/* ============================================================
   FARGOSCAPITAL — Main Stylesheet
   ============================================================ */

/* ---------- CSS Variables ---------- */
:root {
  --navy:        #1a3a5c;
  --navy-dark:   #0f2340;
  --navy-mid:    #1e4470;
  --gold:        #c9a84c;
  --gold-light:  #e2c472;
  --gold-dark:   #a8872e;
  --white:       #ffffff;
  --off-white:   #f8f7f4;
  --light-gray:  #f0eff0;
  --mid-gray:    #d1d5db;
  --text-dark:   #0f1b2d;
  --text-body:   #374151;
  --text-muted:  #6b7280;

  --font-serif:  'Playfair Display', Georgia, serif;
  --font-sans:   'Inter', system-ui, sans-serif;

  --radius-sm:   6px;
  --radius-md:   12px;
  --radius-lg:   20px;
  --shadow-sm:   0 1px 4px rgba(0,0,0,0.08);
  --shadow-md:   0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg:   0 12px 40px rgba(0,0,0,0.14);

  --transition:  0.25s ease;
  --max-width:   1200px;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-sans);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; text-decoration: none; transition: color var(--transition); }

ul { list-style: none; }

/* ---------- Utility ---------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 90px 0; }
.section--dark  { background: var(--navy-dark); }
.section--light { background: var(--off-white); }

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

.section__eyebrow {
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.section__eyebrow--light { color: var(--gold-light); }

.section__title {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section__title--light { color: var(--white); }

.section__subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 580px;
  margin: 0 auto;
}
.section__subtitle--light { color: rgba(255,255,255,0.7); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn--primary:hover { background: var(--navy-mid); border-color: var(--navy-mid); }

.btn--gold {
  background: var(--gold);
  color: var(--navy-dark);
  border-color: var(--gold);
}
.btn--gold:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(201,168,76,0.4); }

.btn--outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn--outline:hover { background: var(--navy); color: var(--white); }

.btn--outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--mid-gray);
}
.btn--outline-dark:hover { border-color: var(--navy); }

.btn--ghost {
  background: rgba(255,255,255,0.12);
  color: var(--white);
  border-color: rgba(255,255,255,0.35);
  backdrop-filter: blur(4px);
}
.btn--ghost:hover { background: rgba(255,255,255,0.22); border-color: rgba(255,255,255,0.6); }

.btn--lg { padding: 15px 32px; font-size: 1rem; }

/* ============================================================
   TOPBAR
   ============================================================ */
.topbar {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.65);
  font-size: 0.78rem;
  letter-spacing: 0.02em;
  padding: 8px 0;
}

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

.topbar__links {
  display: flex;
  align-items: center;
  gap: 20px;
}

.topbar__links a { color: rgba(255,255,255,0.65); }
.topbar__links a:hover { color: var(--gold); }

.topbar__signin {
  background: var(--gold);
  color: var(--navy-dark) !important;
  font-weight: 600;
  padding: 4px 14px;
  border-radius: 4px;
}
.topbar__signin:hover { background: var(--gold-light); }

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--white);
  border-bottom: 1px solid var(--light-gray);
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition);
}

.navbar.scrolled { box-shadow: var(--shadow-md); }

.navbar__inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 70px;
}

.navbar__brand {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

.navbar__logo svg { width: 38px; height: 38px; }

.navbar__name {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.navbar__name-top {
  font-family: var(--font-serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-dark);
  letter-spacing: 0.01em;
}
.navbar__name-bottom {
  font-family: var(--font-sans);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold-dark);
}

.navbar__nav {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
}

.nav-link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-body);
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  transition: all var(--transition);
}
.nav-link:hover { color: var(--navy); background: var(--off-white); }
.nav-link.active { color: var(--navy); font-weight: 600; }

.navbar__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-left: auto;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy-dark);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: 620px;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-mid) 60%, #2a5a8c 100%);
  padding: 100px 0 80px;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 70%),
    url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero__content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.hero__eyebrow {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}

.hero__title {
  font-family: var(--font-serif);
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 700;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 22px;
}
.hero__title em {
  font-style: normal;
  color: var(--gold);
}

.hero__subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  max-width: 540px;
  margin-bottom: 36px;
  line-height: 1.7;
}

.hero__cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 60px;
}

/* Stats bar */
.hero__stats {
  display: flex;
  align-items: center;
  gap: 0;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 32px;
}

.stat {
  display: flex;
  flex-direction: column;
  padding: 0 32px 0 0;
}
.stat:first-child { padding-left: 0; }

.stat__value {
  font-family: var(--font-serif);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.stat__label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.55);
  margin-top: 4px;
  white-space: nowrap;
}

.stat__divider {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.15);
  margin: 0 32px 0 0;
  flex-shrink: 0;
}

/* ============================================================
   QUICK ACCESS
   ============================================================ */
.quick-access {
  background: var(--white);
  padding: 0;
  position: relative;
  z-index: 2;
  margin-top: -1px;
}

.quick-access__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 3px solid var(--gold);
  box-shadow: var(--shadow-lg);
}

.quick-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 22px 20px;
  border-right: 1px solid var(--light-gray);
  transition: background var(--transition);
  cursor: pointer;
}
.quick-card:last-child { border-right: none; }
.quick-card:hover { background: var(--off-white); }
.quick-card:hover .quick-card__arrow { transform: translateX(4px); }

.quick-card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--navy);
  transition: background var(--transition);
}
.quick-card:hover .quick-card__icon { background: var(--navy); color: var(--white); }
.quick-card__icon svg { width: 20px; height: 20px; }

.quick-card h3 {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 2px;
}
.quick-card p {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.3;
}

.quick-card__arrow {
  width: 18px;
  height: 18px;
  color: var(--mid-gray);
  margin-left: auto;
  flex-shrink: 0;
  transition: transform var(--transition);
}

/* ============================================================
   FEATURES
   ============================================================ */
.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all var(--transition);
}
.feature-card:hover {
  border-color: var(--mid-gray);
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
}

.feature-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.feature-card__icon svg { width: 24px; height: 24px; }

.feature-card__icon--blue { background: rgba(26,58,92,0.08); color: var(--navy); }
.feature-card__icon--gold { background: rgba(201,168,76,0.12); color: var(--gold-dark); }

.feature-card h3 {
  font-family: var(--font-serif);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 10px;
}
.feature-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.65; }

/* ============================================================
   ACCOUNTS PROMO
   ============================================================ */
.accounts-promo__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.accounts-promo__text .section__header { text-align: left; margin-bottom: 28px; }

.accounts-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-top: 24px;
}
.accounts-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  color: rgba(255,255,255,0.85);
}

.check-icon {
  width: 22px;
  height: 22px;
  background: rgba(201,168,76,0.2);
  border: 1px solid var(--gold);
  color: var(--gold);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 0.72rem;
  flex-shrink: 0;
}

/* Bank Card Visual */
.accounts-promo__visual {
  display: flex;
  flex-direction: column;
  gap: 20px;
  align-items: center;
}

.bank-card {
  width: 340px;
  height: 210px;
  border-radius: 18px;
  background: linear-gradient(135deg, #1e4470 0%, #0f2340 100%);
  padding: 24px 28px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  position: relative;
  overflow: hidden;
}

.bank-card::before {
  content: '';
  position: absolute;
  top: -60px;
  right: -60px;
  width: 200px;
  height: 200px;
  border-radius: 50%;
  background: rgba(201,168,76,0.06);
  border: 40px solid rgba(201,168,76,0.08);
}

.bank-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.bank-card__bank {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.8);
}

.bank-card__chip {
  width: 38px;
  height: 28px;
  background: linear-gradient(135deg, #d4aa50 0%, #f0cb70 50%, #c09030 100%);
  border-radius: 5px;
  position: relative;
}
.bank-card__chip::after {
  content: '';
  position: absolute;
  inset: 5px;
  border: 1px solid rgba(0,0,0,0.2);
  border-radius: 3px;
}

.bank-card__number {
  font-size: 1.05rem;
  letter-spacing: 0.18em;
  color: var(--white);
  font-family: monospace;
}

.bank-card__bottom {
  display: flex;
  align-items: flex-end;
  gap: 20px;
}
.bank-card__label {
  font-size: 0.6rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 2px;
}
.bank-card__value {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--white);
  letter-spacing: 0.05em;
}
.bank-card__network {
  margin-left: auto;
  font-size: 1.2rem;
  font-weight: 800;
  font-style: italic;
  color: rgba(255,255,255,0.85);
  letter-spacing: -0.02em;
}

/* Balance Widget */
.balance-widget {
  width: 340px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  backdrop-filter: blur(10px);
}
.balance-widget__label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.balance-widget__amount {
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.01em;
}
.balance-widget__sub {
  font-size: 0.8rem;
  color: var(--gold);
  margin-top: 4px;
}

/* ============================================================
   RATES
   ============================================================ */
.rates__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 24px;
}

.rate-card {
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  text-align: center;
  background: var(--white);
  position: relative;
  transition: all var(--transition);
}
.rate-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.rate-card--featured {
  border-color: var(--gold);
  box-shadow: 0 0 0 1px var(--gold), var(--shadow-md);
}

.rate-card__badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--navy-dark);
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 14px;
  border-radius: 20px;
  white-space: nowrap;
}

.rate-card h4 {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.rate-card__rate {
  font-family: var(--font-serif);
  font-size: 2.8rem;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 8px;
}
.rate-card__rate span {
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-muted);
}

.rate-card p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 22px;
  line-height: 1.4;
}

.rates__disclaimer {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-align: center;
  line-height: 1.6;
  max-width: 720px;
  margin: 0 auto;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.testimonial-card__stars {
  color: var(--gold);
  font-size: 1rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.testimonial-card__body {
  font-size: 0.92rem;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.testimonial-card__name {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-dark);
}
.testimonial-card__role {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 2px;
}

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -80px;
  right: -80px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: rgba(201,168,76,0.07);
  border: 60px solid rgba(201,168,76,0.05);
}

.cta-banner__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-banner h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 8px;
}
.cta-banner p {
  font-size: 1rem;
  color: rgba(255,255,255,0.65);
}
.cta-banner__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ============================================================
   FOOTER
   ============================================================ */
.footer {
  background: var(--text-dark);
  color: rgba(255,255,255,0.6);
  padding: 64px 0 0;
}

.footer__top {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 60px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer__brand { display: flex; flex-direction: column; }

.footer__tagline {
  font-size: 0.82rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 4px 0 12px;
}

.footer__fdic {
  font-size: 0.73rem;
  color: rgba(255,255,255,0.35);
  line-height: 1.6;
}

.footer__links {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}

.footer__col h5 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 18px;
}

.footer__col a {
  display: block;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 10px;
  transition: color var(--transition);
}
.footer__col a:hover { color: var(--gold); }

.footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 0;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.3);
  flex-wrap: wrap;
  gap: 12px;
}

.footer__legal-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.footer__legal-links a {
  color: rgba(255,255,255,0.3);
  transition: color var(--transition);
}
.footer__legal-links a:hover { color: rgba(255,255,255,0.6); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .features__grid        { grid-template-columns: repeat(2, 1fr); }
  .rates__grid           { grid-template-columns: repeat(2, 1fr); }
  .accounts-promo__inner { grid-template-columns: 1fr; gap: 48px; }
  .accounts-promo__visual { flex-direction: row; justify-content: center; flex-wrap: wrap; }
  .footer__top           { grid-template-columns: 1fr; gap: 40px; }
  .footer__links         { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .topbar { display: none; }

  .navbar__nav     { display: none; }
  .navbar__actions { display: none; }
  .hamburger       { display: flex; }

  /* Mobile nav open state */
  .navbar__nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 70px;
    left: 0;
    right: 0;
    background: var(--white);
    border-top: 1px solid var(--light-gray);
    border-bottom: 1px solid var(--light-gray);
    padding: 16px 24px;
    gap: 4px;
    box-shadow: var(--shadow-lg);
    z-index: 999;
  }
  .navbar__nav.open + .navbar__actions {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: calc(70px + 260px);
    left: 0;
    right: 0;
    padding: 0 24px 16px;
    background: var(--white);
    border-bottom: 1px solid var(--light-gray);
    box-shadow: var(--shadow-lg);
    z-index: 999;
  }

  .quick-access__grid    { grid-template-columns: repeat(2, 1fr); }
  .quick-card            { border-right: none; border-bottom: 1px solid var(--light-gray); }

  .hero { padding: 80px 0 60px; }
  .hero__stats { gap: 24px; }
  .stat__divider { display: none; }
  .stat { padding: 0; }

  .features__grid        { grid-template-columns: 1fr; }
  .testimonials__grid    { grid-template-columns: 1fr; }
  .rates__grid           { grid-template-columns: 1fr; }

  .bank-card, .balance-widget { width: 100%; max-width: 340px; }

  .cta-banner__inner     { flex-direction: column; text-align: center; }
  .cta-banner__actions   { justify-content: center; }

  .footer__links         { grid-template-columns: repeat(2, 1fr); }
  .footer__bottom        { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .quick-access__grid { grid-template-columns: 1fr; }
  .hero__cta          { flex-direction: column; }
  .hero__cta .btn     { width: 100%; justify-content: center; }
  .footer__links      { grid-template-columns: 1fr; }
  .section            { padding: 60px 0; }
}