:root{
  --topbar-height: 40px;
  --navbar-min-height: 56px;
  --accent: #D8E28C;
  --nav-bg: #104A43;
}

/* Reset */
*{
  margin: 0;
  padding: 0;
  box-sizing: border-box;
  font-family: 'Roboto', sans-serif;
  text-transform: capitalize;
}
/* ============================
   PRELOADER
   ============================ */
#site-preloader {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: #104A43;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}
#site-preloader::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    120deg, transparent, transparent 38px,
    rgba(255,255,255,0.03) 38px, rgba(255,255,255,0.03) 39px
  );
  pointer-events: none;
}
#site-preloader.pl-hidden {
  opacity: 0;
  visibility: hidden;
}
.pl-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
  position: relative;
  z-index: 2;
}
.pl-logo-wrap {
  position: relative;
  width: 80px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.pl-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 2.5px solid rgba(199,212,111,0.18);
}
.pl-ring-spin {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 2.5px solid transparent;
  border-top-color: #c7d46f;
  border-right-color: #c7d46f;
  animation: plSpin 1.1s cubic-bezier(0.6,0.1,0.4,0.9) infinite;
}
.pl-logo-inner {
  width: 54px;
  height: 54px;
  background: rgba(199,212,111,0.12);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(199,212,111,0.25);
}
.pl-logo-letter {
  font-size: 22px;
  font-weight: 700;
  color: #c7d46f;
}
.pl-text { text-align: center; }
.pl-brand {
  font-size: 17px;
  font-weight: 600;
  color: #ffffff;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}
.pl-tagline {
  font-size: 12px;
  color: rgba(199,212,111,0.75);
  letter-spacing: 1.5px;
  text-transform: uppercase;
}
.pl-bar-wrap {
  width: 160px;
  height: 2px;
  background: rgba(255,255,255,0.1);
  border-radius: 99px;
  overflow: hidden;
}
.pl-bar {
  height: 100%;
  background: #c7d46f;
  border-radius: 99px;
  animation: plBar 2.2s cubic-bezier(0.4,0,0.2,1) infinite;
}
.pl-dots {
  display: flex;
  gap: 8px;
  margin-top: -8px;
}
.pl-dot {
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: rgba(199,212,111,0.4);
  animation: plDot 1.4s ease-in-out infinite;
}
.pl-dot:nth-child(2) { animation-delay: 0.18s; }
.pl-dot:nth-child(3) { animation-delay: 0.36s; }

@keyframes plSpin {
  to { transform: rotate(360deg); }
}
@keyframes plBar {
  0%   { width: 0%;   opacity: 1; }
  70%  { width: 100%; opacity: 1; }
  90%  { width: 100%; opacity: 0; }
  100% { width: 0%;   opacity: 0; }
}
@keyframes plDot {
  0%, 80%, 100% { background: rgba(199,212,111,0.3); transform: scale(1); }
  40%           { background: #c7d46f; transform: scale(1.4); }
}

@media (prefers-reduced-motion: reduce) {
  .pl-ring-spin, .pl-bar, .pl-dot { animation: none; }
  .pl-bar { width: 60%; }
}


/* Topbar */
.topbar{
  background: var(--accent);
  color: #000;
  min-height: var(--topbar-height);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: 0px !important;
  padding: 6px 12px;
}

/* Navbar */
nav.navbar{
  background: var(--nav-bg) !important;
  left: 0;
  right: 0;
  min-height: var(--navbar-min-height);
  z-index: 1000;
  display: flex;
  align-items: center;
  padding: 6px 12px;
}

.navbar-brand img{
  width: 100px;
  height: auto;
}

.navbar-nav{ align-items: center; }
.navbar-nav .nav-link{
  color: #fff !important;
  font-weight: 500;
  margin: 0 8px;
  font-size: 16px;
  padding: 8px 6px;
}
.navbar-nav .nav-link:hover{ color: var(--accent) !important; }

/* Toggler */
.navbar-toggler{
  border: none !important;
  padding: 6px !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
}
.toggler-icon{ width: 28px; height: 20px; position: relative; display:inline-block; }
.toggler-icon .bar{
  position: absolute;
  left: 0;
  right: 0;
  height: 2px;
  background: #fff;
  transition: transform .25s ease, opacity .2s ease;
}
.toggler-icon .bar:nth-child(1){ top: 0; }
.toggler-icon .bar:nth-child(2){ top: 9px; }
.toggler-icon .bar:nth-child(3){ top: 18px; }
.navbar-toggler.open .toggler-icon .bar:nth-child(1){ transform: translateY(9px) rotate(45deg); }
.navbar-toggler.open .toggler-icon .bar:nth-child(2){ opacity: 0; }
.navbar-toggler.open .toggler-icon .bar:nth-child(3){ transform: translateY(-9px) rotate(-45deg); }

.d-flex .text-white.fs-6{ margin-right: 1rem; color: #fff !important; text-decoration: none; align-self: center; }

.auth-btn--primary{
  background-color: var(--accent) !important;
  color: #000 !important;
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
  padding: 8px 14px !important;
  font-weight: 600;
  border-radius: 20px !important;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.auth-btn--primary:focus{
  box-shadow: 0 0 0 3px rgba(216,226,140,0.18) !important;
}
.auth-btn--primary:hover{
  background-color: #c7d46f !important;
  color: #000 !important;
}
.auth-btn--primary,
.auth-btn--primary:focus,
.auth-btn--primary:active,
.auth-btn--primary:visited {
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
}
.auth-btn--primary:focus-visible {
  outline: none !important;
  box-shadow: 0 0 0 4px rgba(216, 226, 140, 0.22) !important;
}
.navbar-toggler,
.navbar-toggler:focus,
.navbar-toggler:active {
  border: none !important;
  outline: none !important;
  box-shadow: none !important;
}
.navbar-toggler:focus-visible {
  outline: none !important;
  box-shadow: 0 0 0 4px rgba(255, 255, 255, 0.12) !important;
}
.navbar .nav-link:focus,
.d-flex .text-white.fs-6:focus {
  outline: none !important;
  box-shadow: none !important;
}
.navbar .nav-link:focus-visible,
.d-flex .text-white.fs-6:focus-visible {
  box-shadow: 0 0 0 3px rgba(255,255,255,0.08) !important;
}

@media (min-width: 992px) {
  .navbar-toggler { display: none !important; }
  .navbar-collapse {
    display: flex !important;
    flex-basis: auto !important;
    justify-content: space-between;
    align-items: center;
  }
  .navbar-nav {
    flex-direction: row !important;
    gap: 0.5rem;
  }
  .navbar .d-flex {
    margin-left: auto;
    gap: 1rem;
  }
}
@media (max-width: 991.98px) {
  :root{ --topbar-height: 36px; --navbar-min-height: 56px; }
  .navbar-collapse { padding-top: 8px; }
  .navbar-nav { flex-direction: column; gap: 0.5rem; }
  .navbar .d-flex { width: 100%; justify-content: center; }
  .d-flex { width: 100%; justify-content: center; gap: 12px; }
  .auth-btn--primary { padding: 8px 12px !important; }
}

/* ============================
   SEFTON SAVINGS DROPDOWN
   ============================ */
.nav-item.dropdown-parent {
  position: relative;
}

.nav-dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: #fff;
  border-radius: 14px;
  padding: 8px;
  min-width: 220px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.16), 0 2px 8px rgba(0,0,0,0.06);
  border: 1px solid rgba(0,0,0,0.06);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
  z-index: 2000;
  pointer-events: none;
}

/* Arrow tip */
.nav-dropdown::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 50%;
  width: 12px;
  height: 12px;
  background: #fff;
  border-left: 1px solid rgba(0,0,0,0.06);
  border-top: 1px solid rgba(0,0,0,0.06);
  transform: translateX(-50%) rotate(45deg);
}

/* Open on hover (desktop) */
.nav-item.dropdown-parent:hover .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}

/* Open via JS class (mobile tap) */
.nav-item.dropdown-parent.open .nav-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}

/* Chevron rotation */
.nav-link .bi-chevron-down {
  display: inline-block;
  font-size: 11px;
  margin-left: 3px;
  vertical-align: middle;
  transition: transform 0.2s ease;
}
.nav-item.dropdown-parent:hover .bi-chevron-down,
.nav-item.dropdown-parent.open .bi-chevron-down {
  transform: rotate(180deg);
}

/* Dropdown links */
.nav-dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: 9px;
  color: #0b1f1c;
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
  transition: background 0.15s, color 0.15s;
}
.nav-dropdown a:hover {
  background: #f0f7f5;
  color: #104A43;
}
.nav-dropdown a i {
  width: 30px;
  height: 30px;
  border-radius: 8px;
  background: #ecf5f0;
  color: #104A43;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
  transition: background 0.15s;
}
.nav-dropdown a:hover i {
  background: #d8e28c;
}

.nav-dropdown-divider {
  height: 1px;
  background: #f0f0f0;
  margin: 6px 8px;
}

/* Mobile overrides */
@media (max-width: 991.98px) {
  .nav-dropdown {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    border-radius: 0;
    padding: 0 0 0 16px;
    background: transparent;
    max-height: 0;
    overflow: hidden;
    opacity: 1;
    visibility: hidden;
    transition: max-height 0.3s ease, visibility 0.3s;
    pointer-events: none;
  }
  .nav-dropdown::before { display: none; }

  /* Only JS .open controls mobile, not :hover */
  .nav-item.dropdown-parent:hover .nav-dropdown {
    max-height: 0;
    visibility: hidden;
    pointer-events: none;
  }
  .nav-item.dropdown-parent.open .nav-dropdown {
    visibility: visible;
    max-height: 400px;
    pointer-events: auto;
    transform: none;
    opacity: 1;
  }

  .nav-dropdown a { color: #d9e2df; }
  .nav-dropdown a:hover { background: rgba(255,255,255,0.08); color: #d8e28c; }
  .nav-dropdown a i { background: rgba(255,255,255,0.1); color: #d8e28c; }
  .nav-dropdown-divider { background: rgba(255,255,255,0.1); }
}

.nav-item .active{
  color: #c7d46f !important;
}
/* ============================
   HERO
   ============================ */
.hero {
  background-image: radial-gradient(#0b413aef, #3e7e77c7,#104A43), url(./image/section-bg.svg);
  padding-left: 10px;
  padding-right:10px;
  width: 100%;
  background-size: cover !important;
  background-position: top;
  display:grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap:20px;
}
.hero div{
  width:100%;
  padding: 20px;
  height: auto;
}
.hero div:nth-child(2){
  border-top-left-radius: 200px;
  border-top-right-radius: 200px;
  background: url(./image/hero-image.jpg);
  margin-top: 40px;
}
.hero div:nth-child(1) p:nth-child(1){ color:#c7d46f; margin: 20px; }
.hero div:nth-child(1) p:nth-child(2){ color: white; }
.hero div:nth-child(1) h2{
  font-size: 50px;
  font-weight: bold;
  color: white;
  font-family:'Gill Sans', 'Gill Sans MT', Calibri, 'Trebuchet MS', sans-serif;
}
.hero div:nth-child(1) .linkholder{
  display:flex;
  justify-content: space-between;
  border:1px solid #c7d46f;
  border-radius: 20px;
  margin-top: 80px;
}
.hero div:nth-child(1) .linkholder a{
  background: #c7d46f;
  text-decoration: none;
  padding:10px;
  color: #000;
  border-radius: 20px;
}
.hero div hr{ background: gainsboro; color: gainsboro; }
.hero div h1{ color:#c7d46f; font-size: 90px; margin: 10px; }

.animeholder{
  width: 100%;
  height: 20vh;
  margin-top: 400px;
  position: relative;
  overflow: hidden;
}
.animeholder .card{
  -webkit-backdrop-filter: blur(15px);
  backdrop-filter: blur(15px);
  border: 1px solid rgba(255, 255, 255, .5);
  background: transparent;
  width: 80%;
  border-radius: 20px;
  position: absolute;
  top: 50%;
  left: 0;
  transform: translateY(-50%) translateX(0);
  will-change: transform;
  animation: slide 4s linear infinite alternate;
}
.animeholder .card img{ max-width: 100%; display: block; }
@keyframes slide {
  from { transform: translateY(-50%) translateX(0); }
  to { transform: translateY(-50%) translateX(calc(100% - 80%)); }
}
@media (prefers-reduced-motion: reduce){
  .animeholder .card{ animation: none; transform: translateY(-50%) translateX(0); }
}

@media screen and (max-width:1025px) { .hero{ grid-template-columns: 1fr 1fr; } }
@media screen and (max-width:768px) {
  .hero{ grid-template-columns: 1fr; }
  .hero div:nth-child(2){ background-size: cover; background-position: right; }
}
@media screen and (max-width:480px) { .hero div:nth-child(2){ width:100%; } }

/* ============================
   MARQUEE
   ============================ */
:root {
  --marquee-duration: 12s;
  --bg: #c7d46f;
  --gap: 50px;
  --font-size: 30px;
}
.marquee { overflow: hidden; background: var(--bg); padding: 10px 0; }
.bankmotion {
  display: flex;
  width: 100%;
  align-items: center;
  animation: marquee var(--marquee-duration) linear infinite;
}
.bankmotion__inner {
  display: inline-flex;
  gap: var(--gap);
  align-items: center;
  white-space: nowrap;
}
.bankmotion__inner p { margin: 0; font-size: var(--font-size); }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.marquee:hover .bankmotion { animation-play-state: paused; }

/* ============================
   EMPOWER
   ============================ */
.empower{
  display: flex;
  padding: 10px;
  justify-content: space-between;
  background: white;
}
.empower div, p{ width: 45%; padding: 10px; }
.empower div p{ color: #104A43; font: 700; margin:30px; }
.empower div h1{ margin-left: 30px; }
.empower p{ margin: 30px; }
@media screen and (max-width:1025px) {
  .empower{ flex-direction: column; }
  .empower div, p { width: 90%; }
}
@media screen and (max-width:480px) {
  .empower p, h1{ font-size: 15px; }
  .empower h1{ width: 100%; }
}

/* ============================
   GOOGLE TRANSLATE SUPPRESSION
   ============================ */
.goog-te-banner-frame,
.goog-te-banner-frame.skiptranslate { display: none !important; }
.goog-te-gadget { display: none !important; }
#goog-gt-tt, .goog-te-balloon-frame, .goog-tooltip, .goog-tooltip:hover { display: none !important; }
.goog-text-highlight { background: none !important; box-shadow: none !important; }
.skiptranslate { display: none !important; visibility: hidden !important; }
body { top: 0 !important; position: static !important; }
iframe.goog-te-banner-frame { display: none !important; }

/* ============================
   LANGUAGE SWITCHER
   ============================ */
.lang-switcher {
  position: fixed;
  bottom: 24px;
  left: 24px;
  z-index: 9000;
}
.lang-btn {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  border: 1.5px solid #c7d46f;
  color: #000;
  padding: 8px 14px;
  border-radius: 8px;
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  transition: background 0.2s;
}
.lang-btn:hover { background: #005BE6; }
.lang-btn img { width: 20px; border-radius: 2px; }
.lang-btn i { font-size: 0.65rem; opacity: 0.7; }
.lang-dropdown {
  position: absolute;
  bottom: 110%;
  left: 0;
  background: #fff;
  border: 1px solid rgba(0,0,0,0.1);
  border-radius: 10px;
  box-shadow: 0 8px 28px rgba(0,0,0,0.15);
  min-width: 180px;
  overflow: hidden;
  display: none;
  flex-direction: column;
}
.lang-dropdown.open { display: flex; }
.lang-option {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 16px;
  font-size: 0.85rem;
  font-family: 'Poppins', sans-serif;
  color: #1a202c;
  cursor: pointer;
  transition: background 0.15s;
}
.lang-option:hover { background: #EBF2FF; color: #104A43; }
.lang-option img { width: 20px; border-radius: 2px; }

/* ============================
   VALID
   ============================ */
.valid{
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 15px;
  padding: 20px;
}
.valid div{ width:100%; }
.valid div i{
  background: #c7d46f;
  padding: 10px;
  padding-bottom: 20px;
  margin:20px 0px;
  border-radius: 10px;
}
.valid div h5{ margin-top: 20px; }
.valid div p{ width: 100%; }
@media screen and (max-width:1025px) { .valid{ grid-template-columns: 1fr 1fr; } }
@media screen and (max-width:780px) { .valid{ grid-template-columns: 1fr; } }

/* ============================
   SERVICE
   ============================ */
.service{
  display: flex !important;
  align-items: center;
  gap: 20px !important;
  padding-bottom: 20px;
}
.service div{
  background: #ECF0CD !important;
  width: 45% !important;
  border-radius: 20px;
  padding: 20px;
  padding-bottom: 0px;
}
.service div p{
  background: #c7d46f;
  padding: 8px;
  border-radius: 20px;
  margin: 10px;
  text-align: center;
  font: 100;
  font-size: 14px;
  width: 220px;
  margin-top: 20px;
}
.service div h5{
  margin: 10px;
  margin-top: 20px;
  font: 800;
  font-weight: 600;
  font-style: oblique;
}
.service div:nth-child(2){ background: #104A43 !important; }
.service div:nth-child(2) h5{ color: white; }
.service div img{
  width: 100%;
  border-top-left-radius: 40px;
  border-top-right-radius: 40px;
}
@media screen and (max-width:1025px) { .service{ flex-wrap: wrap; } }
@media screen and (max-width:768px) {
  .service{ flex-wrap: wrap; flex-direction: column; }
  .service div{ width: 100% !important; }
}

/* ============================
   BENEFITS
   ============================ */
.benefits-wrap{
  display: flex;
  gap: 24px;
  padding: 60px 40px;
  align-items: stretch;
}
.benefits-card{
  background: #fff;
  border-radius: 24px;
  padding: 40px;
  width: 45%;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.benefits-card h5{
  font-size: 22px;
  font-weight: 700;
  color: #0b1f1c;
  margin-bottom: 16px;
  text-transform: none;
}
.benefits-card p{ color: #5b6663; line-height: 1.6; margin-bottom: 24px; }
.benefits-list{
  list-style: none;
  margin: 0 0 28px 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.benefits-list li{
  display: flex;
  align-items: center;
  gap: 14px;
  color: #0b1f1c;
  font-weight: 500;
}
.benefits-list i{
  background: var(--accent);
  color: #104A43;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.benefits-image{ width: 55%; border-radius: 24px; overflow: hidden; }
.benefits-image img{ width: 100%; height: 100%; object-fit: cover; display: block; }
@media screen and (max-width: 1025px){
  .benefits-wrap{ flex-direction: column; padding: 40px 20px; }
  .benefits-card, .benefits-image{ width: 100%; }
  .benefits-image{ min-height: 280px; }
}

/* ============================
   EXPERTISE
   ============================ */
.expertise{
  display: flex !important;
  gap: 20px;
  padding: 0 40px 60px;
}
.expertise > div{
  position: relative;
  width: 33.33%;
  border-radius: 20px;
  overflow: hidden;
  min-height: 360px;
}
.expertise img{
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
  z-index: 0;
}
.expertise-num{
  position: absolute;
  top: 16px;
  left: 16px;
  z-index: 2;
  background: var(--accent);
  color: #104A43;
  font-weight: 700;
  font-size: 13px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.expertise-caption{
  position: absolute;
  left: 0; right: 0; bottom: 0;
  z-index: 1;
  padding: 24px 20px;
  background: linear-gradient(0deg, rgba(0,0,0,0.75) 0%, rgba(0,0,0,0.35) 60%, transparent 100%);
}
.expertise-caption h5{ color: #fff; font-weight: 700; margin-bottom: 6px; text-transform: none; font-style: normal; }
.expertise-caption p{ color: #f1f1f1; font-size: 14px; margin: 0; }
@media screen and (max-width: 1025px){
  .expertise{ flex-wrap: wrap; padding: 0 20px 40px; }
  .expertise > div{ width: 100%; min-height: 300px; }
}

/* ============================
   APPROACH
   ============================ */
.approach{
  background: var(--nav-bg);
  position: relative;
  padding: 70px 40px 70px;
  overflow: hidden;
}
.approach-top{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  position: relative;
  z-index: 2;
}
.approach .kicker{
  color: var(--accent);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 16px;
}
.approach-left h1{ color: #fff; font-size: 38px; font-weight: 700; line-height: 1.25; }
.approach-right{ display: flex; align-items: flex-start; gap: 16px; padding-top: 10px; }

.approach-right p{ color: #d9e2df; line-height: 1.7; max-width: 440px; }
.approach-cards{
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 70px;
  padding-bottom: 100px;
}
.approach-card{
  background: #fff;
  border-radius: 20px;
  position: relative;
  z-index: 5;
  box-shadow: 0 20px 50px rgba(0,0,0,0.25);

}
.approach-card-arrow{
  position: absolute;
  top: 16px; right: 16px;
  width: 40px; height: 40px;
  background: var(--accent);
  color: #104A43;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  font-size: 18px;
  z-index: 2;
}
.approach-card--illustration{
  grid-column: 1;
  margin-bottom: -90px;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
}
.approach-illustration{
  position: relative;
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 70px;
  color: #d8d8d8;
}
.approach-illustration .coin{
  position: absolute;
  font-size: 22px;
  color: var(--accent);
  background: #fff;
  border-radius: 50%;
  box-shadow: 0 4px 10px rgba(0,0,0,0.1);
  padding: 2px;
}

.approach-tag{
  align-self: flex-start;
  background: var(--accent);
  color: #104A43;
  font-weight: 600;
  font-size: 13px;
  padding: 8px 16px;
  border-radius: 20px;
  margin-top: 16px;
}
.approach-card--text{
  grid-column: 2;
  align-self: end;
  margin-bottom: -10px;
  min-height: 140px;
  display: flex;
  align-items: center;
}
.approach-card--text p{ font-weight: 700; font-size: 18px; color: #0b1f1c; line-height: 1.4; margin: 0; }
.approach-card--banking{
  grid-column: 3;
  align-self: end;
  margin-bottom: -50px;
  min-height: 200px;
}
.approach-card-eyebrow{ color: #8a948f; font-size: 13px; margin: 0 0 8px; }
.approach-card--banking h5{ color: #0b1f1c; font-weight: 700; font-size: 18px; margin-bottom: 20px; text-transform: none; }
.approach-badge{
  background: var(--accent);
  color: #104A43;
  font-weight: 700;
  font-size: 14px;
  padding: 8px 16px;
  border-radius: 20px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.approach-badge small{ font-weight: 500; font-size: 12px; }
.approach-card--photo{
  grid-column: 4;
  padding: 0;
  overflow: hidden;
  margin-bottom: -130px;
  min-height: 320px;
}
.approach-card--photo img{ width: 100%; height: 100%; object-fit: cover; display: block; min-height: 320px; }
.approach::before{
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(120deg, transparent, transparent 38px, rgba(255,255,255,0.04) 38px, rgba(255,255,255,0.04) 39px);
  z-index: 1;
  pointer-events: none;
}
@media screen and (max-width: 1025px){
  .approach-top{ grid-template-columns: 1fr; }
  .approach-cards{ grid-template-columns: 1fr 1fr; margin-top: 40px; gap: 20px; }
  .approach-card--illustration{ grid-column: 1; margin-bottom: 0; }
  .approach-card--text{ grid-column: 2; margin-bottom: 0; align-self: stretch; }
  .approach-card--banking{ grid-column: 1; margin-bottom: 0; }
  .approach-card--photo{ grid-column: 2; margin-bottom: 0; min-height: 240px; }
  .approach-card--photo img{ min-height: 240px; }
}
@media screen and (max-width: 600px){
  .approach{ padding: 50px 20px 50px; }
  .approach-cards{ grid-template-columns: 1fr; }
  .approach-card--illustration,
  .approach-card--text,
  .approach-card--banking,
  .approach-card--photo{ grid-column: 1; }
}

/* ============================
   STATS
   ============================ */
.stats{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  padding: 80px 40px;
  background: #fff;
  align-content: center;
  position: relative;
  z-index: 0;
}
.stats p{
  width: 100%;
}
.stat-box{
  border-radius: 20px;
  padding: 28px;
  min-height: 180px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.stat-box img{
  width: 100%;
  border-radius: 20px;
}
.stat-box--light{ background: #f4f4f4; }
.stat-box--accent{ background: var(--accent); }
.stat-box p{ color: #0b1f1c; font-weight: 600; font-size: 15px; margin: 0; }
.stat-box h2{ color: #0b1f1c; font-size: 36px; font-weight: 700; margin: 0; }
.stat-box:nth-child(1){ margin-top: 60px; }
.stat-box:nth-child(4){ margin-top: 60px; }
@media screen and (max-width: 1025px){
  .stats{ grid-template-columns: 1fr 1fr; padding: 60px 20px; }
  .stat-box:nth-child(1), .stat-box:nth-child(4){ margin-top: 0; }
}
@media screen and (max-width: 600px){ .stats{ grid-template-columns: 1fr; } }

/* ============================
   APP SHOWCASE
   ============================ */
.app-showcase{
background-image: radial-gradient(#0b413aef, #3e7e77c7,#104A43), url(./image/section-bg.svg);
  padding: 70px 40px;
  padding-bottom: 0px !important;
  display: flex;
  width: 100%;
  justify-content: space-around;
}
.app-showcase img{
  border-top-left-radius: 40px;
  border-top-right-radius: 40px;
}
.app-showcase div{
  width: 45%;


}
.app-showcase div .faith{
    margin-top: 30px;
  width: 100%;
  color:#c7d46f
}
.app-showcase div p{
  color: white;
  width: 100%;
}
.app-showcase div section{
  width: 100%;
}
.app-showcase div section a:nth-child(1){
  background: #c7d46f;
  color: black;
  text-decoration: none;
  padding: 15px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: bold;
  margin: 10px;
}
.app-showcase div section a:nth-child(2){
   background: #fff;
  color: black;
  text-decoration: none;
  padding: 15px;
  border-radius: 20px;
  font-size: 13px;
  font-weight: bold;
  margin: 10px;
}
@media screen and (max-width:1030px) {
  .app-showcase{
    flex-direction: column-reverse;
    gap: 40px;
    
  }
  .app-showcase div{
    width: 100%;
  }
}
@media screen and (max-width:480px) {
  .app-showcase div section{
    display: flex;
    flex-direction: column;
    text-align: center;
  }
  .app-showcase div section a{
    text-align: center;
  }
}


/* ============================
   FOOTER
   ============================ */
.site-footer{ background: var(--nav-bg); padding: 60px 40px 24px; }
.footer-top{
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
}
.footer-logo{ width: 140px; margin-bottom: 16px; }
.footer-brand p{ color: #c7d4d0; font-size: 14px; line-height: 1.7; max-width: 420px; }
.footer-links h6, .footer-contact h6{ color: #fff; font-weight: 700; margin-bottom: 18px; }
.footer-links{ display: flex; flex-direction: column; }
.footer-links a{ color: #c7d4d0; text-decoration: none; font-size: 14px; margin-bottom: 12px; }
.footer-links a:hover{ color: var(--accent); }
.footer-contact p{ color: #c7d4d0; font-size: 14px; margin-bottom: 14px; display: flex; align-items: flex-start; gap: 8px; }
.footer-contact i{ color: var(--accent); margin-top: 3px; }
.site-footer hr{ border-color: rgba(255,255,255,0.15); margin: 40px 0 20px; }
.footer-bottom{ display: flex; justify-content: space-between; align-items: center; }
.footer-bottom p{ color: #c7d4d0; font-size: 14px; margin: 0; }
.footer-socials{ display: flex; gap: 12px; }
.footer-socials a{
  width: 38px; height: 38px;
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  text-decoration: none;
}
.footer-socials a:hover{ background: var(--accent); color: #104A43; border-color: var(--accent); }
@media screen and (max-width: 1025px){ .footer-top{ grid-template-columns: 1fr 1fr; } }
@media screen and (max-width: 600px){
  .site-footer{ padding: 50px 20px 20px; }
  .footer-top{ grid-template-columns: 1fr; }
  .footer-bottom{ flex-direction: column; gap: 16px; text-align: center; }
}

/* ============================================================
   ANIMATION LAYER — scroll reveals, hover states, hero motion
   ============================================================ */

/* ---------- CURSOR GLASS CIRCLE ---------- */
.cursor-glow{
  position: fixed;
  top: 0;
  left: 0;
  width: 220px;
  height: 220px;
  border-radius: 50%;
  pointer-events: none;
  z-index: 99;
  opacity: 0;

  /* Glassmorphism: frosted blur + soft fill + visible rim + inner highlight */
  background: rgba(255,255,255,0.08);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid rgba(255,255,255,0.35);
  box-shadow:
    inset 0 0 30px rgba(255,255,255,0.12),
    0 8px 32px rgba(0,0,0,0.12);

  transition: opacity .4s ease, background .4s ease, border-color .4s ease, width .3s ease, height .3s ease;
  will-change: transform;
}
.cursor-glow.is-active{
  opacity: 1;
}

/* On light/white sections: cooler glass, dark-tinted rim so it stays visible */
.cursor-glow.on-dark{
  background: rgba(216,226,140,0.10);
  border-color: rgba(216,226,140,0.5);
  box-shadow:
    inset 0 0 30px rgba(216,226,140,0.15),
    0 8px 32px rgba(0,0,0,0.25);
}

/* Slight grow when hovering an interactive element, for extra tactility */
.cursor-glow.is-hovering{
  width: 260px;
  height: 260px;
}

/* Hide entirely on touch devices as a CSS-level fallback */
@media (hover: none), (pointer: coarse){
  .cursor-glow{ display: none; }
}
@media (prefers-reduced-motion: reduce){
  .cursor-glow{ display: none; }
}


/* Smooth scrolling for in-page anchors */
html{ scroll-behavior: smooth; }

/* ---------- BASE REVEAL STATES ---------- */
/* Default hidden state before JS adds .is-visible */
[data-reveal],
[data-reveal-item],
[data-reveal-child]{
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .7s cubic-bezier(.16,.84,.32,1), transform .7s cubic-bezier(.16,.84,.32,1);
  will-change: opacity, transform;
}
[data-reveal].is-visible,
[data-reveal-item].is-visible,
[data-reveal-child].is-visible{
  opacity: 1;
  transform: translateY(0);
}

/* Staggered children inside a [data-reveal-stagger] container */
[data-reveal-stagger] [data-reveal-item]{
  transition-delay: var(--stagger-delay, 0ms);
}

/* Individual delay override for two-up layouts (benefits card/image) */
[data-reveal-child][data-reveal-delay]{
  transition-delay: var(--child-delay, 0ms);
}

/* Once visible, free up will-change for performance */
.is-visible{ will-change: auto; }

/* ---------- HERO ENTRANCE (loads immediately, no scroll needed) ---------- */
.hero-enter{
  opacity: 0;
  transform: translateY(24px);
  animation: heroIn .8s cubic-bezier(.16,.84,.32,1) forwards;
}
.hero-enter--1{ animation-delay: .1s; }
.hero-enter--2{ animation-delay: .28s; }
.hero-enter--3{ animation-delay: .46s; }
@keyframes heroIn{
  to{ opacity: 1; transform: translateY(0); }
}

/* Gentle ambient float on the floating payment card */
.animeholder .card{
  animation: slide 4s linear infinite alternate, cardFloat 5s ease-in-out infinite;
}
@keyframes cardFloat{
  0%, 100%{ box-shadow: 0 18px 40px -12px rgba(0,0,0,0.35); }
  50%{ box-shadow: 0 28px 55px -10px rgba(0,0,0,0.45); }
}

/* ---------- NAVBAR: subtle entrance + scrolled state ---------- */
.topbar, nav.navbar{
  animation: navDrop .5s ease both;
}
nav.navbar{ animation-delay: .08s; }
@keyframes navDrop{
  from{ opacity: 0; transform: translateY(-12px); }
  to{ opacity: 1; transform: translateY(0); }
}

/* ---------- HOVER MICRO-INTERACTIONS ---------- */

/* Buttons */
.auth-btn--primary,
.linkholder a,
.benefits-card .auth-btn--primary{
  transition: background-color .2s ease, color .2s ease, transform .2s cubic-bezier(.34,1.56,.64,1), box-shadow .2s ease;
}
.auth-btn--primary:hover{
  transform: translateY(-2px);
  box-shadow: 0 10px 24px -8px rgba(16,74,67,0.35);
}
.auth-btn--primary:active{ transform: translateY(0) scale(.97); }

.linkholder a{
  transition: transform .2s cubic-bezier(.34,1.56,.64,1), filter .2s ease;
}
.linkholder a:hover{
  transform: translateY(-2px);
  filter: brightness(1.05);
}

/* Nav links underline sweep */
.navbar-nav .nav-link{
  position: relative;
}
.navbar-nav .nav-link::after{
  content: "";
  position: absolute;
  left: 6px;
  right: 6px;
  bottom: 2px;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s ease;
}
.navbar-nav .nav-link:hover::after{
  transform: scaleX(1);
}

/* Footer socials already have hover bg; add lift */
.footer-socials a{
  transition: background .2s ease, color .2s ease, border-color .2s ease, transform .2s cubic-bezier(.34,1.56,.64,1);
}
.footer-socials a:hover{ transform: translateY(-3px); }

/* Footer links nudge */
.footer-links a{
  transition: color .2s ease, transform .2s ease, padding-left .2s ease;
  display: inline-block;
}
.footer-links a:hover{
  padding-left: 4px;
}

/* Cards: valid / service / expertise / approach / stat-box */
.valid > div,
.service > div,
.benefits-card,
.benefits-image,
.approach-card,
.stat-box,
.expertise > div{
  transition: transform .35s cubic-bezier(.16,.84,.32,1), box-shadow .35s ease;
}
.valid > div:hover{
  transform: translateY(-6px);
}
.service > div:hover{
  transform: translateY(-8px);
  box-shadow: 0 20px 40px -16px rgba(11,31,28,0.25);
}
.benefits-card:hover{
  box-shadow: 0 20px 45px -18px rgba(11,31,28,0.18);
}
.benefits-image img,
.expertise img{
  transition: transform .5s cubic-bezier(.16,.84,.32,1);
}
.benefits-image:hover img{
  transform: scale(1.05);
}
.expertise > div{
  overflow: hidden;
}
.expertise > div:hover img{
  transform: scale(1.08);
}
.expertise > div:hover{
  transform: translateY(-6px);
}
.approach-card:hover{
  transform: translateY(-8px);
  box-shadow: 0 28px 55px -16px rgba(0,0,0,0.35);
}
.stat-box:hover{
  transform: translateY(-5px);
}

/* Approach card arrow nudge on hover */
.approach-card-arrow{
  transition: transform .25s cubic-bezier(.34,1.56,.64,1), background .2s ease;
}
.approach-card:hover .approach-card-arrow{
  transform: translate(3px, -3px) rotate(8deg);
}

/* Expertise number badge pulse on card hover */
.expertise-num{
  transition: transform .3s cubic-bezier(.34,1.56,.64,1);
}
.expertise > div:hover .expertise-num{
  transform: scale(1.12);
}

/* App-showcase CTA buttons */
.app-showcase div section a{
  transition: transform .2s cubic-bezier(.34,1.56,.64,1), filter .2s ease, box-shadow .2s ease;
}
.app-showcase div section a:hover{
  transform: translateY(-3px);
  box-shadow: 0 12px 24px -10px rgba(0,0,0,0.4);
}

/* App showcase image gentle zoom on section hover */
.app-showcase img{
  transition: transform .6s cubic-bezier(.16,.84,.32,1);
}
.app-showcase:hover img{
  transform: scale(1.02);
}

/* Login/signup top-bar text link */
.d-flex .text-white.fs-6{
  position: relative;
  transition: color .2s ease;
}
.d-flex .text-white.fs-6::after{
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 1px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .25s ease;
}
.d-flex .text-white.fs-6:hover::after{ transform: scaleX(1); }

/* Lang switcher hover lift */
.lang-btn{
  transition: background .2s ease, transform .2s ease;
}
.lang-btn:hover{ transform: translateY(-2px); }

/* Marquee items: gentle opacity pulse per item for life without distraction */
.bankmotion__inner p{
  transition: opacity .3s ease;
}

/* ---------- REDUCED MOTION: respect user preference ---------- */
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }

  [data-reveal],
  [data-reveal-item],
  [data-reveal-child]{
    opacity: 1 !important;
    transform: none !important;
    transition: none !important;
  }
  .hero-enter{
    animation: none !important;
    opacity: 1;
    transform: none;
  }
  .animeholder .card{
    animation: none !important;
  }
  .topbar, nav.navbar{
    animation: none !important;
    opacity: 1;
    transform: none;
  }
  .auth-btn--primary:hover,
  .linkholder a:hover,
  .valid > div:hover,
  .service > div:hover,
  .expertise > div:hover,
  .approach-card:hover,
  .stat-box:hover,
  .footer-socials a:hover,
  .lang-btn:hover{
    transform: none;
  }
}
.loans{
  display: grid ;
  grid-template-columns: 1fr 1fr 1fr;
  gap:20px;
  padding: 8px;
  align-content: center;
}
.loans div{
  background: red;
  border-radius: 20px;
  width: 100%;
  padding: 10px;
}
.loans div section{
   -webkit-backdrop-filter: blur(15px);
  backdrop-filter: blur(15px);
  border: 1px solid rgba(255, 255, 255, .5);
  background: transparent;
  width: 100%;
  color: white;
  padding: 10px;
  border-radius: 20px;
  margin-top: 300px;
  padding-bottom: 20px;
}
.loans div section a{
  text-decoration: none;
  background:#c7d46f;
  color: black;
  padding: 10px;
  border-radius: 100%;
  font-weight: bold;
  font-size: 20px;
  margin-left: 8px;
}
.loans div section h4{
  margin: 10px;
}
.loans div section p{
  width: 100%;
  color: white;
}
.loans div:nth-child(1){
  background: url(./image/business-loan.webp);
  background-size: cover;
  background-position: top  ;
}
.loans div:nth-child(2){
  background: url(./image/car-loans.jpg);
  background-size: cover;
  background-position: top  ;
}

.loans div:nth-child(3){
  background: url(./image/debt-consolidation.jpg);
  background-size: cover;
  background-position: top  ;
}
.loans div:nth-child(4){
  background: url(./image/home-improvement.jpg);
  background-size: cover;
  background-position: top  ;
}
.loans div:nth-child(5){
  background: url(./image/bad-credit.webp);
  background-size: cover;
  background-position: top  ;
}
.loans div:nth-child(6){
  background: url(./image/service-img-6.jpg);
  background-size: cover;
  background-position: top  ;
}