:root {
    /* Neo-Royal Palette */
    --primary: #0A0F1A;     /* Deep Obsidian */
    --primary-light: #162035;
    --accent: #D4AF37;      /* Metallic Gold */
    --accent-hover: #B8860B;
    --secondary: #6366F1;   /* Modern Indigo */
    
    --bg-main: #F8FAFC;
    --bg-card: #FFFFFF;
    
    --text-main: #1E293B;
    --text-muted: #64748B;
    --text-on-dark: #F8FAFC;

    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Inter', sans-serif;

    /* Effects */
    --shadow-premium: 0 10px 30px -5px rgba(0, 0, 0, 0.08), 0 4px 12px -2px rgba(0, 0, 0, 0.03);
    --shadow-float: 0 20px 40px -10px rgba(0, 0, 0, 0.15);
    --radius-lg: 16px;
    --radius-md: 12px;
    --glass: rgba(255, 255, 255, 0.85);
    --glass-border: rgba(255, 255, 255, 0.3);
    
    --container-width: 1240px;
    --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

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

body {
    font-family: var(--font-body);
    color: var(--text-main);
    background-color: var(--bg-main);
    line-height: 1.6;
    overflow-x: hidden;
}

h1, h2, h3, h4 {
    font-family: var(--font-heading);
    font-weight: 700;
}

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

ul { list-style: none; }

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

/* Utilities */
.text-gold { color: var(--accent); }
.bg-dark { background-color: var(--primary); color: white; }
.premium-gradient { background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%); }

/* Header & Top Bar */
.top-bar {
    background: #000;
    color: #888;
    padding: 8px 0;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.top-bar-inner {
    display: flex;
    justify-content: flex-end;
    gap: 24px;
}

.top-bar a:hover { color: var(--accent); }

.site-header {
    background: var(--glass);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--glass-border);
    position: sticky;
    top: 0;
    z-index: 1000;
    height: 90px;
    display: flex;
    align-items: center;
}

.main-header {
    display: flex;
    align-items: center;
    width: 100%;
}

.logo-main {
    font-size: 28px;
    letter-spacing: 2px;
    font-family: var(--font-heading);
    color: var(--primary);
}

.logo-sub {
    font-size: 10px;
    letter-spacing: 3px;
    color: var(--text-muted);
}

.main-nav { margin-left: 60px; }
.main-nav ul { display: flex; gap: 40px; }
.main-nav a {
    font-weight: 500;
    font-size: 15px;
    opacity: 0.8;
}

.main-nav a:hover, .main-nav a.active {
    opacity: 1;
    color: var(--accent);
}

.header-actions {
    margin-left: auto;
    display: flex;
    align-items: center;
    gap: 20px;
}

.btn-premium {
    padding: 12px 28px;
    border-radius: var(--radius-md);
    font-weight: 600;
    font-size: 14px;
    cursor: pointer;
    border: none;
    transition: var(--transition);
}

.btn-accent {
    background: var(--accent);
    color: var(--primary);
}

.btn-accent:hover {
    background: var(--accent-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(212, 175, 55, 0.3);
}

.btn-outline {
    border: 1px solid var(--primary);
    background: transparent;
}

.btn-outline:hover {
    background: var(--primary);
    color: white;
}

/* Hero Section */
.hero-section {
    position: relative;
    padding: 120px 0;
    min-height: 600px;
    display: flex;
    align-items: center;
    background: var(--primary);
    overflow: hidden;
}

.hero-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('../img/neo_banking_hero_v2.png') no-repeat center center;
    background-size: cover;
    opacity: 0.4;
}

.hero-section::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(90deg, var(--primary) 20%, transparent 80%);
}

.hero-content-wrapper {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.hero-text h1 {
    font-size: 56px;
    line-height: 1.1;
    margin-bottom: 24px;
    color: white;
}

.hero-text p {
    font-size: 20px;
    color: var(--text-muted);
    margin-bottom: 40px;
    max-width: 500px;
}

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

.login-widget {
    background: var(--glass);
    backdrop-filter: blur(20px);
    border: 1px solid var(--glass-border);
    padding: 40px;
    border-radius: 24px;
    box-shadow: var(--shadow-float);
}

/* Quick Access Bar */
.quick-access-bar {
    background: white;
    padding: 40px;
    border-radius: 24px;
    box-shadow: var(--shadow-premium);
    margin-top: -80px;
    position: relative;
    z-index: 10;
}

.quick-access-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 40px;
}

.qa-item {
    text-align: center;
    padding: 20px;
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.qa-item:hover {
    background: var(--bg-main);
    transform: translateY(-5px);
}

.qa-icon {
    font-size: 32px;
    color: var(--accent);
    margin-bottom: 16px;
}

.qa-title {
    font-weight: 700;
    font-size: 16px;
}

/* Products Section */
.section-std { padding: 100px 0; }
.section-title {
    font-size: 42px;
    margin-bottom: 60px;
    text-align: center;
}

.card-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.news-card-pro {
    background: var(--bg-card);
    border-radius: 24px;
    overflow: hidden;
    transition: var(--transition);
    border: 1px solid #eee;
    height: 100%;
    display: flex;
    flex-direction: column;
}

.news-card-pro:hover {
    transform: translateY(-12px);
    box-shadow: var(--shadow-float);
}

.nc-img {
    height: 240px;
    position: relative;
}

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

.nc-category {
    position: absolute;
    top: 20px;
    right: 20px;
    background: var(--accent);
    color: var(--primary);
    padding: 6px 14px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 800;
    text-transform: uppercase;
}

.nc-body { padding: 32px; flex-grow: 1; display: flex; flex-direction: column; }
.nc-title { font-size: 24px; margin-bottom: 16px; letter-spacing: -0.5px; }
.nc-excerpt { color: var(--text-muted); margin-bottom: 24px; }
.nc-link {
    margin-top: auto;
    font-weight: 700;
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

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

/* Footer */
.footer-pro {
    background: var(--primary);
    color: #94A3B8;
    padding: 100px 0 20px;
}

.footer-main-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 60px;
    margin-bottom: 60px;
}

.footer-col h5 {
    color: white;
    font-size: 18px;
    margin-bottom: 30px;
    font-family: var(--font-heading);
}

.footer-col ul li { margin-bottom: 12px; }
.footer-col a:hover { color: var(--accent); }

.contact-box {
    background: var(--primary-light);
    padding: 30px;
    border-radius: 20px;
    border-left: 4px solid var(--accent);
}

.footer-bottom-links {
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding: 30px 0;
    display: flex;
    justify-content: center;
    gap: 30px;
    font-size: 13px;
}

/* Animations */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.hero-text { animation: fadeInUp 1s ease both; }
.login-widget { animation: fadeInUp 1s ease 0.3s both; }

@media (max-width: 1024px) {
    .container { padding: 0 20px; }
    .hero-content-wrapper { grid-template-columns: 1fr !important; gap: 40px; text-align: center; padding-top: 40px; }
    .hero-text h1 { font-size: 48px !important; }
    .hero-text p { margin-left: auto; margin-right: auto; }
    .hero-links { justify-content: center; }
    .quick-access-grid { grid-template-columns: repeat(2, 1fr); }
    .card-grid-3 { grid-template-columns: 1fr 1fr; }
    .footer-main-grid { grid-template-columns: 1fr 1fr; }
    
    /* Global grid overrides for mobile */
    [style*="grid-template-columns: 1fr 1fr"],
    [style*="grid-template-columns: 0.8fr 1.2fr"],
    [style*="grid-template-columns: 1.2fr 0.8fr"],
    [style*="grid-template-columns: 0.5fr 1fr 1fr"],
    [style*="grid-template-columns: 1fr 1fr 1fr"],
    [style*="grid-template-columns: 1.2fr 1fr"] {
        grid-template-columns: 1fr !important;
        gap: 30px !important;
    }
}

@media (max-width: 768px) {
    .hero-section { padding: 60px 0 !important; }
    .hero-text h1 { font-size: 36px !important; }
    .section-title { font-size: 32px !important; }
    .card-grid-3 { grid-template-columns: 1fr; }
    .footer-main-grid { grid-template-columns: 1fr; }
    .site-header { height: 75px; }
    .main-nav, .header-actions .btn-premium { display: none !important; }
    .mobile-menu-toggle { display: block !important; }
    
    /* Navigation top bar hide on mobile for more space */
    .top-bar { display: none; }
    
    [style*="grid-template-columns: repeat(3, 1fr)"] {
        grid-template-columns: 1fr !important;
    }

    [style*="padding: 60px"], [style*="padding: 100px"] {
        padding: 30px !important;
    }

    [style*="font-size: 64px"], [style*="font-size: 56px"], [style*="font-size: 52px"] {
        font-size: 34px !important;
    }
    
    [style*="display: flex; gap: 80px"], [style*="display: grid; gap: 80px"] {
        gap: 30px !important;
        flex-direction: column !important;
    }
}

@media (max-width: 480px) {
    .premium-form-card { padding: 25px !important; border-radius: 16px; }
    .hero-links { flex-direction: column; width: 100%; }
    .hero-links .btn-premium { width: 100%; text-align: center; }
    .quick-access-grid { grid-template-columns: 1fr; }
    .logo-group img { height: 45px !important; }
}

/* Premium Forms */
.premium-form-card {
    background: var(--glass);
    backdrop-filter: blur(20px);
    border: 1px solid var(--glass-border);
    padding: 40px;
    border-radius: 24px;
    box-shadow: var(--shadow-float);
}

.form-group {
    margin-bottom: 24px;
    position: relative;
}

.form-label {
    display: block;
    font-size: 13px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 10px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.premium-input {
    width: 100%;
    padding: 16px 20px;
    background: rgba(255, 255, 255, 0.9);
    border: 1px solid rgba(0, 0, 0, 0.08);
    border-radius: 14px;
    font-family: var(--font-body);
    font-size: 15px;
    color: var(--primary);
    transition: var(--transition);
}

.premium-input:focus {
    background: #fff;
    border-color: var(--accent);
    box-shadow: 0 0 0 4px rgba(212, 175, 55, 0.15);
}

.premium-textarea {
    resize: vertical;
    min-height: 120px;
}

.premium-select {
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%23D4AF37' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 16px center;
    background-size: 18px;
    padding-right: 48px;
}

.radio-group {
    display: flex;
    gap: 24px;
    margin-top: 10px;
}

.radio-item {
    display: flex;
    align-items: center;
    gap: 8px;
    cursor: pointer;
    font-weight: 500;
}

.radio-item input[type="radio"] {
    accent-color: var(--accent);
    width: 18px;
    height: 18px;
}

.alert-premium {
    padding: 16px 20px;
    border-radius: 12px;
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    font-size: 14px;
}

.alert-success { background: #ECFDF5; color: #065F46; border: 1px solid #A7F3D0; }
.alert-error { background: #FEF2F2; color: #991B1B; border: 1px solid #FECACA; }

@media (max-width: 1024px) {
    .premium-form-card { padding: 30px; }
}

/* Page Accounts Redesign */
.hero-accounts {
    position: relative;
    padding: 120px 0;
    background: linear-gradient(rgba(10, 15, 26, 0.7), rgba(10, 15, 26, 0.9)), url('../img/accounts_hero.png') center/cover no-repeat;
    overflow: hidden;
    color: white;
    text-align: left;
}

.hero-accounts .container {
    position: relative;
    z-index: 2;
}

.account-card {
    background: var(--bg-card);
    border-radius: 20px;
    padding: 40px;
    box-shadow: var(--shadow-premium);
    transition: var(--transition);
    border: 1px solid rgba(0,0,0,0.05);
    display: flex;
    flex-direction: column;
    height: 100%;
}

.account-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-float);
}

.card-visual {
    width: 100%;
    height: 180px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 30px;
    border-radius: 12px;
    overflow: hidden;
    background: #f8f9fa;
    box-shadow: inset 0 0 10px rgba(0,0,0,0.02);
}

.card-visual img {
    max-width: 85%;
    max-height: 85%;
    object-fit: contain;
    transition: var(--transition);
    filter: drop-shadow(0 10px 20px rgba(0,0,0,0.15));
}

.account-card:hover .card-visual img {
    transform: scale(1.08) rotate(-2deg);
}

.price-tag {
    font-size: 32px;
    font-weight: 800;
    color: var(--primary);
    margin: 20px 0;
    display: flex;
    align-items: baseline;
    gap: 4px;
}

.price-tag span {
    font-size: 14px;
    font-weight: 400;
    color: var(--text-muted);
}

.feature-list {
    margin-bottom: 30px;
    flex-grow: 1;
}

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

.feature-list li i {
    color: var(--accent);
    font-size: 16px;
}

.accent-badge {
    display: inline-block;
    background: var(--accent);
    color: var(--primary);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    margin-bottom: 15px;
}

@media (max-width: 991px) {
    .card-grid-3 {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .hero-accounts {
        padding: 80px 0;
        text-align: center;
    }
    
    .hero-accounts .container {
        display: flex;
        flex-direction: column;
        align-items: center;
    }
}

/* Page Savings Redesign */
.hero-savings {
    position: relative;
    padding: 120px 0;
    background: linear-gradient(rgba(10, 15, 26, 0.75), rgba(10, 15, 26, 0.95)), url('../img/savings_hero.png') center/cover no-repeat;
    color: white;
}

.savings-card {
    background: white;
    border-radius: 20px;
    padding: 35px;
    box-shadow: var(--shadow-premium);
    transition: var(--transition);
    border: 1px solid rgba(0,0,0,0.03);
    display: flex;
    flex-direction: column;
    position: relative;
}

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

.rate-badge {
    font-size: 36px;
    font-weight: 800;
    color: var(--accent);
    margin: 15px 0;
}

.rate-badge span {
    font-size: 14px;
    font-weight: 500;
    color: var(--text-muted);
}

.savings-tabs {
    display: flex;
    gap: 10px;
    margin-bottom: 40px;
    background: white;
    padding: 8px;
    border-radius: 12px;
    box-shadow: var(--shadow-premium);
    width: fit-content;
}

.savings-tabs a {
    padding: 12px 24px;
    border-radius: 8px;
    font-weight: 600;
    font-size: 14px;
    transition: var(--transition);
}

.savings-tabs a.active {
    background: var(--primary);
    color: white;
}

.savings-tabs a:not(.active):hover {
    background: var(--bg-main);
}

.did-you-know {
    background: var(--primary);
    color: white;
    padding: 40px;
    border-radius: 24px;
    position: relative;
    overflow: hidden;
}

.did-you-know::after {
    content: '\f0eb';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    position: absolute;
    right: -20px;
    bottom: -20px;
    font-size: 120px;
    opacity: 0.1;
    transform: rotate(15deg);
}

.savings-feature-icon {
    width: 60px;
    height: 60px;
    background: rgba(212, 175, 55, 0.1);
    color: var(--accent);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin-bottom: 20px;
}

/* Page Press Redesign */
.hero-press {
    position: relative;
    padding: 100px 0;
    background: linear-gradient(rgba(10, 15, 26, 0.8), rgba(10, 15, 26, 0.95)), url('../img/press_hero.png') center/cover no-repeat;
    color: white;
}

.press-item {
    background: white;
    padding: 30px;
    border-radius: 16px;
    margin-bottom: 24px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.02);
    border-left: 4px solid var(--accent);
    transition: var(--transition);
}

.press-item:hover {
    transform: translateX(10px);
    box-shadow: var(--shadow-premium);
}

.press-date {
    font-size: 13px;
    font-weight: 600;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.press-contact-card {
    background: var(--primary);
    color: white;
    padding: 40px;
    border-radius: 20px;
    position: sticky;
    top: 120px;
}

.press-tag {
    background: rgba(212, 175, 55, 0.1);
    color: var(--accent);
    padding: 4px 12px;
    border-radius: 6px;
    font-size: 12px;
    font-weight: 700;
}

/* Page Commitments Redesign */
.hero-commitments {
    position: relative;
    padding: 120px 0;
    background: linear-gradient(rgba(6, 78, 59, 0.8), rgba(10, 15, 26, 0.95)), url('../img/commitments_hero.png') center/cover no-repeat;
    color: white;
}

.commitment-card {
    background: white;
    padding: 45px;
    border-radius: 24px;
    box-shadow: var(--shadow-premium);
    transition: var(--transition);
    border: 1px solid rgba(16, 185, 129, 0.1);
    height: 100%;
    display: flex;
    flex-direction: column;
}

.commitment-card:hover {
    transform: translateY(-10px);
    border-color: var(--accent);
    box-shadow: var(--shadow-float);
}

.commitment-icon {
    width: 70px;
    height: 70px;
    background: rgba(16, 185, 129, 0.1);
    color: #10B981;
    border-radius: 18px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 32px;
    margin-bottom: 30px;
    transition: var(--transition);
}

.commitment-card:hover .commitment-icon {
    background: var(--accent);
    color: var(--primary);
    transform: rotate(10deg);
}

.label-box {
    padding: 30px;
    background: white;
    border-radius: 16px;
    border: 2px solid #f1f5f9;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    color: var(--text-muted);
    transition: var(--transition);
    flex: 1;
    min-width: 180px;
}

.label-box:hover {
    background: var(--bg-main);
}

/* Legal & Structural Pages Shared Styles */
.content-wrapper-narrow {
    max-width: 800px;
    margin: 0 auto;
}

.legal-block {
    margin-bottom: 50px;
}

.legal-block h1, .legal-block h2, .legal-block h3 {
    color: var(--primary);
    margin-bottom: 20px;
}

.legal-block p {
    color: var(--text-main);
    line-height: 1.8;
    margin-bottom: 15px;
}

.info-box-premium {
    background: white;
    padding: 30px;
    border-radius: 16px;
    border-left: 4px solid var(--accent);
    box-shadow: var(--shadow-premium);
    margin-bottom: 40px;
}

/* Pricing Table */
.pricing-table-wrapper {
    overflow-x: auto;
    background: white;
    border-radius: 16px;
    box-shadow: var(--shadow-premium);
}

.fees-table {
    width: 100%;
    border-collapse: collapse;
}

.fees-table th {
    background: var(--primary);
    color: white;
    padding: 20px;
    text-align: left;
    font-weight: 600;
}

.fees-table td {
    padding: 20px;
    border-bottom: 1px solid #f1f5f9;
}

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

.fees-price {
    font-weight: 700;
    color: var(--primary);
}

.doc-card-premium {
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: white;
    padding: 25px;
    border-radius: 16px;
    margin-bottom: 20px;
    box-shadow: var(--shadow-premium);
    transition: var(--transition);
}

.doc-card-premium:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-float);
}

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

.doc-icon-box {
    width: 50px;
    height: 50px;
    background: rgba(212, 175, 55, 0.1);
    color: var(--accent);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
}