/* =====================================================
   GarantPay Bank — Main Stylesheet
   ===================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

/* ── Variables ── */
:root {
    --green:       #00695C;
    --green-light: #00897B;
    --green-dark:  #004D40;
    --green-soft:  #E0F2F1;
    --gold:        #F59E0B;
    --gold-light:  #FEF3C7;
    --blue:        #2563EB;
    --blue-light:  #EFF6FF;
    --purple:      #7C3AED;
    --purple-light:#F5F3FF;
    --red:         #DC2626;
    --red-light:   #FEE2E2;
    --dark:        #0B1426;
    --dark-2:      #1C2A3A;
    --text:        #111827;
    --text-2:      #4B5563;
    --text-3:      #9CA3AF;
    --border:      #E5E7EB;
    --bg:          #F7F8FA;
    --white:       #FFFFFF;
    --shadow-sm:   0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
    --shadow:      0 4px 16px rgba(0,0,0,.08);
    --shadow-lg:   0 12px 40px rgba(0,0,0,.12);
    --shadow-xl:   0 24px 64px rgba(0,0,0,.15);
    --r-sm:  10px;
    --r-md:  16px;
    --r-lg:  24px;
    --r-xl:  32px;
    --transition: .22s cubic-bezier(.4,0,.2,1);
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea { font-family: inherit; outline: none; }
ul { list-style: none; }

/* ── Container ── */
.container {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ── Section ── */
.section { padding: 96px 0; }

.section-header { text-align: center; margin-bottom: 60px; }
.section-header.light { text-align: center; margin-bottom: 60px; }

.section-tag {
    display: inline-block;
    background: var(--green-soft);
    color: var(--green-dark);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    padding: 6px 16px;
    border-radius: 100px;
    margin-bottom: 16px;
}
.section-tag.white {
    background: rgba(255,255,255,.15);
    color: rgba(255,255,255,.9);
}

.section-title {
    font-size: clamp(28px, 4vw, 44px);
    font-weight: 800;
    line-height: 1.2;
    color: var(--text);
    margin-bottom: 16px;
}
.section-title.white { color: var(--white); }

.section-desc {
    font-size: 17px;
    color: var(--text-2);
    max-width: 520px;
    margin: 0 auto;
    line-height: 1.7;
}
.section-desc.white-70 { color: rgba(255,255,255,.75); max-width: 520px; margin: 0 auto; }

/* =====================================================
   HEADER
   ===================================================== */
.header {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    transition: var(--transition);
    padding: 0;
}

.header.scrolled {
    background: rgba(255,255,255,.95);
    backdrop-filter: blur(20px);
    box-shadow: 0 1px 0 var(--border), var(--shadow-sm);
}

.header-inner {
    max-width: 1160px;
    margin: 0 auto;
    padding: 0 24px;
    height: 72px;
    display: flex;
    align-items: center;
    gap: 40px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

.logo-mark {
    width: 40px; height: 40px;
    background: linear-gradient(135deg, var(--green), var(--green-dark));
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 12px rgba(0,105,92,.35);
}

.logo-text {
    font-size: 22px;
    font-weight: 800;
    color: var(--white);
    letter-spacing: -.3px;
}
.header.scrolled .logo-text { color: var(--text); }
.logo-text span { color: var(--gold); }

/* Nav */
.nav { display: flex; align-items: center; gap: 4px; flex: 1; }

.nav-link {
    padding: 8px 14px;
    font-size: 14px;
    font-weight: 500;
    color: rgba(255,255,255,.85);
    border-radius: 8px;
    transition: var(--transition);
}
.header.scrolled .nav-link { color: var(--text-2); }
.nav-link:hover {
    background: rgba(255,255,255,.1);
    color: var(--white);
}
.header.scrolled .nav-link:hover {
    background: var(--green-soft);
    color: var(--green-dark);
}

/* Header actions */
.header-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

.btn-outline-sm {
    padding: 9px 20px;
    font-size: 14px; font-weight: 600;
    border: 1.5px solid rgba(255,255,255,.4);
    color: var(--white);
    border-radius: var(--r-sm);
    transition: var(--transition);
}
.header.scrolled .btn-outline-sm {
    border-color: var(--border);
    color: var(--text);
}
.btn-outline-sm:hover {
    border-color: rgba(255,255,255,.8);
    background: rgba(255,255,255,.08);
}
.header.scrolled .btn-outline-sm:hover {
    border-color: var(--green);
    color: var(--green);
    background: var(--green-soft);
}

.btn-primary-sm {
    padding: 9px 20px;
    font-size: 14px; font-weight: 600;
    background: var(--gold);
    color: var(--dark);
    border-radius: var(--r-sm);
    transition: var(--transition);
}
.btn-primary-sm:hover {
    background: #D97706;
    transform: translateY(-1px);
    box-shadow: 0 4px 16px rgba(245,158,11,.35);
}

/* Burger */
.burger {
    display: none; flex-direction: column; gap: 5px;
    width: 36px; height: 36px; align-items: center; justify-content: center;
    border-radius: 8px;
    background: rgba(255,255,255,.1);
}
.header.scrolled .burger { background: var(--bg); }
.burger span {
    display: block; width: 20px; height: 2px;
    background: var(--white); border-radius: 2px;
    transition: var(--transition);
}
.header.scrolled .burger span { background: var(--text); }
.burger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.active span:nth-child(2) { opacity: 0; }
.burger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* =====================================================
   HERO
   ===================================================== */
.hero {
    position: relative;
    min-height: 100vh;
    background: linear-gradient(135deg, var(--dark) 0%, #0D3A32 50%, var(--green-dark) 100%);
    display: flex; align-items: center;
    overflow: hidden;
    padding-top: 72px;
}

.hero-bg {
    position: absolute; inset: 0;
    pointer-events: none;
    z-index: 0;
}

.hero-blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: .18;
}
.blob-1 {
    width: 600px; height: 600px;
    background: var(--green-light);
    top: -150px; right: -100px;
}
.blob-2 {
    width: 400px; height: 400px;
    background: var(--gold);
    bottom: -100px; left: -100px;
}

.hero-grid {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 48px 48px;
}

.hero-inner {
    position: relative; z-index: 1;
    max-width: 1160px;
    margin: 0 auto;
    padding: 80px 24px;
    display: flex;
    align-items: center;
    gap: 80px;
}

.hero-content { flex: 1; }

.hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.12);
    color: rgba(255,255,255,.8);
    font-size: 13px; font-weight: 500;
    padding: 8px 16px;
    border-radius: 100px;
    margin-bottom: 28px;
    backdrop-filter: blur(8px);
}
.badge-dot {
    width: 8px; height: 8px;
    background: #4ADE80;
    border-radius: 50%;
    box-shadow: 0 0 0 3px rgba(74,222,128,.25);
    animation: pulse 2s infinite;
}
@keyframes pulse {
    0%,100% { box-shadow: 0 0 0 3px rgba(74,222,128,.25); }
    50%      { box-shadow: 0 0 0 6px rgba(74,222,128,.1); }
}

.hero-title {
    font-size: clamp(40px, 6vw, 72px);
    font-weight: 900;
    line-height: 1.08;
    color: var(--white);
    margin-bottom: 24px;
    letter-spacing: -.5px;
}

.gradient-text {
    background: linear-gradient(135deg, #4ADE80, var(--gold));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-desc {
    font-size: 18px;
    color: rgba(255,255,255,.7);
    line-height: 1.75;
    margin-bottom: 40px;
    max-width: 500px;
}

.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 56px; }

.btn-hero-primary {
    display: inline-flex; align-items: center; gap: 10px;
    background: linear-gradient(135deg, var(--green-light), var(--green));
    color: var(--white);
    font-size: 16px; font-weight: 700;
    padding: 16px 32px;
    border-radius: var(--r-sm);
    transition: var(--transition);
    box-shadow: 0 4px 20px rgba(0,137,123,.4);
}
.btn-hero-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 32px rgba(0,137,123,.5);
}

.btn-hero-ghost {
    display: inline-flex; align-items: center;
    color: rgba(255,255,255,.8);
    font-size: 16px; font-weight: 600;
    padding: 16px 28px;
    border: 1.5px solid rgba(255,255,255,.2);
    border-radius: var(--r-sm);
    transition: var(--transition);
}
.btn-hero-ghost:hover {
    background: rgba(255,255,255,.06);
    border-color: rgba(255,255,255,.4);
    color: var(--white);
}

.hero-stats { display: flex; align-items: center; gap: 32px; }
.stat { display: flex; flex-direction: column; gap: 2px; }
.stat-num { font-size: 28px; font-weight: 800; color: var(--white); letter-spacing: -.5px; }
.stat-label { font-size: 13px; color: rgba(255,255,255,.5); font-weight: 500; }
.stat-divider { width: 1px; height: 36px; background: rgba(255,255,255,.15); }

/* Hero visual */
.hero-visual { flex-shrink: 0; }

.card-mockup { position: relative; }

.bank-card {
    width: 340px;
    background: linear-gradient(135deg, #1A5C50 0%, #0D3A32 100%);
    border-radius: 24px;
    padding: 28px;
    box-shadow: 0 32px 80px rgba(0,0,0,.5), inset 0 1px 0 rgba(255,255,255,.1);
    position: relative;
    overflow: hidden;
}
.bank-card::before {
    content: '';
    position: absolute;
    width: 220px; height: 220px;
    background: rgba(255,255,255,.04);
    border-radius: 50%;
    top: -60px; right: -60px;
}

.card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 32px; }

.chip {
    width: 40px; height: 30px;
    background: linear-gradient(135deg, #D4A017, #F5C842);
    border-radius: 6px;
}

.card-logo { color: var(--white); font-size: 20px; font-weight: 800; letter-spacing: -.5px; }
.card-logo span { color: var(--gold); }

.card-number {
    font-size: 18px;
    font-weight: 600;
    color: var(--white);
    letter-spacing: 3px;
    margin-bottom: 24px;
    font-family: 'Courier New', monospace;
}

.card-footer { display: flex; align-items: flex-end; gap: 24px; }
.card-label { font-size: 10px; text-transform: uppercase; color: rgba(255,255,255,.5); letter-spacing: 1px; margin-bottom: 4px; }
.card-value { font-size: 14px; font-weight: 600; color: var(--white); letter-spacing: 1px; }

.mir-logo {
    margin-left: auto;
    background: var(--white);
    color: #003087;
    font-weight: 800;
    font-size: 13px;
    padding: 4px 10px;
    border-radius: 6px;
}

/* Floating notifications */
.notif {
    position: absolute;
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(20px);
    border-radius: var(--r-sm);
    padding: 12px 16px;
    display: flex; align-items: center; gap: 12px;
    box-shadow: var(--shadow-lg);
    animation: floatCard 4s ease-in-out infinite;
    min-width: 230px;
    border: 1px solid var(--border);
}
.notif-1 { top: -20px; right: -60px; animation-delay: 0s; }
.notif-2 { bottom: -20px; left: -60px; animation-delay: 2s; }

@keyframes floatCard {
    0%,100% { transform: translateY(0); }
    50%      { transform: translateY(-8px); }
}

.notif-icon {
    width: 36px; height: 36px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 16px; font-weight: 700;
    flex-shrink: 0;
}
.notif-icon.income { background: #D1FAE5; color: #059669; }
.notif-icon.safe   { background: #DBEAFE; color: var(--blue); }

.notif-title { font-size: 13px; font-weight: 700; color: var(--text); }
.notif-sub   { font-size: 12px; color: var(--text-2); margin-top: 1px; }

/* Hero wave */
.hero-wave {
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 80px;
    z-index: 2;
}
.hero-wave svg { width: 100%; height: 100%; }

/* =====================================================
   SERVICES
   ===================================================== */
.services { background: var(--bg); }

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.service-card {
    background: var(--white);
    border-radius: var(--r-md);
    padding: 32px 28px;
    border: 1px solid var(--border);
    transition: var(--transition);
    cursor: default;
}
.service-card:hover {
    border-color: var(--green);
    box-shadow: 0 8px 32px rgba(0,105,92,.1);
    transform: translateY(-3px);
}
.service-card.featured {
    background: linear-gradient(135deg, var(--green-dark) 0%, var(--green) 100%);
    border-color: transparent;
    grid-row: span 1;
}
.service-card.featured h3, .service-card.featured p { color: var(--white); }
.service-card.featured .service-icon { background: rgba(255,255,255,.12); color: var(--white); }
.service-card.featured .service-arrow { color: rgba(255,255,255,.6); }

.service-icon {
    width: 52px; height: 52px;
    background: var(--green-soft);
    color: var(--green-dark);
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 20px;
    transition: var(--transition);
}
.service-card:hover .service-icon {
    background: var(--green);
    color: var(--white);
}
.service-card.featured:hover .service-icon { background: rgba(255,255,255,.2); }

.service-card h3 { font-size: 18px; font-weight: 700; color: var(--text); margin-bottom: 10px; }
.service-card p  { font-size: 14px; color: var(--text-2); line-height: 1.65; }

.service-meta {
    display: flex; align-items: center; justify-content: space-between;
    margin-top: 20px;
}
.service-arrow { font-size: 18px; color: var(--text-3); transition: var(--transition); }
.service-card:hover .service-arrow { color: var(--green); transform: translateX(4px); }
.service-card.featured .service-card:hover .service-arrow { color: var(--white); }

/* Badges */
.badge-green, .badge-gold, .badge-blue, .badge-purple {
    font-size: 12px; font-weight: 700;
    padding: 4px 12px; border-radius: 100px;
}
.badge-green  { background: #D1FAE5; color: #065F46; }
.badge-gold   { background: #FEF3C7; color: #92400E; }
.badge-blue   { background: #DBEAFE; color: #1E40AF; }
.badge-purple { background: #EDE9FE; color: #5B21B6; }

/* =====================================================
   ABOUT
   ===================================================== */
.about { background: var(--white); }

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-text {
    font-size: 16px;
    color: var(--text-2);
    line-height: 1.8;
    margin-bottom: 16px;
}

.about-features { display: flex; flex-direction: column; gap: 20px; margin-top: 32px; }

.about-feat {
    display: flex; align-items: flex-start; gap: 16px;
    padding: 18px;
    background: var(--bg);
    border-radius: var(--r-sm);
    border: 1px solid var(--border);
}
.feat-icon { font-size: 24px; flex-shrink: 0; }
.about-feat strong { display: block; font-size: 15px; font-weight: 700; color: var(--text); margin-bottom: 3px; }
.about-feat span { font-size: 13px; color: var(--text-2); }

/* About stats */
.about-card-wrap {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.about-stat-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--r-md);
    padding: 28px 24px;
    transition: var(--transition);
}
.about-stat-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.about-stat-card.accent { background: var(--green); border-color: var(--green); }
.about-stat-card.dark   { background: var(--dark);  border-color: var(--dark); }

.asc-number {
    font-size: 32px; font-weight: 900; color: var(--text);
    letter-spacing: -.5px; margin-bottom: 4px;
}
.about-stat-card.accent .asc-number,
.about-stat-card.dark   .asc-number { color: var(--white); }

.asc-label {
    font-size: 13px; font-weight: 500; color: var(--text-2);
    margin-bottom: 8px;
}
.about-stat-card.accent .asc-label,
.about-stat-card.dark   .asc-label { color: rgba(255,255,255,.7); }

.asc-trend {
    font-size: 12px; font-weight: 600;
    color: var(--green); background: var(--green-soft);
    display: inline-block; padding: 3px 10px; border-radius: 100px;
}
.about-stat-card.accent .asc-trend { color: var(--dark); background: rgba(255,255,255,.2); }
.about-stat-card.dark   .asc-trend { color: #4ADE80; background: rgba(74,222,128,.1); }

/* =====================================================
   TRANSFER
   ===================================================== */
.transfer-section { background: var(--bg); }

.transfer-wrap {
    display: grid;
    grid-template-columns: 280px 1fr 320px;
    gap: 24px;
    align-items: start;
}

/* Balance widget */
.balance-widget {
    background: linear-gradient(135deg, var(--green-dark), var(--green));
    border-radius: var(--r-md);
    padding: 28px 24px;
    color: var(--white);
    position: sticky;
    top: 90px;
}

.bw-label {
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: rgba(255,255,255,.65);
    margin-bottom: 10px;
}

.bw-amount {
    font-size: 32px;
    font-weight: 900;
    color: var(--white);
    letter-spacing: -.5px;
    min-height: 42px;
    margin-bottom: 12px;
}
.bw-skeleton {
    height: 40px; width: 80%;
    background: rgba(255,255,255,.15);
    border-radius: 8px;
    animation: shimmer 1.5s infinite linear;
    background: linear-gradient(90deg, rgba(255,255,255,.1) 25%, rgba(255,255,255,.2) 50%, rgba(255,255,255,.1) 75%);
    background-size: 200% 100%;
}
@keyframes shimmer {
    0%   { background-position: 200% 0; }
    100% { background-position: -200% 0; }
}

.bw-account {
    display: flex; align-items: center; gap: 6px;
    font-size: 13px; color: rgba(255,255,255,.65);
    margin-bottom: 20px;
}

.bw-refresh {
    display: inline-flex; align-items: center; gap: 6px;
    font-size: 13px; font-weight: 600;
    color: rgba(255,255,255,.8);
    background: rgba(255,255,255,.1);
    padding: 8px 14px;
    border-radius: 8px;
    cursor: pointer;
    transition: var(--transition);
}
.bw-refresh:hover { background: rgba(255,255,255,.2); }

/* Transfer card */
.transfer-card {
    background: var(--white);
    border-radius: var(--r-md);
    border: 1px solid var(--border);
    overflow: hidden;
    box-shadow: var(--shadow);
}

.tc-header {
    display: flex; align-items: center; gap: 16px;
    background: linear-gradient(135deg, var(--green-dark), var(--green));
    padding: 24px 28px;
}

.tc-icon {
    width: 48px; height: 48px;
    background: rgba(255,255,255,.15);
    border-radius: var(--r-sm);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}

.tc-title { font-size: 18px; font-weight: 700; color: var(--white); }
.tc-sub   { font-size: 13px; color: rgba(255,255,255,.7); margin-top: 2px; }

.tc-form { padding: 28px; }

.tf-group { margin-bottom: 20px; }

.tf-label {
    display: block;
    font-size: 13px; font-weight: 600;
    color: var(--text);
    margin-bottom: 8px;
}

.tf-input-wrap {
    position: relative;
    display: flex; align-items: center;
}

.tf-icon {
    position: absolute; left: 14px;
    color: var(--text-3);
    pointer-events: none;
}

.tf-currency {
    position: absolute; left: 16px;
    font-size: 18px; font-weight: 700;
    color: var(--text-2);
    pointer-events: none;
}

.tf-input {
    width: 100%;
    padding: 14px 16px 14px 44px;
    font-size: 15px;
    border: 1.5px solid var(--border);
    border-radius: var(--r-sm);
    transition: var(--transition);
    background: var(--bg);
    color: var(--text);
}
.tf-input-amount { padding-left: 32px; font-size: 20px; font-weight: 700; }
.tf-input:focus { border-color: var(--green); background: var(--white); box-shadow: 0 0 0 3px rgba(0,105,92,.1); }
.tf-input::placeholder { color: var(--text-3); font-weight: 400; }

.tf-presets {
    display: flex; flex-wrap: wrap; gap: 8px;
    margin-bottom: 24px;
}
.tf-preset {
    padding: 8px 14px;
    font-size: 13px; font-weight: 600;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    color: var(--text-2);
    background: var(--bg);
    transition: var(--transition);
}
.tf-preset:hover, .tf-preset.active {
    border-color: var(--green);
    color: var(--green-dark);
    background: var(--green-soft);
}

.btn-transfer {
    display: flex; align-items: center; justify-content: center; gap: 10px;
    width: 100%;
    padding: 16px;
    background: linear-gradient(135deg, var(--green-light), var(--green));
    color: var(--white);
    font-size: 16px; font-weight: 700;
    border-radius: var(--r-sm);
    transition: var(--transition);
    box-shadow: 0 4px 20px rgba(0,105,92,.3);
    margin-bottom: 16px;
}
.btn-transfer:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(0,105,92,.4);
}
.btn-transfer:disabled { opacity: .7; cursor: not-allowed; transform: none; }

.btn-spinner {
    display: inline-block;
    width: 16px; height: 16px;
    border: 2px solid rgba(255,255,255,.3);
    border-top-color: var(--white);
    border-radius: 50%;
    animation: spin .7s linear infinite;
}
.btn-spinner.dark {
    border-color: rgba(0,0,0,.15);
    border-top-color: var(--text);
}
@keyframes spin { to { transform: rotate(360deg); } }

.tf-note {
    display: flex; align-items: center; gap: 6px;
    font-size: 12px; color: var(--text-3);
    justify-content: center;
}

/* Success banner */
.success-banner {
    display: none;
    align-items: center; gap: 14px;
    background: #D1FAE5;
    border-top: 1px solid #6EE7B7;
    padding: 18px 28px;
}
.success-banner.show { display: flex; }

.sb-icon {
    width: 36px; height: 36px;
    background: #059669;
    color: var(--white);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 16px; font-weight: 700;
    flex-shrink: 0;
}
.sb-title { font-size: 15px; font-weight: 700; color: #065F46; }
.sb-text  { font-size: 13px; color: #047857; margin-top: 2px; }

/* Recent card */
.recent-card {
    background: var(--white);
    border-radius: var(--r-md);
    border: 1px solid var(--border);
    overflow: hidden;
    box-shadow: var(--shadow);
    position: sticky;
    top: 90px;
}

.rc-header {
    display: flex; align-items: center; justify-content: space-between;
    padding: 18px 20px;
    border-bottom: 1px solid var(--border);
}
.rc-header h3 { font-size: 15px; font-weight: 700; color: var(--text); }

.rc-more {
    font-size: 13px; font-weight: 600;
    color: var(--green);
    padding: 5px 12px;
    border-radius: 7px;
    transition: var(--transition);
    background: transparent;
}
.rc-more:hover { background: var(--green-soft); }

/* Transactions */
.txn-list { list-style: none; }

.txn-item {
    display: flex; align-items: center; gap: 12px;
    padding: 14px 20px;
    border-bottom: 1px solid #F9FAFB;
    transition: var(--transition);
}
.txn-item:last-child { border-bottom: none; }
.txn-item:hover { background: var(--bg); }

.txn-ico {
    width: 36px; height: 36px;
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 14px; font-weight: 700;
    flex-shrink: 0;
}
.txn-ico.income  { background: #D1FAE5; color: #059669; }
.txn-ico.expense { background: #FEE2E2; color: #DC2626; }

.txn-info { flex: 1; min-width: 0; }
.txn-name {
    font-size: 13px; font-weight: 600; color: var(--text);
    white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.txn-date { font-size: 12px; color: var(--text-3); margin-top: 1px; }

.txn-amt { font-size: 13px; font-weight: 700; white-space: nowrap; }
.txn-amt.income  { color: #059669; }
.txn-amt.expense { color: #DC2626; }

.txn-loading { padding: 24px 20px; display: flex; flex-direction: column; gap: 12px; }
.txn-skeleton {
    height: 14px; border-radius: 7px;
    background: linear-gradient(90deg, #F3F4F6 25%, #E5E7EB 50%, #F3F4F6 75%);
    background-size: 200% 100%;
    animation: shimmer 1.5s infinite linear;
}
.txn-skeleton.short { width: 60%; }
.txn-empty { padding: 32px 20px; text-align: center; font-size: 14px; color: var(--text-3); }

/* =====================================================
   SECURITY
   ===================================================== */
.security {
    background: linear-gradient(135deg, var(--dark) 0%, var(--dark-2) 100%);
    position: relative;
    overflow: hidden;
}
.security::before {
    content: '';
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 48px 48px;
}

.security-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    position: relative; z-index: 1;
}

.sec-item {
    background: rgba(255,255,255,.05);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: var(--r-md);
    padding: 32px 28px;
    transition: var(--transition);
}
.sec-item:hover {
    background: rgba(255,255,255,.09);
    border-color: rgba(0,137,123,.4);
    transform: translateY(-3px);
}

.sec-icon { font-size: 36px; margin-bottom: 16px; }
.sec-item h4 { font-size: 16px; font-weight: 700; color: var(--white); margin-bottom: 10px; }
.sec-item p  { font-size: 14px; color: rgba(255,255,255,.55); line-height: 1.7; }

/* =====================================================
   TRUST STRIP
   ===================================================== */
.trust-strip {
    background: var(--white);
    padding: 32px 0;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
}

.trust-items {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 32px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex; align-items: center; gap: 10px;
    font-size: 13px; color: var(--text-2);
}

.trust-logo {
    font-size: 15px; font-weight: 900;
    color: var(--green-dark);
    background: var(--green-soft);
    padding: 5px 12px;
    border-radius: 7px;
}

.trust-div { width: 1px; height: 28px; background: var(--border); }

/* =====================================================
   FAQ
   ===================================================== */
.faq-section { background: var(--bg); }

.faq-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    align-items: start;
}
.faq-col { display: flex; flex-direction: column; gap: 12px; }

.faq-item {
    background: var(--white);
    border-radius: var(--r-sm);
    border: 1px solid var(--border);
    overflow: hidden;
    transition: var(--transition);
}
.faq-item.open { border-color: var(--green); box-shadow: 0 4px 16px rgba(0,105,92,.1); }

.faq-q {
    width: 100%;
    display: flex; align-items: center; justify-content: space-between; gap: 12px;
    padding: 20px 20px;
    text-align: left;
    font-size: 15px; font-weight: 600;
    color: var(--text);
    transition: var(--transition);
}
.faq-q:hover { background: var(--bg); }
.faq-item.open .faq-q { color: var(--green-dark); }

.faq-arrow {
    font-size: 22px; font-weight: 400;
    color: var(--text-3);
    transition: var(--transition);
    flex-shrink: 0;
}
.faq-item.open .faq-arrow { transform: rotate(45deg); color: var(--green); }

.faq-a {
    max-height: 0;
    overflow: hidden;
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.75;
    padding: 0 20px;
    transition: max-height .35s ease, padding .35s ease;
}
.faq-item.open .faq-a { max-height: 300px; padding: 0 20px 20px; }

/* =====================================================
   CONTACT
   ===================================================== */
.contact-section { background: var(--white); }

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

.contact-list { display: flex; flex-direction: column; gap: 16px; margin-top: 32px; }

.contact-item {
    display: flex; align-items: flex-start; gap: 16px;
    padding: 20px;
    background: var(--bg);
    border-radius: var(--r-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
}
.contact-item:hover { border-color: var(--green); background: var(--green-soft); }

.ci-icon { font-size: 28px; flex-shrink: 0; }
.ci-label { font-size: 12px; text-transform: uppercase; letter-spacing: 1px; color: var(--text-3); font-weight: 600; margin-bottom: 3px; }
.ci-value { font-size: 16px; font-weight: 700; color: var(--text); margin-bottom: 2px; }
.ci-note  { font-size: 13px; color: var(--text-2); }

/* Contact form */
.contact-form {
    background: var(--bg);
    border-radius: var(--r-md);
    border: 1px solid var(--border);
    padding: 36px;
}
.contact-form h3 { font-size: 22px; font-weight: 800; color: var(--text); margin-bottom: 24px; }

.cf-group { margin-bottom: 18px; }
.cf-group label { display: block; font-size: 13px; font-weight: 600; color: var(--text); margin-bottom: 8px; }

.cf-group input,
.cf-group textarea {
    width: 100%;
    padding: 13px 16px;
    font-size: 15px;
    border: 1.5px solid var(--border);
    border-radius: var(--r-sm);
    background: var(--white);
    color: var(--text);
    transition: var(--transition);
    resize: vertical;
}
.cf-group input:focus,
.cf-group textarea:focus {
    border-color: var(--green);
    box-shadow: 0 0 0 3px rgba(0,105,92,.1);
    outline: none;
}
.cf-group input::placeholder,
.cf-group textarea::placeholder { color: var(--text-3); }

.btn-contact {
    width: 100%;
    padding: 15px;
    background: linear-gradient(135deg, var(--green-light), var(--green-dark));
    color: var(--white);
    font-size: 15px; font-weight: 700;
    border-radius: var(--r-sm);
    transition: var(--transition);
    box-shadow: 0 4px 20px rgba(0,105,92,.3);
}
.btn-contact:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(0,105,92,.4);
}

/* =====================================================
   FOOTER
   ===================================================== */
.footer {
    background: var(--dark);
    color: rgba(255,255,255,.7);
    padding: 64px 0 0;
}

.footer-top {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 60px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,.08);
}

.footer-brand .logo-text { color: var(--white); }
.footer-brand .logo-mark {
    background: rgba(255,255,255,.08);
    box-shadow: none;
}

.footer-desc {
    font-size: 14px;
    color: rgba(255,255,255,.5);
    line-height: 1.75;
    margin: 16px 0 24px;
    max-width: 280px;
}

.footer-socials { display: flex; gap: 8px; }
.social-link {
    width: 36px; height: 36px;
    background: rgba(255,255,255,.08);
    border-radius: 9px;
    display: flex; align-items: center; justify-content: center;
    font-size: 12px; font-weight: 700;
    color: rgba(255,255,255,.6);
    transition: var(--transition);
}
.social-link:hover { background: var(--green); color: var(--white); }

.footer-links-group h4 {
    font-size: 14px; font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
}
.footer-links-group a {
    display: block;
    font-size: 14px; color: rgba(255,255,255,.5);
    margin-bottom: 10px;
    transition: var(--transition);
}
.footer-links-group a:hover { color: var(--white); padding-left: 4px; }

.footer-bottom {
    padding: 28px 0;
    display: flex; align-items: center; justify-content: space-between;
    flex-wrap: wrap; gap: 16px;
}

.footer-legal p { font-size: 12px; color: rgba(255,255,255,.35); line-height: 1.8; }

.footer-legal-links { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal-links a {
    font-size: 12px; color: rgba(255,255,255,.4);
    transition: var(--transition);
}
.footer-legal-links a:hover { color: rgba(255,255,255,.8); }

/* =====================================================
   BACK TO TOP
   ===================================================== */
.back-to-top {
    position: fixed;
    right: 28px; bottom: 28px;
    width: 48px; height: 48px;
    background: var(--green);
    color: var(--white);
    font-size: 18px;
    border-radius: 14px;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 20px rgba(0,105,92,.4);
    opacity: 0; pointer-events: none;
    transform: translateY(12px);
    transition: var(--transition);
    z-index: 500;
}
.back-to-top.show { opacity: 1; pointer-events: auto; transform: translateY(0); }
.back-to-top:hover { background: var(--green-dark); transform: translateY(-2px); }

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
    .hero-inner { gap: 48px; }
    .bank-card { width: 290px; }
    .notif-1 { right: -20px; }
    .notif-2 { left: -20px; }
    .services-grid { grid-template-columns: 1fr 1fr; }
    .transfer-wrap { grid-template-columns: 1fr 1fr; }
    .balance-widget { display: none; }
    .transfer-wrap { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
    .nav, .header-actions { display: none; }
    .burger { display: flex; }

    .nav {
        display: flex;
        flex-direction: column;
        position: fixed;
        top: 72px; left: 0; right: 0;
        background: var(--white);
        padding: 16px 24px;
        box-shadow: var(--shadow-lg);
        transform: translateY(-120%);
        opacity: 0;
        transition: var(--transition);
        z-index: 999;
    }
    .nav.open { transform: translateY(0); opacity: 1; }
    .nav-link { color: var(--text) !important; padding: 12px 0; border-bottom: 1px solid var(--border); }
    .nav-link:hover { background: transparent !important; color: var(--green) !important; }

    .hero-inner { flex-direction: column; text-align: center; padding: 60px 24px; }
    .hero-visual { display: none; }
    .hero-desc { margin: 0 auto 32px; }
    .hero-actions { justify-content: center; }
    .hero-stats { justify-content: center; }

    .about-grid { grid-template-columns: 1fr; gap: 48px; }
    .services-grid { grid-template-columns: 1fr; }
    .security-grid { grid-template-columns: 1fr 1fr; }
    .transfer-wrap { grid-template-columns: 1fr; }
    .faq-grid { grid-template-columns: 1fr; }
    .contact-grid { grid-template-columns: 1fr; gap: 48px; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 40px; }
    .trust-items { gap: 16px; }
    .trust-div { display: none; }
}

@media (max-width: 560px) {
    .section { padding: 64px 0; }
    .section-title { font-size: 26px; }
    .hero-title { font-size: 36px; }
    .security-grid { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; gap: 32px; }
    .footer-bottom { flex-direction: column; align-items: flex-start; }
    .about-card-wrap { grid-template-columns: 1fr; }
    .tf-presets { gap: 6px; }
    .tf-preset { font-size: 12px; padding: 7px 10px; }
    .hero-stats { flex-wrap: wrap; gap: 20px; }
    .stat-divider { display: none; }
}