/* ═══════════════════════════════════════════════════════
   Cyprus Union Savings Bank – Global Stylesheet
   ═══════════════════════════════════════════════════════ */

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

:root {
  --navy:    #002855;
  --navy2:   #003a7a;
  --navy3:   #001836;
  --gold:    #c8a951;
  --gold2:   #b8943f;
  --light:   #f4f7fb;
  --light2:  #e8eef6;
  --text:    #1a2a3a;
  --muted:   #5a7490;
  --border:  #d0dce8;
  --white:   #ffffff;
  --success: #1a7f5a;
  --radius:  12px;
  --radius-sm: 8px;
  --shadow:  0 4px 24px rgba(0,40,85,.10);
  --shadow-lg: 0 8px 40px rgba(0,40,85,.16);
  --transition: .22s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, Arial, sans-serif;
  background: var(--light);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
}

/* ── TYPOGRAPHY ── */
h1,h2,h3,h4,h5 { line-height: 1.2; font-weight: 800; color: var(--navy); }
a { color: var(--navy2); text-decoration: none; }

/* ── UTILITY ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 5%; }
.section { padding: 80px 0; }
.section-sm { padding: 52px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--muted); }
.fw-700 { font-weight: 700; }

.section-header { text-align: center; margin-bottom: 52px; }
.section-header h2 { font-size: clamp(1.7rem, 3vw, 2.5rem); margin-bottom: 12px; }
.section-header p { color: var(--muted); max-width: 540px; margin: 0 auto; font-size: 1.02rem; }

/* ── BUTTONS ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: .95rem;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn-primary:hover { background: var(--navy2); border-color: var(--navy2); transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.btn-gold:hover { background: var(--gold2); border-color: var(--gold2); transform: translateY(-1px); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-outline-white:hover { background: rgba(255,255,255,.12); border-color: var(--white); }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 9px 20px; font-size: .87rem; }

/* ── BADGE ── */
.badge {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.badge-gold { background: rgba(200,169,81,.15); color: var(--gold2); border: 1px solid rgba(200,169,81,.35); }
.badge-navy { background: rgba(0,40,85,.08); color: var(--navy); border: 1px solid rgba(0,40,85,.15); }
.badge-white { background: rgba(255,255,255,.15); color: var(--white); border: 1px solid rgba(255,255,255,.3); }

/* ══════════════════════════════════
   NAVIGATION
══════════════════════════════════ */
.navbar {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,.22);
}
.nav-inner {
  display: flex;
  align-items: center;
  height: 72px;
  gap: 0;
}
.nav-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; margin-right: 36px; }
.nav-logo img { height: 38px; filter: brightness(0) invert(1); }
.nav-logo .bank-name {
  color: var(--white);
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .02em;
  line-height: 1.2;
  max-width: 100px;
  display: none;
}

.nav-menu { display: flex; align-items: center; list-style: none; gap: 4px; flex: 1; }
.nav-menu > li { position: relative; }
.nav-menu > li > a {
  color: rgba(255,255,255,.82);
  font-size: .9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 6px;
  display: block;
  transition: var(--transition);
}
.nav-menu > li > a:hover,
.nav-menu > li > a.active { color: var(--white); background: rgba(255,255,255,.1); }

/* Dropdown */
.nav-menu .dropdown { position: relative; }
.nav-menu .dropdown > a::after { content: '▾'; font-size: .7rem; margin-left: 5px; opacity: .7; }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-lg);
  min-width: 210px;
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: var(--transition);
  z-index: 200;
}
.dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu a {
  display: block;
  padding: 10px 18px;
  font-size: .88rem;
  color: var(--text);
  font-weight: 500;
  transition: var(--transition);
}
.dropdown-menu a:hover { background: var(--light); color: var(--navy); }

.nav-actions { display: flex; align-items: center; gap: 10px; margin-left: auto; }
.nav-actions .btn { padding: 9px 20px; font-size: .87rem; }

/* Mobile nav toggle */
.nav-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); margin: 5px 0; border-radius: 2px; transition: var(--transition); }

/* ══════════════════════════════════
   HERO
══════════════════════════════════ */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 55%, #004fa3 100%);
  color: var(--white);
  padding: 96px 0 80px;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  right: -120px; top: -80px;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(200,169,81,.12) 0%, transparent 65%);
  pointer-events: none;
}
.hero-content { max-width: 640px; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); color: var(--white); margin-bottom: 20px; }
.hero h1 span { color: var(--gold); }
.hero p { font-size: 1.12rem; color: rgba(255,255,255,.82); margin-bottom: 36px; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ══════════════════════════════════
   STATS STRIP
══════════════════════════════════ */
.stats-strip {
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.stats-grid { display: flex; justify-content: space-around; flex-wrap: wrap; gap: 0; }
.stat-item { text-align: center; padding: 36px 24px; flex: 1; min-width: 160px; border-right: 1px solid var(--border); }
.stat-item:last-child { border-right: none; }
.stat-value { font-size: 2.1rem; font-weight: 800; color: var(--navy); }
.stat-label { font-size: .84rem; color: var(--muted); margin-top: 4px; }

/* ══════════════════════════════════
   CARDS
══════════════════════════════════ */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px 28px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  background: rgba(0,40,85,.07);
}
.card-icon svg { width: 28px; height: 28px; stroke: var(--navy); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.card h3 { font-size: 1.08rem; margin-bottom: 10px; }
.card p { font-size: .9rem; color: var(--muted); line-height: 1.65; }
.card .card-link { display: inline-flex; align-items: center; gap: 5px; margin-top: 16px; font-size: .88rem; font-weight: 700; color: var(--navy2); transition: gap var(--transition); }
.card .card-link:hover { gap: 9px; }

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ══════════════════════════════════
   PRODUCT BANNER (colored)
══════════════════════════════════ */
.product-banner {
  border-radius: var(--radius);
  padding: 40px 36px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.product-banner h3 { font-size: 1.4rem; color: var(--white); margin-bottom: 10px; }
.product-banner p { color: rgba(255,255,255,.82); font-size: .95rem; margin-bottom: 24px; }
.product-banner.navy-bg { background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%); }
.product-banner.gold-bg { background: linear-gradient(135deg, #a07830 0%, var(--gold) 100%); }
.product-banner.teal-bg { background: linear-gradient(135deg, #0a6e6e 0%, #0d9488 100%); }
.product-banner.slate-bg { background: linear-gradient(135deg, #334155 0%, #475569 100%); }

/* ══════════════════════════════════
   TABLE
══════════════════════════════════ */
.rates-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.rates-table thead { background: var(--navy); color: var(--white); }
.rates-table thead th { padding: 16px 20px; text-align: left; font-size: .88rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.rates-table tbody tr { border-bottom: 1px solid var(--border); }
.rates-table tbody tr:last-child { border-bottom: none; }
.rates-table tbody tr:hover { background: var(--light); }
.rates-table td { padding: 15px 20px; font-size: .93rem; }
.rates-table td:not(:first-child) { color: var(--muted); }
.rates-table .highlight { color: var(--navy); font-weight: 700; }

/* ══════════════════════════════════
   ACCORDION (FAQ)
══════════════════════════════════ */
.accordion { border: 1.5px solid var(--border); border-radius: var(--radius); overflow: hidden; background: var(--white); box-shadow: var(--shadow); }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-item:last-child { border-bottom: none; }
.accordion-btn {
  width: 100%; text-align: left; padding: 20px 24px;
  background: none; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between;
  font-size: 1rem; font-weight: 600; color: var(--navy);
  transition: background var(--transition);
}
.accordion-btn:hover { background: var(--light); }
.accordion-btn.open { background: var(--light); }
.accordion-icon { width: 22px; height: 22px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform var(--transition); }
.accordion-icon::after { content: '+'; color: var(--white); font-size: 1rem; line-height: 1; }
.accordion-btn.open .accordion-icon { transform: rotate(45deg); }
.accordion-body { display: none; padding: 0 24px 20px; color: var(--muted); font-size: .94rem; line-height: 1.7; }
.accordion-body.open { display: block; }

/* ══════════════════════════════════
   FORM
══════════════════════════════════ */
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--navy); margin-bottom: 7px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 12px 15px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-size: .95rem; color: var(--text); background: #f9fafc;
  outline: none; transition: border-color var(--transition), box-shadow var(--transition);
  font-family: inherit;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--navy2);
  box-shadow: 0 0 0 3px rgba(0,58,122,.1);
  background: var(--white);
}
.form-group textarea { resize: vertical; min-height: 130px; }

/* ══════════════════════════════════
   PAGE HERO (inner pages)
══════════════════════════════════ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 64px 0 56px;
  color: var(--white);
  text-align: center;
}
.page-hero h1 { font-size: clamp(1.8rem, 4vw, 3rem); color: var(--white); margin-bottom: 12px; }
.page-hero p { font-size: 1.05rem; color: rgba(255,255,255,.8); max-width: 560px; margin: 0 auto; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: .84rem; color: rgba(255,255,255,.6); margin-bottom: 16px; }
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { color: rgba(255,255,255,.4); }

/* ══════════════════════════════════
   CTA BANNER
══════════════════════════════════ */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 100%);
  padding: 72px 0;
  text-align: center;
  color: var(--white);
}
.cta-section h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); color: var(--white); margin-bottom: 14px; }
.cta-section p { color: rgba(255,255,255,.8); font-size: 1.02rem; margin-bottom: 32px; }
.cta-actions { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ══════════════════════════════════
   TESTIMONIALS
══════════════════════════════════ */
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow);
  position: relative;
}
.testimonial-card::before { content: '\201C'; font-size: 4rem; color: var(--gold); line-height: 1; position: absolute; top: 12px; left: 22px; font-family: Georgia, serif; }
.testimonial-text { font-size: .95rem; color: var(--text); line-height: 1.7; margin-top: 20px; margin-bottom: 20px; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: .9rem; flex-shrink: 0; }
.author-name { font-weight: 700; font-size: .9rem; color: var(--navy); }
.author-role { font-size: .82rem; color: var(--muted); }
.stars { color: var(--gold); font-size: .88rem; margin-bottom: 6px; }

/* ══════════════════════════════════
   FOOTER
══════════════════════════════════ */
.footer { background: var(--navy3); color: rgba(255,255,255,.55); }
.footer-top { padding: 60px 0 40px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand img { height: 32px; margin-bottom: 14px; filter: brightness(0) invert(1); display: block; }
.footer-brand p { font-size: .88rem; line-height: 1.7; max-width: 260px; }
.footer-brand .footer-contact { margin-top: 16px; font-size: .85rem; }
.footer-brand .footer-contact a { color: rgba(255,255,255,.65); display: block; margin-bottom: 4px; }
.footer-brand .footer-contact a:hover { color: var(--white); }
.footer-col h4 { color: var(--white); font-size: .82rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px; }
.footer-col a { display: block; color: rgba(255,255,255,.55); font-size: .88rem; margin-bottom: 9px; transition: color var(--transition); }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  padding: 22px 0;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: .8rem;
}
.footer-badges { display: flex; gap: 10px; flex-wrap: wrap; }
.footer-badge {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.14);
  border-radius: 6px;
  padding: 5px 12px;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .05em;
  color: rgba(255,255,255,.65);
}
.footer-legal { display: flex; gap: 20px; flex-wrap: wrap; }
.footer-legal a { color: rgba(255,255,255,.45); font-size: .8rem; }
.footer-legal a:hover { color: var(--white); }

/* ══════════════════════════════════
   PROCESS STEPS
══════════════════════════════════ */
.steps { display: flex; gap: 0; position: relative; }
.steps::before { content: ''; position: absolute; top: 28px; left: 28px; right: 28px; height: 2px; background: var(--border); z-index: 0; }
.step { flex: 1; text-align: center; position: relative; z-index: 1; padding: 0 16px; }
.step-num { width: 56px; height: 56px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 800; font-size: 1.2rem; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; box-shadow: 0 4px 16px rgba(0,40,85,.25); }
.step h4 { font-size: 1rem; color: var(--navy); margin-bottom: 8px; }
.step p { font-size: .88rem; color: var(--muted); }

/* ══════════════════════════════════
   ALERT / INFO BOX
══════════════════════════════════ */
.info-box { border-radius: var(--radius-sm); padding: 18px 22px; font-size: .9rem; display: flex; gap: 12px; align-items: flex-start; }
.info-box.info { background: #e8f0fb; border-left: 4px solid var(--navy); color: var(--navy); }
.info-box.gold { background: #fdf6e3; border-left: 4px solid var(--gold); color: #6b5000; }
.info-box.success { background: #e6f6ef; border-left: 4px solid var(--success); color: var(--success); }

/* ══════════════════════════════════
   LEGAL PAGES
══════════════════════════════════ */
.legal-content { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow); padding: 52px 56px; }
.legal-content h2 { font-size: 1.4rem; margin: 36px 0 12px; color: var(--navy); }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p { color: var(--muted); margin-bottom: 14px; font-size: .95rem; line-height: 1.75; }
.legal-content ul { margin: 10px 0 14px 22px; }
.legal-content ul li { color: var(--muted); font-size: .95rem; margin-bottom: 7px; line-height: 1.65; }
.legal-meta { font-size: .82rem; color: var(--muted); margin-bottom: 32px; padding-bottom: 24px; border-bottom: 1px solid var(--border); }

/* ══════════════════════════════════
   RESPONSIVE
══════════════════════════════════ */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .steps { flex-direction: column; }
  .steps::before { display: none; }
  .step { padding: 0; text-align: left; display: flex; align-items: flex-start; gap: 16px; margin-bottom: 24px; }
  .step-num { margin: 0; flex-shrink: 0; width: 44px; height: 44px; font-size: 1rem; }
  .footer-top { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .nav-menu, .nav-actions { display: none; }
  .nav-toggle { display: block; margin-left: auto; }
  .navbar.open .nav-menu {
    display: flex; flex-direction: column; align-items: flex-start;
    position: absolute; top: 72px; left: 0; right: 0;
    background: var(--navy3); padding: 16px 5% 24px;
    border-top: 1px solid rgba(255,255,255,.1);
    gap: 2px;
  }
  .navbar.open .nav-menu .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; background: rgba(255,255,255,.05); border-radius: 8px; padding: 4px 0; margin: 4px 0 4px 16px; }
  .navbar.open .nav-menu .dropdown-menu a { color: rgba(255,255,255,.7); }
  .navbar.open .nav-actions { display: flex; position: absolute; bottom: 0; left: 0; right: 0; padding: 16px 5%; background: var(--navy3); border-top: 1px solid rgba(255,255,255,.08); }
  .stats-grid { flex-direction: column; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--border); }
  .stat-item:last-child { border-bottom: none; }
  .legal-content { padding: 32px 24px; }
}
@media (max-width: 480px) {
  .hero-actions { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
}