/* ==========================================================================
   SWISS TRUST — PREMIUM ANIMATION & WIDGET SYSTEM
   ========================================================================== */

/* --- 1. PAGE LOADER --- */
#st-page-loader {
  position: fixed; inset: 0; z-index: 99999;
  background: radial-gradient(ellipse at 60% 40%, rgba(13,139,158,0.18) 0%, transparent 60%),
              linear-gradient(135deg, #050c1b 0%, #0b1b3d 60%, #0a214d 100%);
  display: flex; align-items: center; justify-content: center; flex-direction: column;
  transition: opacity 0.65s cubic-bezier(0.4,0,0.2,1), visibility 0.65s ease;
  will-change: opacity;
}
#st-page-loader.st-loader-hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.st-loader-scene { position: relative; display: flex; flex-direction: column; align-items: center; }
.st-loader-ring-wrap { position: relative; width: 150px; height: 150px; margin-bottom: 28px; }
.st-loader-ring-svg { width: 150px; height: 150px; transform: rotate(-90deg); animation: ldRingRotate 2.5s linear infinite; }
.st-ring-track { fill: none; stroke: rgba(255,255,255,0.05); stroke-width: 2; }
.st-ring-arc { fill: none; stroke-linecap: round; stroke-width: 2.5; stroke-dasharray: 339 339; stroke-dashoffset: 254; animation: ldArcPulse 1.8s ease-in-out infinite; }
.st-ring-arc-gold { stroke: #c59341; }
.st-ring-arc-teal { stroke: #14a2b8; stroke-dashoffset: 310; animation-delay: 0.6s; stroke-width: 1.5; opacity: 0.5; }
@keyframes ldRingRotate { to { transform: rotate(270deg); } }
@keyframes ldArcPulse { 0%,100% { stroke-dashoffset: 280; opacity: 0.6; } 50% { stroke-dashoffset: 60; opacity: 1; } }
.st-loader-orbit { position: absolute; border-radius: 50%; border: 1px solid rgba(197,147,65,0.12); animation: ldOrbitSpin 10s linear infinite; }
.st-loader-orbit-1 { inset: -22px; }
.st-loader-orbit-2 { inset: -42px; border-color: rgba(13,139,158,0.1); border-style: dashed; animation-direction: reverse; animation-duration: 14s; }
@keyframes ldOrbitSpin { to { transform: rotate(360deg); } }
.st-loader-dot-gold { position: absolute; width: 7px; height: 7px; border-radius: 50%; background: #c59341; box-shadow: 0 0 8px rgba(197,147,65,0.8); top: 50%; left: 50%; transform: rotate(0deg) translateX(-75px); animation: ldDotOrbit1 2.5s linear infinite; }
.st-loader-dot-teal { position: absolute; width: 5px; height: 5px; border-radius: 50%; background: #14a2b8; box-shadow: 0 0 6px rgba(20,162,184,0.7); top: 50%; left: 50%; transform: rotate(120deg) translateX(-95px); animation: ldDotOrbit2 3.5s linear infinite; }
@keyframes ldDotOrbit1 { to { transform: rotate(360deg) translateX(-75px); } }
@keyframes ldDotOrbit2 { from { transform: rotate(120deg) translateX(-95px); } to { transform: rotate(480deg) translateX(-95px); } }
.st-loader-logo-center { position: absolute; inset: 0; display: flex; align-items: center; justify-content: center; }
.st-loader-logo-center img { height: 40px; width: auto; animation: ldLogoReveal 0.9s cubic-bezier(0.16,1,0.3,1) 0.3s both; }
@keyframes ldLogoReveal { from { opacity: 0; transform: scale(0.65); filter: blur(4px); } to { opacity: 1; transform: scale(1); filter: blur(0); } }
.st-loader-label { font-family: 'Plus Jakarta Sans',sans-serif; font-size: 12px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(255,255,255,0.55); margin: 0 0 16px; animation: ldLabelFade 2s ease-in-out infinite; }
@keyframes ldLabelFade { 0%,100% { opacity: 0.55; } 50% { opacity: 0.95; } }
.st-loader-progress { width: 160px; height: 2px; background: rgba(255,255,255,0.07); border-radius: 2px; overflow: hidden; }
.st-loader-progress-fill { height: 100%; border-radius: 2px; background: linear-gradient(90deg, #c59341 0%, #14a2b8 50%, #c59341 100%); background-size: 200%; animation: ldProgress 2.3s ease-out forwards, ldProgressShimmer 1.2s linear infinite; }
@keyframes ldProgress { 0% { width: 0%; } 25% { width: 35%; } 60% { width: 72%; } 100% { width: 100%; } }
@keyframes ldProgressShimmer { 0% { background-position: 200% center; } 100% { background-position: -200% center; } }

/* --- 2. PAGE TRANSITION --- */
#st-page-transition { position: fixed; inset: 0; z-index: 99998; background: linear-gradient(135deg,#050c1b 0%,#0b1b3d 100%); opacity: 0; visibility: hidden; transition: opacity 0.28s ease; pointer-events: none; }
#st-page-transition.active { opacity: 1; visibility: visible; pointer-events: all; }

/* --- 3. SCROLL REVEAL --- */
.st-reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.7s cubic-bezier(0.16,1,0.3,1), transform 0.7s cubic-bezier(0.16,1,0.3,1); will-change: opacity,transform; }
.st-reveal.from-left  { transform: translateX(-30px); }
.st-reveal.from-right { transform: translateX(30px); }
.st-reveal.scale-in   { transform: scale(0.93) translateY(16px); }
.st-reveal.visible    { opacity: 1; transform: none; }
.st-stagger > * { opacity: 0; transform: translateY(22px); transition: opacity 0.55s cubic-bezier(0.16,1,0.3,1), transform 0.55s cubic-bezier(0.16,1,0.3,1); }
.st-stagger.visible > *:nth-child(1) { transition-delay: 0ms; }
.st-stagger.visible > *:nth-child(2) { transition-delay: 90ms; }
.st-stagger.visible > *:nth-child(3) { transition-delay: 180ms; }
.st-stagger.visible > *:nth-child(4) { transition-delay: 270ms; }
.st-stagger.visible > *:nth-child(5) { transition-delay: 360ms; }
.st-stagger.visible > *:nth-child(6) { transition-delay: 450ms; }
.st-stagger.visible > * { opacity: 1; transform: none; }

/* --- 4. HERO CANVAS & GRID --- */
#st-hero-canvas { position: absolute; inset: 0; pointer-events: none; z-index: 1; opacity: 0.5; }
.st-hero-grid { position: absolute; inset: 0; pointer-events: none; z-index: 1; background-image: linear-gradient(rgba(255,255,255,0.02) 1px,transparent 1px), linear-gradient(90deg,rgba(255,255,255,0.02) 1px,transparent 1px); background-size: 55px 55px; mask-image: radial-gradient(ellipse at 75% 50%,rgba(0,0,0,0.7) 0%,transparent 70%); }

/* --- 5. STATS BAR --- */
.st-stats-bar { background: linear-gradient(135deg,#060e20 0%,#0c1e3d 100%); padding: 64px 0; position: relative; overflow: hidden; border-top: 1px solid rgba(255,255,255,0.04); border-bottom: 1px solid rgba(255,255,255,0.04); }
.st-stats-bar::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse at 15% 50%,rgba(13,139,158,0.10) 0%,transparent 55%), radial-gradient(ellipse at 85% 50%,rgba(197,147,65,0.08) 0%,transparent 55%); pointer-events: none; }
.st-counter-item { text-align: center; position: relative; z-index: 1; padding: 8px 24px; }
.st-counter-item + .st-counter-item::before { content: ''; position: absolute; left: 0; top: 50%; transform: translateY(-50%); width: 1px; height: 52px; background: rgba(255,255,255,0.07); }
.st-counter-number { font-size: 48px; font-weight: 800; color: #fff; line-height: 1; display: block; letter-spacing: -0.04em; font-family: 'Plus Jakarta Sans',sans-serif; }
.st-counter-suffix { color: #d4a054; display: inline; }
.st-counter-label { font-size: 12.5px; color: rgba(255,255,255,0.55); font-weight: 600; text-transform: uppercase; letter-spacing: 0.12em; display: block; margin-top: 10px; }

/* --- 6. BANKING WIDGET --- */
.st-banking-widget { background: linear-gradient(145deg,#0b1b3d 0%,#0e264e 100%); border-radius: 26px; padding: 28px 26px; color: #fff; box-shadow: 0 30px 70px rgba(0,0,0,0.5), 0 0 0 1px rgba(255,255,255,0.07), inset 0 1px 0 rgba(255,255,255,0.1); position: relative; overflow: hidden; max-width: 360px; transition: transform 0.35s cubic-bezier(0.16,1,0.3,1), box-shadow 0.35s ease; }
.st-banking-widget:hover { transform: translateY(-6px); box-shadow: 0 40px 80px rgba(0,0,0,0.55), 0 0 0 1px rgba(197,147,65,0.2), inset 0 1px 0 rgba(255,255,255,0.12); }
.st-banking-widget::before { content: ''; position: absolute; top: -70px; right: -70px; width: 180px; height: 180px; border-radius: 50%; background: radial-gradient(circle,rgba(197,147,65,0.15) 0%,transparent 70%); pointer-events: none; }
.st-banking-widget::after { content: ''; position: absolute; bottom: -50px; left: -50px; width: 140px; height: 140px; border-radius: 50%; background: radial-gradient(circle,rgba(13,139,158,0.10) 0%,transparent 70%); pointer-events: none; }
.st-bw-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 20px; }
.st-bw-bank-name { font-size: 13px; font-weight: 700; color: rgba(255,255,255,0.85); letter-spacing: 0.04em; }
.st-bw-secure { display: inline-flex; align-items: center; gap: 5px; background: rgba(52,211,153,0.12); color: #34d399; font-size: 10.5px; font-weight: 700; padding: 4px 10px; border-radius: 20px; border: 1px solid rgba(52,211,153,0.25); }
.st-bw-balance-label { font-size: 11px; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 5px; }
.st-bw-balance { font-size: 30px; font-weight: 800; color: #fff; letter-spacing: -0.02em; display: flex; align-items: center; gap: 10px; }
.st-bw-balance-masked { font-size: 22px; letter-spacing: 0.12em; color: rgba(255,255,255,0.65); }
.st-bw-eye-btn { background: transparent; border: none; color: rgba(255,255,255,0.35); cursor: pointer; padding: 0; font-size: 14px; transition: color 0.2s; }
.st-bw-eye-btn:hover { color: rgba(255,255,255,0.8); }
.st-bw-acct { font-size: 11px; color: rgba(255,255,255,0.3); font-family: 'Courier New',monospace; margin-top: 4px; margin-bottom: 22px; }
.st-bw-divider { height: 1px; background: rgba(255,255,255,0.06); margin: 18px 0; }
.st-bw-actions { display: grid; grid-template-columns: repeat(4,1fr); gap: 8px; margin-bottom: 20px; }
.st-bw-action { display: flex; flex-direction: column; align-items: center; gap: 6px; cursor: pointer; border: none; background: transparent; padding: 0; transition: transform 0.2s ease; }
.st-bw-action:hover { transform: translateY(-3px); }
.st-bw-action:hover .st-bw-icon { background: rgba(197,147,65,0.25); border-color: rgba(197,147,65,0.4); }
.st-bw-icon { width: 44px; height: 44px; border-radius: 14px; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.09); display: flex; align-items: center; justify-content: center; font-size: 16px; color: #d4a054; transition: all 0.25s ease; }
.st-bw-action-label { font-size: 10px; color: rgba(255,255,255,0.5); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }
.st-bw-activity-title { font-size: 11px; font-weight: 700; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 12px; }
.st-bw-tx { display: flex; align-items: center; gap: 12px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.04); }
.st-bw-tx:last-child { border-bottom: none; }
.st-bw-tx-ico { width: 34px; height: 34px; border-radius: 10px; background: rgba(255,255,255,0.05); display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.st-bw-tx-info { flex: 1; min-width: 0; }
.st-bw-tx-name { font-size: 12.5px; font-weight: 600; color: rgba(255,255,255,0.85); display: block; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.st-bw-tx-date { font-size: 11px; color: rgba(255,255,255,0.35); }
.st-bw-tx-amount { font-size: 13px; font-weight: 700; color: #fff; white-space: nowrap; }
.st-bw-tx-amount.credit { color: #34d399; }
.st-bw-tx-amount.debit  { color: #f87171; }

/* --- 7. SECURITY ORBS --- */
.st-security-orb { position: relative; width: 230px; height: 230px; margin: 0 auto; }
.st-sec-ring { position: absolute; border-radius: 50%; border: 1.5px solid; animation: secRingPulse 3.5s ease-in-out infinite; }
.st-sec-ring:nth-child(1) { inset: 0; border-color: rgba(197,147,65,0.25); }
.st-sec-ring:nth-child(2) { inset: 16px; border-color: rgba(13,139,158,0.3); animation-delay: 0.7s; }
.st-sec-ring:nth-child(3) { inset: 32px; border-color: rgba(197,147,65,0.15); animation-delay: 1.4s; }
@keyframes secRingPulse { 0%,100% { opacity: 0.4; transform: scale(1); } 50% { opacity: 0.9; transform: scale(1.025); } }
.st-sec-center { position: absolute; inset: 52px; border-radius: 50%; background: linear-gradient(145deg,#0d1e40,#172e5c); display: flex; align-items: center; justify-content: center; box-shadow: 0 0 0 1px rgba(255,255,255,0.08), 0 0 40px rgba(13,139,158,0.2); }
.st-sec-center i { font-size: 48px; color: #c59341; filter: drop-shadow(0 0 10px rgba(197,147,65,0.5)); animation: secShieldGlow 2.8s ease-in-out infinite; }
@keyframes secShieldGlow { 0%,100% { filter: drop-shadow(0 0 6px rgba(197,147,65,0.35)); } 50% { filter: drop-shadow(0 0 18px rgba(197,147,65,0.75)); } }
.st-sec-orbit { position: absolute; inset: 8px; border-radius: 50%; animation: secOrbit 7s linear infinite; }
.st-sec-orbit-dot { position: absolute; width: 9px; height: 9px; border-radius: 50%; background: #c59341; top: -4.5px; left: calc(50% - 4.5px); box-shadow: 0 0 8px rgba(197,147,65,0.7); }
.st-sec-orbit-2 { position: absolute; inset: 24px; border-radius: 50%; animation: secOrbit 4.5s linear infinite reverse; }
.st-sec-orbit-dot-2 { position: absolute; width: 7px; height: 7px; border-radius: 50%; background: #14a2b8; top: -3.5px; left: calc(50% - 3.5px); box-shadow: 0 0 7px rgba(20,162,184,0.7); }
@keyframes secOrbit { to { transform: rotate(360deg); } }
.st-sec-check { position: absolute; bottom: 14px; right: 14px; width: 28px; height: 28px; border-radius: 50%; background: #10b981; display: flex; align-items: center; justify-content: center; font-size: 13px; color: #fff; box-shadow: 0 4px 12px rgba(16,185,129,0.4); animation: secCheckReveal 0.5s cubic-bezier(0.16,1,0.3,1) 1.2s both; }
@keyframes secCheckReveal { from { transform: scale(0) rotate(-90deg); opacity: 0; } to { transform: scale(1) rotate(0deg); opacity: 1; } }

/* --- 8. FINANCIAL GRAPH (SVG) --- */
.st-graph-wrap { position: relative; padding: 16px 0; }
.st-graph-svg { width: 100%; height: 160px; overflow: visible; }
.st-graph-area { fill: url(#graphGradient); opacity: 0; transition: opacity 1.2s ease 0.6s; }
.st-graph-area.animated { opacity: 1; }
.st-graph-path { fill: none; stroke: #c59341; stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1200; stroke-dashoffset: 1200; transition: stroke-dashoffset 1.8s cubic-bezier(0.4,0,0.2,1); }
.st-graph-path.animated { stroke-dashoffset: 0; }
.st-graph-glow-path { fill: none; stroke: rgba(197,147,65,0.3); stroke-width: 7; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1200; stroke-dashoffset: 1200; filter: blur(5px); transition: stroke-dashoffset 1.8s cubic-bezier(0.4,0,0.2,1) 0.1s; }
.st-graph-glow-path.animated { stroke-dashoffset: 0; }
.st-graph-dot-point { fill: #d4a054; filter: drop-shadow(0 0 5px rgba(197,147,65,0.7)); opacity: 0; transition: opacity 0.3s ease, transform 0.3s cubic-bezier(0.34,1.56,0.64,1); }
.st-graph-dot-point.animated { opacity: 1; }
.st-graph-grid-line { stroke: rgba(8,20,43,0.06); stroke-width: 1; stroke-dasharray: 4 4; }
.st-graph-label { font-family: 'Plus Jakarta Sans',sans-serif; font-size: 10px; fill: rgba(8,20,43,0.4); font-weight: 600; }

/* --- 9. SKELETON LOADERS --- */
@keyframes skeletonShimmer { 0% { background-position: -600px 0; } 100% { background-position: 600px 0; } }
.st-skeleton { background: linear-gradient(90deg,rgba(8,20,43,0.04) 25%,rgba(8,20,43,0.10) 50%,rgba(8,20,43,0.04) 75%); background-size: 600px 100%; animation: skeletonShimmer 1.6s infinite linear; border-radius: 8px; }
.st-sk-line  { height: 15px; border-radius: 4px; margin-bottom: 10px; }
.st-sk-title { height: 26px; width: 55%; border-radius: 6px; margin-bottom: 14px; }
.st-sk-card  { border-radius: 20px; height: 180px; width: 100%; }
.st-btn-loading { position: relative; pointer-events: none; color: transparent !important; }
.st-btn-loading::before { content: ''; position: absolute; inset: 0; margin: auto; width: 18px; height: 18px; border: 2px solid rgba(255,255,255,0.3); border-top-color: #fff; border-radius: 50%; animation: btnSpinner 0.7s linear infinite; }
@keyframes btnSpinner { to { transform: rotate(360deg); } }

/* --- 10. BUTTON MICRO-INTERACTIONS --- */
.st-btn-gold,.st-btn-navy,.st-btn-banking,.st-btn-subscribe { position: relative; overflow: hidden; }
.st-btn-gold i,.st-btn-navy i,.st-btn-banking i { display: inline-block; transition: transform 0.28s cubic-bezier(0.16,1,0.3,1); }
.st-btn-gold:hover i,.st-btn-navy:hover i,.st-btn-banking:hover i { transform: translateX(5px); }

/* --- 11. MOBILE TOGGLE --- */
.st-mobile-toggle { transition: transform 0.25s ease; }
.st-mobile-toggle.is-active { transform: rotate(90deg); }

/* --- 12. STICKY HEADER COMPACT --- */
.st-header-sticky.is-stuck .st-logo img { height: 38px; transition: height 0.3s ease; }
.st-header-sticky.is-stuck .st-nav-card { padding: 6px 20px; }

/* --- 13. PROGRESS BAR --- */
.st-progress-track { height: 7px; background: rgba(8,20,43,0.07); border-radius: 8px; overflow: hidden; margin: 8px 0; }
.st-progress-fill { height: 100%; border-radius: 8px; background: linear-gradient(90deg,#c59341,#d4a054); width: 0%; transition: width 1.3s cubic-bezier(0.4,0,0.2,1); position: relative; }
.st-progress-fill::after { content: ''; position: absolute; top: 0; right: 0; bottom: 0; width: 40px; background: linear-gradient(90deg,transparent,rgba(255,255,255,0.35)); border-radius: 0 8px 8px 0; animation: progressGlow 1.5s ease-in-out infinite; }
@keyframes progressGlow { 0%,100% { opacity: 0; } 50% { opacity: 1; } }

/* --- 14. BG GRIDS --- */
.st-bg-grid { position: absolute; inset: 0; pointer-events: none; z-index: 0; background-image: linear-gradient(rgba(255,255,255,0.023) 1px,transparent 1px), linear-gradient(90deg,rgba(255,255,255,0.023) 1px,transparent 1px); background-size: 48px 48px; mask-image: radial-gradient(ellipse at 70% 40%,rgba(0,0,0,0.7) 0%,transparent 75%); }
.st-bg-grid-light { position: absolute; inset: 0; pointer-events: none; z-index: 0; background-image: linear-gradient(rgba(8,20,43,0.028) 1px,transparent 1px), linear-gradient(90deg,rgba(8,20,43,0.028) 1px,transparent 1px); background-size: 48px 48px; }

/* --- 15. ICON ANIMATIONS --- */
.st-service-card .st-service-icon-box i,.st-pillar-card .st-pillar-icon i { transition: transform 0.3s cubic-bezier(0.16,1,0.3,1); }
.st-service-card:hover .st-service-icon-box i { transform: scale(1.15) rotate(-5deg); }
.st-pillar-card:hover .st-pillar-icon i { transform: scale(1.2); }
.st-service-link i { transition: transform 0.28s cubic-bezier(0.16,1,0.3,1); }
.st-service-card:hover .st-service-link i { transform: translateX(6px); }
.st-icon-animate-pop:hover i { animation: iconPop 0.45s cubic-bezier(0.34,1.56,0.64,1); }
@keyframes iconPop { 0% { transform: scale(1); } 50% { transform: scale(1.25); } 100% { transform: scale(1); } }

/* --- 16. TOAST NOTIFICATIONS --- */
.st-toast-container { position: fixed; bottom: 24px; right: 24px; z-index: 9990; display: flex; flex-direction: column; gap: 12px; pointer-events: none; }
.st-toast { display: flex; align-items: center; gap: 14px; background: rgba(8,20,43,0.97); backdrop-filter: blur(14px); border: 1px solid rgba(255,255,255,0.08); border-radius: 16px; padding: 14px 20px; color: #fff; font-size: 14px; font-weight: 600; box-shadow: 0 12px 30px rgba(0,0,0,0.4); pointer-events: all; min-width: 280px; max-width: 360px; animation: toastSlideIn 0.45s cubic-bezier(0.16,1,0.3,1) both; }
.st-toast.leaving { animation: toastSlideOut 0.35s ease both; }
.st-toast-icon { width: 36px; height: 36px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-size: 16px; flex-shrink: 0; }
.st-toast.success .st-toast-icon { background: rgba(16,185,129,0.2); color: #34d399; }
.st-toast.info    .st-toast-icon { background: rgba(197,147,65,0.2); color: #d4a054; }
.st-toast.error   .st-toast-icon { background: rgba(248,113,113,0.2); color: #f87171; }
@keyframes toastSlideIn { from { transform: translateX(120%); opacity: 0; } to { transform: translateX(0); opacity: 1; } }
@keyframes toastSlideOut { to { transform: translateX(120%); opacity: 0; } }

/* --- 17. ENHANCED CARDS --- */
.st-service-card,.st-loan-card,.st-team-card { transition: transform 0.32s cubic-bezier(0.16,1,0.3,1), box-shadow 0.32s ease, border-color 0.32s ease; }

/* --- 17B. RIPPLE EFFECT --- */
.st-ripple {
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.32);
  transform: scale(0);
  animation: stRippleAnim 0.65s cubic-bezier(0, 0, 0.2, 1);
  pointer-events: none;
}
@keyframes stRippleAnim {
  to {
    transform: scale(3.5);
    opacity: 0;
  }
}

/* --- 17C. SAVINGS GOAL CIRCLE WIDGET --- */
.st-goal-card {
  background: linear-gradient(145deg, #08142b 0%, #0d214a 100%);
  border-radius: 24px;
  padding: 26px 24px;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.4), inset 0 1px 0 rgba(255, 255, 255, 0.1);
  position: relative;
  overflow: hidden;
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.35s ease;
}
.st-goal-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 30px 70px rgba(0, 0, 0, 0.48), 0 0 0 1px rgba(197, 147, 65, 0.2);
}
.st-goal-card::before {
  content: '';
  position: absolute;
  top: -50px;
  right: -50px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(197, 147, 65, 0.15) 0%, transparent 70%);
  pointer-events: none;
}
.st-goal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}
.st-goal-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(197, 147, 65, 0.15);
  border: 1px solid rgba(197, 147, 65, 0.3);
  color: #d4a054;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.st-goal-body {
  display: flex;
  align-items: center;
  gap: 22px;
}
.st-goal-circle-wrap {
  position: relative;
  width: 104px;
  height: 104px;
  flex-shrink: 0;
}
.st-goal-svg {
  width: 104px;
  height: 104px;
  transform: rotate(-90deg);
}
.st-goal-bg-track {
  fill: none;
  stroke: rgba(255, 255, 255, 0.08);
  stroke-width: 7;
}
.st-goal-arc {
  fill: none;
  stroke: #c59341;
  stroke-width: 7;
  stroke-linecap: round;
  stroke-dasharray: 245;
  stroke-dashoffset: 245;
  transition: stroke-dashoffset 1.4s cubic-bezier(0.16, 1, 0.3, 1);
}
.st-goal-percent-text {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}
.st-goal-percent-val {
  font-size: 21px;
  font-weight: 800;
  color: #fff;
  line-height: 1;
  font-family: 'Plus Jakarta Sans', sans-serif;
}
.st-goal-percent-lbl {
  font-size: 9px;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 3px;
}
.st-goal-meta {
  flex: 1;
  min-width: 0;
}
.st-goal-name {
  font-size: 16px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 3px;
}
.st-goal-sub {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: 12px;
}
.st-goal-stats {
  display: flex;
  gap: 16px;
}
.st-goal-stat-item {
  display: flex;
  flex-direction: column;
}
.st-goal-stat-num {
  font-size: 13.5px;
  font-weight: 700;
  color: #d4a054;
}
.st-goal-stat-label {
  font-size: 10px;
  color: rgba(255, 255, 255, 0.45);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* --- 17D. PULSE DOT STATUS --- */
.st-pulse-dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #10b981;
  position: relative;
}
.st-pulse-dot::after {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 2px solid #10b981;
  opacity: 0.6;
  animation: stDotPulse 1.8s ease-out infinite;
}
@keyframes stDotPulse {
  0% { transform: scale(0.8); opacity: 0.8; }
  100% { transform: scale(2.2); opacity: 0; }
}

/* --- 18. REDUCED MOTION --- */
@media (prefers-reduced-motion: reduce) {
  *,*::before,*::after { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; }
  .st-reveal,.st-stagger > * { opacity: 1 !important; transform: none !important; transition: none !important; }
  #st-page-loader { display: none !important; }
  #st-hero-canvas { display: none !important; }
}

/* --- 19. MOBILE --- */
@media (max-width: 767px) {
  .st-banking-widget { max-width: 100%; }
  .st-security-orb { width: 190px; height: 190px; }
  .st-counter-number { font-size: 36px; }
  .st-counter-item + .st-counter-item::before { display: none; }
  .st-loader-ring-wrap,.st-loader-ring-svg { width: 120px; height: 120px; }
  .st-toast-container { bottom: 16px; right: 16px; left: 16px; }
  .st-toast { min-width: unset; max-width: 100%; }
}
@media (max-width: 480px) {
  .st-counter-number { font-size: 30px; }
  .st-counter-label { font-size: 11px; }
}