body {
    font-family: 'Inter', sans-serif;
  
}
html, body {
    overflow-x: hidden;
}
#desktop-navbar,
#mobile-navbar {
    transition: transform 0.4s ease;
}

.nav-hide {
    transform: translateY(-100%);
}


/* ===================== FULL PAGE LOADER ===================== */
#preloader {
    position: fixed;
    inset: 0;
    background: #ffffff;
    display: flex;
    justify-content: center;
    align-items: center;
    z-index: 99999;
}

.loader-content {
    text-align: center;
}

.loader-content .logo {
    width: 120px;
    margin-bottom: 20px;
}

.bank-name {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 26px;
    color: #0a3d91;
    text-transform: uppercase;
    letter-spacing: 1.5px;
}

.dots span {
    display: inline-block;
    width: 7px;
    height: 7px;
    margin-left: 6px;
    background: #0a3d91;
    border-radius: 50%;
    animation: blink 1.4s infinite both;
}

.dots span:nth-child(2) { animation-delay: 0.2s; }
.dots span:nth-child(3) { animation-delay: 0.4s; }

@keyframes blink {
    0% { opacity: 0.2; }
    20% { opacity: 1; }
    100% { opacity: 0.2; }
}




/* ===================== TOP HEADER BAR ===================== */
#top-header {
    position: fixed;
    top: 0;
    width: 100%;
    height: 40px; /* slightly taller to fit bigger text */
    background: #f8f9fa; /* light gray */
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 1rem;
    z-index: 10000;
    font-size: 13px;
    letter-spacing: 0.5px;
}

/* Left side */
#top-header .header-left {
    display: flex;
    align-items: center;
}

/* FDIC bigger and thicker */
#top-header .fdic {
    font-weight: 1000;           /* extra bold */
    font-size: 20px;            /* bigger */
    color: #0a3d91;             /* corporate blue */
    margin-right: 8px;
}

/* Text after FDIC slightly bolder and more readable */
#top-header .fdic-text {
    font-style: italic;
    color: #000;
    font-weight: 500;           /* medium weight */
    font-size: 13px;            /* slightly bigger */
}

/* Right side links */
#top-header .header-right a.header-link {
    color: #0a3d91;
    margin-left: 15px;
    text-decoration: none;
    font-weight: 600;
    font-size: 12px;
}

#top-header .header-right a.header-link:hover {
    text-decoration: underline;
}

/* ===================== RESPONSIVE ===================== */
@media (max-width: 768px) {
    #top-header {
        font-size: 11px;
        height: 35px;
        padding: 0 0.5rem;
    }
    #top-header .fdic {
        font-size: 14px;
    }
    #top-header .fdic-text {
        font-size: 11px;
    }
    #top-header .header-right {
        display: none; /* hide links on small screens */
    }
}

/* ===================== NAVBAR ===================== */
/* Smooth hide animation */
#desktop-navbar,
#mobile-navbar,
#top-header {
    transition: transform 0.4s ease;
}

.nav-hide {
    transform: translateY(-100%);
}


/* Nav links */
.navbar-nav .nav-link {
    color: #fff;         /* White text */
    font-weight: 700;    /* Bold */
    margin: 0 12px;
}

.navbar-nav .nav-link:hover {
    color: #cce0ff;      /* Light hover */
}

/* Dropdown menus */
.dropdown-menu {
    background-color: #0a3d91; /* Match navbar */
}

.dropdown-item {
    color: #fff;
    font-weight: 500;
}

.dropdown-item:hover {
    background-color: #0c4bb1; /* Slightly lighter blue */
}

/* Navbar Buttons */
.navbar .btn i {
    margin-right: 6px;
}

/* ===================== RESPONSIVE ===================== */
@media (max-width: 992px) {
    /* Collapse menu behavior */
    #navbar .navbar-nav {
        text-align: center;
        margin-top: 10px;
    }

    /* Navbar layout on small screens:
       - toggler (menu) left
       - logo center
       - buttons right */
    .navbar .navbar-toggler {
        order: 1;
    }
    .navbar-brand {
        order: 2;
        margin-left: auto;
        margin-right: auto;
    }
    .navbar .d-flex.ms-auto {
        order: 3;
    }
}
/* ================= DESKTOP NAVBAR ================= */
#desktop-navbar {
    position: fixed;
    top: 40px; /* EXACT height of top header */
    left: 0;
    width: 100%;
    background-color: #0a3d91;
    font-family: 'Montserrat', sans-serif;
    z-index: 1000;
    padding: 0.5rem 2rem;
}

/* ================== NAVBAR CONTAINER FLEX ================== */
.navbar-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
}

/* ================== LOGO LEFT ================== */
.navbar-logo a img {
    display: block;
}

/* ================== NAV LINKS CENTER ================== */
.navbar-nav {
    list-style: none;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 2px;       /* space between nav items */
    margin: 0;
    padding: 0;
    flex-grow: 1;     /* allows center section to expand */
}

/* Nav items */
.nav-item {
    position: relative; /* for dropdown */
}

/* Nav link */
.nav-link {
    color: #fff;
    font-weight: 700;
    font-size: 1rem;
    
    text-decoration: none;
    display: flex;
    align-items: center;
    cursor: pointer;
}

/* Arrow spacing */
.nav-link i {
    margin-left: 4px;
    font-size: 0.7rem;
}

/* Hover effect */
.nav-link:hover {
    color: #cce0ff;
}

/* ================== DROPDOWN MENU ================== */
.dropdown-menu {
    display: none;
    position: absolute;
    top: 100%;   /* dropdown appears below nav link */
    left: 0;
    background-color: #0a3d91;
    padding: 5px 0;
    border-radius: 4px;
    min-width: 140px;
    box-shadow: 0 2px 6px rgba(0,0,0,0.2);
    z-index: 1000;
}

.dropdown-menu li a {
    display: block;
    padding: 6px 12px;
    font-size: 0.8rem;
    color: #fff;
    text-decoration: none;
}

.dropdown-menu li a:hover {
    background-color: #0c4bb1;
}

/* Show dropdown on hover */
.nav-item.dropdown:hover .dropdown-menu {
    display: block;
}

/* ================== BUTTONS RIGHT ================== */
.navbar-buttons {
    display: flex;
    align-items: center;
    gap: 8px;
    
}

/* Buttons */
.btn {
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    width:120px;
    height:40px;
    border-radius: 4px;
    text-decoration: none;
    background-color: #fff;
    color: #0a3d91;
}

.btn i {
    margin-right: 5px;
}

.btn-outline {
    background-color: transparent;
    border: 1px solid #fff;
    color: #fff;
}

.btn:hover {
    opacity: 0.85;
}

.btn-outline:hover {
    background-color: #fff;
    color: #0a3d91;
}
/* HIDE MOBILE NAVBAR ON LARGE SCREENS */
#mobile-navbar {
    display: none;
}
/* ================= DESKTOP MEGA BAR ================= */

#mega-bar {
    position: fixed;
    top: 0;                 /* 🔥 Remove hard-coded spacing */
    left: 0;
    width: 100%;
    background: #acaaaa;
    padding: 30px 80px;
    display: none;
    z-index: 999;
}

.mega-container {
    display: flex;
    justify-content: center; /* center content */
}

/* FLEX ITEMS HORIZONTALLY */
/* FLEX DROPDOWN ITEMS NICELY SPACED */
.mega-section {
    display: none;
    flex-wrap: wrap;
    justify-content: center;
    gap: 150px;              /* ← increases space between items */
}

.mega-section a {
    color: #ffffff;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    padding: 10px 15px;     /* ← adds breathing space around each item */
    border-radius: 4px;
    transition: background 0.2s ease;
}

.mega-section a:hover {
    color:rgb(10, 77, 201);       /* subtle hover background */
}

/* ================= MOBILE NAVBAR ================= */
@media (max-width: 991px) {
    /* Show mobile navbar only on small screens */
    #mobile-navbar {
        display: block;
        position: fixed;
        top: 40px; /* below top header */
        width: 100%;
        background-color: #0a3d91;
        z-index: 10000;
    }

    .mobile-container {
        display: flex;
        justify-content: space-between;
        align-items: center;
        padding: 0.5rem 1rem;
    }

    /* Hamburger */
    .hamburger {
        background: none;
        border: none;
        color: #fff;
        font-size: 1.5rem;
        cursor: pointer;
    }

    /* Logo Center */
    .mobile-logo {
        position: absolute;
        left: 50%;
        transform: translateX(-50%);
    }

    /* Icon buttons right */
   .mobile-buttons {
    display: flex;
    gap: 12px;
}

.mobile-btn {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    color: #fff;
    font-size: 0.7rem;
    font-weight: 600;
}

.mobile-btn i {
    font-size: 1.3rem;
    margin-bottom: 3px;
}


    /* Mobile menu hidden by default */
.mobile-menu {
    position: fixed;
    top: 90px;
    left: -100%;
    width: 75%;
    height: calc(100vh - 90px); /* full height below navbar */
    background-color: #0a3d91;
    transition: left 0.3s ease-in-out;
    padding: 20px;
    z-index: 9999;

    overflow-y: auto;       /* ← enables vertical scroll */
}


    /* Mobile menu active */
    .mobile-menu.active {
        left: 0;
    }

    /* Menu links */
    .mobile-menu ul {
        list-style: none;
        padding: 0;
        margin: 0;
    }

    .mobile-menu ul li {
        margin-bottom: 15px;
    }

    .mobile-menu ul li a {
        color: #fff;
        text-decoration: none;
        font-weight: 700;
        font-size: 1rem;
        display: block;
    }
}
@media (max-width: 991px) {

    #desktop-navbar {
        display: none;
    }

    #mega-bar {
        display: none !important;
    }

    /* Make mobile nav bold */
.mobile-main-links li {
    border-bottom: 1px solid rgba(255,255,255,0.4);
}

.mobile-main-links li:last-child {
    border-bottom: none;
}

.mobile-main-links li a {
    font-weight: 800;
    font-size: 1.15rem;
    padding: 15px 0;
    display: block;
}
.mobile-extra-links {
    margin-top: 30px;
}

.mobile-extra-links li {
    border: none; /* remove line */
}

.mobile-extra-links li a {
    font-size: 0.9rem;   /* smaller */
    font-weight: 600;    /* lighter */
    opacity: 0.85;
    padding: 8px 0;
    display: block;
}



}
.navbar-logo {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 22px;
    color: #ffffff;
    text-decoration: none;
    letter-spacing: 1px;
    margin-right: 40px;

    white-space: nowrap;   /* 🔥 prevents line break */
    display: inline-flex;  /* keeps it stable */
    align-items: center;
}

.navbar-logo:hover {
    opacity: 0.85;
}
/* ===============================
   HERO SECTION
================================= */

#hero {
    position: relative;
    width: 100%;
    height: 100vh;
    margin-top: 80px; /* height of header + navbar */
    overflow: hidden;
}

/* Hero image */
.hero-image {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

/* Gradient overlay */
#hero::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(
        to right,
        rgba(0,0,0,0.75) 0%,
        rgba(0,0,0,0.5) 40%,
        rgba(0,0,0,0.2) 70%,
        rgba(0,0,0,0) 100%
    );
    z-index: 1;
}

/* ================= HERO CONTENT DESKTOP ================= */
.hero-content {
    position: absolute;
    top: 32%; /* moved up from 50% */
    left: 8%;
    transform: translateY(-42%);
    color: #fff;
    max-width: 650px;
    z-index: 2;
}

    .hero-content h1 {
        font-family: 'Montserrat', sans-serif;
        font-weight: 900;          /* EXTRA BOLD */
        font-size: 2.8rem;
        line-height: 1.2;
        letter-spacing: -0.5px;
        margin-bottom: 14px;
    }



/* Hero Paragraph */
.hero-content p {
    font-size: 1.1rem;
    font-weight: 500;
    margin-bottom: 30px;
}

/* Button Container */
.hero-buttons {
    display: flex;
    gap: 15px;
}

/* Base Button Style */
.hero-btn {
    padding: 12px 25px;
    font-weight: 700;
    text-decoration: none;
    border-radius: 4px;
    transition: 0.3s ease;
}

/* Primary Button */
.hero-btn.primary {
    background-color: #0a3d91;
    color: #ffffff;
}

.hero-btn.primary:hover {
    background-color: #072c6b;
}

/* Secondary Button */
.hero-btn.secondary {
    border: 2px solid #ffffff;
    color: #ffffff;
    background: transparent;
}

.hero-btn.secondary:hover {
    background-color: #ffffff;
    color: #0a3d91;
}

/* ===============================
   HERO MOBILE – LEFT ALIGNED
================================= */

@media (max-width: 991px) {

    #hero {
        margin-top: 80px; /* header + navbar */
        height: calc(100vh - 80px);
        display: flex;
        align-items: center;
        justify-content: flex-start; /* push content left */
        padding: 0 20px;
        text-align: left; /* LEFT ALIGN EVERYTHING */
    }

    .hero-content {
        position: relative;
        top: auto;
        left: auto;
        transform: none !important;
        max-width: 100%;
        width: 100%;
    }

    /* 🔥 Big Bold Heading */
    .hero-content h1 {
        font-family: 'Montserrat', sans-serif;
        font-weight: 900;          /* EXTRA BOLD */
        font-size: 1.8rem;
        line-height: 1.2;
        letter-spacing: -0.5px;
        margin-bottom: 14px;
    }

    /* Subtext */
    .hero-content p {
        font-size: 0.95rem;
        font-weight: 500;
        margin-bottom: 20px;
        max-width: 95%;
    }

    /* Buttons LEFT */
    .hero-buttons {
        display: flex;
        flex-direction: row;
        justify-content: flex-start; /* LEFT */
        gap: 10px;
    }

    .hero-btn {
        padding: 8px 16px;
        font-size: 0.8rem;
        font-weight: 700;
        border-radius: 3px;
    }
}
/* ===============================
   HERO FADE IN ANIMATION
================================= */

#hero {
    opacity: 0;
    transform: scale(1.02);
    transition: opacity 1s ease, transform 1.2s ease;
}

#hero.show {
    opacity: 1;
    transform: scale(1);
}

/* Text animation */
.hero-content {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 1s ease 0.4s, transform 1s ease 0.4s;
}

#hero.show .hero-content {
    opacity: 1;
    transform: none;
}

#hero::after {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;

    /* LEFT TO RIGHT GRADIENT */
    background: linear-gradient(
        to right,
        rgba(0, 0, 0, 0.75) 0%,
        rgba(0, 0, 0, 0.6) 35%,
        rgba(0, 0, 0, 0.3) 60%,
        rgba(0, 0, 0, 0) 100%
    );

    z-index: 1;
}
/* ===============================
   HOW CAN WE HELP YOU SECTION
================================= */

#help-section {
    padding: 80px 8%;
    background-color: #f7f9fc;
    font-family: 'Montserrat', sans-serif;
}

/* Section Title */
.help-title {
    font-size: 2rem;
    font-weight: 900;
    margin-bottom: 50px;
    color: #000;            /* Black */
    text-align: center;     /* Centered */
}

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

/* Each Item */
.help-item {
    display: flex;
    gap: 18px;
    align-items: flex-start;
    transition: transform 0.3s ease;
}

.help-item:hover {
    transform: translateX(5px);
}

/* Icon */
.help-icon {
    font-size: 1.8rem;
    color: #0a3d91;
    margin-top: 5px;
}

/* Content */
.help-content h3 {
    font-size: 1.1rem;
    font-weight: 800;
    margin-bottom: 8px;
}

/* Learn More */
.learn-more {
    font-size: 0.9rem;
    font-weight: 700;
    color: #0a3d91;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: all 0.3s ease;
}

.double-arrow {
    font-size: 1rem;
    transition: transform 0.3s ease;
}

.learn-more:hover .double-arrow {
    transform: translateX(5px);
}
/* ===============================
   MOBILE VERSION
================================= */

@media (max-width: 991px) {

    #help-section {
        padding: 60px 20px;
    }

    .help-title {
        font-size: 1.6rem;
        margin-bottom: 35px;
        text-align: center;
        color: #000;
    }

    /* 🔥 Two per row */
    .help-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 25px;
    }

    .help-item {
        gap: 12px;
    }

    .help-icon {
        font-size: 1.4rem;
    }

    .help-content h3 {
        font-size: 0.95rem;
        font-weight: 800;
    }

    .learn-more {
        font-size: 0.8rem;
    }
}

/* ==========================================
   GOALS SECTION (MAIN CONTAINER)
========================================== */

#goals-section {
    background-color: #6e6e6e; /* Ash background */
    padding: 80px 8%;
    font-family: 'Montserrat', sans-serif;
}

.goals-main-title {
    text-align: center;
    color: #fff;
    font-size: 2rem;
    font-weight: 900;
    margin-bottom: 50px;
}


/* ==========================================
   GENERIC ROW WRAPPER
========================================== */

.cards-row {
    margin-bottom: 40px; /* Reduced spacing between rows */
}

.cards-row:last-child {
    margin-bottom: 0;
}


/* ==========================================
   FIRST LARGE WHITE CARD
========================================== */

.goals-card {
    background: #fff;
    display: flex;
    align-items: center;
    gap: 40px;
    padding: 40px;
    border-radius: 6px;
}

.goals-image,
.goals-content {
    flex: 1;
}

.goals-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 4px;
}

.goals-content h3 {
    font-size: 1.4rem;
    font-weight: 900;
    color: #000;
    margin-bottom: 20px;
}

.goals-content p {
    font-size: 0.95rem;
    color: #000;
    line-height: 1.6;
    margin-bottom: 25px;
}

.read-more-btn {
    display: inline-block;
    padding: 10px 20px;
    border: 2px solid #0a3d91;
    color: #0a3d91;
    font-weight: 700;
    text-decoration: none;
    border-radius: 3px;
    transition: 0.3s ease;
}

.read-more-btn:hover {
    background-color: #0a3d91;
    color: #fff;
}


/* ==========================================
   SECOND ROW - TWO CARDS LAYOUT
========================================== */

.two-cards {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 30px;
}


/* ==========================================
   LEFT CARD (PERSONAL BANKING)
========================================== */

.card-large {
    display: flex;
    background: #fff;
    border-radius: 6px;
    overflow: hidden;
}

.card-image,
.card-content {
    flex: 1;
}

.card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.card-content {
    padding: 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.card-content h3 {
    font-weight: 900;
    margin-bottom: 15px;
}

.card-content p {
    margin-bottom: 25px;
}

.card-btn {
    display: inline-block;
    padding: 10px 22px;
    background-color:  #fff;
    color:#0a3d91;
    text-decoration: none;
    font-weight: 700;
    border-radius: 3px;
     border: 2px solid #0a3d91;
}
.card-btn:hover{
    background-color: #0a3d91;
    color: #fff;
}


/* ==========================================
   RIGHT CARD (RATE CARD)
========================================== */

.card-small {
    position: relative;
    border-radius: 6px;
    overflow: hidden;
    min-height: 320px; /* 🔥 Ensures proper height */
}

.card-small img {
    position: absolute;
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.card-small .overlay {
    position: absolute;
    inset: 0;
    background: rgba(10, 61, 145, 0.85);
}

.small-card-content {
    position: relative;
    z-index: 2;
    height: 100%;
    padding: 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    color: #fff;
}

.small-card-content h3 {
    font-weight: 800;
    margin-bottom: 15px;
}

.rate {
    font-size: 2.8rem;
    font-weight: 900;
    margin-bottom: 8px;
}

.apy {
    font-size: 0.85rem;
}
/* ==========================================
   MOBILE FIXES
========================================== */

@media (max-width: 991px) {

    #goals-section {
        padding: 60px 20px;
    }

    .goals-card {
        flex-direction: column;
        padding: 25px;
    }

    .two-cards {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .card-large {
        flex-direction: column;
    }

    .card-content {
        padding: 25px;
    }

    /* 🔥 Fix rate card height on mobile */
    .card-small {
        min-height: 280px;
    }

    .small-card-content {
        padding: 25px;
    }

    .rate {
        font-size: 2.2rem;
    }
}
/* ==========================================
   SMALL PLAIN CARD (NO IMAGE)
========================================== */

.card-small-plain {
    background: #fff;
    border-radius: 6px;
    padding: 40px;
    display: flex;
    align-items: center;
}

.plain-content h3 {
    font-weight: 900;
    margin-bottom: 15px;
}

.plain-content p {
    margin-bottom: 25px;
    font-size: 0.95rem;
    line-height: 1.6;
}

/* Outline Button */
.card-btn-outline {
    display: inline-block;
    padding: 10px 20px;
    border: 2px solid #0a3d91;
    color: #0a3d91;
    text-decoration: none;
    font-weight: 700;
    border-radius: 3px;
    transition: 0.3s ease;
}

.card-btn-outline:hover {
    background-color: #0a3d91;
    color: #fff;
}
@media (max-width: 991px) {

    .cards-row.two-cards {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .card-large {
        flex-direction: column;
    }

    .card-small-plain {
        padding: 25px;
    }
}
/* ==========================================
   REVERSED TWO CARD LAYOUT
   (Small left, Large right)
========================================== */

.two-cards-reverse {
    display: grid;
    grid-template-columns: 1fr 2fr; /* 🔥 Small first, Large second */
    gap: 30px;
}
.two-cards,
.two-cards-reverse {
    align-items: stretch;
}

.card-large,
.card-small-plain {
    height: 100%;
}
/* ===============================
   BLOG SECTION
================================ */

.blog-section {
    padding: 80px 8%;
    background: #e9e8e8;
}

.section-header {
    margin-bottom: 50px;
}

.section-header h2 {
    font-size: 32px;
    font-weight: 700;
    color: #000000;
}

.section-header p {
    color: #0073e6;
    font-weight: 600;
    margin-top: 5px;
}

/* ===============================
   GRID LAYOUT
================================ */

.blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

/* ===============================
   CARD STYLE
================================ */

.blog-card {
    background: #fff;
    border-radius: 10px;
    overflow: hidden;
    text-decoration: none;
    color: inherit;
    transition: all 0.35s ease;
    border: 1px solid transparent;
    display: block;
}

/* Image container */
.blog-image {
    overflow: hidden;
}

.blog-image img {
    width: 100%;
    height: 220px;
    object-fit: cover;
    transition: transform 0.5s ease;
}

/* Content */
.blog-content {
    padding: 25px;
}

.blog-content h3 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 15px;
    color: #002b5c;
}

.blog-content p {
    font-size: 14px;
    line-height: 1.6;
    color: #555;
}

/* ===============================
   HOVER EFFECT
================================ */

.blog-card:hover {
    transform: translateY(-6px);
    border: 1px solid #0073e6; /* Blue highlight border */
    box-shadow: 0 15px 30px rgba(0, 115, 230, 0.15);
}

.blog-card:hover img {
    transform: scale(1.1); /* Zoom effect */
}
@media (max-width: 992px) {
    .blog-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 600px) {
    .blog-grid {
        grid-template-columns: 1fr;
    }
}
/* FULL WIDTH BLACK UNDERLINE */
.full-underline {
    position: relative;
    padding-bottom: 10px;
}

/* This creates the full-width line */
.full-underline::after {
    content: "";
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    bottom: 0;
    width: 1300px;           /* 🔥 full viewport width */
    height: 2px;
    background: #000;       /* black line */
}
/* ==============================
   CONTACT OPTIONS SECTION
================================ */

.contact-options-section {
    padding: 80px 8%;
    background: #ffffff;
}

.contact-options {
    display: flex;
    justify-content: space-between;
    align-items: stretch;
    gap: 40px;
}

/* Each Option */
.contact-option {
    flex: 1;
    text-align: center;
    text-decoration: none;
    color: inherit;
    padding: 20px 15px;
    position: relative;
    transition: transform 0.3s ease;
}

/* Vertical Divider */
.contact-option:not(:last-child)::after {
    content: "";
    position: absolute;
    right: -20px;
    top: 15%;
    height: 70%;
    width: 1px;
    background: #ddd;
}

/* Icon Box */
.icon-box {
    width: 90px;
    height: 90px;
    margin: 0 auto 20px;
    border: 2px solid #ccc;  /* Ash border */
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

/* Icon */
.icon-box i {
    font-size: 36px;
    color: #555
}

/* Header */
.contact-option h3 {
    font-size: 20px;
    font-weight: 700;   /* Bold */
    color: #000;        /* Black */
    margin-bottom: 10px;
}

/* Text */
.contact-option p {
    font-size: 15px;
    color: #555;
    margin-bottom: 5px;
}

.contact-option span {
    font-size: 14px;
    color: #777;
}

/* ==============================
   HOVER EFFECT
================================ */

.contact-option:hover {
    transform: scale(1.05);
}

.contact-option:hover .icon-box {
    border-color: #0073e6;   /* Optional blue highlight */
}
/* =========================
   SECTION DIVIDER
========================= */

.section-divider {
    border: none;
    height: 1px;
    background: #ddd;
    margin: 60px 8%;
}

/* =========================
   DISCLOSURE SECTION
========================= */

.disclosure-section {
    padding: 60px 8%;
    background: #f9f9f9;
}

.disclosure-container {
    max-width: 1100px;
    margin: auto;
}

.disclosure-section h2 {
    font-size: 22px;
    font-weight: 700;
    color: #000;
    margin-bottom: 30px;
}

.disclosure-section p {
    font-size: 13px;
    line-height: 1.7;
    color: #555;
    margin-bottom: 18px;
}
/* ================= FOOTER ================= */
.footer {
  background: #111;
  color: #ccc;
  padding: 60px 8% 20px;
}

.footer-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 40px;
  margin-bottom: 40px;
}

.footer-logo {
  font-size: 28px;
  color: #fff;
  font-weight: 700;
  margin-bottom: 15px;
}

.footer-text {
  font-size: 14px;
  line-height: 1.6;
}

.footer-col h3 {
  color: #fff;
  margin-bottom: 20px;
  font-size: 18px;
}

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

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

.footer-col ul li a {
  text-decoration: none;
  color: #ccc;
  font-size: 14px;
  transition: 0.3s ease;
}

.footer-col ul li a:hover {
  color: #1e90ff;
  padding-left: 5px;
}

.footer-col p {
  font-size: 14px;
  margin-bottom: 10px;
}

.social-icons {
  margin-top: 15px;
}

.social-icons a {
  display: inline-block;
  margin-right: 10px;
  font-size: 16px;
  color: #ccc;
  transition: 0.3s ease;
}

.social-icons a:hover {
  color: #1e90ff;
  transform: translateY(-3px);
}

/* Bottom Bar */
.footer-bottom {
  border-top: 1px solid #333;
  text-align: center;
  padding-top: 20px;
  font-size: 13px;
}
/* ================= NAVBAR LOGO TEXT ================= */

/* Adjust logo spacing */

/* Prevent navbar links from breaking into two lines */
.navbar-nav .nav-link {
    white-space: nowrap;
   
}
/* Prevent logo text wrapping */
.mobile-logo a {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 18px;
    color: #ffffff;
    text-decoration: none;
    white-space: nowrap;
}

.mobile-logo a:hover {
    opacity: 0.85;
}
@media (max-width: 991px) {

    .two-cards-reverse {
        grid-template-columns: 1fr !important;
        gap: 20px;
    }

}
@media (max-width: 991px) {

    .contact-options-section {
        padding: 50px 20px; /* reduce side padding */
    }

    .contact-options {
        flex-direction: column;
        gap: 35px;
    }

    .contact-option {
        padding: 25px 10px;
    }

    /* Remove vertical divider on mobile */
    .contact-option::after {
        display: none;
    }

}
/*============END OF HOME PAGE=======*/

/* ==============================
   PERSONAL HERO SECTION
================================= */

.personal-hero {
    position: relative;
    width: 100%;
    height: 90vh;
    display: flex;
    align-items: center;
    padding: 0 8%;
    overflow: hidden;
    color: #fff;
}

/* Background Image */
.hero-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: 0;
}

/* Dark Overlay */
.hero-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.6); /* Dark readability layer */
    z-index: 1;
}

/* Content */
.personal-hero-content {
    position: relative;
    z-index: 2;
    max-width: 650px;
}

/* Sub Header */
.sub-header {
    font-size: 1rem;
    font-weight: 600;
    margin-bottom: 15px;
    color: #cce0ff;
}

/* Main Header */
.personal-hero h1 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 900;
    font-size: 2.2rem;
    line-height: 1.3;
    margin-bottom: 20px;
}

/* Text */
.hero-text {
    font-size: 1rem;
    margin-bottom: 30px;
    line-height: 1.6;
}

/* Button */
.hero-cta {
    display: inline-block;
    padding: 12px 25px;
    background-color: #0a3d91;
    color: #fff;
    text-decoration: none;
    font-weight: 700;
    border-radius: 4px;
    transition: 0.3s ease;
}

.hero-cta:hover {
    background-color: #072c6b;
}
@media (max-width: 991px) {

    .personal-hero {
        height: auto;
        padding: 120px 20px 80px;
    }

    .personal-hero h1 {
        font-size: 1.6rem;
    }

    .hero-text {
        font-size: 0.95rem;
    }

}
/* ===============================
   PRODUCTS SECTION
================================ */

.products-section {
    padding: 80px 8%;
    background: #f4f6f9;
}

.section-title {
    text-align: center;
    font-size: 28px;
    font-weight: 800;
    margin-bottom: 50px;
    color: #000;
}

/* Grid */
.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

/* Card */
.product-card {
    background: #fff;
    padding: 40px 30px;
    border-radius: 10px;
    text-align: center;
    transition: all 0.3s ease;
    border: 1px solid transparent;
}

/* Hover Effect */
.product-card:hover {
    transform: translateY(-8px);
    border-color: #0a3d91;
    box-shadow: 0 15px 30px rgba(10, 61, 145, 0.15);
}

/* Icon Circle */
.icon-circle {
    width: 80px;
    height: 80px;
    margin: 0 auto 20px;
    border-radius: 50%;
    border: 2px solid #ccc;   /* Ash border */
    display: flex;
    align-items: center;
    justify-content: center;
    transition: 0.3s ease;
}

.icon-circle i {
    font-size: 32px;
    color: #0a3d91;
}

/* Icon hover */
.product-card:hover .icon-circle {
    border-color: #0a3d91;
}

/* Heading */
.product-card h3 {
    font-weight: 800;
    margin-bottom: 20px;
}

/* List */
.product-card ul {
    list-style: none;
    padding: 0;
    margin-bottom: 25px;
}

.product-card ul li {
    font-size: 14px;
    margin-bottom: 8px;
    color: #555;
}

/* Link */
.product-link {
    display: inline-block;
    font-weight: 700;
    color: #0a3d91;
    text-decoration: none;
    transition: 0.3s ease;
}

.product-link:hover {
    text-decoration: underline;
}
@media (max-width: 991px) {

    .products-grid {
        grid-template-columns: 1fr;
    }

    .product-card {
        padding: 30px 20px;
    }

}
/* ===============================
   ONLINE BANKING SECTION
================================ */

.online-banking-section {
    position: relative;
    padding: 100px 8%;
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Background Image */
.banking-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    filter: blur(4px);
    transform: scale(1.1);
    z-index: 0;
}

/* Overlay */
.banking-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.55);
    z-index: 1;
}

/* Content Wrapper */
.banking-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 40px;
    max-width: 1100px;
    width: 100%;
}

/* Card Base */
.banking-card {
    background: #fff;
    padding: 40px;
    border-radius: 10px;
    box-shadow: 0 15px 30px rgba(0,0,0,0.15);
}

/* Small Card */
.small-card {
    align-self: center;
}

.banking-subheader {
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 10px;
    color: #0a3d91;
}

.small-card h3 {
    font-size: 20px;
    font-weight: 800;
    line-height: 1.4;
}

/* Large Card */
.large-card h2 {
    font-weight: 900;
    margin-bottom: 15px;
}

.blue-heading {
    color: #0a3d91;
}

.large-card p {
    margin-bottom: 25px;
    line-height: 1.6;
    color: #555;
}

/* Button */
.banking-btn {
    display: inline-block;
    padding: 12px 25px;
    background-color: #0a3d91;
    color: #fff;
    text-decoration: none;
    font-weight: 700;
    border-radius: 4px;
    transition: 0.3s ease;
}

.banking-btn:hover {
    background-color: #072c6b;
}
@media (max-width: 991px) {

    .banking-content {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .banking-card {
        padding: 30px 20px;
    }

}
/* ===============================
   CONTACT HEADER SECTION
================================ */

.contact-header {
    padding: 100px 8% 60px;
    background: #f4f6f9;
}

.contact-header-content {
    max-width: 700px;
}

.contact-header h1 {
    font-size: 36px;
    font-weight: 900;
    margin-bottom: 15px;
    color: #000;
}

.contact-subheader {
    font-size: 18px;
    font-weight: 600;
    color: #0a3d91; /* Blue */
}
@media (max-width: 991px) {

    .contact-header {
        padding: 80px 20px 40px;
    }

    .contact-header h1 {
        font-size: 28px;
    }

    .contact-subheader {
        font-size: 16px;
    }

}
/* ===============================
   CONTACT SECTION
================================ */

.contact-section {
    padding: 80px 8%;
    background: #f4f6f9;
    padding-top: 180px; /* adjust depending on navbar height */
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 50px;
    align-items: stretch; /* 🔥 Important */
}

/* LEFT IMAGE */
.contact-image img {
    width: 100%;
    border-radius: 10px;
    object-fit: cover;
}
/* LEFT IMAGE WRAPPER */
.contact-image {
    height: 100%;
}

/* IMAGE */
.contact-image img {
    width: 100%;
    height: 100%;          /* 🔥 makes it match form height */
    object-fit: cover;     /* prevents distortion */
    border-radius: 10px;
}
/* FORM SIDE */
.contact-form h3 {
    font-weight: 800;
    margin-bottom: 30px;
}

.contact-form form {
    display: flex;
    flex-direction: column;
}

/* Form Rows */
.form-row {
    display: flex;
    gap: 20px;
    margin-bottom: 20px;
}

.form-row input {
    flex: 1;
}

/* Form Group */
.form-group {
    margin-bottom: 20px;
    display: flex;
    flex-direction: column;
}

.form-group label {
    font-weight: 600;
    margin-bottom: 8px;
    font-size: 14px;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
    padding: 12px 15px;
    border: 1px solid #ddd;
    border-radius: 4px;
    font-size: 14px;
    outline: none;
    transition: 0.3s ease;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
    border-color: #0a3d91;
}

/* BUTTON */
.contact-btn {
    padding: 12px 20px;
    background-color: #0a3d91;
    color: #fff;
    border: none;
    font-weight: 700;
    border-radius: 4px;
    cursor: pointer;
    transition: 0.3s ease;
}

.contact-btn:hover {
    background-color: #072c6b;
}
@media (max-width: 991px) {

    .contact-container {
        grid-template-columns: 1fr;
    }

    .form-row {
        flex-direction: column;
    }
    .contact-section{
        padding-top: 150px; /* adjust depending on navbar height */
    }

}
/* ==============================
   FAQ SECTION
================================= */

/* FIRST FAQ SECTION ONLY */
.faq-section:first-of-type {
    padding: 180px 8% 60px; /* space below navbar */
}

/* ALL OTHER FAQ SECTIONS */
.faq-section {
    padding: 60px 8% 60px;
}

.faq-header {
    font-size: 32px;
    font-weight: 900;
    margin-bottom: 40px;
    color: #000;
    text-align: left;   /* 🔥 force left */
}

.faq-item {
    border-bottom: 1px solid #ddd;
    margin-bottom: 15px;
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    font-size: 18px;
    font-weight: 700;
    padding: 15px 0;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.faq-question:hover {
    color: #0a3d91;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.faq-answer p {
    padding: 10px 0 20px;
    margin: 0;
    color: #555;
}

.faq-item.active .faq-answer {
    max-height: 200px; /* enough space for content */
}

.faq-item.active .icon {
    transform: rotate(45deg); /* turns + into x */
    transition: 0.3s ease;
}
/* =========================
   FAQ CALL TO ACTION
========================= */

.faq-cta {
    background: #383838; /* light grey */
    padding: 80px 8%;
}

.faq-cta-container {
    display: flex;
    align-items: stretch; /* 🔥 makes icon stretch full height */
    gap: 60px;
}

/* ICON SIDE */
.faq-cta-icon {
    display: flex;
    align-items: center;
    justify-content: center;
}

.faq-cta-icon i {
    font-size: 80px;
    color: #0a3d91;
    background: #e6ecf8;
    width: 180px;
    height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
}

/* CONTENT SIDE */
.faq-cta-content {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.faq-cta-content h2 {
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 20px;
    color: #ffffff;
}

.faq-cta-content p {
    font-size: 17px;
    color: #ffffff;
    margin-bottom: 30px;
    max-width: 600px;
}

.faq-cta-btn {
    display: inline-block;
    padding: 12px 28px;
    background: #f1ee0e;
    color: #000000;
    font-weight: 600;
    text-decoration: none;
    border-radius: 4px;
    transition: 0.3s ease;
}

.faq-cta-btn:hover {
    background:#8f8d09;
}
@media (max-width: 768px) {

    .faq-cta-container {
        flex-direction: column;
        text-align: center;
        gap: 30px;
    }

    .faq-cta-icon i {
        font-size: 100px;
    }

    .faq-cta-content p {
        margin: 0 auto 25px;
    }
}
/* ==============================
   ABOUT HERO WITH IMAGE
================================= */


/* HERO SECTION */
.about-hero {
    position: relative;
    height: 90vh;
    display: flex;
    align-items: center;
    padding: 0 8%;
    overflow: hidden;
    color: #fff;
}

/* Background Image */
.about-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: 0;
}

/* Dark Overlay */
.about-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    z-index: 1;
}

/* Content */
.about-hero-content {
    position: relative;
    z-index: 2;
    max-width: 700px;
}

.about-hero h1 {
    font-size: 48px;
    font-weight: 900;
    margin-bottom: 20px;
}

.about-hero p {
    font-size: 18px;
    line-height: 1.6;
}

/* Dark overlay for readability */
.about-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
}

/* Content */
.about-hero-content {
    position: relative;
    max-width: 700px;
    z-index: 2;
}

.about-hero h1 {
    font-size: 48px;
    font-weight: 900;
    margin-bottom: 20px;
    line-height: 1.2;
}

.about-hero p {
    font-size: 18px;
    line-height: 1.6;
    font-weight: 400;
}
/* ==============================
   GENERAL ABOUT SECTIONS
================================= */

.about-section {
    padding: 100px 8%;
}

.about-section h2 {
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 25px;
    color: #0a3d91;
}

.about-section p {
    font-size: 16px;
    line-height: 1.8;
    color: #555;
    margin-bottom: 20px;
}

/* Light Background Variation */
.light-bg {
    background: #f5f7fa;
}

/* Values List */
.values-list {
    list-style: none;
    padding: 0;
}

.values-list li {
    font-size: 16px;
    margin-bottom: 15px;
    padding-left: 20px;
    position: relative;
}

.values-list li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: #0a3d91;
    font-weight: bold;
}
/* ==============================
   ABOUT CTA
================================= */

.about-cta {
    padding: 100px 8%;
    background: linear-gradient(to right, #515255, #3f3f41);
    text-align: center;
    color: #fff;
}

.about-cta h2 {
    font-size: 34px;
    font-weight: 800;
    margin-bottom: 20px;
}

.about-cta p {
    font-size: 17px;
    max-width: 700px;
    margin: 0 auto 30px;
    line-height: 1.6;
}

.cta-btn {
    display: inline-block;
    padding: 14px 35px;
    background: #b1cf06;
    color: #000000;
    font-weight: 700;
    text-decoration: none;
    border-radius: 4px;
    transition: 0.3s ease;
}

.cta-btn:hover {
    background: #819704;
}

/* =========================
   PERSONAL BANKING SECTION
========================= */

/* PERSONAL INTRO SECTION */

.personal-intro {
    padding: 180px 60px 20px 60px;
}
/* HEADER */
.section-title-left {
    font-size: 38px;
    font-weight: 900;
    margin-bottom: 30px;
    color: #000;
    text-align: left; /* ensure left */
}

/* TEXT */
.section-text {
    font-size: 18px;
    line-height: 1.9;
    color: #333;
  max-width: 1200px;
width: 100%;
    text-align: left; /* ensure left */
}
.personal-wrapper {
    max-width: 1200px;
    margin: 0;          /* 🔥 removes centering */
    padding: 0;
}
/* =========================
   ONLINE BANKING IMAGE SECTION
========================= */

.personal-online {
    position: relative;
    height: 90vh;
    display: flex;
    align-items: center;
    padding: 0 8%;
    color: #fff;
    overflow: hidden;
    
}

/* Background Image */
.online-bg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    z-index: 0;
}

/* Dark Overlay */
.online-overlay {
    position: absolute;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    z-index: 1;
}

/* Content */
.online-content {
    position: relative;
    z-index: 2;
    max-width: 700px;
}

.sub-header {
    font-size: 18px;
    font-weight: 600;
    margin-bottom: 18px;
    color: #cce0ff;
}

.main-header {
    font-size: 46px;     /* increased */
    font-weight: 900;
    margin-bottom: 25px;
    line-height: 1.2;
}

.online-content p {
    font-size: 20px;     /* increased */
    line-height: 1.7;
    margin-bottom: 35px;
}

/* Button */
.online-btn {
    display: inline-block;
    padding: 14px 30px;
    background: #c9df05;
    color: #000000;
    text-decoration: none;
    font-weight: 700;
    border-radius: 4px;
    transition: 0.3s ease;
}

.online-btn:hover {
    background: #9bac06;
}
/* ==========================================
   BORROWING PAGE - HERO SECTION
========================================== */

/* Main section wrapper */
.borrowing-hero {
    padding: 140px 6% 80px;   /* top | left/right | bottom */
    background: #ffffff;
}

/* Container width */
.borrowing-container {
    max-width: 1100px;   /* wider so text stretches nicely */
}

/* ==========================================
   BREADCRUMB (Home / Personal / Borrowing)
========================================== */
/* ==========================================
   BORROWING PAGE - HERO SECTION
========================================== */

.borrowing-hero {
    padding: 140px 6% 80px;
    background: #ffffff;
}

/* Container */
.borrowing-container {
    max-width: 1100px;
}

/* ==========================================
   BREADCRUMB
========================================== */

.breadcrumb {
    font-family: 'Poppins', sans-serif;
    font-size: 12px;
    font-weight: 400;   /* bold but not too heavy */
    margin-bottom: 30px;
    color: #444;
    
}

.breadcrumb a {
    text-decoration: none;
    color: #000;
    font-weight: 700;   /* stronger links */
    transition: color 0.3s ease;
}

.breadcrumb a:hover {
    color: #0056d2;   /* banking blue hover */
}

/* ==========================================
   MAIN HEADING
========================================== */

.borrowing-title {
    font-family: 'Poppins', sans-serif;
    font-size: 64px;
    font-weight: 500;   /* strong bold */
    margin-bottom: 30px;
    color: #000;
    letter-spacing: -1px;
}

/* ==========================================
   DESCRIPTION TEXT
========================================== */

.borrowing-text {
    font-family: 'Poppins', sans-serif;
    font-size: 20px;
    font-weight: 400;
    line-height: 1.9;
    color: #333;
    max-width: 1400px;  /* limits width on large screens */
    width: 100%;        /* allows shrinking on mobile */
}
/* Breadcrumb wrapper */
.breadcrumb {
    display: flex;
    align-items: center;
    font-family: 'Poppins', sans-serif;
    font-size: 12px;
    font-weight: 300;
    gap: 10px;   /* 🔥 adds space between items */
}

/* Separator spacing */
.separator {
    color: #999;
    font-weight: 500;
}
/* ==========================================
   RESPONSIVE DESIGN - BORROWING PAGE
========================================== */

/* ---------- Large Tablets (≤ 992px) ---------- */
@media (max-width: 992px) {

    .borrowing-hero {
        padding: 120px 5% 70px;
    }

    .borrowing-title {
        font-size: 48px;
    }

    .borrowing-text {
        font-size: 18px;
        line-height: 1.8;
    }

    .breadcrumb {
        font-size: 15px;
        gap: 12px;
    }
}


/* ---------- Tablets (≤ 768px) ---------- */
@media (max-width: 768px) {

    .borrowing-hero {
        padding: 100px 25px 60px;
    }

    .borrowing-title {
        font-size: 38px;
    }

    .borrowing-text {
        font-size: 17px;
    }

    .breadcrumb {
        font-size: 14px;
        gap: 10px;
        flex-wrap: wrap; /* prevents overflow */
    }
}


/* ---------- Mobile (≤ 576px) ---------- */
@media (max-width: 576px) {

    .borrowing-hero {
        padding: 90px 20px 50px;
    }

    .borrowing-title {
        font-size: 30px;
        line-height: 1.2;
    }

    .borrowing-text {
        font-size: 16px;
        line-height: 1.7;
    }

    .breadcrumb {
        font-size: 13px;
        gap: 8px;
    }
}


/* ---------- Small Mobile (≤ 400px) ---------- */
@media (max-width: 400px) {

    .borrowing-title {
        font-size: 26px;
    }

    .borrowing-text {
        font-size: 15px;
    }
}

/* Section */
.loan-section {
    padding: 80px 8%;
    background: #f4f6f9;
}

.loan-container {
    display: flex;
    flex-direction: column;
    gap: 50px;
}

/* Card */
.loan-card {
    display: flex;
    align-items: center;
    background: #fff;
    border-radius: 10px;
    overflow: hidden;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    height:400px;
}

/* Reverse layout */
.loan-card.reverse {
    flex-direction: row-reverse;
}

/* Image */
.loan-image {
    flex: 1;
    overflow: hidden;
}

.loan-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.5s ease;
}

/* Zoom */
.loan-image:hover img {
    transform: scale(1.1);
}

/* Content */
.loan-content {
    flex: 1;
    padding: 40px;
}

.loan-content h3 {
    font-size: 40px;
    font-weight: 950;
    margin-bottom: 15px;
}

.short-text {
    margin-bottom: 15px;
}

/* Hidden content */
.extra-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.5s ease;
}

/* Active state */
.loan-card.active .extra-content {
    max-height: 400px;
    margin-top: 15px;
    height:400px
}

/* Buttons */
.learn-btn,
.close-btn {
    background: none;
    border: none;
    color: #0a3d91;
    font-weight: 600;
    cursor: pointer;
    margin-top: 10px;
}

.apply-btn {
    display: inline-block;
    margin-top: 15px;
    padding: 10px 20px;
    background: #0a3d91;
    color: #fff;
    text-decoration: none;
    border-radius: 4px;
    font-weight: 600;
}
/* ================= MORTGAGE SECTION ================= */

.mortgage-section {
    padding: 80px 8%;
    background: #f4f6f9;
}

.mortgage-container {
    display: grid;
    grid-template-columns: repeat(3, 1fr); /* 3 per row */
    gap: 30px;
}

/* Card */
.mortgage-card {
    background: #fff;
    border-radius: 8px;
    overflow: hidden;
    transition: 0.3s ease;
    box-shadow: 0 5px 20px rgba(0,0,0,0.08);
    min-height: 350px;
}

/* Image */
.mortgage-image {
    overflow: hidden;
}

.mortgage-image img {
    width: 100%;
    height: 220px;
    object-fit: cover;
    transition: transform 0.5s ease;
}

/* Zoom on hover */
.mortgage-card:hover img {
    transform: scale(1.1);
}

/* Content */
.mortgage-content {
    padding: 25px;
    
}

.mortgage-content h3 {
    font-weight: 800;
    margin-bottom: 15px;
}

.mortgage-content p {
    font-size: 14px;
    line-height: 1.6;
    color: #555;
    margin-bottom: 15px;
}

/* Buttons */
.learn-btn {
    background: none;
    border: none;
    background-color: #0a3d91;
    color:white;
    font-weight: 700;
    cursor: pointer;
    margin-bottom: 10px;
    height:60px;
    width:170px;
}

.learn-btn:hover {
    text-decoration: underline;
}

.apply-btn {
    display: inline-block;
    margin-top: 10px;
    padding: 10px 20px;
    background: #0a3d91;
    color: #fff;
    text-decoration: none;
    border-radius: 4px;
    font-weight: 700;
}

/* Hidden Content */
.more-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.mortgage-card.active .more-content {
    max-height: 500px;
}


/* ================= RESPONSIVE ================= */

@media (max-width: 991px) {
    .mortgage-container {
        grid-template-columns: repeat(2, 1fr); /* 2 per row */
    }
}

@media (max-width: 600px) {
    .mortgage-container {
        grid-template-columns: 1fr; /* 1 per row */
    }
}

.business-services-list {
    margin-top: 60px;
}

.service-item {
    margin-bottom: 45px;
}

.service-item h2 {
    font-size: 22px;
    font-weight: 600;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 12px;
    color:#023883;
}

.service-icon {
    font-size: 20px;
    color: #023883;
}

.service-item div {
    line-height: 1.8;
    color: #555;
}

.commercial-tools {
    padding: 80px 8%;
    background: #f4f6f9;
    font-family: 'Poppins', sans-serif;
}

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

.tool-card {
    background: #ffffff;
    padding: 35px;
    border-radius: 10px;
    transition: 0.3s ease;
    box-shadow: 0 8px 20px rgba(0,0,0,0.05);
}

.tool-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 30px rgba(0,0,0,0.08);
}

.tool-icon {
    font-size: 28px;
    color: #0a3d91;
    margin-bottom: 15px;
    font-weight: 800;
}

.tool-card h3 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 12px;
}

.tool-card p {
    font-size: 14px;
    line-height: 1.7;
    color: #555;
}
@media (max-width: 992px) {

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

}

@media (max-width: 600px) {

    .tools-grid {
        grid-template-columns: 1fr;
    }

}

/* =========================
   INVESTMENT SECTION
========================= */

/* =====================================================
   INVESTMENT SECTION
===================================================== */

.investment-section {
    background: #f5f7fb;
    padding: 70px 20px;
}

/* Centered content wrapper */
.investment-wrapper {
    max-width: 1200px;
    margin: 0 auto;
}

/* =====================================================
   ROW LAYOUT
===================================================== */

.investment-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin-bottom: 50px;
}

/* =====================================================
   CARD BASE
===================================================== */

.investment-card {
    background: #ffffff;
    border-radius: 12px;
    box-shadow: 0 8px 25px rgba(0,0,0,0.08);
    overflow: hidden;
    transition: all 0.3s ease;
    min-height: 360px;
    display: flex;
}

/* Slight lift on hover */
.investment-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 12px 35px rgba(0,0,0,0.12);
}

/* =====================================================
   SHORT CARD
===================================================== */

.short-card {
    padding: 45px 35px;
    flex-direction: column;
    justify-content: center;
}

/* =====================================================
   LONG CARD (Image + Content)
===================================================== */

.long-card {
    flex-direction: row;
}

.card-image {
    width: 45%;
}

.card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.long-card .card-body {
    width: 55%;
    padding: 45px 35px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

/* =====================================================
   CONTENT STYLING
===================================================== */

.card-body h3 {
    font-size: 1.3rem;
    font-weight: 800;
    margin-bottom: 18px;
    letter-spacing: 0.3px;
    color: #111;
}

.card-body p {
    font-size: 0.95rem;
    line-height: 1.7;
    color: #444;
    margin-bottom: 25px;
}

/* =====================================================
   BUTTON
===================================================== */

/* ================= BUTTON ================= */

.invest-btn {
    padding: 12px 26px;
    background: #0a3d91;
    color: #fff;
    border: none;
    font-weight: 700;
    border-radius: 5px;
    cursor: pointer;
    transition: all 0.3s ease;
}

.invest-btn:hover {
    background: #062d6b;
    transform: translateY(-2px);
}
/* =====================================================
   DROPDOWN CONTENT
===================================================== */


.invest-more {
    max-height: 0;
    overflow: hidden;
    opacity: 0;
    transition: max-height 0.45s ease, opacity 0.3s ease;
}

.investment-card.active .invest-more {
    max-height: 600px;
    opacity: 1;
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px solid #e5e5e5;
}
/* =====================================================
   RESPONSIVE DESIGN
===================================================== */

@media (max-width: 992px) {

    .investment-row {
        grid-template-columns: 1fr;
    }

    .long-card {
        flex-direction: column;
    }

    .card-image,
    .long-card .card-body {
        width: 100%;
    }

    .investment-card {
        min-height: auto;
    }
}















/* ==================================================
   GLOBAL RESPONSIVE SYSTEM
   Place this at the VERY END of your CSS
================================================== */


/* ================= LARGE TABLETS (≤ 1200px) ================= */
@media (max-width: 1200px) {

    .section-text,
    .personal-wrapper {
        max-width: 100%;
    }

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

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


/* ================= TABLETS (≤ 991px) ================= */
@media (max-width: 991px) {

    /* Global section padding */
    section,
    .about-section,
    .products-section,
    .blog-section,
    .contact-section,
    .disclosure-section,
    .contact-options-section {
        padding-left: 20px !important;
        padding-right: 20px !important;
    }

    /* Fix any large fixed widths */
    .section-text {
        width: 100% !important;
        max-width: 100% !important;
    }

    /* Grid systems collapse */
    .help-grid,
    .blog-grid,
    .products-grid,
    .two-cards,
    .two-cards-reverse,
    .contact-container,
    .banking-content {
        grid-template-columns: 1fr !important;
    }

    /* Flex layouts stack */
    .goals-card,
    .card-large,
    .contact-options,
    .faq-cta-container {
        flex-direction: column !important;
    }

    /* Hero sections auto height */
    #hero,
    .personal-hero,
    .about-hero,
    .personal-online {
        height: auto;
        padding: 120px 20px 80px;
    }

    /* Reduce large headings */
    h1 {
        font-size: 1.8rem !important;
    }

    h2 {
        font-size: 1.5rem !important;
    }

    h3 {
        font-size: 1.1rem !important;
    }

    /* Buttons scale */
    .btn,
    .hero-btn,
    .banking-btn,
    .contact-btn,
    .cta-btn {
        width: 100%;
        text-align: center;
    }

}


/* ================= SMALL MOBILE (≤ 576px) ================= */
@media (max-width: 576px) {

    body {
        font-size: 14px;
    }

    /* Smaller hero text */
    .hero-content h1,
    .personal-hero h1,
    .about-hero h1,
    .main-header {
        font-size: 1.5rem !important;
        line-height: 1.2;
    }

    .hero-content p,
    .hero-text,
    .about-hero p {
        font-size: 0.9rem !important;
    }

    /* Reduce card padding */
    .product-card,
    .banking-card,
    .goals-card,
    .card-small-plain,
    .contact-form {
        padding: 20px !important;
    }

    /* Remove large gaps */
    .help-grid,
    .blog-grid {
        gap: 20px;
    }

    /* Make underline responsive */
    .full-underline::after {
        width: 100% !important;
    }

}


/* ================= EXTRA SMALL (≤ 400px) ================= */
@media (max-width: 400px) {

    h1 {
        font-size: 1.3rem !important;
    }

    .rate {
        font-size: 1.8rem !important;
    }

}
/* ===============================
   LOAN CARDS - RESPONSIVE
================================= */

/* Tablets */
@media (max-width: 991px) {

    /* Stack image and text vertically */
    .loan-card,
    .loan-card.reverse {
        flex-direction: column;
    }

    /* Give image fixed height on mobile */
    .loan-image {
        width: 100%;
        height: 250px;
    }

    /* Reduce padding for better spacing */
    .loan-content {
        padding: 30px;
    }
}


/* Small Mobile */
@media (max-width: 576px) {

    .loan-content h3 {
        font-size: 18px;
    }

    .loan-content p {
        font-size: 14px;
    }

    /* Button becomes full width */
    .loan-btn {
        width: 100%;
        text-align: center;
    }

}
/* ===============================
   LOAN CARDS RESPONSIVE
================================= */

@media (max-width: 991px) {

    .loan-section {
        padding: 60px 20px;
    }

    .loan-container {
        gap: 35px;
    }

    /* Stack image above text */
    .loan-card,
    .loan-card.reverse {
        flex-direction: column;
    }

    /* Image height on tablet */
    .loan-image {
        height: 260px;
    }

    .loan-content {
        padding: 25px;
    }

    .loan-content h3 {
        font-size: 20px;
    }

    .short-text {
        font-size: 14px;
    }
}


@media (max-width: 576px) {

    .loan-section {
        padding: 50px 15px;
    }

    .loan-image {
        height: 220px;
    }

    .loan-content {
        padding: 20px;
    }

    .loan-content h3 {
        font-size: 18px;
    }

    .learn-btn,
    .close-btn {
        font-size: 14px;
    }

    .apply-btn {
        width: 100%;
        text-align: center;
    }
}



/* Form Titles */

/* Only push the top form heading down */
.container h1 {
    font-weight: bold;
    margin-bottom: 10px;
    color: #062d6b; /* Blue color for titles */
    padding-bottom: 5px;
    margin-top: 120px; /* space from navbar */
}

/* h2 headings inside the form */
.container h2 {
    font-weight: bold;
    margin-bottom: 10px;
    color: #062d6b; /* Blue color for subheadings */
    padding-bottom: 5px;
    margin-top: 20px; /* normal spacing */
}

/* Form Fields */
.form-field {
    margin-bottom: 25px;
    margin-top: 20px;
}

/* Labels (Field Titles like First Name) */
.form-field label {
    display: block;
    font-weight: bold;
    margin-bottom: 3px;
    color: #0645ad; /* Blue for labels */
}

/* Inputs and Selects */
.form-field input,
.form-field select {
    width: 100%;
    padding: 5px 0;
    border: none;
    border-bottom: 1px solid #000;
    outline: none;
    font-size: 14px;
    box-sizing: border-box;
}

/* Question mark positioning */
.label-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.help-btn {
    cursor: pointer;
    color: #0645ad;
    font-weight: bold;
    font-size: 16px;
}

/* Help Box */
.help-box {
    display: none;
    background: #f3f3f3;
    padding: 10px;
    margin-top: 5px;
    border-left: 3px solid #0645ad;
}

/* ID Upload Grid */
.id-upload-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
}

/* Government-issued Photo ID Section */
.info-section {
    width: 100%;
    padding: 15px;
    box-sizing: border-box;
    margin-bottom: 20px;
    background-color: #eff1f5fb;
}

/* Important Information Box */
.important {
    background-color: #0645ad; /* Blue background */
    color: white;
    padding: 15px;
    width: 100%;
    box-sizing: border-box;
    border-radius: 5px;
    margin-bottom: 20px;
}

.important h2 {
    color: white;
}

/* Submit and Back Buttons */
.submit-area {
    margin-top: 20px;
    display: flex;
    gap: 10px;
}

.submit-area button {
    padding: 10px 20px;
    font-size: 16px;
    cursor: pointer;
    border: none;
    border-radius: 5px;
    transition: all 0.3s;
}

.submit-area button[type="submit"] {
    background-color: #062d6b; /* Dark blue */
    color: white;
}

.submit-area button[type="submit"]:hover {
    background-color: #0645ad; /* Lighter blue on hover */
}

.back-button {
    background-color: #ccc;
    color: #000;
}

.back-button:hover {
    background-color: #aaa;
    color: #fff;
}
/* Responsive Styles */
@media (max-width: 768px) {
    /* Reduce container padding and width */
    .container {
        padding: 10px;
        margin: 10px auto;
    }

    /* Make ID upload grid stack vertically on small screens */
    .id-upload-grid {
        grid-template-columns: 1fr;
        gap: 10px;
    }

    /* Reduce margins on form fields */
    .form-field {
        margin-top: 15px;
        margin-bottom: 20px;
    }

    /* Make submit/back buttons full width */
    .submit-area {
        flex-direction: column;
        gap: 10px;
    }

    .submit-area button {
        width: 100%;
        font-size: 16px;
    }

    /* Important box width adjustment */
    .important {
        width: 100%;
        padding: 10px;
    }

    /* Government ID section adjustment */
    .info-section {
        padding: 10px;
    }

    /* Adjust help box font size */
    .help-box {
        font-size: 14px;
        padding: 8px;
    }
}

.notification{
position:fixed;
top:20px;
right:20px;
padding:15px 25px;
color:#fff;
font-weight:bold;
border-radius:6px;
display:none;
z-index:999999;
}

.notification.success{
background:#2ecc71;
}

.notification.error{
background:#e74c3c;
}
/*


1.sign up page & book appointment page and connect them
2.find out what rto do with article section
TOTAL PAGES=(2 PAGES)
3.domain and email
4.active nav