/* .selector-for-some-widget {
  box-sizing: content-box;
} */

:root {
    --brand-red: #c90000;
    --text-dark: #2b2929;
    --border-color: #dedede;
}

  :root { --ms-red:c90000; --ms-grey:#cfcfcf; --ms-grey-dark:#a3a3a3; --ms-pill:#555; }

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--text-dark);
}

/* =========================
    TOP NAVIGATION
========================== */

.top-nav {
    border-bottom: 1px solid var(--border-color);
    background: #fff;
}

.top-nav .navbar {
    min-height: 54px;
}

.top-nav .nav-link {
    color: #514c4c;
    font-size: 17px;
    padding: 0.9rem 1rem !important;
    transition: color 0.2s ease;
}

.top-nav .nav-link:hover,
.top-nav .nav-link.active {
    color: var(--brand-red);
}

/* =========================
    MAIN NAVIGATION
========================== */

.main-nav {
    background: #fff;
    border-bottom: 1px solid #e5e5e5;
    box-shadow: 0 3px 8px rgba(0, 0, 0, 0.04);
}

.main-nav .navbar {
    min-height: 75px;
}

.main-nav .nav-link {
    color: #292727;
    font-size: 20px;
    padding: 1.2rem 0.85rem !important;
    white-space: nowrap;
}

.main-nav .nav-link:hover {
    color: var(--brand-red);
}

/* Dropdown arrow */
.main-nav .dropdown-toggle::after {
    margin-left: 7px;
    vertical-align: middle;
    border-top: 5px solid currentColor;
    border-right: 4px solid transparent;
    border-left: 4px solid transparent;
}

/* =========================
    SEARCH
========================== */

.search-button {
    border: 0;
    background: transparent;
    color: #111;
    font-size: 24px;
    padding: 8px 18px;
    transition: color 0.2s ease;
}

.search-button:hover {
    color: var(--brand-red);
}

/* =========================
    INTERNET BANKING BUTTON
========================== */

.internet-banking {
    display: inline-flex;
    align-items: center;
    gap: 14px;

    background: var(--brand-red);
    color: #fff;

    border-radius: 30px;

    padding: 14px 25px !important;

    font-size: 18px;
    font-weight: 500;

    text-decoration: none;

    transition: background 0.2s ease,
                color 0.2s ease,
                transform 0.2s ease;
}

.internet-banking:hover {
    background: #ffffff;
    color: #000;
    transform: translateY(-1px);
}

.internet-banking i {
    font-size: 16px;
}

/* =========================
    MOBILE
========================== */

@media (max-width: 991.98px) {

    .top-nav .navbar {
        min-height: auto;
    }

    .top-nav .navbar-collapse {
        padding-bottom: 10px;
    }

    .top-nav .nav-link {
        padding: 10px 0 !important;
    }

    .main-nav .navbar {
        min-height: 65px;
    }

    .main-nav .nav-link {
        font-size: 17px;
        padding: 12px 0 !important;
    }

    .main-nav .navbar-collapse {
        padding: 10px 0 20px;
    }

    .main-nav .dropdown-menu {
        border: 0;
        padding-left: 15px;
    }

    .search-button {
        padding: 12px 0;
    }

    .internet-banking {
        display: flex;
        justify-content: center;
        margin-top: 10px;
        width: 100%;
    }
}

/* =========================
    SMALL MOBILE
========================== */

@media (max-width: 575.98px) {

    .top-nav .navbar-brand,
    .main-nav .navbar-brand {
        font-size: 18px;
    }

    .navbar-toggler {
        border: 0;
        padding: 5px;
    }

    .navbar-toggler:focus {
        box-shadow: none;
    }

    .main-nav .navbar {
        min-height: 60px;
    }
}

/* =========================
   SEARCH OVERLAY
========================= */

#searchOverlay {
    background: rgba(0, 0, 0, 0.55);
}

.search-modal-dialog {
    max-width: 850px;
    margin-top: 90px;
    align-items: flex-start;
}

.search-modal-content {
    border: 0;
    border-radius: 0;
    background: transparent;
    box-shadow: none;
}

.search-modal-content .modal-body {
    padding: 0;
}

.search-box {
    background: #fff;
    padding: 25px 30px;
    border-radius: 4px;
    box-shadow: 0 10px 40px rgba(0, 0, 0, 0.2);
}

.search-input {
    height: 60px;
    border: 1px solid #ddd;
    border-right: 0;
    border-radius: 4px 0 0 4px !important;

    font-size: 20px;
    padding: 0 20px;

    box-shadow: none !important;
}

.search-input:focus {
    border-color: #c90000;
}

.search-submit {
    width: 65px;
    background: #c90000;
    color: #fff;

    border-radius: 0 4px 4px 0 !important;
    border: 1px solid #c90000;

    font-size: 22px;
}

.search-submit:hover {
    background: #b50000;
    border-color: #b50000;
    color: #fff;
}


/* =========================
   MOBILE SEARCH
========================= */

@media (max-width: 767.98px) {

    .search-modal-dialog {
        margin: 75px 15px 0;
    }

    .search-box {
        padding: 15px;
    }

    .search-input {
        height: 52px;
        font-size: 17px;
    }

    .search-submit {
        width: 55px;
    }
}


/* ==========================================
   GLOBAL
========================================== */

.site-header {
    width: 100%;
    font-family: Arial, Helvetica, sans-serif;
    position: relative;
    z-index: 1000;
}

.header-container {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: stretch;
}


/* ==========================================
   TOP HEADER
========================================== */

.top-header {
    height: 40px;
    background: #ffffff;
    border-bottom: 1px solid #eeeeee;
}

.top-header .header-container {
    align-items: stretch;
}


/* Language */

.language-selector {
    width: 240px;

    display: flex;
    align-items: center;
    gap: 8px;

    padding-left: 72px;

    color: #444;
    font-size: 16px;

    border-right: 1px solid #eeeeee;
}

.flag-icon {
    width: 28px;
    height: 19px;
    object-fit: cover;
}

.language-arrow {
    color: #c90000;
    font-size: 18px;
    margin-left: 3px;
}


/* ==========================================
   PRIMARY NAV
========================================== */

.primary-nav {
    display: flex;
    align-items: stretch;
}

.primary-link {
    display: flex;
    align-items: center;

    padding: 0 15px;

    color: #111;
    text-decoration: none;

    font-size: 16px;

    transition: .2s ease;
}

.primary-link:hover {
    color: #d60000;
}

.primary-link.active {
    background: #d60000;
    color: #ffffff;
}


/* ==========================================
   UTILITY NAV
========================================== */

.utility-nav {
    margin-left: auto;

    display: flex;
    align-items: center;

    gap: 24px;

    padding-right: 70px;
}

.utility-nav a {
    color: #111;
    text-decoration: none;
    font-size: 15px;

    white-space: nowrap;
}

.utility-nav a:hover {
    color: #c90000;
}

.utility-nav .talk-link {
    color: #c90000;
}

.whatsapp-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    margin-left: 3px;

    font-size: 15px;
}


/* ==========================================
   RED HEADER
========================================== */

.main-header {
    height: 67px;
    background: #c90000;
    color: #ffffff;
    margin-top: 0;
}

.main-header .header-container {
    position: relative;
}


/* ==========================================
   LOGO
========================================== */

.brand-logo {
    width: 240px;
    height: 67px;

    background: #ffffff;

    display: flex;
    align-items: center;
    justify-content: center;

    text-decoration: none;
}

.brand-logo img {
    width: 155px;
    max-height: 58px;
    object-fit: contain;
}


/*
    IMPORTANT:
    Replace the image URL in the HTML with your
    actual Caritas logo.
*/


/* ==========================================
   RED NAVIGATION
========================================== */

.main-navigation {
    flex: 1;

    display: flex !important;
    align-items: center;
    justify-content: space-between;
}

.red-nav {
    display: flex;
    align-items: center;

    gap: 20px;

    padding-left: 28px;
}

.red-nav a {
    color: #ffffff;
    text-decoration: none;

    font-size: 18px;
    font-weight: 400;

    transition: opacity .2s ease;
}

.red-nav a:hover {
    opacity: .75;
}

.nav-dot {
    font-size: 16px;
    color: #ffffff;
}


/* ==========================================
   RIGHT ACTIONS
========================================== */

.header-actions {
    display: flex;
    align-items: center;

    gap: 28px;

    padding-right: 68px;
}


/* Search */

.search-button {
    border: 0;
    background: transparent;

    color: #ffffff;

    width: 30px;
    height: 40px;

    padding: 0;

    display: flex;
    align-items: center;
    justify-content: center;

    cursor: pointer;
}


/* Internet banking */

.internet-banking {
    height: 48px;

    padding: 0 20px;

    border: 1px solid #ffffff;
    border-radius: 30px;

    display: flex;
    align-items: center;
    justify-content: center;

    gap: 15px;

    background: transparent;

    color: #ffffff;
    text-decoration: none;

    font-size: 17px;

    white-space: nowrap;

    transition:
        background .2s ease,
        border-color .2s ease,
        color .2s ease;
}

.internet-banking:hover {
    background: #ffffff;

    border-color: #ffffff;

    color: #000;
}

.login-arrow {
    font-size: 25px;
    line-height: 1;
}


/* ==========================================
   MOBILE BUTTON
========================================== */

.mobile-toggle {
    display: none;

    border: 0;
    background: transparent;

    padding: 10px;

    margin-left: auto;
    margin-right: 15px;
}

.mobile-toggle span {
    display: block;

    width: 25px;
    height: 2px;

    margin: 5px;

    background: #ffffff;
}


/* ==========================================
   SEARCH OVERLAY
========================================== */

.search-overlay {
    position: fixed;

    inset: 0;

    background: rgba(0, 0, 0, .55);

    display: none;

    align-items: flex-start;
    justify-content: center;

    padding-top: 110px;

    z-index: 9999;
}

.search-overlay.show {
    display: flex;
}

.search-overlay-inner {
    width: min(850px, 90%);

    background: #ffffff;

    padding: 35px;

    border-radius: 10px;

    position: relative;

    box-shadow: 0 20px 60px rgba(0, 0, 0, .25);
}

.search-close {
    position: absolute;

    top: 10px;
    right: 15px;

    border: 0;
    background: transparent;

    font-size: 30px;
    line-height: 1;

    cursor: pointer;
}

.search-form {
    display: flex;
    gap: 10px;

    margin-top: 10px;
}

.search-form input {
    flex: 1;

    height: 55px;

    border: 1px solid #ddd;
    border-radius: 5px;

    padding: 0 18px;

    font-size: 17px;

    outline: none;
}

.search-form input:focus {
    border-color: #c90000;
}

.search-form button {
    height: 55px;

    padding: 0 28px;

    border: 0;
    border-radius: 5px;

    background: #c90000;
    color: #ffffff;

    font-size: 16px;
}

.language-selector .dropdown-toggle::before, .language-selector .dropdown-toggle::after {
    content: none;
}

.language-selector .dropdown {
    outline: none;
    border: none;
    background: transparent;
}

.language-btn:hover,
        .language-btn:focus,
        .language-btn:active {
            background: #fff !important;
            color: #222 !important;
            box-shadow: none !important;
        }

        .language-btn .chevron {
            font-size: 13px;
            color: var(--brand-red);
            transition: transform .2s ease;
        }

        .language-dropdown.show .chevron {
            transform: rotate(180deg);
        }

        /* Flags */

        .flag {
            width: 27px;
            height: 18px;
            display: inline-block;
            position: relative;
            overflow: hidden;
            border-radius: 1px;
            flex-shrink: 0;
        }

        /* United Kingdom (Union Jack) */

        .flag-uk {
            background-color: #012169;
        }

        /* White + red diagonals */

        .flag-uk::before {
            content: "";
            position: absolute;
            inset: 0;
            background:
                linear-gradient(
                    to top right,
                    transparent calc(50% - 3px),
                    #fff calc(50% - 3px),
                    #fff calc(50% + 3px),
                    transparent calc(50% + 3px)
                ),
                linear-gradient(
                    to top left,
                    transparent calc(50% - 3px),
                    #fff calc(50% - 3px),
                    #fff calc(50% + 3px),
                    transparent calc(50% + 3px)
                );
        }

        /* Red diagonals + red cross */

        .flag-uk::after {
            content: "";
            position: absolute;
            inset: 0;
            background:
                linear-gradient(
                    to top right,
                    transparent calc(50% - 1px),
                    #c8102e calc(50% - 1px),
                    #c8102e calc(50% + 1px),
                    transparent calc(50% + 1px)
                ),
                linear-gradient(
                    to top left,
                    transparent calc(50% - 1px),
                    #c8102e calc(50% - 1px),
                    #c8102e calc(50% + 1px),
                    transparent calc(50% + 1px)
                ),
                linear-gradient(
                    90deg,
                    transparent 42%, #fff 42%, #fff 58%, transparent 58%
                ),
                linear-gradient(
                    0deg,
                    transparent 38%, #fff 38%, #fff 62%, transparent 62%
                ),
                linear-gradient(
                    90deg,
                    transparent 46%, #c8102e 46%, #c8102e 54%, transparent 54%
                ),
                linear-gradient(
                    0deg,
                    transparent 42%, #c8102e 42%, #c8102e 58%, transparent 58%
                );
        }

        /* Kenya */

        .flag-ke {
            background:
                linear-gradient(
                    to bottom,
                    #000 0 30%,
                    #fff 30% 34%,
                    #c90000 34% 66%,
                    #fff 66% 70%,
                    #006b3f 70% 100%
                );
        }

        /* Maasai shield + spears */

        .flag-ke::after {
            content: "";
            position: absolute;
            width: 8px;
            height: 14px;
            background: #c90000;
            border: 1px solid #fff;
            border-radius: 50% 50% 50% 50% / 60% 60% 40% 40%;
            left: 50%;
            top: 50%;
            transform: translate(-50%, -50%);
            box-shadow: 0 0 0 1px rgba(0,0,0,.35);
        }

        .language-dropdown .dropdown-menu {
            min-width: 240px;
            padding: 8px;
            margin-top: 0;
            border: 1px solid #eee;
            border-radius: 0 0 8px 8px;
            box-shadow: 0 8px 20px rgba(0, 0, 0, .08);
        }

        .language-dropdown .dropdown-item {
            display: flex;
            align-items: center;
            gap: 10px;
            padding: 10px 12px;
            border-radius: 5px;
            font-size: 15px;
        }

        .language-dropdown .dropdown-item:hover {
            background: #f8f8f8;
        }

        .language-dropdown .dropdown-item.active {
            background: #fff1f1;
            color: var(--brand-red);
        }



/* ==========================================
   TABLET
========================================== */

@media (max-width: 1200px) {

    .language-selector {
        width: 200px;
        padding-left: 30px;
    }

    .primary-link {
        padding: 0 10px;
        font-size: 14px;
    }

    .utility-nav {
        gap: 15px;
        padding-right: 25px;
    }

    .utility-nav a {
        font-size: 13px;
    }

    .brand-logo {
        width: 200px;
    }

    .header-actions {
        padding-right: 25px;
        gap: 18px;
    }

    .red-nav {
        padding-left: 20px;
    }

    .red-nav a {
        font-size: 16px;
    }
}


/* ==========================================
   MOBILE
========================================== */

@media (max-width: 991.98px) {

    /* Top bar */

    .top-header {
        height: auto;
        margin-bottom: 0;
    }

    .top-header .header-container {
        flex-wrap: wrap;
    }

    .language-selector {
        width: auto;

        height: 42px;

        padding: 0 20px;

        border: 0;
    }

    .primary-nav {
        display: none;
    }

    .utility-nav {
        display: none;
    }


    /* Main red header */

    .main-header {
        height: 65px;
    }

    .brand-logo {
        width: 180px;
        height: 65px;
    }

    .brand-logo img {
        width: 140px;
    }

    .mobile-toggle {
        display: block;
    }

    .main-navigation {
        position: absolute;

        top: 65px;
        left: 0;
        right: 0;

        width: 100%;

        background: #c90000;

        display: none !important;

        flex-direction: column;

        align-items: stretch;

        padding: 15px 20px 25px;

        box-shadow: 0 10px 20px rgba(0,0,0,.15);
    }

    .main-navigation.show,
    .main-navigation.collapsing {
        display: flex !important;
    }

    .red-nav {
        flex-direction: column;
        align-items: flex-start;

        gap: 0;

        padding: 0;
    }

    .red-nav a {
        width: 100%;
        padding: 13px 0;

        font-size: 17px;
    }

    .nav-dot {
        display: none;
    }

    .header-actions {
        width: 100%;

        padding: 20px 0 0;

        justify-content: space-between;

        gap: 15px;
    }

    .internet-banking {
        flex: 1;

        height: 45px;

        font-size: 15px;
    }
}


/* ==========================================
   SMALL MOBILE
========================================== */

@media (max-width: 575.98px) {

    .brand-logo {
        width: 165px;
    }

    .brand-logo img {
        width: 130px;
    }

    .language-selector {
        padding-left: 15px;
        font-size: 14px;
    }

    .search-overlay {
        padding-top: 80px;
    }

    .search-overlay-inner {
        padding: 30px 20px 20px;
    }

    .search-form {
        flex-direction: column;
    }

    .search-form button {
        width: 100%;
    }
}


/* =====================================
   HERO SLIDER
===================================== */

.hero-slider {
    width: 100%;
    overflow: hidden;
}

.hero-slider .carousel,
.hero-slider .carousel-inner,
.hero-slider .carousel-item {
    width: 100%;
}


/* =====================================
   SLIDE
===================================== */

.hero-slide {
    position: relative;

    min-height: 680px;

    background-position: center center;
    background-size: cover;
    background-repeat: no-repeat;

    display: flex;
    align-items: center;
}


/* =====================================
   DARK OVERLAY
===================================== */

.hero-overlay {
    position: absolute;
    inset: 0;

    background:
        linear-gradient(
            90deg,
            rgba(0, 0, 0, 0.78) 0%,
            rgba(0, 0, 0, 0.62) 28%,
            rgba(0, 0, 0, 0.25) 52%,
            rgba(0, 0, 0, 0.05) 75%
        );
}


/* =====================================
   CONTENT
===================================== */

.hero-content {
    position: relative;
    z-index: 2;

    color: #fff;

    padding-top: 20px;
    padding-bottom: 100px;
}

.hero-content h1 {
    margin: 0 0 18px;

    font-size: clamp(42px, 4.2vw, 68px);

    line-height: 1.05;

    font-weight: 700;

    letter-spacing: -1.5px;
}

.hero-content p {
    max-width: 650px;

    margin: 0 0 55px;

    font-size: clamp(19px, 1.7vw, 29px);

    line-height: 1.35;

    font-weight: 400;
}


/* =====================================
   BUTTONS
===================================== */

.hero-buttons {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-wrap: wrap;
}


.btn-primary-custom {
    display: inline-flex;
    align-items: center;
    gap: 15px;

    background: #d90000;
    border: 2px solid #d90000;

    color: #fff;

    border-radius: 40px;

    padding: 15px 27px;

    font-size: 17px;
    font-weight: 500;

    transition: all .2s ease;
}

.btn-primary-custom:hover {
    background: #b90000;
    border-color: #b90000;
    color: #fff;

    transform: translateY(-2px);
}

.btn-primary-custom i {
    font-size: 14px;
}


/* Outline button */

.btn-outline-light-custom {
    display: inline-flex;
    align-items: center;

    border: 1px solid rgba(255,255,255,.9);

    color: #fff;

    background: transparent;

    border-radius: 40px;

    padding: 15px 28px;

    font-size: 17px;
    font-weight: 400;

    transition: all .2s ease;
}

.btn-outline-light-custom:hover {
    background: #fff;
    color: #222;

    border-color: #fff;
}


/* =====================================
   CAROUSEL INDICATORS
===================================== */

.custom-indicators {
    position: absolute;

    bottom: 40px;

    left: 50%;
    transform: translateX(-50%);

    margin: 0;

    width: auto;

    display: flex;
    align-items: center;

    gap: 8px;

    z-index: 5;
}

.custom-indicators button {
    width: 11px;
    height: 11px;

    padding: 0;
    margin: 0;

    border: 0;

    border-radius: 50%;

    background-color: rgba(255,255,255,.65);

    opacity: 1;

    transition:
        width .25s ease,
        border-radius .25s ease,
        background-color .25s ease;
}


/* Active indicator becomes pill */

.custom-indicators button.active {
    width: 52px;

    border-radius: 10px;

    background-color: #fff;
}


/* =====================================
   MOBILE
===================================== */

@media (max-width: 991.98px) {

    .hero-slide {
        min-height: 600px;

        background-position: 60% center;
    }

    .hero-overlay {
        background:
            linear-gradient(
                90deg,
                rgba(0,0,0,.78) 0%,
                rgba(0,0,0,.55) 55%,
                rgba(0,0,0,.25) 100%
            );
    }

    .hero-content {
        padding-top: 30px;
        padding-bottom: 80px;
    }

    .hero-content h1 {
        font-size: clamp(38px, 7vw, 55px);
    }

    .hero-content p {
        font-size: 20px;
        margin-bottom: 35px;
    }
}


/* =====================================
   SMALL MOBILE
===================================== */

@media (max-width: 575.98px) {

    .hero-slide {
        min-height: 620px;

        background-position: 65% center;
    }

    .hero-overlay {
        background:
            linear-gradient(
                90deg,
                rgba(0,0,0,.82) 0%,
                rgba(0,0,0,.62) 65%,
                rgba(0,0,0,.35) 100%
            );
    }

    .hero-content {
        padding: 30px 15px 80px;
    }

    .hero-content h1 {
        font-size: 38px;
        line-height: 1.08;
        letter-spacing: -0.8px;
    }

    .hero-content p {
        font-size: 18px;
        line-height: 1.4;
        margin-bottom: 35px;
    }

    .hero-buttons {
        flex-direction: column;
        align-items: flex-start;
    }

    .btn-primary-custom,
    .btn-outline-light-custom {
        padding: 13px 22px;
        font-size: 16px;
    }

    .custom-indicators {
        bottom: 25px;
    }
}

/* =========================================
   CURRENCY TICKER (FOREX BAR)
========================================= */

.currency-ticker {
    --ticker-gap: 0px;
    --ticker-duration: 65s;
    --ticker-distance: 0px;

    width: 100%;

    background: #000;

    position: relative;
}


/* =========================================
   BAR (LABEL + VIEWPORT)
========================================= */

.currency-ticker__bar {
    display: flex;

    align-items: stretch;
}


/* =========================================
   RED LABEL
========================================= */

.currency-ticker__label {
    flex-shrink: 0;

    display: flex;

    align-items: center;

    gap: 10px;

    padding: 18px 28px;

    background: var(--brand-red);

    color: #fff;

    font-size: 16px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;

    white-space: nowrap;

    position: relative;

    z-index: 2;
}

.currency-ticker__label i {
    font-size: 19px;
}


/* =========================================
   VIEWPORT
========================================= */

.currency-ticker__viewport {
    flex: 1;

    min-width: 0;

    overflow: hidden;
}


/* =========================================
   MOVING TRACK
========================================= */

.currency-ticker__track {
    display: flex;

    width: max-content;

    will-change: transform;

    animation:
        currencyTickerScroll
        var(--ticker-duration)
        linear
        infinite;
}


/*
 * The animation moves exactly one complete
 * set plus the gap between the sets.
 */

@keyframes currencyTickerScroll {

    from {
        transform: translate3d(0, 0, 0);
    }

    to {
        transform:
            translate3d(
                calc(-1 * var(--ticker-distance)),
                0,
                0
            );
    }
}


/* =========================================
   INDIVIDUAL SET
========================================= */

.currency-ticker__set {
    display: flex;

    flex-shrink: 0;

    width: max-content;
}


/* =========================================
   FOREX ITEM
========================================= */

.forex-item {
    display: flex;

    align-items: center;

    gap: 18px;

    padding: 18px 34px;

    border-right: 1px solid rgba(255, 255, 255, 0.1);

    white-space: nowrap;
}


/* Pair (flags + currency codes) */

.forex-item__pair {
    display: flex;

    align-items: center;

    gap: 10px;

    color: #fff;

    font-size: 15px;
}

.forex-item__pair strong {
    font-weight: 700;
}

.forex-item__flags {
    display: inline-flex;

    align-items: center;

    gap: 3px;

    line-height: 1;
}

.forex-item__flags .flag {
    width: 24px;
    height: 16px;

    display: inline-block;

    position: relative;

    overflow: hidden;

    border-radius: 2px;

    flex-shrink: 0;
}

/* Kenya */

.forex-item__flags .flag-ke {
    background:
        linear-gradient(
            to bottom,
            #000 0 28%,
            #fff 28% 34%,
            #c90000 34% 66%,
            #fff 66% 72%,
            #006b3f 72% 100%
        );
}

.forex-item__flags .flag-ke::after {
    content: "";

    position: absolute;

    width: 6px;
    height: 11px;

    background: #fff;

    border-radius: 45%;

    left: 50%;
    top: 50%;

    transform: translate(-50%, -50%);

    box-shadow: 0 0 0 1px #111;
}

/* Uganda */

.forex-item__flags .flag-ug {
    background:
        linear-gradient(
            to bottom,
            #000 0 16.66%,
            #fcdc04 16.66% 33.33%,
            #d90000 33.33% 50%,
            #000 50% 66.66%,
            #fcdc04 66.66% 83.33%,
            #d90000 83.33% 100%
        );
}

.forex-item__flags .flag-ug::after {
    content: "";

    position: absolute;

    width: 8px;
    height: 8px;

    background: #fff;

    border-radius: 50%;

    left: 50%;
    top: 50%;

    transform: translate(-50%, -50%);
}

/* Tanzania */

.forex-item__flags .flag-tz {
    background:
        linear-gradient(
            135deg,
            #1eb53a 0 38%,
            #fcd116 38% 42%,
            #000 42% 58%,
            #fcd116 58% 62%,
            #00a3dd 62% 100%
        );
}

/* China */

.forex-item__flags .flag-cn {
    background: #de2910;
}

.forex-item__flags .flag-cn::after {
    content: "";

    position: absolute;

    width: 6px;
    height: 6px;

    background: #ffde00;

    border-radius: 50%;

    left: 3px;
    top: 3px;
}

/* USA */

.forex-item__flags .flag-us {
    background:
        linear-gradient(
            to bottom,
            #b22234 0 100%
        );

    background:
        repeating-linear-gradient(
            to bottom,
            #b22234 0 12.5%,
            #fff 12.5% 25%
        );
}

.forex-item__flags .flag-us::after {
    content: "";

    position: absolute;

    width: 45%;
    height: 55%;

    background: #3c3b6e;

    left: 0;
    top: 0;
}

/* European Union */

.forex-item__flags .flag-eu {
    background: #003399;
}

.forex-item__flags .flag-eu::after {
    content: "";

    position: absolute;

    width: 9px;
    height: 9px;

    border: 1.5px solid #ffcc00;
    border-radius: 50%;

    background: transparent;

    left: 50%;
    top: 50%;

    transform: translate(-50%, -50%);
}

/* United Kingdom */

/* United Kingdom (Union Jack) */

.forex-item__flags .flag-gb {
    background-color: #012169;
}

.forex-item__flags .flag-gb::before,
.forex-item__flags .flag-gb::after {
    content: "";

    position: absolute;

    inset: 0;
}

.forex-item__flags .flag-gb::before {
    background:
        linear-gradient(
            to top right,
            transparent calc(50% - 2px), #fff calc(50% - 2px), #fff calc(50% + 2px), transparent calc(50% + 2px)
        ),
        linear-gradient(
            to top left,
            transparent calc(50% - 2px), #fff calc(50% - 2px), #fff calc(50% + 2px), transparent calc(50% + 2px)
        );
}

.forex-item__flags .flag-gb::after {
    background:
        linear-gradient(
            to top right,
            transparent calc(50% - 1px), #c8102e calc(50% - 1px), #c8102e calc(50% + 1px), transparent calc(50% + 1px)
        ),
        linear-gradient(
            to top left,
            transparent calc(50% - 1px), #c8102e calc(50% - 1px), #c8102e calc(50% + 1px), transparent calc(50% + 1px)
        ),
        linear-gradient(90deg, transparent 42%, #fff 42%, #fff 58%, transparent 58%),
        linear-gradient(0deg, transparent 38%, #fff 38%, #fff 62%, transparent 62%),
        linear-gradient(90deg, transparent 46%, #c8102e 46%, #c8102e 54%, transparent 54%),
        linear-gradient(0deg, transparent 42%, #c8102e 42%, #c8102e 58%, transparent 58%);
}

/* Japan */

.forex-item__flags .flag-jp {
    background: #fff;
}

.forex-item__flags .flag-jp::after {
    content: "";

    position: absolute;

    width: 8px;
    height: 8px;

    background: #bc002d;

    border-radius: 50%;

    left: 50%;
    top: 50%;

    transform: translate(-50%, -50%);
}

/* South Africa */

.forex-item__flags .flag-za {
    background:
        linear-gradient(
            to bottom,
            #e03c31 0 33%,
            #fff 33% 40%,
            #007749 40% 60%,
            #fff 60% 67%,
            #001489 67% 100%
        );
}


/* Buy / Sell rates */

.forex-item__rate {
    display: flex;

    align-items: baseline;

    gap: 7px;
}

.forex-item__type {
    color: rgba(255, 255, 255, 0.5);

    font-size: 13px;
}

.forex-item__value {
    color: #fff;

    font-size: 18px;
    font-weight: 700;
}


/* Change badge */

.forex-item__change {
    padding: 4px 12px;

    border-radius: 20px;

    font-size: 13px;
    font-weight: 700;
}

.forex-item__change--up {
    background: rgba(46, 160, 67, 0.16);

    color: #3ecf5e;
}

.forex-item__change--down {
    background: rgba(224, 49, 49, 0.16);

    color: #ff5252;
}


/* =========================================
   PAUSE ON HOVER
========================================= */

.currency-ticker:hover
.currency-ticker__track {
    animation-play-state: paused;
}


/* =========================================
   MOBILE
========================================= */

@media (max-width: 767.98px) {

    .currency-ticker {
        --ticker-duration: 50s;
    }

    .currency-ticker__label {
        padding: 13px 16px;

        font-size: 13px;
    }

    .forex-item {
        gap: 12px;

        padding: 13px 20px;
    }

    .forex-item__value {
        font-size: 16px;
    }
}


/* =========================================
   REDUCED MOTION
========================================= */

@media (prefers-reduced-motion: reduce) {

    .currency-ticker__track {
        animation: none;
        transform: none;
    }
}

/* =========================================
   PRODUCTS SECTION
========================================= */

.products-section {
    background: #f7f7f7;
    padding: 75px 0 80px;
    overflow: hidden;
    border-bottom: 1px solid #e8e4e4;
}

.products-container {
    padding-left: 4%;
    padding-right: 0;
}


/* =========================================
   HEADING
========================================= */

.products-heading {
    display: flex;
    align-items: center;
    justify-content: space-between;

    margin-bottom: 32px;

    padding-right: 3%;
}

.section-eyebrow {
    color: #c90000;

    font-size: 14px;
    font-weight: 500;

    letter-spacing: 4px;

    margin-bottom: 7px;
}

.products-heading h2 {
    margin: 0;

    color: #050505;

    font-size: clamp(40px, 3.3vw, 50px);

    line-height: 1.05;

    font-weight: 700;

    letter-spacing: -1px;
}

.products-heading p {
    margin: 10px 0 0;

    color: #625c58;

    font-size: 20px;

    line-height: 1.4;
}


/* =========================================
   ALL PRODUCTS BUTTON
========================================= */

.all-products-btn {
    display: inline-flex;

    align-items: center;
    justify-content: center;

    gap: 8px;

    flex-shrink: 0;

    margin-top: 5px;

    padding: 10px 24px;

    border-radius: 8px;

    border: 1px solid #e0dcdc;

    background: transparent;

    color: #050505;

    font-size: 14px;
    font-weight: 600;

    text-decoration: none;

    white-space: nowrap;

    transition: border-color .2s ease, color .2s ease;
}

.all-products-btn:hover {
    border-color: var(--brand-red);
    color: var(--brand-red);
    text-decoration: none;
}

.all-products-btn i {
    font-size: 13px;
}


/* =========================================
   PRODUCTS SLIDER
========================================= */

.products-slider {
    width: 100%;

    overflow: hidden;
}

.products-track {
    display: flex;

    gap: 16px;

    width: max-content;
}


/* =========================================
   PRODUCT CARD
========================================= */

.product-card {
    position: relative;

    flex: 0 0 431px;

    width: 431px;
    height: 277px;

    padding: 40px;

    border-radius: 14px;

    overflow: hidden;

    box-sizing: border-box;

    transition: box-shadow .3s ease, transform .3s ease;
}

.product-card:hover {
    box-shadow: 0 12px 32px rgba(0, 0, 0, .1);
    transform: translateY(-4px);
}


/* =========================================
   CARD COLOURS
========================================= */

.product-card--red {
    background: #fbe6e4;
    color: #080808;
}

.product-card--green {
    background: #e7f5e4;
    color: #080808;
}

.product-card--mint {
    background: #e5f4ef;
    color: #080808;
}

.product-card--black {
    background: #000;
    color: #fff;
}


/* =========================================
   DECORATIVE CIRCLE
========================================= */

.product-decoration {
    position: absolute;

    width: 114px;
    height: 114px;

    top: -1px;
    right: -1px;

    border-radius: 50%;
}

.product-card--red .product-decoration {
    background: #f2cdca;
}

.product-card--green .product-decoration {
    background: #cce8c7;
}

.product-card--mint .product-decoration {
    background: #d0ebe2;
}

.product-card--black .product-decoration {
    background: #222;
}


/* =========================================
   ICON
========================================= */

.product-icon {
    position: relative;
    z-index: 2;

    width: 50px;
    height: 50px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 11px;

    margin-bottom: 18px;
}

.product-card--red .product-icon {
    background: #c90000;
    color: #fff;
}

.product-card--green .product-icon {
    background: #43aa3f;
    color: #fff;
}

.product-card--mint .product-icon {
    background: #68c19c;
    color: #fff;
}

.product-card--black .product-icon {
    background: #fff;
    color: #000;
}

.product-icon i {
    font-size: 23px;
}


/* =========================================
   CONTENT
========================================= */

.product-content {
    position: relative;
    z-index: 2;

    max-width: 370px;
}

.product-content h3 {
    margin: 0 0 8px;

    font-size: 25px;

    line-height: 1.15;

    font-weight: 500;

    letter-spacing: -.4px;
}

.product-content p {
    margin: 0;

    font-size: 17px;

    line-height: 1.45;

    color: #5c5653;
}

.product-card--black .product-content p {
    color: #f1f1f1;
}


/* =========================================
   LEARN MORE
========================================= */

.learn-more {
    position: absolute;

    right: 45px;
    bottom: 40px;

    z-index: 3;

    display: inline-flex;

    align-items: center;

    gap: 22px;

    color: #080808;

    font-size: 16px;

    text-decoration: none;

    transition: gap .2s ease;
}

.product-card--black .learn-more {
    color: #fff;
}

.learn-more:hover {
    color: inherit;

    gap: 28px;
}

.learn-more i {
    font-size: 14px;
}


/* =========================================
   TABLET
========================================= */

@media (max-width: 991.98px) {

    .products-section {
        padding: 60px 0;
    }

    .products-container {
        padding-left: 30px;
    }

    .products-heading {
        align-items: flex-start;

        gap: 30px;

        padding-right: 30px;
    }

    .products-heading h2 {
        font-size: 40px;
    }

    .products-heading p {
        font-size: 18px;
    }

    .product-card {
        flex-basis: 390px;

        width: 390px;
    }
}


/* =========================================
   MOBILE
========================================= */

@media (max-width: 767.98px) {

    .products-section {
        padding: 50px 0;
    }

    .products-container {
        padding-left: 20px;
    }

    .products-heading {
        display: block;

        padding-right: 20px;

        margin-bottom: 25px;
    }

    .section-eyebrow {
        font-size: 12px;

        letter-spacing: 3px;
    }

    .products-heading h2 {
        font-size: 34px;

        line-height: 1.1;
    }

    .products-heading p {
        font-size: 17px;
    }

    .all-products-btn {
        margin-top: 25px;
    }

    .product-card {
        flex-basis: 330px;

        width: 330px;
        height: 275px;

        padding: 30px;
    }

    .product-content h3 {
        font-size: 23px;
    }

    .product-content p {
        font-size: 16px;
    }

    .learn-more {
        right: 30px;
        bottom: 30px;
    }
}

.products-slider {
    overflow-x: auto;
    overflow-y: hidden;

    scrollbar-width: none;

    cursor: grab;
}

.products-slider::-webkit-scrollbar {
    display: none;
}

.products-slider:active {
    cursor: grabbing;
}

/* =====================================================
   HELP SECTION
===================================================== */

.help-section {
    width: 100%;

    background: #faf9f8;

    padding: 56px 0 72px;

    overflow: hidden;
}


/* =====================================================
   CONTAINER
===================================================== */

.help-container {
    width: 100%;

    padding: 0 24px;
}


/* =====================================================
   TITLE
===================================================== */

.help-title {
    text-align: center;

    margin-bottom: 28px;
}

.help-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.help-subtitle {
    margin: 14px auto 0;
    color: #6d6767;
    font-size: 17px;
    line-height: 1.6;
    max-width: 480px;
}

.help-title h2 {
    margin: 0;

    color: #050505;

    font-size: 48px;

    line-height: 1.1;

    font-weight: 700;

    letter-spacing: -1.5px;
}


/* =====================================================
   TABS
===================================================== */

.help-tabs {
    display: flex;

    justify-content: center;

    gap: 40px;

    margin: 0;

    padding: 0;

    border-bottom: 1px solid #e0dcdc;
}

.help-tabs .nav-item {
    margin: 0;
}

.help-tabs .nav-link {
    position: relative;

    border: 0;

    border-radius: 0;

    background: transparent;

    color: #6d6767;

    padding: 12px 4px 16px;

    font-size: 20px;

    line-height: 1;

    font-weight: 500;

    letter-spacing: .2px;

    transition: color .25s ease;
}

.help-tabs .nav-link:hover {
    color: var(--brand-red);
}

.help-tabs .nav-link.active {
    background: transparent;

    color: var(--brand-red);

    font-weight: 600;
}


/*
 * Animated underline
 */

.help-tabs .nav-link::after {
    content: "";

    position: absolute;

    left: 0;
    right: 0;

    bottom: -1px;

    height: 3px;

    background: var(--brand-red);

    transform: scaleX(0);

    transform-origin: left;

    transition: transform .3s ease;
}

.help-tabs .nav-link:hover::after {
    transform: scaleX(.5);
}

.help-tabs .nav-link.active::after {
    transform: scaleX(1);
}


/* =====================================================
   TAB CONTENT
===================================================== */

.help-tabs + .tab-content {
    padding-top: 40px;
}


/* =====================================================
   HORIZONTAL SCROLLER
===================================================== */

.products-scroll {
    width: 100%;

    overflow-x: auto;
    overflow-y: hidden;

    scrollbar-width: none;

    -webkit-overflow-scrolling: touch;

    position: relative;
}

.products-scroll::after {
    content: "";

    position: sticky;

    right: 0;
    top: 0;
    bottom: 0;

    width: 60px;

    flex-shrink: 0;

    background: linear-gradient(270deg, #faf9f8 0%, transparent 100%);

    pointer-events: none;

    z-index: 2;
}

.products-scroll::-webkit-scrollbar {
    display: none;
}


/* =====================================================
   CARD TRACK
===================================================== */

.products-track {
    display: flex;

    gap: 24px;

    width: max-content;

    padding-right: 24px;
}


/* =====================================================
   CARD
===================================================== */

.help-card {
    position: relative;

    flex: 0 0 342px;

    width: 342px;

    height: 454px;

    background: #fff;

    border-radius: 15px;

    border: 1px solid #f0ecec;

    box-shadow: 0 2px 12px rgba(0, 0, 0, .06);

    overflow: hidden;

    display: flex;

    flex-direction: column;

    transition: box-shadow .3s ease, transform .3s ease;
}

.help-card:hover {
    box-shadow: 0 12px 32px rgba(0, 0, 0, .1);

    transform: translateY(-4px);
}


/* =====================================================
   IMAGE
===================================================== */

.help-card-image {
    position: relative;

    width: 100%;

    height: 211px;

    flex-shrink: 0;

    overflow: hidden;

    background: #e9e9e9;
}

.help-card-image::after {
    content: "";

    position: absolute;

    inset: 0;

    background: linear-gradient(180deg, transparent 60%, rgba(0,0,0,.15) 100%);
}

.help-card-image img {
    display: block;

    width: 100%;
    height: 100%;

    object-fit: cover;

    transition: transform .35s ease;
}


/*
 * Optional subtle hover effect
 */

.help-card:hover .help-card-image img {
    transform: scale(1.03);
}


/* =====================================================
   CARD BODY
===================================================== */

.help-card-body {
    position: relative;

    flex: 1;

    display: flex;

    flex-direction: column;

    padding: 24px;
}


/* =====================================================
   CARD TITLE
===================================================== */

.help-card-body h3 {
    margin: 0 0 10px;

    color: #090909;

    font-size: 24px;

    line-height: 1.2;

    font-weight: 500;

    letter-spacing: -.4px;
}


/* =====================================================
   DESCRIPTION
===================================================== */

.help-card-body p {
    margin: 0;

    color: #69615d;

    font-size: 17px;

    line-height: 1.48;

    font-weight: 400;

    max-width: 290px;
}


/* =====================================================
   LEARN MORE
===================================================== */

.learn-more {
    margin-top: auto;

    align-self: flex-end;

    display: inline-flex;

    align-items: center;

    gap: 10px;

    color: #080808;

    font-size: 16px;

    font-weight: 500;

    text-decoration: none;

    transition: color .2s ease, gap .2s ease;
}

.learn-more:hover {
    color: var(--brand-red);

    gap: 14px;
}

.learn-more i {
    display: flex;

    align-items: center;
    justify-content: center;

    width: 28px;
    height: 28px;

    border-radius: 50%;

    border: 1.5px solid currentColor;

    font-size: 12px;

    transition: background .2s ease, border-color .2s ease;
}

.learn-more:hover i {
    background: var(--brand-red);

    border-color: var(--brand-red);

    color: #fff;
}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 1199.98px) {

    .help-title h2 {
        font-size: 44px;
    }

    .help-tabs .nav-link {
        font-size: 22px;
    }

    .help-tabs {
        gap: 35px;
    }

    .help-card {
        flex-basis: 320px;

        width: 320px;
    }

}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 767.98px) {

    .help-section {
        padding: 40px 0 55px;
    }

    .help-container {
        padding: 0 16px;
    }

    .help-title {
        margin-bottom: 15px;
    }

    .help-title h2 {
        font-size: 34px;

        letter-spacing: -.8px;
    }


    /* Tabs become horizontally scrollable */

    .help-tabs {
        justify-content: flex-start;

        gap: 30px;

        overflow-x: auto;

        flex-wrap: nowrap;

        scrollbar-width: none;

        padding-left: 5px;
    }

    .help-tabs::-webkit-scrollbar {
        display: none;
    }

    .help-tabs .nav-link {
        flex-shrink: 0;

        font-size: 18px;

        white-space: nowrap;

        padding-bottom: 14px;
    }


    /* Content */

    .help-tabs + .tab-content {
        padding-top: 25px;
    }


    /* Cards */

    .help-card {
        flex-basis: 300px;

        width: 300px;

        height: 425px;
    }

    .help-card-image {
        height: 185px;
    }

    .help-card-body {
        padding: 28px 20px 22px;
    }

    .help-card-body h3 {
        font-size: 21px;
    }

    .help-card-body p {
        font-size: 16px;
    }

}


/* =====================================================
   QUICK ACCESS CARDS
===================================================== */

.quick-access {
    width: 100%;

    background: #fff;

    padding: 70px 0 80px;
}


/* =====================================================
   HEADER
===================================================== */

.quick-access-header {
    text-align: center;

    margin-bottom: 40px;
}

.quick-access-eyebrow {
    display: inline-block;

    margin-bottom: 12px;

    color: var(--brand-red);

    font-size: 13px;
    font-weight: 700;

    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.quick-access-title {
    margin: 0 0 14px;

    color: #050505;

    font-size: 48px;
    font-weight: 700;

    line-height: 1.1;

    letter-spacing: -.5px;
}

.quick-access-subtitle {
    margin: 0;

    color: #6d6767;

    font-size: 16px;
}


/* =====================================================
   CARDS GRID
===================================================== */

.quick-access-grid {
    display: grid;

    grid-template-columns: repeat(5, 1fr);

    gap: 20px;
}


/* =====================================================
   CARD
===================================================== */

.quick-access-card {
    position: relative;

    display: flex;

    flex-direction: column;

    min-height: 230px;

    padding: 24px 22px 52px;

    background: #fff;

    border: 1px solid #f1eaea;
    border-radius: 12px;

    color: inherit;

    text-decoration: none;

    transition:
        border-color .2s ease,
        box-shadow .2s ease,
        transform .2s ease;
}

.quick-access-card:hover {
    border-color: var(--brand-red);

    box-shadow: 0 10px 24px rgba(0, 0, 0, .08);

    transform: translateY(-2px);

    text-decoration: none;
}


/* =====================================================
   CARD ICON
===================================================== */

.quick-access-icon {
    display: flex;

    align-items: center;
    justify-content: center;

    width: 48px;
    height: 48px;

    margin-bottom: 20px;

    background: #fbeaea;

    border-radius: 10px;

    color: var(--brand-red);

    font-size: 21px;
}


/* =====================================================
   CARD TEXT
===================================================== */

.quick-access-heading {
    display: block;

    margin-bottom: 10px;

    color: #1c1919;

    font-size: 17px;
    font-weight: 700;

    line-height: 1.3;
}

.quick-access-text {
    display: block;

    color: #6d6767;

    font-size: 14px;

    line-height: 1.55;
}


/* =====================================================
   CARD ARROW
===================================================== */

.quick-access-arrow {
    position: absolute;

    right: 20px;
    bottom: 20px;

    color: var(--brand-red);

    font-size: 15px;
    font-weight: 700;

    transition: transform .2s ease;
}

.quick-access-card:hover .quick-access-arrow {
    transform: translateX(4px);
}


/* =====================================================
   ACTIVE CARD
===================================================== */

.quick-access-card.active {
    background: #fbeaea;

    border-color: var(--brand-red);
}

.quick-access-card.active .quick-access-icon {
    background: var(--brand-red);

    color: #fff;
}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 991.98px) {

    .quick-access-grid {
        grid-template-columns: repeat(3, 1fr);
    }
}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 767.98px) {

    .quick-access {
        padding: 45px 0 50px;
    }

    .quick-access-title {
        font-size: 34px;
    }

    .quick-access-grid {
        grid-template-columns: 1fr;

        gap: 14px;
    }

    .quick-access-card {
        min-height: 0;
    }
}


/* =====================================================
   CAREERS PAGE
===================================================== */

.careers-hero {
    /* reuse existing .page-hero */
}

.careers-section {
    background: #f6f4f4;
    padding: 60px 0 80px;
}


/* =====================================================
   WHY JOIN US
===================================================== */

.careers-why {
    margin-bottom: 60px;
}

.careers-why-header,
.careers-openings-header {
    text-align: center;
    margin-bottom: 40px;
}

.careers-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.careers-why-header h2,
.careers-openings-header h2 {
    margin: 0 0 14px;
    color: #050505;
    font-size: 42px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
}

.careers-why-header p,
.careers-openings-header p {
    margin: 0;
    color: #6d6767;
    font-size: 16px;
}


/* =====================================================
   BENEFITS GRID
===================================================== */

.careers-benefits {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.careers-benefit {
    padding: 32px 24px;
    background: #fff;
    border-radius: 12px;
    border: 1px solid #f1eaea;
    text-align: center;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.careers-benefit:hover {
    border-color: var(--brand-red);
    box-shadow: 0 8px 24px rgba(0, 0, 0, .06);
}

.careers-benefit-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    margin: 0 auto 18px;
    background: #fbeaea;
    border-radius: 12px;
    color: var(--brand-red);
    font-size: 24px;
}

.careers-benefit h3 {
    margin: 0 0 10px;
    color: #1c1919;
    font-size: 18px;
    font-weight: 700;
    line-height: 1.3;
}

.careers-benefit p {
    margin: 0;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.55;
}


/* =====================================================
   JOB LISTINGS
===================================================== */

.careers-jobs {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.careers-job {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 28px 30px;
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.careers-job:hover {
    border-color: var(--brand-red);
    box-shadow: 0 8px 24px rgba(0, 0, 0, .06);
}

.careers-job-meta {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 10px;
}

.careers-job-tag {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
}

.careers-job-tag--fulltime {
    background: #fbeaea;
    color: var(--brand-red);
}

.careers-job-tag--contract {
    background: #fff3e0;
    color: #e65100;
}

.careers-job-tag--intern {
    background: #e8f5e9;
    color: #2e7d32;
}

.careers-job-location {
    color: #6d6767;
    font-size: 14px;
}

.careers-job-location i {
    margin-right: 4px;
}

.careers-job-title {
    margin: 0 0 8px;
    color: #1c1919;
    font-size: 20px;
    font-weight: 700;
    line-height: 1.3;
}

.careers-job-desc {
    margin: 0;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.55;
    max-width: 600px;
}

.careers-job-apply {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 22px;
    background: var(--brand-red);
    color: #fff;
    font-size: 14px;
    font-weight: 600;
    border-radius: 8px;
    text-decoration: none;
    transition: background .2s ease;
}

.careers-job-apply:hover {
    background: #a30000;
    color: #fff;
    text-decoration: none;
}


/* =====================================================
   EMPTY STATE
===================================================== */

.careers-empty {
    text-align: center;
    padding: 60px 20px;
    color: #6d6767;
}

.careers-empty i {
    font-size: 48px;
    margin-bottom: 16px;
    display: block;
    color: #ccc;
}

.careers-empty p {
    font-size: 16px;
    margin: 0;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .careers-benefits {
        grid-template-columns: repeat(2, 1fr);
    }

    .careers-job {
        flex-direction: column;
        align-items: flex-start;
        gap: 16px;
    }

    .careers-job-apply {
        align-self: flex-start;
    }
}

@media (max-width: 767.98px) {

    .careers-section {
        padding: 40px 0 55px;
    }

    .careers-why-header h2,
    .careers-openings-header h2 {
        font-size: 30px;
    }

    .careers-benefits {
        grid-template-columns: 1fr;
        gap: 14px;
    }

    .careers-benefit {
        padding: 24px 20px;
    }

    .careers-job {
        padding: 22px 20px;
    }
}


/* =====================================================
   CARITAS PAY APP SECTION
===================================================== */

.app-section {
    width: 100%;
    background: #0a0a0a;
    padding: 60px 0;
    overflow: hidden;
}


/* =====================================================
   PHONE MOCKUPS
===================================================== */

.app-phones {
    display: flex;
    justify-content: center;
    align-items: flex-end;
    gap: 20px;
    padding: 20px 0;
}

.app-phone {
    flex: 0 0 auto;
    width: 180px;
}

.app-phone-frame {
    position: relative;
    width: 100%;
    border-radius: 28px;
    border: 3px solid #333;
    background: #000;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0, 0, 0, .5);
}

.app-phone-notch {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 24px;
    background: #000;
    border-radius: 0 0 16px 16px;
    z-index: 10;
}

.app-phone-screen {
    width: 100%;
    aspect-ratio: 9 / 19.5;
    border-radius: 24px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}


/* =====================================================
   SCREEN 1: SPLASH
===================================================== */

.app-phone-screen--splash {
    background: #fff;
    align-items: center;
    justify-content: center;
}

.app-splash-logo img {
    width: 100px;
    height: auto;
}


/* =====================================================
   SCREEN 2: LOGIN
===================================================== */

.app-phone-screen--login {
    background: #f5f5f5;
    padding: 12px;
    font-size: 8px;
    color: #333;
}

.app-login-header {
    text-align: center;
    padding: 12px 0;
}

.app-login-header img {
    width: 36px;
    height: auto;
    display: block;
    margin: 0 auto 4px;
}

.app-login-header span {
    font-size: 7px;
    color: #888;
}

.app-login-form {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.app-input {
    background: #fff;
    border: 1px solid #ddd;
    border-radius: 4px;
    padding: 6px 8px;
    font-size: 8px;
    color: #333;
}

.app-input-row {
    display: flex;
    gap: 6px;
}

.app-input--half {
    flex: 1;
}

.app-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 4px;
    font-size: 7px;
    color: #666;
}

.app-checkbox i {
    color: var(--brand-red);
    font-size: 10px;
}

.app-btn {
    background: var(--brand-red);
    color: #fff;
    text-align: center;
    padding: 7px;
    border-radius: 4px;
    font-size: 8px;
    font-weight: 600;
}

.app-link {
    text-align: center;
    font-size: 7px;
    color: #888;
}

.app-link a {
    color: var(--brand-red);
    text-decoration: none;
}


/* =====================================================
   SCREEN 3: HOME
===================================================== */

.app-phone-screen--home {
    background: #fff;
    font-size: 8px;
}

.app-home-header {
    background: var(--brand-red);
    color: #fff;
    padding: 8px 10px;
    font-size: 8px;
    font-weight: 600;
    text-align: center;
}

.app-home-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1px;
    background: #f0f0f0;
    flex: 1;
}

.app-home-item {
    background: #fff;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    padding: 10px 4px;
    font-size: 6px;
    color: #333;
}

.app-home-item i {
    font-size: 14px;
    color: var(--brand-red);
}

.app-home-footer {
    text-align: center;
    padding: 6px;
    font-size: 6px;
    color: #999;
    border-top: 1px solid #f0f0f0;
}


/* =====================================================
   CONTENT
===================================================== */

.app-content {
    color: #fff;
    padding: 20px 0;
}

.app-content h2 {
    margin: 0 0 16px;
    font-size: 42px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
}

.app-description {
    margin: 0 0 32px;
    color: rgba(255, 255, 255, .7);
    font-size: 17px;
    line-height: 1.6;
    max-width: 440px;
}


/* =====================================================
   FEATURES LIST
===================================================== */

.app-features {
    list-style: none;
    padding: 0;
    margin: 0 0 36px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.app-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    color: rgba(255, 255, 255, .85);
    font-size: 16px;
    line-height: 1.4;
}

.app-features li i {
    color: var(--brand-red);
    font-size: 18px;
    flex-shrink: 0;
}


/* =====================================================
   STORE BADGES
===================================================== */

.app-stores {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.app-store-badge {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    padding: 12px 24px;
    background: #fff;
    color: #000;
    border-radius: 12px;
    text-decoration: none;
    transition: transform .2s ease, box-shadow .2s ease;
}

.app-store-badge:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(0, 0, 0, .3);
    color: #000;
    text-decoration: none;
}

.app-store-badge i {
    font-size: 28px;
}

.app-store-badge div {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.app-store-badge span {
    font-size: 11px;
    color: #666;
}

.app-store-badge strong {
    font-size: 15px;
    font-weight: 700;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .app-content h2 {
        font-size: 34px;
    }

    .app-phones {
        margin-bottom: 20px;
    }

    .app-phone {
        width: 150px;
    }
}

@media (max-width: 767.98px) {

    .app-section {
        padding: 40px 0;
    }

    .app-phones {
        flex-direction: column;
        align-items: center;
        gap: 16px;
    }

    .app-phone {
        width: 200px;
    }

    .app-content h2 {
        font-size: 30px;
    }

    .app-stores {
        flex-direction: column;
        align-items: flex-start;
    }
}


/* =====================================================
   NEWSLETTER SECTION
===================================================== */

.newsletter-section {
    width: 100%;
    background: #f6f4f4;
    padding: 56px 0;
}


/* =====================================================
   CONTENT
===================================================== */

.newsletter-content {
    color: #050505;
}

.newsletter-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.newsletter-content h2 {
    margin: 0 0 12px;
    font-size: 36px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
    color: #050505;
}

.newsletter-content p {
    margin: 0;
    color: #6d6767;
    font-size: 16px;
    line-height: 1.6;
    max-width: 400px;
}


/* =====================================================
   FORM
===================================================== */

.newsletter-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.newsletter-input-group {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.newsletter-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.newsletter-field label {
    color: #6d6767;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: .3px;
    text-transform: uppercase;
}

.newsletter-field input {
    width: 100%;
    padding: 14px 18px;
    background: #fff;
    border: 1px solid #e0dcdc;
    border-radius: 10px;
    color: #050505;
    font-size: 15px;
    line-height: 1.4;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.newsletter-field input::placeholder {
    color: #aaa;
}

.newsletter-field input:focus {
    outline: none;
    border-color: var(--brand-red);
    box-shadow: 0 0 0 3px rgba(201, 0, 0, .15);
}

.newsletter-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 32px;
    background: var(--brand-red);
    color: #fff;
    border: 0;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    cursor: pointer;
    transition: background .2s ease, transform .2s ease;
    align-self: flex-start;
}

.newsletter-btn:hover {
    background: #a30000;
    transform: translateY(-1px);
}

.newsletter-btn i {
    font-size: 14px;
}

.newsletter-privacy {
    margin: 0;
    color: #999;
    font-size: 13px;
    line-height: 1.5;
}

.newsletter-privacy a {
    color: #6d6767;
    text-decoration: underline;
    transition: color .2s ease;
}

.newsletter-privacy a:hover {
    color: #050505;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .newsletter-content h2 {
        font-size: 30px;
    }

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

@media (max-width: 767.98px) {

    .newsletter-section {
        padding: 40px 0;
    }

    .newsletter-input-group {
        grid-template-columns: 1fr;
        gap: 14px;
    }

    .newsletter-content h2 {
        font-size: 26px;
    }

    .newsletter-btn {
        width: 100%;
    }
}


/* =====================================================
   HOME BLOGS SECTION
===================================================== */

.home-blogs-section {
    width: 100%;
    background: #fff;
    padding: 64px 0 80px;
}

.home-blogs-header {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    margin-bottom: 40px;
}

.home-blogs-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.home-blogs-header h2 {
    margin: 0 0 10px;
    color: #050505;
    font-size: 36px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
}

.home-blogs-header p {
    margin: 0;
    color: #6d6767;
    font-size: 16px;
    line-height: 1.5;
}

.home-blogs-viewall {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 24px;
    border: 1px solid #e0dcdc;
    border-radius: 8px;
    color: #050505;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
    transition: border-color .2s ease, color .2s ease;
}

.home-blogs-viewall:hover {
    border-color: var(--brand-red);
    color: var(--brand-red);
    text-decoration: none;
}

.home-blogs-viewall i {
    font-size: 12px;
}

.home-blogs-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}


/* =====================================================
   HOME BLOGS RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .home-blogs-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 16px;
    }

    .home-blogs-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .home-blogs-header h2 {
        font-size: 30px;
    }
}

@media (max-width: 767.98px) {

    .home-blogs-section {
        padding: 40px 0 55px;
    }

    .home-blogs-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .home-blogs-header h2 {
        font-size: 26px;
    }
}


/* =====================================================
   BLOGS PAGE
===================================================== */

.blogs-hero {
    /* reuse existing .page-hero */
}

.blogs-section {
    background: #f6f4f4;
    padding: 40px 0 80px;
}


/* =====================================================
   TOOLBAR
===================================================== */

.blogs-toolbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 32px;
    padding: 16px 24px;
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
}

.blogs-count {
    color: #1c1919;
    font-size: 15px;
    font-weight: 600;
}

.blogs-filters {
    display: flex;
    gap: 8px;
}

.blog-filter {
    padding: 8px 18px;
    border: 1px solid #e0dcdc;
    border-radius: 24px;
    background: #fff;
    color: #6d6767;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.blog-filter:hover {
    border-color: var(--brand-red);
    color: var(--brand-red);
}

.blog-filter.active {
    background: #050505;
    color: #fff;
    border-color: #050505;
}


/* =====================================================
   BLOG CARDS GRID
===================================================== */

.blogs-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 48px;
}


/* =====================================================
   BLOG CARD
===================================================== */

.blog-card {
    display: flex;
    flex-direction: column;
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    overflow: hidden;
    transition: box-shadow .3s ease, transform .3s ease;
}

.blog-card:hover {
    box-shadow: 0 12px 32px rgba(0, 0, 0, .1);
    transform: translateY(-4px);
}


/* =====================================================
   CARD IMAGE
===================================================== */

.blog-card-image {
    width: 100%;
    height: 220px;
    overflow: hidden;
    background: #e9e9e9;
}

.blog-card-image img {
    display: block;
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform .35s ease;
}

.blog-card:hover .blog-card-image img {
    transform: scale(1.04);
}


/* =====================================================
   CARD BODY
===================================================== */

.blog-card-body {
    display: flex;
    flex-direction: column;
    flex: 1;
    padding: 24px;
}

.blog-card-meta {
    display: flex;
    align-items: center;
    gap: 14px;
    margin-bottom: 14px;
}

.blog-tag {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .5px;
}

.blog-tag--personal-finance {
    background: #fbeaea;
    color: var(--brand-red);
}

.blog-tag--business {
    background: #fff3e0;
    color: #e65100;
}

.blog-tag--digital {
    background: #e3f2fd;
    color: #1565c0;
}

.blog-date {
    color: #999;
    font-size: 13px;
}

.blog-card-title {
    margin: 0 0 12px;
    color: #1c1919;
    font-size: 20px;
    font-weight: 700;
    line-height: 1.3;
}

.blog-card-excerpt {
    margin: 0 0 20px;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.6;
    flex: 1;
}


/* =====================================================
   CARD FOOTER
===================================================== */

.blog-card-footer {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 16px;
    border-top: 1px solid #f1eaea;
}

.blog-author {
    color: #999;
    font-size: 13px;
}

.blog-read-more {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    color: #1c1919;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: color .2s ease, gap .2s ease;
}

.blog-read-more:hover {
    color: var(--brand-red);
    gap: 8px;
    text-decoration: none;
}

.blog-read-more i {
    font-size: 12px;
}


/* =====================================================
   EMPTY STATE
===================================================== */

.blogs-empty {
    text-align: center;
    padding: 60px 20px;
    color: #6d6767;
}

.blogs-empty i {
    font-size: 48px;
    margin-bottom: 16px;
    display: block;
    color: #ccc;
}

.blogs-empty p {
    font-size: 16px;
    margin: 0;
}


/* =====================================================
   CTA BANNER
===================================================== */

.blogs-cta {
    background: #0a0a0a;
    border-radius: 16px;
    padding: 56px 48px;
    position: relative;
    overflow: hidden;
}

.blogs-cta::before {
    content: "";
    position: absolute;
    inset: 0;
    background: repeating-radial-gradient(
        circle at 30% 50%,
        transparent 0px,
        transparent 40px,
        rgba(255, 255, 255, .03) 40px,
        rgba(255, 255, 255, .03) 42px
    );
}

.blogs-cta-content {
    position: relative;
    z-index: 2;
    max-width: 480px;
}

.blogs-cta-content h2 {
    margin: 0 0 14px;
    color: #fff;
    font-size: 36px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
}

.blogs-cta-content p {
    margin: 0 0 28px;
    color: rgba(255, 255, 255, .65);
    font-size: 16px;
    line-height: 1.6;
}

.blogs-cta-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 28px;
    background: var(--brand-red);
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    border-radius: 8px;
    text-decoration: none;
    transition: background .2s ease, transform .2s ease;
}

.blogs-cta-btn:hover {
    background: #a30000;
    color: #fff;
    text-decoration: none;
    transform: translateY(-1px);
}

.blogs-cta-btn i {
    font-size: 13px;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .blogs-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 20px;
    }

    .blogs-toolbar {
        flex-direction: column;
        align-items: flex-start;
        gap: 16px;
    }

    .blogs-filters {
        flex-wrap: wrap;
    }

    .blogs-cta {
        padding: 40px 28px;
    }

    .blogs-cta-content h2 {
        font-size: 28px;
    }
}

@media (max-width: 767.98px) {

    .blogs-section {
        padding: 32px 0 55px;
    }

    .blogs-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .blogs-toolbar {
        padding: 14px 18px;
    }

    .blog-filter {
        padding: 6px 14px;
        font-size: 13px;
    }

    .blogs-cta {
        padding: 32px 22px;
        border-radius: 12px;
    }

    .blogs-cta-content h2 {
        font-size: 24px;
    }
}


/* =====================================================
   ABOUT US SCROLL NAV
===================================================== */

.about-scroll-nav {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-bottom: 48px;
    padding: 0;
    background: transparent;
    border-radius: 0;
    flex-wrap: wrap;
}

.about-nav-link {
    display: inline-block;
    padding: 10px 24px;
    border-radius: 50px;
    border: 1px solid #e0dcdc;
    background: #fff;
    color: #6d6767;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    white-space: nowrap;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.about-nav-link:hover {
    border-color: var(--brand-red);
    color: var(--brand-red);
    text-decoration: none;
}

.about-nav-link.active {
    background: #050505;
    color: #fff;
    border-color: #050505;
}

.about-section {
    padding-top: 20px;
    margin-bottom: 48px;
    scroll-margin-top: 100px;
}

.about-section:last-child {
    margin-bottom: 0;
}


/* =====================================================
   INVESTOR RELATIONS PAGE
===================================================== */

.ir-hero {
    /* reuse existing .page-hero */
}

.ir-section {
    background: #f6f4f4;
    padding: 60px 0 80px;
}


/* =====================================================
   SECTION HEADER
===================================================== */

.ir-section-header {
    text-align: center;
    margin-bottom: 40px;
}

.ir-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

.ir-section-header h2 {
    margin: 0 0 12px;
    color: #050505;
    font-size: 36px;
    font-weight: 700;
    line-height: 1.1;
    letter-spacing: -.5px;
}

.ir-section-header p {
    margin: 0;
    color: #6d6767;
    font-size: 16px;
    line-height: 1.6;
}


/* =====================================================
   YEAR FILTER
===================================================== */

.ir-year-filter {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 32px;
    padding: 16px 24px;
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
}

.ir-year-filter label {
    color: #6d6767;
    font-size: 14px;
    font-weight: 600;
    white-space: nowrap;
}

.ir-select-wrapper {
    position: relative;
    display: flex;
    align-items: center;
}

.ir-select {
    appearance: none;
    padding: 10px 40px 10px 16px;
    border: 1px solid #e0dcdc;
    border-radius: 8px;
    background: #fff;
    color: #050505;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    transition: border-color .2s ease;
    min-width: 140px;
}

.ir-select:focus {
    outline: none;
    border-color: var(--brand-red);
}

.ir-select-wrapper i {
    position: absolute;
    right: 14px;
    pointer-events: none;
    color: #999;
    font-size: 12px;
}


/* =====================================================
   DOCUMENTS LIST
===================================================== */

.ir-documents {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 48px;
}

.ir-doc-year {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.ir-doc-year-header {
    display: flex;
    align-items: center;
    gap: 12px;
}

.ir-doc-year-badge {
    display: inline-block;
    padding: 4px 14px;
    background: var(--brand-red);
    color: #fff;
    font-size: 13px;
    font-weight: 700;
    border-radius: 20px;
    letter-spacing: .5px;
}

.ir-doc-count {
    color: #999;
    font-size: 13px;
}

.ir-doc-item {
    display: flex;
    align-items: center;
    gap: 18px;
    padding: 22px 24px;
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    transition: border-color .2s ease, box-shadow .2s ease;
}

.ir-doc-item:hover {
    border-color: var(--brand-red);
    box-shadow: 0 4px 16px rgba(0, 0, 0, .06);
}

.ir-doc-icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #fbeaea;
    border-radius: 10px;
    color: var(--brand-red);
    font-size: 22px;
}

.ir-doc-body {
    flex: 1;
    min-width: 0;
}

.ir-doc-title {
    margin: 0 0 6px;
    color: #1c1919;
    font-size: 17px;
    font-weight: 700;
    line-height: 1.3;
}

.ir-doc-desc {
    margin: 0 0 8px;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.5;
}

.ir-doc-meta {
    color: #999;
    font-size: 12px;
}

.ir-doc-download {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 20px;
    background: var(--brand-red);
    color: #fff;
    font-size: 13px;
    font-weight: 600;
    border-radius: 8px;
    text-decoration: none;
    transition: background .2s ease;
    white-space: nowrap;
}

.ir-doc-download:hover {
    background: #a30000;
    color: #fff;
    text-decoration: none;
}


/* =====================================================
   EMPTY STATE
===================================================== */

.ir-empty {
    text-align: center;
    padding: 60px 20px;
    color: #6d6767;
}

.ir-empty i {
    font-size: 48px;
    margin-bottom: 16px;
    display: block;
    color: #ccc;
}

.ir-empty p {
    font-size: 16px;
    margin: 0;
}


/* =====================================================
   ANNUAL REPORTS
===================================================== */

.ir-annual-reports {
    margin-top: 60px;
    padding-top: 48px;
    border-top: 1px solid #e8e4e4;
}

.ir-reports-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.ir-report-card {
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    overflow: hidden;
    transition: box-shadow .3s ease, transform .3s ease;
}

.ir-report-card:hover {
    box-shadow: 0 12px 32px rgba(0, 0, 0, .1);
    transform: translateY(-4px);
}

.ir-report-cover {
    position: relative;
    height: 180px;
    background: linear-gradient(135deg, #1a1a1a 0%, #2a2a2a 100%);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

.ir-report-cover i {
    font-size: 36px;
    color: rgba(255, 255, 255, .3);
}

.ir-report-year {
    font-size: 28px;
    font-weight: 700;
    color: #fff;
    letter-spacing: -.5px;
}

.ir-report-body {
    padding: 22px 20px 24px;
}

.ir-report-body h3 {
    margin: 0 0 8px;
    color: #1c1919;
    font-size: 17px;
    font-weight: 700;
    line-height: 1.3;
}

.ir-report-body p {
    margin: 0 0 16px;
    color: #6d6767;
    font-size: 13px;
    line-height: 1.5;
}

.ir-report-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: gap .2s ease;
}

.ir-report-link:hover {
    gap: 8px;
    text-decoration: none;
    color: var(--brand-red);
}

.ir-report-link i {
    font-size: 11px;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .ir-section-header h2 {
        font-size: 30px;
    }

    .ir-reports-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .ir-doc-item {
        flex-direction: column;
        align-items: flex-start;
        gap: 14px;
    }

    .ir-doc-download {
        align-self: flex-start;
    }
}

@media (max-width: 767.98px) {

    .ir-section {
        padding: 40px 0 55px;
    }

    .ir-section-header h2 {
        font-size: 26px;
    }

    .ir-year-filter {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
    }

    .ir-select {
        width: 100%;
    }

    .ir-reports-grid {
        grid-template-columns: 1fr;
    }

    .ir-report-cover {
        height: 140px;
    }
}


/* =====================================================
   SPEAK UP PAGE
===================================================== */

.speakup-hero {
    /* reuse existing .page-hero */
}

.speakup-section {
    background: #f6f4f4;
    padding: 60px 0 80px;
}


/* =====================================================
   SIDEBAR
===================================================== */

.speakup-sidebar {
    display: flex;
    flex-direction: column;
    gap: 32px;
}


/* =====================================================
   QR CODE
===================================================== */

.speakup-qr {
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    padding: 32px 28px;
    text-align: center;
}

.speakup-qr-image {
    margin: 20px auto;
    max-width: 220px;
}

.speakup-qr-image img {
    display: block;
    width: 100%;
    height: auto;
    border-radius: 8px;
}

.speakup-qr-text {
    margin: 0;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.55;
}


/* =====================================================
   EYEBROW
===================================================== */

.speakup-eyebrow {
    display: inline-block;
    margin-bottom: 12px;
    color: var(--brand-red);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
}


/* =====================================================
   SOCIAL LINKS
===================================================== */

.speakup-social {
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    padding: 32px 28px;
    text-align: center;
}

.speakup-social-links {
    display: flex;
    justify-content: center;
    gap: 14px;
    margin-top: 16px;
}

.speakup-social-links a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: #f0efef;
    color: #050505;
    font-size: 17px;
    text-decoration: none;
    transition: background .2s ease, color .2s ease;
}

.speakup-social-links a:hover {
    background: var(--brand-red);
    color: #fff;
}


/* =====================================================
   CONTENT
===================================================== */

.speakup-content {
    background: #fff;
    border: 1px solid #f1eaea;
    border-radius: 12px;
    padding: 40px;
}

.speakup-content-header {
    margin-bottom: 24px;
}

.speakup-content-header h2 {
    margin: 0;
    color: #050505;
    font-size: 32px;
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -.5px;
}

.speakup-intro {
    color: #3f3936;
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 32px;
}


/* =====================================================
   BENEFITS LIST
===================================================== */

.speakup-benefits {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 36px;
}

.speakup-benefit {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    padding: 22px;
    background: #faf8f8;
    border: 1px solid #f1eaea;
    border-radius: 10px;
    transition: border-color .2s ease;
}

.speakup-benefit:hover {
    border-color: var(--brand-red);
}

.speakup-benefit-icon {
    flex: 0 0 42px;
    width: 42px;
    height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    background: #fbeaea;
    color: var(--brand-red);
    font-size: 19px;
}

.speakup-benefit-body h3 {
    margin: 0 0 6px;
    color: #1c1919;
    font-size: 16px;
    font-weight: 700;
    line-height: 1.3;
}

.speakup-benefit-body p {
    margin: 0;
    color: #6d6767;
    font-size: 14px;
    line-height: 1.55;
}


/* =====================================================
   CONTACT / EMAIL
===================================================== */

.speakup-contact {
    border-top: 1px solid #f1eaea;
    padding-top: 28px;
}

.speakup-contact p {
    color: #3f3936;
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 16px;
}

.speakup-email {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 24px;
    background: var(--brand-red);
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    border-radius: 8px;
    text-decoration: none;
    margin-bottom: 16px;
    transition: background .2s ease;
}

.speakup-email:hover {
    background: #a30000;
    color: #fff;
    text-decoration: none;
}

.speakup-email i {
    font-size: 16px;
}

.speakup-confidential {
    color: #6d6767;
    font-size: 13px;
    line-height: 1.6;
    margin: 0;
    font-style: italic;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 991.98px) {

    .speakup-content {
        padding: 28px 22px;
    }

    .speakup-content-header h2 {
        font-size: 26px;
    }

    .speakup-sidebar {
        flex-direction: row;
        gap: 16px;
    }

    .speakup-qr,
    .speakup-social {
        flex: 1;
        padding: 24px 20px;
    }

    .speakup-qr-image {
        max-width: 160px;
    }
}

@media (max-width: 767.98px) {

    .speakup-section {
        padding: 40px 0 55px;
    }

    .speakup-sidebar {
        flex-direction: column;
    }

    .speakup-qr-image {
        max-width: 200px;
    }

    .speakup-content-header h2 {
        font-size: 24px;
    }

    .speakup-benefit {
        flex-direction: column;
        gap: 12px;
    }

    .speakup-benefit-icon {
        flex: none;
    }
}


/* =====================================================
   FAQ SECTION
===================================================== */

.faq-section {
    width: 100%;

    background: #faf9f8;

    padding: 48px 0 65px;

    overflow: hidden;
}

.faq-container {
    padding: 0 4%;
}


/* =====================================================
   LEFT INTRO
===================================================== */

.faq-intro {
    padding-right: 45px;
}

.faq-eyebrow {
    display: block;

    margin-bottom: 9px;

    color: #c90000;

    font-size: 14px;

    font-weight: 500;

    letter-spacing: 4px;

    line-height: 1;
}

.faq-intro h2 {
    margin: 0 0 24px;

    color: #050505;

    font-size: 38px;

    line-height: 1.08;

    font-weight: 700;

    letter-spacing: -1px;
}

.faq-intro p {
    margin: 0;

    max-width: 590px;

    color: #665e59;

    font-size: 19px;

    line-height: 1.45;
}

.faq-intro p a {
    color: inherit;

    text-decoration: none;
}


/* =====================================================
   FAQ CONTENT
===================================================== */

.faq-content {
    padding-right: 0;
}


/* =====================================================
   REMOVE BOOTSTRAP DEFAULTS
===================================================== */

.faq-accordion {
    --bs-accordion-border-color: transparent;
    --bs-accordion-border-width: 0;
    --bs-accordion-btn-focus-box-shadow: none;
}


/* =====================================================
   ACCORDION ITEM
===================================================== */

.faq-accordion .accordion-item {
    background: #fff;

    border: 0;

    border-bottom: 1px solid #dedede;

    transition: background .2s ease;
}

.faq-accordion .accordion-item:hover {
    background: #fdfcfc;
}


/* =====================================================
   ACCORDION BUTTON
===================================================== */

.faq-accordion .accordion-button {
    position: relative;

    display: flex;

    align-items: center;

    justify-content: space-between;

    width: 100%;

    min-height: 84px;

    padding: 22px 4px 20px 0;

    background: #fff;

    color: #080808;

    border: 0;

    border-radius: 0 !important;

    box-shadow: none;

    font-size: 24px;

    line-height: 1.25;

    font-weight: 500;

    text-align: left;
}


/*
 * Remove Bootstrap's default arrow.
 */

.faq-accordion .accordion-button::after {
    display: none;
}


/* =====================================================
   CUSTOM CHEVRON
===================================================== */

.faq-accordion .accordion-button > i {
    flex: 0 0 auto;

    margin-left: 25px;

    color: #625c58;

    font-size: 15px;

    transition: transform .25s ease;
}


/*
 * Open state.
 */

.faq-accordion .accordion-button:not(.collapsed) > i {
    color: #c90000;

    transform: rotate(180deg);
}


/* =====================================================
   ACCORDION BODY
===================================================== */

.faq-accordion .accordion-body {
    padding: 0 30px 17px 0;

    color: #665e59;

    font-size: 19px;

    line-height: 1.42;
}


/*
 * Red divider for the currently open FAQ.
 */

.faq-accordion .accordion-item:has(
    .accordion-button:not(.collapsed)
) {
    border-bottom-color: #ef8585;
    border-left: 3px solid var(--brand-red);
    padding-left: 12px;
}


/* =====================================================
   DESKTOP HEIGHT / SPACING
===================================================== */

@media (min-width: 992px) {

    .faq-accordion .accordion-item:first-child
    .accordion-button {
        padding-top: 10px;
    }

    .faq-accordion .accordion-item:first-child
    .accordion-body {
        padding-bottom: 17px;
    }
}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 991.98px) {

    .faq-section {
        padding: 45px 0 55px;
    }

    .faq-container {
        padding: 0 30px;
    }

    .faq-intro {
        padding-right: 0;

        margin-bottom: 40px;
    }

    .faq-intro h2 {
        font-size: 36px;
    }

    .faq-content {
        margin-left: 0;
    }

    .faq-accordion .accordion-button {
        font-size: 21px;
    }

    .faq-accordion .accordion-body {
        font-size: 17px;
    }
}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 767.98px) {

    .faq-section {
        padding: 40px 0 50px;
    }

    .faq-container {
        padding: 0 20px;
    }

    .faq-intro {
        margin-bottom: 30px;
    }

    .faq-eyebrow {
        font-size: 12px;

        letter-spacing: 3px;
    }

    .faq-intro h2 {
        margin-bottom: 18px;

        font-size: 32px;
    }

    .faq-intro p {
        font-size: 17px;
    }

    .faq-accordion .accordion-button {
        min-height: 70px;

        padding: 20px 0;

        font-size: 19px;
    }

    .faq-accordion .accordion-button > i {
        margin-left: 15px;

        font-size: 13px;
    }

    .faq-accordion .accordion-body {
        padding: 0 0 20px;

        font-size: 16px;

        line-height: 1.5;
    }
}



/* =====================================================
   FOOTER
===================================================== */

.site-footer {
    width: 100%;

    background: #1a1a1a;

    border-top: 3px solid var(--brand-red);

    color: #b0a9a5;

    overflow: hidden;
}


/* =====================================================
   CONTAINER
===================================================== */

.footer-container {
    padding: 0 4%;
}


/* =====================================================
   MAIN FOOTER
===================================================== */

.footer-main {
    padding-top: 48px;

    padding-bottom: 42px;
}


/* =====================================================
   CONTACT
===================================================== */

.footer-contact {
    display: flex;

    flex-direction: column;

    gap: 18px;
}

.contact-item {
    display: flex;

    align-items: center;

    gap: 23px;

    color: #b0a9a5;

    font-size: 16px;

    line-height: 1.45;
}


/* =====================================================
   CONTACT ICON
===================================================== */

.contact-icon {
    flex: 0 0 34px;

    width: 34px;
    height: 34px;

    display: flex;

    align-items: center;
    justify-content: center;

    border-radius: 50%;

    background: #2a2a2a;

    color: var(--brand-red);

    font-size: 18px;
}

.contact-icon i {
    line-height: 1;
}


/* =====================================================
   FOOTER COLUMNS
===================================================== */

.footer-column {
    padding-left: 28px;
}

.footer-column h3 {
    margin: 0 0 12px;

    color: #fff;

    font-size: 17px;

    line-height: 1.2;

    font-weight: 500;
}


/* =====================================================
   COLUMN LINKS
===================================================== */

.footer-column ul {
    list-style: none;

    padding: 0;
    margin: 0;
}

.footer-column li {
    margin-bottom: 11px;
}

.footer-column a {
    color: #b0a9a5;

    font-size: 16px;

    line-height: 1.4;

    text-decoration: none;

    transition: color .2s ease;
}

.footer-column a:hover {
    color: #c90000;
}

.footer-column a.active {
    color: #c90000;
}


/* =====================================================
   FOOTER BOTTOM
===================================================== */

.footer-bottom {
    display: grid;

    grid-template-columns: 1fr 1fr 1fr;

    align-items: center;

    min-height: 57px;

    padding-bottom: 19px;

    border-top: 1px solid #333;

    padding-top: 19px;

    color: #7a736f;

    font-size: 14px;
}


/* =====================================================
   COPYRIGHT
===================================================== */

.footer-copyright {
    text-align: left;
}


/* =====================================================
   LEGAL
===================================================== */

.footer-legal {
    display: flex;

    align-items: center;

    justify-content: center;

    gap: 5px;
}

.footer-legal a {
    color: #7a736f;

    text-decoration: none;

    transition: color .2s ease;
}

.footer-legal a:hover {
    color: #c90000;
}


/* =====================================================
   SOCIAL
===================================================== */

.footer-social {
    display: flex;

    align-items: center;

    justify-content: flex-end;

    gap: 18px;
}

.footer-social a {
    display: flex;

    align-items: center;
    justify-content: center;

    width: 34px;
    height: 34px;

    border-radius: 50%;

    background: #2a2a2a;

    color: var(--brand-red);

    font-size: 16px;

    text-decoration: none;

    transition: background .2s ease, color .2s ease;
}

.footer-social a:hover {
    background: var(--brand-red);

    color: #fff;
}


/* =====================================================
   LARGE DESKTOP
===================================================== */

@media (min-width: 1400px) {

    .footer-container {
        padding-left: 4%;
        padding-right: 3%;
    }

    .footer-column {
        padding-left: 25px;
    }

}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 991.98px) {

    .footer-main {
        padding-top: 40px;

        padding-bottom: 30px;
    }

    .footer-column {
        padding-left: 0;

        margin-bottom: 30px;
    }

    .footer-bottom {
        grid-template-columns: 1fr;

        gap: 18px;

        padding: 20px 0 30px;

        text-align: center;
    }

    .footer-copyright {
        text-align: center;
    }

    .footer-social {
        justify-content: center;
    }

}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 575.98px) {

    .footer-container {
        padding: 0 22px;
    }

    .footer-main {
        padding-top: 35px;
    }

    .contact-item {
        align-items: flex-start;

        gap: 15px;

        font-size: 15px;
    }

    .contact-icon {
        flex: 0 0 32px;

        width: 32px;
        height: 32px;
    }

    .footer-column {
        margin-bottom: 25px;
    }

    .footer-column h3 {
        font-size: 17px;
    }

    .footer-column a {
        font-size: 15px;
    }

    .footer-bottom {
        font-size: 13px;
    }

    .footer-legal {
        flex-wrap: wrap;
    }

}


/* =========================================================
   CONTACT SECTION
========================================================= */

.contact-section {
    width: 100%;
    background: #f5f6f4;
}


/* =========================================================
   HERO
========================================================= */

.contact-hero {
    position: relative;

    min-height: 570px;

    background-image: url("../images/contact-centre.jpg");
    background-size: cover;
    background-position: center center;

    overflow: hidden;
}


/*
   Red overlay from the screenshot.
   The image remains visible underneath,
   but receives a strong Caritas red treatment.
*/

.contact-hero-overlay {
    position: absolute;

    inset: 0;

    background: rgba(205, 0, 0, 0.88);

    z-index: 1;
}


/* =========================================================
   HERO CONTENT
========================================================= */

.contact-hero-content {
    position: relative;

    z-index: 2;

    height: 570px;

    display: flex;

    flex-direction: column;

    justify-content: center;

    align-items: flex-start;

    padding-left: 0;

    color: #fff;
}


/* =========================================================
   BREADCRUMB
========================================================= */

.contact-breadcrumb {
    margin-bottom: 24px;

    font-size: 16px;

    line-height: 1.2;

    font-weight: 500;

    color: #fff;
}


/* =========================================================
   HERO HEADING
========================================================= */

.contact-hero h1 {
    max-width: 720px;

    margin: 0 0 30px;

    font-size: 52px;

    line-height: 1.27;

    font-weight: 700;

    letter-spacing: -1.2px;

    color: #fff;
}


/* =========================================================
   HERO DESCRIPTION
========================================================= */

.contact-hero p {
    max-width: 800px;

    margin: 0;

    font-size: 23px;

    line-height: 1.38;

    font-weight: 400;

    color: #fff;
}


/* =========================================================
   CONTACT CARDS AREA
========================================================= */

.contact-cards-wrapper {
    position: relative;

    z-index: 5;

    margin-top: 76px;

    padding-bottom: 30px;
}


/* =========================================================
   CONTACT CARD
========================================================= */

.contact-card {
    min-height: 140px;

    width: 100%;

    display: flex;

    align-items: center;

    gap: 23px;

    padding: 25px 28px;

    background: #fff;

    border-radius: 15px;

    box-shadow: none;
}


/* =========================================================
   ICON
========================================================= */

.contact-icon {
    width: 49px;

    height: 49px;

    min-width: 49px;

    display: flex;

    align-items: center;

    justify-content: center;

    background: #fceaea;

    border-radius: 50%;
}


.contact-icon i {
    color: #111;

    font-size: 21px;

    line-height: 1;
}


/* =========================================================
   CARD CONTENT
========================================================= */

.contact-card-content {
    min-width: 0;
}


.contact-card h3 {
    margin: 0 0 8px;

    color: #d00000;

    font-size: 23px;

    line-height: 1.2;

    font-weight: 700;
}


.contact-card a,
.contact-card p {
    display: block;

    margin: 0;

    color: #6a625d;

    font-size: 20px;

    line-height: 1.4;

    font-weight: 400;

    text-decoration: none;
}


.contact-card a:hover {
    color: #d00000;
}


/* =========================================================
   TABLET
========================================================= */

@media (max-width: 991.98px) {

    .contact-hero {
        min-height: 500px;

        background-position: center;
    }


    .contact-hero-content {
        height: 500px;
    }


    .contact-hero h1 {
        font-size: 43px;

        line-height: 1.2;

        max-width: 650px;
    }


    .contact-hero p {
        font-size: 20px;

        max-width: 650px;
    }


    .contact-cards-wrapper {
        margin-top: 50px;
    }


    .contact-card {
        min-height: 130px;

        padding: 22px;
    }


    .contact-card h3 {
        font-size: 20px;
    }


    .contact-card a,
    .contact-card p {
        font-size: 17px;
    }

}


/* =========================================================
   MOBILE
========================================================= */

@media (max-width: 767.98px) {

    .contact-hero {
        min-height: 500px;

        background-position: 60% center;
    }


    .contact-hero-overlay {
        background: rgba(205, 0, 0, 0.90);
    }


    .contact-hero-content {
        height: 500px;

        justify-content: center;

        padding: 35px 20px;
    }


    .contact-breadcrumb {
        margin-bottom: 20px;

        font-size: 14px;
    }


    .contact-hero h1 {
        margin-bottom: 22px;

        font-size: 36px;

        line-height: 1.17;

        letter-spacing: -.5px;
    }


    .contact-hero p {
        font-size: 18px;

        line-height: 1.45;
    }


    .desktop-break {
        display: none;
    }


    .contact-cards-wrapper {
        margin-top: 35px;

        padding: 0 15px 35px;
    }


    .contact-card {
        min-height: 120px;

        padding: 22px;

        gap: 17px;

        border-radius: 14px;
    }


    .contact-icon {
        width: 46px;

        height: 46px;

        min-width: 46px;
    }


    .contact-card h3 {
        margin-bottom: 6px;

        font-size: 20px;
    }


    .contact-card a,
    .contact-card p {
        font-size: 16px;

        line-height: 1.4;
    }

}

.contact-hero-overlay {
    position: absolute;
    inset: 0;
    background: #d00000;
    opacity: .86;
    mix-blend-mode: multiply;
}


/* =====================================================
   MANAGEMENT SECTION
===================================================== */

.management-section {
    background: #f5f6f4;

    padding: 18px 0 70px;

    min-height: 100vh;
}


/* =====================================================
   TABS
===================================================== */

.management-tabs-wrapper {
    display: flex;

    justify-content: center;

    margin-bottom: 28px;
}


.management-tabs {
    display: inline-flex;

    align-items: center;

    gap: 12px;

    padding: 9px;

    background: #fff;

    border-radius: 40px;
}


/* =====================================================
   TAB BUTTON
===================================================== */

.management-tab {
    border: 1px solid #dedede;

    background: #fff;

    color: #625c57;

    border-radius: 30px;

    padding: 10px 20px;

    font-size: 17px;

    line-height: 1.2;

    font-weight: 400;

    cursor: pointer;

    transition:
        background .2s ease,
        color .2s ease,
        border-color .2s ease,
        transform .2s ease;
}


.management-tab:hover {
    border-color: #c8c8c8;

    color: #111;
}


.management-tab.active {
    background: #000;

    color: #fff;

    border-color: #000;
}


/* =====================================================
   TEAM GRID
===================================================== */

.team-grid {
    display: grid;

    grid-template-columns:
        repeat(4, minmax(0, 1fr));

    gap: 20px;

    max-width: 1425px;

    margin: 0 auto;
}


/* =====================================================
   TEAM CARD
===================================================== */

.team-card {
    background: #fff;

    border-radius: 15px;

    padding: 10px;

    overflow: hidden;

    cursor: pointer;

    transition:
        transform .25s ease,
        box-shadow .25s ease;
}


.team-card:hover {
    transform: translateY(-4px);

    box-shadow:
        0 10px 30px rgba(0, 0, 0, .08);
}


/* =====================================================
   IMAGE
===================================================== */

.team-image-wrapper {
    position: relative;

    width: 100%;

    aspect-ratio: 1 / 1;

    overflow: hidden;

    border-radius: 11px;
}


.team-image {
    width: 100%;

    height: 100%;

    display: block;

    object-fit: cover;

    object-position: center top;

    transition: transform .4s ease;
}


.team-card:hover .team-image {
    transform: scale(1.025);
}


/* =====================================================
   CARD DETAILS
===================================================== */

.team-info {
    text-align: center;

    padding: 13px 8px 9px;
}


.team-name {
    margin: 0 0 3px;

    color: #d00000;

    font-size: 21px;

    line-height: 1.25;

    font-weight: 700;
}


.team-position {
    margin: 0;

    color: #665f5a;

    font-size: 17px;

    line-height: 1.3;
}


/* =====================================================
   MODAL
===================================================== */

.team-modal {
    position: relative;

    border: none;

    border-radius: 20px;

    overflow: hidden;

    background: #fff;

    box-shadow:
        0 25px 70px rgba(0, 0, 0, .25);
}


.team-modal .modal-body {
    padding: 25px;
}


.team-modal-close {
    position: absolute;

    z-index: 10;

    top: 18px;

    right: 18px;

    width: 35px;

    height: 35px;

    padding: 0;

    border-radius: 50%;

    background-color: #fff;

    opacity: 1;

    box-shadow: 0 2px 10px rgba(0,0,0,.12);
}


/* =====================================================
   MODAL IMAGE
===================================================== */

.modal-image-wrapper {
    width: 100%;

    overflow: hidden;

    border-radius: 14px;

    background: #f5f5f5;
}


.modal-team-image {
    display: block;

    width: 100%;

    aspect-ratio: 1 / 1;

    object-fit: cover;

    object-position: center top;
}


/* =====================================================
   MODAL DETAILS
===================================================== */

.modal-team-details {
    padding: 15px 20px 15px 5px;
}


.modal-team-label {
    margin-bottom: 10px;

    color: #d00000;

    font-size: 13px;

    font-weight: 600;

    letter-spacing: 2px;

    text-transform: uppercase;
}


.modal-team-details h2 {
    margin: 0 0 8px;

    color: #111;

    font-size: 34px;

    line-height: 1.15;

    font-weight: 700;
}


.modal-team-details h4 {
    margin: 0;

    color: #625c57;

    font-size: 19px;

    line-height: 1.35;

    font-weight: 400;
}


.modal-divider {
    width: 55px;

    height: 3px;

    margin: 22px 0;

    background: #d00000;
}


.modal-team-details p {
    margin: 0;

    color: #625c57;

    font-size: 17px;

    line-height: 1.7;
}


/* =====================================================
   MODAL BACKDROP
===================================================== */

.modal-backdrop.show {
    opacity: .65;
}


/* =====================================================
   LARGE DESKTOP
===================================================== */

@media (min-width: 1400px) {

    .team-grid {
        max-width: 1425px;
    }

}


/* =====================================================
   TABLET
===================================================== */

@media (max-width: 1199.98px) {

    .team-grid {
        grid-template-columns:
            repeat(3, minmax(0, 1fr));

        gap: 18px;
    }


    .team-name {
        font-size: 19px;
    }


    .team-position {
        font-size: 15px;
    }

}


/* =====================================================
   SMALL TABLET
===================================================== */

@media (max-width: 991.98px) {

    .management-section {
        padding-top: 15px;
    }


    .team-grid {
        grid-template-columns:
            repeat(2, minmax(0, 1fr));

        max-width: 750px;

        gap: 18px;
    }


    .management-tab {
        font-size: 15px;

        padding: 9px 17px;
    }


    .modal-team-details {
        padding: 5px;
    }


    .modal-team-details h2 {
        font-size: 28px;
    }

}


/* =====================================================
   MOBILE
===================================================== */

@media (max-width: 575.98px) {

    .management-section {
        padding: 10px 0 45px;
    }


    .management-tabs-wrapper {
        padding: 0 10px;

        margin-bottom: 20px;
    }


    .management-tabs {
        width: 100%;

        justify-content: center;

        gap: 5px;

        padding: 6px;
    }


    .management-tab {
        flex: 1;

        padding: 9px 8px;

        font-size: 13px;

        text-align: center;
    }


    .team-grid {
        grid-template-columns: 1fr;

        max-width: 360px;

        gap: 15px;
    }


    .team-card {
        padding: 8px;

        border-radius: 13px;
    }


    .team-info {
        padding: 12px 5px 8px;
    }


    .team-name {
        font-size: 19px;
    }


    .team-position {
        font-size: 15px;
    }


    /* Modal */

    .team-modal {
        margin: 10px;

        border-radius: 16px;
    }


    .team-modal .modal-body {
        padding: 15px;
    }


    .modal-team-details {
        padding: 5px 3px 10px;
    }


    .modal-team-details h2 {
        font-size: 26px;
    }


    .modal-team-details h4 {
        font-size: 17px;
    }


    .modal-team-details p {
        font-size: 15px;

        line-height: 1.6;
    }

}


/* =========================================
   Financial Solution CTA
========================================= */

.financial-cta-section {
    background: #f5f6f4;
}

.financial-cta {
    position: relative;
    min-height: 425px;
    border-radius: 15px;
    overflow: hidden;

    display: flex;
    align-items: center;
    justify-content: center;

    background:
        /* subtle contour effect */
        radial-gradient(
            ellipse at 15% 45%,
            transparent 0,
            transparent 13%,
            rgba(255, 255, 255, 0.035) 13.2%,
            transparent 13.6%,
            transparent 20%,
            rgba(255, 255, 255, 0.035) 20.2%,
            transparent 20.6%,
            transparent 28%,
            rgba(255, 255, 255, 0.035) 28.2%,
            transparent 28.6%
        ),
        radial-gradient(
            ellipse at 85% 50%,
            transparent 0,
            transparent 15%,
            rgba(255, 255, 255, 0.035) 15.2%,
            transparent 15.6%,
            transparent 23%,
            rgba(255, 255, 255, 0.035) 23.2%,
            transparent 23.6%,
            transparent 31%,
            rgba(255, 255, 255, 0.035) 31.2%,
            transparent 31.6%
        ),
        #030303;
}

/* Additional decorative contour lines */
.financial-cta::before,
.financial-cta::after {
    content: "";
    position: absolute;
    inset: -20%;
    pointer-events: none;
    opacity: 0.35;
}

.financial-cta::before {
    background:
        repeating-radial-gradient(
            ellipse at 20% 50%,
            transparent 0,
            transparent 38px,
            rgba(255,255,255,.045) 40px,
            transparent 42px
        );

    transform: rotate(-8deg);
}

.financial-cta::after {
    background:
        repeating-radial-gradient(
            ellipse at 80% 45%,
            transparent 0,
            transparent 45px,
            rgba(255,255,255,.04) 47px,
            transparent 49px
        );

    transform: rotate(8deg);
}

/* Content */
.financial-cta-content {
    position: relative;
    z-index: 2;

    width: min(850px, 90%);
    text-align: center;
    color: #fff;
}

.financial-cta-content h2 {
    margin: 0 0 18px;

    font-size: clamp(2rem, 3vw, 2.4rem);
    font-weight: 700;
    line-height: 1.2;
    letter-spacing: -0.5px;
}

.financial-cta-content p {
    max-width: 780px;
    margin: 0 auto 24px;

    font-size: clamp(1rem, 1.7vw, 1.25rem);
    line-height: 1.35;
    font-weight: 400;
}

/* Button */
.financial-cta-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 15px;

    min-width: 145px;
    padding: 14px 22px;

    border: 0;
    border-radius: 30px;

    background: #d90000;
    color: #fff;

    font-size: 16px;
    font-weight: 500;

    transition:
        background .2s ease,
        transform .2s ease;
}

.financial-cta-btn:hover {
    background: #b90000;
    color: #fff;
    transform: translateY(-2px);
}

.financial-cta-btn .arrow {
    font-size: 25px;
    line-height: 14px;
    font-weight: 300;
}


/* =========================================
   Responsive
========================================= */

@media (max-width: 767.98px) {

    .financial-cta-section {
        padding-top: 20px !important;
        padding-bottom: 20px !important;
    }

    .financial-cta {
        min-height: 380px;
        border-radius: 12px;
    }

    .financial-cta-content {
        width: 88%;
    }

    .financial-cta-content h2 {
        font-size: 1.8rem;
        margin-bottom: 16px;
    }

    .financial-cta-content p {
        font-size: 1rem;
        line-height: 1.5;
        margin-bottom: 22px;
    }

    .financial-cta-btn {
        padding: 12px 20px;
        font-size: 15px;
    }
}

@media (max-width: 575.98px) {

    .financial-cta {
        min-height: 400px;
    }

    .financial-cta-content h2 {
        font-size: 1.65rem;
    }

    .financial-cta-content p {
        font-size: .95rem;
    }
}


/*Milestones*/
  .milestones h2 { font-family:'Poppins',system-ui,sans-serif; font-weight:600; }

  .ms-tabs { display:flex; overflow-x:auto; scrollbar-width:none; }
  .ms-tabs::-webkit-scrollbar { display:none; }
  .ms-tab {
    flex:1 0 110px; border:0; color:#fff; background:var(--ms-grey);
    height:64px; padding:0 1.25rem 0 1.5rem; font-size:.95rem; margin-left:-10px;
    clip-path:polygon(0 0,calc(100% - 22px) 0,100% 50%,calc(100% - 22px) 100%,0 100%,22px 50%);
  }
  .ms-tab:first-child { margin-left:0; clip-path:polygon(0 0,calc(100% - 22px) 0,100% 50%,calc(100% - 22px) 100%,0 100%); }
  .ms-tab:hover { background:var(--ms-grey-dark); }
  .ms-tab.active { background:var(--ms-red); font-weight:500; position:relative; z-index:1; }
  .ms-tab:focus-visible { outline:3px solid #000; outline-offset:-3px; }

  .ms-wrap { position:relative; }
  .ms-track {
    display:flex; gap:1.4rem; overflow-x:auto; scroll-snap-type:x mandatory;
    padding-bottom:1rem; scrollbar-color:var(--ms-red) #e8e2e2; scrollbar-width:thin;
  }
  .ms-track::-webkit-scrollbar { height:12px; }
  .ms-track::-webkit-scrollbar-track { background:#e8e2e2; }
  .ms-track::-webkit-scrollbar-thumb { background:var(--ms-red); border-radius:6px; border:4px solid #e8e2e2; }
  .ms-card {
    flex:0 0 min(300px,80%); scroll-snap-align:start; min-height:440px;
    border:1px solid #ececec; border-radius:28px; padding:2rem; background:#fff;
  }
  .ms-year {
    display:inline-block; background:var(--ms-pill); color:#fff; font-weight:700;
    font-size:1.6rem; line-height:1; padding:.7rem 1.5rem; border-radius:50rem; margin-bottom:1.5rem;
  }
  .ms-card.active .ms-year { background:var(--ms-red); }
  .ms-card ul { padding-left:1.2rem; margin:0; line-height:1.9; }
  .ms-card li { margin-bottom:.5rem; }

  .ms-nav {
    position:absolute; top:40%; width:62px; height:62px; border-radius:50%;
    background:#000; color:#fff; border:0; box-shadow:0 4px 12px rgba(0,0,0,.25);
    display:flex; align-items:center; justify-content:center; z-index:2;
  }
  .ms-nav:hover { background:#222; }
  .ms-prev { left:-20px; } .ms-next { right:-20px; }
  @media (max-width:767.98px) { .ms-prev{left:-8px;} .ms-next{right:-8px;} .ms-nav{width:48px;height:48px;} }

   .leaders { background:#f5f4f2; }
  .leaders h2 { font-weight:700; letter-spacing:-.01em; }
  .leader-card { background:#fff; border-radius:24px; padding:1.5rem 1.25rem; text-align:center; height:100%; }
  .leader-card.current { background:#c80000; color:#fff; }
  .leader-photo { width:160px; height:160px; border-radius:50%; object-fit:cover; background:#e6e3df; display:block; margin:0 auto .75rem; }
  .leader-years { display:inline-block; background:#000; color:#fff; border-radius:50rem; padding:.2rem .85rem; font-size:.9rem; margin-bottom:.75rem; }
  .current .leader-years { background:#fff; color:#c80000; }
  .leader-name { font-weight:500; font-size:1.05rem; margin:0; }
  .current .leader-name { font-weight:700; }
  .leader-role { font-size:.9rem; margin:.15rem 0 0; opacity:.9; }


  /* wwwroot/css/our-story.css */
.our-story {
    --story-red: #c80000;
    --story-soft: #f5f3f2;
    font-family: 'Manrope', system-ui, sans-serif;
    color: #000;
}

/* Pill tabs */
.our-story .nav-pills .nav-link {
    color: #555;
    border: 1px solid #e3e0de;
    border-radius: 50rem;
    padding: .65rem 1.4rem;
    white-space: nowrap;
    margin: 0 .4rem;
    background: #fff;
}
.our-story .nav-pills .nav-link:hover { border-color: #bbb; }
.our-story .nav-pills .nav-link.active {
    background: #000;
    border-color: #000;
    color: #fff;
}

/* Copy */
.story-title { font-weight: 700; font-size: clamp(1.7rem, 3vw, 2.25rem); }
.our-story p { line-height: 2; }

/* Key facts */
.story-stat {
    background: var(--story-soft);
    border-radius: 18px;
    padding: 1.5rem 1.25rem;
    text-align: center;
    height: 100%;
}
.story-stat-value {
    color: var(--story-red);
    font-weight: 700;
    font-size: clamp(1.5rem, 2.5vw, 1.9rem);
    margin-bottom: .35rem;
}

/* Callout */
.story-callout {
    border-left: 10px solid var(--story-red);
    padding: .25rem 0 .25rem 1.5rem;
}
@media (max-width: 575.98px) {
    .story-callout { border-left-width: 6px; padding-left: 1rem; }
}


/* Bank leadership block (About Us > Leadership tab) */
.bank-leadership {
    margin-top: 4rem;
    padding-top: 2.5rem;
    border-top: 1px solid #eee;
}
.bank-leadership-intro {
    max-width: 640px;
    color: #6d6767;
}


/* ---------- AWARDS & RECOGNITION (About Us) ---------- */

.awards-intro {
    max-width: 640px;
    color: #6d6767;
}

/* Timeline container */
.awards-timeline {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    padding-top: 8px;
}

/* Year column */
.award-year {
    position: relative;
    padding: 0;
}

/* Year header with dot */
.award-year-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 32px;
    position: relative;
    z-index: 2;
}

.award-year-dot {
    width: 16px;
    height: 16px;
    border-radius: 50%;
    background: var(--brand-red);
    border: 3px solid #fff;
    box-shadow: 0 0 0 1px var(--brand-red);
    flex-shrink: 0;
    position: relative;
    top: -6px;
}

.award-year-label {
    font-size: 22px;
    font-weight: 700;
    color: #050505;
    letter-spacing: -.5px;
    position: relative;
    top: -6px;
}

/* Trophy icon */
.award-trophy {
    margin-bottom: 24px;
    width: 72px;
    height: 72px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #f6f4f4;
    border-radius: 50%;
    border: 1px solid #e8e4e4;
}

.award-trophy i {
    font-size: 32px;
    color: #c0b8b8;
}

/* Award list */
.award-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: flex;
    flex-direction: column;
    gap: 20px;
    counter-reset: award;
}

.award-list li {
    counter-increment: award;
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding-left: 24px;
    position: relative;
}

.award-list li::before {
    content: counter(award) ".";
    position: absolute;
    left: 0;
    font-size: 14px;
    font-weight: 700;
    color: var(--brand-red);
}

.award-name {
    font-size: 14px;
    font-weight: 600;
    color: #1c1919;
    line-height: 1.4;
}

.award-source {
    font-size: 13px;
    color: #999;
    line-height: 1.4;
}

/* Responsive */
@media (max-width: 991.98px) {
    .awards-timeline {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }

    .awards-timeline::before {
        display: none;
    }

    .award-year-header {
        margin-bottom: 20px;
    }

    .award-year-dot {
        width: 14px;
        height: 14px;
        top: -4px;
    }

    .award-year-label {
        font-size: 18px;
        top: -4px;
    }

    .award-trophy {
        width: 56px;
        height: 56px;
    }

    .award-trophy i {
        font-size: 26px;
    }
}

@media (max-width: 575.98px) {
    .awards-timeline {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .award-year-dot {
        top: 0;
    }

    .award-year-label {
        top: 0;
    }
}


/* =====================================================
   AWARDS SCROLL ARROWS
===================================================== */

.awards-scroll-wrapper {
    position: relative;
    display: flex;
    align-items: flex-start;
    gap: 16px;
}

.awards-scroll-wrapper .awards-timeline {
    flex: 1;
    overflow-x: auto;
    scrollbar-width: none;
    -webkit-overflow-scrolling: touch;
    scroll-behavior: smooth;
    display: flex;
    gap: 32px;
    padding-bottom: 8px;
}

.awards-scroll-wrapper .awards-timeline::-webkit-scrollbar {
    display: none;
}

.awards-toolbar {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 16px;
    margin-bottom: 8px;
}

.awards-order {
    margin-right: auto;
    color: #8a8380;
    font-size: 13px;
    font-weight: 600;
    letter-spacing: .4px;
    text-transform: uppercase;
}

.awards-arrows {
    display: flex;
    gap: 10px;
}

.award-visual {
    height: 180px;
    margin: 8px 0 18px;
    display: flex;
    align-items: flex-end;
    justify-content: center;
}

.award-svg {
    width: 100%;
    max-width: 220px;
    height: 170px;
}

.awards-scroll-wrapper .award-year {
    flex: 0 0 320px;
    min-width: 320px;
    padding: 8px 8px 20px;
}

.awards-arrow {
    flex-shrink: 0;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    border: 1px solid #e0dcdc;
    background: #fff;
    color: #050505;
    font-size: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: background .2s ease, color .2s ease, border-color .2s ease, opacity .2s ease;
    z-index: 2;
}

.awards-arrow--next {
    background: var(--brand-red);
    border-color: var(--brand-red);
    color: #fff;
}

.awards-arrow:hover:not(:disabled) {
    background: var(--brand-red);
    border-color: var(--brand-red);
    color: #fff;
}

.awards-arrow:disabled {
    opacity: .3;
    cursor: default;
}

/* Responsive arrows */
@media (max-width: 991.98px) {
    .awards-scroll-wrapper {
        gap: 12px;
    }

    .awards-scroll-wrapper .award-year {
        flex: 0 0 240px;
        min-width: 240px;
    }

    .awards-arrow {
        width: 36px;
        height: 36px;
        font-size: 14px;
        margin-top: 50px;
    }
}

@media (max-width: 575.98px) {
    .awards-scroll-wrapper .award-year {
        flex: 0 0 220px;
        min-width: 220px;
    }

    .awards-arrow {
        width: 36px;
        height: 36px;
    }

    .awards-scroll-wrapper .awards-timeline {
        padding-bottom: 12px;
    }
}


/* wwwroot/css/about-hero.css */
.page-hero {
    --hero-image: none;
    position: relative;
    display: flex;
    align-items: center;
    min-height: 380px;
    padding: 4rem 0;
    color: #fff;
    font-family: 'Manrope', system-ui, sans-serif;
    background-color: #1c1c1f;               /* fallback if the image is missing */
    background-image: var(--hero-image);
    background-size: cover;
    background-position: center;
}

/* Dark overlay: heavier on the left where the text sits */
.page-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(90deg, rgba(0,0,0,.72) 0%, rgba(0,0,0,.5) 45%, rgba(0,0,0,.2) 100%);
}

/* Breadcrumb: small caps-style, white, "/" divider */
.page-hero-crumbs {
    --bs-breadcrumb-divider: "/";
    --bs-breadcrumb-divider-color: #fff;
    --bs-breadcrumb-item-active-color: #fff;
    font-size: .85rem;
    font-weight: 500;
    text-transform: uppercase;
}
.page-hero-crumbs a { color: #fff; text-decoration: none; }
.page-hero-crumbs a:hover { text-decoration: underline; }

.page-hero-title {
    font-family: 'Figtree', 'Manrope', system-ui, sans-serif;
    font-weight: 700;
    font-size: clamp(2rem, 4.5vw, 3.4rem);
    line-height: 1.2;
    max-width: 14em;
    margin-bottom: 1.5rem;
}

.page-hero-text {
    font-size: clamp(1rem, 1.4vw, 1.2rem);
    line-height: 1.6;
    max-width: 40rem;
    margin-bottom: 0;
}

@media (max-width: 575.98px) {
    .page-hero { min-height: 320px; padding: 3rem 0; }
    .page-hero::before { background: rgba(0,0,0,.6); }
}

/* =========================
    FLOATING QUICK LINKS SIDEBAR
========================== */

.floating-sidebar {
    position: fixed;
    top: 50%;
    left: 0;
    transform: translateY(-50%);
    z-index: 1030;
    display: flex;
    flex-direction: column;
    background: #fff;
    border-left: 5px solid var(--brand-red);
    border-radius: 0 10px 10px 0;
    box-shadow: 2px 4px 14px rgba(0, 0, 0, 0.12);
    overflow: hidden;
}

/* Mobile: hidden until the round button is tapped */
@media (max-width: 991.98px) {
    .floating-sidebar {
        display: none !important;
        position: fixed;
        top: auto;
        bottom: 88px;
        left: 16px;
        right: 16px;
        width: auto;
        transform: none;
        z-index: 1041;
        flex-direction: row;
        flex-wrap: wrap;
        justify-content: center;
        align-items: stretch;
        gap: 8px;
        padding: 12px;
        border: none;
        border-left: none;
        border-radius: 16px;
        background: #fff;
        box-shadow: 0 10px 28px rgba(0, 0, 0, .18);
        overflow: visible;
        opacity: 1;
        visibility: visible;
        pointer-events: auto;
    }

    .floating-sidebar.open {
        display: flex !important;
    }
}

.floating-sidebar-item {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 54px;
    height: 54px;
    color: var(--brand-red);
    font-size: 20px;
    text-decoration: none;
    border-bottom: 1px solid #f0e6e6;
    transition: background-color 0.2s ease, color 0.2s ease;
    position: relative;
}

.floating-sidebar-label {
    display: none;
}

/* Desktop tooltip on hover */
@media (min-width: 768px) {
    .floating-sidebar-item::after {
        content: attr(title);
        position: absolute;
        left: calc(100% + 12px);
        top: 50%;
        transform: translateY(-50%);
        padding: 8px 14px;
        background: #050505;
        color: #fff;
        font-size: 13px;
        font-weight: 500;
        border-radius: 6px;
        white-space: nowrap;
        opacity: 0;
        visibility: hidden;
        transition: opacity .2s ease, visibility .2s ease;
        pointer-events: none;
        z-index: 10;
    }

    .floating-sidebar-item::before {
        content: "";
        position: absolute;
        left: calc(100% + 4px);
        top: 50%;
        transform: translateY(-50%);
        border: 6px solid transparent;
        border-right-color: #050505;
        opacity: 0;
        visibility: hidden;
        transition: opacity .2s ease, visibility .2s ease;
        pointer-events: none;
        z-index: 10;
    }

    .floating-sidebar-item:hover::after,
    .floating-sidebar-item:hover::before {
        opacity: 1;
        visibility: visible;
    }
}

.floating-sidebar-label {
    display: none;
}

.floating-sidebar-item:last-child {
    border-bottom: none;
}

.floating-sidebar-item:hover,
.floating-sidebar-item:focus {
    background: var(--brand-red);
    color: #fff;
}


/* =====================================================
   FLOATING TOGGLE BUTTON (mobile only)
===================================================== */

.floating-toggle {
    display: none;
}


/* =====================================================
   MOBILE FLOATING SIDEBAR
===================================================== */

@media (max-width: 991.98px) {

    /* Toggle button */
    .floating-toggle {
        display: flex;
        align-items: center;
        justify-content: center;
        position: fixed;
        bottom: 20px;
        right: 20px;
        z-index: 1040;
        width: 52px;
        height: 52px;
        border-radius: 50%;
        border: none;
        background: var(--brand-red);
        color: #fff;
        font-size: 20px;
        box-shadow: 0 4px 16px rgba(0, 0, 0, 0.24);
        cursor: pointer;
        transition: background .2s ease, transform .2s ease, box-shadow .2s ease;
    }

    .floating-toggle:hover {
        background: #a30000;
        transform: scale(1.05);
        box-shadow: 0 6px 20px rgba(0, 0, 0, 0.3);
    }

    .floating-toggle:active {
        transform: scale(0.95);
    }

    /* Sidebar panel styles are in base .floating-sidebar above */

    /* Hide tooltips on mobile */
    .floating-sidebar-item::before,
    .floating-sidebar-item::after {
        display: none;
    }

    .floating-sidebar-item {
        flex-direction: column;
        gap: 6px;
        width: calc(33.333% - 6px);
        height: auto;
        padding: 14px 8px;
        border: none;
        border-radius: 10px;
        background: #f6f4f4;
        color: #050505;
        font-size: 18px;
        text-align: center;
    }

    .floating-sidebar-item:last-child {
        border-bottom: none;
    }

    .floating-sidebar-label {
        display: block;
        font-size: 11px;
        font-weight: 600;
        color: #050505;
        line-height: 1.2;
    }

    .floating-sidebar-item:hover,
    .floating-sidebar-item:focus {
        background: var(--brand-red);
        color: #fff;
    }

    .floating-sidebar-item:hover .floating-sidebar-label,
    .floating-sidebar-item:focus .floating-sidebar-label {
        color: #fff;
    }
}

/* =====================================================
   DOWNLOADS PAGE
===================================================== */

.downloads-hero {
    /* reuse existing .page-hero; overlay darkens image */
}

.downloads-section {
    background: #f6f4f4;

    padding: 0 0 80px;
}


/* =====================================================
   TOOLBAR (count + filters)
===================================================== */

.downloads-toolbar {
    display: flex;

    align-items: center;
    justify-content: space-between;

    flex-wrap: wrap;

    gap: 16px;

    background: #fff;

    border: 1px solid #f0eaea;
    border-radius: 12px;

    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.06);

    padding: 16px 22px;

    /* overlap the hero bottom like the reference */
    margin-top: -38px;

    position: relative;

    z-index: 3;
}

.downloads-count {
    font-size: 16px;
    font-weight: 700;

    color: #1c1919;
}


/* Search box */

.downloads-search {
    display: flex;

    align-items: center;

    gap: 9px;

    flex: 1;

    min-width: 220px;

    max-width: 320px;

    background: #f6f4f4;

    border: 1px solid #e8e3e3;
    border-radius: 30px;

    padding: 10px 16px;

    color: #9a9494;

    transition: border-color .2s ease, background .2s ease;
}

.downloads-search:focus-within {
    background: #fff;

    border-color: var(--brand-red);
}

.downloads-search i {
    font-size: 15px;

    flex-shrink: 0;
}

.downloads-search input {
    flex: 1;

    min-width: 0;

    border: 0;

    background: transparent;

    outline: none;

    font-size: 14px;

    color: #1c1919;
}

.downloads-search input::placeholder {
    color: #9a9494;
}


/* Filter pills */

.downloads-filters {
    display: flex;

    align-items: center;

    gap: 10px;

    flex-wrap: wrap;
}

.download-filter {
    border: 1px solid #e3dede;

    background: #fff;

    color: #6d6767;

    border-radius: 30px;

    padding: 9px 20px;

    font-size: 14px;
    font-weight: 600;

    cursor: pointer;

    transition:
        background .2s ease,
        border-color .2s ease,
        color .2s ease;
}

.download-filter:hover {
    border-color: var(--brand-red);
    color: var(--brand-red);
}

.download-filter.active {
    background: #111;
    border-color: #111;
    color: #fff;
}


/* =====================================================
   DOCUMENT LIST
===================================================== */

.downloads-list {
    display: flex;

    flex-direction: column;

    gap: 18px;

    margin-top: 26px;
}


/* Single item */

.download-item {
    display: flex;

    align-items: center;

    gap: 22px;

    background: #fff;

    border: 1px solid #f0eaea;
    border-radius: 12px;

    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.05);

    padding: 24px 26px;

    transition:
        border-color .2s ease,
        box-shadow .2s ease,
        transform .2s ease;
}

.download-item:hover {
    border-color: #ecd3d3;

    box-shadow: 0 10px 26px rgba(0, 0, 0, 0.09);

    transform: translateY(-2px);
}


/* Icon */

.download-item-icon {
    flex-shrink: 0;

    display: flex;

    align-items: center;
    justify-content: center;

    width: 56px;
    height: 56px;

    background: #fbeaea;

    border-radius: 12px;

    color: var(--brand-red);

    font-size: 24px;
}


/* Body */

.download-item-body {
    flex: 1;

    min-width: 0;
}

.download-item-meta {
    display: flex;

    align-items: center;

    gap: 12px;

    margin-bottom: 8px;
}

.download-tag {
    display: inline-block;

    padding: 3px 11px;

    border-radius: 20px;

    background: #fbeaea;

    color: var(--brand-red);

    font-size: 11px;
    font-weight: 700;

    letter-spacing: .6px;

    text-transform: uppercase;
}

.download-tag--guides {
    background: #e8f0fe;
    color: #1a56db;
}

.download-tag--reports {
    background: #e7f6ec;
    color: #1e7e34;
}

.download-fileinfo {
    color: #9a9494;

    font-size: 13px;
}

.download-item-title {
    margin: 0 0 6px;

    color: #1c1919;

    font-size: 18px;
    font-weight: 700;
}

.download-item-desc {
    margin: 0;

    color: #6d6767;

    font-size: 14px;

    line-height: 1.55;
}


/* Download button */

.download-btn {
    flex-shrink: 0;

    display: inline-flex;

    align-items: center;

    gap: 8px;

    background: var(--brand-red);

    color: #fff;

    border-radius: 10px;

    padding: 13px 22px;

    font-size: 15px;
    font-weight: 600;

    text-decoration: none;

    white-space: nowrap;

    transition: background .2s ease, transform .2s ease;
}

.download-btn:hover {
    background: #a80000;

    color: #fff;

    transform: translateY(-1px);
}

.download-btn i {
    font-size: 15px;
}


/* Empty state */

.downloads-empty {
    text-align: center;

    color: #6d6767;

    font-size: 16px;

    padding: 50px 0 0;
}


/* =====================================================
   RESPONSIVE
===================================================== */

@media (max-width: 767.98px) {

    .downloads-toolbar {
        flex-direction: column;

        align-items: stretch;

        margin-top: -30px;
    }

    .downloads-search {
        max-width: none;

        width: 100%;
    }

    .download-item {
        flex-wrap: wrap;

        gap: 16px;

        padding: 20px;
    }

    .download-btn {
        width: 100%;

        justify-content: center;
    }
}

/* =====================================================
   CARIMED PAGE
===================================================== */

/* ---------- HERO ---------- */

.carimed-hero {
    position: relative;

    background:
        linear-gradient(120deg, #5b0000 0%, #2a0000 45%, #141414 100%),
        url('/images/about-hero.jpg') center/cover no-repeat;

    color: #fff;

    padding: 60px 0 90px;

    overflow: hidden;
}

.carimed-crumbs {
    margin-bottom: 26px;

    font-size: 13px;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}

.carimed-crumbs .breadcrumb-item a {
    color: rgba(255, 255, 255, 0.75);

    text-decoration: none;
}

.carimed-crumbs .breadcrumb-item a:hover {
    text-decoration: underline;
}

.carimed-crumbs .breadcrumb-item.active {
    color: #fff;
}

.carimed-crumbs .breadcrumb-item + .breadcrumb-item::before {
    color: rgba(255, 255, 255, 0.5);
}

.carimed-eyebrow {
    display: inline-block;

    margin-bottom: 18px;

    padding: 7px 16px;

    background: var(--brand-red);

    border-radius: 20px;

    font-size: 12px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}

.carimed-title {
    margin: 0 0 20px;

    font-size: clamp(3rem, 7vw, 5rem);
    font-weight: 800;

    line-height: 1;

    letter-spacing: 1px;
}

.carimed-intro {
    max-width: 560px;

    margin: 0 0 36px;

    color: rgba(255, 255, 255, 0.88);

    font-size: 18px;

    line-height: 1.6;
}

.carimed-stats {
    display: flex;

    gap: 16px;

    flex-wrap: wrap;
}

.carimed-stat {
    background: rgba(255, 255, 255, 0.08);

    border: 1px solid rgba(255, 255, 255, 0.18);

    border-radius: 12px;

    padding: 16px 22px;

    min-width: 130px;

    backdrop-filter: blur(4px);
}

.carimed-stat-value {
    display: block;

    font-size: 22px;
    font-weight: 700;
}

.carimed-stat-label {
    display: block;

    margin-top: 4px;

    color: rgba(255, 255, 255, 0.7);

    font-size: 13px;
}

.carimed-badge {
    position: absolute;

    right: 8%;
    top: 50%;

    transform: translateY(-50%);

    display: inline-flex;

    align-items: center;

    gap: 8px;

    background: #fff;

    color: #1c1919;

    border-radius: 10px;

    padding: 12px 18px;

    font-size: 15px;
    font-weight: 600;

    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.25);
}

.carimed-badge i {
    color: var(--brand-red);
}

@media (max-width: 991.98px) {
    .carimed-badge {
        display: none;
    }
}


/* ---------- FEATURE CARDS ---------- */

.carimed-features {
    background: #fff;

    padding: 70px 0 30px;
}

.carimed-features-grid {
    display: grid;

    grid-template-columns: repeat(3, 1fr);

    gap: 22px;
}

.carimed-feature-card {
    background: #fff;

    border: 1px solid #f1eaea;
    border-radius: 14px;

    box-shadow: 0 6px 18px rgba(0, 0, 0, 0.05);

    padding: 30px 28px;
}

.carimed-feature-icon {
    display: flex;

    align-items: center;
    justify-content: center;

    width: 52px;
    height: 52px;

    margin-bottom: 20px;

    background: #fbeaea;

    border-radius: 12px;

    color: var(--brand-red);

    font-size: 22px;
}

.carimed-feature-card h3 {
    margin: 0 0 10px;

    color: #1c1919;

    font-size: 18px;
    font-weight: 700;
}

.carimed-feature-card p {
    margin: 0;

    color: #6d6767;

    font-size: 14px;

    line-height: 1.6;
}


/* ---------- FAQ ---------- */

.carimed-faq {
    background: #fff;

    padding: 50px 0 80px;
}

.carimed-faq-header {
    text-align: center;

    margin-bottom: 42px;
}

.carimed-faq-eyebrow {
    display: inline-block;

    margin-bottom: 12px;

    color: var(--brand-red);

    font-size: 13px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}

.carimed-faq-title {
    margin: 0 0 14px;

    color: #050505;

    font-size: 48px;
    font-weight: 700;

    line-height: 1.1;

    letter-spacing: -.5px;
}

.carimed-faq-subtitle {
    margin: 0;

    color: #6d6767;

    font-size: 16px;
}

.carimed-faq-grid {
    display: grid;

    grid-template-columns: 1fr 1fr;

    gap: 16px 26px;

    align-items: start;
}

.carimed-faq-col {
    display: flex;

    flex-direction: column;

    gap: 16px;
}

.carimed-faq-item {
    background: #fff;

    border: 1px solid #f1eaea;
    border-radius: 12px;

    box-shadow: 0 4px 14px rgba(0, 0, 0, 0.04);

    overflow: hidden;
}

.carimed-faq-item summary {
    display: flex;

    align-items: center;

    gap: 14px;

    padding: 20px 22px;

    cursor: pointer;

    list-style: none;
}

.carimed-faq-item summary::-webkit-details-marker {
    display: none;
}

.carimed-faq-icon {
    flex-shrink: 0;

    display: flex;

    align-items: center;
    justify-content: center;

    width: 42px;
    height: 42px;

    background: #fbeaea;

    border-radius: 10px;

    color: var(--brand-red);

    font-size: 18px;
}

.carimed-faq-q {
    flex: 1;

    color: #1c1919;

    font-size: 16px;
    font-weight: 700;
}

.carimed-faq-caret {
    color: #9a9494;

    transition: transform .2s ease;
}

.carimed-faq-item[open] .carimed-faq-caret {
    transform: rotate(180deg);

    color: var(--brand-red);
}

.carimed-faq-item[open] {
    border-color: #ecd3d3;
}

.carimed-faq-a {
    padding: 0 22px 22px 78px;

    color: #6d6767;

    font-size: 15px;

    line-height: 1.65;
}

.carimed-faq-a p {
    margin: 0 0 12px;
}

.carimed-faq-a p:last-child {
    margin-bottom: 0;
}

.carimed-faq-contact a {
    color: var(--brand-red);

    font-weight: 600;

    text-decoration: none;
}

.carimed-faq-contact a:hover {
    text-decoration: underline;
}


/* ---------- ONBOARD ---------- */

.carimed-onboard {
    background: #161010;

    color: #fff;

    padding: 80px 0 90px;
}

.carimed-onboard-header {
    text-align: center;

    margin-bottom: 40px;
}

.carimed-onboard-eyebrow {
    display: inline-block;

    margin-bottom: 12px;

    color: #ff8f8f;

    font-size: 13px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}

.carimed-onboard-title {
    margin: 0 0 16px;

    color: #fff;

    font-size: 48px;
    font-weight: 700;

    line-height: 1.1;
}

.carimed-onboard-subtitle {
    max-width: 560px;

    margin: 0 auto;

    color: rgba(255, 255, 255, 0.75);

    font-size: 17px;

    line-height: 1.6;
}

/* Booklet bar */

.carimed-booklet {
    display: flex;

    align-items: center;

    gap: 22px;

    background: rgba(255, 255, 255, 0.05);

    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 14px;

    padding: 26px 30px;

    margin-bottom: 34px;
}

.carimed-booklet-icon {
    flex-shrink: 0;

    display: flex;

    align-items: center;
    justify-content: center;

    width: 62px;
    height: 62px;

    background: var(--brand-red);

    border-radius: 12px;

    color: #fff;

    font-size: 26px;
}

.carimed-booklet-body {
    flex: 1;

    min-width: 0;
}

.carimed-booklet-eyebrow {
    display: block;

    margin-bottom: 4px;

    color: rgba(255, 255, 255, 0.55);

    font-size: 12px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}

.carimed-booklet-title {
    margin: 0 0 4px;

    color: #fff;

    font-size: 22px;
    font-weight: 800;

    letter-spacing: .5px;
}

.carimed-booklet-meta {
    color: rgba(255, 255, 255, 0.55);

    font-size: 14px;
}

.carimed-booklet-btn {
    flex-shrink: 0;

    display: inline-flex;

    align-items: center;

    gap: 7px;

    background: var(--brand-red);

    color: #fff;

    border-radius: 10px;

    padding: 13px 22px;

    font-size: 15px;
    font-weight: 600;

    text-decoration: none;

    white-space: nowrap;

    transition: background .2s ease, transform .2s ease;
}

.carimed-booklet-btn:hover {
    background: #a80000;

    color: #fff;

    transform: translateY(-1px);
}

/* QR cards */

.carimed-qr-grid {
    display: grid;

    grid-template-columns: repeat(3, 1fr);

    gap: 22px;
}

.carimed-qr-card {
    background: #fff;

    border-radius: 14px;

    padding: 30px 28px 34px;

    text-align: center;

    color: #1c1919;
}

.carimed-qr-tag {
    display: inline-block;

    margin-bottom: 20px;

    padding: 4px 14px;

    background: #fbeaea;

    border-radius: 20px;

    color: var(--brand-red);

    font-size: 11px;
    font-weight: 700;

    letter-spacing: 1px;

    text-transform: uppercase;
}

.carimed-qr-img {
    display: flex;

    align-items: center;
    justify-content: center;

    margin: 0 auto 24px;

    width: 220px;
    height: 220px;

    max-width: 100%;

    border: 2px dashed #f0d3d3;
    border-radius: 12px;

    padding: 12px;
}

.carimed-qr-img img {
    width: 100%;
    height: 100%;

    object-fit: contain;
}

.carimed-qr-title {
    margin: 0 0 12px;

    font-size: 18px;
    font-weight: 700;
}

.carimed-qr-text {
    margin: 0;

    color: #6d6767;

    font-size: 14px;

    line-height: 1.6;
}


/* ---------- CTA / HELP ---------- */

.carimed-cta {
    background: #fff;

    padding: 10px 0 90px;
}

.carimed-cta-eyebrow {
    display: inline-block;

    margin-bottom: 10px;

    color: var(--brand-red);

    font-size: 12px;
    font-weight: 700;

    letter-spacing: 1.5px;

    text-transform: uppercase;
}


/* Need help box */

.carimed-help-box {
    display: flex;

    align-items: center;
    justify-content: space-between;

    flex-wrap: wrap;

    gap: 26px;

    background: #fdeeee;

    border-radius: 16px;

    padding: 34px 40px;

    margin-bottom: 26px;
}

.carimed-help-text {
    max-width: 420px;
}

.carimed-help-title {
    margin: 0 0 12px;

    color: #050505;

    font-size: 32px;
    font-weight: 700;

    line-height: 1.15;
}

.carimed-help-desc {
    margin: 0;

    color: #6d6767;

    font-size: 15px;

    line-height: 1.55;
}

.carimed-help-contacts {
    display: flex;

    align-items: stretch;

    gap: 14px;

    flex-wrap: wrap;
}

.carimed-help-contact {
    display: flex;

    flex-direction: column;

    gap: 5px;

    background: #fff;

    border: 1px solid #f0dede;
    border-radius: 12px;

    padding: 14px 20px;

    text-decoration: none;

    transition: border-color .2s ease, box-shadow .2s ease;
}

.carimed-help-contact:hover {
    border-color: var(--brand-red);

    box-shadow: 0 6px 16px rgba(201, 0, 0, 0.08);
}

.carimed-help-contact-label {
    color: #9a9494;

    font-size: 11px;
    font-weight: 700;

    letter-spacing: 1.2px;

    text-transform: uppercase;
}

.carimed-help-contact-value {
    color: #1c1919;

    font-size: 15px;
    font-weight: 700;

    white-space: nowrap;
}


/* Financial solution banner */

.carimed-solution {
    position: relative;

    overflow: hidden;

    background:
        radial-gradient(circle at 50% 130%, rgba(255, 255, 255, 0.07) 0 18%, transparent 18% 100%),
        #0d0c0c;

    border-radius: 16px;

    text-align: center;

    padding: 70px 30px 80px;
}

/* concentric rings decoration */

.carimed-solution::before {
    content: "";

    position: absolute;

    left: 50%;
    bottom: -180px;

    width: 720px;
    height: 720px;

    transform: translateX(-50%);

    border-radius: 50%;

    border: 1px solid rgba(255, 255, 255, 0.07);

    box-shadow:
        0 0 0 90px transparent,
        0 0 0 91px rgba(255, 255, 255, 0.05),
        0 0 0 180px transparent,
        0 0 0 181px rgba(255, 255, 255, 0.04),
        0 0 0 280px transparent,
        0 0 0 281px rgba(255, 255, 255, 0.03);

    pointer-events: none;
}

.carimed-solution-title {
    position: relative;

    margin: 0 0 18px;

    color: #fff;

    font-size: 36px;
    font-weight: 700;

    line-height: 1.15;
}

.carimed-solution-text {
    position: relative;

    max-width: 720px;

    margin: 0 auto 32px;

    color: rgba(255, 255, 255, 0.78);

    font-size: 16px;

    line-height: 1.6;
}

.carimed-solution-btn {
    position: relative;

    display: inline-flex;

    align-items: center;

    gap: 8px;

    background: var(--brand-red);

    color: #fff;

    border-radius: 30px;

    padding: 14px 28px;

    font-size: 16px;
    font-weight: 600;

    text-decoration: none;

    transition: background .2s ease, transform .2s ease;
}

.carimed-solution-btn:hover {
    background: #a80000;

    color: #fff;

    transform: translateY(-1px);
}


/* ---------- CARIMED RESPONSIVE ---------- */

@media (max-width: 991.98px) {

    .carimed-features-grid,
    .carimed-qr-grid {
        grid-template-columns: 1fr;
    }

    .carimed-faq-grid {
        grid-template-columns: 1fr;
    }

    .carimed-faq-title,
    .carimed-onboard-title {
        font-size: 34px;
    }

    .carimed-booklet {
        flex-wrap: wrap;
    }

    .carimed-booklet-btn {
        width: 100%;

        justify-content: center;
    }

    .carimed-help-box {
        flex-direction: column;

        align-items: stretch;

        padding: 30px 24px;
    }

    .carimed-help-text {
        max-width: none;
    }

    .carimed-help-contacts {
        flex-direction: column;
    }

    .carimed-help-contact {
        width: 100%;
    }

    .carimed-solution-title {
        font-size: 28px;
    }
}

/* =====================================================
   CONTACT - SEND US A MESSAGE
===================================================== */

.contact-message {
    background: #fff;

    padding: 70px 0 90px;
}

.contact-message-box {
    display: grid;

    grid-template-columns: 380px 1fr;

    border: 1px solid #f1eaea;
    border-radius: 16px;

    overflow: hidden;

    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.06);
}


/* Left panel */

.contact-message-left {
    background:
        linear-gradient(rgba(20, 0, 0, 0.55), rgba(20, 0, 0, 0.55)),
        url('/images/contact-hero.jpg') center/cover no-repeat;

    color: #fff;

    padding: 50px 40px;
}

.contact-message-left h2 {
    margin: 0 0 16px;

    font-size: 32px;
    font-weight: 700;

    line-height: 1.15;
}

.contact-message-left p {
    margin: 0;

    color: rgba(255, 255, 255, 0.85);

    font-size: 16px;

    line-height: 1.6;
}


/* Right form */

.contact-message-right {
    padding: 40px 36px;
}

.contact-message-right label {
    display: block;

    margin-bottom: 8px;

    color: #4a4444;

    font-size: 14px;
    font-weight: 600;
}

.contact-input {
    width: 100%;

    background: #f4f2f2;

    border: 1px solid transparent;
    border-radius: 8px;

    padding: 13px 16px;

    font-size: 15px;

    color: #1c1919;

    transition: border-color .2s ease, background .2s ease;
}

.contact-input:focus {
    outline: none;

    background: #fff;

    border-color: var(--brand-red);
}

textarea.contact-input {
    resize: vertical;

    min-height: 160px;
}

select.contact-input {
    appearance: none;

    background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path d='M1 1.5 6 6.5 11 1.5' fill='none' stroke='%23999' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/></svg>");

    background-repeat: no-repeat;
    background-position: right 16px center;

    padding-right: 40px;
}


/* Submit row: captcha + button */

.contact-submit-row {
    display: flex;

    align-items: flex-end;

    justify-content: space-between;

    flex-wrap: wrap;

    gap: 18px;

    margin-top: 6px;
}

.contact-captcha {
    flex: 1;

    min-width: 200px;

    max-width: 280px;
}

.contact-send-btn {
    display: inline-flex;

    align-items: center;

    gap: 7px;

    background: var(--brand-red);

    color: #fff;

    border: 0;
    border-radius: 30px;

    padding: 14px 28px;

    font-size: 16px;
    font-weight: 600;

    cursor: pointer;

    transition: background .2s ease, transform .2s ease;
}

.contact-send-btn:hover {
    background: #a80000;

    transform: translateY(-1px);
}

.contact-captcha-error {
    margin: 12px 0 0;

    color: var(--brand-red);

    font-size: 14px;
}


/* Responsive */

@media (max-width: 991.98px) {

    .contact-message-box {
        grid-template-columns: 1fr;
    }

    .contact-message-left {
        padding: 36px 28px;
    }
}

/* =====================================================
   WAYS OF BANKING
===================================================== */

.wob-page {
    background: #f6f4f4;
}

.wob-band {
    padding: 48px 0;
}

.wob-band--white {
    background: #fff;
}

.wob-band--muted {
    background: #f4f2f2;
}

.wob-card {
    display: grid;
    grid-template-columns: 340px 1fr;
    gap: 48px;
    align-items: center;
    background: #fff;
    border-radius: 18px;
    padding: 28px;
    box-shadow: 0 16px 40px rgba(0, 0, 0, .06);
}

.wob-card--reverse {
    grid-template-columns: 1fr 340px;
}

.wob-card--reverse .wob-media {
    order: 2;
}

.wob-media {
    position: relative;
}

.wob-media img {
    display: block;
    width: 100%;
    height: 360px;
    object-fit: cover;
    border-radius: 16px;
    background: #efe8e8;
    box-shadow: 18px 18px 0 #f6dfe0;
}

.wob-badge {
    position: absolute;
    left: 16px;
    bottom: 16px;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 14px 8px 8px;
    background: #fff;
    border-radius: 10px;
    color: #1c1919;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: .4px;
    text-transform: uppercase;
    box-shadow: 0 6px 16px rgba(0, 0, 0, .08);
}

.wob-badge-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 32px;
    height: 32px;
    padding: 0 8px;
    background: var(--brand-red);
    color: #fff;
    border-radius: 8px;
    font-size: 13px;
}

.wob-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 10px;
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.4px;
    text-transform: uppercase;
}

.wob-eyebrow::before {
    content: "";
    width: 22px;
    height: 2px;
    background: var(--brand-red);
}

.wob-copy h2,
.wob-intro h2 {
    margin: 0 0 12px;
    color: #111;
    font-size: 40px;
    font-weight: 800;
    letter-spacing: -.6px;
    line-height: 1.1;
}

.wob-lead {
    margin: 0 0 28px;
    max-width: 640px;
    color: #6d6767;
    font-size: 16px;
    line-height: 1.6;
}

.wob-columns {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px 36px;
}

.wob-columns--wide {
    max-width: 920px;
}

.wob-columns h3 {
    margin: 0 0 14px;
    padding-bottom: 10px;
    border-bottom: 1px solid #ece7e7;
    color: #1c1919;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .6px;
    text-transform: uppercase;
}

.wob-steps {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.wob-steps li {
    position: relative;
    padding-left: 18px;
    color: #3f3936;
    font-size: 15px;
    line-height: 1.5;
}

.wob-steps li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 6px;
    width: 8px;
    height: 8px;
    background: var(--brand-red);
}

.wob-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
    margin-top: 32px;
}

.wob-actions--start {
    justify-content: flex-start;
}

.wob-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 22px;
    border-radius: 999px;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.wob-btn--solid {
    background: var(--brand-red);
    color: #fff;
    border: 1px solid var(--brand-red);
}

.wob-btn--solid:hover {
    background: #a30000;
    color: #fff;
}

.wob-btn--outline {
    background: #fff;
    color: var(--brand-red);
    border: 1px solid var(--brand-red);
}

.wob-btn--outline:hover {
    background: var(--brand-red);
    color: #fff;
}

@media (max-width: 991.98px) {
    .wob-card,
    .wob-card--reverse {
        grid-template-columns: 1fr;
        gap: 28px;
    }

    .wob-card--reverse .wob-media {
        order: 0;
    }

    .wob-media img {
        height: 260px;
    }

    .wob-copy h2,
    .wob-intro h2 {
        font-size: 32px;
    }

    .wob-columns {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 575.98px) {
    .wob-band {
        padding: 32px 0;
    }

    .wob-card {
        padding: 16px;
    }

    .wob-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .wob-btn {
        justify-content: center;
    }
}

/* =====================================================
   PRODUCT DETAILS
===================================================== */

.product-detail {
    background: #f7f6f6;
    padding: 48px 0 72px;
}

.product-detail-layout {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    gap: 36px;
    align-items: center;
    margin-bottom: 36px;
}

.product-detail-image {
    border-radius: 18px;
    overflow: hidden;
    background: #efe8e8;
}

.product-detail-image img {
    display: block;
    width: 100%;
    height: 420px;
    object-fit: cover;
}

.product-detail-eyebrow {
    display: inline-block;
    margin-bottom: 10px;
    color: var(--brand-red);
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 1.4px;
    text-transform: uppercase;
}

.product-detail-intro h2 {
    margin: 0 0 12px;
    color: #111;
    font-size: 40px;
    font-weight: 800;
    letter-spacing: -.5px;
    line-height: 1.1;
}

.product-detail-intro p {
    margin: 0;
    color: #6d6767;
    font-size: 16px;
    line-height: 1.65;
}

.product-detail-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-bottom: 28px;
}

.product-info-card {
    min-height: 280px;
    padding: 28px 26px 32px;
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 10px 28px rgba(0, 0, 0, .05);
}

.product-info-card h3 {
    margin: 0 0 14px;
    padding-bottom: 12px;
    border-bottom: 2px solid var(--brand-red);
    color: #111;
    font-size: 22px;
    font-weight: 800;
    line-height: 1.25;
}

.product-info-card ul {
    list-style: none;
    margin: 18px 0 0;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.product-info-card li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    color: #2b2929;
    font-size: 15px;
    line-height: 1.45;
}

.product-info-card li i {
    flex-shrink: 0;
    margin-top: 2px;
    color: #e36b6b;
    font-size: 16px;
}

.product-detail-cta {
    position: relative;
    overflow: hidden;
    margin-top: 12px;
    padding: 48px 40px;
    border-radius: 18px;
    background: #111;
    color: #fff;
}

.product-detail-cta::before {
    content: "";
    position: absolute;
    right: -80px;
    top: -220px;
    width: 640px;
    height: 640px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, .08);
    box-shadow:
        0 0 0 70px rgba(255, 255, 255, .03),
        0 0 0 140px rgba(255, 255, 255, .025),
        0 0 0 210px rgba(255, 255, 255, .02);
}

.product-detail-cta-content {
    position: relative;
    z-index: 1;
    max-width: 680px;
}

.product-detail-cta h2 {
    margin: 0 0 22px;
    color: #fff;
    font-size: 34px;
    font-weight: 800;
    letter-spacing: -.4px;
    line-height: 1.2;
}

.product-detail-apply {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 22px;
    border-radius: 999px;
    background: var(--brand-red);
    color: #fff;
    font-size: 15px;
    font-weight: 600;
    text-decoration: none;
}

.product-detail-apply:hover {
    background: #a30000;
    color: #fff;
}

@media (max-width: 991.98px) {
    .product-detail-layout,
    .product-detail-grid {
        grid-template-columns: 1fr;
    }

    .product-detail-image img {
        height: 280px;
    }

    .product-detail-intro h2,
    .product-detail-cta h2 {
        font-size: 30px;
    }
}

@media (max-width: 575.98px) {
    .product-detail {
        padding: 32px 0 48px;
    }

    .product-info-card {
        min-height: 0;
        padding: 22px 18px;
    }

    .product-detail-cta {
        padding: 32px 20px;
    }
}