/* ==========================================================================
   Gelimage Bank Core Design System & Stylesheet
   ========================================================================== */

/* Google Fonts Import */
@import url("https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700&family=Lora:ital,wght@0,500;0,600;0,700;1,500&display=swap");

:root {
    /* ── Color Palette ── */
    --primary-navy: #152d6a;
    --primary-navy-light: #1e40af;
    --primary-blue: #2348b1;
    --primary-blue-hover: #1a3994;
    --accent-teal: #1cb5be;
    --accent-teal-hover: #179ea6;
    --accent-gold: #f59e0b;
    --accent-orange: #ff6f3c;

    --bg-white: #ffffff;
    --bg-light: #f7f9fc;
    --bg-gray: #f1f5f9;

    --text-dark: #1e2638;
    --text-body: #334155;
    --text-muted: #64748b;

    --border-color: #e2e8f0;
    --border-light: #f1f5f9;

    --success: #059669;
    --warning: #d97706;
    --danger: #dc2626;
    --info: #2563eb;

    /* ── Typography ── */
    --font-sans: "Outfit", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    --font-serif: "Lora", Georgia, serif;

    /* ── Shadows ── */
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 10px 25px -5px rgba(22, 45, 106, 0.08), 0 8px 10px -6px rgba(22, 45, 106, 0.08);
    --shadow-lg: 0 20px 35px -10px rgba(22, 45, 106, 0.12);

    /* ── Radii ── */
    --radius-sm: 4px;
    --radius-md: 12px;
    --radius-lg: 24px;

    /* ── Admin dark theme (overridden on admin pages) ── */
    --admin-bg: #0f172a;
    --admin-card: #1e293b;
    --admin-sidebar: #1e293b;
    --admin-text: #e2e8f0;
    --admin-text-muted: #94a3b8;
    --admin-border: rgba(255,255,255,0.06);

    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================================
   Design System Utility Classes
   ========================================================================== */
.text-muted { color: var(--text-muted); }
.text-body  { color: var(--text-body); }
.text-dark  { color: var(--text-dark); }
.text-sm    { font-size: 13px; }
.text-xs    { font-size: 11px; }
.font-bold  { font-weight: 700; }
.font-mono  { font-family: 'SF Mono', 'Fira Code', 'Consolas', monospace; }

.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: 8px; }
.gap-3 { gap: 12px; }
.gap-4 { gap: 16px; }
.gap-6 { gap: 24px; }

/* ── Buttons ── */
.btn { padding: 10px 20px; font-size: 14px; font-weight: 600; border-radius: var(--radius-sm); cursor: pointer; transition: var(--transition); border: none; text-transform: uppercase; letter-spacing: 0.5px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; text-decoration: none; }
.btn-primary { background: var(--primary-blue); color: #fff; }
.btn-primary:hover { background: var(--primary-blue-hover); }
.btn-teal { background: var(--accent-teal); color: #fff; }
.btn-teal:hover { background: var(--accent-teal-hover); }
.btn-outline { background: transparent; border: 2px solid currentColor; }
.btn-outline-navy { border-color: var(--primary-navy); color: var(--primary-navy); }
.btn-outline-navy:hover { background: var(--primary-navy); color: #fff; }
.btn-outline-blue { border-color: var(--primary-blue); color: var(--primary-blue); }
.btn-outline-blue:hover { background: var(--primary-blue); color: #fff; }
.btn-outline-green { border-color: #10b981; color: #10b981; }
.btn-outline-green:hover { background: #10b981; color: #fff; }
.btn-sm { padding: 6px 14px; font-size: 12px; }
.btn-lg { padding: 14px 32px; font-size: 15px; }
.btn-block { width: 100%; }
.btn:disabled { opacity: 0.5; cursor: not-allowed; }

/* ── Forms ── */
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 13px; font-weight: 700; color: var(--text-dark); margin-bottom: 8px; }
.form-input, .form-select, .form-textarea { width: 100%; padding: 12px 14px; border: 1px solid var(--border-color); border-radius: var(--radius-sm); font-size: 15px; font-family: var(--font-sans); outline: none; transition: border-color 0.2s; background: #fff; }
.form-input:focus, .form-select:focus, .form-textarea:focus { border-color: var(--primary-blue); }
.form-textarea { resize: vertical; min-height: 100px; }
.form-error { color: var(--danger); font-size: 13px; margin-top: 4px; }
.form-success { background: #ecfdf5; border: 1px solid #a7f3d0; border-radius: var(--radius-sm); padding: 12px 16px; color: var(--success); font-size: 13px; font-weight: 500; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* ── Cards ── */
.card { background: var(--bg-white); border: 1px solid var(--border-color); border-radius: var(--radius-md); box-shadow: var(--shadow-md); }
.card-header { padding: 24px 28px; border-bottom: 1px solid var(--border-color); }
.card-body { padding: 28px; }
.card-footer { padding: 20px 28px; border-top: 1px solid var(--border-color); }

/* ── Badges ── */
.badge { display: inline-flex; align-items: center; padding: 3px 10px; border-radius: 20px; font-size: 11px; font-weight: 600; }
.badge-success { background: rgba(5,150,105,0.15); color: var(--success); }
.badge-warning { background: rgba(217,119,6,0.15); color: var(--warning); }
.badge-danger { background: rgba(220,38,38,0.15); color: var(--danger); }
.badge-info { background: rgba(37,99,235,0.15); color: var(--info); }
.badge-neutral { background: rgba(100,116,139,0.15); color: var(--text-muted); }

/* ── Page Hero (shared) ── */
.page-hero { position: relative; min-height: 400px; display: flex; align-items: center; background-size: cover; background-position: center; overflow: hidden; color: #fff; }
.page-hero .container { position: relative; z-index: 2; }
.page-hero-content { max-width: 620px; }
.page-hero-eyebrow { display: inline-block; background: var(--accent-teal); color: #fff; font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; padding: 5px 14px; border-radius: var(--radius-sm); margin-bottom: 18px; }
.page-hero h1 { color: #fff; font-size: clamp(34px, 5vw, 54px); font-weight: 800; line-height: 1.15; margin: 0 0 18px; }
.page-hero p { color: rgba(255,255,255,0.88); font-size: 18px; line-height: 1.7; margin: 0 0 30px; }
.gradient-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(21,45,106,0.85) 0%, rgba(35,72,177,0.55) 100%); }

/* ── Sticky Anchor Nav ── */
.anchor-nav { background: var(--bg-white); border-bottom: 1px solid var(--border-color); position: sticky; top: 0; z-index: 100; box-shadow: var(--shadow-md); }
.anchor-nav .container { display: flex; gap: 0; overflow-x: auto; scrollbar-width: none; }
.anchor-nav a { display: inline-block; padding: 14px 20px; font-size: 13px; font-weight: 600; color: var(--text-muted); text-decoration: none; white-space: nowrap; border-bottom: 3px solid transparent; transition: color .2s, border-color .2s; flex-shrink: 0; }
.anchor-nav a:hover { color: var(--primary-blue); border-bottom-color: var(--primary-blue); }

/* ── Content Section ── */
.content-section { padding: 80px 0; border-bottom: 1px solid var(--border-color); }
.content-section:nth-child(even) { background: var(--bg-light); }
.content-section h2 { color: var(--primary-navy); font-size: 28px; font-weight: 800; margin: 0 0 16px; line-height: 1.25; }
.content-section p { color: var(--text-muted); font-size: 16px; line-height: 1.75; margin: 0 0 14px; }

/* ── Auth Card (login/register) ── */
.auth-section { min-height: 100vh; background: linear-gradient(135deg, var(--primary-navy) 0%, #1a3994 100%); display: flex; align-items: center; justify-content: center; padding: 60px 24px; }
.auth-card { background: var(--bg-white); border-radius: var(--radius-lg); padding: 56px 48px; width: 100%; max-width: 460px; box-shadow: var(--shadow-lg); }
.auth-header { text-align: center; margin-bottom: 40px; }
.auth-header-icon { display: flex; align-items: center; justify-content: center; gap: 8px; margin-bottom: 16px; }
.auth-header-icon svg { width: 24px; height: 24px; stroke: var(--primary-navy); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.auth-header h1 { font-size: 22px; font-weight: 600; color: var(--primary-navy); margin: 0; }

/* ── Feature Card (bank.php, checking pages) ── */
.feature-card { background: var(--bg-white); border-radius: var(--radius-md); overflow: hidden; box-shadow: var(--shadow-md); border: 1px solid var(--border-color); display: flex; flex-direction: column; transition: all 0.3s ease; }
.feature-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.feature-card-header { padding: 36px 32px; color: #fff; }
.feature-card-icon { width: 52px; height: 52px; background: rgba(255,255,255,0.15); border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.feature-card-header h3 { font-size: 24px; font-weight: 800; margin-bottom: 8px; }
.feature-card-header p { opacity: 0.82; font-size: 14px; line-height: 1.6; }
.feature-card-body { padding: 32px; flex: 1; display: flex; flex-direction: column; }
.feature-card-body ul { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; flex: 1; }
.feature-card-body li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: var(--text-dark); }
.feature-card-body li svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; }

/* ── Stat Bar ── */
.stat-bar { background: var(--primary-navy); padding: 20px 0; }
.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-grid .stat-value { font-size: 28px; font-weight: 800; color: var(--accent-teal); }
.stat-grid .stat-label { font-size: 12px; color: rgba(255,255,255,0.75); font-weight: 500; margin-top: 4px; }

/* ── Section Title ── */
.section-heading { text-align: center; margin-bottom: 60px; }
.section-heading h2 { font-size: 38px; font-weight: 800; color: var(--primary-navy); margin-bottom: 16px; letter-spacing: -0.5px; }
.section-heading p { font-size: 17px; color: var(--text-muted); max-width: 550px; margin: 0 auto; line-height: 1.7; }

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

body {
    font-family: var(--font-sans);
    background-color: var(--bg-white);
    color: var(--text-dark);
    line-height: 1.6;
    overflow-x: hidden;
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

button,
input,
select {
    font-family: inherit;
}

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

/* Utilities */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ==========================================================================
   Header Component
   ========================================================================== */
.top-header {
    background-color: var(--bg-white);
    border-bottom: 1px solid var(--border-color);
    padding: 16px 0;
}

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

.logo {
    font-size: 24px;
    font-weight: 700;
    display: flex;
    align-items: center;
    color: var(--primary-navy);
}

.logo span {
    color: #e11d48;
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 16px;
}

.lang-selector {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-muted);
    cursor: pointer;
}

.lang-selector img {
    width: 18px;
    border-radius: 2px;
}

/* Sub Navigation Bar */
.sub-nav {
    background-color: var(--primary-navy);
    padding: 12px 0;
}

.sub-nav-menu {
    display: flex;
    justify-content: center;
    list-style: none;
    gap: 32px;
    flex-wrap: wrap;
}

.sub-nav-link {
    color: rgba(255, 255, 255, 0.85);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    position: relative;
    padding: 4px 0;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.sub-nav-link svg {
    width: 16px;
    height: 16px;
    stroke: rgba(255, 255, 255, 0.7);
    fill: none;
    transition: var(--transition);
}

.sub-nav-link::after {
    content: "";
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent-teal);
    transition: var(--transition);
}

.sub-nav-link:hover {
    color: var(--bg-white);
}

.sub-nav-link:hover svg {
    stroke: var(--accent-teal);
}

.sub-nav-link:hover::after {
    width: 100%;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
    position: relative;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    padding: 120px 0 160px 0;
    color: var(--bg-white);
}

.hero::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(
        90deg,
        rgba(21, 45, 106, 0.85) 0%,
        rgba(21, 45, 106, 0.4) 100%
    );
}

.hero .container {
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 550px;
}

.hero-content h1 {
    font-family: var(--font-sans);
    font-size: 42px;
    font-weight: 700;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.hero-content p {
    font-size: 16px;
    line-height: 1.6;
    margin-bottom: 32px;
    opacity: 0.9;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.btn-hero {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 28px;
    font-weight: 600;
    border-radius: var(--radius-sm);
    color: var(--bg-white);
    box-shadow: var(--shadow-sm);
}

.btn-hero-blue {
    background-color: var(--primary-blue);
}

.btn-hero-blue:hover {
    background-color: #1a3994;
    transform: translateY(-2px);
}

.btn-hero-teal {
    background-color: var(--accent-teal);
}

.btn-hero-teal:hover {
    background-color: var(--accent-teal-hover);
    transform: translateY(-2px);
}

/* ==========================================================================
   Rates / Member Care Grid Section
   ========================================================================== */
.rates-section {
    margin-top: -60px;
    position: relative;
    z-index: 10;
    margin-bottom: 60px;
}

.rates-card {
    background: var(--bg-white);
    border-radius: 8px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--border-color);
}

.rates-tabs-header {
    display: flex;
}

.rates-tab-btn {
    flex: 1;
    padding: 20px;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    background-color: #f1f5f9;
    color: var(--text-muted);
    border: none;
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
}

.rates-tab-btn.active {
    background-color: #175d8c;
    color: var(--bg-white);
}

.category-tabs {
    display: flex;
    justify-content: space-around;
    background-color: #fafbfc;
    border-bottom: 1px solid var(--border-color);
    padding: 16px 0;
    flex-wrap: wrap;
}

.cat-tab-btn {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px 16px;
    color: var(--text-muted);
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.5px;
    transition: var(--transition);
}

.cat-tab-btn svg {
    width: 24px;
    height: 24px;
    stroke: var(--text-muted);
    fill: none;
    transition: var(--transition);
}

.cat-tab-btn.active {
    color: #175d8c;
}

.cat-tab-btn.active svg {
    stroke: #175d8c;
}

.rates-grid-content {
    padding: 40px 24px;
}

.rates-items-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 32px;
    text-align: center;
}

.rate-item {
    border-right: 1px solid var(--border-color);
    padding: 0 16px;
}

.rate-item:last-child {
    border-right: none;
}

.rate-value {
    font-size: 36px;
    font-weight: 700;
    color: var(--accent-gold);
    line-height: 1;
    margin-bottom: 4px;
}

.rate-value span {
    font-size: 14px;
    font-weight: 500;
    vertical-align: super;
    margin-left: 2px;
}

.rate-title {
    font-size: 12px;
    font-weight: 700;
    color: var(--primary-navy);
    margin-bottom: 8px;
    letter-spacing: 0.5px;
}

.rate-subtitle {
    font-size: 11px;
    color: var(--text-muted);
    text-decoration: underline;
    cursor: pointer;
}

/* ==========================================================================
   Help Today Section
   ========================================================================== */
.help-section {
    background-color: var(--primary-blue);
    color: var(--bg-white);
    padding: 80px 0;
    text-align: center;
}

.help-section h2 {
    font-family: var(--font-serif);
    font-size: 36px;
    font-weight: 600;
    margin-bottom: 48px;
}

.help-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

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

.help-card {
    display: flex;
    align-items: center;
    gap: 20px;
    text-align: left;
    background: rgba(255, 255, 255, 0.05);
    padding: 24px;
    border-radius: var(--radius-md);
    border: 1px solid rgba(255, 255, 255, 0.1);
    transition: var(--transition);
    cursor: pointer;
    color: inherit;
    text-decoration: none;
}

.help-card:hover {
    background: rgba(255, 255, 255, 0.1);
    transform: translateY(-5px);
}

.help-icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border: 2px solid var(--accent-teal);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.help-icon svg {
    width: 24px;
    height: 24px;
    stroke: var(--accent-teal);
    fill: none;
}

.help-title {
    font-size: 14px;
    font-weight: 600;
    letter-spacing: 0.8px;
    text-transform: uppercase;
}

/* ==========================================================================
   Promo Card Section
   ========================================================================== */
.promo-section {
    padding: 100px 0;
    background-color: var(--bg-light);
}

.promo-wrapper {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    background-color: var(--bg-white);
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

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

.promo-content {
    padding: 60px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.promo-content h2 {
    font-size: 28px;
    font-weight: 700;
    color: var(--text-dark);
    margin-bottom: 16px;
    line-height: 1.3;
}

.promo-content p {
    color: var(--text-muted);
    font-size: 16px;
    margin-bottom: 24px;
}

.promo-image {
    background-size: cover;
    background-position: center;
    min-height: 350px;
}

/* ==========================================================================
   Financial Strength (Articles) Section
   ========================================================================== */
.financial-strength {
    padding: 100px 0;
    background-color: var(--bg-white);
}

.section-title {
    text-align: center;
    font-size: 32px;
    font-weight: 800;
    text-transform: uppercase;
    color: var(--text-dark);
    margin-bottom: 48px;
    letter-spacing: 0.5px;
}

.articles-grid {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 32px;
}

@media (max-width: 992px) {
    .articles-grid {
        grid-template-columns: 1fr;
    }
}

.featured-article {
    position: relative;
    border-radius: var(--radius-md);
    overflow: hidden;
    min-height: 480px;
    display: flex;
    align-items: flex-end;
    color: var(--bg-white);
}

.featured-article-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-size: cover;
    background-position: center;
    transition: var(--transition);
}

.featured-article:hover .featured-article-bg {
    transform: scale(1.03);
}

.featured-article::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(
        to top,
        rgba(0, 0, 0, 0.85) 0%,
        rgba(0, 0, 0, 0.2) 60%,
        rgba(0, 0, 0, 0) 100%
    );
    z-index: 2;
}

.featured-content {
    position: relative;
    z-index: 3;
    padding: 40px;
}

.article-badge {
    background-color: var(--primary-blue);
    color: var(--bg-white);
    padding: 4px 8px;
    font-size: 10px;
    font-weight: 700;
    border-radius: 2px;
    display: inline-block;
    margin-bottom: 12px;
}

.featured-content h3 {
    font-size: 26px;
    font-weight: 700;
    margin-bottom: 12px;
}

.featured-content p {
    font-size: 14px;
    opacity: 0.9;
    margin-bottom: 16px;
}

.article-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.article-row-item {
    display: flex;
    background: var(--bg-light);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid var(--border-color);
}

.article-row-item:hover {
    transform: translateX(5px);
    box-shadow: var(--shadow-sm);
}

.article-row-img {
    width: 120px;
    background-size: cover;
    background-position: center;
    flex-shrink: 0;
}

.article-row-content {
    padding: 20px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.article-row-content h4 {
    font-size: 15px;
    font-weight: 700;
    color: var(--text-dark);
}

/* ==========================================================================
   Hear From Our Customers Section
   ========================================================================== */
.testimonials {
    background-color: var(--bg-light);
    padding: 80px 0;
    text-align: center;
}

.testimonials h2 {
    font-family: var(--font-serif);
    font-size: 32px;
    font-style: italic;
    color: var(--primary-navy);
    margin-bottom: 32px;
}

.testimonial-container {
    max-width: 700px;
    margin: 0 auto;
    position: relative;
    min-height: 120px;
}

.testimonial-item {
    display: none;
    font-size: 18px;
    color: var(--text-dark);
    line-height: 1.6;
}

.testimonial-item.active {
    display: block;
    animation: fadeIn 0.5s ease-in-out;
}

.testimonial-author {
    margin-top: 16px;
    font-weight: 700;
    color: var(--primary-blue);
    font-size: 14px;
}

.testimonial-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 24px;
}

.dot {
    width: 10px;
    height: 10px;
    background-color: #cbd5e1;
    border-radius: 50%;
    cursor: pointer;
    transition: var(--transition);
}

.dot.active {
    background-color: var(--accent-teal);
}

/* ==========================================================================
   Contact Bar Component (Teal)
   ========================================================================== */
.contact-bar {
    background: linear-gradient(135deg, #102456 0%, #152d6a 50%, #144985 100%);
    position: relative;
    padding: 60px 0;
    overflow: hidden;
}

/* Subtle background accent glow */
.contact-bar::before {
    content: "";
    position: absolute;
    top: -50%;
    right: -20%;
    width: 300px;
    height: 300px;
    background: var(--accent-teal);
    opacity: 0.15;
    filter: blur(100px);
    pointer-events: none;
}

.contact-bar-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

@media (max-width: 992px) {
    .contact-bar-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 576px) {
    .contact-bar {
        padding: 44px 0;
    }

    .contact-bar .container {
        padding: 0 16px;
    }

    .contact-bar-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .contact-card {
        padding: 18px;
        gap: 16px;
        border-radius: 14px;
    }

    .contact-card-header {
        gap: 12px;
    }

    .contact-card-icon {
        width: 42px;
        height: 42px;
        border-radius: 10px;
    }

    .contact-card-icon svg {
        width: 20px;
        height: 20px;
    }

    .contact-card-meta strong {
        font-size: 14px;
    }

    .contact-card-meta span,
    .contact-card-meta .support-email,
    .contact-card-meta .video-sub,
    .hours-list span {
        font-size: 12px;
        line-height: 1.5;
    }

    .contact-card-meta .routing-number-value {
        font-size: 14px;
        letter-spacing: 0.5px;
        word-break: break-word;
    }

    .contact-card-btn {
        min-height: 44px;
        padding: 10px 14px;
        font-size: 11px;
        text-align: center;
        flex-wrap: wrap;
    }
}

.contact-card {
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 16px;
    padding: 24px;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    gap: 20px;
    color: var(--bg-white);
    text-decoration: none;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
    position: relative;
    backdrop-filter: blur(10px);
}

.contact-card:hover {
    transform: translateY(-5px);
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.25);
    box-shadow: 0 12px 30px rgba(28, 181, 190, 0.15);
}

.contact-card-header {
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.contact-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: rgba(28, 181, 190, 0.15);
    border: 1px solid rgba(28, 181, 190, 0.3);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: var(--transition);
    position: relative;
}

.contact-card:hover .contact-card-icon {
    background: var(--accent-teal);
    border-color: var(--accent-teal);
    transform: scale(1.05);
}

.contact-card-icon svg {
    width: 24px;
    height: 24px;
    stroke: var(--accent-teal);
    fill: none;
    stroke-width: 2;
    transition: var(--transition);
}

.contact-card:hover .contact-card-icon svg {
    stroke: var(--bg-white);
}

.contact-card-meta {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.contact-card-meta strong {
    font-size: 15px;
    font-weight: 600;
    letter-spacing: 0.3px;
    color: var(--bg-white);
}

.contact-card-meta span {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.4;
}

.contact-card-meta .routing-number-value {
    font-family: monospace;
    font-size: 16px;
    font-weight: 700;
    letter-spacing: 1px;
    color: var(--accent-teal);
    margin-top: 2px;
    transition: var(--transition);
}

.contact-card:hover .routing-number-value {
    color: #ffffff;
}

.hours-list {
    display: flex;
    flex-direction: column;
    gap: 2px;
    margin-top: 4px;
}

.hours-list span {
    font-size: 12px;
}

.contact-card-meta .support-email {
    font-size: 13px;
    font-weight: 500;
    word-break: break-all;
}

.contact-card-meta .video-sub {
    font-size: 12px;
}

/* Pulse indicator for Live Video */
.live-connect {
    position: relative;
}

.live-dot-pulse {
    position: absolute;
    top: -2px;
    right: -2px;
    width: 10px;
    height: 10px;
    background-color: #22c55e;
    border-radius: 50%;
    border: 2px solid #162a63;
    box-shadow: 0 0 8px #22c55e;
    animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
    0% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.7);
    }
    70% {
        transform: scale(1);
        box-shadow: 0 0 0 6px rgba(34, 197, 94, 0);
    }
    100% {
        transform: scale(0.95);
        box-shadow: 0 0 0 0 rgba(34, 197, 94, 0);
    }
}

/* Card Button/Footer Action */
.contact-card-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    width: 100%;
    padding: 10px 16px;
    background: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.1);
    border-radius: 10px;
    font-size: 12px;
    font-weight: 600;
    color: var(--bg-white);
    cursor: pointer;
    transition: var(--transition);
    margin-top: auto;
}

.contact-card:hover .contact-card-btn {
    background: rgba(28, 181, 190, 0.1);
    border-color: rgba(28, 181, 190, 0.4);
    color: var(--accent-teal);
}

.contact-card-btn svg {
    transition: transform 0.2s ease;
}

.contact-card:hover .contact-card-btn svg {
    transform: translateX(3px);
}

/* Copy Button Spec */
.copy-btn {
    outline: none;
    border: 1px solid rgba(255, 255, 255, 0.1);
}
.copy-btn:hover {
    background: rgba(28, 181, 190, 0.15) !important;
    color: var(--accent-teal) !important;
    border-color: var(--accent-teal) !important;
}

/* ==========================================================================
   Footer Component
   ========================================================================== */
.main-footer {
    background-color: var(--primary-navy);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 40px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 48px;
    margin-bottom: 60px;
}

@media (max-width: 992px) {
    .footer-top {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 576px) {
    .main-footer {
        padding: 56px 0 28px 0;
    }

    .main-footer .container,
    .legal-bar .container {
        padding: 0 16px;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 28px;
        margin-bottom: 32px;
    }

    .footer-col h3 {
        font-size: 15px;
        margin-bottom: 14px;
        padding-bottom: 6px;
    }

    .footer-col p,
    .footer-col ul li {
        font-size: 12px;
        line-height: 1.7;
    }

    .footer-col ul li {
        margin-bottom: 10px;
    }

    .footer-logo {
        font-size: 24px;
        margin-bottom: 10px;
    }

    .legal-bar {
        padding: 16px 0 20px;
    }

    .legal-bar .container {
        flex-direction: column;
        align-items: flex-start;
        gap: 16px;
    }

    .legal-links {
        flex-direction: column;
        gap: 10px;
        width: 100%;
    }

    .legal-logos {
        flex-direction: column;
        align-items: stretch;
        gap: 10px;
        width: 100%;
    }

    .legal-logos > div {
        width: 100%;
        justify-content: center;
        text-align: center;
    }
}

.footer-col h3 {
    color: var(--bg-white);
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 8px;
}

.footer-col h3::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 30px;
    height: 2px;
    background-color: var(--accent-teal);
}

.footer-col p {
    font-size: 13px;
    line-height: 1.7;
}

.footer-col ul {
    list-style: none;
}

.footer-col ul li {
    margin-bottom: 12px;
    font-size: 13px;
}

.footer-col ul li a:hover {
    color: var(--bg-white);
    padding-left: 4px;
}

.footer-logo {
    font-size: 28px;
    font-weight: 700;
    color: var(--bg-white);
    margin-bottom: 16px;
}

.footer-logo span {
    color: #e11d48;
}

/* Legal & Compliance Bottom Bar */
.legal-bar {
    background-color: var(--bg-white);
    padding: 20px 0;
    border-top: 1px solid var(--border-color);
}

.legal-bar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.legal-links {
    display: flex;
    gap: 24px;
    list-style: none;
    font-size: 12px;
    font-weight: 500;
    color: var(--text-muted);
}

.legal-logos {
    display: flex;
    align-items: center;
    gap: 24px;
}

.legal-logos img {
    height: 24px;
    opacity: 0.7;
}

/* Float Chat Button */
.chat-widget-btn {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 60px;
    height: 60px;
    background-color: var(--primary-navy);
    border-radius: 50%;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.25);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    z-index: 999;
    border: 2px solid rgba(255, 255, 255, 0.1);
    transition: var(--transition);
}

.chat-widget-btn:hover {
    transform: scale(1.08);
}

.chat-widget-btn svg {
    width: 28px;
    height: 28px;
    stroke: var(--bg-white);
    fill: none;
}

/* ==========================================================================
   Mobile Bottom Navigation
   ========================================================================== */
.mobile-bottom-nav {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 9999;
    background: var(--bg-white);
    border-top: 1px solid var(--border-color);
    box-shadow: 0 -2px 10px rgba(0,0,0,0.08);
    justify-content: space-around;
    align-items: center;
    padding: 6px 0 env(safe-area-inset-bottom, 6px);
}

.mb-nav-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2px;
    padding: 4px 8px;
    font-size: 10px;
    font-weight: 600;
    color: var(--text-muted);
    text-decoration: none;
    cursor: pointer;
    transition: color 0.2s;
    min-width: 0;
    border: none;
    background: none;
    -webkit-tap-highlight-color: transparent;
}

.mb-nav-item svg {
    width: 22px;
    height: 22px;
    stroke: currentColor;
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

.mb-nav-item:hover,
.mb-nav-item:active {
    color: var(--primary-blue);
}

.mb-nav-more {
    position: relative;
}

.mb-nav-dropdown {
    display: none;
    position: absolute;
    bottom: 100%;
    right: 0;
    margin-bottom: 8px;
    background: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 180px;
    padding: 8px;
    z-index: 10000;
}

.mb-nav-dropdown.open {
    display: block;
}

.mb-nav-dropdown a {
    display: block;
    padding: 10px 14px;
    font-size: 13px;
    font-weight: 500;
    color: var(--text-dark);
    text-decoration: none;
    border-radius: var(--radius-sm);
    transition: background 0.2s;
}

.mb-nav-dropdown a:hover {
    background: var(--bg-light);
    color: var(--primary-blue);
}

@media (max-width: 768px) {
    .mobile-bottom-nav {
        display: flex;
    }
    body {
        padding-bottom: 58px;
    }
    .chat-widget-btn {
        bottom: 80px; /* Lift it up above the mobile bottom nav */
    }
}

/* Animations */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* ==========================================================================
   Navigation Dropdown Menu Component
   ========================================================================== */
.sub-nav-menu li {
    position: relative;
}

.nav-dropdown-wrapper {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(12px);
    background-color: var(--bg-white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    width: 500px;
    padding: 24px;
    opacity: 0;
    visibility: hidden;
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    z-index: 9999;
    border: 1px solid var(--border-color);
    margin-top: 4px;
}

.nav-dropdown-wrapper:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

.dropdown-columns {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 20px;
}

.dropdown-col {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.dropdown-item {
    font-size: 13.5px;
    font-weight: 500;
    color: var(--text-dark);
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    text-align: left;
    display: block;
}

.dropdown-item:hover {
    background-color: var(--bg-light);
    color: var(--primary-blue);
    padding-left: 18px;
}

.promo-col {
    background-color: var(--bg-light);
    padding: 18px;
    border-radius: 8px;
    border: 1px solid var(--border-color);
    text-align: left;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.promo-col h5 {
    color: var(--primary-navy);
    font-size: 13.5px;
    font-weight: 700;
    margin-bottom: 6px;
    text-transform: uppercase;
}

.promo-col p {
    color: var(--text-muted);
    font-size: 11.5px;
    line-height: 1.5;
    margin-bottom: 14px;
}

.dropdown-learn-more {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--primary-blue);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-top: auto;
}

.dropdown-learn-more:hover {
    color: var(--accent-teal);
}

.arrow-icon {
    transition: var(--transition);
    stroke: rgba(255, 255, 255, 0.7);
    fill: none;
    stroke-width: 3;
}

.nav-dropdown-wrapper:hover .arrow-icon {
    transform: rotate(180deg);
}

/* Mobile Menu Trigger & Drawer Styles */
.mobile-menu-btn {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    width: 32px;
    height: 32px;
    padding: 0;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    z-index: 1000;
}

.mobile-menu-btn span {
    display: block;
    width: 24px;
    height: 2px;
    background-color: var(--primary-navy);
    transition: var(--transition);
}

.mobile-menu-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(21, 45, 106, 0.4);
    backdrop-filter: blur(4px);
    z-index: 10000;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease;
}

.mobile-menu-overlay.open {
    opacity: 1;
    pointer-events: auto;
}

.mobile-menu-drawer {
    position: absolute;
    top: 0;
    right: -320px;
    width: 320px;
    height: 100%;
    background-color: var(--bg-white);
    box-shadow: -5px 0 25px rgba(0, 0, 0, 0.15);
    padding: 24px;
    display: flex;
    flex-direction: column;
    overflow-y: auto;
    transition: right 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.mobile-menu-overlay.open .mobile-menu-drawer {
    right: 0;
}

.mobile-menu-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 24px;
}

.mobile-menu-close {
    background: none;
    border: none;
    font-size: 32px;
    color: var(--text-dark);
    cursor: pointer;
    line-height: 1;
}

.mobile-menu-routing {
    background-color: var(--bg-light);
    padding: 10px 14px;
    border-radius: var(--radius-sm);
    font-size: 13px;
    font-weight: 600;
    color: var(--text-muted);
    margin-bottom: 20px;
}

.mobile-menu-actions {
    margin-bottom: 20px;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.mobile-menu-actions .btn {
    padding: 4px 6px;
    font-size: 11px;
    letter-spacing: 0.1px;
    text-align: center;
}

.mobile-menu-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.mobile-menu-link {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-navy);
}

.mobile-menu-sublist {
    list-style: none;
    padding-left: 12px;
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 12px;
}

.mobile-menu-sublist a {
    font-size: 14px;
    font-weight: 500;
    color: var(--text-dark);
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 5px 0;
    transition: color 0.2s;
}

.mobile-menu-sublist a:hover {
    color: var(--primary-blue);
}

.mobile-menu-sublist a svg {
    width: 15px;
    height: 15px;
    stroke: var(--accent-teal);
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
    flex-shrink: 0;
    transition: stroke 0.2s;
}

.mobile-menu-sublist a:hover svg {
    stroke: var(--primary-blue);
}

/* Home link icon */
.mobile-menu-link {
    font-size: 16px;
    font-weight: 700;
    color: var(--primary-navy);
    display: flex;
    align-items: center;
    gap: 10px;
}

.mob-link-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 32px;
    height: 32px;
    background: var(--primary-navy);
    border-radius: 8px;
    flex-shrink: 0;
}

.mob-link-icon svg {
    width: 16px;
    height: 16px;
    stroke: #fff;
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

/* Group title with icon */
.mobile-menu-group-title {
    font-size: 12px;
    font-weight: 800;
    text-transform: uppercase;
    color: var(--primary-navy);
    letter-spacing: 0.8px;
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
    padding-bottom: 8px;
    border-bottom: 2px solid var(--border-color);
}

.mob-group-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    background: linear-gradient(
        135deg,
        var(--primary-navy),
        var(--primary-blue)
    );
    border-radius: 7px;
    flex-shrink: 0;
}

.mob-group-icon svg {
    width: 14px;
    height: 14px;
    stroke: #fff;
    fill: none;
    stroke-width: 2;
    stroke-linecap: round;
    stroke-linejoin: round;
}

/* ==========================================================================
   Responsive Utilities & Grids
   ========================================================================== */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
}

.accounts-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    align-items: stretch;
}

.split-promo-grid {
    display: grid;
    grid-template-columns: 1fr 420px;
    align-items: center;
    gap: 0;
    min-height: 360px;
}

.split-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: center;
}

/* ==========================================================================
   Responsive Mobile Layout
   ========================================================================== */
@media (max-width: 768px) {
    /* Header */
    .top-header .container {
        display: flex;
        justify-content: space-between;
        align-items: center;
    }
    .top-header .header-actions {
        display: none;
    }
    .mobile-menu-btn {
        display: flex;
    }
    .sub-nav {
        display: none;
    }
    .logo {
        font-size: 22px;
    }
    /* Hero (homepage) */
    .hero {
        padding: 60px 0 80px 0;
    }
    .hero-content h1 {
        font-size: 32px;
    }
    .hero-content p {
        font-size: 15px;
        margin-bottom: 24px;
    }
    /* Page Hero headings — all interior pages */
    section h1 {
        font-size: 32px !important;
        line-height: 1.2 !important;
    }
    section h2 {
        font-size: 26px !important;
    }
    section p {
        max-width: 100% !important;
    }
    /* CTA button rows on hero */
    section div[style*="display: flex"][style*="gap"] > a {
        width: 100%;
        justify-content: center;
        text-align: center;
    }
    /* Section padding reduction */
    section[style*="padding: 100px"] {
        padding-top: 56px !important;
        padding-bottom: 56px !important;
    }
    section[style*="padding: 80px"] {
        padding-top: 48px !important;
        padding-bottom: 48px !important;
    }
    /* App/download banner flex to column */
    section div[style*="justify-content: space-between"] {
        flex-direction: column;
        gap: 16px;
        text-align: center;
    }
    /* Registration form — 2-col grid to 1-col */
    #register_form div[style*="grid-template-columns: 1fr 1fr"] {
        grid-template-columns: 1fr !important;
    }
    /* Login/register card padding */
    section > div[style*="padding: 56px 48px"] {
        padding: 36px 24px !important;
        border-radius: 16px !important;
    }
    /* Rates Section */
    .rates-items-grid {
        grid-template-columns: 1fr;
    }
    /* Help Section */
    .help-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }
    .help-card {
        flex-direction: column;
        text-align: center;
        justify-content: center;
        padding: 16px 12px;
        gap: 10px;
    }
    .help-title {
        font-size: 13px;
        letter-spacing: 0.5px;
    }
    .help-section h2 {
        font-size: 26px;
        margin-bottom: 32px;
    }
    /* Promo Section */
    .promo-wrapper {
        grid-template-columns: 1fr;
    }
    .promo-content {
        padding: 32px 20px;
    }
    .promo-content h2 {
        font-size: 24px;
    }
    /* Articles Grid */
    .articles-grid {
        grid-template-columns: 1fr;
    }
    .section-title {
        font-size: 26px;
        margin-bottom: 32px;
    }
    .featured-content {
        padding: 24px;
    }
    .featured-content h3 {
        font-size: 20px;
    }
    /* Testimonials */
    .testimonials h2 {
        font-size: 26px;
        margin-bottom: 24px;
    }
    /* General Section Padding */
    .help-section,
    .promo-section,
    .financial-strength,
    .testimonials {
        padding: 48px 0;
    }
    /* Grid Utilities */
    .stats-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    .accounts-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    /* Contact Bar */
    .contact-bar {
        padding: 40px 0;
    }
    .contact-bar-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    .contact-card {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
        padding: 16px 20px;
        gap: 16px;
        border-radius: 14px;
        text-align: left;
    }
    .contact-card-header {
        align-items: center;
        flex: 1;
        gap: 16px;
    }
    .contact-card-icon {
        width: 44px;
        height: 44px;
        border-radius: 10px;
        flex-shrink: 0;
    }
    .contact-card-icon svg {
        width: 20px;
        height: 20px;
    }
    .contact-card-meta {
        gap: 2px;
    }
    .contact-card-meta strong {
        font-size: 14px;
    }
    .contact-card-meta span,
    .contact-card-meta .support-email,
    .contact-card-meta .routing-number-value {
        font-size: 13px;
        margin-top: 0;
    }
    .contact-card-meta .routing-number-value {
        font-size: 14px;
    }
    .hours-list {
        margin-top: 2px;
        gap: 1px;
    }
    .hours-list span {
        font-size: 12px;
    }
    .contact-card-btn {
        width: 40px;
        height: 40px;
        padding: 0;
        margin-top: 0;
        border-radius: 50%;
        display: inline-flex;
        align-items: center;
        justify-content: center;
        flex-shrink: 0;
    }
    .contact-card-btn .btn-text {
        display: none;
    }
    .contact-card-btn svg {
        width: 16px;
        height: 16px;
        margin: 0;
    }
    /* Footer Accordion & Mobile Styling */
    .main-footer {
        padding: 40px 0 20px 0;
    }

    .footer-top {
        grid-template-columns: 1fr;
        gap: 0;
        margin-bottom: 30px;
    }

    .footer-col {
        border-bottom: 1px solid rgba(255, 255, 255, 0.08);
        padding-bottom: 0;
        margin-bottom: 0;
    }

    .footer-col:last-child {
        border-bottom: none;
        padding-top: 16px;
    }

    .footer-col h3 {
        margin-bottom: 0;
        padding: 16px 0;
        cursor: pointer;
        display: flex;
        align-items: center;
        justify-content: space-between;
        font-size: 14px;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 0.5px;
    }

    .footer-col h3::after {
        content: "+";
        position: static;
        width: auto;
        height: auto;
        background: transparent;
        font-size: 18px;
        font-weight: 300;
        color: var(--accent-teal);
        transition: transform 0.3s ease;
    }

    .footer-col h3::before {
        display: none; /* Hide any desktop underline markers if any */
    }

    .footer-col.active h3::after {
        content: "−";
        transform: rotate(180deg);
    }

    .footer-col ul {
        max-height: 0;
        overflow: hidden;
        transition: all 0.3s cubic-bezier(0, 1, 0, 1);
        padding-left: 4px;
    }

    .footer-col.active ul {
        max-height: 500px;
        padding-bottom: 16px;
        transition: all 0.3s cubic-bezier(1, 0, 1, 0);
    }

    .footer-col p {
        max-height: 0;
        overflow: hidden;
        transition: all 0.3s cubic-bezier(0, 1, 0, 1);
        color: rgba(255, 255, 255, 0.6);
        font-size: 13px;
        line-height: 1.6;
    }

    .footer-col.active p {
        max-height: 500px;
        padding-bottom: 16px;
        transition: all 0.3s cubic-bezier(1, 0, 1, 0);
    }

    .footer-logo {
        margin-bottom: 10px;
        font-size: 24px;
    }

    /* Legal compliance bottom bar on mobile */
    .legal-bar {
        padding: 24px 0;
    }
    .legal-bar .container {
        flex-direction: column;
        text-align: center;
        gap: 20px;
    }
    .legal-links {
        justify-content: center;
        flex-wrap: wrap;
        gap: 16px;
    }
    .legal-logos {
        justify-content: center;
        width: 100%;
        gap: 16px;
    }
}
/* Adjust for tablets (max-width: 992px) */
@media (max-width: 992px) {
    .articles-grid {
        grid-template-columns: 1fr;
    }
    .contact-bar-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .footer-top {
        grid-template-columns: 1fr 1fr;
    }
    .promo-wrapper {
        grid-template-columns: 1fr;
    }
    .help-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    /* Global Layout Utility Overrides */
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    .accounts-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }
    .split-promo-grid {
        grid-template-columns: 1fr;
    }
    .split-promo-grid > div:first-child {
        padding: 48px 24px !important;
    }
    .split-promo-grid > div:last-child {
        display: none !important;
    }
    .split-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }
}

/* =========================================
   FINAL MOBILE POLISH — all pages
   ========================================= */
@media (max-width: 768px) {
    /* --- General container side padding --- */
    .container {
        padding-left: 16px;
        padding-right: 16px;
    }

    /* --- Anchor nav (invest, insure, borrow, payments) --- */
    .anchor-nav .container {
        padding-left: 0;
        padding-right: 0;
    }
    .anchor-nav a {
        padding: 12px 14px;
        font-size: 12px;
    }

    /* --- Page hero (invest, insure, borrow, payments shared class) --- */
    .page-hero {
        min-height: auto !important;
        padding: 56px 20px !important;
    }
    .page-hero h1 {
        font-size: clamp(26px, 8vw, 36px) !important;
    }
    .page-hero p {
        font-size: 15px !important;
    }
    .hero-btn-group {
        flex-direction: column;
        gap: 12px;
    }
    .hero-btn-group a {
        width: 100%;
        text-align: center;
        justify-content: center;
    }

    /* --- CTA banners (invest, insure) --- */
    .invest-cta-banner h2,
    .insure-cta h2 {
        font-size: 26px !important;
    }
    .invest-cta-banner p,
    .insure-cta p {
        font-size: 15px !important;
    }
    .invest-cta-banner div[style*="display:flex"],
    .insure-cta div[style*="display:flex"] {
        flex-direction: column;
        gap: 12px;
        align-items: stretch;
    }
    .invest-cta-banner div[style*="display:flex"] a,
    .insure-cta div[style*="display:flex"] a {
        width: 100%;
        text-align: center;
    }

    /* --- bank.php feature cards (3-col -> 1-col via accounts-grid override) --- */
    .accounts-grid {
        grid-template-columns: 1fr !important;
    }

    /* --- stats-grid (4-col -> 2-col on tablet, 1-col on mobile) --- */
    .stats-grid {
        grid-template-columns: repeat(2, 1fr) !important;
        gap: 20px;
    }

    /* --- learn-and-plan article images --- */
    .article-img {
        height: 180px;
    }

    /* --- learn-and-plan calculator layout --- */
    .calc-container {
        grid-template-columns: 1fr !important;
        gap: 28px;
    }
    .calc-results {
        height: auto;
    }
    .calc-result-val {
        font-size: 36px;
    }

    /* --- user.php dashboard account card fonts --- */
    #account_cards_row div[style*="font-size: 28px"] {
        font-size: 22px !important;
    }

    /* --- login / register card --- */
    section > div[style*="max-width: 460px"],
    section > div[style*="max-width: 520px"] {
        padding: 32px 20px !important;
        border-radius: 16px !important;
        margin: 16px !important;
    }

    /* --- about-us values + leadership grids --- */
    .accounts-grid[style] {
        grid-template-columns: 1fr !important;
    }

    /* --- borrow.php service image height --- */
    .loan-image {
        height: 220px !important;
    }
    .service-image {
        height: 220px !important;
    }
    .ins-image {
        height: 220px !important;
    }

    /* --- borrow perks 2-col -> 1-col --- */
    .loan-perks-grid {
        grid-template-columns: 1fr !important;
    }
    .covers-grid {
        grid-template-columns: 1fr !important;
    }

    /* --- contact.php info-grid override --- */
    .info-grid {
        grid-template-columns: 1fr !important;
    }
    .split-container {
        grid-template-columns: 1fr !important;
        gap: 32px !important;
    }


    /* ==========================================================================
       URGENT MOBILE FIXES (Contact Bar & Footer)
       ========================================================================== */
    @media (max-width: 768px) {
        /* Contact Bar Overrides */
        .contact-bar {
            padding: 50px 0 !important;
        }
        .contact-bar-grid {
            grid-template-columns: 1fr !important;
            gap: 20px !important;
        }
        .contact-card {
            flex-direction: column !important;
            align-items: stretch !important;
            text-align: left !important;
            padding: 28px !important;
            gap: 24px !important;
            background: rgba(255, 255, 255, 0.07) !important;
            border-radius: 20px !important;
        }
        .contact-card-header {
            display: flex !important;
            flex-direction: row !important;
            align-items: flex-start !important;
            gap: 16px !important;
        }
        .contact-card-icon {
            width: 56px !important;
            height: 56px !important;
            border-radius: 14px !important;
            background: rgba(28, 181, 190, 0.2) !important;
            border: 1px solid rgba(28, 181, 190, 0.3) !important;
            flex-shrink: 0 !important;
        }
        .contact-card-icon svg {
            width: 28px !important;
            height: 28px !important;
            stroke: var(--accent-teal) !important;
        }
        .contact-card-meta strong {
            font-size: 18px !important;
            margin-bottom: 4px !important;
            display: block !important;
        }
        .contact-card-meta .routing-number-value {
            font-size: 17px !important;
            color: var(--accent-teal) !important;
        }
        .hours-list span {
            font-size: 14px !important;
            line-height: 1.6 !important;
            color: rgba(255, 255, 255, 0.8) !important;
        }

        /* Fix for the elliptical/oval button issue */
        .contact-card-btn {
            margin-top: 10px !important;
            width: 100% !important;
            height: 50px !important; /* Explicit height to prevent collapsing into an oval */
            border-radius: 12px !important; /* Square-ish corners */
            background: rgba(255, 255, 255, 0.1) !important;
            border: 1px solid rgba(255, 255, 255, 0.15) !important;
            font-size: 14px !important;
            display: flex !important;
            align-items: center !important;
            justify-content: center !important;
        }

        /* Footer Overrides */
        .main-footer {
            padding: 60px 0 30px 0 !important;
        }
        .footer-top {
            grid-template-columns: 1fr !important;
            gap: 32px !important;
        }
        .footer-col {
            border-bottom: none !important;
            margin-bottom: 0 !important;
            padding-bottom: 0 !important;
        }
        .footer-col h3 {
            margin-bottom: 16px !important;
            padding-bottom: 8px !important;
            display: block !important;
            font-size: 17px !important;
        }
        .footer-col h3::after {
            display: block !important;
            position: absolute !important;
            content: "" !important;
            width: 30px !important;
            height: 2px !important;
            bottom: 0 !important;
            background-color: var(--accent-teal) !important;
        }
        .footer-col ul, .footer-col p {
            max-height: none !important;
            display: block !important;
            opacity: 1 !important;
            font-size: 14px !important;
        }

        .legal-bar .container {
            flex-direction: column !important;
            align-items: center !important;
            text-align: center !important;
            padding: 24px 16px !important;
        }
        .legal-links {
            justify-content: center !important;
            flex-wrap: wrap !important;
            gap: 20px !important;
            margin-bottom: 10px !important;
        }
        .legal-logos {
            justify-content: center !important;
            width: 100% !important;
            flex-direction: column !important;
            gap: 12px !important;
        }
    }