/* =========================================================
   Nri Microfinance Bank — Design System
   Palette: the bank's own brand colours (green / black / white)
   Type: Zilla Slab (headlines, ledger/stamp character) +
         Work Sans (body, plain and legible)
   ========================================================= */

:root {
  --green-900: #0B3B22;
  --green-800: #0F4E2C;
  --green-700: #157A3F;   /* brand green, matches the logo */
  --green-600: #1E8F49;
  --green-100: #E6F1E9;
  --green-50:  #F3F8F4;

  --ink:       #17140F;   /* warm near-black, matches logo black */
  --ink-soft:  #4A473F;
  --line:      #DEDBD2;

  --paper:     #FFFFFF;
  --paper-tint:#FAFAF7;

  --clay:      #B4472A;   /* used only for error/alert states */

  --radius-sm: 4px;
  --radius-md: 10px;

  --shadow-card: 0 1px 2px rgba(23,20,15,.06), 0 8px 24px -12px rgba(23,20,15,.18);

  --maxw: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Work Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: "Zilla Slab", Georgia, serif;
  font-weight: 600;
  line-height: 1.15;
  margin: 0 0 .5em;
  color: var(--ink);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.1rem, 4vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: 1.3rem; }

p { margin: 0 0 1em; max-width: 62ch; }
p.lede { font-size: 1.15rem; color: var(--ink-soft); }

a { color: var(--green-700); text-decoration: none; }
a:hover { text-decoration: underline; }

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

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

/* Visible keyboard focus (accessibility floor) */
a:focus-visible, button:focus-visible, input:focus-visible,
textarea:focus-visible, select:focus-visible {
  outline: 3px solid var(--green-600);
  outline-offset: 2px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5em;
  padding: .85em 1.5em;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: .98rem;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background-color .15s ease, color .15s ease, border-color .15s ease, transform .1s ease;
}
.btn:hover { text-decoration: none; }
.btn:active { transform: translateY(1px); }

.btn-primary { background: var(--green-700); color: #fff; }
.btn-primary:hover { background: var(--green-800); }

.btn-outline { background: transparent; color: var(--paper); border-color: rgba(255,255,255,.55); }
.btn-outline:hover { background: rgba(255,255,255,.12); }

.btn-ink { background: var(--ink); color: #fff; }
.btn-ink:hover { background: #000; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.nav-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
  max-width: var(--maxw);
  margin: 0 auto;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: .65em;
  font-family: "Zilla Slab", serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink);
}
.brand img { height: 40px; width: auto; border-radius: 3px; }
.brand small { display: block; font-family: "Work Sans", sans-serif; font-weight: 500; font-size: .68rem; color: var(--ink-soft); letter-spacing: .02em; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links > li { position: relative; }
.nav-links a.nav-link {
  display: block;
  padding: .6em .8em;
  color: var(--ink);
  font-weight: 500;
  border-radius: var(--radius-sm);
}
.nav-links a.nav-link:hover { background: var(--green-50); text-decoration: none; }
.nav-links a.nav-link.active { color: var(--green-700); }

.has-dropdown > .nav-link::after {
  content: "";
  display: inline-block;
  width: 6px; height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg);
  margin-left: 7px;
  position: relative;
  top: -2px;
}
.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 230px;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(4px);
  transition: opacity .12s ease, transform .12s ease, visibility .12s ease;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: .55em .7em;
  border-radius: 6px;
  color: var(--ink);
  font-size: .93rem;
}
.dropdown a:hover { background: var(--green-50); color: var(--green-700); text-decoration: none; }

.nav-cta { display: flex; align-items: center; gap: 10px; }
.nav-cta .btn { padding: .6em 1.1em; font-size: .92rem; }

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle svg { display: block; }

@media (max-width: 880px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute;
    top: 100%;
    left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 10px 24px 18px;
    display: none;
    gap: 2px;
  }
  .nav-links.open { display: flex; }
  .dropdown { position: static; box-shadow: none; border: none; opacity: 1; visibility: visible; transform: none; display: none; padding-left: 10px; }
  .has-dropdown.open .dropdown { display: block; }
  .has-dropdown > .nav-link::after { float: right; margin-top: 8px; }
  .nav-cta { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, #176b34 0%, #247d3d 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.hero-grid {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 72px 24px 0;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 48px;
  align-items: end;
}
.hero-copy .eyebrow-line {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #d8f1df;
  font-weight: 600;
  font-size: .9rem;
  margin-bottom: 18px;
}
.hero-copy .eyebrow-line::before {
  content: "";
  width: 34px; height: 2px;
  background: var(--green-600);
}
.hero h1 { color: #fff; }
.hero-copy p.lede { color: #D9DBD4; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

.hero-photo {
  position: relative;
  align-self: end;
}
.hero-photo img {
  border-radius: var(--radius-md) var(--radius-md) 0 0;
  aspect-ratio: 4/3.1;
  object-fit: cover;
  object-position: top;
}
.hero-photo figcaption {
  font-size: .82rem;
  color: #A9AC9F;
  padding-top: 8px;
}

/* Ledger strip: credentials as a factual row, not decorative cards */
.ledger-strip {
  border-top: 1px solid rgba(255,255,255,.14);
  margin-top: 56px;
}
.ledger-strip .container {
  display: flex;
  flex-wrap: wrap;
}
.ledger-item {
  flex: 1 1 220px;
  padding: 20px 24px 20px 0;
  border-right: 1px solid rgba(255,255,255,.14);
  margin-right: 24px;
}
.ledger-item:last-child { border-right: none; }
.ledger-item .num { font-family: "Zilla Slab", serif; font-size: 1.5rem; color: #fff; display: block; }
.ledger-item .label { font-size: .82rem; color: #A9AC9F; }

@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; padding-top: 40px; }
  .hero-photo { order: -1; }
  .ledger-item { flex: 1 1 45%; border-right: none; padding-right: 12px; }
}

/* ---------- Sections ---------- */
section { padding: 76px 0; }
.section-tight { padding: 52px 0; }
.section-tint { background: var(--green-50); }
.section-ink { background: var(--ink); color: #fff; }
.section-ink h2 { color: #fff; }
.section-ink p { color: #D9DBD4; }

.section-head { max-width: 640px; margin-bottom: 40px; }
.section-head .kicker {
  display: block;
  color: var(--green-700);
  font-weight: 600;
  font-size: .88rem;
  margin-bottom: 10px;
}
.section-ink .section-head .kicker { color: var(--green-500, #2FA35C); }

/* ---------- Cards / grids ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 22px; }
@media (max-width: 880px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 26px;
  background: var(--paper);
}
.product-card h3 { margin-bottom: .35em; }
.product-card p { font-size: .95rem; color: var(--ink-soft); margin-bottom: 0; }
.product-card .tag {
  display: inline-block;
  font-size: .74rem;
  font-weight: 600;
  color: var(--green-700);
  background: var(--green-100);
  padding: .25em .7em;
  border-radius: 20px;
  margin-bottom: 14px;
}

/* Testimonial / customer spotlight */
.spotlight-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}
@media (max-width: 880px) { .spotlight-strip { grid-template-columns: repeat(2, 1fr); } }
.spotlight-card {
  border-radius: var(--radius-md);
  overflow: hidden;
  background: var(--paper);
  border: 1px solid var(--line);
}
.spotlight-card img { aspect-ratio: 4/3; object-fit: cover; }
.spotlight-card .cap { padding: 12px 14px; font-size: .85rem; color: var(--ink-soft); }

/* Team */
.team-card { text-align: left; }
.team-card img {
  width: 100%;
  aspect-ratio: 3/3.4;
  object-fit: cover;
  object-position: top;
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  background: var(--green-100);
}
.team-card h3 { margin-bottom: 2px; font-size: 1.12rem; }
.team-card .role { color: var(--green-700); font-weight: 600; font-size: .88rem; margin-bottom: 10px; display: block; }
.team-card p { font-size: .92rem; color: var(--ink-soft); }

/* Tabs (products page) */
.tabs { display: flex; gap: 8px; border-bottom: 1px solid var(--line); margin-bottom: 32px; flex-wrap: wrap; }
.tab-btn {
  background: none; border: none; cursor: pointer;
  padding: 12px 4px; margin-right: 24px;
  font-family: "Zilla Slab", serif; font-size: 1.05rem; font-weight: 600;
  color: var(--ink-soft);
  border-bottom: 2.5px solid transparent;
  position: relative; top: 1px;
}
.tab-btn.active { color: var(--ink); border-bottom-color: var(--green-700); }
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* Comparison-style list (deposits/loans quick facts) */
.fact-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 16px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}
.fact-row:last-child { border-bottom: none; }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
@media (max-width: 700px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 18px; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .9rem; }
.field .hint { font-size: .8rem; color: var(--ink-soft); font-weight: 400; }
input, textarea, select {
  font-family: inherit;
  font-size: 1rem;
  padding: .75em .85em;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--paper);
  color: var(--ink);
}
input:focus, textarea:focus, select:focus { border-color: var(--green-600); }
textarea { resize: vertical; min-height: 110px; }
.checkbox-row { display: flex; align-items: flex-start; gap: 10px; font-size: .92rem; }
.checkbox-row input { margin-top: 4px; width: auto; }

.form-note {
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
  background: var(--paper-tint);
  font-size: .9rem;
  margin-bottom: 24px;
}
.form-success {
  display: none;
  padding: 18px 20px;
  border-radius: var(--radius-md);
  background: var(--green-100);
  border: 1px solid var(--green-600);
  color: var(--green-900);
  margin-bottom: 24px;
}
.form-success.show { display: block; }

/* ---------- Contact info list ---------- */
.info-list { list-style: none; margin: 0; padding: 0; }
.info-list li {
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}
.info-list li:last-child { border-bottom: none; }
.info-list .k { font-weight: 600; min-width: 130px; color: var(--ink-soft); font-size: .9rem; }

.map-wrap {
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--line);
}
.map-wrap iframe { width: 100%; height: 100%; min-height: 340px; border: 0; display: block; }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--green-700);
  color: #fff;
  border-radius: var(--radius-md);
  padding: 44px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.cta-band h2 { color: #fff; margin-bottom: .2em; }
.cta-band p { color: #DCEEE1; margin-bottom: 0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--ink); color: #C9CBC1; }
.footer-top { padding: 56px 0 32px; display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
@media (max-width: 880px) { .footer-top { grid-template-columns: 1fr 1fr; } }
.footer-top h4 { color: #fff; font-family: "Work Sans"; font-weight: 600; font-size: .85rem; letter-spacing: .02em; margin-bottom: 14px; }
.site-footer .brand { color: #fff; }
.site-footer .brand small { color: #9EA196; }
.footer-links { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: #C9CBC1; font-size: .92rem; }
.footer-links a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 20px 0 28px;
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  font-size: .82rem;
  color: #8D9086;
}

/* ---------- Page header (inner pages) ---------- */
.page-header {
  background: var(--ink);
  color: #fff;
  padding: 64px 0 48px;
}
.page-header h1 { color: #fff; }
.page-header .crumb { color: #9EA196; font-size: .88rem; margin-bottom: 14px; }
.page-header .crumb a { color: #C9CBC1; }

/* Utility */
.mt-0 { margin-top: 0; }
.text-center { text-align: center; }
.small { font-size: .88rem; color: var(--ink-soft); }
ul.plain, ol.plain { padding-left: 1.15em; }
ul.plain li, ol.plain li { margin-bottom: .5em; }
.divider { border: none; border-top: 1px solid var(--line); margin: 40px 0; }
.badge-list {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin-top: 18px;
}
.badge {
  font-size: .8rem;
  font-weight: 600;
  padding: .4em .85em;
  border-radius: 20px;
  background: var(--green-100);
  color: var(--green-800);
}

/* ---------- Hero mock (phone + floating stat cards) ---------- */
.hero-mock {
  position: relative;
  display: flex;
  justify-content: center;
  justify-self: center;
  padding: 10px 30px 0;
}
.hero-phone-frame {
  width: 300px;
  border: 9px solid #14140F;
  border-radius: 38px;
  background: #14140F;
  box-shadow: var(--shadow-card);
  position: relative;
  z-index: 2;
}
.hero-phone-notch {
  width: 100px; height: 20px;
  background: #14140F;
  border-radius: 0 0 14px 14px;
  margin: 0 auto;
}
.hero-phone-screen {
  background: var(--paper);
  border-radius: 26px;
  padding: 22px 18px 26px;
}
.hero-phone-top { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 20px; }
.hero-phone-top .greet { display: block; font-size: .85rem; color: var(--ink-soft); }
.hero-phone-top .name { display: block; font-size: 1.05rem; font-weight: 700; color: var(--ink); margin-top: 2px; }
.hero-phone-avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--green-700);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: .85rem;
  flex-shrink: 0;
}
.hero-balance-card {
  background: linear-gradient(135deg, var(--green-700), var(--green-900));
  color: #fff;
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
}
.hero-balance-card .label { display: block; font-size: .72rem; letter-spacing: .06em; color: #CFE8D8; margin-bottom: 8px; }
.hero-balance-card .amount { display: block; font-family: "Zilla Slab", serif; font-size: 1.85rem; font-weight: 700; }
.hero-balance-card .card-no { display: block; font-size: .8rem; letter-spacing: .12em; color: #CFE8D8; margin-top: 14px; }
.hero-quick-actions { display: flex; justify-content: space-between; margin-bottom: 22px; }
.hero-quick-actions .qa { display: flex; flex-direction: column; align-items: center; gap: 6px; font-size: .72rem; font-weight: 600; color: var(--ink-soft); }
.hero-quick-actions .qa .ic {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--green-50);
  color: var(--green-700);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.hero-tx-label { display: block; font-size: .72rem; letter-spacing: .06em; color: var(--ink-soft); margin-bottom: 10px; }
.hero-tx-row { display: flex; align-items: center; gap: 10px; padding: 9px 0; border-bottom: 1px solid var(--line); }
.hero-tx-row:last-child { border-bottom: none; }
.hero-tx-icon {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--green-50);
  display: flex; align-items: center; justify-content: center;
  font-size: .95rem;
  flex-shrink: 0;
}
.hero-tx-info { flex: 1; display: flex; flex-direction: column; min-width: 0; }
.hero-tx-info strong { font-size: .86rem; color: var(--ink); }
.hero-tx-info span { font-size: .74rem; color: var(--ink-soft); }
.hero-tx-amt { font-size: .86rem; font-weight: 700; white-space: nowrap; }
.hero-tx-amt.credit { color: var(--green-700); }
.hero-tx-amt.debit { color: #9A3B2A; }

.floating-stat {
  display: none;
  position: absolute;
  z-index: 3;
  background: #fff;
  color: var(--ink);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  padding: 12px 15px;
  width: 155px;
}
.floating-stat .label { display: block; font-size: .74rem; color: var(--ink-soft); margin-bottom: 4px; }
.floating-stat .amt { display: block; font-family: "Zilla Slab", serif; font-size: 1.15rem; font-weight: 700; }
.floating-stat .delta { display: block; font-size: .72rem; color: var(--green-600); margin-top: 2px; }

@media (min-width: 1100px) {
  .floating-stat { display: block; }
  .floating-stat.left { left: -125px; top: 100px; }
  .floating-stat.right { right: -115px; bottom: 140px; }
}

@media (max-width: 480px) {
  .hero-mock { padding: 10px 0 0; }
}

/* ---------- Floating badge (used elsewhere, e.g. About) ---------- */
.hero-photo { position: relative; }
.floating-badge {
  position: absolute;
  left: -18px;
  bottom: 54px;
  background: var(--paper);
  color: var(--ink);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  padding: 12px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  max-width: 230px;
}
.floating-badge .dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--green-600);
  flex-shrink: 0;
}
.floating-badge strong { display: block; font-size: .88rem; }
.floating-badge span:not(.dot) { display: block; }
.floating-badge > div > span { font-size: .76rem; color: var(--ink-soft); }
@media (max-width: 880px) {
  .floating-badge { left: 12px; bottom: 46px; }
}

/* ---------- Mobile app section ---------- */
.app-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 880px) { .app-grid { grid-template-columns: 1fr; } }
.check-list { list-style: none; padding: 0; margin: 20px 0 0; }
.check-list li {
  padding-left: 28px;
  position: relative;
  margin-bottom: 12px;
  color: #D9DBD4;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 0;
  color: var(--green-500, #2FA35C);
  font-weight: 700;
}

.phone-frame {
  justify-self: center;
  width: 260px;
  border: 8px solid #2A2820;
  border-radius: 34px;
  background: #2A2820;
  box-shadow: var(--shadow-card);
}
.phone-notch {
  width: 90px; height: 18px;
  background: #2A2820;
  border-radius: 0 0 12px 12px;
  margin: 0 auto;
}
.phone-screen {
  background: var(--paper);
  border-radius: 22px;
  padding: 18px 16px 22px;
  min-height: 420px;
}
.phone-topbar { display: flex; justify-content: space-between; align-items: center; font-size: .85rem; color: var(--ink-soft); margin-bottom: 18px; }
.phone-avatar {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--green-700);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  font-size: .78rem; font-weight: 700;
}
.phone-balance {
  background: var(--green-700);
  color: #fff;
  border-radius: var(--radius-md);
  padding: 18px;
  margin-bottom: 18px;
}
.phone-balance .label { display: block; font-size: .68rem; letter-spacing: .04em; color: #CFE8D8; margin-bottom: 6px; }
.phone-balance .amount { display: block; font-size: 1.5rem; font-family: "Zilla Slab", serif; letter-spacing: .1em; }
.phone-balance .tap { display: block; font-size: .72rem; color: #CFE8D8; margin-top: 4px; }
.phone-actions { display: flex; justify-content: space-between; margin-bottom: 20px; }
.phone-action {
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  font-size: .72rem; color: var(--ink-soft); font-weight: 600;
}
.phone-action span {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--green-50);
  color: var(--green-700);
  display: flex; align-items: center; justify-content: center;
  font-size: .95rem;
}
.phone-activity .label { display: block; font-size: .68rem; letter-spacing: .04em; color: var(--ink-soft); margin-bottom: 10px; }
.phone-activity-row {
  display: flex; justify-content: space-between;
  font-size: .85rem;
  padding: 9px 0;
  border-bottom: 1px solid var(--line);
}
.phone-activity-row span:first-child { color: var(--ink); font-weight: 500; }
.phone-activity-row span:last-child { color: var(--ink-soft); font-size: .8rem; }

/* =========================================================
   Review enhancements — September 2026
   ========================================================= */

/* Visible active-page underline requested in the website review */
.nav-links a.nav-link {
  position: relative;
}
.nav-links a.nav-link.active::after {
  content: "";
  position: absolute;
  left: .8em;
  right: .8em;
  bottom: .22em;
  height: 2px;
  border-radius: 999px;
  background: var(--green-700);
}

/* Full product preview on hover */
.mega-dropdown {
  width: min(620px, 78vw);
  min-width: 560px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
  padding: 14px;
}
.has-dropdown:hover .mega-dropdown,
.has-dropdown:focus-within .mega-dropdown {
  display: grid;
}
.dropdown-group {
  min-width: 0;
  padding: 4px;
}
.dropdown-title {
  display: block;
  padding: .45em .7em .55em;
  margin-bottom: 4px;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--green-700);
  border-bottom: 1px solid var(--green-100);
}
.dropdown-group a { font-size: .88rem; }

/* Product cards: dimensional, branded visual treatment instead of flat boxes */
.product-card {
  position: relative;
  overflow: hidden;
  background: linear-gradient(145deg, #ffffff 0%, #f4faf6 100%);
  box-shadow: 0 14px 30px -22px rgba(11,59,34,.55), 0 3px 10px rgba(23,20,15,.05);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.product-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: linear-gradient(90deg, var(--green-700), #55b875);
}
.product-card.loan-card {
  background: linear-gradient(145deg, #ffffff 0%, #fbf7ef 100%);
}
.product-card.loan-card::before {
  background: linear-gradient(90deg, #B47A2A, #DFC06B);
}
.product-card:hover {
  transform: translateY(-6px);
  border-color: rgba(21,122,63,.32);
  box-shadow: 0 24px 46px -24px rgba(11,59,34,.52), 0 10px 22px rgba(23,20,15,.08);
}
.product-meta {
  margin-top: 20px;
  padding-top: 14px;
  border-top: 1px solid rgba(21,122,63,.14);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  font-size: .8rem;
}
.product-meta span { color: var(--ink-soft); }
.product-meta strong { color: var(--green-800); text-align: right; }

/* Customer and community photography captions */
.community-card .cap {
  min-height: 68px;
  display: flex;
  align-items: center;
  background: linear-gradient(180deg, #fff, var(--green-50));
}
.community-card .cap strong {
  font-family: "Zilla Slab", Georgia, serif;
  color: var(--ink);
  line-height: 1.3;
}

/* FAQ */
.faq-section { background: var(--paper-tint); }
.faq-list { max-width: 820px; display: grid; gap: 12px; }
.faq-item {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 56px 20px 22px;
  font-family: "Zilla Slab", Georgia, serif;
  font-size: 1.08rem;
  font-weight: 600;
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 22px;
  top: 16px;
  width: 30px;
  height: 30px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--green-50);
  color: var(--green-700);
  font-family: "Work Sans", sans-serif;
  font-size: 1.25rem;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p { padding: 0 22px 20px; color: var(--ink-soft); }

/* Leadership / BOD holding section */
.governance-panel {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  background: linear-gradient(135deg, #fff, var(--green-50));
  box-shadow: var(--shadow-card);
}
.governance-mark {
  display: inline-flex;
  padding: .35em .7em;
  margin-bottom: 12px;
  border-radius: 999px;
  background: var(--green-100);
  color: var(--green-800);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .06em;
}

/* Scroll reveal effects, with progressive enhancement */
.reveal-on-scroll {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .55s ease, transform .55s cubic-bezier(.2,.7,.2,1);
}
.reveal-on-scroll.in-view {
  opacity: 1;
  transform: translateY(0);
}

@keyframes heroFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}
@media (prefers-reduced-motion: no-preference) {
  .hero-phone-frame { animation: heroFloat 5.5s ease-in-out infinite; }
  .floating-stat { transition: transform .2s ease; }
  .floating-stat:hover { transform: translateY(-4px); }
}

/* Give the floating approval card more breathing room from the phone frame */
@media (min-width: 1100px) {
  .floating-stat.left { left: -150px; top: 88px; }
  .floating-stat.right { right: -155px; bottom: 126px; }
}

@media (max-width: 880px) {
  .mega-dropdown { width: auto; min-width: 0; grid-template-columns: 1fr; }
  .has-dropdown.open .mega-dropdown { display: grid; }
  .nav-links a.nav-link.active::after { left: .8em; right: auto; width: 28px; }
  .governance-panel { align-items: flex-start; flex-direction: column; }
}




/* ---------- Board of Directors: profile cards + modal biographies ---------- */
.board-section {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 12% 8%, rgba(21,122,63,.09), transparent 30%),
    linear-gradient(180deg, #fff 0%, #f5faf6 100%);
}
.board-section::after {
  content: "";
  position: absolute;
  width: 420px;
  height: 420px;
  right: -210px;
  bottom: -230px;
  border-radius: 50%;
  border: 70px solid rgba(21,122,63,.035);
  pointer-events: none;
}
.board-section-head {
  max-width: 720px;
  margin-bottom: 34px;
}
.director-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 26px;
  max-width: 940px;
}
.director-card {
  padding: 0;
  overflow: hidden;
  border: 1px solid rgba(13,83,45,.11);
  background: rgba(255,255,255,.96);
  box-shadow: 0 20px 55px -36px rgba(8,58,31,.52), 0 6px 18px rgba(23,20,15,.05);
  transition: transform .28s ease, box-shadow .28s ease, border-color .28s ease;
}
.director-card:hover {
  transform: translateY(-7px);
  border-color: rgba(21,122,63,.26);
  box-shadow: 0 32px 65px -36px rgba(8,58,31,.58), 0 12px 24px rgba(23,20,15,.07);
}
.director-photo-wrap {
  position: relative;
  aspect-ratio: 16 / 10;
  overflow: hidden;
  background: linear-gradient(135deg, var(--green-100), #e9f4ec);
}
.director-photo-wrap::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 42%;
  background: linear-gradient(180deg, transparent, rgba(6,37,21,.28));
  pointer-events: none;
}
.director-photo {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 19%;
  transition: transform .45s cubic-bezier(.2,.7,.2,1);
}
.director-card:hover .director-photo { transform: scale(1.035); }
.director-badge {
  position: absolute;
  z-index: 2;
  top: 18px;
  left: 18px;
  padding: .5rem .78rem;
  border-radius: 999px;
  background: rgba(255,255,255,.93);
  box-shadow: 0 8px 18px rgba(0,0,0,.08);
  color: var(--green-800);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .07em;
  text-transform: uppercase;
  backdrop-filter: blur(9px);
}
.director-card-body { padding: 25px 26px 27px; }
.director-specialty {
  margin: 0 0 8px;
  color: var(--green-700);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.director-card-body h3 {
  margin: 0 0 11px;
  font-size: clamp(1.5rem, 2.3vw, 1.9rem);
}
.director-preview {
  min-height: 76px;
  margin: 0 0 22px;
  color: var(--ink-soft);
  line-height: 1.65;
}
.director-profile-btn {
  border: 0;
  gap: 9px;
  cursor: pointer;
}
.director-profile-btn span {
  display: inline-block;
  transition: transform .2s ease;
}
.director-profile-btn:hover span { transform: translateX(4px); }
.board-contact {
  position: relative;
  z-index: 1;
  max-width: 940px;
  margin-top: 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: rgba(255,255,255,.92);
  box-shadow: var(--shadow-card);
}
.board-contact h3 { margin: 8px 0 6px; }
.board-contact p { margin: 0; color: var(--ink-soft); }

/* Modal shell */
.board-modal {
  position: fixed;
  inset: 0;
  z-index: 1200;
  display: grid;
  place-items: center;
  padding: 24px;
  opacity: 0;
  visibility: hidden;
  transition: opacity .24s ease, visibility .24s ease;
}
.board-modal.is-open {
  opacity: 1;
  visibility: visible;
}
.board-modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(4, 26, 15, .72);
  backdrop-filter: blur(8px);
}
.board-modal-dialog {
  position: relative;
  z-index: 1;
  width: min(940px, 100%);
  max-height: min(760px, calc(100vh - 48px));
  overflow: auto;
  border: 1px solid rgba(255,255,255,.16);
  border-radius: 24px;
  background: #fff;
  box-shadow: 0 32px 90px rgba(0,0,0,.32);
  transform: translateY(18px) scale(.985);
  transition: transform .28s cubic-bezier(.2,.75,.2,1);
}
.board-modal.is-open .board-modal-dialog { transform: translateY(0) scale(1); }
.board-modal-close {
  position: absolute;
  z-index: 4;
  top: 16px;
  right: 16px;
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(13,83,45,.10);
  border-radius: 50%;
  background: rgba(255,255,255,.94);
  color: var(--green-900, #083d22);
  box-shadow: 0 8px 22px rgba(0,0,0,.09);
  font: 300 1.75rem/1 "Work Sans", sans-serif;
  cursor: pointer;
  transition: transform .2s ease, background .2s ease;
}
.board-modal-close:hover { transform: rotate(7deg); background: var(--green-50); }
.board-modal-layout {
  display: grid;
  grid-template-columns: minmax(285px, 34%) minmax(0, 1fr);
  min-height: 520px;
}
.board-modal-visual {
  position: relative;
  min-height: 520px;
  overflow: hidden;
  background: var(--green-100);
}
.board-modal-visual::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 52%, rgba(5,44,24,.9) 100%);
}
.board-modal-visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}
.board-modal-visual-caption {
  position: absolute;
  z-index: 2;
  left: 24px;
  right: 24px;
  bottom: 24px;
  color: #fff;
}
.board-modal-visual-caption span {
  display: block;
  margin-bottom: 6px;
  color: #d6f0df;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.board-modal-visual-caption strong {
  display: block;
  font-family: "Zilla Slab", Georgia, serif;
  font-size: 1.45rem;
  line-height: 1.12;
}
.board-modal-content {
  padding: 54px 54px 46px;
  align-self: center;
}
.board-modal-kicker {
  display: inline-flex;
  padding: .4rem .68rem;
  border-radius: 999px;
  background: var(--green-100);
  color: var(--green-800);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
}
.board-modal-content h2 {
  margin: 15px 0 4px;
  font-size: clamp(2rem, 4vw, 2.85rem);
  line-height: 1.02;
}
.board-modal-role {
  margin: 0;
  color: var(--green-700);
  font-weight: 600;
}
.board-modal-rule {
  width: 66px;
  height: 3px;
  margin: 22px 0 24px;
  border-radius: 10px;
  background: linear-gradient(90deg, var(--green-700), #8bc59d);
}
.board-modal-copy p {
  margin: 0 0 17px;
  color: var(--ink-soft);
  font-size: .98rem;
  line-height: 1.78;
}
.board-modal-copy p:last-child { margin-bottom: 0; }
body.board-modal-open { overflow: hidden; }

@media (max-width: 820px) {
  .director-grid { grid-template-columns: 1fr; max-width: 580px; }
  .director-preview { min-height: 0; }
  .board-modal { padding: 14px; }
  .board-modal-dialog { max-height: calc(100vh - 28px); border-radius: 20px; }
  .board-modal-layout { grid-template-columns: 1fr; }
  .board-modal-visual { min-height: 310px; max-height: 380px; }
  .board-modal-content { padding: 34px 28px 32px; }
  .board-modal-close { top: 12px; right: 12px; }
  .board-contact { align-items: flex-start; flex-direction: column; }
}
@media (max-width: 520px) {
  .director-card-body { padding: 21px 20px 23px; }
  .director-photo-wrap { aspect-ratio: 4 / 3; }
  .board-modal-visual { min-height: 265px; }
  .board-modal-content { padding: 30px 22px 28px; }
  .board-modal-copy p { font-size: .94rem; line-height: 1.7; }
}

/* ---------- Leadership page: expanded Board + Management ---------- */
.leadership-hero { position: relative; overflow: hidden; }
.leadership-hero::after {
  content: "";
  position: absolute;
  width: 320px;
  height: 320px;
  right: 6%;
  top: -120px;
  border: 48px solid rgba(255,255,255,.045);
  border-radius: 50%;
  pointer-events: none;
}
.leadership-hero .container { position: relative; z-index: 1; }
.leadership-eyebrow {
  display: inline-flex;
  margin: 22px 0 10px;
  padding: .38rem .7rem;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 999px;
  color: #d8eee0;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .09em;
}
.leadership-hero p { color: #D9DBD4; max-width: 68ch; }
.director-grid-four { max-width: 1120px; }
.director-grid-four .director-card { min-width: 0; }
.management-section {
  position: relative;
  background: #fff;
  border-top: 1px solid rgba(13,83,45,.08);
}
.management-grid {
  display: grid;
  grid-template-columns: minmax(0, 520px);
  max-width: 1120px;
}
.management-card {
  width: 100%;
  background: linear-gradient(180deg, #fff, #fbfdfb);
}
.management-photo-wrap { aspect-ratio: 16 / 10; }
.management-badge { background: rgba(7,76,38,.92); color: #fff; }
.management-section .board-contact { max-width: 1120px; }

@media (min-width: 980px) {
  .director-grid-four { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (min-width: 1240px) {
  .director-grid-four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .director-grid-four .director-photo-wrap { aspect-ratio: 4 / 4.2; }
  .director-grid-four .director-card-body { padding: 22px 22px 24px; }
  .director-grid-four .director-card-body h3 { font-size: 1.55rem; }
  .director-grid-four .director-preview { min-height: 124px; font-size: .92rem; }
}
@media (max-width: 820px) {
  .management-grid { grid-template-columns: 1fr; max-width: 580px; }
  .leadership-eyebrow { margin-top: 18px; }
}


/* =========================================================
   Website review 26 Sep 2026 - approved content updates
   ========================================================= */

.hero-copy { padding-bottom: 8px; }
.hero-copy p.lede { max-width: 55ch; }
.hero-app-callout {
  margin-top: 28px;
  max-width: 520px;
}
.hero-app-title {
  margin: 0 0 10px;
  color: #fff;
  font-size: .92rem;
  font-weight: 600;
}
.store-badges {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.store-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  min-width: 154px;
  min-height: 50px;
  padding: 7px 13px;
  border: 1px solid rgba(255,255,255,.75);
  border-radius: 7px;
  background: #080808;
  color: #fff;
  box-shadow: 0 5px 14px rgba(0,0,0,.18);
  transition: transform .18s ease, box-shadow .18s ease;
}
.store-badge:hover {
  color: #fff;
  text-decoration: none;
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(0,0,0,.24);
}
.store-icon {
  width: 28px;
  height: 28px;
  display: grid;
  place-items: center;
  flex: 0 0 28px;
  font-size: 1.25rem;
  color: #fff;
}
.store-icon.apple {
  font-size: 1rem;
  border: 2px solid #fff;
  border-radius: 50%;
}
.store-icon.play {
  font-size: 1.35rem;
}
.store-copy { display: flex; flex-direction: column; line-height: 1.05; }
.store-copy small { font-size: .58rem; color: #e7e7e7; letter-spacing: .01em; }
.store-copy strong { font-family: "Work Sans", sans-serif; font-size: .98rem; margin-top: 2px; }
.hero-ussd {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
  margin: 16px 0 0;
  color: #f1cf4a;
  font-weight: 600;
  font-size: .9rem;
}
.hero-ussd a { color: #f1cf4a; border-bottom: 1px solid rgba(241,207,74,.55); }
.hero-ussd a:hover { color: #fff; text-decoration: none; border-color: #fff; }

/* Proposed ledger treatment reads cleanly across five review items. */
.ledger-item { min-width: 0; }
.ledger-item .num { font-size: 1.2rem; }

/* Longer reviewed rate copy should remain readable and balanced. */
#panel-deposits .product-meta {
  align-items: flex-start;
  flex-direction: column;
  gap: 5px;
}
#panel-deposits .product-meta span {
  color: var(--green-800);
  font-weight: 700;
}
#panel-deposits .product-meta strong {
  color: var(--ink-soft);
  font-weight: 600;
  text-align: left;
}

@media (max-width: 560px) {
  .store-badges { flex-direction: column; align-items: flex-start; }
  .store-badge { width: 180px; }
  .hero-ussd { flex-direction: column; align-items: flex-start; gap: 4px; }
}

/* Management team: two-card responsive layout */
@media (min-width: 900px) {
  .management-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 26px;
  }
}

/* Board hierarchy: Chairman first, Directors below, MD in Management Team */
.chairman-feature {
  display: flex;
  justify-content: center;
  max-width: 1120px;
  margin: 0 0 34px;
}
.chairman-card {
  width: min(100%, 520px);
}
.chairman-badge {
  background: rgba(7,76,38,.94);
  color: #fff;
}
.chairman-photo-wrap {
  aspect-ratio: 16 / 10;
}

/* Keep the four Directors in the requested two by two hierarchy. */
.director-grid-four {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  max-width: 1120px;
}
.director-grid-four .director-photo-wrap {
  aspect-ratio: 16 / 10;
}
.director-grid-four .director-preview {
  min-height: 76px;
}

/* The MD is the Management Team, so keep this section as a single focused card. */
.management-grid {
  grid-template-columns: minmax(0, 520px) !important;
  gap: 26px;
  max-width: 1120px;
}

@media (max-width: 820px) {
  .chairman-feature { justify-content: flex-start; }
  .chairman-card { max-width: 580px; }
  .director-grid-four { grid-template-columns: 1fr; max-width: 580px; }
}