/* =====================================================
   Global Styles – Shri Gurudeva Vividhoddesha
   Sahakara Sangha (Limited)
===================================================== */

/* Root palette */
:root {
  --brand-blue: #0000ff;
  --brand-red: #ff0000;
  --brand-yellow: #ffff00;

  --brand-navy: #08142b;
  --brand-navy-dark: #020818;
  --brand-gold: var(--brand-yellow);
  --brand-gold-soft: #fff7dd;

  --bg-body: #f3f4f6;
  --bg-surface: #ffffff;
  --border-subtle: #e5e7eb;
  --text-main: #111827;
  --text-muted: #6b7280;
  --text-soft: #9ca3af;

  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 18px;
  --radius-xl: 24px;

  --shadow-soft: 0 10px 30px rgba(15, 23, 42, 0.08);
  --shadow-medium: 0 15px 40px rgba(15, 23, 42, 0.14);

  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 24px;
  --space-xl: 32px;
  --space-2xl: 48px;
  --space-3xl: 72px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  background: var(--bg-body);
  color: var(--text-main);
  line-height: 1.5;
}

/* Utility containers */
.main {
  min-height: 100vh;
}

.container {
  width: 100%;
  max-width: 1120px;
  margin: 0 auto;
  padding: 0 16px;
}

/* =====================================================
   Header & Navigation
===================================================== */

.header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(229, 231, 235, 0.8);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 16px;
  max-width: 1120px;
  margin: 0 auto;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  gap: 10px;
}

.logo-img {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  object-fit: contain;
  box-shadow: 0 10px 20px rgba(0, 0, 0, 0.18);
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.bank-name {
  font-size: 16px;
  line-height: 1.3;
  font-weight: 700;
  margin: 0;
  color: var(--brand-navy);
}

.bank-subtitle {
  font-size: 12px;
  margin: 2px 0 0;
  color: var(--text-soft);
}

/* Nav menu */
.nav-menu {
  display: flex;
  align-items: center;
}

.nav-list {
  display: flex;
  align-items: center;
  list-style: none;
  gap: 10px;
  padding: 0;
  margin: 0;
}

.nav-item {
  position: relative;
}

.nav-link,
.dropdown-toggle {
  border: none;
  background: none;
  font: inherit;
  cursor: pointer;
  text-decoration: none;
  color: #4b5563;
  font-size: 14px;
  padding: 6px 10px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: background 0.18s ease, color 0.18s ease;
  position: relative;
}

.nav-link:hover,
.dropdown-toggle:hover {
  background: rgba(11, 76, 168, 0.06);
  color: var(--brand-blue);
}

/* Underline animation */
.nav-link::after,
.dropdown-toggle::after {
  content: "";
  position: absolute;
  left: 50%;
  bottom: 2px;
  width: 0;
  height: 2px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand-yellow), var(--brand-red));
  transform: translateX(-50%);
  transition: width 0.18s ease;
}

.nav-link:hover::after,
.dropdown-toggle:hover::after,
.nav-link.active::after {
  width: 70%;
}

/* Dropdown */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 170px;
  margin-top: 6px;
  background: #ffffff;
  border-radius: 14px;
  box-shadow: var(--shadow-medium);
  border: 1px solid rgba(229, 231, 235, 0.95);
  padding: 6px;
  list-style: none;
  display: none;
  z-index: 30;
}

.dropdown.open .dropdown-menu {
  display: block;
}

/* --------------------------------------------
   FIX: Stable dropdown position for "Services"
   (desktop)
---------------------------------------------*/
@media (min-width: 769px) {
  .nav-item.dropdown {
    position: relative;
  }

  .nav-item.dropdown .dropdown-menu {
    left: 0; /* anchor to left edge of "Services" */
    right: auto;
    transform: none; /* cancel previous translateX(-50%) */
    margin-top: 6px;
  }
}

.dropdown.open .dropdown-menu {
  display: block;
}

.dropdown-link {
  display: block;
  padding: 7px 10px;
  border-radius: 10px;
  font-size: 14px;
  text-decoration: none;
  color: #374151;
  transition: background 0.16s ease, color 0.16s ease;
}

.dropdown-link:hover {
  background: rgba(11, 76, 168, 0.08);
  color: var(--brand-blue);
}

/* Header actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

/* Mobile menu button */
.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  gap: 4px;
  background: none;
  border: none;
  padding: 6px;
  border-radius: 999px;
  cursor: pointer;
}

.mobile-menu-toggle span {
  width: 18px;
  height: 2px;
  border-radius: 999px;
  background: #111827;
}

/* Overlay for mobile nav */
.mobile-nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.3);
  z-index: 20;
}

/* =====================================================
   Buttons
===================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease, box-shadow 0.18s ease,
    border-color 0.18s ease, transform 0.12s ease;
  white-space: nowrap;
}

.btn-lg {
  padding: 9px 18px;
  font-size: 15px;
}

.btn-primary {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;

  padding: 10px 26px;
  border-radius: 40px; /* Large radius fixes corner flattening */

  color: #ffffff;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;

  border: none;
  outline: none;

  background: linear-gradient(90deg, #ffea00, #ff4e00, #ff2600);
  background-size: 200% 200%;
  transition: background-position 0.3s ease, transform 0.2s ease;
  overflow: hidden; /* IMPORTANT: Fixes leaking color at edges */
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.18);
}

.btn-primary:hover {
  background-position: 100% 0;
  transform: translateY(-2px);
}

.btn-primary:active {
  transform: translateY(0);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.22);
}

.btn-secondary {
  background: #ffffff;
  color: var(--brand-blue);
  border-color: rgba(15, 23, 42, 0.12);
}

.btn-secondary:hover {
  background: #f9fafb;
  border-color: rgba(15, 23, 42, 0.22);
}

.btn-outline {
  background: transparent;
  color: var(--brand-blue);
  border-color: rgba(11, 76, 168, 0.4);
}

.btn-outline:hover {
  background: rgba(11, 76, 168, 0.06);
}

/* =====================================================
   Hero Section
===================================================== */

.hero {
  position: relative;
  overflow: hidden;
  padding: var(--space-3xl) 0 var(--space-2xl);
  background: radial-gradient(
      circle at top left,
      rgba(245, 180, 0, 0.18),
      #ffffff 55%
    )
    fixed;
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  border-radius: 999px;
  filter: blur(40px);
  opacity: 0.55;
  z-index: -1;
}

.hero::before {
  width: 260px;
  height: 260px;
  top: -60px;
  right: -40px;
  background: radial-gradient(circle, rgba(11, 76, 168, 0.6), transparent);
}

.hero::after {
  width: 220px;
  height: 220px;
  bottom: -80px;
  left: -40px;
  background: radial-gradient(circle, rgba(198, 40, 40, 0.55), transparent);
}

.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr);
  gap: 30px;
  align-items: center;
}

/* Hero text */
.hero-eyebrow {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--brand-blue);
  margin-bottom: 8px;
}

.hero-title {
  font-size: 28px;
  line-height: 1.2;
  font-weight: 700;
  margin: 0 0 10px;
  color: var(--brand-navy);
}

.hero-subtitle {
  margin: 0 0 18px;
  font-size: 14px;
  color: var(--text-muted);
  max-width: 480px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 14px;
}

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.hero-badge {
  font-size: 12px;
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(8, 20, 43, 0.04);
  border: 1px solid rgba(148, 163, 184, 0.6);
  color: #374151;
  transition: transform 0.18s ease, background 0.18s ease;
}

.hero-badge:hover {
  transform: translateY(-1px);
  background: rgba(11, 76, 168, 0.06);
}

/* Hero Right column */
.hero-right {
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
}

/* Hero decorative graphic */
.hero-graphic {
  position: relative;
  background: linear-gradient(
    135deg,
    rgba(255, 255, 0, 0.98),
    rgba(255, 0, 0, 0.96)
  );
  border-radius: var(--radius-lg);
  padding: 14px 16px;
  color: #ffffff;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.45);
  overflow: hidden;
  animation: floatSoft 6s ease-in-out infinite;
}

.hero-graphic::after {
  content: "";
  position: absolute;
  width: 120px;
  height: 120px;
  border-radius: 999px;
  background: radial-gradient(circle, rgba(245, 180, 0, 0.8), transparent);
  right: -30px;
  bottom: -40px;
  opacity: 0.8;
}

.hero-graphic-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  margin-bottom: 8px;
}

.hero-graphic-title {
  font-size: 13px;
  font-weight: 500;
  margin: 0 0 3px;
}

.hero-graphic-sub {
  font-size: 11px;
  opacity: 0.8;
  margin: 0;
}

.hero-graphic-pill {
  padding: 6px 10px;
  border-radius: 999px;
  background: rgba(8, 20, 43, 0.25);
  font-size: 12px;
  font-weight: 500;
}

.hero-graphic-meter {
  position: relative;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.18);
  overflow: hidden;
  margin-bottom: 10px;
}

.hero-graphic-meter-fill {
  width: 78%;
  height: 100%;
  border-radius: 999px;
  background: linear-gradient(90deg, #f5f3ff, var(--brand-yellow), #ffffff);
  box-shadow: 0 0 12px rgba(255, 255, 255, 0.7);
}

.hero-graphic-row-bottom {
  font-size: 11px;
}

.hero-graphic-tag {
  padding: 5px 8px;
  border-radius: 999px;
  background: rgba(8, 20, 43, 0.18);
  border: 1px solid rgba(255, 255, 255, 0.25);
}

.hero-graphic-tag-soft {
  background: rgba(255, 255, 255, 0.12);
}

/* Hero EMI calculator card */
.hero-calculator {
  background: #ffffff;
  border-radius: var(--radius-lg);
  padding: 16px 16px 14px;
  box-shadow: var(--shadow-soft);
  border: 1px solid rgba(229, 231, 235, 0.9);
}

/* =====================================================
   Forms & Inputs
===================================================== */

.form-group {
  display: flex;
  flex-direction: column;
  gap: 4px;
  margin-bottom: 10px;
}

.form-group label {
  font-size: 13px;
  color: var(--text-muted);
}

.form-group input,
.form-group select,
.form-group textarea {
  border-radius: 10px;
  border: 1px solid rgba(209, 213, 219, 0.9);
  padding: 7px 10px;
  font-size: 14px;
  outline: none;
  transition: border-color 0.14s ease, box-shadow 0.14s ease;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: rgba(11, 76, 168, 0.7);
  box-shadow: 0 0 0 1px rgba(11, 76, 168, 0.25);
}

/* =====================================================
   Sections & Layout
===================================================== */

.section {
  padding: var(--space-2xl) 0;
}

.section-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
  flex-wrap: wrap;
}

.section-title {
  font-size: 20px;
  font-weight: 700;
  margin: 0 0 4px;
  color: var(--brand-navy);
  position: relative;
  padding-bottom: 4px;
}

.section-title::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -8px;
  width: 72px;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand-yellow), var(--brand-red));
}

.section-subtitle {
  font-size: 14px;
  margin: 4px 0 0;
  color: var(--text-muted);
}

/* Generic grids */
.grid {
  display: grid;
  gap: 18px;
}

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

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

/* Cards, stats, services, news share similar card style */
.card,
.stat-card,
.service-card,
.news-card {
  border-radius: var(--radius-md);
  border: 1px solid rgba(229, 231, 235, 0.95);
  background: #ffffff;
  box-shadow: 0 0 0 rgba(0, 0, 0, 0);
  transition: transform 0.25s ease, box-shadow 0.25s ease,
    border-color 0.25s ease, background 0.25s ease;
}

/* Hover elevation */
.service-card:hover,
.news-card:hover,
.stat-card:hover,
.card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 40px rgba(15, 23, 42, 0.16);
  border-color: rgba(11, 76, 168, 0.35);
  background: radial-gradient(circle at top left, #ffffff, #f9fafb);
}

/* Stats */
.stats {
  padding: var(--space-xl) 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 14px;
}

.stat-card {
  padding: 14px 12px;
}

.stat-label {
  font-size: 12px;
  color: var(--text-soft);
}

.stat-value {
  font-size: 20px;
  font-weight: 700;
  margin: 4px 0 2px;
  color: var(--brand-navy);
}

/* Services */
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.service-card {
  padding: 14px 14px 14px;
}

.service-icon {
  width: 32px;
  height: 32px;
  border-radius: 999px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(11, 76, 168, 0.06);
  margin-bottom: 8px;
  font-size: 18px;
}

.service-title {
  margin: 0 0 6px;
  font-size: 16px;
  font-weight: 600;
  color: var(--brand-navy);
}

.service-desc {
  margin: 0 0 8px;
  font-size: 14px;
  color: var(--text-muted);
}

.service-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-bottom: 6px;
}

.service-tag {
  font-size: 11px;
  padding: 4px 8px;
  border-radius: 999px;
  background: rgba(248, 250, 252, 0.95);
  border: 1px dashed rgba(148, 163, 184, 0.7);
  color: #4b5563;
}

.service-list {
  padding-left: 18px;
  margin: 0 0 12px;
  font-size: 14px;
  color: var(--text-muted);
}

/* Note text */
.note-text {
  font-size: 12px;
  color: var(--text-soft);
  margin-top: 18px;
}

/* =====================================================
   News
===================================================== */

.news-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.news-card {
  padding: 14px;
}

.news-meta {
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--text-soft);
  margin-bottom: 6px;
}

.news-title {
  font-size: 15px;
  margin: 0 0 6px;
  color: var(--brand-navy);
}

.news-excerpt {
  margin: 0;
  font-size: 13px;
  color: var(--text-muted);
}

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

.cta-banner {
  border-radius: 22px;
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  color: #f9fafb;
  position: relative;
  overflow: hidden;
}

.cta-banner h2 {
  margin: 0 0 4px;
  font-size: 18px;
}

.cta-banner p {
  margin: 0;
  font-size: 14px;
  color: rgba(209, 213, 219, 0.95);
}

/* Animated gradient border for CTA */
@keyframes borderGlow {
  0% {
    background-position: 0% 50%;
  }
  50% {
    background-position: 100% 50%;
  }
  100% {
    background-position: 0% 50%;
  }
}

.cta-banner::before {
  content: "";
  position: absolute;
  inset: -2px;
  border-radius: inherit;
  background: linear-gradient(
    120deg,
    rgba(245, 180, 0, 0.8),
    rgba(198, 40, 40, 0.8)
  );
  background-size: 200% 200%;
  animation: borderGlow 10s linear infinite;
  z-index: -2;
}

.cta-banner::after {
  content: "";
  position: absolute;
  inset: 2px;
  border-radius: inherit;
  background: linear-gradient(
    135deg,
    var(--brand-navy),
    var(--brand-navy-dark)
  );
  z-index: -1;
}

/* =====================================================
   Tables (Branches page etc.)
===================================================== */

.table-wrapper {
  width: 100%;
  overflow-x: auto;
}

.table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  background: #ffffff;
  border-radius: var(--radius-md);
  overflow: hidden;
}

.table th,
.table td {
  padding: 10px 12px;
  border-bottom: 1px solid #e5e7eb;
}

.table th {
  background: #f9fafb;
  text-align: left;
  font-weight: 600;
  color: #374151;
}

.table tr:last-child td {
  border-bottom: none;
}

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

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-item {
  border-radius: var(--radius-md);
  border: 1px solid #e5e7eb;
  background: #ffffff;
  overflow: hidden;
}

.faq-question {
  padding: 10px 12px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-size: 14px;
  color: #111827;
  background: #ffffff;
}

.faq-answer {
  padding: 0 12px 10px;
  font-size: 13px;
  color: #4b5563;
  display: none;
}

.faq-item.open .faq-answer {
  display: block;
}

/* =====================================================
   Auth Card (Login)
===================================================== */

.auth-card {
  max-width: 360px;
  margin: 0 auto;
}

/* =====================================================
   Tabs (Calculators page)
===================================================== */

.tabs {
  margin-top: 18px;
}

.tab-list {
  display: flex;
  border-radius: 999px;
  padding: 3px;
  background: #f3f4f6;
  gap: 4px;
  margin-bottom: 12px;
}

.tab {
  flex: 1;
  text-align: center;
  border-radius: 999px;
  font-size: 13px;
  padding: 6px 8px;
  border: none;
  background: transparent;
  cursor: pointer;
  color: #4b5563;
  transition: background 0.15s ease, color 0.15s ease, box-shadow 0.15s ease;
}

.tab.active {
  background: #ffffff;
  color: var(--brand-blue);
  box-shadow: 0 10px 20px rgba(15, 23, 42, 0.12);
}

/* Tab panels */
.tab-panel {
  display: none;
}

.tab-panel.active {
  display: block;
}

/* =====================================================
   Footer
===================================================== */

.footer {
  margin-top: var(--space-xl);
  background: #020617;
  color: #e5e7eb;
  padding: var(--space-xl) 0 var(--space-lg);
}

.footer-content {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, minmax(0, 1fr));
  gap: 18px;
  margin-bottom: 16px;
}

.footer-logo {
  display: flex;
  gap: 10px;
  align-items: center;
  margin-bottom: 6px;
}

.footer-logo-img {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  object-fit: contain;
}

.footer-logo-text h3 {
  margin: 0 0 2px;
  font-size: 14px;
}

.footer-logo-text p {
  margin: 0;
  font-size: 12px;
  color: #9ca3af;
}

.footer-description {
  margin: 0;
  font-size: 13px;
  color: #9ca3af;
}

.footer-title {
  margin: 0 0 8px;
  font-size: 14px;
  color: #e5e7eb;
}

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

.footer-links li {
  margin-bottom: 4px;
}

.footer-links a {
  color: #9ca3af;
  text-decoration: none;
  font-size: 13px;
}

.footer-links a:hover {
  color: #e5e7eb;
}

.contact-info p {
  margin: 0 0 4px;
  font-size: 13px;
  color: #9ca3af;
}

.footer-bottom {
  border-top: 1px solid rgba(55, 65, 81, 0.85);
  padding-top: 10px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 6px;
  font-size: 12px;
  color: #9ca3af;
}

/* =====================================================
   Floating Contact Chip
===================================================== */

.floating-chip {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 60;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 14px;
  border-radius: 999px;
  text-decoration: none;
  font-size: 13px;
  font-weight: 500;
  color: #ffffff;
  background: linear-gradient(135deg, var(--brand-yellow), var(--brand-red));
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.25);
  transition: transform 0.2s ease, box-shadow 0.2s ease, opacity 0.2s ease;
}

.floating-chip:hover {
  transform: translateY(-2px);
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.32);
}

.floating-chip-icon {
  font-size: 18px;
  line-height: 1;
}

.floating-chip-label {
  white-space: nowrap;
}

/* =====================================================
   Scroll Reveal
===================================================== */

.reveal-on-scroll {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.55s ease-out, transform 0.55s ease-out;
}

.reveal-on-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.stat-card.reveal-on-scroll {
  transition-duration: 0.45s;
}
.service-card.reveal-on-scroll {
  transition-duration: 0.55s;
}
.news-card.reveal-on-scroll,
.card.reveal-on-scroll {
  transition-duration: 0.65s;
}

/* =====================================================
   Key Animations
===================================================== */

@keyframes fadeUpSoft {
  from {
    opacity: 0;
    transform: translateY(12px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes floatSoft {
  0%,
  100% {
    transform: translateY(0px);
  }
  50% {
    transform: translateY(-6px);
  }
}

/* =====================================================
   Responsive
===================================================== */

@media (max-width: 960px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1fr);
  }

  .hero-right {
    max-width: 360px;
  }

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

  .service-grid,
  .news-grid,
  .footer-content {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 768px) {
  .nav-menu {
    position: fixed;
    inset: 58px 0 auto;
    left: 0;
    right: 0;
    background: #ffffff;
    border-bottom: 1px solid #e5e7eb;
    transform: translateY(-110%);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.2s ease, opacity 0.2s ease;
    padding: 10px 16px 12px;
  }

  .mobile-nav-open .nav-menu {
    transform: translateY(0%);
    opacity: 1;
    pointer-events: auto;
  }

  .mobile-menu-toggle {
    display: flex;
  }

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

  .dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    margin-top: 4px;
    padding-left: 2px;
    transform: none;
  }

  .mobile-nav-overlay {
    display: none;
  }

  .mobile-nav-open .mobile-nav-overlay {
    display: block;
  }

  .section-header {
    flex-direction: column;
    align-items: flex-start;
  }

  .cta-banner {
    flex-direction: column;
    align-items: flex-start;
  }

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

@media (max-width: 640px) {
  .nav-container {
    padding-inline: 12px;
  }

  .bank-name {
    font-size: 14px;
  }

  .hero {
    padding: var(--space-2xl) 0 var(--space-xl);
  }

  .hero-title {
    font-size: 22px;
  }

  .hero-subtitle {
    font-size: 13px;
  }

  .stats-grid,
  .service-grid,
  .news-grid,
  .footer-content {
    grid-template-columns: minmax(0, 1fr);
  }

  .floating-chip {
    right: 12px;
    bottom: 12px;
    padding: 8px 12px;
  }

  .floating-chip-label {
    display: none;
  }
}