/* =========================
   PROFESSIONAL BANKING UI UPGRADE
========================= */

*{
    margin:0;
    padding:0;
    box-sizing:border-box;
}

:root{

    --primary:#0046b8;
    --primary-dark:#02152f;
    --secondary:#d91c3c;

    --text:#0b1728;
    --light:#66758a;

    --border:#e8edf5;
    --bg:#f6f9fc;
    --white:#ffffff;

    --shadow:0 10px 35px rgba(15,23,42,.05);

}

html{
    scroll-behavior:smooth;
}

body{
    font-family:'Plus Jakarta Sans',sans-serif;
    background:var(--bg);
    color:var(--text);
    overflow-x:hidden;
    line-height:1.7;
    font-size:14px;
    font-weight:500;
    -webkit-font-smoothing:antialiased;
}

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

.container{
    width:100%;
    max-width:1320px;
    margin:auto;
    padding:0 22px;
}

section{
    padding:88px 0;
}

h1,
h2,
h3,
h4{
    font-family:'Manrope',sans-serif;
    font-weight:800;
    letter-spacing:-1px;
    line-height:1.12;
}

.btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:10px;
    text-decoration:none;
    transition:.25s ease;
    cursor:pointer;
    font-weight:700;
}

/* =========================
   TOPBAR
========================= */

.topbar{
    background:var(--primary-dark);
    color:#fff;
    font-size:11px;
    font-weight:600;
    border-bottom:1px solid rgba(255,255,255,.06);
}

.topbar-wrap{
    height:40px;
    display:flex;
    align-items:center;
    justify-content:space-between;
}

.topbar-links{
    display:flex;
    gap:24px;
}

.topbar a{
    color:#dce6ff;
    text-decoration:none;
}

.topbar a:hover{
    color:#fff;
}

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

.header{
    position:sticky;
    top:0;
    z-index:9999;
    background:rgba(255,255,255,.96);
    backdrop-filter:blur(12px);
    border-bottom:1px solid var(--border);
}

.navbar{
    height:78px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    position:relative;
}

.logo img{
    width:190px;
}

.nav-links{
    display:flex;
    align-items:center;
    gap:26px;
}

.nav-link{
    text-decoration:none;
    color:var(--text);
    font-size:13px;
    font-weight:700;
    position:relative;
    transition:.25s;
}

.nav-link::after{
    content:"";
    position:absolute;
    left:0;
    bottom:-8px;
    width:0%;
    height:2px;
    background:var(--primary);
    transition:.25s;
}

.nav-link:hover{
    color:var(--primary);
}

.nav-link:hover::after{
    width:100%;
}

.nav-right{
    display:flex;
    align-items:center;
    gap:12px;
}

.search-btn{
    width:42px;
    height:42px;
    border-radius:50%;
    border:1px solid var(--border);
    background:#fff;
    color:var(--primary);
    cursor:pointer;
    font-size:13px;
    transition:.25s;
}

.search-btn:hover{
    background:#eef4ff;
}

.login-btn{
    padding:12px 20px;
    border-radius:50px;
    border:1px solid var(--border);
    background:#fff;
    color:var(--text);
    font-size:13px;
}

.apply-btn{
    padding:13px 24px;
    border-radius:50px;
    background:linear-gradient(135deg,var(--secondary),#bb1632);
    color:#fff;
    font-size:13px;
    box-shadow:0 10px 25px rgba(217,28,60,.16);
}

.mobile-menu-btn{
    display:none;
    width:46px;
    height:46px;
    border:none;
    background:#eef4ff;
    color:var(--primary);
    border-radius:14px;
    font-size:18px;
    cursor:pointer;
    transition:.25s;
    z-index:10001;
}

.mobile-menu-btn:active{
    transform:scale(.96);
}

.apply-btn:hover,
.hero-btn:hover,
.cta-btn:hover{
    transform:translateY(-2px);
}

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

.hero{
    padding:30px 0 26px;
}

.hero-box{
    background:#fff;
    border-radius:28px;
    overflow:hidden;
    display:grid;
    grid-template-columns:1.02fr .98fr;
    align-items:center;
    min-height:560px;
    border:1px solid var(--border);
    box-shadow:var(--shadow);
}

.hero-content{
    padding:70px;
}

.hero-badge{
    display:inline-flex;
    align-items:center;
    gap:10px;
    background:#edf4ff;
    color:var(--primary);
    padding:10px 18px;
    border-radius:50px;
    font-size:11px;
    font-weight:700;
    margin-bottom:24px;
}

.hero-content h1{
    font-size:54px;
    margin-bottom:20px;
    max-width:560px;
    color:#081425;
}

.hero-content p{
    color:var(--light);
    font-size:15px;
    max-width:540px;
    margin-bottom:32px;
}

.hero-image{
    height:100%;
}

.hero-image img{
    width:100%;
    height:100%;
    object-fit:cover;
}

.hero-btn{
    padding:15px 28px;
    border-radius:50px;
    background:linear-gradient(135deg,var(--secondary),#bb1632);
    color:#fff;
    font-size:13px;
}

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

.section-title{
    text-align:center;
    margin-bottom:56px;
}

.section-title h2{
    font-size:38px;
    margin-bottom:14px;
    color:#081425;
}

.section-title p{
    max-width:660px;
    margin:auto;
    color:var(--light);
    font-size:15px;
}

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

.grid-4{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:22px;
}

.card{
    background:#fff;
    border-radius:22px;
    padding:30px;
    border:1px solid var(--border);
    transition:.25s ease;
}

.card:hover{
    transform:translateY(-6px);
    box-shadow:var(--shadow);
}

.icon{
    width:62px;
    height:62px;
    border-radius:18px;
    background:#eef4ff;
    color:var(--primary);
    display:flex;
    align-items:center;
    justify-content:center;
    font-size:22px;
    margin-bottom:22px;
}

.card h3{
    font-size:21px;
    margin-bottom:12px;
    color:#081425;
}

.card p{
    color:var(--light);
    font-size:14px;
}

/* =========================
   SERVICE SECTION
========================= */

.service-section{
    background:#fff;
}

.service-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:64px;
    align-items:center;
}

.service-content h2{
    font-size:40px;
    margin-bottom:18px;
    color:#081425;
}

.service-content p{
    color:var(--light);
    font-size:15px;
    margin-bottom:22px;
}

.service-list{
    margin-top:24px;
}

.service-list li{
    list-style:none;
    margin-bottom:14px;
    display:flex;
    gap:12px;
    font-size:14px;
    font-weight:600;
}

.service-list i{
    color:var(--primary);
    margin-top:4px;
}

.service-img{
    border-radius:26px;
    box-shadow:var(--shadow);
}

/* =========================
   STATS
========================= */

.stats-section{
    background:linear-gradient(135deg,#02152f,#0046b8);
    color:#fff;
}

.stats-grid{
    display:grid;
    grid-template-columns:repeat(4,1fr);
    gap:28px;
    text-align:center;
}

.stats-box h2{
    font-size:48px;
    color:#fff;
    margin-bottom:8px;
}

.stats-box p{
    color:#dce7ff;
    font-size:13px;
    font-weight:600;
}

/* =========================
   TESTIMONIALS
========================= */

.testimonial-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:22px;
}

.testimonial{
    background:#fff;
    border-radius:24px;
    padding:32px;
    border:1px solid var(--border);
    box-shadow:var(--shadow);
}

.testimonial img{
    width:64px;
    height:64px;
    border-radius:50%;
    object-fit:cover;
    margin-bottom:18px;
}

.testimonial p{
    color:var(--light);
    font-size:14px;
}

.testimonial h4{
    margin-top:18px;
    font-size:17px;
    color:#081425;
}

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

.cta{
    background:linear-gradient(135deg,#081425,#002868);
    color:#fff;
    text-align:center;
    border-radius:30px;
    padding:80px 34px;
}

.cta h2{
    color:#fff;
    font-size:44px;
    margin-bottom:16px;
}

.cta p{
    max-width:650px;
    margin:auto auto 30px;
    color:#dce6ff;
    font-size:15px;
}

.cta-btn{
    padding:15px 32px;
    border-radius:50px;
    background:#fff;
    color:#081425;
    font-size:13px;
}

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

.footer{
    background:#ffffff;
    padding-top:70px;
    border-top:1px solid #e8edf5;
}

.footer-grid{
    display:grid;
    grid-template-columns:2fr 1fr 1fr 1fr;
    gap:40px;
    margin-bottom:0;
    padding-bottom:50px;
}

.footer-logo img{
    width:180px;
    margin-bottom:18px;
}

.footer p{
    color:#66758a;
    font-size:14px;
}

.footer h3{
    color:#081425;
    margin-bottom:20px;
    font-size:18px;
}

.footer-links a{
    display:block;
    color:#66758a;
    text-decoration:none;
    margin-bottom:12px;
    font-size:13px;
    font-weight:600;
    transition:.25s;
}

.footer-links a:hover{
    color:#0046b8;
    padding-left:3px;
}

.footer-bottom{
    width:100vw;
    margin-left:calc(50% - 50vw);
    background:#081425;
    padding:22px 0;
    text-align:center;
    color:#dce6ff;
    font-size:12px;
    font-weight:600;
}

/* DESKTOP PAR MOBILE APPLY BUTTON HIDE */

.mobile-menu-buttons{
    display:none;
}

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

@media(max-width:1100px){

    .hero-box,
    .service-grid{
        grid-template-columns:1fr;
    }

    .grid-4,
    .testimonial-grid,
    .stats-grid{
        grid-template-columns:repeat(2,1fr);
    }

    .footer-grid{
        grid-template-columns:1fr 1fr;
    }

    .hero-content h1{
        font-size:46px;
    }

}

/* =========================
   MOBILE NAVBAR UPGRADE
========================= */

@media(max-width:768px){

    .topbar{
        display:none;
    }

    .navbar{
        height:74px;
        position:relative;
    }

    .logo img{
        width:160px;
    }

    .mobile-menu-btn{
        display:flex;
        align-items:center;
        justify-content:center;
    }

    .nav-right{
        display:none;
    }

    /* MOBILE MENU */

    .nav-links{
        position:absolute;
        top:calc(100% + 14px);
        left:0;
        width:100%;
        background:#fff;
        border:1px solid #e8edf5;
        border-radius:24px;
        padding:18px;

        display:flex;
        flex-direction:column;
        gap:8px;

        opacity:0;
        visibility:hidden;
        transform:translateY(15px);

        transition:
        opacity .25s ease,
        transform .25s ease,
        visibility .25s;

        box-shadow:
        0 20px 50px rgba(15,23,42,.10);

        z-index:9999;
    }

    .nav-links.active{
        opacity:1;
        visibility:visible;
        transform:translateY(0);
    }

    .nav-link{
        width:100%;
        display:flex;
        align-items:center;
        justify-content:space-between;

        padding:15px 16px;
        border-radius:14px;

        background:#f8fbff;
        border:1px solid #edf2f7;

        font-size:14px;
        font-weight:700;

        color:#081425;
        text-decoration:none;
    }

    .nav-link::after{
        display:none;
    }

    .nav-link::before{
        content:"›";
        font-size:18px;
        color:#0046b8;
        font-weight:700;
        order:2;
    }

    .nav-link:hover{
        background:#eef4ff;
        color:#0046b8;
        border-color:#d9e6ff;
        padding-left:20px;
    }

    /* MOBILE APPLY BUTTON */

    .mobile-menu-buttons{

        display:block;
        width:100%;

        margin-top:14px;
        padding-top:18px;

        border-top:1px solid #edf2f7;

    }

    .mobile-apply-btn{

        width:100%;
        height:52px;

        border-radius:16px;

        background:
        linear-gradient(135deg,#d91c3c,#bb1632);

        color:#fff;
        text-decoration:none;

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

        font-size:14px;
        font-weight:700;

        box-shadow:
        0 10px 25px rgba(217,28,60,.18);

        transition:.25s;

    }

    .mobile-apply-btn:hover{
        transform:translateY(-2px);
    }

    section{
        padding:70px 0;
    }

    .hero-box,
    .service-grid,
    .grid-4,
    .testimonial-grid,
    .stats-grid,
    .footer-grid{
        grid-template-columns:1fr;
    }

    .hero-content{
        padding:38px 24px;
    }

    .hero-content h1{
        font-size:36px;
    }

    .hero-content p{
        font-size:14px;
    }

    .section-title h2,
    .service-content h2,
    .cta h2{
        font-size:30px;
    }

    .card,
    .testimonial{
        padding:24px;
    }

    .cta{
        padding:60px 24px;
    }

}
/* =========================================
   MODERN CREDIT CARDS SECTION
========================================= */

.modern-cards-section{
    padding:100px 0;
    background:#f6f9fc;
}

.container{
    width:100%;
    max-width:1400px;
    margin:auto;
    padding:0 20px;
}

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

.modern-heading{
    text-align:center;
    margin-bottom:50px;
}

.mini-title{
    display:inline-block;
    background:#eaf2ff;
    color:#0046b8;
    padding:10px 18px;
    border-radius:50px;
    font-size:12px;
    font-weight:700;
    margin-bottom:18px;
    letter-spacing:.5px;
}

.modern-heading h2{
    font-size:48px;
    line-height:1.2;
    color:#081425;
    margin-bottom:18px;
    font-weight:800;
}

.modern-heading p{
    max-width:760px;
    margin:auto;
    color:#66758a;
    font-size:16px;
    line-height:1.7;
}

/* =========================================
   FILTERS
========================================= */

.modern-filters{
    display:flex;
    flex-wrap:wrap;
    justify-content:center;
    gap:14px;
    margin-bottom:60px;
}

.filter-btn{
    border:none;
    background:#fff;
    padding:14px 24px;
    border-radius:60px;
    font-size:13px;
    font-weight:700;
    color:#081425;
    cursor:pointer;
    transition:.3s ease;
    border:1px solid #dfe7f2;
    white-space:nowrap;
}

.filter-btn:hover{
    transform:translateY(-2px);
    box-shadow:0 10px 25px rgba(0,0,0,.06);
}

.filter-btn.active{
    background:linear-gradient(135deg,#0046b8,#002868);
    color:#fff;
    border-color:transparent;
    box-shadow:0 10px 30px rgba(0,70,184,.18);
}

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

.modern-cards-grid{
    display:grid;
    grid-template-columns:repeat(3,minmax(0,1fr));
    gap:28px;
}

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

.credit-card-box{
    background:#fff;
    border-radius:28px;
    overflow:hidden;
    border:1px solid #e6edf5;
    box-shadow:0 10px 35px rgba(15,23,42,.05);
    transition:.35s ease;

    display:flex;
    flex-direction:column;
    height:100%;
}

.credit-card-box:hover{
    transform:translateY(-8px);
    box-shadow:0 22px 50px rgba(15,23,42,.08);
}

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

.card-top{
    padding:30px 24px;
    background:linear-gradient(135deg,#f8fbff,#edf3ff);
    text-align:center;
    position:relative;
    min-height:240px;

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

.card-top img{
    width:100%;
    max-width:260px;
    height:auto;
    object-fit:contain;
}

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

.credit-badge{
    position:absolute;
    top:18px;
    left:18px;
    padding:8px 14px;
    border-radius:50px;
    font-size:11px;
    font-weight:700;
    z-index:2;
}

.credit-badge.fair{
    background:#fff2dd;
    color:#9a5a00;
}

.credit-badge.excellent{
    background:#e7fff0;
    color:#0f7a41;
}

.credit-badge.good{
    background:#e8f1ff;
    color:#0046b8;
}

.credit-badge.rebuilding{
    background:#fff0f0;
    color:#b42318;
}

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

.card-content{
    padding:28px;
    display:flex;
    flex-direction:column;
    flex:1;
}

.card-content h3{
    font-size:25px;
    line-height:1.3;
    color:#081425;
    margin-bottom:20px;
    font-weight:800;
    min-height:65px;
}

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

.card-content ul{
    margin:0;
    padding:0;
    list-style:none;

    flex:1;
}

.card-content ul li{
    position:relative;
    padding-left:24px;
    margin-bottom:14px;
    color:#66758a;
    font-size:14px;
    line-height:1.6;
}

.card-content ul li::before{
    content:"✓";
    position:absolute;
    left:0;
    top:0;
    color:#0046b8;
    font-weight:800;
}

/* =========================================
   BUTTONS FIXED BOTTOM
========================================= */

.card-buttons{
    margin-top:auto;
    padding-top:20px;

    display:flex;
    flex-direction:column;
    gap:12px;
}

.primary-btn,
.secondary-btn{
    width:100%;
    min-height:52px;

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

    border-radius:16px;
    text-decoration:none;

    font-size:14px;
    font-weight:700;

    transition:.3s ease;
    box-sizing:border-box;
}

/* PRIMARY */

.primary-btn{
    background:linear-gradient(135deg,#0046b8,#002868);
    color:#fff;
    border:none;
}

.primary-btn:hover{
    transform:translateY(-2px);
    box-shadow:0 12px 25px rgba(0,70,184,.25);
}

/* SECONDARY */

.secondary-btn{
    background:#fff;
    color:#081425;
    border:1px solid #dce5f0;
}

.secondary-btn:hover{
    background:#f7f9fc;
}

/* =========================================
   FILTER ANIMATION
========================================= */

.credit-card-box.hide-card{
    display:none !important;
}

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

@media(max-width:1100px){

    .modern-cards-grid{
        grid-template-columns:repeat(2,minmax(0,1fr));
    }

}

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

@media(max-width:768px){

    .modern-cards-section{
        padding:70px 0;
    }

    .modern-heading{
        margin-bottom:40px;
    }

    .modern-heading h2{
        font-size:34px;
    }

    .modern-heading p{
        font-size:15px;
    }

    .modern-filters{
        justify-content:flex-start;
        flex-wrap:nowrap;
        overflow-x:auto;
        padding-bottom:10px;
        margin-bottom:40px;
    }

    .modern-filters::-webkit-scrollbar{
        height:4px;
    }

    .modern-cards-grid{
        grid-template-columns:1fr;
        gap:22px;
    }

    .credit-card-box{
        border-radius:24px;
    }

    .card-top{
        min-height:220px;
        padding:25px 20px;
    }

    .card-content{
        padding:24px;
    }

    .card-content h3{
        font-size:22px;
        min-height:auto;
    }

    .primary-btn,
    .secondary-btn{
        min-height:50px;
        font-size:14px;
    }

}