/* ===== CSS RESET & ROOT ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
    --forest-green: #2d8659;
    --champagne:    #e0a84e;
    --dark-green:   #1e5a3d;
    --light-green:  #3fa572;
    --cream:        #fdfbf7;
    --charcoal:     #2a2a2a;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'DM Sans', sans-serif;
    color: var(--charcoal);
    background: #fff;
}

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

a { text-decoration: none; }

/* ===== UTILITY ===== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.section-tag {
    display: inline-block;
    padding: 0.45rem 1.25rem;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.85rem;
    letter-spacing: 0.06em;
    margin-bottom: 1.25rem;
}

.tag-green  { background: rgba(45,134,89,.1);  color: var(--forest-green); }
.tag-gold   { background: rgba(224,168,78,.1); color: var(--champagne); }
.tag-white  { background: rgba(224,168,78,.15); color: var(--champagne); border: 1px solid rgba(224,168,78,.3); }

.section-title {
    font-family: 'Crimson Text', serif;
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    font-weight: 700;
    line-height: 1.2;
    color: var(--charcoal);
    margin-bottom: 1.25rem;
}

.title-white { color: #fff; }

.divider {
    width: 80px; height: 5px;
    border-radius: 10px;
    margin-bottom: 1.75rem;
}
.divider-gold  { background: linear-gradient(90deg, #e0a84e, #ebb860); }
.divider-green { background: linear-gradient(90deg, #2d8659, #3fa572); margin: 0 auto 1.75rem; }

.btn-primary-green {
    display: inline-flex; align-items: center; gap: .6rem;
    padding: 1rem 2.5rem;
    background: linear-gradient(135deg, #2d8659, #3fa572);
    color: #fff; font-weight: 600; border-radius: 12px;
    box-shadow: 0 8px 24px rgba(45,134,89,.3);
    transition: transform .3s, box-shadow .3s;
}
.btn-primary-green:hover { transform: translateY(-2px); box-shadow: 0 12px 32px rgba(45,134,89,.4); color: #fff; }

.btn-primary-gold {
    display: inline-flex; align-items: center; gap: .6rem;
    padding: 1rem 2.5rem;
    background: linear-gradient(135deg, #e0a84e, #c89540);
    color: var(--charcoal); font-weight: 600; border-radius: 12px;
    box-shadow: 0 8px 20px rgba(224,168,78,.3);
    transition: transform .3s, box-shadow .3s;
}
.btn-primary-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(224,168,78,.4); color: var(--charcoal); }

/* ===== NAVBAR ===== */
.navbar {
    background: #fff;
    box-shadow: 0 2px 20px rgba(0,0,0,.08);
    padding: .85rem 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: box-shadow .3s;
}
.navbar.scrolled { box-shadow: 0 4px 30px rgba(0,0,0,.13); }

.navbar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.logo-text {
    font-family: 'Crimson Text', serif;
    font-size: 1.7rem;
    font-weight: 700;
    color: var(--forest-green);
    letter-spacing: -.01em;
}
.logo-text span { color: var(--champagne); }

.nav-menu {
    display: flex;
    align-items: center;
    gap: 2.25rem;
    list-style: none;
}

.nav-link {
    font-weight: 500;
    color: var(--charcoal);
    font-size: .95rem;
    position: relative;
    transition: color .3s;
}
.nav-link:hover, .nav-link.active { color: var(--forest-green); }
.nav-link::after {
    content: '';
    position: absolute; bottom: -5px; left: 0;
    width: 0; height: 2px;
    background: linear-gradient(90deg, #2d8659, #3fa572);
    transition: width .3s;
}
.nav-link:hover::after, .nav-link.active::after { width: 100%; }

/* dropdown */
.dropdown { position: relative; }
.dropdown-toggle { display: flex; align-items: center; gap: .35rem; cursor: pointer; }
.dropdown-toggle svg { transition: transform .3s; }
.dropdown:hover .dropdown-toggle svg { transform: rotate(180deg); }

.dropdown-menu {
    position: absolute; top: calc(100% + 10px); left: 0;
    background: #fff; border-radius: 12px;
    box-shadow: 0 10px 40px rgba(0,0,0,.12);
    padding: .6rem; min-width: 220px;
    opacity: 0; visibility: hidden;
    transform: translateY(-8px);
    transition: all .3s;
    border: 1px solid rgba(45,134,89,.1);
    z-index: 100;
}
.dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }

.dropdown-item {
    display: block; padding: .7rem 1rem;
    color: var(--charcoal); border-radius: 8px;
    font-size: .9rem;
    transition: background .2s, color .2s, padding-left .2s;
}
.dropdown-item:hover {
    background: rgba(45,134,89,.07);
    color: var(--forest-green);
    padding-left: 1.25rem;
}

.ebanking-btn {
    display: inline-flex; align-items: center; gap: .45rem;
    padding: .7rem 1.6rem;
    background: linear-gradient(135deg, #2d8659, #3fa572);
    color: #fff; font-weight: 600; border-radius: 10px; font-size: .9rem;
    box-shadow: 0 4px 15px rgba(45,134,89,.25);
    transition: transform .3s, box-shadow .3s;
}
.ebanking-btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(45,134,89,.35); color: #fff; }

.hamburger {
    display: none; background: none; border: none;
    font-size: 1.5rem; color: var(--charcoal); cursor: pointer;
}

/* ===== HERO ===== */
.hero {
    position: relative;
    min-height: 90vh;
    display: flex; align-items: center;
    background: linear-gradient(165deg, #1e5a3d 0%, #2d8659 40%, #2a6f4f 100%);
    overflow: hidden;
}

/* animated background pattern */
.hero::before {
    content: '';
    position: absolute; inset: 0;
    background-image: repeating-linear-gradient(
    45deg,
    transparent, transparent 40px,
    rgba(255,255,255,.03) 40px, rgba(255,255,255,.03) 80px
    );
}

/* decorative radial glows */
.hero::after {
    content: '';
    position: absolute; top: 0; right: 0;
    width: 60%; height: 100%;
    background:
    radial-gradient(circle at 80% 30%, rgba(224,168,78,.18), transparent 55%),
    radial-gradient(circle at 70% 75%, rgba(63,165,114,.14), transparent 50%);
    pointer-events: none;
}

.hero-content {
    position: relative; z-index: 2;
    text-align: center;
    max-width: 860px;
    margin: 0 auto;
    padding: 9rem 1.5rem 7rem;
}

.hero-pill {
    display: inline-block;
    padding: .5rem 1.5rem;
    background: rgba(224,168,78,.15);
    border: 1px solid rgba(224,168,78,.35);
    border-radius: 50px;
    color: var(--champagne);
    font-weight: 600; font-size: .88rem;
    letter-spacing: .05em;
    margin-bottom: 1.5rem;
}

.hero-title {
    font-family: 'Crimson Text', serif;
    font-size: clamp(2.6rem, 6vw, 4rem);
    font-weight: 700; color: #fff;
    line-height: 1.18;
    margin-bottom: 1.4rem;
}

.hero-sub {
    font-size: 1.1rem; color: rgba(255,255,255,.9);
    line-height: 1.75; max-width: 680px;
    margin: 0 auto 2.5rem;
}

.cta-group {
    display: flex; gap: 1.1rem; flex-wrap: wrap;
    justify-content: center;
    margin-bottom: 3.5rem;
}

.btn-hero-secondary {
    display: inline-flex; align-items: center; gap: .5rem;
    padding: 1rem 2.5rem;
    background: rgba(255,255,255,.12);
    backdrop-filter: blur(10px);
    color: #fff; font-weight: 600; border-radius: 12px;
    border: 2px solid rgba(255,255,255,.3);
    transition: background .3s, border-color .3s, transform .3s;
    font-size: 1rem;
}
.btn-hero-secondary:hover {
    background: rgba(255,255,255,.22);
    border-color: rgba(255,255,255,.5);
    transform: translateY(-2px); color: #fff;
}

.trust-badges {
    display: flex; gap: 2.5rem;
    align-items: center; flex-wrap: wrap;
    justify-content: center;
}

.trust-badge {
    display: flex; align-items: center; gap: .75rem;
    color: rgba(255,255,255,.9); font-size: .95rem;
}

.trust-icon {
    width: 52px; height: 52px; min-width: 52px;
    background: rgba(224,168,78,.15);
    border-radius: 13px;
    display: flex; align-items: center; justify-content: center;
    color: var(--champagne); font-size: 1.4rem;
}

.trust-badge strong { display: block; font-weight: 600; }
.trust-badge small  { font-size: .82rem; opacity: .8; }

/* ===== SERVICES GRID ===== */
.services-section {
    background: linear-gradient(to bottom, #f8f9fa, #fff);
    padding: 5rem 0;
}

.cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 1.5rem;
}

.service-card {
    background: #fff;
    border-radius: 20px;
    padding: 2.5rem 2rem;
    border: 1px solid rgba(45,134,89,.1);
    box-shadow: 0 4px 20px rgba(45,134,89,.07);
    transition: transform .4s, box-shadow .4s;
}
.service-card:hover { transform: translateY(-8px); box-shadow: 0 14px 36px rgba(45,134,89,.14); }
.service-card.gold-border { border-color: rgba(224,168,78,.12); }
.service-card.gold-border:hover { box-shadow: 0 14px 36px rgba(224,168,78,.14); }

.card-icon {
    width: 68px; height: 68px;
    border-radius: 18px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.5rem;
    box-shadow: 0 6px 20px rgba(0,0,0,.12);
}
.icon-green { background: linear-gradient(135deg, #2d8659, #3fa572); }
.icon-gold  { background: linear-gradient(135deg, #e0a84e, #ebb860); }

.card-icon svg { width: 32px; height: 32px; }

.service-card h3 {
    font-family: 'Crimson Text', serif;
    font-size: 1.5rem; font-weight: 600;
    color: var(--charcoal);
    margin-bottom: .85rem;
}

.service-card p {
    color: #666; line-height: 1.7; font-size: .95rem;
}

/* ===== WHY CHOOSE US ===== */
.choose-section {
    padding: 6rem 0;
    background: #fff;
}

.two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}

.feature-item {
    display: flex; gap: 1rem; align-items: flex-start;
}

.feat-icon {
    width: 48px; height: 48px; min-width: 48px;
    background: linear-gradient(135deg, #2d8659, #3fa572);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    box-shadow: 0 4px 12px rgba(45,134,89,.2);
    color: #fff;
}
.feat-icon svg { width: 22px; height: 22px; }

.feature-item h4 {
    font-weight: 600; font-size: 1.05rem; color: var(--charcoal); margin-bottom: .35rem;
}
.feature-item p { font-size: .9rem; color: #666; line-height: 1.55; }

/* image placeholder */
.image-placeholder {
    border-radius: 28px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(45,134,89,.18);
    position: relative;
    background: linear-gradient(135deg, #e8f5ee 0%, #f0f9f4 100%);
    min-height: 400px;
    display: flex; align-items: center; justify-content: center;
}

/* .image-placeholder svg { width: 180px; height: 180px; opacity: .35; } */
.image-placeholder img { width: 180px; height: 180px; opacity: .35; }

/* ===== FEATURES SECTION ===== */
.features-section {
    padding: 6rem 0;
    background: linear-gradient(180deg, var(--cream), #f8f9fa);
}

.features-section-header { text-align: center; margin-bottom: 4rem; }

.features-cards-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
}

.feat-card {
    background: #fff;
    border-radius: 24px;
    padding: 2.5rem;
    border: 1px solid rgba(45,134,89,.07);
    box-shadow: 0 4px 24px rgba(0,0,0,.05);
    transition: transform .4s, box-shadow .4s;
}
.feat-card:hover { transform: translateY(-10px); }
.feat-card.gold-b { border-color: rgba(224,168,78,.07); }

.feat-icon-wrap {
    width: 72px; height: 72px;
    border-radius: 20px;
    display: flex; align-items: center; justify-content: center;
    margin-bottom: 1.75rem;
    transition: transform .3s;
}
.feat-card:hover .feat-icon-wrap { transform: scale(1.1) rotate(5deg); }
.fi-green { background: linear-gradient(135deg, rgba(45,134,89,.1), rgba(63,165,114,.15)); }
.fi-gold  { background: linear-gradient(135deg, rgba(224,168,78,.1), rgba(235,184,96,.15)); }

.feat-icon-wrap svg { width: 34px; height: 34px; }

.feat-card h3 {
    font-family: 'Crimson Text', serif;
    font-size: 1.6rem; font-weight: 600;
    color: var(--charcoal); margin-bottom: .9rem;
}

.feat-card p { color: #666; line-height: 1.7; font-size: .95rem; }

/* ===== PRIVATE BANKING ===== */
.private-section {
    padding: 6rem 0;
    background: #fff;
}

.stats-trio {
    display: flex; flex-wrap: wrap; gap: 2rem; margin-bottom: 2.5rem;
}

.stat-item .stat-val {
    font-family: 'Crimson Text', serif;
    font-size: 3rem; font-weight: 700;
}
.stat-item .stat-val.green { color: var(--forest-green); }
.stat-item .stat-val.gold  { color: var(--champagne); }
.stat-item .stat-label { color: #666; font-weight: 500; font-size: .95rem; margin-top: .25rem; }

/* ===== STATISTICS ===== */
.stats-section {
    padding: 6rem 0;
    background: linear-gradient(165deg, #1e5a3d, #2d8659 55%, #2a6f4f);
    position: relative; overflow: hidden;
}

.stats-section::before {
    content: '';
    position: absolute; inset: 0;
    background-image: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(255,255,255,.025) 40px, rgba(255,255,255,.025) 80px);
}

.stats-section-header { text-align: center; margin-bottom: 4rem; position: relative; z-index: 2; }

.stats-row {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
    position: relative; z-index: 2;
    margin-bottom: 2.5rem;
}

.stat-card {
    background: rgba(255,255,255,.08);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 24px;
    padding: 3rem 2rem;
    text-align: center;
    transition: background .4s, transform .4s;
}
.stat-card:hover { background: rgba(255,255,255,.13); transform: translateY(-10px); }

.stat-number {
    font-family: 'Crimson Text', serif;
    font-size: 3.8rem; font-weight: 700;
    color: var(--champagne);
    margin-bottom: .75rem;
}
.stat-card p { color: rgba(255,255,255,.92); font-size: 1.05rem; font-weight: 500; }

.contact-cta-box {
    background: rgba(255,255,255,.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,.15);
    border-radius: 28px;
    padding: 3.5rem 2rem;
    text-align: center;
    position: relative; z-index: 2;
}

.contact-cta-box h3 {
    font-family: 'Crimson Text', serif;
    font-size: 2.5rem; font-weight: 700; color: #fff; margin-bottom: .75rem;
}
.contact-cta-box p { color: rgba(255,255,255,.88); font-size: 1.1rem; margin-bottom: 2rem; }

/* ===== READY TO TALK ===== */
.cta-section {
    padding: 5rem 0;
    background: linear-gradient(to bottom, var(--cream), #fff);
}

.cta-banner {
    background: linear-gradient(135deg, #2d8659, #3fa572);
    border-radius: 32px;
    padding: 5rem 2rem;
    text-align: center;
    position: relative; overflow: hidden;
    box-shadow: 0 20px 60px rgba(45,134,89,.2);
}
.cta-banner::before {
    content: '';
    position: absolute; inset: 0;
    background-image: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(255,255,255,.04) 40px, rgba(255,255,255,.04) 80px);
}
.cta-banner h3 {
    font-family: 'Crimson Text', serif;
    font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; color: #fff; margin-bottom: 1rem;
    position: relative; z-index: 2;
}
.cta-banner p {
    font-size: 1.15rem; color: rgba(255,255,255,.9); margin-bottom: 2.25rem;
    max-width: 560px; margin-left: auto; margin-right: auto;
    position: relative; z-index: 2;
}
.btn-white {
    display: inline-flex; align-items: center; gap: .6rem;
    padding: 1.1rem 2.75rem;
    background: #fff; color: var(--forest-green);
    font-weight: 700; border-radius: 14px; font-size: 1.05rem;
    box-shadow: 0 10px 30px rgba(0,0,0,.14);
    transition: transform .3s, box-shadow .3s;
    position: relative; z-index: 2;
}
.btn-white:hover { transform: translateY(-4px); box-shadow: 0 15px 40px rgba(0,0,0,.2); color: var(--forest-green); }

/* ===== PARTNERS ===== */
.partners-section { padding: 5rem 0 6rem; background: #fff; }
.partners-header  { text-align: center; margin-bottom: 4rem; }

.partners-grid {
    display: grid;
    grid-template-columns: repeat(6, 1fr);
    gap: 1rem;
}

.partner-box {
    padding: 1.5rem 1rem;
    background: #fafafa;
    border: 1px solid #f0f0f0;
    border-radius: 16px;
    text-align: center;
    transition: background .3s, transform .3s, box-shadow .3s;
    display: flex; align-items: center; justify-content: center;
    min-height: 80px;
}
.partner-box:hover {
    background: #fff; transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(0,0,0,.08);
}
.partner-box span {
    font-family: 'Crimson Text', serif;
    font-weight: 700; font-size: 1.1rem;
    color: #aaa; letter-spacing: .03em;
    transition: color .3s;
}
.partner-box:hover span { color: var(--forest-green); }

/* ===== CAREERS ===== */
.careers-section {
    padding: 6rem 0;
    background: linear-gradient(135deg, #f8f9fa, #fff);
    position: relative; overflow: hidden;
}
.careers-section::before {
    content: '';
    position: absolute; inset: 0;
    background-image: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(45,134,89,.025) 40px, rgba(45,134,89,.025) 80px);
}

.careers-stats {
    display: flex; flex-wrap: wrap; gap: 1.5rem; margin-bottom: 2.5rem;
}
.careers-stats .stat-val { font-family: 'Crimson Text', serif; font-size: 2.5rem; font-weight: 700; }
.careers-stats .stat-val.green { color: var(--forest-green); }
.careers-stats .stat-val.gold  { color: var(--champagne); }
.careers-stats .stat-label { color: #666; font-weight: 500; margin-top: .2rem; }

/* phone mockup */
.phone-mockup {
    max-width: 320px; margin: 0 auto;
    background: linear-gradient(160deg, #1e5a3d 0%, #2d8659 60%, #3fa572 100%);
    border-radius: 40px;
    padding: 2rem 1.5rem;
    box-shadow: 0 30px 70px rgba(45,134,89,.3);
    position: relative;
}
.phone-screen {
    background: #fff; border-radius: 26px;
    padding: 1.5rem;
    min-height: 280px;
}
.phone-bar {
    height: 8px; border-radius: 8px; margin-bottom: .75rem;
    background: linear-gradient(90deg, #2d8659, #3fa572);
}
.phone-bar.short  { width: 60%; }
.phone-bar.medium { width: 80%; background: rgba(45,134,89,.2); }
.phone-bar.small  { width: 40%; background: rgba(224,168,78,.4); }

.phone-card {
    background: linear-gradient(135deg, #2d8659, #3fa572);
    border-radius: 16px; padding: 1.25rem;
    margin: 1rem 0; color: #fff; font-size: .85rem;
}
.phone-card .amount {
    font-family: 'Crimson Text', serif;
    font-size: 1.8rem; font-weight: 700; margin-top: .5rem;
}

/* ===== ACCOUNT CTA ===== */
.account-cta-section {
    padding: 5rem 0;
    background: linear-gradient(165deg, #1e5a3d, #2d8659 55%, #2a6f4f);
    position: relative; overflow: hidden;
    text-align: center;
}
.account-cta-section::before {
    content: '';
    position: absolute; inset: 0;
    background-image: repeating-linear-gradient(45deg, transparent, transparent 40px, rgba(255,255,255,.04) 40px, rgba(255,255,255,.04) 80px);
}
.account-cta-section h2 {
    font-family: 'Crimson Text', serif;
    font-size: clamp(2rem, 4vw, 3rem); font-weight: 700;
    color: #fff; margin-bottom: 1.1rem;
    position: relative; z-index: 2;
}
.account-cta-section p {
    font-size: 1.15rem; color: rgba(255,255,255,.9);
    margin-bottom: 2.5rem; max-width: 560px; margin-left: auto; margin-right: auto;
    position: relative; z-index: 2;
}
.account-cta-section a { position: relative; z-index: 2; }

/* ===== FOOTER ===== */
.footer {
    background: linear-gradient(to bottom, #1a1a1a, #0d0d0d);
    color: #fff;
    padding: 5rem 0 2rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1.4fr 1.4fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-logo {
    font-family: 'Crimson Text', serif;
    font-size: 1.9rem; font-weight: 700;
    color: #fff; margin-bottom: 1.25rem;
}
.footer-logo span { color: var(--champagne); }

.footer p.footer-desc {
    color: rgba(255,255,255,.65);
    line-height: 1.8; font-size: .9rem;
}

.footer-col h4 {
    font-family: 'Crimson Text', serif;
    font-size: 1.35rem; font-weight: 600; color: #fff;
    margin-bottom: 1.5rem;
    position: relative; padding-bottom: .75rem;
}
.footer-col h4::after {
    content: '';
    position: absolute; bottom: 0; left: 0;
    width: 40px; height: 3px;
    background: linear-gradient(90deg, #e0a84e, #ebb860);
    border-radius: 10px;
}

.footer-links { list-style: none; }
.footer-links li { margin-bottom: .75rem; }
.footer-links a {
    color: rgba(255,255,255,.65); font-size: .92rem;
    transition: color .3s, padding-left .3s; display: inline-block;
}
.footer-links a:hover { color: var(--champagne); padding-left: 5px; }

.footer-contact li {
    display: flex; gap: .75rem; align-items: flex-start;
    margin-bottom: 1rem; font-size: .92rem;
    color: rgba(255,255,255,.65);
}
.footer-contact svg { width: 18px; height: 18px; min-width: 18px; color: var(--champagne); margin-top: 2px; }
.footer-contact a { color: rgba(255,255,255,.65); transition: color .3s; }
.footer-contact a:hover { color: var(--champagne); }

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding-top: 2rem; text-align: center;
    color: rgba(255,255,255,.55); font-size: .88rem;
}

/* ===== COUNTER ANIMATION ===== */
.counter { display: inline-block; }

/* ===== SCROLL ANIMATIONS ===== */
.fade-in {
    opacity: 0; transform: translateY(30px);
    transition: opacity .7s ease, transform .7s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ===== RESPONSIVE ===== */
@media (max-width: 991px) {
    .two-col       { grid-template-columns: 1fr; }
    .stats-row     { grid-template-columns: repeat(2, 1fr); }
    .partners-grid { grid-template-columns: repeat(4, 1fr); }
    .footer-grid   { grid-template-columns: 1fr 1fr; }
    .features-grid { grid-template-columns: 1fr; }
}

@media (max-width: 767px) {
    .nav-menu { display: none; flex-direction: column; align-items: flex-start; gap: 0;
                position: absolute; top: 100%; left: 0; right: 0;
                background: #fff; padding: 1.5rem;
                box-shadow: 0 10px 30px rgba(0,0,0,.1);
                border-radius: 0 0 16px 16px; }
    .nav-menu.open { display: flex; }
    .nav-menu li { width: 100%; padding: .75rem 0; border-bottom: 1px solid #f0f0f0; }
    .nav-menu li:last-child { border-bottom: none; }
    .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none;
                    box-shadow: none; border: none; background: #f8f9fa; }
    .ebanking-btn  { width: 100%; justify-content: center; margin-top: 1rem; }
    .hamburger     { display: block; }
    .navbar        { position: relative; }

    .cta-group     { flex-direction: column; }
    .btn-hero-secondary, .btn-primary-gold { width: 100%; justify-content: center; }
    .trust-badges  { gap: 1.25rem; }
    .stats-row     { grid-template-columns: repeat(2, 1fr); }
    .partners-grid { grid-template-columns: repeat(3, 1fr); }
    .footer-grid   { grid-template-columns: 1fr; }
    .features-cards-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .partners-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-row     { grid-template-columns: 1fr 1fr; }
}

/* Spin animation for decorative circles */
@keyframes spin { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }