:root{
  --bg:#f4f6fa;--bg2:#eaecf2;--bg3:#dde0ea;
  --white:#ffffff;--ink:#0a0e1a;--ink2:#1e2a3a;
  --muted:#5a6478;--muted2:#9aa0ae;
  --border:#d4d8e2;--border2:#bcc0cc;
  --navy:#0f2d5a;--navy2:#163872;--navy3:#1d4490;
  --navy-lt:#e8eef8;--navy-lt2:#d0dcf0;
  --red:#c0392b;--red2:#a93226;--red-lt:#fdecea;--red-lt2:#f5c6c2;
  --gold:#b8860b;--gold2:#d4a017;
  --dark:#060c18;--dark2:#0d1830;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',sans-serif;background:var(--bg);color:var(--ink);font-size:15px;line-height:1.7}
h1,h2,h3,h4{font-family:'EB Garamond',serif}
img{max-width:100%;display:block}
a{text-decoration:none}

/* TOPBAR */
.topbar{background:var(--navy);height:62px;display:flex;align-items:center;justify-content:space-between;padding:0 48px;position:sticky;top:0;z-index:500;border-bottom:1px solid rgba(255,255,255,.08)}
.t-logo{display:flex;align-items:center;gap:12px;cursor:pointer;user-select:none;text-decoration:none}
.t-logo-emblem{width:34px;height:34px;background:var(--red);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.t-logo-emblem span{font-family:'EB Garamond',serif;font-size:18px;font-weight:600;color:#fff;line-height:1}
.t-logo-name{font-family:'EB Garamond',serif;font-size:17px;font-weight:400;color:#fff;letter-spacing:.2px}
.t-nav{display:flex;align-items:center}
.t-nav a{color:rgba(255,255,255,.55);font-size:11.5px;font-weight:500;letter-spacing:1.2px;text-transform:uppercase;padding:8px 14px;transition:color .2s;text-decoration:none;border-bottom:2px solid transparent;white-space:nowrap}
.t-nav a:hover{color:rgba(255,255,255,.9)}
.t-nav a.active{color:#fff;border-bottom-color:var(--red)}
.t-btn{background:var(--red);border:none;color:#fff;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;padding:9px 20px;cursor:pointer;transition:all .2s;white-space:nowrap;text-decoration:none;display:inline-block}
.t-btn:hover{background:var(--red2)}
.t-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:5px;background:none;border:none}
.t-burger span{display:block;width:22px;height:1.5px;background:rgba(255,255,255,.8);transition:all .3s}
.t-burger.open span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.t-burger.open span:nth-child(2){opacity:0}
.t-burger.open span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
.mobile-drawer{display:none;position:fixed;top:62px;left:0;right:0;background:var(--navy);z-index:490;border-bottom:1px solid rgba(255,255,255,.1);padding:10px 0 16px;box-shadow:0 12px 32px rgba(0,0,0,.4)}
.mobile-drawer.open{display:block}
.mobile-drawer a{display:block;color:rgba(255,255,255,.65);font-size:13px;font-weight:500;letter-spacing:1px;text-transform:uppercase;padding:13px 24px;text-decoration:none;border-left:3px solid transparent}
.mobile-drawer a:hover,.mobile-drawer a.active{color:#fff;border-left-color:var(--red);background:rgba(255,255,255,.04)}
.mobile-signon{display:block;margin:12px 20px 2px;background:var(--red);color:#fff;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:2px;text-transform:uppercase;padding:13px;text-align:center;border:none;cursor:pointer;width:calc(100% - 40px)}

/* HERO */
.hero{background:var(--navy);padding:88px 48px 64px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;right:-40px;top:-40px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(255,255,255,.05);pointer-events:none}
.hero-kicker{font-size:10px;font-weight:600;letter-spacing:3.5px;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:20px;display:flex;align-items:center;gap:14px}
.hero-kicker::after{content:'';width:28px;height:1px;background:var(--red)}
.hero h1{font-size:clamp(38px,5vw,68px);font-weight:400;color:#fff;line-height:1.06;letter-spacing:-.5px;max-width:680px;margin-bottom:22px}
.hero h1 em{font-style:italic;color:rgba(255,255,255,.7)}
.hero-body{font-size:15px;font-weight:300;color:rgba(255,255,255,.55);max-width:500px;line-height:1.9}
.hero-rule{width:40px;height:1px;background:var(--red);margin:28px 0}
.hero-staff{display:flex;flex-wrap:wrap;gap:16px}
.hero-staff-item{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.38);font-weight:300}
.hero-staff-av{width:26px;height:26px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;font-size:10px;color:rgba(255,255,255,.6);font-weight:600}

/* OFFERINGS — bank card style */
.offerings{background:var(--white);border-bottom:1px solid var(--border)}
.offerings-inner{display:grid;grid-template-columns:repeat(4,1fr)}
.offering{padding:28px 22px;border-right:1px solid var(--border);transition:all .2s;position:relative;cursor:default}
.offering:last-child{border-right:none}
.offering:hover{background:var(--navy-lt)}
.offering-label{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:var(--muted2);margin-bottom:8px}
.offering-title{font-family:'EB Garamond',serif;font-size:18px;font-weight:500;color:var(--ink);margin-bottom:7px}
.offering-body{font-size:12px;font-weight:300;color:var(--muted);line-height:1.75}
.offering-cta{font-size:11px;font-weight:600;letter-spacing:.8px;color:var(--navy2);margin-top:12px;display:flex;align-items:center;gap:5px;text-transform:uppercase;text-decoration:none;transition:gap .2s}
.offering:hover .offering-cta{gap:9px}
.offering-stripe{position:absolute;top:0;left:0;right:0;height:3px;background:var(--navy);opacity:0;transition:opacity .2s}
.offering:hover .offering-stripe{opacity:1}

/* CARD VISUAL SECTION — mobile banking feel */
.card-visual-section{background:var(--dark);padding:72px 48px;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.card-visual-left h2{font-size:clamp(26px,3.2vw,42px);font-weight:400;color:#fff;line-height:1.12;margin-bottom:16px}
.card-visual-left p{font-size:13.5px;font-weight:300;color:rgba(255,255,255,.5);line-height:1.9;margin-bottom:24px}
.card-visual-left-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:4px}
.cvl-tag{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);color:rgba(255,255,255,.6);font-size:11px;padding:5px 13px;border-radius:20px}
.card-visual-right{display:flex;flex-direction:column;gap:14px;align-items:center}
/* Simulated bank card */
.bank-card{width:100%;max-width:340px;height:196px;border-radius:14px;padding:22px 24px;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:space-between;box-shadow:0 20px 48px rgba(0,0,0,.4)}
.bank-card.primary{background:linear-gradient(135deg,var(--navy) 0%,var(--navy3) 100%)}
.bank-card.secondary{background:linear-gradient(135deg,#1a1a2e 0%,#16213e 100%);transform:scale(.94);opacity:.75}
.bank-card::before{content:'';position:absolute;right:-30px;top:-30px;width:160px;height:160px;border-radius:50%;background:rgba(255,255,255,.04)}
.bank-card::after{content:'';position:absolute;right:20px;bottom:-40px;width:120px;height:120px;border-radius:50%;background:rgba(255,255,255,.03)}
.bc-top{display:flex;justify-content:space-between;align-items:flex-start;position:relative;z-index:1}
.bc-logo{font-family:'EB Garamond',serif;font-size:14px;font-weight:500;color:rgba(255,255,255,.9);letter-spacing:.5px}
.bc-chip{width:34px;height:26px;border-radius:4px;background:linear-gradient(135deg,#d4a017,#f0c040);opacity:.9}
.bc-number{font-family:monospace;font-size:14px;letter-spacing:3px;color:rgba(255,255,255,.7);position:relative;z-index:1;margin:8px 0}
.bc-bottom{display:flex;justify-content:space-between;align-items:flex-end;position:relative;z-index:1}
.bc-name{font-size:11px;font-weight:500;color:rgba(255,255,255,.75);letter-spacing:1px;text-transform:uppercase}
.bc-network{display:flex;gap:-4px}
.bc-circle{width:24px;height:24px;border-radius:50%;opacity:.85}
.bc-circle:first-child{background:#eb001b;margin-right:-8px}
.bc-circle:last-child{background:#f79e1b}
/* Phone mockup */
.phone-mockup{width:160px;height:300px;background:#1a1a2e;border-radius:28px;border:6px solid #2a2a3e;overflow:hidden;margin:0 auto;box-shadow:0 20px 48px rgba(0,0,0,.5);position:relative}
.phone-screen{background:#f4f6fa;height:100%;display:flex;flex-direction:column;overflow:hidden}
.phone-statusbar{background:var(--navy);height:28px;display:flex;align-items:center;justify-content:space-between;padding:0 12px;flex-shrink:0}
.phone-statusbar span{font-size:8px;color:rgba(255,255,255,.7);font-weight:600}
.phone-nav{background:var(--navy);padding:8px 12px 10px;flex-shrink:0}
.phone-nav-name{font-family:'EB Garamond',serif;font-size:11px;color:#fff}
.phone-balance-card{background:var(--navy);margin:8px;border-radius:8px;padding:10px 12px;border-left:3px solid var(--red)}
.phone-balance-label{font-size:7px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:3px}
.phone-balance-amount{font-family:'EB Garamond',serif;font-size:16px;color:#fff;line-height:1}
.phone-balance-sub{font-size:7px;color:rgba(255,255,255,.4);margin-top:3px}
.phone-actions{display:grid;grid-template-columns:1fr 1fr 1fr;gap:4px;margin:6px 8px}
.phone-action{background:var(--white);border-radius:5px;padding:7px 4px;text-align:center}
.phone-action-icon{font-size:11px;margin-bottom:2px}
.phone-action-label{font-size:6px;color:var(--navy);font-weight:600}
.phone-txs{padding:0 8px;flex:1}
.phone-tx-title{font-size:7px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--muted2);margin-bottom:6px}
.phone-tx{display:flex;justify-content:space-between;align-items:center;padding:5px 0;border-bottom:1px solid var(--border)}
.phone-tx-desc{font-size:7px;color:var(--ink2);font-weight:400}
.phone-tx-date{font-size:6px;color:var(--muted2)}
.phone-tx-amt{font-size:7px;font-weight:600}
.phone-tx-amt.pos{color:#1a6640}
.phone-tx-amt.neg{color:var(--red2)}

/* PILLARS */
.pillars-section{padding:72px 48px;background:var(--bg)}
.pillars-hdr{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:end;margin-bottom:44px}
.pillars-hdr h2{font-size:clamp(26px,3.5vw,44px);font-weight:400;line-height:1.1;color:var(--dark)}
.pillars-hdr p{font-size:13.5px;font-weight:300;color:var(--muted);line-height:1.9}
.pillars-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border)}
.pillar{background:var(--white);padding:32px 26px;transition:background .2s;border-top:3px solid transparent;transition:all .2s}
.pillar:hover{background:var(--navy);border-top-color:var(--red)}
.pillar:hover .pl-num,.pillar:hover h3,.pillar:hover p{color:rgba(255,255,255,.88)}
.pl-num{font-family:'EB Garamond',serif;font-size:42px;font-weight:400;color:var(--border2);line-height:1;margin-bottom:14px;transition:color .2s}
.pillar h3{font-size:19px;font-weight:500;margin-bottom:9px;color:var(--dark);transition:color .2s}
.pillar p{font-size:13px;font-weight:300;color:var(--muted);line-height:1.85;transition:color .2s}

/* HUMAN SECTION */
.human-section{display:grid;grid-template-columns:1fr 1fr;background:var(--white)}
.human-photo{position:relative;overflow:hidden;min-height:460px}
.human-photo img{width:100%;height:100%;object-fit:cover;object-position:center 30%;display:block}
.human-photo-caption{position:absolute;bottom:0;left:0;right:0;padding:12px 18px;background:linear-gradient(to top,rgba(10,14,26,.65),transparent);font-size:10px;color:rgba(255,255,255,.55);letter-spacing:.5px}
.human-text{padding:56px 48px;display:flex;flex-direction:column;justify-content:center}
.human-text h2{font-size:clamp(24px,2.8vw,36px);font-weight:400;color:var(--dark);margin-bottom:18px;line-height:1.15}
.human-text p{font-size:13px;font-weight:300;color:var(--muted);line-height:1.9;margin-bottom:13px}
.human-sigs{display:flex;flex-direction:column;gap:12px;margin-top:24px;padding-top:22px;border-top:1px solid var(--border)}
.sig-item{display:flex;align-items:center;gap:12px}
.sig-av{width:38px;height:38px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;font-family:'EB Garamond',serif;font-size:14px;color:#fff;flex-shrink:0}
.sig-name{font-size:13px;font-weight:500;color:var(--dark)}
.sig-role{font-size:11px;color:var(--muted);font-weight:300;margin-top:1px}
.eyebrow{font-size:10px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--red);margin-bottom:14px;display:flex;align-items:center;gap:10px}
.eyebrow::before{content:'';width:16px;height:1px;background:var(--red)}

/* FEATURE STRIP */
.feature-strip{background:var(--dark2);padding:64px 48px}
.feature-strip-inner{display:grid;grid-template-columns:1fr 2fr;gap:72px;align-items:center}
.feature-strip-left h2{font-size:clamp(24px,2.8vw,38px);font-weight:400;color:#fff;line-height:1.15;margin-bottom:14px}
.feature-strip-left p{font-size:13px;font-weight:300;color:rgba(255,255,255,.45);line-height:1.9}
.feature-strip-right{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.06)}
.feat{background:rgba(255,255,255,.04);padding:26px 22px;transition:background .2s}
.feat:hover{background:rgba(255,255,255,.08)}
.feat-icon{font-size:19px;margin-bottom:12px;opacity:.65}
.feat h4{font-family:'EB Garamond',serif;font-size:16px;font-weight:500;color:#fff;margin-bottom:6px}
.feat p{font-size:12px;font-weight:300;color:rgba(255,255,255,.38);line-height:1.8}

/* STATS */
.stats-row{background:var(--navy);padding:48px;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.08)}
.stat-item{padding:0 24px;border-right:1px solid rgba(255,255,255,.12);text-align:center}
.stat-item:first-child{padding-left:0}
.stat-item:last-child{border-right:none}
.stat-val{font-family:'EB Garamond',serif;font-size:38px;font-weight:400;color:#fff;line-height:1}
.stat-label{font-size:10px;font-weight:400;letter-spacing:1.8px;text-transform:uppercase;color:rgba(255,255,255,.38);margin-top:6px}

/* REG BAND */
.reg-band{background:var(--bg2);padding:26px 48px;display:flex;align-items:center;flex-wrap:wrap;gap:20px;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.reg-band-label{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:var(--muted2);white-space:nowrap}
.reg-items{display:flex;flex-wrap:wrap;gap:18px}
.reg-item{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--muted);font-weight:300}
.reg-dot{width:4px;height:4px;border-radius:50%;background:var(--navy);flex-shrink:0}

/* FOOTER */
.footer{background:var(--dark);padding:52px 48px 24px}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:36px}
.ft-brand h3{font-family:'EB Garamond',serif;font-size:17px;color:#fff;margin-bottom:9px}
.ft-brand p{font-size:12px;font-weight:300;color:rgba(255,255,255,.3);line-height:1.8;max-width:260px}
.ft-col h4{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:12px}
.ft-col a{display:block;font-size:12px;font-weight:300;color:rgba(255,255,255,.32);margin-bottom:7px;text-decoration:none;transition:color .2s}
.ft-col a:hover{color:rgba(255,255,255,.72)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.07);padding-top:20px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.ft-reg{font-size:10px;font-weight:300;color:rgba(255,255,255,.2);line-height:1.8;max-width:600px}
.ft-copy{font-size:10px;color:rgba(255,255,255,.2);white-space:nowrap}

/* PAGE BANNER */
.page-banner{background:var(--navy);padding:72px 48px 60px;position:relative;overflow:hidden}
.page-banner::after{content:'';position:absolute;right:-60px;bottom:-60px;width:280px;height:280px;border-radius:50%;border:1px solid rgba(255,255,255,.05);pointer-events:none}
.page-banner h1{font-size:clamp(28px,4.5vw,52px);font-weight:400;color:#fff;z-index:1;line-height:1.1;margin-bottom:12px}
.page-banner p{font-size:14px;font-weight:300;color:rgba(255,255,255,.48);max-width:520px;line-height:1.9;z-index:1}

/* SERVICES */
.section-pad{padding:64px 48px}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border)}
.svc-card{background:var(--white);padding:28px 24px;transition:all .2s;border-top:3px solid transparent}
.svc-card:hover{background:var(--navy);border-top-color:var(--red)}
.svc-card:hover .svc-t,.svc-card:hover .svc-b{color:rgba(255,255,255,.85)}
.svc-card:hover .svc-icon svg{stroke:rgba(255,255,255,.7)}
.svc-icon{width:32px;height:32px;margin-bottom:14px}
.svc-icon svg{width:22px;height:22px;stroke:var(--navy);fill:none;stroke-width:1.5;transition:stroke .2s}
.svc-t{font-family:'EB Garamond',serif;font-size:17px;font-weight:500;color:var(--dark);margin-bottom:8px;transition:color .2s}
.svc-b{font-size:12px;font-weight:300;color:var(--muted);line-height:1.8;transition:color .2s}
.engage-section{background:var(--dark2);padding:60px 48px}
.engage-section h2{font-size:clamp(22px,3vw,36px);font-weight:400;color:#fff;margin-bottom:12px}
.engage-section p{font-size:13.5px;font-weight:300;color:rgba(255,255,255,.42);max-width:560px;line-height:1.9;margin-bottom:24px}
.btn-navy{background:var(--navy);color:#fff;border:none;font-family:'Inter',sans-serif;font-size:10.5px;font-weight:600;letter-spacing:2px;text-transform:uppercase;padding:11px 26px;cursor:pointer;transition:all .2s;display:inline-block;text-decoration:none}
.btn-navy:hover{background:var(--navy2)}
.btn-red{background:var(--red);color:#fff;border:none;font-family:'Inter',sans-serif;font-size:10.5px;font-weight:600;letter-spacing:2px;text-transform:uppercase;padding:11px 26px;cursor:pointer;transition:all .2s;display:inline-block;text-decoration:none}
.btn-red:hover{background:var(--red2)}

/* ABOUT */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.about-text p{font-size:13px;font-weight:300;color:var(--muted);line-height:1.9;margin-bottom:14px}
.about-text h2{font-size:clamp(24px,3.2vw,38px);font-weight:400;color:var(--dark);margin-bottom:18px}
.reg-block{background:var(--navy);padding:26px}
.reg-block-title{font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:10px}
.reg-block-items{font-size:12.5px;color:rgba(255,255,255,.6);line-height:2;font-weight:300}
.reg-block-items div{margin-bottom:2px}
.tl-wrap{padding:60px 48px;max-width:800px;margin:0 auto}
.tl-wrap h2{font-size:34px;font-weight:400;margin-bottom:40px;text-align:center;color:var(--dark)}
.tl-item{display:grid;grid-template-columns:64px 1fr;gap:18px;margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--border)}
.tl-item:last-child{border:none}
.tl-yr{font-family:'EB Garamond',serif;font-size:24px;font-weight:400;color:var(--red);padding-top:2px}
.tl-h{font-size:14px;font-weight:500;margin-bottom:4px;color:var(--dark)}
.tl-p{font-size:12px;font-weight:300;color:var(--muted);line-height:1.85}
.values-row{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--border)}
.val-cell{padding:30px 24px;border-right:1px solid var(--border)}
.val-cell:last-child{border:none}
.val-cell:nth-child(2){background:var(--navy)}
.val-cell:nth-child(2) h3{color:#fff}
.val-cell:nth-child(2) p{color:rgba(255,255,255,.5)}
.val-cell h3{font-family:'EB Garamond',serif;font-size:19px;font-weight:500;margin-bottom:8px;color:var(--dark)}
.val-cell p{font-size:12px;font-weight:300;color:var(--muted);line-height:1.85}

/* CONTACT */
.contact-hero{background:var(--navy);padding:72px 48px 60px}
.contact-hero h1{font-size:clamp(28px,4.5vw,52px);font-weight:400;color:#fff;margin-bottom:12px}
.contact-hero p{font-size:14px;font-weight:300;color:rgba(255,255,255,.48);max-width:500px;line-height:1.9}
.contact-body{padding:52px 48px;background:var(--bg)}
.contact-body-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--border);margin-bottom:40px}
.contact-channel{background:var(--white);padding:30px 24px;border-top:3px solid var(--navy)}
.cc-icon{font-size:20px;margin-bottom:12px}
.cc-title{font-family:'EB Garamond',serif;font-size:18px;font-weight:500;color:var(--dark);margin-bottom:7px}
.cc-body{font-size:12.5px;font-weight:300;color:var(--muted);line-height:1.8}
.cc-detail{font-size:13px;font-weight:600;color:var(--navy);margin-top:10px}
.cc-hours{font-size:11px;color:var(--muted2);margin-top:3px}
.offices-label{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:var(--muted2);margin-bottom:14px}
.offices-row{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border)}
.office{background:var(--white);padding:22px 20px}
.office-type{font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:var(--red);margin-bottom:6px}
.office-city{font-family:'EB Garamond',serif;font-size:16px;font-weight:500;color:var(--dark);margin-bottom:8px}
.office-addr{font-size:12px;font-weight:300;color:var(--muted);line-height:1.75}
.contact-notice{background:var(--dark);padding:32px 48px;display:flex;align-items:flex-start;gap:20px}
.cn-icon{font-size:20px;flex-shrink:0;opacity:.45;margin-top:2px}
.cn-text h4{font-family:'EB Garamond',serif;font-size:17px;font-weight:500;color:#fff;margin-bottom:4px}
.cn-text p{font-size:12.5px;font-weight:300;color:rgba(255,255,255,.38);line-height:1.8}

/* PORTAL LOGIN */
.portal-login-wrap{min-height:100vh;display:flex;background:var(--dark)}
.portal-login-left{flex:1;position:relative;overflow:hidden}
.portal-login-left img{width:100%;height:100%;object-fit:cover;opacity:.45;filter:grayscale(20%)}
.portal-login-left::after{content:'';position:absolute;inset:0;background:linear-gradient(to right,rgba(6,12,24,.1),rgba(6,12,24,.78))}
.portal-login-left-text{position:absolute;bottom:40px;left:40px;z-index:2}
.portal-login-left-text h2{font-family:'EB Garamond',serif;font-size:28px;font-weight:400;color:#fff;margin-bottom:7px}
.portal-login-left-text p{font-size:12.5px;font-weight:300;color:rgba(255,255,255,.42);line-height:1.8}
.portal-login-right{width:420px;flex-shrink:0;display:flex;align-items:center;justify-content:center;padding:40px;background:var(--dark2);border-left:1px solid rgba(255,255,255,.05)}
.login-box{width:100%}
.login-box-logo{display:flex;align-items:center;gap:10px;margin-bottom:28px}
.login-box-logo-em{width:32px;height:32px;background:var(--red);display:flex;align-items:center;justify-content:center}
.login-box-logo-em span{font-family:'EB Garamond',serif;font-size:17px;color:#fff;font-weight:600}
.login-box-logo-name{font-family:'EB Garamond',serif;font-size:15px;color:rgba(255,255,255,.7)}
.login-box h2{font-family:'EB Garamond',serif;font-size:26px;font-weight:400;color:#fff;margin-bottom:4px}
.login-box p{font-size:12px;font-weight:300;color:rgba(255,255,255,.38);margin-bottom:26px}
.l-label{font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.45);display:block;margin-bottom:5px}
.l-inp{width:100%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);color:#fff;padding:12px 14px;font-size:14px;font-family:'Inter',sans-serif;outline:none;transition:border .2s;margin-bottom:14px;-webkit-appearance:none;border-radius:0}
.l-inp:focus{border-color:rgba(192,57,43,.6)}
.l-inp::placeholder{color:rgba(255,255,255,.2)}
.l-divider{height:1px;background:rgba(255,255,255,.07);margin:16px 0}
.l-btn{width:100%;background:var(--red);color:#fff;border:none;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:2px;text-transform:uppercase;padding:14px;cursor:pointer;transition:all .2s;-webkit-appearance:none;border-radius:0}
.l-btn:hover{background:var(--red2)}
.l-err{font-size:12px;color:#f1948a;background:rgba(192,57,43,.12);border:1px solid rgba(192,57,43,.25);padding:9px 13px;margin-bottom:12px;display:none}
.l-err.show{display:block}
.l-note{font-size:11px;color:rgba(255,255,255,.22);text-align:center;margin-top:16px;line-height:1.7}

/* PORTAL DASHBOARD */
.portal-dash{display:none}
.portal-layout{display:flex;min-height:100vh}
.psb{width:220px;background:var(--dark2);flex-shrink:0;border-right:1px solid rgba(255,255,255,.06);position:sticky;top:62px;height:calc(100vh - 62px);overflow-y:auto;align-self:flex-start}
.psb-inner{padding:24px 0}
.psb-client{padding:0 18px 18px;border-bottom:1px solid rgba(255,255,255,.06);margin-bottom:8px}
.psb-avatar{width:40px;height:40px;background:var(--red);display:flex;align-items:center;justify-content:center;font-family:'EB Garamond',serif;font-size:16px;color:#fff;margin-bottom:9px}
.psb-name{font-size:13px;color:#fff;font-weight:400;line-height:1.2}
.psb-cid{font-size:9px;color:rgba(255,255,255,.28);letter-spacing:.8px;margin-top:2px}
.psb-section{padding:14px 18px 4px;font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:rgba(255,255,255,.2)}
.psb-item{display:flex;align-items:center;gap:8px;padding:9px 18px;color:rgba(255,255,255,.4);font-size:12.5px;font-weight:300;cursor:pointer;transition:all .15s;border-left:2px solid transparent}
.psb-item:hover{color:rgba(255,255,255,.8);background:rgba(255,255,255,.03)}
.psb-item.active{color:#fff;border-left-color:var(--red);background:rgba(192,57,43,.1)}
.psb-icon{width:14px;text-align:center;font-size:11px;opacity:.7}
.portal-main{flex:1;padding:28px 36px;background:var(--bg);min-width:0}
.portal-sub{display:none}
.portal-sub.active{display:block}
.bal-hero{background:var(--navy);padding:28px 30px;margin-bottom:18px;position:relative;overflow:hidden;border-left:4px solid var(--red)}
.bal-hero-lbl{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:rgba(255,255,255,.42);margin-bottom:7px}
.bal-hero-amt{font-family:'EB Garamond',serif;font-size:42px;font-weight:400;color:#fff;line-height:1}
.bal-hero-sub{font-size:11.5px;color:rgba(255,255,255,.38);margin-top:8px;font-weight:300}
.bal-hero-date{font-size:10.5px;color:rgba(192,57,43,.85);margin-top:4px}
.pg3{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:18px}
.pstat{background:var(--white);border:1px solid var(--border);padding:16px 20px;border-top:2px solid var(--navy)}
.pstat-lbl{font-size:9px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted2);margin-bottom:5px}
.pstat-val{font-family:'EB Garamond',serif;font-size:22px;font-weight:400;color:var(--dark);line-height:1}
.pstat-sub{font-size:10.5px;color:var(--muted2);margin-top:3px}
.p-card{background:var(--white);border:1px solid var(--border);padding:18px 22px;margin-bottom:16px}
.p-card-title{font-family:'EB Garamond',serif;font-size:17px;font-weight:500;color:var(--dark);margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--border)}
.p-table{width:100%;border-collapse:collapse;font-size:12.5px}
.p-table th{text-align:left;font-size:9px;font-weight:600;letter-spacing:1.8px;text-transform:uppercase;color:var(--muted2);padding:6px 10px;border-bottom:1.5px solid var(--border)}
.p-table td{padding:10px;border-bottom:1px solid var(--bg2);color:var(--ink2);vertical-align:middle}
.p-table tr:last-child td{border:none}
.p-table tr:hover td{background:var(--bg)}
.pill{display:inline-block;font-size:10px;font-weight:500;padding:2px 7px}
.pill-cr{background:#e8f6ee;color:#1a5a3a}
.pill-dr{background:#fdecea;color:var(--red2)}
.pill-wt{background:#e8eef8;color:var(--navy2)}
.pill-fx{background:#f2eefc;color:#45208c}
.pill-ok{background:#e8f6ee;color:#1a5a3a}
.amt-pos{color:#1a5a3a;font-family:'EB Garamond',serif;font-size:14px}
.amt-neg{color:var(--red2);font-family:'EB Garamond',serif;font-size:14px}
.tx-ref{font-size:9.5px;color:var(--muted2);font-family:monospace;margin-top:1px}
.acct-cards-row{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:16px}
.ac-card{padding:20px 22px;position:relative;overflow:hidden;border-top:3px solid var(--red)}
.ac-card.c1{background:var(--navy)}
.ac-card.c2{background:var(--navy2)}
.ac-card.c3{background:var(--dark2)}
.ac-card::before{content:'';position:absolute;right:-18px;bottom:-18px;width:100px;height:100px;border-radius:50%;border:1px solid rgba(255,255,255,.04)}
.ac-type{font-size:9px;font-weight:600;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,.38);margin-bottom:6px}
.ac-name{font-size:12px;color:rgba(255,255,255,.6);margin-bottom:10px;font-weight:300}
.ac-bal{font-family:'EB Garamond',serif;font-size:26px;font-weight:400;color:#fff}
.ac-num{font-size:10px;color:rgba(255,255,255,.22);margin-top:7px;font-family:monospace}
.prof-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.prof-card{background:var(--white);border:1px solid var(--border);padding:20px 22px}
.prof-card h3{font-family:'EB Garamond',serif;font-size:15px;font-weight:500;color:var(--dark);margin-bottom:12px;padding-bottom:9px;border-bottom:1px solid var(--border)}
.pf-row{display:flex;justify-content:space-between;padding:7px 0;border-bottom:1px solid var(--bg2);font-size:12px;gap:10px}
.pf-row:last-child{border:none}
.pf-k{color:var(--muted);font-weight:300;white-space:nowrap}
.pf-v{font-weight:400;color:var(--ink2);text-align:right;word-break:break-all}
.portal-mobile-nav{display:none;background:var(--dark2);border-bottom:1px solid rgba(255,255,255,.07);padding:6px 12px;overflow-x:auto;white-space:nowrap;-webkit-overflow-scrolling:touch}
.portal-mobile-nav button{background:none;border:none;color:rgba(255,255,255,.45);font-family:'Inter',sans-serif;font-size:12px;font-weight:500;padding:8px 12px;cursor:pointer;border-bottom:2px solid transparent}
.portal-mobile-nav button.active{color:#fff;border-bottom-color:var(--red)}

/* WIRE TRANSFER */
.wt-wrap{max-width:660px}
.wt-stepper{display:flex;align-items:center;margin-bottom:22px}
.wts-step{display:flex;align-items:center;gap:6px}
.wts-circle{width:24px;height:24px;border:1.5px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:600;color:var(--muted2);background:var(--white);transition:all .2s;flex-shrink:0}
.wts-circle.act{background:var(--navy);border-color:var(--navy);color:#fff}
.wts-circle.done{background:var(--navy2);border-color:var(--navy2);color:#fff}
.wts-lbl{font-size:10px;color:var(--muted2);white-space:nowrap}
.wts-lbl.act{color:var(--navy);font-weight:600}
.wts-lbl.done{color:var(--navy2)}
.wts-line{flex:1;height:1px;background:var(--border);margin:0 6px;min-width:16px}
.wts-line.done{background:var(--navy2)}
.wt-card{background:var(--white);border:1px solid var(--border);padding:22px 26px;margin-bottom:14px}
.wt-sec{font-size:9px;font-weight:600;letter-spacing:2.5px;text-transform:uppercase;color:var(--navy);margin-bottom:12px;padding-bottom:8px;border-bottom:1px solid var(--bg2)}
.wt-tabs{display:flex;border:1px solid var(--border);margin-bottom:16px;overflow:hidden}
.wt-tab{flex:1;padding:9px 6px;text-align:center;font-size:11px;font-weight:600;cursor:pointer;transition:all .15s;color:var(--muted);background:var(--bg2);letter-spacing:.3px;border-right:1px solid var(--border);text-transform:uppercase}
.wt-tab:last-child{border-right:none}
.wt-tab.on{background:var(--navy);color:#fff}
.wt-r2{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:10px}
.wt-fg{margin-bottom:10px}
.wt-lbl{font-size:9.5px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:4px}
.wt-lbl .req{color:var(--red)}
.wt-inp{width:100%;padding:10px 12px;border:1px solid var(--border);font-size:14px;color:var(--ink);background:var(--bg);font-family:'Inter',sans-serif;outline:none;transition:border .15s;-webkit-appearance:none;border-radius:0}
.wt-inp:focus{border-color:var(--navy3);background:var(--white)}
.wt-inp.err{border-color:var(--red);background:#fff9f9}
.wt-sel{width:100%;padding:10px 12px;border:1px solid var(--border);font-size:14px;color:var(--ink);background:var(--bg);font-family:'Inter',sans-serif;outline:none;cursor:pointer;-webkit-appearance:none;border-radius:0}
.ferr{font-size:11px;color:var(--red);margin-top:3px}
.wt-hint{font-size:11px;color:var(--muted2);margin-top:3px}
.avail-bar{background:var(--navy-lt);border:1px solid var(--navy-lt2);padding:8px 12px;font-size:12px;color:var(--navy2);margin-bottom:12px;display:flex;justify-content:space-between}
.wt-btn{background:var(--navy);color:#fff;border:none;font-family:'Inter',sans-serif;font-size:10.5px;font-weight:600;letter-spacing:1.8px;text-transform:uppercase;padding:12px 22px;cursor:pointer;transition:all .2s;-webkit-appearance:none;border-radius:0}
.wt-btn:hover{background:var(--navy2)}
.wt-btn-o{background:transparent;border:1px solid var(--border);color:var(--muted);font-family:'Inter',sans-serif;font-size:10.5px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;padding:12px 18px;cursor:pointer;transition:all .2s;-webkit-appearance:none;border-radius:0}
.wt-btn-o:hover{border-color:var(--navy);color:var(--navy)}
.wt-btn-row{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap}
.wt-rr{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--bg2);font-size:12.5px;gap:12px}
.wt-rr:last-child{border:none}
.wt-rk{color:var(--muted);font-weight:300;white-space:nowrap}
.wt-rv{font-weight:500;text-align:right;color:var(--ink2)}
.wt-total{background:var(--dark);padding:12px 16px;display:flex;justify-content:space-between;align-items:center;margin:12px 0}
.wt-total-lbl{font-size:11px;color:rgba(255,255,255,.45)}
.wt-total-val{font-family:'EB Garamond',serif;font-size:21px;color:#fff}
.wt-warn{background:#fef9e8;border-left:3px solid var(--gold2);padding:9px 13px;font-size:12px;color:var(--gold);margin-top:12px;line-height:1.7}
.otp-mg{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:6px 0 16px}
.otp-mb{border:1.5px solid var(--border);padding:16px 12px;cursor:pointer;text-align:center;transition:all .2s}
.otp-mb:hover,.otp-mb.sel{border-color:var(--navy);background:var(--navy-lt)}
.otp-mb-icon{font-size:17px;margin-bottom:5px}
.otp-mb-title{font-size:13px;font-weight:500;color:var(--dark);margin-bottom:2px}
.otp-mb-sub{font-size:11px;color:var(--muted)}
.otp-mb-tag{display:inline-block;font-size:9px;font-weight:600;padding:2px 6px;margin-top:4px}
.tag-cu{background:var(--navy-lt);color:var(--navy2)}
.tag-mu{background:var(--bg2);color:var(--muted)}
.otp-boxes{display:flex;gap:8px;justify-content:center;margin:16px 0}
.otp-box{width:44px;height:54px;border:1.5px solid var(--border);font-family:'EB Garamond',serif;font-size:24px;text-align:center;color:var(--dark);background:var(--white);outline:none;transition:all .15s;-webkit-appearance:none;border-radius:0}
.otp-box:focus{border-color:var(--navy3);box-shadow:0 0 0 2px var(--navy-lt)}
.otp-box.filled{border-color:var(--navy);background:var(--navy-lt)}
.otp-box.err{border-color:var(--red);background:#fff9f9}
.otp-err-msg{font-size:12px;color:var(--red);text-align:center;margin-bottom:9px}
.otp-resend{text-align:center;font-size:12px;color:var(--muted);margin-top:10px}
.otp-resend span{color:var(--navy2);cursor:pointer}
.proc-center{text-align:center;padding:32px 20px}
.proc-spinner{width:44px;height:44px;border:2px solid var(--bg2);border-top:2px solid var(--navy);border-radius:50%;animation:spin .9s linear infinite;margin:0 auto 18px}
@keyframes spin{to{transform:rotate(360deg)}}
.proc-title{font-family:'EB Garamond',serif;font-size:19px;color:var(--dark);margin-bottom:4px}
.proc-sub{font-size:12px;color:var(--muted);margin-bottom:14px;font-weight:300}
.proc-bar{height:2px;background:var(--bg2);overflow:hidden;margin:14px 0}
.proc-fill{height:100%;background:var(--navy);transition:width .5s ease}
.proc-steps{text-align:left;display:flex;flex-direction:column;gap:4px}
.p-step{display:flex;align-items:center;gap:7px;font-size:12px;color:var(--muted2);padding:6px 9px;transition:all .3s;font-weight:300}
.p-step.run{background:var(--navy-lt);color:var(--navy2);font-weight:500}
.p-step.ok{color:#1a6640}
.p-dot{width:6px;height:6px;border-radius:50%;background:var(--bg3);flex-shrink:0;transition:all .3s}
.p-step.run .p-dot{background:var(--navy);animation:dp .6s infinite alternate}
.p-step.ok .p-dot{background:#1a6640}
@keyframes dp{to{transform:scale(1.7)}}
.fail-wrap{padding:2px 0}
.fail-hdr{display:flex;align-items:flex-start;gap:12px;margin-bottom:14px}
.fail-icon-wrap{width:44px;height:44px;background:#fdecea;border:1.5px solid #e8b4b0;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;border-radius:2px}
.fail-title{font-family:'EB Garamond',serif;font-size:19px;color:var(--dark);margin-bottom:3px}
.fail-code-pill{font-family:monospace;font-size:10px;background:var(--bg2);padding:2px 8px;color:var(--muted);display:inline-block;margin-bottom:5px}
.fail-body p{font-size:12.5px;color:var(--muted);line-height:1.85;font-weight:300;margin-bottom:9px}
.no-debit{background:#fef8f0;border-left:3px solid #e8890a;padding:8px 12px;font-size:12px;color:#7a4a0a;margin:10px 0;line-height:1.7}
.support-box{border:1px solid var(--border);padding:18px 20px;background:var(--bg);margin-top:6px}
.sup-title{font-family:'EB Garamond',serif;font-size:16px;color:var(--dark);margin-bottom:3px}
.sup-sub{font-size:12px;color:var(--muted);margin-bottom:10px;line-height:1.75;font-weight:300}
.sup-ref{font-family:monospace;font-size:10px;background:var(--white);border:1px solid var(--border);padding:3px 8px;color:var(--muted);display:inline-block;margin-bottom:10px}
.sup-methods{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.sup-m{background:var(--white);border:1px solid var(--border);padding:11px 9px;text-align:center;cursor:pointer;transition:all .15s}
.sup-m:hover{border-color:var(--navy)}
.sup-m-icon{font-size:15px;margin-bottom:4px}
.sup-m-title{font-size:11px;font-weight:600;color:var(--dark);margin-bottom:2px}
.sup-m-sub{font-size:10px;color:var(--muted);line-height:1.5}

/* MOBILE */
@media(max-width:820px){
  .topbar{padding:0 16px;height:56px}
  .t-logo-name{font-size:14.5px}
  .t-nav,.t-btn{display:none}
  .t-burger{display:flex}
  .hero{padding:52px 18px 44px}
  .hero::before{display:none}
  .hero-staff{display:none}
  .offerings-inner{grid-template-columns:1fr 1fr}
  .offering{padding:18px 14px}
  .offering:nth-child(2n){border-right:none}
  .offering:nth-child(3),.offering:nth-child(4){border-top:1px solid var(--border)}
  .pillars-section{padding:44px 18px}
  .pillars-hdr{grid-template-columns:1fr;gap:14px;margin-bottom:24px}
  .pillars-grid,.svc-grid{grid-template-columns:1fr}
  .card-visual-section{grid-template-columns:1fr;padding:48px 18px;gap:36px}
  .human-section{grid-template-columns:1fr}
  .human-photo{min-height:240px}
  .human-text{padding:32px 18px}
  .feature-strip{padding:44px 18px}
  .feature-strip-inner{grid-template-columns:1fr;gap:32px}
  .feature-strip-right{grid-template-columns:1fr 1fr}
  .stats-row{padding:30px 18px;grid-template-columns:1fr 1fr;gap:20px}
  .stat-item{padding:0;border-right:none;text-align:left}
  .reg-band{padding:18px;gap:12px}
  .footer{padding:36px 18px 18px}
  .footer-top{grid-template-columns:1fr 1fr;gap:24px}
  .footer-bottom{flex-direction:column;gap:10px}
  .page-banner,.contact-hero{padding:44px 18px 36px}
  .section-pad,.engage-section,.contact-body{padding:40px 18px}
  .two-col{grid-template-columns:1fr;gap:28px}
  .tl-wrap{padding:40px 18px}
  .values-row{grid-template-columns:1fr}
  .val-cell{border-right:none;border-bottom:1px solid var(--border)}
  .val-cell:last-child{border-bottom:none}
  .contact-body-inner{grid-template-columns:1fr}
  .offices-row{grid-template-columns:1fr 1fr}
  .contact-notice{padding:24px 18px;flex-direction:column;gap:14px}
  .portal-login-left{display:none}
  .portal-login-right{width:100%;min-height:100vh;padding:32px 20px}
  .psb{display:none}
  .portal-mobile-nav{display:block}
  .portal-layout{flex-direction:column}
  .portal-main{padding:14px}
  .pg3,.acct-cards-row,.prof-grid,.sup-methods{grid-template-columns:1fr}
  .p-table th,.p-table td{padding:7px 6px;font-size:11.5px}
  .wt-wrap{max-width:100%}
  .wt-r2,.otp-mg{grid-template-columns:1fr}
  .wt-card{padding:14px}
  .otp-box{width:40px;height:50px;font-size:22px}
  .wts-lbl{display:none}
  .bank-card{max-width:100%;height:176px}
}
@media(max-width:420px){
  .offerings-inner{grid-template-columns:1fr}
  .offering{border-right:none;border-bottom:1px solid var(--border)}
  .footer-top{grid-template-columns:1fr}
  .offices-row{grid-template-columns:1fr}
  .feature-strip-right{grid-template-columns:1fr}
}