position: absolute; inset: 0;
  background-image: url('https://images.unsplash.com/photo-1477959858617-67f85cf4f1df?w=1800&q=85');
  background-size: cover; background-position: center top;
  opacity: 1;
}
.hero-photo-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(0,20,50,.91) 0%, rgba(0,40,90,.80) 55%, rgba(0,55,110,.65) 100%);
}
.hero-photo-inner {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 60px; align-items: center;
  max-width: var(--container); margin: 0 auto; padding: 0 24px;
}
.hero-img-frame {
  border-radius: 16px; overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,.45);
  position: relative;
}
.hero-img-frame img { width: 100%; height: 420px; object-fit: cover; display: block; }
.hero-img-frame::after {
  content: '';
  position: absolute; inset: 0;
  border: 2px solid rgba(201,168,76,.3);
  border-radius: 16px; pointer-events: none;
}
.hero-badge {
  position: absolute; bottom: 24px; left: 24px; right: 24px;
  background: rgba(0,33,68,.9); backdrop-filter: blur(8px);
  border: 1px solid rgba(201,168,76,.3); border-radius: 10px;
  padding: 14px 18px; display: flex; align-items: center; gap: 14px;
}
.hero-badge-icon { font-size: 1.6rem; }
.hero-badge-text strong { display: block; color: var(--white); font-size: .85rem; font-weight: 700; }
.hero-badge-text span { color: var(--gold); font-size: .75rem; }

/* === TESTIMONIALS === */
.testimonials-section { background: var(--gray-50); padding: 96px 0; }
.testimonials-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.testimonial-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 12px; padding: 28px; position: relative;
  transition: box-shadow .22s, transform .22s;
}
.testimonial-card:hover { box-shadow: 0 8px 32px rgba(0,0,0,.1); transform: translateY(-2px); }
.testimonial-card::before {
  content: '\201C';
  position: absolute; top: 18px; right: 22px;
  font-size: 4rem; line-height: 1; color: var(--gold); opacity: .25;
  font-family: Georgia, serif;
}
.testimonial-stars { color: #f59e0b; font-size: 14px; margin-bottom: 14px; letter-spacing: 1px; }
.testimonial-text { color: var(--gray-700); font-size: .9rem; line-height: 1.75; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  object-fit: cover; border: 2px solid var(--gold);
  flex-shrink: 0;
}
.testimonial-name { font-weight: 700; color: var(--navy); font-size: .9rem; display: block; }
.testimonial-role { color: var(--gray-500); font-size: .78rem; }

/* === CTA WITH PHOTO === */
.cta-photo-section {
  position: relative; overflow: hidden;
  padding: 100px 0; text-align: center; color: var(--white);
}
.cta-photo-bg {
  position: absolute; inset: 0;
  background-image: url('https://images.unsplash.com/photo-1444653614773-995cb1ef9efa?w=1400&q=80');
  background-size: cover; background-position: center;
  filter: brightness(.35);
}
.cta-photo-inner { position: relative; z-index: 2; }
.cta-photo-inner h2 { font-size: 2.4rem; font-weight: 700; margin-bottom: 14px; }
.cta-photo-inner p { color: rgba(255,255,255,.82); font-size: 1.05rem; max-width: 520px; margin: 0 auto 32px; line-height: 1.7; }

/* === ABOUT PAGE PHOTO === */
.about-img-wrap { border-radius: 14px; overflow: hidden; box-shadow: 0 20px 60px rgba(0,0,0,.15); }
.about-img-wrap img { width: 100%; height: 380px; object-fit: cover; display: block; }

/* === FEATURE CARD ENHANCED === */
.feature-card-img { display: block; width: 56px; height: 56px; border-radius: 14px; margin-bottom: 18px; object-fit: cover; }
.feature-card-icon-wrap {
  width: 56px; height: 56px; border-radius: 14px;
  background: linear-gradient(135deg, var(--navy), #004080);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px; font-size: 24px;
}

/* === CONTACT PAGE === */
.contact-detail { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 28px; }
.contact-detail-icon {
  width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), #004080);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px;
}
.contact-detail-text strong { display: block; color: var(--navy); font-size: .9rem; margin-bottom: 3px; font-weight: 700; }
.contact-detail-text p, .contact-detail-text a { color: var(--gray-500); font-size: .875rem; margin: 0; }
.contact-detail-text a:hover { color: var(--navy); }
.contact-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 12px; padding: 32px; box-shadow: var(--shadow-sm);
}

/* === LOAN PRODUCT CARDS === */
.loan-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  overflow: hidden;
  transition: box-shadow .22s, transform .22s;
}
.loan-card:hover { box-shadow: 0 12px 36px rgba(0,0,0,.12); transform: translateY(-3px); }
.loan-card.featured { border: 2px solid var(--gold); }
.loan-card-img { width: 100%; height: 180px; object-fit: cover; display: block; }
.loan-card-body { padding: 24px; }
.loan-card-badge {
  display: inline-block; background: var(--gold); color: var(--navy);
  font-size: .7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .5px; padding: 3px 10px; border-radius: 20px; margin-bottom: 10px;
}
.loan-card-body h3 { color: var(--navy); font-size: 1.1rem; font-weight: 700; margin-bottom: 6px; }
.loan-card-rate { font-size: 1.5rem; font-weight: 800; color: var(--navy); margin-bottom: 4px; }
.loan-card-rate small { font-size: .75rem; font-weight: 500; color: var(--gray-500); }
.loan-card-body p { color: var(--gray-500); font-size: .875rem; line-height: 1.65; margin-bottom: 16px; }

/* === VISUAL CREDIT CARD MOCKUP === */
.card-mockup-wrap {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.card-product {
  border-radius: 14px; overflow: hidden;
  border: 1px solid var(--gray-200);
  transition: box-shadow .22s, transform .22s;
}
.card-product:hover { box-shadow: 0 16px 40px rgba(0,0,0,.14); transform: translateY(-4px); }
.card-product.featured { border: 2px solid var(--gold); }
.card-visual {
  background: linear-gradient(135deg, #002244 0%, #004080 60%, #003366 100%);
  padding: 28px 24px 20px;
  position: relative; overflow: hidden; min-height: 160px;
}
.card-visual.gold-card {
  background: linear-gradient(135deg, #8b6914 0%, #c9a84c 60%, #a07828 100%);
}
.card-visual.dark-card {
  background: linear-gradient(135deg, #1a1a2e 0%, #16213e 60%, #0f3460 100%);
}
.card-visual::before {
  content: ''; position: absolute; right: -30px; top: -30px;
  width: 120px; height: 120px; border-radius: 50%;
  background: rgba(255,255,255,.06);
}
.card-visual::after {
  content: ''; position: absolute; right: 20px; bottom: -40px;
  width: 100px; height: 100px; border-radius: 50%;
  background: rgba(255,255,255,.04);
}
.card-visual-bank { color: rgba(255,255,255,.9); font-size: .7rem; font-weight: 700; letter-spacing: 1px; margin-bottom: 18px; text-transform: uppercase; }
.card-visual-chip {
  width: 36px; height: 26px; background: var(--gold);
  border-radius: 5px; margin-bottom: 16px;
  background: linear-gradient(135deg, #d4a843 0%, #f0cc6e 50%, #c9a84c 100%);
}
.card-visual-number { color: rgba(255,255,255,.85); font-size: .85rem; letter-spacing: 2px; margin-bottom: 14px; font-family: monospace; }
.card-visual-footer { display: flex; justify-content: space-between; align-items: flex-end; }
.card-visual-name { color: rgba(255,255,255,.8); font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .5px; }
.card-visual-network { color: rgba(255,255,255,.7); font-size: 1rem; font-weight: 700; letter-spacing: -1px; }
.card-product-body { background: var(--white); padding: 24px; }
.card-product-badge {
  display: inline-block; background: var(--gold); color: var(--navy);
  font-size: .7rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .5px; padding: 3px 10px; border-radius: 20px; margin-bottom: 10px;
}
.card-product-body h3 { color: var(--navy); font-size: 1.05rem; font-weight: 700; margin-bottom: 8px; }
.card-product-body p { color: var(--gray-500); font-size: .875rem; line-height: 1.65; margin-bottom: 16px; }

/* === ACCOUNT TYPE CARDS (ENHANCED) === */
.account-type-grid-new {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
}
.account-card-new {
  background: var(--white); border: 2px solid var(--gray-200);
  border-radius: 14px; padding: 32px 24px;
  text-align: center; position: relative;
  transition: box-shadow .22s, transform .22s, border-color .22s;
}
.account-card-new:hover { box-shadow: 0 12px 36px rgba(0,0,0,.1); transform: translateY(-3px); border-color: var(--navy); }
.account-card-new.featured { border-color: var(--gold); }
.account-card-new .account-badge {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--gold); color: var(--navy);
  font-size: .72rem; font-weight: 700; padding: 4px 16px;
  border-radius: 20px; white-space: nowrap; text-transform: uppercase; letter-spacing: .5px;
}
.account-card-icon {
  width: 64px; height: 64px; border-radius: 16px; margin: 0 auto 16px;
  background: linear-gradient(135deg, var(--navy), #004080);
  display: flex; align-items: center; justify-content: center; font-size: 1.6rem;
}
.account-card-new h3 { color: var(--navy); font-size: 1.1rem; font-weight: 700; margin-bottom: 6px; }
.account-card-apy { font-size: 2rem; font-weight: 800; color: var(--navy); margin: 8px 0 4px; }
.account-card-apy small { font-size: .8rem; font-weight: 500; color: var(--gray-500); }
.account-card-desc { color: var(--gray-500); font-size: .85rem; line-height: 1.6; margin-bottom: 20px; }
.account-card-features { text-align: left; margin-bottom: 24px; }
.account-card-features li {
  padding: 6px 0; border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700); font-size: .85rem; display: flex; align-items: center; gap: 8px;
}
.account-card-features li::before { content: '✓'; color: #16a34a; font-weight: 700; flex-shrink: 0; }

/* === SECURITY PAGE === */
.security-hero-stats {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
  margin-top: 40px;
}
.security-stat {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-radius: 10px; padding: 20px; text-align: center;
}
.security-stat-value { font-size: 2rem; font-weight: 800; color: var(--gold); display: block; }
.security-stat-label { color: rgba(255,255,255,.8); font-size: .8rem; margin-top: 4px; }
.security-feature-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 12px; padding: 28px; display: flex; gap: 20px;
  align-items: flex-start; transition: box-shadow .22s;
}
.security-feature-card:hover { box-shadow: 0 8px 24px rgba(0,0,0,.09); }
.security-icon-wrap {
  width: 52px; height: 52px; border-radius: 14px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), #004080);
  display: flex; align-items: center; justify-content: center; font-size: 1.3rem;
}
.security-feature-card h3 { color: var(--navy); font-size: 1rem; font-weight: 700; margin-bottom: 6px; }
.security-feature-card p { color: var(--gray-500); font-size: .875rem; line-height: 1.65; margin: 0; }
.security-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }

/* === RATES PAGE === */
.rates-block { background: var(--white); border: 1px solid var(--gray-200); border-radius: 12px; overflow: hidden; margin-bottom: 40px; box-shadow: var(--shadow-sm); }
.rates-block-header { background: var(--navy); padding: 18px 28px; display: flex; align-items: center; gap: 12px; }
.rates-block-header h2 { color: var(--white); font-size: 1.1rem; font-weight: 700; margin: 0; }
.rates-block-icon { font-size: 1.3rem; }
.rates-table-new { width: 100%; border-collapse: collapse; }
.rates-table-new thead tr { background: var(--gray-50); }
.rates-table-new th { padding: 12px 20px; text-align: left; font-size: .78rem; font-weight: 700; color: var(--gray-500); text-transform: uppercase; letter-spacing: .5px; border-bottom: 1px solid var(--gray-200); }
.rates-table-new td { padding: 14px 20px; border-bottom: 1px solid var(--gray-100); color: var(--gray-700); font-size: .9rem; }
.rates-table-new tbody tr:last-child td { border-bottom: none; }
.rates-table-new tbody tr:hover { background: var(--gray-50); }
.rate-pill { display: inline-block; background: #dcfce7; color: #15803d; font-weight: 700; font-size: .85rem; padding: 3px 12px; border-radius: 20px; }
.rate-pill-loan { background: #eff6ff; color: #1d4ed8; }
.rates-disclaimer-new { color: var(--gray-500); font-size: .8rem; line-height: 1.6; padding: 16px 20px; background: var(--gray-50); border-top: 1px solid var(--gray-200); }

/* === FAQ PAGE === */
.faq-category-title {
  font-size: .72rem; text-transform: uppercase; letter-spacing: 1.5px;
  color: var(--gold); font-weight: 700; margin-bottom: 12px; margin-top: 40px;
}
.faq-list-new { max-width: 800px; margin: 0 auto; }
.faq-item-new {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 10px; margin-bottom: 10px; overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item-new.open { box-shadow: 0 4px 16px rgba(0,0,0,.08); }
.faq-q-new {
  width: 100%; background: none; border: none; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center;
  padding: 18px 22px; text-align: left; gap: 16px;
}
.faq-q-new span { color: var(--navy); font-size: .95rem; font-weight: 600; line-height: 1.4; }
.faq-q-icon {
  width: 28px; height: 28px; border-radius: 50%; flex-shrink: 0;
  background: var(--gray-100); display: flex; align-items: center; justify-content: center;
  font-size: .85rem; color: var(--navy); transition: background .2s, transform .2s;
}
.faq-item-new.open .faq-q-icon { background: var(--navy); color: var(--white); transform: rotate(45deg); }
.faq-a-new { display: none; padding: 0 22px 20px; color: var(--gray-500); font-size: .9rem; line-height: 1.75; border-top: 1px solid var(--gray-100); padding-top: 16px; }
.faq-item-new.open .faq-a-new { display: block; }

/* === CONTACT PAGE REDESIGN === */
.contact-grid-new { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: start; }
.contact-info-cards { display: flex; flex-direction: column; gap: 16px; }
.contact-info-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 12px; padding: 20px 22px; display: flex; gap: 16px; align-items: center;
  box-shadow: var(--shadow-sm);
}
.contact-info-icon {
  width: 48px; height: 48px; border-radius: 12px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy), #004080);
  display: flex; align-items: center; justify-content: center; font-size: 1.1rem;
}
.contact-info-card strong { display: block; color: var(--navy); font-size: .88rem; font-weight: 700; margin-bottom: 2px; }
.contact-info-card p, .contact-info-card a { color: var(--gray-500); font-size: .85rem; margin: 0; line-height: 1.5; }
.contact-info-card a:hover { color: var(--navy); text-decoration: none; }
.contact-office-img { border-radius: 12px; overflow: hidden; margin-bottom: 20px; }
.contact-office-img img { width: 100%; height: 200px; object-fit: cover; display: block; }
.contact-form-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 14px; padding: 36px; box-shadow: var(--shadow-md);
}

/* === UTILITY === */
.text-center { text-align: center; }
.text-navy   { color: var(--navy); }
.text-gold   { color: var(--gold); }
.text-muted  { color: var(--gray-500); }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }

/* === RESPONSIVE === */
@media (max-width: 1200px) {
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card  { display: none; }
  .hero-visual { display: none; }
  .hero-photo-inner { grid-template-columns: 1fr; }
  .hero-img-frame { display: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .two-col-section { grid-template-columns: 1fr; gap: 40px; }
  .card-grid-3 { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr 1fr; }
  .account-type-grid-new { grid-template-columns: 1fr 1fr; }
  .card-mockup-wrap { grid-template-columns: 1fr 1fr; }
  .security-hero-stats { grid-template-columns: repeat(2, 1fr); }
  .security-grid-2 { grid-template-columns: 1fr; }
  .contact-grid-new { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  /* Header */
  .main-nav, .header-cta { display: none; }
  .mobile-menu-toggle { display: block; }
  /* Topbar: hide verbose links, keep essential */
  .topbar-inner { justify-content: center; }
  .topbar-right { display: none; }
  /* Hero */
  .hero { padding: 56px 0 72px; }
  .hero h1 { font-size: 2rem; }
  .hero-photo { padding: 72px 0 88px; }
  /* Grids */
  .contact-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-row-2 { grid-template-columns: 1fr; }
  .form-row-3 { grid-template-columns: 1fr; }
  .card-grid-4 { grid-template-columns: 1fr; }
  .card-grid-3 { grid-template-columns: 1fr; }
  .card-mockup-wrap { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .two-col-stats { grid-template-columns: 1fr 1fr; }
  .account-type-selector { grid-template-columns: 1fr; }
  .account-type-grid-new { grid-template-columns: 1fr 1fr; }
  /* Wizard */
  .wizard-body, .wizard-nav, .wizard-header { padding-left: 20px; padding-right: 20px; }
  .wizard-card .wizard-step { padding: 20px 18px; }
  .wizard-nav { padding: 14px 18px; }
  /* Misc */
  .trust-bar-inner { gap: 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .auth-card { padding: 32px 24px; }
  .cta-photo-inner h2 { font-size: 1.8rem; }
  .security-hero-stats { grid-template-columns: repeat(2, 1fr); }
  .security-grid-2 { grid-template-columns: 1fr; }
  .contact-grid-new { grid-template-columns: 1fr; }
  .rates-table-new th, .rates-table-new td { padding: 10px 14px; font-size: .82rem; }
  /* Section padding */
  .section { padding: 48px 0; }
  .container { padding-left: 16px; padding-right: 16px; }
}
@media (max-width: 480px) {
  .wizard-steps { padding: 16px; }
  .wizard-progress { padding: 14px 12px 10px; }
  .step-label   { display: none; }
  .auth-card    { padding: 28px 18px; }
  .two-col-stats { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .account-type-grid-new { grid-template-columns: 1fr; }
  .security-hero-stats { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 420px) {
  .hero h1 { font-size: 1.7rem; }
  .hero p  { font-size: 0.95rem; }
  .section { padding: 36px 0; }
  .container { padding-left: 12px; padding-right: 12px; }
  .auth-card { padding: 22px 14px; }
  .footer-grid { gap: 20px; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .account-type-grid-new { grid-template-columns: 1fr; }
  .topbar { display: none; }
}