/* ============================================
   HDFC-Style Bank Website - Complete Stylesheet
   ============================================ */

/* === ROOT VARIABLES === */
:root {
  --primary: #004B8D;
  --primary-dark: #002E5B;
  --secondary: #0B2154;
  --accent: #F2A100;
  --accent-hover: #E09400;
  --light: #F5F7FA;
  --lighter: #EEF2F7;
  --white: #FFFFFF;
  --dark: #1A1A2E;
  --text: #333333;
  --text-light: #666666;
  --border: #E0E6ED;
  --shadow: 0 4px 20px rgba(0,0,0,0.08);
  --shadow-hover: 0 12px 35px rgba(0,0,0,0.15);
  --radius: 12px;
  --transition: all 0.3s ease;
}

/* === RESET & GLOBAL === */
* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Ubuntu', 'Segoe UI', sans-serif;
  color: var(--text);
  overflow-x: hidden;
  background: var(--white);
}

a { text-decoration: none; transition: var(--transition); }
img { max-width: 100%; }

h1, h2, h3, h4, h5, h6 {
  font-family: 'Barlow', sans-serif;
  color: var(--secondary);
}

/* === SPINNER === */
#spinner {
  opacity: 0;
  visibility: hidden;
  transition: opacity .5s ease-out, visibility 0s linear .5s;
  z-index: 99999;
}
#spinner.show {
  transition: opacity .5s ease-out, visibility 0s linear 0s;
  visibility: visible;
  opacity: 1;
}

/* === BACK TO TOP === */
.back-to-top {
  position: fixed;
  display: none;
  right: 30px;
  bottom: 30px;
  z-index: 99;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  border: none;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(0,75,141,0.3);
}
.back-to-top:hover {
  background: var(--accent);
  color: #fff;
}


/* ============================================
   MAIN HEADER
   ============================================ */
.main-header {
  background: var(--white);
  padding: 12px 0;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
  position: relative;
  z-index: 100;
}

.bank-logo {
  height: 55px;
  border-radius: 6px;
}

.bank-name-text {
  font-size: 15px;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.3;
  max-width: 280px;
}

.bank-name-text small {
  font-size: 11px;
  font-weight: 400;
  color: var(--text-light);
  display: block;
}

.header-info-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text);
  font-size: 13px;
}

.header-info-item i {
  font-size: 22px;
  color: var(--primary);
}

.header-info-item strong {
  color: var(--primary);
  font-size: 13px;
}

.btn-netbanking {
  background: var(--primary);
  color: #fff;
  padding: 10px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  border: none;
  transition: var(--transition);
}

.btn-netbanking:hover {
  background: var(--accent);
  color: #fff;
  transform: translateY(-1px);
}

/* ============================================
   MAIN NAVIGATION
   ============================================ */
.main-nav {
  background: var(--primary);
  padding: 0;
  position: sticky;
  top: 0;
  z-index: 999;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

.main-nav .navbar-brand {
  display: none;
}

.main-nav .navbar-toggler {
  border-color: rgba(255,255,255,0.3);
  padding: 6px 10px;
}

.main-nav .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%28255,255,255,0.9%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

.main-nav .navbar-nav .nav-link {
  color: rgba(255,255,255,0.9) !important;
  font-weight: 500;
  font-size: 14px;
  padding: 16px 18px !important;
  letter-spacing: 0.3px;
  transition: var(--transition);
  position: relative;
}

.main-nav .navbar-nav .nav-link:hover,
.main-nav .navbar-nav .nav-link.active {
  color: var(--accent) !important;
  background: rgba(255,255,255,0.05);
}

.main-nav .navbar-nav .nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 18px;
  right: 18px;
  height: 3px;
  background: var(--accent);
  border-radius: 3px 3px 0 0;
}

.nav-right-btns .btn {
  font-size: 13px;
  padding: 8px 18px;
  font-weight: 500;
  border-radius: 5px;
}

@media (max-width: 991px) {
  .main-nav .navbar-brand {
    display: flex;
    align-items: center;
    gap: 8px;
  }
  .main-nav .navbar-brand img {
    height: 35px;
    border-radius: 4px;
  }
  .main-nav .navbar-brand span {
    color: #fff;
    font-size: 12px;
    font-weight: 600;
    max-width: 180px;
    line-height: 1.2;
  }
  .main-nav .navbar-nav .nav-link {
    padding: 12px 16px !important;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .main-nav .navbar-nav .nav-link.active::after {
    display: none;
  }
}

/* ============================================
   HERO CAROUSEL
   ============================================ */
.hero-carousel-section {
  position: relative;
}

#heroCarousel,
#heroCarousel .carousel-inner,
#heroCarousel .carousel-item {
  height: 560px;
}

#heroCarousel .carousel-item img {
  width: 100%;
  height: 560px;
  object-fit: cover;
}

.carousel-overlay {
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(135deg, rgba(0,30,70,0.75), rgba(0,20,50,0.55));
  display: flex;
  align-items: center;
  z-index: 1;
}

.hero-text h1 {
  font-size: 44px;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 16px;
}

.hero-text p {
  font-size: 17px;
  color: rgba(255,255,255,0.85);
  margin-bottom: 28px;
  max-width: 500px;
}

.hero-btn-primary {
  background: var(--accent);
  color: var(--dark);
  font-weight: 600;
  padding: 12px 30px;
  border-radius: 6px;
  border: none;
  font-size: 15px;
  transition: var(--transition);
}

.hero-btn-primary:hover {
  background: var(--accent-hover);
  color: var(--dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(242,161,0,0.3);
}

.hero-btn-secondary {
  background: transparent;
  color: #fff;
  font-weight: 600;
  padding: 12px 30px;
  border-radius: 6px;
  border: 2px solid rgba(255,255,255,0.5);
  font-size: 15px;
  transition: var(--transition);
}

.hero-btn-secondary:hover {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
}

/* Product Selector Box on Hero */
.product-selector-box {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 15px 40px rgba(0,0,0,0.25);
  max-width: 380px;
  margin-left: auto;
  position: relative;
  z-index: 2;
}

.selector-switch {
  display: flex;
  gap: 0;
  margin-bottom: 20px;
  background: var(--lighter);
  border-radius: 8px;
  padding: 4px;
}

.selector-switch label {
  flex: 1;
  text-align: center;
  padding: 10px 16px;
  cursor: pointer;
  font-weight: 600;
  font-size: 14px;
  color: var(--text-light);
  border-radius: 6px;
  transition: var(--transition);
}

.selector-switch input[type="radio"] {
  display: none;
}

.selector-switch input[type="radio"]:checked + span {
  background: var(--primary);
  color: #fff;
  border-radius: 6px;
  display: block;
  padding: 10px 16px;
  margin: -10px -16px;
  font-weight: 600;
  box-shadow: 0 2px 8px rgba(0,75,141,0.25);
}

.selector-tab {
  flex: 1;
  text-align: center;
  padding: 10px 16px;
  cursor: pointer;
  font-weight: 600;
  font-size: 14px;
  color: var(--text-light);
  border-radius: 6px;
  transition: var(--transition);
  border: none;
  background: transparent;
}

.selector-tab.active {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 2px 8px rgba(0,75,141,0.25);
}

.product-selector-box .form-select {
  height: 46px;
  font-size: 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  color: var(--text);
  margin-bottom: 14px;
  transition: var(--transition);
}

.product-selector-box .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(0,75,141,0.12);
}

.product-selector-box .btn-apply {
  background: var(--primary);
  color: #fff;
  border: none;
  padding: 11px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
}

.product-selector-box .btn-apply:hover {
  background: var(--primary-dark);
}

.product-selector-box .btn-know {
  background: var(--lighter);
  color: var(--primary);
  border: 1px solid var(--border);
  padding: 11px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
}

.product-selector-box .btn-know:hover {
  background: var(--primary);
  color: #fff;
}

/* Carousel Controls */
#heroCarousel .carousel-control-prev,
#heroCarousel .carousel-control-next {
  width: 8%;
  z-index: 3;
}

#heroCarousel .carousel-control-prev-icon,
#heroCarousel .carousel-control-next-icon {
  width: 44px;
  height: 44px;
  background-color: rgba(0,0,0,0.4);
  border-radius: 50%;
  background-size: 50%;
}

@media (max-width: 991px) {
  #heroCarousel, #heroCarousel .carousel-inner, #heroCarousel .carousel-item {
    height: auto;
    min-height: 500px;
  }
  #heroCarousel .carousel-item img {
    height: 100%;
    min-height: 500px;
  }
  .hero-text h1 { font-size: 30px; }
  .hero-text p { font-size: 15px; }
  .product-selector-box {
    max-width: 100%;
    margin: 20px auto 0;
  }
}

@media (max-width: 576px) {
  #heroCarousel, #heroCarousel .carousel-inner, #heroCarousel .carousel-item {
    min-height: 420px;
  }
  .hero-text h1 { font-size: 24px; }
  .product-selector-box { padding: 20px; }
}

/* ============================================
   BANKING SOLUTIONS TABS
   ============================================ */
.banking-solutions {
  padding: 70px 0;
  background: var(--white);
}

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

.section-heading h2 {
  font-size: 34px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 8px;
}

.section-heading p {
  color: var(--text-light);
  font-size: 16px;
}

.solutions-tabs {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 40px;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}

.solutions-tabs .sol-tab {
  padding: 12px 24px;
  cursor: pointer;
  color: var(--text-light);
  font-weight: 600;
  font-size: 14px;
  border: none;
  background: transparent;
  border-bottom: 3px solid transparent;
  transition: var(--transition);
  margin-bottom: -2px;
}

.solutions-tabs .sol-tab:hover {
  color: var(--primary);
}

.solutions-tabs .sol-tab.active {
  color: var(--primary);
  border-bottom: 3px solid var(--primary);
}

.solution-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  text-align: center;
  transition: var(--transition);
  height: 100%;
}

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

.solution-card .icon-wrap {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
  transition: var(--transition);
}

.solution-card:hover .icon-wrap {
  background: linear-gradient(135deg, var(--accent), #E09400);
  transform: scale(1.08);
}

.solution-card .icon-wrap i {
  color: #fff;
  font-size: 28px;
}

.solution-card h5 {
  font-weight: 600;
  color: var(--secondary);
  margin-bottom: 10px;
  font-size: 17px;
}

.solution-card p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 14px;
}

.solution-card .card-link {
  color: var(--primary);
  font-weight: 600;
  font-size: 14px;
}

.solution-card .card-link:hover {
  color: var(--accent);
}

/* ============================================
   ABOUT SECTION
   ============================================ */
.about-section {
  padding: 80px 0;
  background: var(--lighter);
}

.about-img-wrapper {
  position: relative;
  max-width: 450px;
  margin: auto;
}

.about-img-wrapper img {
  border-radius: var(--radius);
  box-shadow: var(--shadow-hover);
  width: 100%;
}

.about-badge-box {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  color: #fff;
  padding: 22px 30px;
  border-radius: 10px;
  text-align: center;
  box-shadow: 0 10px 30px rgba(0,75,141,0.35);
}

.about-badge-box .exp-num {
  font-size: 38px;
  font-weight: 700;
  line-height: 1;
}

.about-badge-box .exp-label {
  font-size: 12px;
  opacity: 0.9;
  line-height: 1.4;
}

.about-text h6 {
  color: var(--primary);
  font-weight: 600;
  text-transform: uppercase;
  font-size: 14px;
  letter-spacing: 1px;
  margin-bottom: 10px;
}

.about-text h2 {
  font-size: 30px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 20px;
  line-height: 1.3;
}

.about-text p {
  color: var(--text-light);
  line-height: 1.8;
  font-size: 15px;
  margin-bottom: 12px;
}

.btn-about {
  display: inline-block;
  background: var(--primary);
  color: #fff;
  padding: 12px 28px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  margin-top: 10px;
  transition: var(--transition);
  border: none;
}

.btn-about:hover {
  background: var(--accent);
  color: var(--dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(242,161,0,0.3);
}

.btn-about i { margin-left: 8px; }

/* ============================================
   VALUES SECTION
   ============================================ */
.value-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  box-shadow: var(--shadow);
  transition: var(--transition);
  height: 100%;
  border: 1px solid var(--border);
}

.value-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--primary);
}

.value-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  transition: var(--transition);
}

.value-card:hover .value-icon {
  background: linear-gradient(135deg, var(--accent), #E09400);
  transform: scale(1.08);
}

.value-icon i {
  color: #fff;
  font-size: 32px;
}

.value-card h4 {
  font-size: 20px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 16px;
}

.value-card p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.7;
}

/* Page Header */
.page-header {
  position: relative;
  overflow: hidden;
}

.page-header::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(0,0,0,0.1);
  z-index: 1;
}

.page-header .container {
  position: relative;
  z-index: 2;
}

/* ============================================
   DEPOSIT SECTION
   ============================================ */
.deposit-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: var(--transition);
  height: 100%;
  border: 1px solid var(--border);
}

.deposit-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--primary);
}

.deposit-header {
  background: linear-gradient(135deg, var(--primary), #0066CC);
  color: #fff;
  padding: 30px;
  display: flex;
  align-items: center;
  gap: 20px;
}

.deposit-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.deposit-icon i {
  font-size: 32px;
  color: #fff;
}

.deposit-title h3 {
  font-size: 24px;
  font-weight: 700;
  margin-bottom: 8px;
  color: #fff;
}

.deposit-title p {
  font-size: 14px;
  opacity: 0.9;
  margin: 0;
}

.deposit-content {
  padding: 30px;
}

.interest-rates {
  margin-bottom: 25px;
}

.interest-rates h5 {
  font-size: 16px;
  font-weight: 600;
  color: var(--secondary);
  margin-bottom: 15px;
}

.rate-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
}

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

.rate {
  font-weight: 700;
  color: var(--accent);
  font-size: 16px;
}

.deposit-features {
  list-style: none;
  padding: 0;
  margin: 0 0 25px 0;
}

.deposit-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 14px;
  color: var(--text);
}

.deposit-features li i {
  color: var(--primary);
  font-size: 12px;
}

.btn-apply {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: #fff;
  padding: 12px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: var(--transition);
  border: none;
}

.btn-apply:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-2px);
}

/* FAQ Section */
.accordion-item {
  border: 1px solid var(--border);
  border-radius: 8px !important;
  margin-bottom: 15px;
  overflow: hidden;
}

.accordion-button {
  background: var(--white);
  color: var(--secondary);
  font-weight: 600;
  font-size: 15px;
  padding: 20px;
  border: none;
}

.accordion-button:not(.collapsed) {
  background: var(--primary);
  color: #fff;
}

.accordion-button:focus {
  box-shadow: none;
  border: none;
}

.accordion-body {
  padding: 20px;
  font-size: 14px;
  line-height: 1.6;
  color: var(--text);
}

/* CTA Section */
.btn-hero-primary {
  background: var(--accent);
  color: var(--dark);
  font-weight: 600;
  padding: 14px 32px;
  border-radius: 8px;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
  border: none;
}

.btn-hero-primary:hover {
  background: var(--accent-hover);
  color: var(--dark);
  transform: translateY(-2px);
}

.btn-hero-outline {
  background: transparent;
  color: #fff;
  font-weight: 600;
  padding: 14px 32px;
  border-radius: 8px;
  border: 2px solid rgba(255,255,255,0.7);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: var(--transition);
}

.btn-hero-outline:hover {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
}

/* ============================================
   LOAN PAGE STYLES
   ============================================ */
.loan-hero-text h2 {
  font-size: 36px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 20px;
  line-height: 1.2;
}

.loan-hero-text p {
  font-size: 16px;
  color: var(--text-light);
  margin-bottom: 30px;
  line-height: 1.7;
}

.loan-highlights {
  margin-bottom: 30px;
}

.highlight-item {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 15px;
  font-size: 15px;
  color: var(--text);
}

.highlight-item i {
  color: var(--primary);
  font-size: 18px;
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px;
  height: 100%;
  transition: var(--transition);
  border: 1px solid var(--border);
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--primary);
}

.loan-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  transition: var(--transition);
}

.loan-card:hover .loan-icon {
  transform: scale(1.08);
}

.loan-icon i {
  color: #fff;
  font-size: 32px;
}

.loan-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.loan-rate {
  background: var(--lighter);
  padding: 15px;
  border-radius: 8px;
  margin-bottom: 20px;
  text-align: center;
}

.rate-label {
  font-size: 14px;
  color: var(--text-light);
  display: block;
  margin-bottom: 5px;
}

.rate-value {
  font-size: 24px;
  font-weight: 700;
  color: var(--accent);
}

.loan-features {
  list-style: none;
  padding: 0;
  margin: 0 0 25px 0;
}

.loan-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 14px;
  color: var(--text);
}

.loan-features li i {
  color: var(--primary);
  font-size: 12px;
}

.process-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  text-align: center;
  height: 100%;
  box-shadow: var(--shadow);
  transition: var(--transition);
  position: relative;
  border: 1px solid var(--border);
}

.process-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
}

.process-number {
  position: absolute;
  top: -15px;
  left: 50%;
  transform: translateX(-50%);
  width: 40px;
  height: 40px;
  background: var(--accent);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 18px;
}

.process-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 15px auto 20px;
}

.process-icon i {
  color: #fff;
  font-size: 32px;
}

.process-card h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.process-card p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
}

.loan-form-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-hover);
  border: 1px solid var(--border);
}

/* ============================================
   SERVICE PAGE STYLES
   ============================================ */
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 30px;
  height: 100%;
  transition: var(--transition);
  border: 1px solid var(--border);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--primary);
}

.service-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 25px;
  transition: var(--transition);
}

.service-card:hover .service-icon {
  transform: scale(1.08);
}

.service-icon i {
  color: #fff;
  font-size: 36px;
}

.service-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.service-card p {
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-features {
  list-style: none;
  padding: 0;
  margin: 0 0 25px 0;
}

.service-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 14px;
  color: var(--text);
}

.service-features li i {
  color: var(--primary);
  font-size: 12px;
}

.btn-service {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: #fff;
  padding: 12px 24px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: var(--transition);
  border: none;
}

.btn-service:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-2px);
}

.benefit-item {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  text-align: center;
  height: 100%;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid var(--border);
}

.benefit-item:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
}

.benefit-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.benefit-icon i {
  color: #fff;
  font-size: 32px;
}

.benefit-item h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.benefit-item p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
}

/* ============================================
   TEAM PAGE STYLES
   ============================================ */
.team-hero-text h2 {
  font-size: 36px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 20px;
  line-height: 1.2;
}

.team-hero-text p {
  font-size: 16px;
  color: var(--text-light);
  margin-bottom: 30px;
  line-height: 1.7;
}

.team-hero-img img {
  width: 100%;
  height: 400px;
  object-fit: cover;
  border-radius: 12px;
}

.team-stats {
  display: flex;
  gap: 30px;
  margin-bottom: 30px;
}

.stat-item {
  text-align: center;
}

.stat-item h3 {
  font-size: 32px;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 5px;
}

.stat-item p {
  font-size: 14px;
  color: var(--text-light);
  margin: 0;
}

.team-bio {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
  margin: 10px 0 15px 0;
}

.team-contact {
  display: flex;
  gap: 15px;
  justify-content: center;
}

.team-contact a {
  width: 36px;
  height: 36px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  transition: var(--transition);
}

.team-contact a:hover {
  background: var(--accent);
  transform: scale(1.1);
}

.value-item {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  text-align: center;
  height: 100%;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid var(--border);
}

.value-item:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
}

.value-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.value-icon i {
  color: #fff;
  font-size: 32px;
}

.value-item h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.value-item p {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
}

/* ============================================
   CONTACT PAGE STYLES
   ============================================ */
.contact-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px;
  height: 100%;
  box-shadow: var(--shadow);
  transition: var(--transition);
  border: 1px solid var(--border);
}

.contact-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
  border-color: var(--primary);
}

.contact-icon {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  transition: var(--transition);
}

.contact-card:hover .contact-icon {
  transform: scale(1.08);
}

.contact-icon i {
  color: #fff;
  font-size: 32px;
}

.contact-card h4 {
  font-size: 20px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 15px;
}

.contact-card p {
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
}

.contact-details {
  margin-bottom: 20px;
}

.contact-details p {
  font-size: 14px;
  color: var(--text);
  margin-bottom: 8px;
}

.contact-details strong {
  color: var(--secondary);
}

.contact-card address {
  font-size: 14px;
  color: var(--text);
  line-height: 1.6;
  margin-bottom: 20px;
  font-style: normal;
}

.btn-contact {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--primary);
  color: #fff;
  padding: 12px 20px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  transition: var(--transition);
  border: none;
}

.btn-contact:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-2px);
}

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-hover);
  border: 1px solid var(--border);
}

.map-container {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

/* Contact Form Enhancements */
.contact-form-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-hover);
  border: 1px solid var(--border);
}

.contact-form .form-control,
.contact-form .form-select {
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 14px;
  transition: var(--transition);
}

.contact-form .form-control:focus,
.contact-form .form-select:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 0.2rem rgba(0,75,141,0.25);
}

.contact-form .form-label {
  font-weight: 600;
  color: var(--secondary);
  margin-bottom: 8px;
}

.footer-newsletter {
  display: flex;
  gap: 8px;
}

.footer-newsletter input {
  flex: 1;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: 6px;
  font-size: 14px;
}

.footer-newsletter button {
  padding: 10px 20px;
  background: var(--primary);
  color: #fff;
  border: none;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.footer-newsletter button:hover {
  background: var(--primary-dark);
}

/* ============================================
   STATS SECTION
   ============================================ */
.stats-section {
  padding: 70px 0;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #fff;
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}

.stats-section::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -5%;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.02);
  border-radius: 50%;
}

.stats-section .container { position: relative; z-index: 2; }

.stats-section .stats-heading h2 {
  font-size: 36px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 8px;
}

.stats-section .stats-heading p {
  color: rgba(255,255,255,0.7);
  font-size: 16px;
}

.stat-box {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 30px 20px;
  text-align: center;
  transition: var(--transition);
}

.stat-box:hover {
  background: rgba(255,255,255,0.18);
  transform: translateY(-6px);
}

.stat-box h3 {
  font-size: 36px;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 6px;
}

.stat-box p {
  font-size: 14px;
  color: rgba(255,255,255,0.8);
  margin: 0;
}

/* ============================================
   DIGITAL SERVICES HERO
   ============================================ */
.digital-services-section {
  background: linear-gradient(to bottom, #FFC107, #F9A825);
  padding: 100px 0 180px;
  position: relative;
  overflow: hidden;
}

.digital-services-section::after {
  content: '';
  position: absolute;
  right: 5%;
  top: 15%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255,140,0,0.3) 20%, transparent 70%);
  border-radius: 50%;
}

.digital-hero-left h1 {
  font-size: 42px;
  font-weight: 700;
  color: var(--secondary);
  line-height: 1.2;
  margin-bottom: 24px;
}

.digital-search-box {
  display: flex;
  max-width: 440px;
  height: 52px;
  border-radius: 10px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 4px 15px rgba(0,0,0,0.1);
}

.digital-search-box input {
  flex: 1;
  border: none;
  padding: 0 18px;
  font-size: 14px;
  outline: none;
}

.digital-search-box button {
  width: 56px;
  border: none;
  background: var(--lighter);
  cursor: pointer;
  font-size: 18px;
  color: var(--primary);
  transition: var(--transition);
}

.digital-search-box button:hover {
  background: var(--primary);
  color: #fff;
}

.digital-hero-right {
  position: relative;
}

.hero-visual {
  position: relative;
  width: 380px;
  height: 380px;
  margin-left: auto;
}

.hero-visual .bg-ring {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: contain;
  animation: pulseRing 4s infinite ease-in-out;
}

.hero-visual .headphone {
  position: absolute;
  top: 40px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  max-height: 280px;
  animation: floatHead 3s infinite ease-in-out;
}

/* Service Cards below hero */
.digital-cards-section {
  margin-top: -120px;
  position: relative;
  z-index: 5;
  padding-bottom: 60px;
}

.digital-card {
  background: #FFF8E7;
  padding: 24px;
  border-radius: var(--radius);
  height: 100%;
  box-shadow: 0 4px 15px rgba(0,0,0,0.08);
  transition: var(--transition);
  border-left: 4px solid var(--accent);
}

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

.digital-card h5 {
  font-size: 18px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}

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

.digital-card ul li {
  font-size: 14px;
  margin-bottom: 10px;
  padding-left: 16px;
  position: relative;
}

.digital-card ul li::before {
  content: '›';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: bold;
  font-size: 16px;
}

.digital-card ul li a {
  color: var(--text);
  transition: var(--transition);
}

.digital-card ul li a:hover {
  color: var(--primary);
}

.view-more-link {
  display: inline-block;
  margin-top: 10px;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
}

.view-more-link:hover { color: var(--accent); }
.view-more-link::after { content: ' ›'; }

@keyframes floatHead {
  0%   { transform: translate(-50%, 0); }
  50%  { transform: translate(-50%, -15px); }
  100% { transform: translate(-50%, 0); }
}

@keyframes pulseRing {
  0%   { transform: scale(1); }
  50%  { transform: scale(1.04); }
  100% { transform: scale(1); }
}

@media (max-width: 991px) {
  .digital-hero-left h1 { font-size: 32px; text-align: center; }
  .digital-search-box { margin: 0 auto; }
  .hero-visual { width: 280px; height: 280px; margin: 30px auto; }
}

/* ============================================
   EMI CALCULATOR
   ============================================ */
.emi-section {
  background: var(--lighter);
  padding: 70px 0;
}

.emi-section .section-heading {
  margin-bottom: 30px;
}

.emi-tabs {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 6px;
  border-bottom: 2px solid var(--border);
  margin-bottom: 35px;
  padding-bottom: 0;
}

.emi-tab {
  padding: 12px 22px;
  cursor: pointer;
  color: var(--text-light);
  font-weight: 600;
  font-size: 14px;
  border-bottom: 3px solid transparent;
  transition: var(--transition);
  margin-bottom: -2px;
  background: none;
  border-top: none;
  border-left: none;
  border-right: none;
}

.emi-tab:hover { color: var(--primary); }

.emi-tab.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
}

.emi-wrapper {
  display: flex;
  gap: 35px;
  flex-wrap: wrap;
}

.emi-left, .emi-right { flex: 1; min-width: 300px; }

.emi-card {
  background: var(--white);
  padding: 28px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.emi-group { margin-bottom: 25px; }

.emi-group .top {
  display: flex;
  justify-content: space-between;
  margin-bottom: 10px;
  font-size: 14px;
  font-weight: 500;
}

.emi-group .top span:last-child {
  color: var(--primary);
  font-weight: 700;
}

.range-text {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--text-light);
  margin-top: 4px;
}

input[type=range] {
  width: 100%;
  height: 6px;
  background: linear-gradient(to right, var(--primary) 50%, #D6E0EA 50%);
  border-radius: 10px;
  -webkit-appearance: none;
  appearance: none;
  outline: none;
}

input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  background: var(--primary);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,75,141,0.3);
}

.emi-result {
  background: linear-gradient(135deg, var(--primary), #0066CC);
  padding: 28px;
  border-radius: var(--radius);
  text-align: center;
  color: #fff;
  margin-bottom: 20px;
}

.emi-result p { margin-bottom: 6px; opacity: 0.9; }

.emi-result h2 {
  color: #fff;
  font-size: 36px;
  font-weight: 700;
}

.emi-details {
  margin-bottom: 20px;
}

.emi-details p {
  display: flex;
  justify-content: space-between;
  margin: 12px 0;
  font-size: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.emi-details p span {
  font-weight: 700;
  color: var(--primary);
}

.emi-btns {
  display: flex;
  gap: 12px;
}

.emi-btns .apply {
  flex: 1;
  background: var(--primary);
  color: #fff;
  padding: 12px;
  border: none;
  border-radius: 6px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.emi-btns .apply:hover { background: var(--primary-dark); }

.emi-btns .know {
  flex: 1;
  border: 2px solid var(--primary);
  background: #fff;
  color: var(--primary);
  border-radius: 6px;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.emi-btns .know:hover {
  background: var(--primary);
  color: #fff;
}

/* ============================================
   TEAM SECTION
   ============================================ */
.team-section {
  padding: 70px 0;
  background: var(--white);
}

.team-card {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  transition: var(--transition);
  background: var(--white);
}

.team-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-hover);
}

.team-card .team-img {
  position: relative;
  overflow: hidden;
}

.team-card .team-img img {
  width: 100%;
  height: 250px;
  object-fit: cover;
  transition: var(--transition);
  display: block;
}

.team-card:hover .team-img img {
  transform: scale(1.05);
}

.team-card .team-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,75,141,0.85);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  opacity: 0;
  transition: var(--transition);
}

/* Ensure team images are visible */
.team-card .team-img {
  position: relative;
  min-height: 250px;
  background: var(--lighter);
}

.team-card .team-img img {
  display: block !important;
  visibility: visible !important;
  opacity: 1 !important;
}

.team-card:hover .team-overlay { opacity: 1; }

.team-card .team-overlay a {
  width: 38px;
  height: 38px;
  background: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 14px;
  transition: var(--transition);
}

.team-card .team-overlay a:hover {
  background: var(--accent);
  color: #fff;
}

.team-card .team-info {
  padding: 20px;
  text-align: center;
}

.team-card .team-info h5 {
  font-weight: 700;
  margin-bottom: 4px;
  font-size: 17px;
}

.team-card .team-info small {
  color: var(--text-light);
  font-size: 13px;
}

/* ============================================
   TESTIMONIAL SECTION
   ============================================ */
.testimonial-section {
  padding: 70px 0;
  background: var(--lighter);
}

.testimonial-carousel .owl-item .testimonial-text,
.testimonial-carousel .owl-item.center .testimonial-text * {
  transition: .5s;
}

.testimonial-carousel .owl-item.center .testimonial-text {
  background: var(--primary) !important;
}

.testimonial-carousel .owl-item.center .testimonial-text * {
  color: #fff !important;
}

.testimonial-carousel .owl-dots {
  margin-top: 24px;
  display: flex;
  align-items: flex-end;
  justify-content: center;
}

.testimonial-carousel .owl-dot {
  position: relative;
  display: inline-block;
  margin: 0 5px;
  width: 12px;
  height: 12px;
  border: 2px solid var(--border);
  border-radius: 50%;
  transition: .5s;
}

.testimonial-carousel .owl-dot.active {
  background: var(--primary);
  border-color: var(--primary);
}

.testimonial-text {
  background: var(--white);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}

/* ============================================
   CONTACT / REACH US
   ============================================ */
.reach-section {
  padding: 60px 0;
  background: var(--white);
}

.reach-card {
  text-align: center;
  padding: 30px 20px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
  height: 100%;
}

.reach-card:hover {
  border-color: var(--primary);
  box-shadow: var(--shadow);
  transform: translateY(-4px);
}

.reach-card .reach-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary), #0066CC);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.reach-card .reach-icon i {
  color: #fff;
  font-size: 22px;
}

.reach-card h5 {
  font-weight: 600;
  margin-bottom: 6px;
}

.reach-card p {
  color: var(--text-light);
  font-size: 14px;
  margin: 0;
}

.reach-card a {
  color: var(--primary);
  font-weight: 600;
}

/* ============================================
   FOOTER
   ============================================ */
.site-footer {
  background: var(--secondary);
  color: rgba(255,255,255,0.8);
  padding-top: 60px;
}

.footer-top {
  padding-bottom: 40px;
}

.site-footer h4 {
  color: #fff;
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 10px;
}

.site-footer h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 40px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
}

.site-footer p {
  font-size: 14px;
  line-height: 1.8;
  color: rgba(255,255,255,0.7);
}

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

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

.footer-links li a {
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  transition: var(--transition);
  padding-left: 16px;
  position: relative;
}

.footer-links li a::before {
  content: '›';
  position: absolute;
  left: 0;
  font-weight: 700;
  color: var(--accent);
}

.footer-links li a:hover {
  color: var(--accent);
  padding-left: 20px;
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 14px;
  color: rgba(255,255,255,0.7);
}

.footer-contact li i {
  color: var(--accent);
  margin-top: 3px;
  font-size: 16px;
}

.footer-social {
  display: flex;
  gap: 10px;
  margin-top: 16px;
}

.footer-social a {
  width: 38px;
  height: 38px;
  border: 1px solid rgba(255,255,255,0.3);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 14px;
  transition: var(--transition);
}

.footer-social a:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}

.footer-newsletter {
  position: relative;
  max-width: 100%;
}

.footer-newsletter input {
  width: 100%;
  padding: 14px 18px;
  padding-right: 110px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  color: #fff;
  font-size: 14px;
  outline: none;
}

.footer-newsletter input::placeholder {
  color: rgba(255,255,255,0.5);
}

.footer-newsletter button {
  position: absolute;
  right: 5px;
  top: 5px;
  bottom: 5px;
  background: var(--accent);
  color: var(--dark);
  border: none;
  padding: 0 20px;
  border-radius: 6px;
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  transition: var(--transition);
}

.footer-newsletter button:hover {
  background: #E09400;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
  font-size: 13px;
}

.footer-bottom a {
  color: rgba(255,255,255,0.7);
}

.footer-bottom a:hover {
  color: var(--accent);
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
  justify-content: flex-end;
}

.footer-bottom-links a {
  color: rgba(255,255,255,0.6);
  font-size: 13px;
}

@media (max-width: 768px) {
  .footer-bottom-links {
    justify-content: center;
    margin-top: 10px;
  }
}

/* ============================================
   UTILITY / ANIMATIONS
   ============================================ */
.fw-medium { font-weight: 600 !important; }

.btn {
  font-weight: 500;
  transition: var(--transition);
}

.btn-primary {
  background: var(--primary) !important;
  border-color: var(--primary) !important;
}
.btn-primary:hover {
  background: var(--accent) !important;
  border-color: var(--accent) !important;
}

/* QR code in header */
.header-qr {
  height: 55px;
  border-radius: 6px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.1);
}

/* Responsive helpers */
@media (max-width: 991px) {
  .main-header .d-lg-flex { text-align: center; }
  .top-segment-bar .nav-pills { justify-content: center; }
}

@media (max-width: 768px) {
  .banking-solutions { padding: 50px 0; }
  .section-heading h2 { font-size: 26px; }
  .stats-section { padding: 50px 0; }
  .digital-services-section { padding: 60px 0 140px; }
}