/* ===== VARIABLES ===== */
:root {
  --red: #2A3D8F;
  --red-dark: #1e2d6b;
  --dark: #111111;
  --charcoal: #1e1e1e;
  --muted: #5b5b5b;
  --light: #f7f7f7;
  --border: #e8e8e8;
  --white: #ffffff;
}

/* ===== RESET ===== */
*, *::before, *::after { box-sizing: border-box; }

body {
  margin: 0;
  font-family: "Quicksand", sans-serif;
  color: var(--charcoal);
  background: var(--white);
  line-height: 1.6;
}

.wrap {
  width: min(1180px, 92vw);
  margin-inline: auto;
}

a { text-decoration: none; }
p { margin: 0 0 0.5rem; }
h1, h2, h3, h4 { line-height: 1.15; }
svg { display: block; flex-shrink: 0; }

/* ===== TOPBAR ===== */
.topbar {
  background: var(--dark);
  color: #aaa;
  font-size: 0.82rem;
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.55rem 0;
  gap: 1rem;
}

.country-strip {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  flex-wrap: wrap;
}

.country { color: #aaa; transition: color 0.2s; }
.country:hover { color: #fff; }
.country.active { color: var(--red); font-weight: 700; }
.sep { color: #444; }

.hotline {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  color: #ccc;
  white-space: nowrap;
}

.hotline strong { color: #fff; }

/* Language toggle */
.lang-toggle {
  display: flex;
  gap: 2px;
  margin-left: 1rem;
  background: rgba(255,255,255,0.08);
  border-radius: 5px;
  overflow: hidden;
}
.lang-btn {
  background: none;
  border: none;
  color: #aaa;
  font-family: inherit;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  padding: 0.25rem 0.55rem;
  cursor: pointer;
  transition: background 0.2s, color 0.2s;
}
.lang-btn:hover { color: #fff; }
.lang-btn.active {
  background: var(--red);
  color: #fff;
}

/* ===== NAV ===== */
.main-nav {
  background: var(--white);
  border-bottom: 2px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
}

.nav-inner {
  display: grid;
  grid-template-columns: auto 1fr auto auto;
  gap: 1rem;
  align-items: center;
  padding: 0.85rem 0;
}

/* Logo */
.logo {
  display: block;
  width: 170px;
  height: 48px;
  background: url("images/bank-logo.svg") left center / contain no-repeat;
  font-size: 0;
  color: transparent;
  text-indent: -9999px;
  overflow: hidden;
}
.logo-e, .logo-quity, .logo-bank { display: none; }

/* Nav links */
.nav-links {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.15rem 1.1rem;
  padding: 0;
  margin: 0;
  justify-content: center;
}

.nav-links a {
  color: var(--charcoal);
  font-weight: 600;
  font-size: 0.88rem;
  padding: 0.3rem 0;
  border-bottom: 2px solid transparent;
  transition: color 0.2s, border-color 0.2s;
}

.nav-links a:hover {
  color: var(--red);
  border-bottom-color: var(--red);
}

/* Shared buttons */
.btn {
  border: none;
  background: var(--red);
  color: #fff;
  padding: 0.72rem 1.25rem;
  font-weight: 700;
  font-size: 0.9rem;
  border-radius: 4px;
  cursor: pointer;
  font-family: inherit;
  transition: background 0.2s, transform 0.1s;
}

.btn:hover  { background: var(--red-dark); }
.btn:active { transform: scale(0.98); }

.btn-outline {
  background: transparent;
  border: 2px solid rgba(255,255,255,0.85);
  color: #fff;
}
.btn-outline:hover { background: rgba(255,255,255,0.15); }

.nav-cta { white-space: nowrap; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.4rem;
  order: 3;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--charcoal);
  border-radius: 2px;
  transition: transform 0.3s, opacity 0.3s;
}

.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile overlay */
.mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.4);
  z-index: 90;
  opacity: 0;
  transition: opacity 0.3s;
}
.mobile-overlay.show { display: block; opacity: 1; }

/* ===== HERO ===== */
.hero {
  position: relative;
  min-height: 68vh;
  display: grid;
  align-items: center;
  overflow: hidden;
  background: var(--dark);
  color: #fff;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(115deg, rgba(42,61,143,0.92) 0%, rgba(17,17,17,0.85) 60%),
    radial-gradient(ellipse at 80% 30%, #0d1a4a 0%, transparent 55%),
    radial-gradient(ellipse at 15% 70%, #2A3D8F 0%, transparent 45%);
}

.hero-content {
  position: relative;
  z-index: 1;
  padding: 4rem 0;
}

.kicker {
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.75);
  margin-bottom: 0.8rem;
}

.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.5rem);
  max-width: 820px;
  margin: 0 0 1rem;
  font-weight: 800;
}

.lede {
  max-width: 600px;
  color: rgba(255,255,255,0.82);
  font-size: 1.05rem;
  margin-bottom: 1.5rem;
}

.cta-row {
  display: flex;
  gap: 0.9rem;
  flex-wrap: wrap;
}

.hero-btn { font-size: 0.95rem; padding: 0.9rem 1.5rem; }

.hero-dots {
  position: absolute;
  bottom: 1.5rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 0.5rem;
  z-index: 2;
}

.dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.35);
  cursor: pointer;
  transition: background 0.2s, transform 0.2s;
}

.dot.active { background: #fff; transform: scale(1.3); }

/* ===== FOREX TICKER ===== */
.forex-bar {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 1.25rem;
  align-items: center;
  margin: 1.5rem auto;
  padding: 0.9rem 1.2rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 8px;
  box-shadow: 0 2px 10px rgba(0,0,0,.05);
}

.forex-ticker {
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent 0%, black 6%, black 94%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 6%, black 94%, transparent 100%);
}

.forex-scroller {
  display: flex;
  animation: forex-scroll 32s linear infinite;
  width: max-content;
}

.forex-track { display: flex; }

.forex-item {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin: 0;
  padding: 0 1.4rem 0 0;
  font-size: 0.88rem;
  white-space: nowrap;
  color: var(--charcoal);
}

.forex-item::after {
  content: "|";
  color: #ddd;
  margin-left: 1.4rem;
}

.forex-pair { color: var(--red); font-weight: 700; }

.forex-btn {
  background: var(--dark);
  border: none;
  border-radius: 999px;
  color: #fff;
  display: inline-flex;
  align-items: center;
  font-family: inherit;
  font-size: 0.88rem;
  font-weight: 700;
  white-space: nowrap;
  padding: 0.7rem 1.3rem;
  cursor: pointer;
  transition: background 0.2s;
}
.forex-btn:hover { background: var(--red); cursor: pointer; }

@keyframes forex-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

@media (prefers-reduced-motion: reduce) {
  .forex-scroller { animation: none; }
}

/* ===== FOREX CONVERTER MODAL ===== */
.fx-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.55);
  z-index: 200;
  display: grid;
  place-items: center;
  padding: 1rem;
  backdrop-filter: blur(2px);
  animation: fx-fade-in 0.18s ease;
}

.fx-backdrop[hidden] { display: none; }

@keyframes fx-fade-in {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.fx-modal {
  background: var(--white);
  border-radius: 14px;
  padding: 2rem;
  width: min(420px, 100%);
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  animation: fx-slide-in 0.22s cubic-bezier(.4,0,.2,1);
  max-height: 90vh;
  overflow-y: auto;
}

@keyframes fx-slide-in {
  from { transform: translateY(20px); opacity: 0; }
  to   { transform: translateY(0);    opacity: 1; }
}

.fx-close {
  position: absolute;
  top: -1px;
  right: -1px;
  width: 38px;
  height: 38px;
  background: var(--red);
  color: #fff;
  border: none;
  border-radius: 0 14px 0 10px;
  font-size: 1rem;
  cursor: pointer;
  display: grid;
  place-items: center;
  transition: background 0.2s;
}
.fx-close:hover { background: var(--red-dark); }

.fx-title { color: var(--red); font-size: 1.5rem; margin: 0; font-weight: 800; }

.fx-label {
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--red);
  letter-spacing: 0.01em;
}

.fx-select-wrap { position: relative; }

.fx-select-wrap select {
  width: 100%;
  appearance: none;
  -webkit-appearance: none;
  border: 1.5px solid var(--red);
  border-radius: 6px;
  padding: 0.75rem 2.5rem 0.75rem 0.85rem;
  font: inherit;
  font-size: 0.95rem;
  color: var(--red);
  font-weight: 600;
  background: var(--white);
  cursor: pointer;
  outline: none;
  transition: box-shadow 0.2s;
}
.fx-select-wrap select:focus { box-shadow: 0 0 0 3px rgba(42,61,143,.15); }

.fx-chevron {
  position: absolute;
  right: 0.75rem;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  color: var(--red);
  pointer-events: none;
}

.fx-amount {
  width: 100%;
  border: 1.5px solid var(--red);
  border-radius: 6px;
  padding: 0.75rem 0.85rem;
  font: inherit;
  font-size: 0.95rem;
  color: var(--charcoal);
  outline: none;
  transition: box-shadow 0.2s;
  box-sizing: border-box;
}
.fx-amount:focus { box-shadow: 0 0 0 3px rgba(42,61,143,.15); }
.fx-amount::-webkit-inner-spin-button,
.fx-amount::-webkit-outer-spin-button { -webkit-appearance: none; }

.fx-result {
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--red);
  text-align: center;
  padding: 0.5rem 0 0;
  letter-spacing: 0.01em;
}

.fx-note {
  text-align: center;
  font-size: 0.8rem;
  color: var(--muted);
  margin: -0.75rem 0 0;
}

/* ===== QUICK LINKS ===== */
.quick-links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin: 0.5rem auto 2.5rem;
}

.ql-card {
  background: var(--light);
  border-radius: 10px;
  border-top: 4px solid var(--red);
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: box-shadow 0.25s, transform 0.25s;
}

.ql-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,.1);
  transform: translateY(-3px);
}

.ql-icon {
  width: 44px;
  height: 44px;
  background: var(--red);
  border-radius: 10px;
  display: grid;
  place-items: center;
  color: #fff;
}

.ql-icon svg { width: 22px; height: 22px; }

.ql-card img {
  width: 100%;
  height: 170px;
  object-fit: cover;
  border-radius: 7px;
}

.ql-card h3 { margin: 0; font-size: 1rem; }
.ql-card p  { margin: 0; font-size: 0.88rem; color: var(--muted); flex: 1; }

.ql-link {
  color: var(--red);
  font-weight: 700;
  font-size: 0.88rem;
  transition: letter-spacing 0.2s;
}
.ql-link:hover { letter-spacing: 0.03em; }

/* ===== STATS BAR ===== */
.stats-bar {
  background: var(--red);
  color: #fff;
  padding: 2rem 0;
  margin-bottom: 3rem;
}

.stats-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  text-align: center;
}

.stat { display: flex; flex-direction: column; gap: 0.25rem; }

.stat-num {
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-weight: 800;
  line-height: 1;
}

.stat-label { font-size: 0.88rem; opacity: 0.88; }

/* ===== PRODUCTS ===== */
.products { margin-bottom: 3.5rem; }

.products-header { margin-bottom: 1.75rem; }
.products-header h2 { font-size: clamp(1.4rem, 3vw, 2rem); margin: 0 0 0.4rem; }
.products-header p  { color: var(--muted); margin: 0; }

.products-tabs {
  display: flex;
  gap: 0.5rem;
  border-bottom: 2px solid var(--border);
  margin-bottom: 1.75rem;
  flex-wrap: wrap;
}

.tab-btn {
  background: none;
  border: none;
  font-family: inherit;
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--muted);
  padding: 0.7rem 1.2rem;
  cursor: pointer;
  border-bottom: 2px solid transparent;
  margin-bottom: -2px;
  transition: color 0.2s, border-color 0.2s;
}

.tab-btn:hover  { color: var(--charcoal); }
.tab-btn.active { color: var(--red); border-bottom-color: var(--red); }

.tab-content        { display: none; }
.tab-content.active { display: block; }

.product-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}

.product-card {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
  transition: box-shadow 0.25s, transform 0.25s;
}

.product-card:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,.09);
  transform: translateY(-3px);
}

.pc-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  margin-bottom: 0.25rem;
}

.pc-icon svg { width: 24px; height: 24px; }
.pc-red  { background: rgba(42,61,143,.1); color: var(--red); }
.pc-dark { background: rgba(17,17,17,.08); color: var(--dark); }

.product-card h4 { margin: 0; font-size: 0.97rem; }
.product-card p  { margin: 0; font-size: 0.85rem; color: var(--muted); flex: 1; }
.product-card a  { color: var(--red); font-weight: 700; font-size: 0.85rem; }

/* ===== NEWS ===== */
.news {
  background: var(--light);
  padding: 3rem 0;
}

.news-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 1.5rem;
}

.news-header h2 { font-size: clamp(1.3rem, 3vw, 1.9rem); margin: 0; }

.see-all { color: var(--red); font-weight: 700; font-size: 0.9rem; white-space: nowrap; }

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}

.card {
  background: var(--white);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.25s, transform 0.25s;
}

.card:hover {
  box-shadow: 0 8px 28px rgba(0,0,0,.1);
  transform: translateY(-4px);
}

.card-img { height: 180px; background-size: cover; background-position: center; }
.card-img-1 { background-image: url("images/news/card1.jpg"); }
.card-img-2 { background-image: url("images/news/card2.jpg"); }
.card-img-3 { background-image: url("images/news/card3.jpg"); }

.card-body {
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  flex: 1;
}

.card-tag {
  display: inline-block;
  background: rgba(42,61,143,.1);
  color: var(--red);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.card h3 { margin: 0; font-size: 1rem; }
.card p  { margin: 0; font-size: 0.88rem; color: var(--muted); flex: 1; }

.card-link {
  color: var(--red);
  font-weight: 700;
  font-size: 0.88rem;
  margin-top: 0.5rem;
  align-self: flex-start;
}

/* ===== APP SECTION ===== */
.app-section {
  background: var(--dark);
  color: #fff;
  padding: 4rem 0;
}

.app-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.app-text .kicker { color: rgba(255,255,255,0.6); }
.app-text h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); margin: 0.5rem 0 1rem; }
.app-text p  { color: rgba(255,255,255,0.75); max-width: 480px; }

.app-badges { display: flex; gap: 0.8rem; margin-top: 1.5rem; flex-wrap: wrap; }

.badge-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  background: rgba(255,255,255,0.1);
  border: 1.5px solid rgba(255,255,255,0.25);
  color: #fff;
  padding: 0.75rem 1.3rem;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.9rem;
  transition: background 0.2s, border-color 0.2s;
}
.badge-btn:hover { background: var(--red); border-color: var(--red); }

/* Phone mockup */
.app-visual { display: flex; justify-content: center; }

.phone-mockup {
  width: 220px;
  background: #1a1a1a;
  border-radius: 36px;
  padding: 12px;
  border: 6px solid #2a2a2a;
  box-shadow: 0 30px 60px rgba(0,0,0,0.5), 0 0 0 1px #333;
}

.phone-screen {
  background: #fff;
  border-radius: 26px;
  overflow: hidden;
  min-height: 380px;
}

.phone-notch {
  width: 60px;
  height: 20px;
  background: #1a1a1a;
  border-radius: 0 0 12px 12px;
  margin: 0 auto;
}

.phone-ui { padding: 1rem 0.9rem; }

.pui-header { display: flex; flex-direction: column; gap: 0.2rem; margin-bottom: 1rem; }
.pui-header span:first-child { font-size: 0.7rem; color: var(--muted); font-weight: 600; }
.pui-balance { font-size: 1.05rem; font-weight: 800; color: var(--dark); }

.pui-actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.4rem;
  margin-bottom: 1.2rem;
}

.pui-btn {
  background: rgba(42,61,143,.1);
  color: var(--red);
  font-size: 0.65rem;
  font-weight: 700;
  text-align: center;
  padding: 0.5rem 0.2rem;
  border-radius: 8px;
}

.pui-tx {
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  padding: 0.5rem 0;
  border-bottom: 1px solid #f0f0f0;
  color: var(--charcoal);
}

.pui-credit { color: #16a34a; font-weight: 700; }
.pui-debit  { color: var(--red); font-weight: 700; }

/* ===== ABOUT ===== */
.about {
  background: #171717;
  color: #fff;
  padding: 3.5rem 0;
}

.about-inner {
  display: grid;
  grid-template-columns: 1.8fr 1fr;
  gap: 3rem;
  align-items: start;
}

.about-text h2 { font-size: clamp(1.4rem, 3vw, 2rem); margin: 0 0 1rem; }
.about-text p  { color: rgba(255,255,255,.75); margin-bottom: 0.8rem; }
.about-btn     { margin-top: 1rem; }

.about-links {
  list-style: none;
  padding: 0 0 0 1.5rem;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  border-left: 2px solid #2e2e2e;
}

.about-links li a {
  color: rgba(255,255,255,.7);
  font-weight: 600;
  font-size: 0.93rem;
  padding: 0.4rem 0;
  display: block;
  transition: color 0.2s, padding-left 0.2s;
}
.about-links li a:hover { color: #fff; padding-left: 0.3rem; }

/* ===== SERVICE FINDER ===== */
.service-finder {
  padding: 3rem 0;
  border-top: 1px solid var(--border);
}

.service-finder h2 { font-size: clamp(1.3rem, 3vw, 1.9rem); margin: 0 0 0.4rem; }
.sf-sub { color: var(--muted); margin-bottom: 1.5rem; }

.finder-grid {
  display: grid;
  grid-template-columns: 1fr 1fr auto;
  gap: 1rem;
  align-items: end;
}

label {
  display: grid;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.9rem;
}

input, select {
  padding: 0.75rem;
  border: 1.5px solid #d0d0d0;
  border-radius: 6px;
  font: inherit;
  font-size: 0.9rem;
  transition: border-color 0.2s;
}

input:focus, select:focus {
  outline: none;
  border-color: var(--red);
}

.finder-btn { height: 46px; }

/* ===== FOOTER ===== */
.footer {
  background: #0e0e0e;
  color: #999;
  padding: 3.5rem 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 2rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid #222;
}

.footer-brand { display: flex; flex-direction: column; gap: 0.9rem; }

.footer-logo {
  display: block;
  width: 160px;
  height: 44px;
  background: url("images/bank-logo.svg") left center / contain no-repeat;
  filter: brightness(0) invert(1);
  font-size: 0;
  color: transparent;
  text-indent: -9999px;
  overflow: hidden;
}

.footer-brand p { font-size: 0.85rem; line-height: 1.6; max-width: 240px; color: #777; margin: 0; }

.social-links { display: flex; gap: 0.6rem; }

.social-icon {
  width: 36px;
  height: 36px;
  background: #1e1e1e;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: #888;
  transition: background 0.2s, color 0.2s;
}
.social-icon:hover { background: var(--red); color: #fff; }

.footer h4 {
  color: #fff;
  margin: 0 0 1rem;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer ul a { color: #777; font-size: 0.88rem; transition: color 0.2s; }
.footer ul a:hover { color: #fff; }

.contact-list { gap: 0.7rem !important; }

.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.88rem;
  color: #777;
  line-height: 1.4;
}

.contact-list svg { margin-top: 2px; flex-shrink: 0; color: var(--red); stroke: var(--red); }

.banking-hours { margin-top: 1.5rem; }
.banking-hours p { font-size: 0.85rem; color: #666; margin: 0.2rem 0; }
.banking-hours .closed { color: #2A3D8F; }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 0;
  font-size: 0.82rem;
  color: #555;
  flex-wrap: wrap;
  gap: 0.8rem;
}

.footer-legal { display: flex; gap: 1.2rem; }
.footer-legal a { color: #555; transition: color 0.2s; }
.footer-legal a:hover { color: #fff; }

/* ===== SHARED COMPONENTS ===== */

/* Hero trust bar */
.hero-trust {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  font-weight: 600;
}
.trust-item svg { color: var(--red); }

/* Section header */
.section-header { margin-bottom: 3rem; }
.section-header .kicker {
  color: var(--red);
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
  display: block;
}
.section-header h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); font-weight: 800; margin: 0 0 0.6rem; }
.section-header p  { color: #555; max-width: 560px; margin: 0; }

/* FAQ accordion */
.faq-layout {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 4rem;
  align-items: start;
}
@media (max-width: 768px) { .faq-layout { grid-template-columns: 1fr; gap: 2rem; } }
.faq-list { display: flex; flex-direction: column; gap: 0.75rem; }
.faq-item { border: 1px solid #eee; border-radius: 10px; overflow: hidden; }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--dark);
  text-align: left;
  padding: 1.1rem 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
}
.faq-q svg { flex-shrink: 0; transition: transform 0.2s; }
.faq-item.open .faq-q svg { transform: rotate(180deg); }
.faq-a { display: none; }
.faq-item.open .faq-a { display: block; }
.faq-a-inner { font-size: 0.9rem; color: #555; line-height: 1.7; padding: 0 1.25rem 1.1rem; }

/* CTA buttons (used on red/dark backgrounds) */
.btn-white {
  background: #fff;
  color: var(--red);
  padding: 0.75rem 1.75rem;
  border-radius: 6px;
  font-family: inherit;
  font-size: 0.92rem;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: opacity 0.15s;
  display: inline-block;
}
.btn-white:hover { opacity: 0.9; }
.btn-outline-white {
  background: transparent;
  color: #fff;
  padding: 0.75rem 1.75rem;
  border-radius: 6px;
  font-family: inherit;
  font-size: 0.92rem;
  font-weight: 700;
  border: 2px solid rgba(255,255,255,0.6);
  cursor: pointer;
  transition: border-color 0.15s;
  display: inline-block;
}
.btn-outline-white:hover { border-color: #fff; }

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .product-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-grid   { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .hamburger  { display: flex; }
  .nav-cta    { display: none; }
  .nav-inner  { grid-template-columns: auto 1fr auto; }

  .nav-links {
    position: fixed;
    top: 0; right: 0; bottom: 0;
    width: min(300px, 80vw);
    background: var(--white);
    flex-direction: column;
    gap: 0;
    padding: 5rem 2rem 2rem;
    z-index: 95;
    transform: translateX(100%);
    transition: transform 0.3s cubic-bezier(.4,0,.2,1);
    box-shadow: -4px 0 20px rgba(0,0,0,.15);
    overflow-y: auto;
  }

  .nav-links.open { transform: translateX(0); }
  .nav-links li   { border-bottom: 1px solid var(--border); }
  .nav-links a    { display: block; padding: 0.9rem 0; font-size: 1rem; border-bottom: none; }

  .quick-links  { grid-template-columns: repeat(2, 1fr); }
  .cards        { grid-template-columns: 1fr; }
  .stats-inner  { grid-template-columns: repeat(2, 1fr); }
  .about-inner  { grid-template-columns: 1fr; }
  .about-links  { border-left: none; padding-left: 0; border-top: 1px solid #2e2e2e; padding-top: 1.5rem; }
  .app-inner    { grid-template-columns: 1fr; }
  .app-visual   { display: none; }
  .finder-grid  { grid-template-columns: 1fr; }

  .forex-bar { grid-template-columns: 1fr; gap: 0.75rem; }
  .forex-btn { justify-self: start; }

  .topbar-inner { flex-direction: column; gap: 0.3rem; align-items: flex-start; }
}

@media (max-width: 640px) {
  .quick-links    { grid-template-columns: 1fr; }
  .product-grid   { grid-template-columns: 1fr; }
  .stats-inner    { grid-template-columns: repeat(2, 1fr); }
  .footer-grid    { grid-template-columns: 1fr; }
  .footer-bottom  { flex-direction: column; align-items: flex-start; }
  .hero h1        { font-size: 1.8rem; }
}