/* ============================================================
   ACCESS BANK PLC — Unified Stylesheet  v2.0  |  March 2026
   All 35 pages share this single CSS file.
   ============================================================ */
    :root {
      --access-red: #d0021b;
      --access-dark: #1a1a2e;
      --access-mid: #2c2c54;
      --access-gold: #c9a227;
      --access-light: #f7f7f7;
      --access-white: #ffffff;
      --radius: 6px;
      --transition: 0.3s ease;
    }

    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

    body {
      font-family: 'DM Sans', sans-serif;
      color: #222;
      background: #fff;
      overflow-x: hidden;
    }

    h1,h2,h3,h4,h5,h6 { font-family: 'Playfair Display', serif; }

    /* ===== TOP BAR ===== */
    .top-bar {
      background: var(--access-dark);
      color: rgba(255,255,255,0.75);
      font-size: 12px;
      padding: 6px 0;
    }
    .top-bar a { color: rgba(255,255,255,0.75); text-decoration: none; transition: color var(--transition); }
    .top-bar a:hover { color: #fff; }
    .top-bar .separator { margin: 0 8px; opacity: .4; }

    /* Country Selector */
    .country-selector {
      position: relative;
      display: inline-flex;
      align-items: center;
      gap: 6px;
      cursor: pointer;
    }
    .country-flag { width: 18px; height: 12px; border-radius: 2px; background: linear-gradient(#00f,#fff,#008000); display: inline-block; }
    .country-dropdown {
      position: absolute;
      top: 100%;
      right: 0;
      background: #fff;
      border-radius: var(--radius);
      box-shadow: 0 8px 32px rgba(0,0,0,.18);
      min-width: 200px;
      display: none;
      z-index: 9999;
      padding: 8px 0;
    }
    .country-selector:hover .country-dropdown { display: block; }
    .country-dropdown a {
      display: flex; align-items: center; gap: 10px;
      padding: 8px 16px; color: #333; font-size: 13px;
      transition: background var(--transition);
    }
    .country-dropdown a:hover { background: #f5f5f5; color: var(--access-red); }
    .flag-icon { width: 22px; height: 14px; border-radius: 2px; background: #ccc; flex-shrink: 0; }

    /* ===== MAIN NAV ===== */
    .main-nav {
      background: #fff;
      border-bottom: 1px solid #eee;
      position: sticky;
      top: 0;
      z-index: 1030;
      box-shadow: 0 2px 16px rgba(0,0,0,.07);
    }
    .main-nav .navbar-brand img { height: 40px; }
    .main-nav .logo-text {
      font-family: 'Playfair Display', serif;
      font-size: 22px;
      font-weight: 700;
      color: var(--access-red);
      letter-spacing: -.5px;
    }
    .main-nav .logo-sub { font-size: 10px; color: #888; letter-spacing: 2px; text-transform: uppercase; display: block; line-height: 1; }

    .nav-menu { list-style: none; display: flex; gap: 2px; margin: 0; padding: 0; }
    .nav-menu > li { position: relative; }
    .nav-menu > li > a {
      display: block; padding: 20px 14px;
      font-size: 13.5px; font-weight: 500; color: #333;
      text-decoration: none; transition: color var(--transition);
      white-space: nowrap;
    }
    .nav-menu > li > a:hover,
    .nav-menu > li.active > a { color: var(--access-red); }
    .nav-menu > li::after {
      content: ''; position: absolute; bottom: 0; left: 14px; right: 14px;
      height: 3px; background: var(--access-red);
      transform: scaleX(0); transition: transform var(--transition);
    }
    .nav-menu > li:hover::after { transform: scaleX(1); }

    /* Mega menu */
    .mega-menu {
      position: absolute;
      top: 100%; left: 0;
      background: #fff;
      box-shadow: 0 16px 48px rgba(0,0,0,.12);
      border-top: 3px solid var(--access-red);
      min-width: 800px;
      display: none;
      z-index: 9000;
      padding: 28px;
      border-radius: 0 0 var(--radius) var(--radius);
    }
    .nav-menu > li:hover .mega-menu { display: flex; }
    .mega-col { flex: 1; }
    .mega-col h6 {
      font-family: 'DM Sans', sans-serif; font-weight: 700;
      font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase;
      color: var(--access-red); margin-bottom: 12px; padding-bottom: 8px;
      border-bottom: 1px solid #eee;
    }
    .mega-col ul { list-style: none; padding: 0; margin: 0; }
    .mega-col ul li a {
      display: block; padding: 5px 0;
      font-size: 13px; color: #555;
      text-decoration: none; transition: color var(--transition);
    }
    .mega-col ul li a:hover { color: var(--access-red); padding-left: 4px; }

    /* Mega ad box */
    .mega-adbox {
      background: var(--access-dark);
      border-radius: var(--radius);
      padding: 20px;
      color: #fff;
      min-width: 200px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
    }
    .mega-adbox h5 { font-size: 16px; margin-bottom: 8px; color: #fff; }
    .mega-adbox p { font-size: 12px; opacity: .75; margin-bottom: 16px; }
    .mega-adbox a { color: var(--access-gold); font-size: 12px; font-weight: 600; text-decoration: none; }

    /* Utility nav */
    .util-nav { display: flex; align-items: center; gap: 12px; }
    .btn-ibank {
      background: var(--access-red); color: #fff;
      border: none; border-radius: 4px;
      padding: 8px 18px; font-size: 13px; font-weight: 600;
      cursor: pointer; transition: background var(--transition);
      text-decoration: none; white-space: nowrap;
    }
    .btn-ibank:hover { background: #a8011a; color: #fff; }
    .search-btn {
      background: none; border: none; cursor: pointer;
      color: #555; font-size: 18px; padding: 4px;
      transition: color var(--transition);
    }
    .search-btn:hover { color: var(--access-red); }

    /* Search overlay */
    .search-overlay {
      position: fixed; inset: 0; background: rgba(0,0,0,.85);
      z-index: 9998; display: none; align-items: flex-start;
      justify-content: center; padding-top: 80px;
    }
    .search-overlay.active { display: flex; }
    .search-box {
      width: 100%; max-width: 640px;
      background: #fff; border-radius: var(--radius);
      padding: 20px; position: relative;
    }
    .search-box input {
      width: 100%; border: 2px solid var(--access-red); border-radius: 4px;
      padding: 12px 48px 12px 16px; font-size: 16px;
      outline: none;
    }
    .search-box button.close-search {
      position: absolute; right: 28px; top: 28px;
      background: none; border: none; font-size: 24px; cursor: pointer; color: #888;
    }
    .search-popular { margin-top: 16px; }
    .search-popular span { font-size: 12px; color: #888; margin-right: 8px; }
    .search-popular a {
      display: inline-block; margin: 4px 4px 4px 0;
      background: #f0f0f0; padding: 4px 12px;
      border-radius: 20px; font-size: 12px; color: #333;
      text-decoration: none; transition: all var(--transition);
    }
    .search-popular a:hover { background: var(--access-red); color: #fff; }

    /* ===== HERO SLIDER ===== */
    .hero-slider { position: relative; height: 540px; overflow: hidden; }
    .hero-slide {
      position: absolute; inset: 0;
      opacity: 0; transition: opacity .7s ease;
      display: flex; align-items: center;
    }
    .hero-slide.active { opacity: 1; }
    .hero-slide .bg {
      position: absolute; inset: 0;
      background-size: cover; background-position: center;
    }
    .hero-slide .overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to right, rgba(0,0,0,.7) 0%, rgba(0,0,0,.1) 70%);
    }
    .hero-content {
      position: relative; z-index: 2;
      max-width: 560px; padding: 0 48px;
      color: #fff;
    }
    .hero-badge {
      display: inline-block; background: var(--access-red);
      color: #fff; font-size: 11px; font-weight: 700;
      letter-spacing: 2px; text-transform: uppercase;
      padding: 4px 12px; border-radius: 2px; margin-bottom: 16px;
    }
    .hero-content h1 { font-size: 40px; line-height: 1.15; margin-bottom: 16px; }
    .hero-content p { font-size: 16px; opacity: .85; margin-bottom: 28px; line-height: 1.6; }
    .btn-hero {
      display: inline-block; background: var(--access-red); color: #fff;
      padding: 13px 30px; border-radius: 4px; font-weight: 600;
      text-decoration: none; font-size: 14px; transition: all var(--transition);
      letter-spacing: .5px;
    }
    .btn-hero:hover { background: #fff; color: var(--access-red); }
    .btn-hero-outline {
      display: inline-block; border: 2px solid #fff; color: #fff;
      padding: 11px 28px; border-radius: 4px; font-weight: 600;
      text-decoration: none; font-size: 14px; margin-left: 12px;
      transition: all var(--transition);
    }
    .btn-hero-outline:hover { background: #fff; color: var(--access-dark); }

    /* Slider controls */
    .slider-controls {
      position: absolute; bottom: 28px; left: 0; right: 0;
      display: flex; align-items: center; justify-content: center; gap: 10px; z-index: 10;
    }
    .dot {
      width: 10px; height: 10px; border-radius: 50%;
      background: rgba(255,255,255,.4); cursor: pointer; transition: all var(--transition);
      border: none;
    }
    .dot.active { background: var(--access-red); transform: scale(1.3); }
    .slider-arrow {
      position: absolute; top: 50%; transform: translateY(-50%);
      background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.3);
      color: #fff; width: 44px; height: 44px; border-radius: 50%;
      display: flex; align-items: center; justify-content: center;
      cursor: pointer; transition: all var(--transition); z-index: 10;
      font-size: 18px;
    }
    .slider-arrow:hover { background: var(--access-red); border-color: var(--access-red); }
    .slider-prev { left: 20px; }
    .slider-next { right: 20px; }

    /* ===== QUICK ACTIONS ===== */
    .quick-actions {
      background: var(--access-white);
      box-shadow: 0 4px 24px rgba(0,0,0,.08);
      position: relative; z-index: 100;
    }
    .quick-action-item {
      display: flex; align-items: center; gap: 14px;
      padding: 24px 20px;
      border-right: 1px solid #eee;
      text-decoration: none; color: #333;
      transition: all var(--transition);
      cursor: pointer;
    }
    .quick-action-item:last-child { border-right: none; }
    .quick-action-item:hover { background: var(--access-light); color: var(--access-red); }
    .qa-icon {
      width: 48px; height: 48px; border-radius: 50%;
      background: #fdecea; display: flex; align-items: center; justify-content: center;
      font-size: 20px; color: var(--access-red); flex-shrink: 0;
      transition: all var(--transition);
    }
    .quick-action-item:hover .qa-icon { background: var(--access-red); color: #fff; }
    .qa-text h6 { font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 600; margin: 0 0 2px; }
    .qa-text p { font-size: 12px; color: #888; margin: 0; }

    /* ===== SECTION STYLES ===== */
    .section-eyebrow {
      font-size: 11px; font-weight: 700; letter-spacing: 2.5px;
      text-transform: uppercase; color: var(--access-red); margin-bottom: 10px;
    }
    .section-title { font-size: 36px; color: var(--access-dark); line-height: 1.2; }
    .section-title span { color: var(--access-red); }
    .section-subtitle { font-size: 16px; color: #666; max-width: 560px; line-height: 1.7; }

    /* ===== LATEST NEWS ===== */
    .news-section { background: var(--access-light); padding: 70px 0; }
    .news-card {
      background: #fff; border-radius: var(--radius);
      overflow: hidden; box-shadow: 0 2px 12px rgba(0,0,0,.06);
      transition: transform var(--transition), box-shadow var(--transition);
      height: 100%;
    }
    .news-card:hover { transform: translateY(-4px); box-shadow: 0 12px 36px rgba(0,0,0,.12); }
    .news-card-img { height: 180px; background: var(--access-dark); position: relative; overflow: hidden; }
    .news-card-img .news-tag {
      position: absolute; top: 14px; left: 14px;
      background: var(--access-red); color: #fff;
      font-size: 10px; font-weight: 700; letter-spacing: 1.5px;
      text-transform: uppercase; padding: 4px 10px; border-radius: 2px;
    }
    .news-card-body { padding: 20px; }
    .news-date { font-size: 11px; color: #999; margin-bottom: 8px; }
    .news-card-body h5 { font-size: 16px; color: var(--access-dark); margin-bottom: 10px; line-height: 1.4; }
    .news-card-body p { font-size: 13px; color: #777; line-height: 1.6; margin-bottom: 16px; }
    .news-read-more { font-size: 12px; color: var(--access-red); font-weight: 600; text-decoration: none; }
    .news-read-more:hover { text-decoration: underline; }

    /* ===== WAYS TO BANK ===== */
    .ways-section { padding: 70px 0; }
    .way-card {
      background: var(--access-dark);
      border-radius: var(--radius);
      overflow: hidden;
      position: relative;
      height: 280px;
      display: flex; align-items: flex-end;
      text-decoration: none;
      transition: transform var(--transition);
    }
    .way-card:hover { transform: translateY(-4px); }
    .way-card .way-bg {
      position: absolute; inset: 0;
      background-size: cover; background-position: center;
      transition: transform .5s ease;
    }
    .way-card:hover .way-bg { transform: scale(1.05); }
    .way-card .way-overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to top, rgba(0,0,0,.85) 0%, rgba(0,0,0,.1) 60%);
    }
    .way-card .way-body {
      position: relative; z-index: 2; padding: 20px; color: #fff;
    }
    .way-card .way-icon { font-size: 28px; margin-bottom: 8px; }
    .way-card h5 { font-size: 16px; margin-bottom: 4px; }
    .way-card p { font-size: 12px; opacity: .75; margin: 0; }

    /* ===== LOAN CALCULATOR ===== */
    .calc-section { background: var(--access-dark); padding: 70px 0; color: #fff; }
    .calc-section .section-title { color: #fff; }
    .calc-section .section-subtitle { color: rgba(255,255,255,.65); }
    .calc-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 10px; padding: 32px; }
    .calc-label { font-size: 13px; color: rgba(255,255,255,.7); margin-bottom: 6px; }
    .calc-amount { font-family: 'Playfair Display', serif; font-size: 36px; color: var(--access-gold); margin-bottom: 16px; }
    .range-input { width: 100%; -webkit-appearance: none; height: 6px; border-radius: 3px; background: rgba(255,255,255,.2); outline: none; }
    .range-input::-webkit-slider-thumb {
      -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
      background: var(--access-red); cursor: pointer; box-shadow: 0 2px 8px rgba(208,2,27,.4);
    }
    .calc-result-box {
      background: var(--access-red); border-radius: var(--radius);
      padding: 24px; text-align: center;
    }
    .calc-result-box .result-label { font-size: 12px; text-transform: uppercase; letter-spacing: 1.5px; opacity: .8; }
    .calc-result-box .result-value { font-family: 'Playfair Display', serif; font-size: 32px; margin: 8px 0; }
    .calc-result-box .result-note { font-size: 12px; opacity: .75; }

    /* ===== BANKING SERVICES ===== */
    .services-section { padding: 70px 0; background: var(--access-light); }
    .service-card {
      background: #fff; border-radius: var(--radius); padding: 28px 24px;
      border-left: 4px solid transparent;
      box-shadow: 0 2px 12px rgba(0,0,0,.05);
      transition: all var(--transition); height: 100%;
    }
    .service-card:hover { border-left-color: var(--access-red); transform: translateY(-3px); box-shadow: 0 10px 32px rgba(0,0,0,.1); }
    .service-icon { font-size: 32px; color: var(--access-red); margin-bottom: 14px; }
    .service-card h5 { font-size: 17px; color: var(--access-dark); margin-bottom: 10px; }
    .service-card p { font-size: 13px; color: #777; line-height: 1.6; margin-bottom: 16px; }
    .service-link { font-size: 12px; color: var(--access-red); font-weight: 600; text-decoration: none; }
    .service-link:hover { text-decoration: underline; }

    /* ===== CLOSA / AGENCY ===== */
    .agency-section { padding: 70px 0; overflow: hidden; }
    .closa-big {
      font-family: 'Playfair Display', serif;
      font-size: 120px; font-weight: 700; color: var(--access-red);
      line-height: 1; opacity: .08; position: absolute;
      right: -20px; top: 50%; transform: translateY(-50%);
      pointer-events: none; user-select: none;
    }
    .agency-visual {
      background: var(--access-dark); border-radius: 10px;
      height: 320px; display: flex; align-items: center; justify-content: center;
      position: relative; overflow: hidden;
    }
    .agency-visual::before {
      content: '';
      position: absolute; inset: 0;
      background: radial-gradient(circle at 30% 50%, rgba(208,2,27,.3), transparent 60%);
    }
    .agency-stat { text-align: center; }
    .agency-stat .stat-num { font-family: 'Playfair Display', serif; font-size: 56px; color: #fff; }
    .agency-stat .stat-label { font-size: 14px; color: rgba(255,255,255,.6); }

    /* ===== EXPLORE MORE ===== */
    .explore-section { padding: 70px 0; }
    .explore-card {
      border-radius: 10px; overflow: hidden;
      position: relative; height: 380px;
      display: flex; align-items: flex-end;
    }
    .explore-card .ex-bg {
      position: absolute; inset: 0;
      background-size: cover; background-position: center;
    }
    .explore-card .ex-overlay {
      position: absolute; inset: 0;
      background: linear-gradient(to top, rgba(0,0,0,.82) 0%, transparent 55%);
    }
    .explore-card .ex-body {
      position: relative; z-index: 2; padding: 28px; color: #fff;
    }
    .explore-card h4 { font-size: 22px; margin-bottom: 8px; }
    .explore-card p { font-size: 13px; opacity: .8; margin-bottom: 16px; line-height: 1.5; }
    .btn-ex { display: inline-block; background: var(--access-red); color: #fff; padding: 9px 22px; border-radius: 4px; font-size: 12px; font-weight: 600; text-decoration: none; }

    /* ===== FX RATES TICKER ===== */
    .fx-bar {
      background: var(--access-dark); color: #fff; padding: 14px 0;
      overflow: hidden;
    }
    .fx-ticker-wrap { overflow: hidden; }
    .fx-ticker { display: flex; gap: 60px; animation: ticker 30s linear infinite; white-space: nowrap; }
    .fx-ticker:hover { animation-play-state: paused; }
    @keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
    .fx-item { display: inline-flex; align-items: center; gap: 12px; }
    .fx-pair { font-size: 12px; font-weight: 700; letter-spacing: 1px; color: var(--access-gold); }
    .fx-rate { font-size: 13px; }
    .fx-change { font-size: 11px; }
    .fx-up { color: #22c55e; }
    .fx-dn { color: #ef4444; }

    /* ===== I AM SECTION ===== */
    .iam-section { padding: 70px 0; background: var(--access-dark); }
    .iam-section .section-title { color: #fff; }
    .iam-section .section-eyebrow { color: var(--access-gold); }
    .iam-card {
      border-radius: var(--radius); overflow: hidden;
      position: relative; height: 200px;
      text-decoration: none; display: block;
      background: rgba(255,255,255,.05);
      border: 1px solid rgba(255,255,255,.1);
      transition: all var(--transition);
    }
    .iam-card:hover { border-color: var(--access-red); transform: translateY(-3px); }
    .iam-card-inner { height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 20px; text-align: center; }
    .iam-icon { font-size: 36px; color: var(--access-gold); margin-bottom: 12px; }
    .iam-card h6 { color: #fff; font-family: 'DM Sans', sans-serif; font-size: 14px; font-weight: 600; margin-bottom: 6px; }
    .iam-card span { font-size: 11px; color: rgba(255,255,255,.5); }

    /* ===== FOOTER ===== */
    footer { background: #111; color: rgba(255,255,255,.7); }
    .footer-top { padding: 60px 0 40px; }
    .footer-brand { margin-bottom: 24px; }
    .footer-brand .brand-name { font-family: 'Playfair Display', serif; font-size: 28px; color: var(--access-red); }
    .footer-brand .brand-tag { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,.4); }
    .footer-brand p { font-size: 13px; line-height: 1.7; max-width: 280px; margin-top: 12px; }
    .footer-social { display: flex; gap: 10px; margin-top: 20px; }
    .social-btn {
      width: 36px; height: 36px; border-radius: 50%;
      border: 1px solid rgba(255,255,255,.2);
      display: flex; align-items: center; justify-content: center;
      color: rgba(255,255,255,.6); font-size: 16px; text-decoration: none;
      transition: all var(--transition);
    }
    .social-btn:hover { background: var(--access-red); border-color: var(--access-red); color: #fff; }
    .footer-col h6 {
      font-family: 'DM Sans', sans-serif; font-size: 11px; font-weight: 700;
      letter-spacing: 1.5px; text-transform: uppercase;
      color: var(--access-gold); margin-bottom: 16px; padding-bottom: 8px;
      border-bottom: 1px solid rgba(255,255,255,.08);
    }
    .footer-col ul { list-style: none; padding: 0; margin: 0; }
    .footer-col ul li { margin-bottom: 8px; }
    .footer-col ul li a { color: rgba(255,255,255,.6); text-decoration: none; font-size: 13px; transition: color var(--transition); }
    .footer-col ul li a:hover { color: #fff; }
    .footer-apps { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
    .app-badge {
      display: inline-flex; align-items: center; gap: 10px;
      background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12);
      border-radius: 8px; padding: 8px 14px; text-decoration: none; color: #fff;
      transition: all var(--transition); font-size: 13px;
    }
    .app-badge:hover { background: var(--access-red); border-color: var(--access-red); color: #fff; }
    .app-badge i { font-size: 22px; }
    .footer-bottom {
      border-top: 1px solid rgba(255,255,255,.08);
      padding: 20px 0; font-size: 12px; color: rgba(255,255,255,.4);
    }
    .footer-bottom a { color: rgba(255,255,255,.5); text-decoration: none; }
    .footer-bottom a:hover { color: #fff; }

    /* ===== HELPERS ===== */
    .btn-red { background: var(--access-red); color: #fff; border: 2px solid var(--access-red); border-radius: 4px; padding: 11px 26px; font-weight: 600; font-size: 14px; text-decoration: none; display: inline-block; transition: all var(--transition); }
    .btn-red:hover { background: transparent; color: var(--access-red); }
    .btn-outline-red { background: transparent; color: var(--access-red); border: 2px solid var(--access-red); border-radius: 4px; padding: 11px 26px; font-weight: 600; font-size: 14px; text-decoration: none; display: inline-block; transition: all var(--transition); }
    .btn-outline-red:hover { background: var(--access-red); color: #fff; }

    /* Loading indicator for AJAX */
    .ajax-loading { display: none; text-align: center; padding: 20px; }
    .ajax-loading .spinner { width: 36px; height: 36px; border: 3px solid #eee; border-top-color: var(--access-red); border-radius: 50%; animation: spin .7s linear infinite; display: inline-block; }
    @keyframes spin { to { transform: rotate(360deg); } }

    /* Notification toast */
    .toast-container { position: fixed; bottom: 24px; right: 24px; z-index: 9999; }

    /* Mobile nav */
    @media (max-width: 991px) {
      .nav-menu { display: none; }
      .mega-menu { min-width: 100vw; left: -20px; }
      .hero-content { padding: 0 24px; }
      .hero-content h1 { font-size: 28px; }
      .closa-big { font-size: 64px; }
      .hero-slider { height: 420px; }
      .quick-action-item { padding: 16px 12px; }
    }

    /* Scroll fade-in */
    .fade-in { opacity: 0; transform: translateY(30px); transition: opacity .6s ease, transform .6s ease; }
    .fade-in.visible { opacity: 1; transform: none; }

    /* Hamburger */
    .hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; }
    .hamburger span { display: block; width: 26px; height: 2px; background: #333; transition: all var(--transition); }
    @media (max-width: 991px) { .hamburger { display: flex; } }

    /* Mobile menu */
    .mobile-menu-overlay {
      position: fixed; inset: 0; background: rgba(0,0,0,.5);
      z-index: 1040; display: none;
    }
    .mobile-menu-overlay.active { display: block; }
    .mobile-menu-drawer {
      position: fixed; top: 0; left: 0; bottom: 0;
      width: 300px; background: #fff; z-index: 1050;
      transform: translateX(-100%); transition: transform var(--transition);
      overflow-y: auto;
    }
    .mobile-menu-drawer.active { transform: none; }
    .mobile-menu-header { background: var(--access-dark); padding: 20px; display: flex; align-items: center; justify-content: space-between; }
    .mobile-menu-header .brand-name { color: var(--access-red); font-family: 'Playfair Display', serif; font-size: 20px; }
    .mobile-close { background: none; border: none; color: #fff; font-size: 24px; cursor: pointer; }
    .mobile-nav-list { list-style: none; padding: 0; margin: 0; }
    .mobile-nav-list li { border-bottom: 1px solid #f0f0f0; }
    .mobile-nav-list li a { display: block; padding: 14px 20px; font-size: 14px; color: #333; text-decoration: none; font-weight: 500; }
    .mobile-nav-list li a:hover { color: var(--access-red); background: #fef9f9; }

    /* Extra visual: decorative red bar on some sections */
    .red-accent-line { width: 48px; height: 4px; background: var(--access-red); border-radius: 2px; margin-bottom: 16px; }

    /* News placeholder gradients */
    .news-bg-1 { background: linear-gradient(135deg, #1a1a2e 0%, #d0021b 100%); }
    .news-bg-2 { background: linear-gradient(135deg, #2c2c54 0%, #c9a227 100%); }
    .news-bg-3 { background: linear-gradient(135deg, #1a1a2e 0%, #2c2c54 100%); }

    /* Way card bg placeholders */
    .way-bg-mobile { background: linear-gradient(135deg, #d0021b, #1a1a2e); }
    .way-bg-amex   { background: linear-gradient(135deg, #c9a227, #1a1a2e); }
    .way-bg-901    { background: linear-gradient(135deg, #2c2c54, #d0021b); }
    .way-bg-online { background: linear-gradient(135deg, #1a1a2e, #2c2c54); }

    /* Explore card bg placeholders */
    .ex-bg-1 { background: linear-gradient(135deg, #2c2c54, #d0021b); }
    .ex-bg-2 { background: linear-gradient(135deg, #1a1a2e, #c9a227); }
    .ex-bg-3 { background: linear-gradient(135deg, #d0021b, #1a1a2e); }

/* ============================================================
   INNER PAGE STYLES (sub-pages, sidebars, heroes, components)
   ============================================================ */
.page-hero{background:linear-gradient(135deg,#1a1a2e 0%,#2c2c54 60%,#d0021b 100%);padding:70px 0 50px;color:#fff;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 80% 50%,rgba(208,2,27,.25),transparent 55%);}
.page-hero-content{position:relative;z-index:2;}
.breadcrumb-item a{color:rgba(255,255,255,.6);text-decoration:none;}
.breadcrumb-item.active{color:rgba(255,255,255,.9);}
.page-hero h1{font-size:46px;margin-bottom:14px;}
.page-hero p.lead{font-size:17px;opacity:.8;max-width:620px;line-height:1.6;}

/* Sidebar */
.inner-sidebar .list-group-item{border:none;border-left:3px solid transparent;border-radius:0;padding:12px 20px;font-size:13.5px;color:#444;transition:all .25s;}
.inner-sidebar .list-group-item:hover,.inner-sidebar .list-group-item.active{border-left-color:var(--access-red);color:var(--access-red);background:#fef5f5;}
.inner-sidebar h6{font-size:10px;letter-spacing:1.8px;text-transform:uppercase;color:var(--access-red);font-weight:700;padding:16px 20px 6px;margin:0;}
.content-section{padding:60px 0;}

/* Stat pills */
.stat-pill{background:var(--access-red);color:#fff;border-radius:6px;padding:24px;text-align:center;}
.stat-pill .num{font-family:'Playfair Display',serif;font-size:36px;}
.stat-pill .lbl{font-size:12px;opacity:.85;margin-top:2px;}

/* Dark card */
.dark-card{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:10px;padding:28px;transition:all .3s;}
.dark-card:hover{border-color:var(--access-gold);}

/* Timeline */
.timeline-line{position:absolute;left:20px;top:0;bottom:0;width:2px;background:linear-gradient(to bottom,var(--access-red),var(--access-dark));}
.timeline-dot{position:absolute;left:12px;width:18px;height:18px;border-radius:50%;background:var(--access-red);border:3px solid #fff;box-shadow:0 0 0 3px var(--access-red);}
.timeline-item{padding-left:52px;position:relative;margin-bottom:36px;}

/* FAQ */
.faq-item{border:1px solid #eee;border-radius:8px;margin-bottom:12px;overflow:hidden;}
.faq-q{padding:16px 20px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:500;background:#fff;transition:background .2s;}
.faq-q:hover{background:#fef5f5;}
.faq-a{padding:0 20px;max-height:0;overflow:hidden;transition:max-height .35s ease,padding .35s ease;background:#fafafa;font-size:14px;color:#555;line-height:1.7;}
.faq-a.open{max-height:300px;padding:16px 20px;}

/* Download rows */
.download-row{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;background:#fff;border-radius:8px;box-shadow:0 2px 10px rgba(0,0,0,.05);margin-bottom:12px;flex-wrap:wrap;gap:12px;}
.download-row:hover{box-shadow:0 4px 20px rgba(0,0,0,.1);}

/* Branch cards */
.branch-card{background:#fff;border-radius:8px;padding:20px;box-shadow:0 2px 10px rgba(0,0,0,.06);border-top:3px solid var(--access-red);height:100%;}
.branch-card h6{font-size:14px;font-weight:700;margin-bottom:8px;}
.branch-card p{font-size:12px;color:#666;margin:0;line-height:1.6;}

/* Alert tip */
.alert-tip{border-left:4px solid var(--access-red);border-radius:0 6px 6px 0;background:#fef5f5;padding:16px 20px;}

/* Nav tabs */
.nav-tabs .nav-link{color:#333;border:none;padding:16px 20px;font-size:13.5px;font-weight:500;}
.nav-tabs .nav-link.active{color:var(--access-red);border-bottom:3px solid var(--access-red);background:none;}
/* ===== MOBILE (≤767px) ===== */
@media (max-width: 767px) {

  /* Hero */
  .hero-slider { height: auto; height: 200px; }
  .hero-slide { position: relative; height: 200px; }
  .hero-slide.active { display: flex; }
  .hero-content { padding: 40px 20px; max-width: 100%; }
  .hero-content h1 { font-size: 24px; }
  .hero-content p { font-size: 14px; }
  .btn-hero, .btn-hero-outline { 
    display: block; text-align: center; 
    margin: 8px 0; 
  }
  .btn-hero-outline { margin-left: 0; }

  /* Quick actions — fix 2×2 grid borders */
  .quick-action-item { 
    border-right: none; 
    border-bottom: 1px solid #eee; 
    padding: 14px 10px; 
  }
  .qa-text h6 { font-size: 12px; }
  .qa-text p { display: none; }

  /* Section text */
  .section-title { font-size: 26px; }
  .section-subtitle { font-size: 14px; }

  /* Calculator */
  .calc-amount { font-size: 28px; }
  .calc-result-box .result-value { font-size: 26px; }

  /* CLOSA big text */
  .closa-big { font-size: 48px; right: 0; }

  /* Agency stats grid */
  .agency-stat .stat-num { font-size: 36px; }

  /* Way cards & explore cards */
  .way-card { height: 200px; }
  .explore-card { height: 280px; }

  /* IAM cards */
  .iam-card { height: 160px; }

  /* Footer */
  .footer-col { margin-bottom: 28px; }
}