/* ============================================================
   MANDIRI BANK — Redesign CSS v2
   Font: DM Sans (clean, modern, highly readable)
   Palette: Navy #0A1628 | Blue #1E88E5 | Gold #C9A84C
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&family=DM+Serif+Display:ital@0;1&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #0A1628;
  --navy-mid: #132240;
  --blue: #1E88E5;
  --blue-dark: #1565C0;
  --gold: #C9A84C;
  --off-white: #F7F8FA;
  --white: #ffffff;
  --grey: #6B7280;
  --grey-light: #E5E7EB;
  --text: #1F2937;
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --max-w: 1200px;
  --radius: 6px;
  --shadow: 0 4px 24px rgba(10,22,40,0.08);
  --shadow-md: 0 8px 40px rgba(10,22,40,0.14);
  --nav-h: 64px;
  --topbar-h: 40px;
}

html { font-size: 16px; scroll-behavior: smooth; }
body { font-family: var(--font-body); color: var(--text); background: var(--white); line-height: 1.6; overflow-x: hidden; }

h1,h2,h3 { font-family: var(--font-display); font-weight: 400; line-height: 1.15; }
h4,h5,h6 { font-family: var(--font-body); font-weight: 600; line-height: 1.3; }
h1 { font-size: clamp(2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.6rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.7rem); }
h4 { font-size: 1rem; }
p  { font-size: 0.975rem; line-height: 1.75; color: var(--grey); }
a  { text-decoration: none; color: inherit; }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem; }
.section    { padding: 4.5rem 0; }
.section--alt { background: var(--off-white); }

/* ────────────────────────────────────────
   BUTTONS
───────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem;
  padding: 0.7rem 1.6rem; border-radius: var(--radius);
  font-family: var(--font-body); font-size: 0.875rem; font-weight: 600;
  letter-spacing: 0.02em; cursor: pointer; border: 2px solid transparent;
  transition: all 0.18s ease; white-space: nowrap;
}
.btn-primary  { background: var(--blue); color: var(--white); border-color: var(--blue); }
.btn-primary:hover  { background: var(--blue-dark); border-color: var(--blue-dark); }
.btn-outline  { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.45); }
.btn-outline:hover  { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn-gold     { background: var(--gold); color: var(--navy); border-color: var(--gold); font-weight: 700; }
.btn-gold:hover { background: #b8942f; border-color: #b8942f; }

/* ────────────────────────────────────────
   TOP BAR
───────────────────────────────────────── */
.top-bar { background: var(--navy-mid); border-bottom: 1px solid rgba(255,255,255,0.06); }
.top-bar-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  display: flex; align-items: center; gap: 1.5rem;
  height: var(--topbar-h); font-size: 0.78rem; color: rgba(255,255,255,0.55);
  overflow: visible;
}
.top-bar-inner a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.top-bar-inner a:hover { color: var(--white); }
.top-bar-inner span { display: flex; align-items: center; gap: 0.35rem; white-space: nowrap; }
.top-bar-inner .tb-right { margin-left: auto; }
@media (max-width: 600px) {
  .top-bar-inner .tb-addr { display: none; }
}

/* ── Translate globe button ── */
.translate-wrap { position: relative; }
.translate-btn {
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--blue); border: none;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; transition: background 0.18s, transform 0.18s;
  flex-shrink: 0;
}
.translate-btn:hover { background: var(--blue-dark); transform: scale(1.08); }
.translate-btn svg { width: 16px; height: 16px; stroke: #fff; fill: none; stroke-width: 2; }

/* Hide Google's injected widget & banner — comprehensive whitespace fix */
#google_translate_element { display: none !important; }
.goog-te-banner-frame,
.goog-te-banner-frame.skiptranslate { display: none !important; height: 0 !important; }
.skiptranslate { display: none !important; height: 0 !important; overflow: hidden !important; }
#goog-gt-tt,
.goog-te-spinner-pos,
.goog-te-menu-frame { display: none !important; height: 0 !important; }

/* Google Translate shifts body down — force it back */
body {
  top: 0 !important;
  position: static !important;
  min-height: unset !important;
}
html {
  min-height: unset !important;
}

/* Language picker panel */
.lang-panel {
  display: none; position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  z-index: 1000; align-items: flex-start; justify-content: center;
  padding-top: 80px;
}
.lang-panel.open { display: flex; }
.lang-backdrop {
  position: absolute; inset: 0;
  background: rgba(10,22,40,0.55); backdrop-filter: blur(3px);
}
.lang-box {
  position: relative; z-index: 2;
  background: #fff; border-radius: 16px;
  width: 90%; max-width: 380px;
  max-height: 70vh; display: flex; flex-direction: column;
  box-shadow: 0 24px 64px rgba(0,0,0,0.3); overflow: hidden;
}
.lang-box-header {
  padding: 1rem 1.1rem 0.6rem;
  border-bottom: 1px solid #f0f0f0;
}
.lang-search-wrap {
  display: flex; align-items: center; gap: 0.5rem;
  background: #f5f6f8; border-radius: 30px; padding: 0.5rem 0.9rem;
}
.lang-search-wrap svg { width: 15px; height: 15px; stroke: #9ca3af; fill: none; stroke-width: 2; flex-shrink: 0; }
.lang-search {
  border: none; background: transparent; outline: none;
  font-family: var(--font-body); font-size: 0.9rem;
  color: #1f2937; width: 100%;
}
.lang-search::placeholder { color: #9ca3af; }
.lang-list {
  overflow-y: auto; flex: 1; padding: 0.4rem 0;
}
.lang-item {
  display: flex; align-items: center; gap: 0.85rem;
  padding: 0.7rem 1.25rem; cursor: pointer;
  transition: background 0.12s; font-size: 0.92rem;
  color: #1f2937; font-family: var(--font-body);
  border: none; background: none; width: 100%; text-align: left;
}
.lang-item:hover { background: #f0f4ff; }
.lang-item.active { background: #e8f0fe; color: var(--blue); font-weight: 600; }
.lang-flag { font-size: 1.3rem; line-height: 1; width: 26px; text-align: center; }
.lang-name { flex: 1; }
.lang-check { width: 16px; height: 16px; stroke: var(--blue); fill: none; stroke-width: 2.5; display: none; }
.lang-item.active .lang-check { display: block; }

/* ────────────────────────────────────────
   NAV — DESKTOP
───────────────────────────────────────── */
.site-nav {
  position: sticky; top: 0; z-index: 200;
  background: var(--navy); box-shadow: 0 2px 16px rgba(0,0,0,0.3);
}
.nav-inner {
  display: flex; align-items: center;
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  height: var(--nav-h); gap: 0;
}
.nav-logo {
  display: flex; align-items: center; gap: 0.5rem;
  flex-shrink: 0; margin-right: 2rem;
}
.nav-logo img { height: 34px; display: block; filter: brightness(0) invert(1); border-radius: 5px; }

/* Desktop menu */
.nav-menu {
  display: flex; align-items: center; list-style: none;
  gap: 0; flex: 1;
}
.nav-menu > li { position: relative; }
.nav-menu > li > a {
  display: flex; align-items: center; gap: 0.25rem;
  padding: 0 1rem; height: var(--nav-h);
  font-size: 0.855rem; font-weight: 500;
  color: rgba(255,255,255,0.78); letter-spacing: 0.01em;
  transition: color 0.18s; white-space: nowrap;
}
.nav-menu > li > a:hover,
.nav-menu > li.active > a { color: var(--white); }
.nav-menu > li.active > a {
  border-bottom: 2px solid var(--gold);
}
/* chevron for dropdowns */
.nav-menu > li.has-drop > a::after {
  content: '';
  display: inline-block; width: 6px; height: 6px;
  border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg); margin-top: -3px; opacity: 0.6;
}

/* Desktop dropdown */
.nav-dropdown {
  position: absolute; top: 100%; left: 0;
  background: var(--navy-mid); min-width: 210px;
  list-style: none; border-top: 2px solid var(--blue);
  box-shadow: 0 12px 32px rgba(0,0,0,0.3);
  opacity: 0; pointer-events: none;
  transform: translateY(6px); transition: all 0.18s ease;
  border-radius: 0 0 6px 6px;
}
.nav-menu > li:hover > .nav-dropdown { opacity: 1; pointer-events: all; transform: translateY(0); }
.nav-dropdown li a {
  display: block; padding: 0.65rem 1.25rem;
  font-size: 0.84rem; font-weight: 400;
  color: rgba(255,255,255,0.72); transition: background 0.15s, color 0.15s;
}
.nav-dropdown li a:hover { background: rgba(30,136,229,0.2); color: var(--white); }

/* Nav CTA buttons */
.nav-actions { display: flex; gap: 0.5rem; margin-left: auto; flex-shrink: 0; }
.nav-actions .btn { padding: 0.45rem 1.1rem; font-size: 0.82rem; }

/* Hamburger */
.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  padding: 0.5rem; margin-left: auto; flex-shrink: 0;
}
.nav-toggle .bar {
  display: block; width: 22px; height: 2px;
  background: white; margin: 5px 0;
  transition: transform 0.3s, opacity 0.3s;
}
.nav-toggle.open .bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open .bar:nth-child(2) { opacity: 0; }
.nav-toggle.open .bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ────────────────────────────────────────
   MOBILE NAV OVERLAY
───────────────────────────────────────── */
.mobile-nav {
  display: none;
  position: fixed; inset: 0; top: calc(var(--topbar-h) + var(--nav-h));
  background: var(--navy); z-index: 199;
  overflow-y: auto; padding: 1.5rem;
  flex-direction: column; gap: 0;
}
.mobile-nav.open { display: flex; }

.mobile-nav a {
  display: block; padding: 0.9rem 0.5rem;
  font-size: 1rem; font-weight: 500; color: rgba(255,255,255,0.82);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: color 0.15s;
}
.mobile-nav a:hover { color: var(--white); }
.mobile-nav .mob-section-label {
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold);
  padding: 1.25rem 0.5rem 0.4rem; border-bottom: none;
}
.mobile-nav .mob-sub a {
  padding-left: 1.25rem; font-size: 0.9rem;
  color: rgba(255,255,255,0.62);
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.mobile-nav .mob-sub a:hover { color: var(--white); }
.mobile-nav .mob-actions {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem;
  margin-top: 1.5rem; padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.mobile-nav .mob-actions .btn { width: 100%; padding: 0.85rem; font-size: 0.9rem; justify-content: center; }

/* ────────────────────────────────────────
   HERO
───────────────────────────────────────── */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy); min-height: 88vh;
  display: flex; align-items: center;
}
.hero-bg {
  position: absolute; inset: 0;
  background-image: url('img/images/main-slider/1.png');
  background-size: cover; background-position: center;
  opacity: 0.18;
}
.hero::before {
  content: '£';
  position: absolute; right: -2%; top: -10%;
  font-family: var(--font-display); font-size: clamp(200px, 30vw, 520px);
  font-weight: 400; color: rgba(255,255,255,0.03);
  line-height: 1; pointer-events: none; user-select: none;
}
.hero-content {
  position: relative; z-index: 2;
  width: 100%; max-width: var(--max-w); margin: 0 auto;
  padding: 4rem 1.5rem;
  display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 0.6rem;
  margin-bottom: 1.1rem; font-size: 0.75rem; font-weight: 600;
  letter-spacing: 0.14em; color: var(--gold); text-transform: uppercase;
  border-left: 3px solid var(--gold); padding-left: 0.7rem;
}
.hero-text h1 { color: var(--white); margin-bottom: 1.1rem; }
.hero-text h1 em { font-style: italic; color: var(--gold); }
.hero-text p  { color: rgba(255,255,255,0.65); font-size: 1rem; margin-bottom: 2rem; max-width: 460px; }
.hero-btns    { display: flex; gap: 0.75rem; flex-wrap: wrap; }
.hero-stats   { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.stat-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.09);
  border-radius: 8px; padding: 1.4rem 1.25rem; backdrop-filter: blur(4px);
}
.stat-card .num {
  font-family: var(--font-display); font-size: 2.4rem; font-weight: 400;
  color: var(--white); line-height: 1; margin-bottom: 0.3rem;
}
.stat-card .num em { color: var(--gold); font-style: normal; }
.stat-card .label  { font-size: 0.78rem; color: rgba(255,255,255,0.5); }

/* ────────────────────────────────────────
   SERVICES BAR
───────────────────────────────────────── */
.services-bar { background: var(--white); box-shadow: var(--shadow-md); }
.services-bar-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  display: grid; grid-template-columns: repeat(3,1fr);
}
.svc-item {
  display: flex; align-items: center; gap: 1.1rem;
  padding: 1.75rem 1.25rem;
  border-right: 1px solid var(--grey-light);
  text-decoration: none; transition: background 0.18s;
}
.svc-item:last-child { border-right: none; }
.svc-item:hover { background: var(--off-white); }
.svc-icon {
  width: 48px; height: 48px; border-radius: 50%;
  background: rgba(30,136,229,0.1);
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.svc-icon svg { width: 22px; height: 22px; stroke: var(--blue); fill: none; stroke-width: 1.8; }
.svc-text h4  { color: var(--navy); font-size: 0.925rem; margin-bottom: 0.15rem; }
.svc-text p   { font-size: 0.8rem; color: var(--grey); margin: 0; line-height: 1.4; }

/* ────────────────────────────────────────
   ABOUT
───────────────────────────────────────── */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.about-images { position: relative; }
.about-img-main { width: 75%; border-radius: 8px; box-shadow: var(--shadow-md); display: block; }
.about-img-accent {
  position: absolute; bottom: -2rem; right: 0;
  width: 48%; border-radius: 8px; box-shadow: var(--shadow-md); border: 4px solid var(--white);
}
.sec-label {
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--blue);
  margin-bottom: 0.7rem; display: block;
}
.about-text h2 { color: var(--navy); margin-bottom: 1.1rem; }
.about-text h2 em { color: var(--blue); font-style: italic; }
.about-text p { margin-bottom: 0.9rem; }

/* ────────────────────────────────────────
   PRODUCTS GRID
───────────────────────────────────────── */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem; margin-top: 2.5rem;
}
.product-card {
  border: 1px solid var(--grey-light); border-radius: 8px;
  padding: 1.75rem 1.4rem; background: var(--white);
  transition: box-shadow 0.2s, transform 0.2s; text-decoration: none;
  display: flex; flex-direction: column;
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.pc-icon {
  width: 46px; height: 46px; border-radius: 50%;
  background: rgba(30,136,229,0.09);
  display: flex; align-items: center; justify-content: center; margin-bottom: 1rem;
}
.pc-icon svg { width: 20px; height: 20px; stroke: var(--blue); fill: none; stroke-width: 1.8; }
.product-card h4 { color: var(--navy); margin-bottom: 0.45rem; font-size: 0.95rem; }
.product-card p  { font-size: 0.84rem; flex: 1; }
.pc-link {
  display: inline-flex; align-items: center; gap: 0.25rem;
  color: var(--blue); font-size: 0.82rem; font-weight: 600;
  margin-top: 1rem;
}

/* ────────────────────────────────────────
   CTA BAND
───────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 4rem 0; text-align: center; position: relative; overflow: hidden;
}
.cta-band::after {
  content: ''; position: absolute; right: -10%; top: -50%;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(30,136,229,0.15) 0%, transparent 70%);
  pointer-events: none;
}
.cta-band h2 { color: var(--white); margin-bottom: 0.7rem; }
.cta-band h2 em { color: var(--gold); font-style: italic; }
.cta-band p  { color: rgba(255,255,255,0.62); max-width: 480px; margin: 0 auto 1.75rem; }
.btn-row { display: flex; gap: 0.9rem; justify-content: center; flex-wrap: wrap; }

/* ────────────────────────────────────────
   NEWS
───────────────────────────────────────── */
.news-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 1.25rem; margin-top: 2.5rem;
}
.news-card { border-radius: 8px; overflow: hidden; box-shadow: var(--shadow); transition: box-shadow 0.2s; }
.news-card:hover { box-shadow: var(--shadow-md); }
.news-card img  { width: 100%; height: 190px; object-fit: cover; display: block; }
.news-body      { padding: 1.4rem; background: var(--white); }
.news-date      { font-size: 0.75rem; color: var(--blue); font-weight: 600; margin-bottom: 0.4rem; }
.news-body h4   { color: var(--navy); margin-bottom: 0.35rem; font-size: 1rem; }
.news-body p    { font-size: 0.84rem; }

/* ────────────────────────────────────────
   FOOTER
───────────────────────────────────────── */
.site-footer { background: var(--navy); }
.footer-main {
  max-width: var(--max-w); margin: 0 auto;
  padding: 3.5rem 1.5rem 2rem;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr; gap: 2.5rem;
}
.footer-brand img  { height: 34px; margin-bottom: 0.9rem; filter: brightness(0) invert(1); border-radius: 5px; display: block; }
.footer-brand p    { font-size: 0.85rem; line-height: 1.7; color: rgba(255,255,255,0.5); max-width: 270px; }
.footer-col h5 {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--white); margin-bottom: 1rem;
}
.footer-col ul     { list-style: none; }
.footer-col ul li  { margin-bottom: 0.55rem; }
.footer-col ul li a { font-size: 0.85rem; color: rgba(255,255,255,0.55); transition: color 0.18s; }
.footer-col ul li a:hover { color: var(--white); }
.footer-contact li {
  display: flex; gap: 0.65rem; align-items: flex-start;
  font-size: 0.85rem; color: rgba(255,255,255,0.55); margin-bottom: 0.8rem;
}
.footer-contact li svg { width: 14px; height: 14px; stroke: var(--gold); fill: none; stroke-width: 2; flex-shrink: 0; margin-top: 3px; }
.footer-contact li a   { color: rgba(255,255,255,0.55); }
.footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.08); margin: 0 1.5rem; }
.footer-bottom {
  max-width: var(--max-w); margin: 0 auto;
  padding: 1.1rem 1.5rem;
  display: flex; justify-content: space-between; align-items: center;
  font-size: 0.78rem; color: rgba(255,255,255,0.3);
}
.footer-bottom a { color: rgba(255,255,255,0.4); }

/* ────────────────────────────────────────
   PAGE HERO (inner pages)
───────────────────────────────────────── */
.page-hero {
  background: var(--navy); position: relative; overflow: hidden;
  padding: 4.5rem 0 3.5rem;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0;
  background-image: url('img/images/background/8.jpg');
  background-size: cover; background-position: center; opacity: 0.1;
}
.page-hero-content { position: relative; z-index: 2; max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem; }
.page-hero h1     { color: var(--white); }
.page-hero h1 em  { color: var(--gold); font-style: italic; }
.breadcrumb {
  display: flex; gap: 0.4rem; align-items: center; list-style: none; margin-top: 0.6rem; flex-wrap: wrap;
}
.breadcrumb li             { font-size: 0.78rem; color: rgba(255,255,255,0.45); }
.breadcrumb li a           { color: rgba(255,255,255,0.6); transition: color 0.18s; }
.breadcrumb li a:hover     { color: var(--white); }
.breadcrumb li + li::before { content: '/'; margin-right: 0.4rem; }

/* ────────────────────────────────────────
   INNER PAGE LAYOUT
───────────────────────────────────────── */
.inner-layout {
  display: grid; grid-template-columns: 210px 1fr; gap: 3rem;
  max-width: var(--max-w); margin: 0 auto; padding: 3.5rem 1.5rem;
}
.sidebar-nav h5 {
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--grey); margin-bottom: 0.6rem;
}
.sidebar-nav { list-style: none; }
.sidebar-nav li a {
  display: block; padding: 0.6rem 0.9rem;
  font-size: 0.875rem; color: var(--grey);
  border-radius: var(--radius); transition: all 0.15s;
  border-left: 3px solid transparent;
}
.sidebar-nav li a:hover { background: var(--off-white); color: var(--navy); }
.sidebar-nav li a.active {
  background: rgba(30,136,229,0.08); color: var(--blue);
  border-left-color: var(--blue); font-weight: 600;
}

/* ────────────────────────────────────────
   CONTENT BLOCKS
───────────────────────────────────────── */
.content-section { margin-bottom: 2.5rem; }
.content-section h2 { color: var(--navy); margin-bottom: 0.4rem; }
.content-section .sub-label {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--blue); margin-bottom: 1.25rem; display: block;
}
.content-section p { margin-bottom: 0.9rem; }

.product-block {
  border-radius: 8px; background: var(--off-white);
  padding: 1.6rem 1.75rem; margin-bottom: 1.25rem;
  border-left: 4px solid var(--blue);
}
.product-block h4 {
  color: var(--navy); font-size: 0.95rem; font-weight: 700;
  display: flex; align-items: center; gap: 0.55rem; margin-bottom: 0.8rem;
}
.product-block h4 svg { width: 17px; height: 17px; stroke: var(--blue); fill: none; stroke-width: 2; flex-shrink: 0; }
.product-block p   { font-size: 0.875rem; margin-bottom: 0.7rem; }
.product-block ul  { list-style: none; padding: 0; }
.product-block ul li {
  font-size: 0.875rem; color: var(--text);
  padding: 0.28rem 0 0.28rem 1.1rem; position: relative; line-height: 1.55;
}
.product-block ul li::before { content: '—'; position: absolute; left: 0; color: var(--blue); font-weight: 700; }

/* About full-width */
.about-full-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4.5rem; align-items: start; }

/* Contact */
.contact-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.5rem; margin-top: 2.5rem; }
.contact-card  { border-radius: 8px; background: var(--off-white); padding: 2.25rem 1.75rem; border-top: 4px solid var(--blue); display:flex; flex-direction:column; }
.contact-card h4 { color: var(--navy); margin-bottom: 1.1rem; font-size: 1.1rem; }
.contact-info-list { list-style: none; }
.contact-info-list li { display: flex; gap: 0.7rem; align-items: flex-start; margin-bottom: 0.85rem; font-size: 0.875rem; }
.contact-info-list li svg { width: 15px; height: 15px; stroke: var(--blue); fill: none; stroke-width: 2; margin-top: 2px; flex-shrink: 0; }
.contact-info-list li a { color: var(--text); }

/* ────────────────────────────────────────
   RESPONSIVE — TABLET  (≤ 1024px)
───────────────────────────────────────── */
@media (max-width: 1024px) {
  .products-grid { grid-template-columns: repeat(2,1fr); }
  .footer-main   { grid-template-columns: 1fr 1fr; }
  .news-grid     { grid-template-columns: repeat(2,1fr); }
}

/* ────────────────────────────────────────
   RESPONSIVE — MOBILE  (≤ 768px)
───────────────────────────────────────── */
@media (max-width: 768px) {

  /* Hide desktop nav elements, show hamburger */
  .nav-menu,
  .nav-actions { display: none !important; }
  .nav-toggle  { display: flex; flex-direction: column; }

  /* Hero: single column */
  .hero { min-height: auto; }
  .hero-content {
    grid-template-columns: 1fr; gap: 2rem;
    padding: 3rem 1.25rem 2.5rem;
  }
  .hero::before { display: none; }
  .hero-stats   { display: none; }

  /* Hero buttons: side by side, equal width */
  .hero-btns    { display: grid; grid-template-columns: 1fr 1fr; gap: 0.65rem; }
  .hero-btns .btn { width: 100%; justify-content: center; padding: 0.75rem 0.5rem; font-size: 0.82rem; }

  /* Services: stack */
  .services-bar-inner {
    grid-template-columns: 1fr;
  }
  .svc-item { border-right: none; border-bottom: 1px solid var(--grey-light); padding: 1.25rem 1rem; }
  .svc-item:last-child { border-bottom: none; }

  /* About: show image on top, stacked */
  .about-grid { grid-template-columns: 1fr; gap: 2rem; }
  .about-images { display: block; }
  .about-img-main { width: 100%; border-radius: 8px; }
  .about-img-accent { display: none; }
  .about-full-grid { grid-template-columns: 1fr; }

  /* Products: single col */
  .products-grid { grid-template-columns: 1fr; }

  /* News: single col */
  .news-grid { grid-template-columns: 1fr; }

  /* Footer: single col */
  .footer-main { grid-template-columns: 1fr; gap: 2rem; padding: 2.5rem 1.25rem 1.5rem; }
  .footer-bottom { flex-direction: column; gap: 0.35rem; text-align: center; }

  /* Inner layout: no sidebar */
  .inner-layout { grid-template-columns: 1fr; padding: 2rem 1.25rem; }
  .inner-sidebar { display: none; }

  /* Section padding */
  .section { padding: 3rem 0; }

  /* Top bar: shorter */
  :root { --topbar-h: 36px; }
  .top-bar-inner { font-size: 0.72rem; gap: 1rem; }

  /* CTA */
  .btn-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.65rem; padding: 0 1.25rem; }
  .btn-row .btn { width: 100%; justify-content: center; padding: 0.75rem 0.5rem; font-size: 0.82rem; }

  /* Page hero */
  .page-hero { padding: 3rem 0 2.5rem; }
}

/* ────────────────────────────────────────
   RESPONSIVE — SMALL MOBILE (≤ 480px)
───────────────────────────────────────── */
@media (max-width: 480px) {
  h1 { font-size: 1.9rem; }
  h2 { font-size: 1.5rem; }
  .container { padding: 0 1rem; }
  .product-block { padding: 1.25rem 1.1rem; }
  .news-grid { grid-template-columns: 1fr; }
}

/* ────────────────────────────────────────
   PHOTO CARDS SECTION (Section 1 from screenshot)
───────────────────────────────────────── */
.photo-cards-section { padding: 4.5rem 0; background: var(--white); }
.photo-cards-header { text-align: center; margin-bottom: 3rem; }
.photo-cards-header .sec-label { margin-bottom: 0.5rem; }
.photo-cards-header h2 {
  color: var(--navy); font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  font-weight: 700; font-family: var(--font-body); max-width: 640px; margin: 0 auto 1rem;
}
.photo-cards-header .divider {
  width: 48px; height: 3px; background: var(--navy); border-radius: 2px; margin: 0 auto;
}
.photo-cards-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
}
.photo-card {
  border-radius: 14px; overflow: hidden;
  box-shadow: 0 4px 20px rgba(10,22,40,0.1);
  transition: transform 0.22s, box-shadow 0.22s;
  text-decoration: none; display: block;
}
.photo-card:hover { transform: translateY(-5px); box-shadow: 0 12px 36px rgba(10,22,40,0.18); }
.photo-card-img {
  position: relative; height: 240px; overflow: hidden;
}
.photo-card-img img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  transition: transform 0.35s;
}
.photo-card:hover .photo-card-img img { transform: scale(1.04); }
.photo-card-img::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(18, 42, 100, 0.52);
}
.photo-card-icon {
  position: absolute; top: 50%; left: 50%; z-index: 2;
  transform: translate(-50%, -50%);
  width: 56px; height: 56px;
  display: flex; align-items: center; justify-content: center;
}
.photo-card-icon svg {
  width: 48px; height: 48px; stroke: rgba(255,255,255,0.92);
  fill: none; stroke-width: 1.5;
}
.photo-card-body {
  padding: 1.25rem 1.4rem 1.5rem;
  background: var(--white);
}
.photo-card-body h4 {
  color: var(--navy); font-size: 1rem; font-weight: 700;
  font-family: var(--font-body); margin: 0;
  transition: color 0.18s;
}
.photo-card:hover .photo-card-body h4 { color: var(--blue); }

/* ────────────────────────────────────────
   SERVICES CARDS SECTION (Section 2 from screenshot)
───────────────────────────────────────── */
.services-cards-section { padding: 4.5rem 0; background: #f0f3fa; }
.services-cards-header { text-align: center; margin-bottom: 3rem; }
.services-cards-header h2 {
  color: var(--navy); font-size: clamp(1.5rem, 2.5vw, 2rem);
  font-weight: 700; font-family: var(--font-body); margin-bottom: 0.6rem;
}
.services-cards-header p { color: var(--grey); max-width: 520px; margin: 0 auto; }
.services-cards-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem;
}
.service-card {
  background: var(--white); border-radius: 14px;
  padding: 2.5rem 1.75rem 2rem;
  box-shadow: 0 2px 12px rgba(10,22,40,0.06);
  display: flex; flex-direction: column; align-items: center;
  text-align: center; text-decoration: none;
  transition: box-shadow 0.22s, transform 0.22s;
}
.service-card:hover { box-shadow: 0 10px 32px rgba(10,22,40,0.13); transform: translateY(-4px); }
.service-card-icon {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.4rem; flex-shrink: 0;
  transition: background 0.18s;
}
.service-card:hover .service-card-icon { background: var(--blue); }
.service-card-icon svg { width: 30px; height: 30px; stroke: #fff; fill: none; stroke-width: 1.8; }
.service-card h4 {
  color: var(--navy); font-size: 1rem; font-weight: 700;
  font-family: var(--font-body); margin-bottom: 0.6rem;
  transition: color 0.18s;
}
.service-card:hover h4 { color: var(--blue); }
.service-card p { font-size: 0.875rem; color: var(--grey); line-height: 1.6; flex: 1; margin-bottom: 1.5rem; }
.service-card-btn {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  transition: background 0.18s;
}
.service-card:hover .service-card-btn { background: var(--blue); }
.service-card-btn svg { width: 18px; height: 18px; stroke: #fff; fill: none; stroke-width: 2.5; }

@media (max-width: 768px) {
  .photo-cards-grid   { grid-template-columns: 1fr; }
  .services-cards-grid { grid-template-columns: 1fr; }
  .photo-card-img { height: 200px; }
}
@media (max-width: 1024px) {
  .photo-cards-grid   { grid-template-columns: repeat(2, 1fr); }
  .services-cards-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ────────────────────────────────────────
   WHY CHOOSE US — trust pillars
───────────────────────────────────────── */
.trust-bar { background: var(--navy); padding: 2.5rem 0; }
.trust-grid {
  display: grid; grid-template-columns: repeat(4,1fr); gap: 0;
}
.trust-item {
  display: flex; flex-direction: column; align-items: center; text-align: center;
  padding: 1.5rem 1.25rem;
  border-right: 1px solid rgba(255,255,255,0.08);
}
.trust-item:last-child { border-right: none; }
.trust-icon {
  width: 52px; height: 52px; border-radius: 50%;
  background: rgba(30,136,229,0.18);
  display: flex; align-items: center; justify-content: center; margin-bottom: 0.9rem;
}
.trust-icon svg { width: 24px; height: 24px; stroke: var(--blue); fill: none; stroke-width: 1.8; }
.trust-item h4 { color: var(--white); font-size: 0.92rem; font-weight: 700; margin-bottom: 0.3rem; }
.trust-item p  { font-size: 0.78rem; color: rgba(255,255,255,0.5); margin: 0; line-height: 1.4; }

/* ────────────────────────────────────────
   HOW IT WORKS — 3-step onboarding
───────────────────────────────────────── */
.how-section { padding: 4.5rem 0; background: var(--off-white); }
.how-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 0; margin-top: 3rem; position: relative;
}
.how-grid::before {
  content: ''; position: absolute;
  top: 36px; left: calc(16.66% + 18px); right: calc(16.66% + 18px);
  height: 2px; background: var(--grey-light); z-index: 0;
}
.how-step {
  display: flex; flex-direction: column; align-items: center;
  text-align: center; padding: 0 2rem; position: relative; z-index: 1;
}
.how-num {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--white); border: 2px solid var(--grey-light);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.4rem; position: relative; flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(10,22,40,0.08);
  transition: border-color 0.2s, background 0.2s;
}
.how-step:hover .how-num { border-color: var(--blue); background: var(--blue); }
.how-num svg { width: 28px; height: 28px; stroke: var(--navy); fill: none; stroke-width: 1.7; transition: stroke 0.2s; }
.how-step:hover .how-num svg { stroke: var(--white); }
.how-badge {
  position: absolute; top: -8px; right: -8px;
  width: 24px; height: 24px; border-radius: 50%;
  background: var(--gold); color: var(--navy);
  font-size: 0.7rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-body);
}
.how-step h4 { color: var(--navy); font-size: 1rem; font-weight: 700; margin-bottom: 0.5rem; }
.how-step p  { font-size: 0.86rem; color: var(--grey); max-width: 200px; }

/* ────────────────────────────────────────
   LIVE RATES TICKER
───────────────────────────────────────── */
.rates-bar { background: var(--navy-mid); padding: 0; overflow: hidden; border-top: 1px solid rgba(255,255,255,0.06); }
.rates-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  display: flex; align-items: stretch; gap: 0;
}
.rates-label {
  display: flex; align-items: center; gap: 0.5rem;
  padding: 0.9rem 1.5rem 0.9rem 0;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--gold);
  border-right: 1px solid rgba(255,255,255,0.1); white-space: nowrap; flex-shrink: 0;
}
.rates-label svg { width: 14px; height: 14px; stroke: var(--gold); fill: none; stroke-width: 2; }
.rates-scroll { display: flex; align-items: center; gap: 0; overflow: hidden; flex: 1; }
.rates-track {
  display: flex; align-items: center; gap: 0;
  animation: ticker 28s linear infinite;
  white-space: nowrap;
}
.rates-scroll:hover .rates-track { animation-play-state: paused; }
@keyframes ticker { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }
.rate-item {
  display: flex; align-items: center; gap: 0.5rem;
  padding: 0.9rem 2rem;
  border-right: 1px solid rgba(255,255,255,0.07);
  font-size: 0.8rem; color: rgba(255,255,255,0.7);
}
.rate-item .rate-name { font-weight: 500; color: rgba(255,255,255,0.55); }
.rate-item .rate-val  { font-weight: 700; color: var(--white); font-size: 0.88rem; }
.rate-item .rate-up   { color: #4ade80; font-size: 0.72rem; }
.rate-item .rate-down { color: #f87171; font-size: 0.72rem; }

/* ────────────────────────────────────────
   TESTIMONIALS
───────────────────────────────────────── */
.testimonials-section { padding: 4.5rem 0; background: var(--white); }
.testimonials-grid {
  display: grid; grid-template-columns: repeat(3,1fr);
  gap: 1.5rem; margin-top: 3rem;
}
.testimonial-card {
  background: var(--off-white); border-radius: 12px;
  padding: 2rem 1.75rem; position: relative;
  border-bottom: 3px solid transparent;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.testimonial-card:hover { border-bottom-color: var(--blue); box-shadow: var(--shadow-md); }
.testimonial-quote {
  font-size: 3rem; line-height: 1; color: var(--blue);
  opacity: 0.2; font-family: Georgia, serif;
  position: absolute; top: 1rem; left: 1.5rem;
}
.testimonial-text {
  font-size: 0.9rem; color: var(--text); line-height: 1.7;
  margin-bottom: 1.5rem; padding-top: 1rem; font-style: italic;
}
.testimonial-author { display: flex; align-items: center; gap: 0.85rem; }
.testimonial-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy); display: flex; align-items: center; justify-content: center;
  font-family: var(--font-body); font-size: 0.9rem; font-weight: 700;
  color: var(--white); flex-shrink: 0;
}
.testimonial-name  { font-size: 0.88rem; font-weight: 700; color: var(--navy); }
.testimonial-role  { font-size: 0.78rem; color: var(--grey); }
.testimonial-stars { color: var(--gold); font-size: 0.78rem; letter-spacing: 1px; margin-bottom: 0.2rem; }

/* ────────────────────────────────────────
   SECURITY / TRUST BADGES
───────────────────────────────────────── */
.security-bar { background: var(--off-white); border-top: 1px solid var(--grey-light); padding: 1.75rem 0; }
.security-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 1.5rem;
  display: flex; align-items: center; justify-content: center;
  gap: 2.5rem; flex-wrap: wrap;
}
.security-badge {
  display: flex; align-items: center; gap: 0.6rem;
  font-size: 0.78rem; font-weight: 600; color: var(--grey);
}
.security-badge svg { width: 20px; height: 20px; stroke: var(--navy); fill: none; stroke-width: 1.8; flex-shrink: 0; }
.security-divider { width: 1px; height: 28px; background: var(--grey-light); }

/* ── Responsive additions ── */
@media (max-width: 1024px) {
  .trust-grid { grid-template-columns: repeat(2,1fr); }
  .testimonials-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.08); padding: 1.25rem; }
  .trust-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,0.08); }
  .how-grid { grid-template-columns: 1fr; gap: 2rem; }
  .how-grid::before { display: none; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .security-inner { gap: 1.25rem; }
  .security-divider { display: none; }
  .rates-label { display: none; }
}

/* ────────────────────────────────────────
   COOKIE CONSENT BANNER
───────────────────────────────────────── */
.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999;
  background: var(--navy); border-top: 3px solid var(--blue);
  padding: 1.25rem 1.5rem;
  box-shadow: 0 -4px 24px rgba(0,0,0,0.3);
  transform: translateY(100%);
  transition: transform 0.35s ease;
}
.cookie-banner.show { transform: translateY(0); }
.cookie-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; align-items: center; gap: 1.5rem; flex-wrap: wrap;
}
.cookie-text { flex: 1; min-width: 260px; }
.cookie-text p {
  font-size: 0.85rem; color: rgba(255,255,255,0.78);
  margin: 0; line-height: 1.6;
}
.cookie-text a { color: var(--gold); text-decoration: underline; }
.cookie-actions { display: flex; gap: 0.75rem; flex-shrink: 0; flex-wrap: wrap; }
.cookie-actions .btn { padding: 0.55rem 1.25rem; font-size: 0.82rem; }
.btn-cookie-accept { background: var(--blue); color: #fff; border-color: var(--blue); }
.btn-cookie-accept:hover { background: var(--blue-dark); }
.btn-cookie-decline { background: transparent; color: rgba(255,255,255,0.65); border-color: rgba(255,255,255,0.3); }
.btn-cookie-decline:hover { border-color: rgba(255,255,255,0.6); color: #fff; }
.btn-cookie-settings { background: transparent; color: rgba(255,255,255,0.55); border: none; font-size: 0.78rem; padding: 0.4rem 0.6rem; text-decoration: underline; cursor: pointer; font-family: var(--font-body); }
@media (max-width: 600px) {
  .cookie-inner { flex-direction: column; align-items: flex-start; }
  .cookie-actions { width: 100%; }
  .cookie-actions .btn { flex: 1; text-align: center; }
}

/* Cookie settings modal */
.cookie-modal-overlay {
  position: fixed; inset: 0; z-index: 10000;
  background: rgba(10,22,40,0.7); backdrop-filter: blur(3px);
  display: none; align-items: center; justify-content: center; padding: 1rem;
}
.cookie-modal-overlay.open { display: flex; }
.cookie-modal {
  background: #fff; border-radius: 12px; width: 100%; max-width: 480px;
  box-shadow: 0 24px 64px rgba(0,0,0,0.3); overflow: hidden;
}
.cookie-modal-header {
  background: var(--navy); padding: 1.25rem 1.5rem;
  display: flex; align-items: center; justify-content: space-between;
}
.cookie-modal-header h4 { color: #fff; font-size: 1rem; margin: 0; }
.cookie-modal-close {
  background: none; border: none; color: rgba(255,255,255,0.6);
  cursor: pointer; font-size: 1.4rem; line-height: 1; padding: 0;
}
.cookie-modal-body { padding: 1.5rem; }
.cookie-toggle-row {
  display: flex; align-items: flex-start; justify-content: space-between;
  gap: 1rem; padding: 1rem 0; border-bottom: 1px solid var(--grey-light);
}
.cookie-toggle-row:last-of-type { border-bottom: none; }
.cookie-toggle-info h5 { font-size: 0.9rem; color: var(--navy); margin-bottom: 0.2rem; }
.cookie-toggle-info p  { font-size: 0.8rem; color: var(--grey); margin: 0; line-height: 1.5; }
.cookie-toggle {
  position: relative; width: 44px; height: 24px; flex-shrink: 0; margin-top: 2px;
}
.cookie-toggle input { opacity: 0; width: 0; height: 0; position: absolute; }
.cookie-toggle-slider {
  position: absolute; inset: 0; border-radius: 24px;
  background: var(--grey-light); cursor: pointer; transition: background 0.2s;
}
.cookie-toggle-slider::before {
  content: ''; position: absolute;
  width: 18px; height: 18px; left: 3px; top: 3px;
  border-radius: 50%; background: #fff;
  transition: transform 0.2s; box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.cookie-toggle input:checked + .cookie-toggle-slider { background: var(--blue); }
.cookie-toggle input:checked + .cookie-toggle-slider::before { transform: translateX(20px); }
.cookie-toggle input:disabled + .cookie-toggle-slider { opacity: 0.6; cursor: not-allowed; }
.cookie-modal-footer {
  padding: 1rem 1.5rem; border-top: 1px solid var(--grey-light);
  display: flex; gap: 0.75rem; justify-content: flex-end;
}

/* Contact cards responsive */
@media (max-width: 1024px) {
  .contact-cards { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .contact-cards { grid-template-columns: 1fr; }
}