:root {
  --blue: #073871;
  --blue-dark: #052a57;
  --blue-light: #0d4a9e;
  --white: #ffffff;
  --gray-50: #f4f6f9;
  --gray-100: #e8ecf2;
  --gray-200: #d1d9e6;
  --gray-500: #6b7a90;
  --gray-700: #3d4d63;
  --gray-900: #1a2433;
  --font: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  --header-h: 88px;
  --container: 1320px;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.5;
  color: var(--gray-900);
  background: var(--white);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

button {
  font: inherit;
  cursor: pointer;
  border: none;
  background: none;
}

.container {
  width: min(var(--container), calc(100% - 48px));
  margin-inline: auto;
}

/* Demo banner */
.demo-banner {
  position: fixed;
  bottom: 16px;
  right: 16px;
  z-index: 9999;
  background: rgba(26, 36, 51, 0.92);
  color: #fff;
  font-size: 12px;
  padding: 8px 14px;
  border-radius: 4px;
  letter-spacing: 0.02em;
}

/* Header */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  transition: background 0.35s var(--ease), box-shadow 0.35s var(--ease);
}

.site-header.is-scrolled {
  background: var(--white);
  box-shadow: 0 1px 0 var(--gray-100);
}

.site-header.is-scrolled .header-inner {
  color: var(--gray-900);
}

.site-header.is-scrolled .nav-main a,
.site-header.is-scrolled .nav-meta a {
  color: var(--gray-900);
}

.header-inner {
  color: var(--white);
  transition: color 0.35s var(--ease);
}

.header-top {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 24px;
  padding: 12px 0 0;
  font-size: 14px;
}

.nav-meta {
  display: flex;
  align-items: center;
  gap: 20px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-meta a:hover {
  opacity: 0.85;
}

.lang-btn {
  display: flex;
  align-items: center;
  gap: 4px;
}

.header-main {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0 20px;
  gap: 32px;
}

.logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  line-height: 0;
}

.logo--wordmark {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--white);
  transition: color 0.35s var(--ease);
}

.logo-label {
  font-size: clamp(1.5rem, 3.2vw, 2rem);
  font-weight: 700;
  letter-spacing: 0.16em;
  line-height: 1;
  white-space: nowrap;
}

.logo-cross-icon {
  flex-shrink: 0;
  fill: currentColor;
  width: clamp(26px, 4vw, 34px);
  height: clamp(26px, 4vw, 34px);
}

.site-header.is-scrolled .logo--wordmark,
.site-header--solid .logo--wordmark {
  color: var(--blue);
}

.logo-img {
  display: block;
  width: auto;
  height: 36px;
  max-width: min(160px, 42vw);
  object-fit: contain;
  object-position: left center;
}

.logo-img--full {
  height: auto;
  max-width: min(240px, 70vw);
  max-height: 80px;
}

.logo--footer {
  margin-bottom: 4px;
}

.nav-main {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-main a {
  display: block;
  padding: 10px 14px;
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition: opacity 0.2s;
}

.nav-main a:hover {
  opacity: 0.8;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 8px;
}

.icon-btn {
  width: 44px;
  height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: inherit;
}

.icon-btn svg {
  width: 22px;
  height: 22px;
}

.menu-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 10px;
}

.menu-btn span {
  width: 22px;
  height: 2px;
  background: currentColor;
}

@media (max-width: 1100px) {
  .nav-main {
    display: none;
  }
  .menu-btn {
    display: flex;
  }
  .nav-meta .hide-mobile {
    display: none;
  }
}

/* Hero */
.hero {
  position: relative;
  min-height: 92vh;
  background: linear-gradient(145deg, #0a4a8c 0%, var(--blue) 35%, var(--blue-dark) 100%);
  overflow: hidden;
}

.hero-media {
  position: absolute;
  inset: 0;
  z-index: 0;
  background: linear-gradient(145deg, #0a4a8c 0%, var(--blue) 40%, var(--blue-dark) 100%);
}

.hero-bg-gradient {
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
  background: linear-gradient(
    105deg,
    rgba(7, 56, 113, 0.88) 0%,
    rgba(7, 56, 113, 0.65) 45%,
    rgba(5, 42, 87, 0.45) 100%
  );
}

.hero-bg-image {
  position: absolute;
  inset: 0;
  z-index: 1;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: 0;
  transition: opacity 1.1s var(--ease);
}

.hero-bg-image.is-active.is-loaded,
.hero.is-ready .hero-bg-image.is-active {
  opacity: 1;
}

.hero-slide {
  position: absolute;
  inset: 0;
  z-index: 1;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.7s var(--ease), visibility 0.7s;
  pointer-events: none;
}

.hero-slide.is-active {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.hero-content {
  position: relative;
  z-index: 2;
  min-height: 92vh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: calc(var(--header-h) + 48px) 0 120px;
}

.hero-tag {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 16px;
}

.hero h1 {
  margin: 0 0 12px;
  max-width: 720px;
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  font-weight: 700;
  line-height: 1.15;
  color: var(--white);
}

.hero h2 {
  margin: 0 0 32px;
  max-width: 640px;
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: 400;
  line-height: 1.35;
  color: rgba(255, 255, 255, 0.9);
}

.hero-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--white);
  font-weight: 600;
  font-size: 15px;
  border-bottom: 2px solid rgba(255, 255, 255, 0.5);
  padding-bottom: 4px;
  width: fit-content;
  transition: border-color 0.2s, gap 0.2s;
}

.hero-cta:hover {
  border-color: var(--white);
  gap: 14px;
}

.hero-controls {
  position: absolute;
  bottom: 40px;
  right: max(24px, calc((100vw - var(--container)) / 2));
  z-index: 3;
  display: flex;
  gap: 8px;
}

.hero-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, 0.5);
  background: transparent;
  transition: background 0.2s, border-color 0.2s;
}

.hero-dot.is-active {
  background: var(--white);
  border-color: var(--white);
}

/* Quick links / rates */
.quick-links {
  position: relative;
  z-index: 20;
  margin-top: -64px;
  padding-bottom: 48px;
}

.quick-links-box {
  background: var(--white);
  box-shadow: 0 8px 40px rgba(7, 56, 113, 0.12);
  border-radius: 2px;
  overflow: hidden;
}

.quick-links-title {
  background: var(--blue);
  color: var(--white);
  padding: 14px 24px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.rates-grid {
  display: grid;
  grid-template-columns: repeat(7, 1fr);
}

.rate-item {
  padding: 20px 16px;
  border-right: 1px solid var(--gray-100);
  text-align: center;
}

.rate-item:last-child {
  border-right: none;
}

.rate-label {
  font-size: 12px;
  color: var(--gray-500);
  margin-bottom: 8px;
  line-height: 1.3;
  min-height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.rate-value {
  font-size: 22px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 4px;
}

.rate-date {
  font-size: 11px;
  color: var(--gray-500);
}

.rates-footer {
  padding: 14px 24px;
  border-top: 1px solid var(--gray-100);
  text-align: right;
}

.rates-footer a {
  color: var(--blue);
  font-weight: 600;
  font-size: 14px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.rates-footer a:hover {
  text-decoration: underline;
}

@media (max-width: 1000px) {
  .rates-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .rate-item {
    border-right: none;
    border-bottom: 1px solid var(--gray-100);
  }
}

@media (max-width: 500px) {
  .rates-grid {
    grid-template-columns: 1fr;
  }
}

/* News */
.section {
  padding: 64px 0;
}

.section-title {
  font-size: 28px;
  font-weight: 700;
  color: var(--blue);
  margin: 0 0 32px;
}

.news-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.news-item {
  display: grid;
  grid-template-columns: 120px 140px 1fr;
  gap: 24px;
  padding: 24px 0;
  border-bottom: 1px solid var(--gray-100);
  align-items: start;
  transition: background 0.2s;
}

.news-item:hover {
  background: var(--gray-50);
  margin-inline: -16px;
  padding-inline: 16px;
}

.news-date {
  font-size: 14px;
  color: var(--gray-500);
  font-weight: 600;
}

.news-cat {
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.news-title {
  font-size: 18px;
  font-weight: 600;
  line-height: 1.4;
}

.news-item a:hover .news-title {
  color: var(--blue);
}

@media (max-width: 768px) {
  .news-item {
    grid-template-columns: 1fr;
    gap: 8px;
  }
}

/* Highlights */
.highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-bottom: 48px;
}

.highlight-card {
  background: var(--gray-50);
  padding: 32px;
  border-left: 4px solid var(--blue);
}

.highlight-card h3 {
  margin: 0 0 12px;
  font-size: 20px;
  color: var(--blue);
}

.highlight-card p {
  margin: 0;
  color: var(--gray-700);
  font-size: 15px;
}

.highlight-card a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
  color: var(--blue);
  font-weight: 600;
  font-size: 14px;
}

@media (max-width: 768px) {
  .highlights {
    grid-template-columns: 1fr;
  }
}

/* Topic cards */
.topics-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.topic-card {
  position: relative;
  min-height: 320px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  color: var(--white);
}

.topic-card--link {
  text-decoration: none;
  color: var(--white);
  cursor: pointer;
}

.rate-item--link {
  display: block;
  text-decoration: none;
  color: inherit;
  cursor: pointer;
}

.topic-body {
  padding: 28px 28px 32px;
}

.topic-body p {
  margin: 0 0 24px;
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-700);
}

.topic-back-link {
  color: var(--blue);
  border-bottom-color: var(--blue);
}

.topic-back-link:hover {
  color: var(--blue-dark);
}

.topic-card-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transition: transform 0.5s var(--ease);
}

.topic-card:hover .topic-card-bg {
  transform: scale(1.05);
}

.topic-card-bg::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(7, 56, 113, 0.95) 0%, rgba(7, 56, 113, 0.4) 60%, transparent 100%);
}

.topic-card-content {
  position: relative;
  z-index: 1;
  padding: 28px;
}

.topic-card-label {
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.85;
  margin-bottom: 8px;
}

.topic-card h3 {
  margin: 0 0 12px;
  font-size: 22px;
  line-height: 1.25;
}

.topic-card p {
  margin: 0;
  font-size: 14px;
  opacity: 0.9;
  line-height: 1.5;
}

@media (max-width: 1000px) {
  .topics-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 600px) {
  .topics-grid {
    grid-template-columns: 1fr;
  }
}

/* Footer */
.site-footer {
  background: var(--blue);
  color: var(--white);
  padding: 56px 0 32px;
  margin-top: 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr repeat(3, 1fr);
  gap: 40px;
  margin-bottom: 48px;
}

.site-footer .logo--wordmark {
  color: var(--white);
}

.site-footer .logo--wordmark .logo-cross-icon rect {
  fill: currentColor;
}

.footer-brand p {
  margin: 16px 0 0;
  font-size: 14px;
  opacity: 0.85;
  max-width: 280px;
  line-height: 1.6;
}

.footer-col h4 {
  margin: 0 0 16px;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  opacity: 0.7;
}

.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-col li {
  margin-bottom: 10px;
}

.footer-col a {
  font-size: 14px;
  opacity: 0.9;
}

.footer-col a:hover {
  opacity: 1;
  text-decoration: underline;
}

.footer-bottom {
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  font-size: 13px;
  opacity: 0.75;
}

@media (max-width: 900px) {
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 500px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }
}

/* Mobile menu overlay */
.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 2000;
  background: var(--white);
  transform: translateX(100%);
  transition: transform 0.35s var(--ease);
  overflow-y: auto;
  padding: 24px;
}

.mobile-menu.is-open {
  transform: translateX(0);
}

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

.mobile-menu nav a {
  display: block;
  padding: 16px 0;
  font-size: 18px;
  font-weight: 600;
  color: var(--blue);
  border-bottom: 1px solid var(--gray-100);
}

.mobile-menu-auth {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 2px solid var(--gray-100);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* Auth header buttons */
.nav-auth {
  display: flex;
  align-items: center;
  gap: 8px;
}

.btn-auth {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 8px 16px;
  font-size: 14px;
  font-weight: 600;
  border-radius: 2px;
  transition: background 0.2s, color 0.2s, border-color 0.2s;
  white-space: nowrap;
}

.btn-auth--ghost {
  color: inherit;
  border: 1px solid rgba(255, 255, 255, 0.5);
}

.btn-auth--ghost:hover {
  background: rgba(255, 255, 255, 0.12);
}

.btn-auth--primary {
  background: var(--white) !important;
  color: var(--blue) !important;
  border: 1px solid var(--white) !important;
}

.btn-auth--primary:hover {
  background: var(--gray-50) !important;
  color: var(--blue-dark) !important;
}

.site-header:not(.site-header--solid).is-scrolled .btn-auth--primary {
  background: var(--blue) !important;
  color: var(--white) !important;
  border-color: var(--blue) !important;
}

.site-header.is-scrolled .btn-auth--primary:hover {
  background: var(--blue-light) !important;
  color: var(--white) !important;
}

.site-header--solid {
  background: var(--white);
  box-shadow: 0 1px 0 var(--gray-100);
}

.site-header--solid .header-inner {
  color: var(--gray-900);
}

.site-header--solid .nav-main a,
.site-header--solid .nav-meta a {
  color: var(--gray-900);
}

.site-header--solid .btn-auth--ghost {
  color: var(--blue);
  border-color: var(--blue);
}

.site-header--solid .btn-auth--primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}

/* Platform Selection Modal */
.platform-modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.6);
  display: none;
  justify-content: center;
  align-items: center;
  z-index: 10000;
  backdrop-filter: blur(4px);
}

.platform-modal.is-active {
  display: flex;
}

.platform-content {
  background: #fff;
  padding: 32px;
  border-radius: 8px;
  width: 100%;
  max-width: 400px;
  text-align: center;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.2);
  position: relative;
}

.platform-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 24px;
}

.platform-options {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.platform-option {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 20px;
  border: 1px solid var(--gray-100);
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.2s;
  background: none;
  width: 100%;
}

.platform-option:hover {
  border-color: var(--blue);
  background: var(--gray-50);
}

.platform-option svg {
  width: 40px;
  height: 40px;
  color: var(--blue);
}

.platform-option span {
  font-weight: 600;
  font-size: 14px;
}

.platform-close {
  position: absolute;
  top: 12px;
  right: 12px;
  background: none;
  border: none;
  color: var(--gray-400);
  cursor: pointer;
  padding: 4px;
}

.platform-close:hover {
  color: var(--blue);
}

/* Auth page */
.auth-page {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  padding-top: 120px;
  background: var(--gray-50);
}

.auth-hero {
  background: var(--blue);
  color: var(--white);
  padding: 40px 0 80px;
  margin-top: -120px;
  padding-top: 160px;
}

.auth-hero h1 {
  margin: 0 0 8px;
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 700;
}

.auth-hero p {
  margin: 0;
  opacity: 0.85;
  font-size: 16px;
  max-width: 520px;
}

.auth-main {
  flex: 1;
  margin-top: -48px;
  padding-bottom: 64px;
}

.auth-card {
  background: var(--white);
  box-shadow: 0 8px 40px rgba(7, 56, 113, 0.1);
  max-width: 640px;
  margin-inline: auto;
}

.auth-tabs {
  display: flex;
  border-bottom: 1px solid var(--gray-100);
}

.auth-tab {
  flex: 1;
  padding: 18px 16px;
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-500);
  text-align: center;
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
  transition: color 0.2s, border-color 0.2s;
}

.auth-tab:hover {
  color: var(--blue);
}

.auth-tab.is-active {
  color: var(--blue);
  border-bottom-color: var(--blue);
}

.auth-panel {
  display: none;
  padding: 32px 28px 40px;
}

.auth-panel.is-active {
  display: block;
}

.auth-panel-title {
  margin: 0 0 8px;
  font-size: 22px;
  font-weight: 700;
  color: var(--blue);
}

.auth-panel-desc {
  margin: 0 0 28px;
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.5;
}

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-label {
  display: block;
  margin-bottom: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--gray-700);
}

.form-label .required {
  color: #c0392b;
}

.form-input,
.form-select {
  width: 100%;
  padding: 12px 14px;
  font: inherit;
  font-size: 15px;
  border: 1px solid var(--gray-200);
  border-radius: 2px;
  background: var(--white);
  color: var(--gray-900);
  transition: border-color 0.2s, box-shadow 0.2s;
}

.form-input:focus,
.form-select:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(7, 56, 113, 0.12);
}

.form-input::placeholder {
  color: var(--gray-500);
}

.form-hint {
  margin-top: 6px;
  font-size: 12px;
  color: var(--gray-500);
}

.form-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 24px;
}

.form-check input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  flex-shrink: 0;
  accent-color: var(--blue);
}

.form-check label {
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.45;
}

.form-check a {
  color: var(--blue);
  font-weight: 600;
}

.form-check a:hover {
  text-decoration: underline;
}

.form-actions {
  margin-top: 8px;
}

.btn-submit {
  width: 100%;
  padding: 14px 24px;
  font-size: 16px;
  font-weight: 700;
  color: var(--white);
  background: var(--blue);
  border: none;
  border-radius: 2px;
  cursor: pointer;
  transition: background 0.2s;
}

.btn-submit:hover {
  background: var(--blue-light);
}

.auth-divider {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 24px 0;
  color: var(--gray-500);
  font-size: 13px;
}

.auth-divider::before,
.auth-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--gray-100);
}

.auth-footer-link {
  text-align: center;
  margin-top: 20px;
  font-size: 14px;
  color: var(--gray-500);
}

.auth-footer-link a {
  color: var(--blue);
  font-weight: 600;
}

.auth-footer-link a:hover {
  text-decoration: underline;
}

.form-forgot {
  text-align: right;
  margin: -8px 0 20px;
}

.form-forgot a {
  font-size: 13px;
  color: var(--blue);
  font-weight: 600;
}

.form-forgot a:hover {
  text-decoration: underline;
}

.password-strength {
  height: 4px;
  background: var(--gray-100);
  border-radius: 2px;
  margin-top: 8px;
  overflow: hidden;
}

.password-strength-bar {
  height: 100%;
  width: 0;
  background: var(--gray-500);
  transition: width 0.3s, background 0.3s;
}

.password-strength-bar.weak { width: 33%; background: #c0392b; }
.password-strength-bar.medium { width: 66%; background: #d68910; }
.password-strength-bar.strong { width: 100%; background: #1e8449; }

/* Mobile responsive */
@media (max-width: 768px) {
  .container {
    width: min(var(--container), calc(100% - 32px));
  }

  .demo-banner {
    left: 16px;
    right: 16px;
    bottom: 12px;
    text-align: center;
    font-size: 11px;
  }

  .header-top {
    padding-top: 8px;
  }

  .header-main {
    padding: 10px 0 14px;
    gap: 12px;
  }

  .logo--wordmark {
    gap: 10px;
  }

  .logo-label {
    letter-spacing: 0.12em;
  }

  .logo-img {
    height: 30px;
    max-width: 120px;
  }

  .logo-img--full {
    max-height: 64px;
  }

  .nav-auth .btn-auth--ghost span.btn-auth-text,
  .hide-auth-label {
    display: none;
  }

  .btn-auth {
    padding: 8px 12px;
    font-size: 13px;
  }

  .hero {
    min-height: 75vh;
  }

  .hero-content {
    min-height: 75vh;
    padding-bottom: 80px;
  }

  .quick-links {
    margin-top: -40px;
    padding-bottom: 32px;
  }

  .quick-links-title {
    padding: 12px 16px;
    font-size: 12px;
  }

  .rate-item {
    padding: 16px 12px;
  }

  .rate-value {
    font-size: 18px;
  }

  .rates-footer {
    text-align: center;
    padding: 12px 16px;
  }

  .section {
    padding: 40px 0;
  }

  .section-title {
    font-size: 22px;
    margin-bottom: 24px;
  }

  .topic-card {
    min-height: 260px;
  }

  .topic-card-content {
    padding: 20px;
  }

  .topic-card h3 {
    font-size: 18px;
  }

  .hero-controls {
    bottom: 24px;
    right: 24px;
  }

  .auth-page {
    padding-top: 100px;
  }

  .auth-hero {
    padding-top: 120px;
    padding-bottom: 56px;
  }

  .auth-panel {
    padding: 24px 20px 32px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .auth-tab {
    padding: 14px 10px;
    font-size: 14px;
  }
}

@media (max-width: 480px) {
  .container {
    width: min(var(--container), calc(100% - 24px));
  }

  .nav-meta {
    gap: 4px;
  }

  .nav-auth {
    gap: 4px;
  }

  .btn-auth--primary .btn-auth-text-full {
    display: none;
  }

  .btn-auth--primary .btn-auth-text-short {
    display: inline;
  }

  .highlight-card {
    padding: 20px;
  }

  .site-footer {
    padding: 40px 0 24px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media (min-width: 481px) {
  .btn-auth--primary .btn-auth-text-short {
    display: none;
  }
}

@media (max-width: 1100px) {
  .nav-auth {
    display: none;
  }
}

/* Bank selection (login) */
.auth-page--banks .auth-main--wide {
  max-width: none;
}

.auth-page--banks .auth-main {
  margin-top: -32px;
}

.auth-page--banks .auth-hero--compact {
  padding-bottom: 36px;
  padding-top: 132px;
}

.auth-page--banks .auth-hero p {
  max-width: 520px;
}

.auth-hero--compact {
  padding-bottom: 56px;
}

/* Login page */
.auth-page--login .auth-main {
  margin-top: -48px;
}

.auth-page--login .auth-hero--compact {
  padding-bottom: 28px;
  padding-top: 132px;
}

.login-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 16px;
  font-size: 14px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  transition: color 0.2s;
}

.login-back:hover {
  color: var(--white);
}

.login-bank-name {
  margin: 0;
  font-size: clamp(1rem, 2.5vw, 1.25rem);
  font-weight: 600;
  color: rgba(255, 255, 255, 0.95);
  max-width: 640px;
  line-height: 1.4;
}

.login-card {
  max-width: 480px;
  margin-inline: auto;
  animation: loginCardIn 0.5s var(--ease);
}

@keyframes loginCardIn {
  from {
    opacity: 0;
    transform: translateY(16px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.login-card-header {
  padding: 16px 28px;
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-100);
}

.login-secure-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--blue);
}

.login-form {
  padding: 28px 28px 8px;
}

.login-help {
  margin: 0;
  padding: 0 28px 28px;
  font-size: 14px;
  color: var(--gray-500);
  text-align: center;
}

.login-help a {
  color: var(--blue);
  font-weight: 600;
}

.password-field {
  position: relative;
}

.password-field .form-input {
  padding-right: 48px;
}

.password-toggle {
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  border: none;
  background: transparent;
  border-radius: 2px;
  padding: 0;
  transition: color 0.2s;
}

.password-toggle:hover {
  color: var(--blue);
}

.password-toggle svg {
  width: 20px;
  height: 20px;
  display: block;
}

.password-toggle svg[hidden] {
  display: none;
}

.btn-submit {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
}

.btn-submit:disabled {
  opacity: 0.75;
  cursor: wait;
}

.btn-submit-loader {
  width: 20px;
  height: 20px;
  border: 2px solid rgba(255, 255, 255, 0.35);
  border-top-color: var(--white);
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}

@keyframes spin {
  to { transform: rotate(360deg); }
}

@media (max-width: 768px) {
  .login-form {
    padding: 24px 20px 8px;
  }

  .login-card-header,
  .login-help {
    padding-left: 20px;
    padding-right: 20px;
  }
}

/* OTP / 2FA modal */
.otp-modal {
  position: fixed;
  inset: 0;
  z-index: 4000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(7, 56, 113, 0.45);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s var(--ease), visibility 0.35s;
}

.otp-modal[hidden],
.flow-overlay[hidden] {
  display: none !important;
}

.otp-modal.is-open {
  display: flex !important;
  opacity: 1;
  visibility: visible;
}

/* Loading & result overlays */
.flow-overlay {
  position: fixed;
  inset: 0;
  z-index: 5000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(7, 56, 113, 0.55);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s var(--ease), visibility 0.35s;
}

.flow-overlay.is-open {
  display: flex !important;
  opacity: 1;
  visibility: visible;
}

.flow-overlay-card {
  width: min(440px, 100%);
  background: var(--white);
  padding: 40px 36px;
  box-shadow: 0 24px 64px rgba(7, 56, 113, 0.22);
  text-align: center;
  animation: modalPop 0.4s var(--ease);
}

.flow-overlay-card--result {
  border-top: 4px solid #c0392b;
}

.flow-spinner {
  width: 48px;
  height: 48px;
  margin: 0 auto 24px;
  border: 3px solid var(--gray-100);
  border-top-color: var(--blue);
  border-radius: 50%;
  animation: spin 0.9s linear infinite;
}

.flow-overlay-title {
  margin: 0 0 12px;
  font-size: 22px;
  font-weight: 700;
  color: var(--blue);
}

.flow-overlay-text {
  margin: 0 0 8px;
  font-size: 15px;
  color: var(--gray-700);
  line-height: 1.5;
}

.flow-overlay-text--strong {
  font-weight: 700;
  color: var(--gray-900);
  font-size: 16px;
}

.flow-progress {
  margin-top: 28px;
  height: 4px;
  background: var(--gray-100);
  border-radius: 2px;
  overflow: hidden;
}

.flow-progress-bar {
  height: 100%;
  width: 0;
  background: var(--blue);
}

.flow-result-icon {
  width: 56px;
  height: 56px;
  margin: 0 auto 20px;
  color: #c0392b;
}

.flow-result-icon svg {
  width: 100%;
  height: 100%;
}

.flow-overlay-btn {
  display: inline-flex;
  margin-top: 24px;
  width: 100%;
  justify-content: center;
  text-decoration: none;
}

.otp-modal.is-open .otp-modal-card {
  animation: loginCardIn 0.45s var(--ease);
}

.otp-modal-card.login-card {
  position: relative;
  width: min(480px, 100%);
  max-width: 480px;
  padding: 0;
  overflow: hidden;
  box-shadow: 0 8px 40px rgba(7, 56, 113, 0.14);
}

.otp-modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.otp-modal-close {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  transition: color 0.2s, background 0.2s;
  border-radius: 2px;
}

.otp-modal-close:hover {
  color: var(--blue);
  background: var(--white);
}

.otp-modal-close:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.otp-modal-close svg {
  width: 20px;
  height: 20px;
}

.otp-section-bar {
  background: var(--blue);
  color: var(--white);
  padding: 12px 28px;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.otp-modal-body {
  padding: 28px 28px 8px;
}

.otp-bank-name {
  margin: 0 0 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--gray-100);
  font-size: 14px;
  font-weight: 600;
  color: var(--blue);
  line-height: 1.4;
}

.otp-modal-body .auth-panel-title {
  margin-top: 0;
}

.otp-modal-body .auth-tabs {
  margin-top: 8px;
}

.otp-method-hint {
  margin: 16px 0 24px;
  padding: 12px 14px;
  font-size: 13px;
  color: var(--gray-700);
  line-height: 1.45;
  background: var(--gray-50);
  border-left: 3px solid var(--blue);
}

.otp-digits {
  display: flex;
  gap: 10px;
  justify-content: center;
  margin-bottom: 28px;
}

.otp-digit {
  width: 46px;
  height: 54px;
  text-align: center;
  font-size: 20px;
  font-weight: 700;
  font-family: var(--font);
  color: var(--gray-900);
  border: 1px solid var(--gray-200);
  border-radius: 2px;
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s, color 0.2s;
}

.otp-digit:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(7, 56, 113, 0.12);
  color: var(--blue);
}

.otp-digit:not(:placeholder-shown) {
  border-color: var(--blue);
  color: var(--blue);
}

.otp-form .form-actions {
  margin-top: 0;
}

.otp-resend-wrap {
  padding-top: 8px;
  padding-bottom: 28px;
}

.otp-resend-wrap a {
  text-decoration: none;
}

.otp-resend-wrap a:hover {
  text-decoration: underline;
}

.otp-resend-wrap a:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 3px;
  text-decoration: underline;
}

.flow-overlay-card.login-card {
  padding: 36px 32px;
  box-shadow: 0 8px 40px rgba(7, 56, 113, 0.14);
  max-width: 480px;
}

@media (max-width: 480px) {
  .otp-section-bar,
  .otp-modal-body {
    padding-left: 20px;
    padding-right: 20px;
  }

  .otp-modal-body {
    padding-top: 22px;
  }

  .otp-digit {
    width: 40px;
    height: 48px;
    font-size: 18px;
  }

  .otp-digits {
    gap: 6px;
  }

  .otp-modal-body .auth-tab {
    font-size: 13px;
    padding: 14px 8px;
  }
}

.bank-panel {
  background: var(--white);
  box-shadow: 0 8px 40px rgba(7, 56, 113, 0.1);
  padding: 0;
  overflow: hidden;
}

.bank-panel--simple .bank-list-root {
  padding-top: 8px;
}

.bank-panel--simple .bank-group-header {
  display: none;
}

.bank-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 24px 28px;
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-100);
}

.bank-search-wrap {
  position: relative;
  flex: 1;
  min-width: min(100%, 320px);
  max-width: 480px;
}

.bank-search-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 20px;
  height: 20px;
  color: var(--gray-500);
  pointer-events: none;
}

.bank-search-input {
  width: 100%;
  padding: 12px 14px 12px 44px;
  font: inherit;
  font-size: 15px;
  border: 1px solid var(--gray-200);
  border-radius: 2px;
  background: var(--white);
  transition: border-color 0.2s, box-shadow 0.2s;
}

.bank-search-input:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(7, 56, 113, 0.12);
}

.bank-count {
  margin: 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--blue);
  white-space: nowrap;
}

.bank-list-root {
  padding: 8px 0 24px;
}

.bank-group {
  opacity: 0;
  transform: translateY(12px);
  animation: bankGroupIn 0.5s var(--ease) forwards;
}

@keyframes bankGroupIn {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.bank-group-header {
  padding: 20px 28px 12px;
  border-top: 1px solid var(--gray-100);
}

.bank-group:first-child .bank-group-header {
  border-top: none;
  padding-top: 16px;
}

.bank-group-title {
  margin: 0;
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--blue);
}

.bank-group-subtitle {
  margin: 4px 0 0;
  font-size: 13px;
  color: var(--gray-500);
}

.bank-list {
  list-style: none;
  margin: 0;
  padding: 0 12px 8px;
}

.bank-item {
  opacity: 0;
  animation: bankItemIn 0.4s var(--ease) forwards;
  animation-delay: calc(var(--i) * 0.02s + 0.1s);
}

@keyframes bankItemIn {
  from {
    opacity: 0;
    transform: translateX(-8px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.bank-item-btn {
  display: flex;
  align-items: center;
  gap: 16px;
  width: 100%;
  padding: 14px 16px;
  text-align: left;
  border: none;
  background: transparent;
  border-radius: 2px;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}

.bank-item-btn:hover {
  background: var(--gray-50);
}

.bank-item-btn:hover .bank-item-arrow {
  transform: translateX(4px);
  color: var(--blue);
}

.bank-item-btn.is-pressed {
  transform: scale(0.99);
  background: var(--gray-100);
}

.bank-item-logo {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 4px;
  overflow: hidden;
  position: relative;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.bank-item-logo-img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  padding: 6px;
  position: relative;
  z-index: 1;
  background: var(--white);
}

.bank-logo-fallback {
  display: none;
  position: absolute;
  inset: 0;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--white);
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-light) 100%);
}

.bank-logo-fallback.is-visible,
.bank-item-logo--initials .bank-logo-fallback {
  display: flex;
}

.bank-item-btn:hover .bank-item-logo {
  border-color: var(--blue);
  box-shadow: 0 0 0 2px rgba(7, 56, 113, 0.15);
}

.bank-item-btn:focus-visible .bank-item-logo {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
}

.bank-item-body {
  flex: 1;
  min-width: 0;
}

.bank-item-name {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-900);
  line-height: 1.35;
}

.bank-item-abbr {
  display: block;
  font-size: 13px;
  color: var(--gray-500);
  margin-top: 2px;
}

.bank-item-arrow {
  flex-shrink: 0;
  color: var(--gray-500);
  transition: transform 0.25s var(--ease), color 0.2s;
}

.bank-empty {
  display: none;
  padding: 48px 28px;
  text-align: center;
  color: var(--gray-500);
  font-size: 15px;
  margin: 0;
}

.bank-empty.is-visible {
  display: block;
  animation: fadeIn 0.4s var(--ease);
}

@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}

.site-footer--compact {
  padding: 32px 0 24px;
  margin-top: 0;
}

.btn-auth--active {
  pointer-events: none;
  opacity: 0.9;
}

.site-header--solid .btn-auth--primary.btn-auth--active {
  background: var(--blue-dark);
}

/* Bank modal */
.bank-modal {
  position: fixed;
  inset: 0;
  z-index: 3000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(7, 56, 113, 0.45);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s var(--ease), visibility 0.3s;
}

.bank-modal.is-open {
  opacity: 1;
  visibility: visible;
}

.bank-modal-card {
  position: relative;
  width: min(440px, 100%);
  background: var(--white);
  padding: 36px 32px 32px;
  box-shadow: 0 24px 64px rgba(7, 56, 113, 0.2);
  transform: translateY(20px) scale(0.98);
  transition: transform 0.35s var(--ease);
}

.bank-modal.is-open .bank-modal-card {
  transform: translateY(0) scale(1);
  animation: modalPop 0.4s var(--ease);
}

@keyframes modalPop {
  0% {
    transform: translateY(20px) scale(0.96);
    opacity: 0;
  }
  100% {
    transform: translateY(0) scale(1);
    opacity: 1;
  }
}

.bank-modal-close {
  position: absolute;
  top: 12px;
  right: 12px;
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  transition: color 0.2s;
}

.bank-modal-close:hover {
  color: var(--blue);
}

.bank-modal-close svg {
  width: 22px;
  height: 22px;
}

.bank-modal-label {
  margin: 0 0 8px;
  font-size: 12px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gray-500);
}

.bank-modal-title {
  margin: 0 0 16px;
  font-size: 20px;
  font-weight: 700;
  color: var(--blue);
  line-height: 1.3;
}

.bank-modal-text {
  margin: 0 0 24px;
  font-size: 14px;
  color: var(--gray-700);
  line-height: 1.5;
}

@media (max-width: 768px) {
  .bank-toolbar {
    padding: 16px;
    flex-direction: column;
    align-items: stretch;
  }

  .bank-search-wrap {
    max-width: none;
  }

  .bank-count {
    text-align: center;
  }

  .bank-group-header {
    padding: 16px 16px 8px;
  }

  .bank-list {
    padding: 0 4px 8px;
  }

  .bank-item-btn {
    padding: 12px;
    gap: 12px;
  }

  .bank-item-logo {
    width: 44px;
    height: 44px;
  }

  .auth-page--banks .auth-main {
    margin-top: 0;
    padding-bottom: 40px;
  }
}

/* ——— Subtle site animations ——— */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes scaleIn {
  from {
    opacity: 0;
    transform: scale(0.97);
  }
  to {
    opacity: 1;
    transform: scale(1);
  }
}

@keyframes shimmerLine {
  from { transform: scaleX(0); }
  to { transform: scaleX(1); }
}

/* reveal classes kept inert if present in markup */
.reveal,
.reveal--scale {
  opacity: 1;
  transform: none;
}

/* Security Service Styles */
.hero-content--center {
  align-items: center;
  text-align: center;
  justify-content: center;
  padding-bottom: 60px;
}

.hero-content--center h1, 
.hero-content--center h2 {
  max-width: 800px;
  margin-inline: auto;
}

.hero-actions-center {
  margin-top: 40px;
}

.hero-btn-main {
  display: inline-block;
  background: var(--white);
  color: var(--blue);
  padding: 18px 48px;
  font-size: 18px;
  font-weight: 700;
  border-radius: 4px;
  transition: transform 0.2s, background 0.2s;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.hero-btn-main:hover {
  transform: translateY(-2px);
  background: var(--gray-50);
  color: var(--blue-dark);
}

.hero-btn-main:active {
  transform: translateY(0);
}