/* ── Reset & Base ────────────────────────────────────────── */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

/* ── PAGE PRELOADER ──────────────────────────────────────── */
#abs-preloader {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: #fff;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 20px;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

#abs-preloader.hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.preloader-logo {
  font-family: 'Roboto', sans-serif;
  font-size: 32px;
  font-weight: 500;
  color: #212121;
  letter-spacing: -0.02em;
}

.preloader-logo span {
  color: #e53b24;
}

.preloader-bar {
  width: 120px;
  height: 3px;
  background: #f0f0f0;
  border-radius: 2px;
  overflow: hidden;
}

.preloader-bar-fill {
  height: 100%;
  background: #e53b24;
  border-radius: 2px;
  animation: preloader-slide 1.2s ease-in-out infinite;
}

@keyframes preloader-slide {
  0% {
    transform: translateX(-100%);
  }

  50% {
    transform: translateX(0%);
  }

  100% {
    transform: translateX(100%);
  }
}

/* ── SCROLL ANIMATIONS ───────────────────────────────────── */
[data-animate] {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

[data-animate].in-view {
  opacity: 1;
  transform: translateY(0);
}

[data-animate][data-delay="1"] {
  transition-delay: 0.1s;
}

[data-animate][data-delay="2"] {
  transition-delay: 0.2s;
}

[data-animate][data-delay="3"] {
  transition-delay: 0.3s;
}

[data-animate][data-delay="4"] {
  transition-delay: 0.4s;
}

[data-animate][data-delay="5"] {
  transition-delay: 0.5s;
}

body {
  font-family: 'Roboto', sans-serif;
  font-weight: 400;
  font-size: 15px;
  color: #212121;
  background: #fff;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

img {
  max-width: 100%;
  display: block;
}

button {
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
}

/* ── CSS Variables ───────────────────────────────────────── */
:root {
  --red: #e53b24;
  --dark: #212121;
  --gray: #6a6a6a;
  --light: #f7f7f7;
  --white: #ffffff;
  --footer-dark: #1e2530;
  --footer-darker: #161c27;
  --footer-black: #0f1319;
  --transition: 0.3s ease;
}

/* ── Utility ─────────────────────────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.btn {
  display: inline-block;
  padding: 11px 28px;
  border: 2px solid var(--red);
  color: var(--red);
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  transition: background var(--transition), color var(--transition);
  border-radius: 2px;
}

.btn:hover {
  background: var(--red);
  color: var(--white);
}

.btn-solid {
  background: var(--red);
  color: var(--white);
  border-color: var(--red);
}

.btn-solid:hover {
  background: #c4311b;
  border-color: #c4311b;
}

.btn-white {
  border-color: var(--white);
  color: var(--white);
}

.btn-white:hover {
  background: var(--white);
  color: var(--dark);
}

.section-heading {
  text-align: center;
  margin-bottom: 48px;
}

.section-heading h2 {
  font-size: 28px;
  font-weight: 300;
  color: var(--dark);
  margin-bottom: 12px;
}

.section-heading .underline {
  width: 50px;
  height: 3px;
  background: var(--red);
  margin: 0 auto;
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

/* ── TOP BAR ─────────────────────────────────────────────── */
.top-bar {
  background: #1a1a1a;
  color: #aaa;
  font-size: 12px;
  padding: 8px 0;
}

.top-bar .inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.top-bar-socials {
  display: flex;
  gap: 14px;
}

.top-bar-socials a {
  color: #aaa;
  font-size: 13px;
  transition: color var(--transition);
}

.top-bar-socials a:hover {
  color: var(--red);
}

.top-bar-links {
  display: flex;
  gap: 20px;
}

.top-bar-links a {
  color: #aaa;
  transition: color var(--transition);
}

.top-bar-links a:hover {
  color: var(--white);
}

.top-bar-links a.sign-in {
  color: var(--red);
  font-weight: 500;
}

.top-bar-links a.sign-in:hover {
  color: #ff5a41;
}

/* SVG inline icons */
.icon {
  width: 16px;
  height: 16px;
  fill: currentColor;
  vertical-align: middle;
}

.icon-lg {
  width: 40px;
  height: 40px;
  fill: var(--red);
}

/* ── HEADER / NAV ────────────────────────────────────────── */
.site-header {
  background: var(--white);
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.site-logo-img {
  height: 170px;
  width: auto;
  display: block;
}

.footer-logo-img {
  height: 160px;
  width: auto;
  display: block;
  margin-bottom: 8px;
}

.site-logo {
  font-size: 22px;
  font-weight: 500;
  color: var(--dark);
  letter-spacing: -0.02em;
}

/* .site-logo span { color: var(--red); } — removed, now using image logo */

/* Main nav */
.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}

.main-nav>li {
  position: relative;
}

.main-nav>li>a {
  display: block;
  padding: 8px 14px;
  font-size: 13px;
  font-weight: 500;
  color: var(--dark);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  transition: color var(--transition);
  border-radius: 2px;
}

.main-nav>li>a:hover,
.main-nav>li>a.active {
  color: var(--red);
}

/* Dropdown */
.has-dropdown>a::after {
  content: ' ▾';
  font-size: 10px;
  opacity: 0.7;
}

.dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  min-width: 200px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.12);
  border-top: 3px solid var(--red);
  z-index: 200;
}

.has-dropdown:hover .dropdown {
  display: block;
}

.dropdown li a {
  display: block;
  padding: 10px 18px;
  font-size: 13px;
  color: var(--gray);
  transition: color var(--transition), background var(--transition);
}

.dropdown li a:hover {
  color: var(--red);
  background: var(--light);
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 30px;
  padding: 4px;
}

.hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--dark);
  transition: transform var(--transition), opacity var(--transition);
}

.hamburger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger.open span:nth-child(2) {
  opacity: 0;
}

.hamburger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Mobile nav */
.mobile-nav {
  display: none;
  background: var(--white);
  border-top: 1px solid #eee;
  padding: 12px 0;
}

.mobile-nav.open {
  display: block;
}

.mobile-nav li a {
  display: block;
  padding: 10px 20px;
  font-size: 14px;
  color: var(--dark);
  border-bottom: 1px solid #f0f0f0;
}

.mobile-nav li a:hover {
  color: var(--red);
}

/* ── HERO SLIDER ─────────────────────────────────────────── */
.hero-slider {
  position: relative;
  width: 100%;
  height: 580px;
  overflow: hidden;
  background: #111;
}

.slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 0.9s ease;
  display: flex;
  align-items: center;
}

.slide.active {
  opacity: 1;
  z-index: 2;
}

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(0, 0, 0, 0.65) 0%, rgba(0, 0, 0, 0.25) 60%, transparent 100%);
}

.slide-content {
  position: relative;
  z-index: 3;
  max-width: 600px;
  padding: 0 24px;
  color: var(--white);
}

.slide-content h1 {
  font-size: 42px;
  font-weight: 300;
  line-height: 1.2;
  margin-bottom: 14px;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

.slide-content h2 {
  font-size: 20px;
  font-weight: 300;
  margin-bottom: 30px;
  opacity: 0.9;
}

/* Slider controls */
.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 10;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--transition);
  font-size: 20px;
  line-height: 1;
}

.slider-arrow:hover {
  background: var(--red);
}

.slider-prev {
  left: 16px;
}

.slider-next {
  right: 16px;
}

.slider-dots {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  gap: 8px;
}

.slider-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.4);
  border: 2px solid rgba(255, 255, 255, 0.6);
  transition: background var(--transition), border-color var(--transition);
}

.slider-dot.active {
  background: var(--red);
  border-color: var(--red);
}

/* ── PARTNERS ROW ────────────────────────────────────────── */
.partners-bar {
  background: var(--white);
  border-bottom: 1px solid #eee;
  padding: 22px 0;
}

.partners-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.partners-label {
  font-size: 13px;
  font-weight: 500;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  white-space: nowrap;
}

.partner-logos {
  display: flex;
  align-items: center;
  gap: 48px;
  flex-wrap: wrap;
}

.partner-logos img,
.partner-logos svg {
  height: 40px;
  width: auto;
  opacity: 0.55;
  filter: grayscale(1);
  transition: opacity var(--transition), filter var(--transition);
  flex-shrink: 0;
}

.partner-logos img:hover,
.partner-logos svg:hover {
  opacity: 1;
  filter: grayscale(0);
}

/* ── SERVICES SECTION ────────────────────────────────────── */
.services-section {
  padding: 72px 0;
  background: var(--white);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.service-card {
  text-align: center;
  padding: 24px 16px;
}

.service-icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #e8e8e8;
  border-radius: 50%;
  transition: border-color var(--transition), background var(--transition);
}

.service-card:hover .service-icon {
  border-color: var(--red);
  background: var(--red);
}

.service-card:hover .service-icon svg {
  fill: var(--white);
}

.service-card h3 {
  font-size: 16px;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 12px;
}

.service-card p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
  margin-bottom: 16px;
}

.service-link {
  font-size: 13px;
  font-weight: 500;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition);
}

.service-link:hover {
  border-color: var(--red);
}

/* ── BUSINESS BANKING TABS ───────────────────────────────── */
.tabs-section {
  padding: 72px 0;
  background: var(--light);
}

.tabs-nav {
  display: flex;
  gap: 0;
  border-bottom: 2px solid #ddd;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.tab-btn {
  padding: 13px 22px;
  font-size: 13px;
  font-weight: 500;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.04em;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  transition: color var(--transition), border-color var(--transition);
  background: none;
  border-left: none;
  border-right: none;
  border-top: none;
}

.tab-btn:hover {
  color: var(--red);
}

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

.tab-panel {
  display: none;
}

.tab-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.tab-img {
  border-radius: 4px;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

.tab-img img {
  width: 100%;
  height: 340px;
  object-fit: cover;
}

.tab-text {
  padding: 12px 0;
}

.tab-text h2 {
  font-size: 26px;
  font-weight: 300;
  color: var(--dark);
  margin-bottom: 16px;
  line-height: 1.3;
}

.tab-text p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 28px;
}

/* ── MOBILE APP SECTION ──────────────────────────────────── */
.app-section {
  padding: 80px 0;
  background: var(--light);
  border-top: 1px solid #e8e8e8;
}

.app-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.app-label {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 16px;
}

.app-text h2 {
  font-size: 30px;
  font-weight: 300;
  color: var(--dark);
  margin-bottom: 16px;
  line-height: 1.3;
}

.app-text p {
  font-size: 14px;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 28px;
}

.app-badges {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.app-badges img {
  height: 42px;
  width: auto;
  border-radius: 6px;
}

.app-visual {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 260px;
  background: linear-gradient(135deg, #e8edf5 0%, #d0dae8 100%);
  border-radius: 8px;
  position: relative;
  overflow: hidden;
}

.app-visual::before {
  content: '';
  position: absolute;
  width: 140px;
  height: 240px;
  background: var(--white);
  border-radius: 20px;
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.15);
  top: 20px;
}

.app-visual::after {
  content: '';
  position: absolute;
  width: 120px;
  height: 12px;
  background: #ccc;
  border-radius: 6px;
  top: 30px;
}

/* ── LEARNING CENTER ─────────────────────────────────────── */
.learning-section {
  padding: 80px 0;
  background: linear-gradient(rgba(20, 28, 40, 0.88), rgba(20, 28, 40, 0.88)),
    url('../wp-content/uploads/revslider/Homepage Slider/22.jpg') center / cover no-repeat;
  color: var(--white);
}

.learning-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.learning-visual {
  min-height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.learning-icon-wrap {
  width: 100px;
  height: 100px;
  border: 2px solid rgba(255, 255, 255, 0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.learning-text .app-label {
  color: #ff7b66;
}

.learning-text h2 {
  font-size: 30px;
  font-weight: 300;
  margin-bottom: 16px;
  line-height: 1.3;
}

.learning-text p {
  font-size: 14px;
  opacity: 0.8;
  line-height: 1.8;
  margin-bottom: 28px;
}

/* ── NEWS SECTION ────────────────────────────────────────── */
.news-section {
  padding: 72px 0;
  background: var(--white);
}

.news-carousel-wrap {
  position: relative;
}

.news-carousel {
  overflow: hidden;
}

.news-track {
  display: flex;
  gap: 24px;
  transition: transform 0.5s ease;
}

.news-card {
  flex: 0 0 calc(25% - 18px);
  min-width: 0;
  background: var(--white);
  border: 1px solid #eeeeee;
  border-radius: 3px;
  overflow: hidden;
  transition: box-shadow var(--transition);
}

.news-card:hover {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.10);
}

.news-card-img {
  width: 100%;
  height: 180px;
  object-fit: cover;
}

.news-card-body {
  padding: 18px;
}

.news-card-date {
  font-size: 11px;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
}

.news-card-title {
  font-size: 14px;
  font-weight: 500;
  color: var(--dark);
  line-height: 1.5;
  margin-bottom: 10px;
}

.news-card-link {
  font-size: 12px;
  font-weight: 500;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.news-card-link:hover {
  opacity: 0.75;
}

.news-controls {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 32px;
}

.news-arrow {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2px solid #ddd;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray);
  font-size: 16px;
  transition: border-color var(--transition), color var(--transition), background var(--transition);
}

.news-arrow:hover {
  border-color: var(--red);
  color: var(--white);
  background: var(--red);
}

/* ── FOOTER LINKS ────────────────────────────────────────── */
.footer-links-section {
  background: var(--footer-dark);
  padding: 64px 0 48px;
  color: var(--white);
}

.footer-links-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}

.footer-col h3 {
  font-size: 14px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white);
  margin-bottom: 20px;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--red);
  display: inline-block;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col ul a {
  font-size: 13px;
  color: #9aa3b0;
  transition: color var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

.footer-col ul a::before {
  content: '›';
  color: var(--red);
  font-size: 16px;
  line-height: 1;
}

.footer-col ul a:hover {
  color: var(--white);
}

/* ── SIDEBAR FOOTER (WIDGETS) ────────────────────────────── */
.footer-widgets {
  background: var(--footer-darker);
  padding: 48px 0;
  color: #8a939e;
}

.footer-widgets-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
}

.footer-widget h4 {
  font-size: 13px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--white);
  margin-bottom: 18px;
}

.widget-logo {
  font-size: 18px;
  font-weight: 500;
  /* image logo handled by .footer-logo-img */
  color: var(--white);
  margin-bottom: 18px;
  display: block;
}

/* .widget-logo span — removed, now using image logo */
.footer-widget ul {
  display: flex;
  flex-direction: column;
  gap: 9px;
}

.footer-widget ul a {
  font-size: 13px;
  color: #8a939e;
  transition: color var(--transition);
}

.footer-widget ul a:hover {
  color: var(--red);
}

.social-links {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.social-link {
  width: 32px;
  height: 32px;
  border: 1px solid #3a4250;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #8a939e;
  font-size: 12px;
  transition: border-color var(--transition), color var(--transition), background var(--transition);
}

.social-link:hover {
  border-color: var(--red);
  background: var(--red);
  color: var(--white);
}

/* ── BOTTOM FOOTER ───────────────────────────────────────── */
.bottom-footer {
  background: var(--footer-black);
  padding: 20px 0;
  color: #555e6b;
  font-size: 12px;
}

.bottom-footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.bottom-nav {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.bottom-nav a {
  color: #6a7280;
  transition: color var(--transition);
}

.bottom-nav a:hover {
  color: var(--white);
}

.copyright {
  color: #555e6b;
}

/* ── RESPONSIVE ──────────────────────────────────────────── */

/* ── Tablet (≤1024px) ─────────────────────────────────────── */
@media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .tabs-section .tab-panel.active {
    grid-template-columns: 1fr;
  }

  .tab-img img {
    height: 240px;
  }

  .app-inner {
    grid-template-columns: 1fr;
  }

  .app-visual {
    display: none;
  }

  .learning-inner {
    grid-template-columns: 1fr;
  }

  .learning-visual {
    display: none;
  }

  .footer-links-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .footer-widgets-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .news-card {
    flex: 0 0 calc(50% - 12px);
  }
}

/* ── Mobile (≤768px) ──────────────────────────────────────── */
@media (max-width: 768px) {
  body {
    overflow-x: hidden;
  }

  /* Top bar */
  .top-bar {
    display: none;
  }

  /* hide socials bar on mobile — too cramped */

  /* Header */
  .header-inner {
    height: 60px;
  }

  .site-logo-img {
    height: 154px;
  }

  .main-nav {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  /* Hero slider */
  .hero-slider {
    height: 380px;
  }

  .slide-content {
    padding: 0 20px;
  }

  .slide-content h1 {
    font-size: 24px;
    line-height: 1.3;
  }

  .slide-content h2 {
    font-size: 14px;
    line-height: 1.6;
  }

  /* Partners */
  .partners-inner {
    flex-wrap: wrap;
    gap: 12px;
  }

  .partner-logos {
    flex-wrap: wrap;
    gap: 10px;
  }

  .partner-logos img,
  .partner-logos svg {
    height: 24px;
  }

  /* Services grid */
  .services-grid {
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }

  /* Section headings */
  .section-heading h2 {
    font-size: 22px;
  }

  .section-heading {
    margin-bottom: 32px;
  }

  /* Tabs — horizontal scroll */
  .tabs-nav {
    gap: 0;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
    display: flex;
    flex-wrap: nowrap;
  }

  .tabs-nav::-webkit-scrollbar {
    display: none;
  }

  .tab-btn {
    padding: 10px 14px;
    font-size: 12px;
    flex-shrink: 0;
  }

  /* Inline grid overrides (index.html sections) */
  div[style*="repeat(4,1fr)"] {
    grid-template-columns: repeat(2, 1fr) !important;
  }

  div[style*="repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }

  /* App / Learning section text */
  .app-text,
  .learning-text {
    padding: 0;
  }

  /* Data table — horizontal scroll */
  .data-table {
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    white-space: nowrap;
  }

  /* Footer */
  .footer-links-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  .footer-widgets-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }

  .news-card {
    flex: 0 0 100%;
  }

  .bottom-footer-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* ── Small mobile (≤480px) ───────────────────────────────── */
@media (max-width: 480px) {

  /* Hero */
  .hero-slider {
    height: 320px;
  }

  .slide-content h1 {
    font-size: 20px;
  }

  .slide-content h2 {
    font-size: 13px;
  }

  .slide-content .btn {
    font-size: 12px;
    padding: 9px 20px;
  }

  /* Services */
  .services-grid {
    grid-template-columns: 1fr;
  }

  /* Section heading */
  .section-heading h2 {
    font-size: 19px;
  }

  /* Partners */
  .partners-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }

  .partner-logos {
    gap: 8px;
  }

  /* Inline grids: 4→1×1, 3→1 */
  div[style*="repeat(4,1fr)"] {
    grid-template-columns: 1fr 1fr !important;
  }

  div[style*="repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }

  /* Stats bar items: remove right border, add bottom */
  div[style*="border-right:1px solid rgba(255,255,255,0.12)"] {
    border-right: none !important;
    padding-bottom: 16px !important;
  }

  /* Tabs */
  .tab-btn {
    padding: 9px 12px;
    font-size: 11px;
  }

  /* Footer */
  .footer-links-grid {
    grid-template-columns: 1fr;
  }

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

/* ── Extra small (≤390px — iPhone SE / 14 Pro) ───────────── */
@media (max-width: 390px) {
  .hero-slider {
    height: 300px;
  }

  .slide-content h1 {
    font-size: 18px;
  }

  .site-logo-img {
    height: 144px;
  }

  .section-heading h2 {
    font-size: 17px;
  }

  div[style*="repeat(4,1fr)"] {
    grid-template-columns: 1fr 1fr !important;
  }
}

/* ── PHOTO PAGE HERO (like Alister Bank subpage headers) ── */
.photo-hero {
  position: relative;
  height: 320px;
  display: flex;
  align-items: flex-end;
  overflow: hidden;
}

.photo-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  filter: brightness(0.35);
  transition: transform 8s ease;
}

.photo-hero:hover .photo-hero-bg {
  transform: scale(1.04);
}

.photo-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0, 0, 0, 0.7) 0%, rgba(0, 0, 0, 0.2) 60%, transparent 100%);
}

.photo-hero-content {
  position: relative;
  z-index: 2;
  padding: 0 0 44px;
  width: 100%;
}

.photo-hero-content h1 {
  font-size: 38px;
  font-weight: 300;
  color: #fff;
  margin-bottom: 8px;
  text-shadow: 0 2px 8px rgba(0, 0, 0, 0.4);
}

.photo-hero-content h1 strong {
  font-weight: 600;
}

.breadcrumb-nav {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
}

.breadcrumb-nav a {
  color: rgba(255, 255, 255, 0.6);
  transition: color 0.2s;
}

.breadcrumb-nav a:hover {
  color: #fff;
}

.breadcrumb-nav span {
  margin: 0 8px;
}

/* ── SERVICES MEGA MENU ── */
.mega-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  background: #fff;
  min-width: 560px;
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
  border-top: 3px solid var(--red);
  z-index: 500;
  padding: 28px;
}

.has-mega:hover .mega-menu {
  display: block;
}

.mega-menu-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 40px;
}

.mega-col-title {
  font-size: 11px;
  font-weight: 700;
  color: var(--dark);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--red);
}

.mega-col ul {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.mega-col ul li a {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 7px 0;
  font-size: 13px;
  color: var(--gray);
  transition: color 0.2s, padding-left 0.2s;
  border-bottom: 1px solid #f5f5f5;
}

.mega-col ul li a::before {
  content: '›';
  color: var(--red);
  font-size: 15px;
  font-weight: 700;
}

.mega-col ul li a:hover {
  color: var(--red);
  padding-left: 4px;
}

/* ── SERVICE PAGE SECTIONS ── */
.service-page-intro {
  padding: 70px 0;
  background: #fff;
}

.service-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.service-intro-text .section-label-sm {
  font-size: 11px;
  font-weight: 700;
  color: var(--red);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.service-intro-text h2 {
  font-size: 32px;
  font-weight: 300;
  color: var(--dark);
  line-height: 1.3;
  margin-bottom: 16px;
}

.service-intro-text h2 strong {
  font-weight: 600;
}

.service-intro-text p {
  font-size: 15px;
  color: var(--gray);
  line-height: 1.8;
  margin-bottom: 14px;
}

.service-intro-img {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.12);
}

.service-intro-img img {
  width: 100%;
  height: 360px;
  object-fit: cover;
  display: block;
}

.feature-list {
  list-style: none;
  margin: 20px 0 28px;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14px;
  color: var(--gray);
  padding: 8px 0;
  border-bottom: 1px solid #f0f0f0;
}

.feature-list li:last-child {
  border-bottom: none;
}

.feature-list li::before {
  content: '✓';
  color: var(--red);
  font-weight: 700;
  font-size: 15px;
  flex-shrink: 0;
  margin-top: 1px;
}

.service-features-band {
  background: var(--light);
  padding: 60px 0;
}

.features-3-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}

.feature-card-light {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 10px;
  padding: 28px 24px;
  text-align: center;
  transition: border-color 0.3s, box-shadow 0.3s;
}

.feature-card-light:hover {
  border-color: var(--red);
  box-shadow: 0 8px 24px rgba(229, 59, 36, 0.08);
}

.feature-card-light .fc-icon {
  width: 56px;
  height: 56px;
  background: rgba(229, 59, 36, 0.08);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 22px;
}

.feature-card-light h3 {
  font-size: 15px;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 8px;
}

.feature-card-light p {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
}

.rate-highlight-band {
  background: var(--dark);
  color: #fff;
  padding: 50px 0;
  text-align: center;
}

.rate-highlight-band h2 {
  font-size: 28px;
  font-weight: 300;
  margin-bottom: 8px;
}

.rate-highlight-band .big-rate {
  font-size: 60px;
  font-weight: 300;
  color: var(--red);
  line-height: 1;
  margin: 16px 0 8px;
}

.rate-highlight-band p {
  color: #aaa;
  font-size: 14px;
}

.service-cta-band {
  background: var(--red);
  padding: 50px 0;
  text-align: center;
  color: #fff;
}

.service-cta-band h2 {
  font-size: 28px;
  font-weight: 300;
  margin-bottom: 10px;
}

.service-cta-band p {
  font-size: 15px;
  opacity: 0.9;
  margin-bottom: 24px;
}

.btn-white-solid {
  background: #fff;
  color: var(--red);
  border-color: #fff;
  font-weight: 600;
}

.btn-white-solid:hover {
  background: #f0f0f0;
}

.steps-section {
  padding: 60px 0;
  background: #fff;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 36px;
}

.step-item {
  text-align: center;
  padding: 24px 16px;
}

.step-number {
  width: 52px;
  height: 52px;
  background: var(--red);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  font-weight: 500;
  margin: 0 auto 16px;
}

.step-item h3 {
  font-size: 15px;
  font-weight: 500;
  color: var(--dark);
  margin-bottom: 8px;
}

.step-item p {
  font-size: 13px;
  color: var(--gray);
  line-height: 1.6;
}

.faq-section {
  padding: 60px 0;
  background: var(--light);
}

.faq-list {
  max-width: 800px;
  margin: 36px auto 0;
}

.faq-item {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 8px;
  margin-bottom: 10px;
  overflow: hidden;
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  cursor: pointer;
  font-size: 15px;
  font-weight: 500;
  color: var(--dark);
  transition: color 0.2s;
}

.faq-question:hover {
  color: var(--red);
}

.faq-question .faq-icon {
  font-size: 18px;
  color: var(--red);
  flex-shrink: 0;
  transition: transform 0.3s;
}

.faq-item.open .faq-icon {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 24px 18px;
  font-size: 14px;
  color: var(--gray);
  line-height: 1.7;
}

.faq-item.open .faq-answer {
  display: block;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  margin: 36px 0;
}

.data-table th {
  background: var(--dark);
  color: #fff;
  padding: 14px 18px;
  text-align: left;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.04em;
}

.data-table td {
  padding: 13px 18px;
  font-size: 14px;
  border-bottom: 1px solid #e8e8e8;
  color: var(--gray);
}

.data-table tr:hover td {
  background: var(--light);
}

.data-table .highlight-row td {
  background: rgba(229, 59, 36, 0.05);
  color: var(--dark);
  font-weight: 500;
}

.data-table .highlight-row td:first-child {
  border-left: 3px solid var(--red);
}

@media (max-width: 1024px) {
  .service-intro-grid {
    grid-template-columns: 1fr;
  }

  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .features-3-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .mega-menu {
    min-width: 420px;
  }
}

@media (max-width: 768px) {
  .photo-hero {
    height: 220px;
  }

  .photo-hero-content h1 {
    font-size: 26px;
  }

  .features-3-grid,
  .steps-grid {
    grid-template-columns: 1fr;
  }

  .mega-menu {
    display: none !important;
  }
}

/* ── PRESS RELEASE CARDS ── */
.press-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 36px;
}

.press-card {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 8px;
  padding: 24px;
  border-left: 4px solid #e53b24;
  transition: box-shadow 0.3s;
}

.press-card:hover {
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
}

.press-date {
  font-size: 12px;
  color: #e53b24;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 10px;
}

.press-card h3 {
  font-size: 16px;
  font-weight: 500;
  color: #212121;
  line-height: 1.4;
  margin-bottom: 10px;
}

.press-card p {
  font-size: 13px;
  color: #6a6a6a;
  line-height: 1.6;
}

/* ── COMMUNITY CARDS ── */
.community-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 36px;
}

.community-card {
  background: #fff;
  border: 1px solid #e8e8e8;
  border-radius: 10px;
  padding: 28px;
  text-align: center;
  transition: border-color 0.3s, box-shadow 0.3s;
}

.community-card:hover {
  border-color: #e53b24;
  box-shadow: 0 8px 24px rgba(229, 59, 36, 0.08);
}

.community-icon {
  font-size: 32px;
  margin-bottom: 14px;
}

.community-card h3 {
  font-size: 15px;
  font-weight: 500;
  color: #212121;
  margin-bottom: 10px;
  line-height: 1.4;
}

.community-card p {
  font-size: 13px;
  color: #6a6a6a;
  line-height: 1.6;
}

/* ── FAQ CATEGORY TITLES ── */
.faq-category-title {
  font-size: 18px;
  font-weight: 500;
  color: #212121;
  margin: 36px auto 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid #e53b24;
  max-width: 800px;
}

@media (max-width: 1024px) {
  .press-grid {
    grid-template-columns: 1fr;
  }

  .community-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .community-grid {
    grid-template-columns: 1fr;
  }
}

/* ── ABS FOOTER (NEW 3-TIER STRUCTURE) ── */
.abs-footer {
  background: var(--footer-dark);
}

/* Top tier — 4-col links grid */
.abs-footer-top {
  background: var(--footer-dark);
  padding: 50px 0 40px;
}

.abs-footer-top-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.abs-footer-top .footer-col-title {
  font-size: 11px;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid #e53b24;
}

.abs-footer-top .footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.abs-footer-top .footer-col ul a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
  transition: color 0.2s;
}

.abs-footer-top .footer-col ul a::before {
  content: '›';
  color: #e53b24;
  margin-right: 5px;
  font-weight: 700;
}

.abs-footer-top .footer-col ul a:hover {
  color: #fff;
}

/* Bottom tier — brand col + 2 cols */
.abs-footer-bottom {
  background: var(--footer-darker);
  padding: 50px 0 40px;
}

.abs-footer-bottom-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
}

.footer-brand-col .site-logo {
  font-size: 22px;
  margin-bottom: 16px;
  display: inline-block;
}

.footer-brand-col>p {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
  line-height: 1.7;
  margin-bottom: 20px;
  max-width: 320px;
}

.footer-brand-col>ul {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.footer-brand-col>ul a {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.45);
  transition: color 0.2s;
}

.footer-brand-col>ul a:hover {
  color: #fff;
}

.footer-socials {
  display: flex;
  gap: 8px;
}

.footer-social-btn {
  width: 32px;
  height: 32px;
  background: rgba(255, 255, 255, 0.08);
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  transition: background 0.2s, color 0.2s;
}

.footer-social-btn:hover {
  background: #e53b24;
  color: #fff;
}

.abs-footer-bottom .footer-col-title {
  font-size: 11px;
  font-weight: 700;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid #e53b24;
}

.abs-footer-bottom .footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.abs-footer-bottom .footer-col ul a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.5);
  transition: color 0.2s;
}

.abs-footer-bottom .footer-col ul a:hover {
  color: #fff;
}

/* Bar — copyright + links */
.abs-footer-bar {
  background: var(--footer-black);
  padding: 18px 0;
}

.abs-footer-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.35);
}

.ssl-badge {
  color: rgba(255, 255, 255, 0.45);
}

.abs-footer-bar-links {
  display: flex;
  gap: 20px;
}

.abs-footer-bar-links a {
  color: rgba(255, 255, 255, 0.4);
  transition: color 0.2s;
  font-size: 12px;
}

.abs-footer-bar-links a:hover {
  color: #fff;
}

@media (max-width: 1024px) {
  .abs-footer-top-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .footer-brand-col {
    grid-column: 1 / -1;
  }
}

@media (max-width: 768px) {
  .abs-footer-top-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }

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

  .abs-footer-bar-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 480px) {
  .abs-footer-top-grid {
    grid-template-columns: 1fr;
  }
}

/* ── SUPPLEMENTARY MOBILE IMPROVEMENTS ───────────────────── */

/* Mobile nav — better touch targets */
@media (max-width: 768px) {
  .mobile-nav li a {
    padding: 13px 20px;
    font-size: 15px;
    font-weight: 500;
  }

  .mobile-nav {
    padding: 8px 0 16px;
  }

  /* Service intro: stack image below text */
  .service-intro-grid {
    gap: 32px;
  }

  .service-intro-img img {
    height: 240px;
  }

  .service-intro-text h2 {
    font-size: 24px;
  }

  /* Rate highlight band */
  .rate-highlight-band .big-rate {
    font-size: 44px;
  }

  .rate-highlight-band h2 {
    font-size: 22px;
  }

  /* Service/CTA bands */
  .service-cta-band h2 {
    font-size: 22px;
  }

  .service-cta-band p {
    font-size: 14px;
  }

  /* FAQ */
  .faq-question {
    padding: 15px 18px;
    font-size: 14px;
  }

  .faq-answer {
    padding: 0 18px 14px;
  }

  /* Press grid */
  .press-grid {
    grid-template-columns: 1fr;
  }

  /* Photo hero */
  .photo-hero {
    height: 220px;
  }

  .photo-hero-content h1 {
    font-size: 24px;
  }

  /* Learning section */
  .learning-text h2 {
    font-size: 22px;
  }

  /* App section */
  .app-text h2 {
    font-size: 22px;
  }

  .app-badges {
    flex-direction: column;
    gap: 12px;
  }

  .app-badges img {
    max-width: 160px;
  }

  /* Section paddings — tighten on mobile */
  section[style*="padding:72px"] {
    padding-top: 48px !important;
    padding-bottom: 48px !important;
  }

  section[style*="padding:56px"] {
    padding-top: 36px !important;
    padding-bottom: 36px !important;
  }
}

@media (max-width: 480px) {

  /* How-it-works step connector line: hide on small screens */
  div[style*="position:absolute;top:32px"] {
    display: none !important;
  }

  /* Stack step items to 1 column at 480px */
  div[style*="repeat(4,1fr)"][style*="position:relative"] {
    grid-template-columns: 1fr 1fr !important;
  }

  /* Section padding further reduced */
  section[style*="padding:72px"] {
    padding-top: 36px !important;
    padding-bottom: 36px !important;
  }

  /* Photo hero */
  .photo-hero-content h1 {
    font-size: 20px;
  }

  .breadcrumb-nav {
    font-size: 12px;
  }

  /* service-cta buttons */
  .service-cta-band .btn {
    font-size: 13px;
    padding: 10px 24px;
  }
}