/* ── RESET & BASE ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: #1a1a1a;
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: #E87722; text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

.wrap { max-width: 1200px; margin: 0 auto; padding: 0 28px; }

/* ── HEADER ── */
.site-header {
  background: #fff;
  border-bottom: 1px solid #e8e8e8;
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}
.logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.logo-mark {
  background: #E87722;
  color: #fff;
  font-weight: 900;
  font-size: 1.05rem;
  padding: 7px 13px;
  border-radius: 4px;
  letter-spacing: 0.06em;
}
.primary-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  color: #333;
  font-size: 0.88rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 4px;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
  text-decoration: none;
}
.nav-link:hover { background: #fff5ee; color: #E87722; text-decoration: none; }
.header-ctas { display: flex; align-items: center; gap: 16px; flex-shrink: 0; }
.hdr-text-link { color: #555; font-size: 0.87rem; font-weight: 500; }
.hdr-text-link:hover { color: #E87722; text-decoration: none; }

.mobile-menu-toggle {
  display: none;
  border: none;
  background: transparent;
  width: 42px;
  height: 42px;
  padding: 0;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}
.mobile-menu-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #1a1a1a;
  border-radius: 1px;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.mobile-menu-toggle span + span { margin-top: 5px; }
.mobile-menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.mobile-menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.mobile-menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 26px;
  border-radius: 50px;
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  text-decoration: none;
  transition: all 0.18s;
  white-space: nowrap;
}
.btn-orange { background: #E87722; color: #fff; border-color: #E87722; }
.btn-orange:hover { background: #c9631a; border-color: #c9631a; text-decoration: none; color: #fff; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,0.7); }
.btn-ghost:hover { background: rgba(255,255,255,0.15); text-decoration: none; color: #fff; }
.btn-ghost-dark { background: transparent; color: #1a1a1a; border-color: #1a1a1a; }
.btn-ghost-dark:hover { background: #1a1a1a; color: #fff; text-decoration: none; }
.btn-logout { background: transparent; color: #555; border-color: #ccc; }
.btn-logout:hover { background: #c0392b; color: #fff; border-color: #c0392b; text-decoration: none; }

/* ── HERO ── */
.hero {
  background: #e8e8e8;
  position: relative;
  overflow: hidden;
}
.hero-dots {
  position: absolute;
  top: 0; left: 0;
  width: 200px; height: 100%;
  background-image: radial-gradient(circle, #bbb 1.5px, transparent 1.5px);
  background-size: 20px 20px;
  pointer-events: none;
  z-index: 0;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 40px;
  padding-top: 60px;
  padding-bottom: 60px;
  position: relative;
  z-index: 1;
}
.hero-text { max-width: 460px; }
.hero-text h1 {
  font-size: clamp(2rem, 3.2vw, 3rem);
  font-weight: 900;
  color: #1a1a1a;
  line-height: 1.1;
  margin-bottom: 14px;
}
.hero-orange-line {
  width: 48px; height: 3px;
  background: #E87722;
  border-radius: 2px;
  margin-bottom: 18px;
}
.hero-offer {
  font-size: clamp(1.3rem, 2.2vw, 1.8rem);
  font-weight: 700;
  color: #1a1a1a;
  margin-bottom: 10px;
}
.hero-sub {
  font-size: 0.95rem;
  color: #555;
  line-height: 1.75;
  margin-bottom: 28px;
  max-width: 380px;
}
.btn-navy { background: #003087; color: #fff; border-color: #003087; }
.btn-navy:hover { background: #002268; border-color: #002268; text-decoration: none; color: #fff; }

/* hero right side */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 400px;
}
.hero-circle-lg {
  position: absolute;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: #E87722;
  right: -60px; top: 50%;
  transform: translateY(-50%);
  z-index: 0;
}
.hero-circle-sm {
  position: absolute;
  width: 160px; height: 160px;
  border-radius: 50%;
  background: #E87722;
  right: 220px; bottom: 0px;
  z-index: 0;
  opacity: 0.65;
}

/* phone mockup */
.phone-mockup { position: relative; z-index: 2; }
.phone-frame {
  width: 210px;
  background: #111;
  border-radius: 30px;
  padding: 9px;
  box-shadow: 0 28px 56px rgba(0,0,0,0.45);
}
.phone-screen { background: #fff; border-radius: 22px; overflow: hidden; }
.app-bar {
  background: #003087; color: #fff;
  font-size: 0.6rem; font-weight: 700;
  text-align: center; padding: 8px 6px;
  letter-spacing: 0.06em; text-transform: uppercase;
}
.app-month {
  display: flex; justify-content: space-between; align-items: center;
  padding: 6px 12px 0; font-size: 0.62rem; font-weight: 600; color: #444;
}
.app-arr { color: #aaa; }
.app-total-label { text-align: center; font-size: 0.56rem; color: #999; padding-top: 4px; }
.app-total { text-align: center; font-size: 1.05rem; font-weight: 800; color: #1a1a1a; padding-bottom: 2px; }
.app-chart { display: flex; justify-content: center; padding: 6px 0 4px; }
.donut-svg { width: 86px; height: 86px; transform: rotate(-90deg); }
.app-cats { padding: 4px 10px 10px; }
.app-cat {
  display: flex; align-items: center; gap: 6px;
  padding: 4px 0; border-bottom: 1px solid #f0f0f0;
  font-size: 0.58rem; color: #333;
}
.app-cat:last-child { border-bottom: none; }
.cat-dot { width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0; }
.cat-name { flex: 1; }
.cat-amt { font-weight: 700; color: #1a1a1a; }

/* ── PRODUCTS & SERVICES ── */
.products-section { padding: 72px 0 60px; background: #fff; }
.ps-title {
  text-align: center;
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 800;
  color: #1a1a1a;
  margin-bottom: 14px;
}
.ps-underline {
  width: 52px;
  height: 3px;
  background: #E87722;
  margin: 0 auto 20px;
  border-radius: 2px;
}
.ps-sub {
  text-align: center;
  font-size: 1.1rem;
  color: #555;
  margin-bottom: 52px;
}
.ps-icons-row {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 12px;
}
.ps-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 18px;
  padding: 12px 8px;
}
.ps-svg { width: 88px; height: 76px; }
.ps-label {
  font-size: 0.9rem;
  font-weight: 600;
  color: #003087;
  text-align: center;
  text-decoration: none;
  line-height: 1.4;
}
.ps-label:hover { color: #E87722; text-decoration: none; }
.ps-arrow { font-style: normal; }

/* ── FEATURE SECTIONS ── */
.feature-section { padding: 80px 0; }
.bg-offwhite { background: #f7f7f7; }
.feat-centered {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
}
.feat-eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: #E87722;
  margin-bottom: 14px;
}
.feat-centered h2 {
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 800;
  color: #1a1a1a;
  margin-bottom: 18px;
  line-height: 1.2;
}
.feat-lead {
  font-size: 1rem;
  color: #555;
  line-height: 1.8;
  margin-bottom: 36px;
}
.feat-points {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 48px;
  text-align: left;
  margin-bottom: 36px;
}
.fp-col { display: flex; flex-direction: column; gap: 12px; }
.fp-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.92rem;
  color: #333;
}
.fp-dot {
  flex-shrink: 0;
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: #E87722;
}

/* rate chips */
.rate-chips { display: flex; gap: 16px; flex-wrap: wrap; justify-content: center; margin-bottom: 36px; }
.rate-chip {
  background: #fff;
  border: 1px solid #e0e0e0;
  border-radius: 8px;
  padding: 14px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.rc-label { font-size: 0.74rem; color: #888; text-transform: uppercase; letter-spacing: 0.06em; }
.rc-val { font-size: 1.15rem; font-weight: 800; color: #003087; }

/* ── OFFERS STRIP ── */
.offers-strip { background: #003087; padding: 60px 0; }
.offers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
}
.offer-card {
  background: #003f9e;
  padding: 36px 32px;
  color: #fff;
  transition: background 0.15s;
}
.offer-card:first-child { border-radius: 10px 0 0 10px; }
.offer-card:last-child { border-radius: 0 10px 10px 0; }
.offer-card:hover { background: #004dbf; }
.offer-tag {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #E87722;
  margin-bottom: 10px;
}
.offer-card h3 { font-size: 1.3rem; font-weight: 800; margin-bottom: 12px; color: #fff; }
.offer-card p { font-size: 0.88rem; color: rgba(255,255,255,0.75); line-height: 1.7; margin-bottom: 20px; }
.offer-link {
  font-size: 0.88rem;
  font-weight: 700;
  color: #E87722;
}
.offer-link:hover { text-decoration: underline; }

/* ── SERVICES GRID ── */
.services-section { padding: 88px 0; }
.sec-title {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 800;
  color: #1a1a1a;
  text-align: center;
  margin-bottom: 52px;
}
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.svc-item {
  background: #fff;
  border-radius: 10px;
  padding: 32px 28px;
  border: 1px solid #e8e8e8;
  transition: box-shadow 0.2s, transform 0.2s;
}
.svc-item:hover { box-shadow: 0 12px 36px rgba(0,0,0,0.1); transform: translateY(-3px); }
.svc-icon { margin-bottom: 16px; }
.svc-icon svg { width: 36px; height: 36px; }
.svc-item h3 { font-size: 1rem; font-weight: 700; color: #1a1a1a; margin-bottom: 8px; }
.svc-item p { font-size: 0.87rem; color: #666; line-height: 1.7; margin-bottom: 14px; }
.svc-item a { font-size: 0.87rem; font-weight: 600; color: #E87722; }
.svc-item a:hover { text-decoration: underline; }

/* ── CTA BANNER ── */
.cta-banner { background: #f7f7f7; border-top: 1px solid #e8e8e8; padding: 72px 0; }
.cta-banner-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-banner-copy h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); font-weight: 800; color: #1a1a1a; margin-bottom: 8px; }
.cta-banner-copy p { color: #555; font-size: 0.97rem; }
.cta-banner-btns { display: flex; gap: 14px; flex-shrink: 0; flex-wrap: wrap; }

/* ── FOOTER ── */
.site-footer { background: #1a1a1a; color: #999; padding: 64px 0 0; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 48px;
}
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; text-decoration: none; }
.footer-logo .logo-mark { background: #E87722; color: #fff; font-weight: 900; font-size: 0.9rem; padding: 5px 10px; border-radius: 4px; }
.footer-logo-text { color: #fff; font-weight: 700; font-size: 0.95rem; letter-spacing: 0.04em; }
.footer-brand-col > p { font-size: 0.86rem; line-height: 1.75; margin-bottom: 20px; }
.footer-contact { font-size: 0.84rem; line-height: 2; }
.footer-col h4 {
  color: #fff;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a { color: #999; font-size: 0.86rem; }
.footer-col a:hover { color: #fff; text-decoration: none; }
.footer-divider { border: none; border-top: 1px solid #2e2e2e; }
.footer-fdic {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 28px 0;
  border-bottom: 1px solid #2e2e2e;
}
.fdic-badge {
  flex-shrink: 0;
  border: 2px solid #555;
  color: #777;
  font-weight: 900;
  font-size: 0.7rem;
  padding: 5px 8px;
  border-radius: 3px;
  text-align: center;
  line-height: 1.3;
  letter-spacing: 0.05em;
}
.footer-fdic p { font-size: 0.76rem; color: #666; line-height: 1.8; }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 22px 0;
  font-size: 0.8rem;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-legal { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal a { color: #666; font-size: 0.8rem; }
.footer-legal a:hover { color: #ccc; text-decoration: none; }

/* ── LEGACY CLASS ALIASES (inner pages) ── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 28px; }
.button { display: inline-flex; align-items: center; justify-content: center; padding: 11px 22px; border-radius: 50px; font-size: 0.9rem; font-weight: 600; cursor: pointer; border: 2px solid transparent; text-decoration: none; transition: all 0.18s; white-space: nowrap; }
.button-primary, button.button-primary { background: #E87722; color: #fff; border-color: #E87722; }
.button-primary:hover { background: #c9631a; border-color: #c9631a; color: #fff; text-decoration: none; }
.button-secondary, button.button-secondary { background: transparent; color: #E87722; border-color: #E87722; }
.button-secondary:hover { background: #E87722; color: #fff; text-decoration: none; }
button.button-success { background: #E87722; color: #fff; border: none; border-radius: 50px; padding: 10px 20px; font-weight: 600; cursor: pointer; }
button.button-success:hover { background: #c9631a; }

/* ── INNER PAGES ── */
.form-page, .dashboard-page, .admin-page {
  padding: 60px 0;
  background: #f5f5f5;
  min-height: calc(100vh - 145px);
}
.form-panel, .panel {
  background: #fff;
  border-radius: 8px;
  padding: 36px;
  box-shadow: 0 2px 16px rgba(0,0,0,0.08);
  border: 1px solid #e8e8e8;
}
.form-panel { max-width: 480px; margin: 0 auto; }
.form-panel h1, .panel h1, .panel h2, .panel h3 { color: #1a1a1a; }
.form-panel label, .panel label { display: block; margin: 18px 0 7px; font-weight: 600; font-size: 0.87rem; color: #333; }
.form-panel input, .panel input, .panel select {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid #ccc;
  border-radius: 6px;
  font-size: 0.95rem;
  background: #fff;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.form-panel input:focus, .panel input:focus, .panel select:focus {
  outline: none;
  border-color: #E87722;
  box-shadow: 0 0 0 3px rgba(232,119,34,0.15);
}
.note { margin-top: 16px; color: #666; font-size: 0.87rem; }
.alert { padding: 13px 16px; border-radius: 6px; margin-bottom: 18px; font-size: 0.9rem; }
.alert-success { background: #f0faf4; color: #166534; border: 1px solid #a7f3c0; }
.alert-error   { background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }
.dashboard-grid, .admin-grid { display: grid; gap: 24px; grid-template-columns: 1fr 1fr; }
.account-card { padding: 22px; border-radius: 8px; border: 1px solid #e0e0e0; margin-top: 18px; }
.account-card.highlight { background: #003087; color: #fff; border-color: transparent; }
.transactions-panel, .card-panel { margin-top: 24px; }
.transactions-panel table, .admin-page table { width: 100%; border-collapse: collapse; }
.transactions-panel th, .transactions-panel td,
.admin-page th, .admin-page td { padding: 13px 14px; text-align: left; border-bottom: 1px solid #e8e8e8; font-size: 0.9rem; }
.admin-page thead th { background: #f2f2f2; font-size: 0.8rem; text-transform: uppercase; letter-spacing: 0.05em; color: #555; }
.inline-form { display: flex; gap: 8px; flex-wrap: wrap; }
.button-success { background: #E87722; color: #fff; border: none; border-radius: 50px; padding: 10px 20px; font-weight: 600; cursor: pointer; }

/* ── INFO PAGES (about, contact, faq, security, branch) ── */
.info-page { background: #f7f7f7; min-height: calc(100vh - 145px); padding-bottom: 72px; }
.info-hero { background: #003087; color: #fff; padding: 56px 28px 48px; margin-bottom: 0; text-align: center; }
.info-hero h1 { font-size: clamp(1.8rem, 3vw, 2.6rem); font-weight: 900; margin-bottom: 12px; }
.info-hero p { font-size: 1rem; color: rgba(255,255,255,0.8); max-width: 540px; margin: 0 auto; }
.info-body { padding-top: 48px; }
.info-section { background: #fff; border-radius: 8px; padding: 36px 40px; margin-bottom: 24px; border: 1px solid #e8e8e8; }
.info-section h2 { font-size: 1.4rem; font-weight: 800; color: #1a1a1a; margin-bottom: 16px; }
.info-section p { color: #555; line-height: 1.8; margin-bottom: 12px; }
.info-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; background:#fff; border-radius:8px; padding:36px 40px; margin-bottom:24px; border:1px solid #e8e8e8; }
.info-card { text-align: center; padding: 20px; }
.info-num { font-size: 2.2rem; font-weight: 900; color: #E87722; }
.info-label { font-size: 0.85rem; color: #666; margin-top: 6px; }
.info-job-list { display: flex; flex-direction: column; gap: 12px; margin-top: 16px; }
.info-job { padding: 14px 18px; background: #f7f7f7; border-radius: 6px; border-left: 3px solid #E87722; font-size: 0.9rem; color: #333; }
.press-list { display: flex; flex-direction: column; gap: 0; }
.press-item { padding: 20px 0; border-bottom: 1px solid #e8e8e8; }
.press-item:last-child { border-bottom: none; }
.press-date { font-size: 0.78rem; color: #E87722; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; display: block; margin-bottom: 6px; }
.press-item strong { display: block; font-size: 1rem; color: #1a1a1a; margin-bottom: 6px; }

/* ── MOBILE / RESPONSIVE STYLES ── */
@media (max-width: 900px) {
  .wrap, .container { padding: 0 18px; }
  .header-inner { flex-wrap: wrap; height: auto; padding: 16px 0; }
  .primary-nav { width: 100%; justify-content: center; flex-wrap: wrap; gap: 10px; margin-top: 12px; }
  .header-ctas { width: 100%; justify-content: center; margin-top: 12px; }
  .hero-inner { grid-template-columns: 1fr; padding-top: 40px; padding-bottom: 40px; }
  .hero-visual { min-height: 320px; }
  .hero-circle-lg { right: -30px; width: 240px; height: 240px; }
  .hero-circle-sm { right: 140px; width: 120px; height: 120px; }
  .products-section, .feature-section, .offers-strip, .services-section, .cta-banner, .info-body { padding-left: 0; padding-right: 0; }
  .ps-icons-row { grid-template-columns: repeat(3, 1fr); }
  .feat-points { grid-template-columns: 1fr; gap: 20px; }
  .rate-chips { justify-content: center; }
  .offers-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .cta-banner-inner { flex-direction: column; align-items: stretch; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-fdic { flex-direction: column; gap: 14px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .dashboard-grid, .admin-grid { grid-template-columns: 1fr; }
  .form-panel, .panel { padding: 28px; }
  .form-panel { width: 100%; }
  .transactions-panel th, .transactions-panel td, .admin-page th, .admin-page td { font-size: 0.82rem; padding: 11px 10px; }
  .info-section, .info-grid { padding: 28px 20px; }
}

@media (max-width: 640px) {
  .header-inner { gap: 14px; }
  .logo-mark { font-size: 0.95rem; padding: 6px 12px; }
  .nav-link { padding: 8px 12px; font-size: 0.84rem; }
  .hero-text h1 { font-size: 2.3rem; }
  .hero-sub { max-width: 100%; }
  .hero-visual { min-height: 280px; }
  .phone-frame { width: 170px; }
  .app-month { font-size: 0.56rem; }
  .app-total { font-size: 0.95rem; }
  .ps-icons-row { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .offer-card { padding: 28px 20px; }
  .service-item, .svc-item { padding: 24px 20px; }
  .footer-col ul { gap: 8px; }
  .footer-contact, .footer-bottom, .footer-legal { font-size: 0.78rem; }
  .form-panel, .panel { padding: 22px; }
  .cta-banner-btns { justify-content: center; }
}
.press-item p { font-size: 0.88rem; color: #666; margin: 0; }
.info-two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 16px; }
.community-card { background: #f7f7f7; border-radius: 6px; padding: 18px; font-size: 0.88rem; color: #555; line-height: 1.7; }
.community-card strong { color: #1a1a1a; display: block; margin-bottom: 4px; }

/* contact */
.contact-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; margin-bottom: 24px; }
.contact-card { background:#fff; border:1px solid #e8e8e8; border-radius:8px; padding:32px 28px; text-align:center; }
.contact-icon { font-size: 2rem; margin-bottom: 14px; }
.contact-card h3 { font-size: 1rem; font-weight: 700; color: #1a1a1a; margin-bottom: 10px; }
.contact-card p { font-size: 0.88rem; color: #555; line-height: 1.7; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-col label { display: block; margin-bottom: 7px; font-weight: 600; font-size: 0.87rem; color: #333; }
.form-col input, .info-section label, .info-section input, .info-section select, .info-section textarea {
  display: block; width: 100%; padding: 11px 14px; border: 1px solid #ccc; border-radius: 6px; font-size: 0.95rem; background: #fff; margin-bottom: 0; font-family: inherit;
}
.info-section label { margin: 16px 0 7px; font-weight: 600; font-size: 0.87rem; color: #333; }

/* faq */
.faq-wrap { margin-bottom: 24px; }
.faq-group-title { font-size: 1.1rem; font-weight: 700; color: #003087; margin: 32px 0 12px; padding-bottom: 8px; border-bottom: 2px solid #e8e8e8; }
.faq-list { display: flex; flex-direction: column; gap: 2px; }
.faq-item { background: #fff; border: 1px solid #e8e8e8; border-radius: 6px; overflow: hidden; }
.faq-item summary { padding: 18px 20px; font-weight: 600; font-size: 0.95rem; color: #1a1a1a; cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: '+'; color: #E87722; font-size: 1.3rem; font-weight: 300; }
.faq-item[open] summary::after { content: '−'; }
.faq-item[open] summary { color: #003087; }
.faq-item p { padding: 0 20px 18px; font-size: 0.9rem; color: #555; line-height: 1.75; margin: 0; }

/* security */
.security-cards { display: grid; grid-template-columns: repeat(2,1fr); gap: 20px; margin-bottom: 24px; }
.sec-feature-card { background:#fff; border:1px solid #e8e8e8; border-left:4px solid #003087; border-radius:6px; padding:28px; }
.sec-feature-card h3 { font-size: 1rem; font-weight: 700; color: #003087; margin-bottom: 10px; }
.sec-feature-card p { font-size: 0.88rem; color: #555; line-height: 1.75; margin: 0; }
.sec-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.sec-list li { font-size: 0.9rem; color: #444; padding-left: 20px; position: relative; }
.sec-do li::before { content: '✓'; position: absolute; left: 0; color: #00843d; font-weight: 700; }
.sec-dont li::before { content: '✕'; position: absolute; left: 0; color: #c0392b; font-weight: 700; }
.fraud-alert-box { background: #fff8f0; border: 2px solid #E87722; border-radius: 8px; padding: 28px 32px; }
.fraud-alert-box > p { color: #333; margin-bottom: 20px; font-size: 0.95rem; }
.fraud-steps { display: flex; flex-direction: column; gap: 16px; }
.fraud-step { display: flex; align-items: flex-start; gap: 16px; font-size: 0.9rem; color: #444; line-height: 1.6; }
.fraud-step-num { background: #E87722; color: #fff; font-weight: 800; font-size: 0.9rem; width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* branch */
.branch-search-bar { display: flex; gap: 12px; margin-bottom: 36px; }
.branch-search-bar input { flex: 1; padding: 12px 16px; border: 1px solid #ccc; border-radius: 6px; font-size: 0.95rem; }
.branch-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 20px; margin-bottom: 24px; }
.branch-card { background:#fff; border:1px solid #e8e8e8; border-radius:8px; padding:24px; }
.branch-name { font-weight: 700; color: #003087; font-size: 0.95rem; margin-bottom: 8px; }
.branch-addr { font-size: 0.87rem; color: #444; line-height: 1.65; margin-bottom: 8px; }
.branch-hours { font-size: 0.82rem; color: #666; margin-bottom: 4px; }
.branch-phone { font-size: 0.87rem; color: #E87722; font-weight: 600; margin-bottom: 12px; }
.branch-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.btag { background: #f0f0f0; color: #555; font-size: 0.73rem; font-weight: 600; padding: 3px 9px; border-radius: 20px; }

/* ── RESPONSIVE ── */
@media (max-width: 1060px) {
  .footer-top { grid-template-columns: 1fr 1fr 1fr; }
  .ps-icons-row { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 860px) {
  /* Prevent iOS Safari zoom on input focus */
  input, select, textarea { font-size: 16px !important; touch-action: manipulation; }
  button, a { touch-action: manipulation; }
  .site-header { overflow: visible; }

  /* Compact single-row mobile header */
  .header-inner {
    flex-wrap: nowrap;
    height: 60px;
    padding: 0;
    gap: 8px;
  }
  .mobile-menu-toggle { display: inline-flex; order: -1; }
  .logo { margin-right: auto; }
  .primary-nav {
    display: none;
    position: fixed;
    top: 60px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    gap: 4px;
    padding: 12px 16px 20px;
    box-shadow: 0 18px 40px rgba(0,0,0,0.12);
    z-index: 150;
    border-top: 1px solid #e8e8e8;
    max-height: calc(100vh - 60px);
    overflow-y: auto;
  }
  .primary-nav .nav-link {
    width: 100%;
    padding: 13px 16px;
    border-radius: 10px;
    border: 1px solid #eef2f7;
    font-size: 0.92rem;
  }
  body.nav-open .primary-nav { display: flex; }
  /* Keep only essential CTAs on mobile header */
  .header-ctas { margin-top: 0; width: auto; }
  .hdr-text-link { display: none; }
  .btn-logout { display: none; }

  /* Inner page grids — stack on mobile */
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .security-cards { grid-template-columns: 1fr; }
  .branch-grid { grid-template-columns: 1fr; }
  .info-two-col { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr 1fr; }

  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .hero-sub { max-width: 100%; }
  .offers-grid { grid-template-columns: 1fr; gap: 2px; }
  .offer-card:first-child { border-radius: 10px 10px 0 0; }
  .offer-card:last-child { border-radius: 0 0 10px 10px; }
  .cta-banner-inner { flex-direction: column; }
  .dashboard-grid, .admin-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .feat-points { grid-template-columns: 1fr; }

  /* Info section padding */
  .info-section { padding: 20px 18px; }
  .info-grid { padding: 20px 18px; }
  .contact-card { padding: 24px 20px; }
  .fraud-alert-box { padding: 20px 18px; }
  .info-hero { padding: 36px 18px 28px; }
}
@media (max-width: 560px) {
  .ps-icons-row { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr; }
  .hero-content h1 { font-size: 2rem; }
  .rate-chips { flex-direction: column; align-items: center; }
}