/* ==========================================================================
   SWISS TRUST CORPORATE SERVICES - MASTER GLOBAL DESIGN SYSTEM
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,400;1,600&family=Playfair+Display:ital,wght@0,600;0,700;1,400;1,600&display=swap');

:root {
  /* Brand Palette */
  --st-navy-950: #050c1b;
  --st-navy-900: #08142b;
  --st-navy-850: #0b1b3d;
  --st-navy-800: #0e224e;
  --st-navy-700: #15316c;
  --st-navy-600: #1d4088;
  
  /* Teal & Cyan Accents */
  --st-teal-600: #0d8b9e;
  --st-teal-500: #14a2b8;
  --st-cyan-400: #38bdf8;
  --st-cyan-500: #0ea5e9;

  /* Premium Gold Accents */
  --st-gold-700: #8c5e1c;
  --st-gold-600: #ab7629;
  --st-gold-500: #c59341;
  --st-gold-400: #d4a054;
  --st-gold-300: #e5ba73;
  --st-gold-200: #f3dcad;
  --st-gold-100: #faefd8;
  --st-gold-50:  #fdfaf3;

  /* Neutrals & Surfaces */
  --st-white: #ffffff;
  --st-offwhite: #f8fafc;
  --st-cream: #faf7f2;
  --st-cream-border: #efe8dc;
  --st-gray-50: #f8fafc;
  --st-gray-100: #f1f5f9;
  --st-gray-200: #e2e8f0;
  --st-gray-300: #cbd5e1;
  --st-gray-400: #94a3b8;
  --st-gray-500: #64748b;
  --st-gray-600: #475569;
  --st-gray-700: #334155;
  --st-gray-800: #1e293b;
  --st-gray-900: #0f172a;

  /* Typography */
  --st-font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --st-font-serif: 'Playfair Display', Georgia, serif;

  /* Shadows */
  --st-shadow-sm: 0 2px 8px rgba(8, 20, 43, 0.04);
  --st-shadow-md: 0 8px 24px rgba(8, 20, 43, 0.08);
  --st-shadow-lg: 0 16px 36px rgba(8, 20, 43, 0.12);
  --st-shadow-xl: 0 24px 48px -12px rgba(8, 20, 43, 0.18);
  --st-shadow-gold: 0 10px 25px rgba(197, 147, 65, 0.35);

  /* Border Radius */
  --st-radius-sm: 8px;
  --st-radius-md: 14px;
  --st-radius-lg: 20px;
  --st-radius-xl: 28px;
  --st-radius-pill: 9999px;

  /* Transitions */
  --st-transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   GLOBAL RESETS & TYPOGRAPHY
   ========================================================================== */
body {
  font-family: var(--st-font-main) !important;
  color: var(--st-gray-700);
  background-color: var(--st-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  line-height: 1.6;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--st-font-main) !important;
  color: var(--st-navy-850);
  font-weight: 700;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

a {
  text-decoration: none !important;
  transition: var(--st-transition);
}

/* ==========================================================================
   HEADER & NAVIGATION
   ========================================================================== */
.st-topbar {
  background-color: var(--st-navy-850);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 10px 0;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.85);
  position: relative;
  z-index: 1001;
}

.st-topbar a {
  color: rgba(255, 255, 255, 0.88);
}

.st-topbar a:hover {
  color: var(--st-gold-300);
}

.st-topbar-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-right: 24px;
}

.st-topbar-item i {
  color: var(--st-gold-400);
  font-size: 13px;
}

.st-topbar-right {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 16px;
}

.st-topbar-user {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.2);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--st-white);
  background: rgba(255, 255, 255, 0.08);
  transition: var(--st-transition);
}

.st-topbar-user:hover {
  background: var(--st-gold-500);
  border-color: var(--st-gold-500);
  color: var(--st-white);
  transform: translateY(-2px);
}

/* Online Banking Pill Button */
.st-btn-banking {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, #c59341 0%, #aa752b 100%);
  color: var(--st-white) !important;
  font-weight: 600;
  font-size: 13px;
  padding: 8px 20px;
  border-radius: var(--st-radius-pill);
  box-shadow: 0 4px 14px rgba(170, 117, 43, 0.35);
  transition: var(--st-transition);
  border: none;
}

.st-btn-banking:hover {
  background: linear-gradient(135deg, #d4a054 0%, #ba8333 100%);
  box-shadow: 0 6px 18px rgba(170, 117, 43, 0.5);
  transform: translateY(-2px);
  color: var(--st-white) !important;
}

/* Floating White Header Container */
.st-header-wrapper {
  position: absolute;
  top: 55px;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 0 20px;
}

.st-nav-card {
  background: var(--st-white);
  border-radius: var(--st-radius-pill);
  padding: 10px 24px;
  box-shadow: 0 12px 35px rgba(8, 20, 43, 0.12);
  display: flex;
  align-items: center;
  justify-content: space-between;
  border: 1px solid rgba(8, 20, 43, 0.05);
  max-width: 1320px;
  margin: 0 auto;
}

/* Logo styling */
.st-logo img {
  height: 48px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  display: block;
}

/* Nav Menu */
.st-nav-menu ul {
  display: flex;
  align-items: center;
  gap: 28px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.st-nav-menu li a {
  font-size: 14.5px;
  font-weight: 600;
  color: var(--st-navy-850);
  padding: 8px 4px;
  position: relative;
  display: inline-block;
}

.st-nav-menu li a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2.5px;
  background: var(--st-gold-500);
  border-radius: 2px;
  transition: var(--st-transition);
}

.st-nav-menu li a:hover,
.st-nav-menu li.active > a {
  color: var(--st-gold-600);
}

.st-nav-menu li.active > a::after,
.st-nav-menu li a:hover::after {
  width: 100%;
}

/* Nav Actions */
.st-nav-actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

.st-btn-search, .st-mobile-toggle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--st-gray-100);
  border: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--st-navy-850);
  font-size: 15px;
  cursor: pointer;
  transition: var(--st-transition);
}

.st-btn-search:hover, .st-mobile-toggle:hover {
  background: var(--st-gold-500);
  color: var(--st-white);
  transform: translateY(-2px);
}

/* Sticky Header State */
.st-header-sticky {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1050;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 8px 28px rgba(8, 20, 43, 0.08);
  padding: 10px 0;
  transform: translateY(-100%);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  display: block;
}

.st-header-sticky.is-stuck {
  transform: translateY(0);
}

.st-header-sticky .st-nav-card {
  box-shadow: none;
  border: none;
  padding: 4px 15px;
  background: transparent;
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.st-hero-section {
  background-color: var(--st-navy-900);
  background: radial-gradient(circle at 85% 30%, rgba(13, 139, 158, 0.18) 0%, rgba(8, 20, 43, 0) 65%),
              linear-gradient(135deg, #060e1f 0%, #0b1b3d 60%, #0a214d 100%);
  position: relative;
  padding-top: 190px;
  padding-bottom: 90px;
  overflow: hidden;
  color: var(--st-white);
}

/* Background Sweeping Gold / Teal Curve */
.st-hero-curve {
  position: absolute;
  top: 0;
  right: 0;
  width: 55%;
  height: 100%;
  pointer-events: none;
  background: radial-gradient(ellipse at 70% 30%, rgba(197, 147, 65, 0.15) 0%, transparent 70%);
  z-index: 1;
}

.st-hero-content {
  position: relative;
  z-index: 2;
}

.st-eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--st-gold-400);
  margin-bottom: 16px;
}

.st-hero-title {
  font-size: 56px;
  font-weight: 800;
  color: var(--st-white);
  line-height: 1.12;
  margin-bottom: 22px;
  letter-spacing: -0.03em;
}

.st-hero-title .text-gold {
  color: var(--st-gold-400);
  font-family: var(--st-font-serif);
  font-style: italic;
  font-weight: 600;
}

.st-hero-desc {
  font-size: 17px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.82);
  margin-bottom: 34px;
  max-width: 580px;
}

.st-hero-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 22px;
  margin-bottom: 48px;
}

.st-btn-gold {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, #c59341 0%, #aa752b 100%);
  color: var(--st-white) !important;
  font-weight: 600;
  font-size: 15px;
  padding: 14px 32px;
  border-radius: var(--st-radius-pill);
  box-shadow: 0 6px 20px rgba(170, 117, 43, 0.38);
  transition: var(--st-transition);
  border: none;
}

.st-btn-gold:hover {
  background: linear-gradient(135deg, #d4a054 0%, #ba8333 100%);
  box-shadow: 0 10px 28px rgba(170, 117, 43, 0.5);
  transform: translateY(-2px);
  color: var(--st-white) !important;
}

.st-btn-video {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  color: var(--st-white);
  cursor: pointer;
  transition: var(--st-transition);
}

.st-btn-video .play-icon {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, 0.4);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--st-white);
  font-size: 14px;
  padding-left: 3px;
  transition: var(--st-transition);
  background: rgba(255, 255, 255, 0.05);
}

.st-btn-video:hover .play-icon {
  border-color: var(--st-gold-400);
  background: var(--st-gold-500);
  color: var(--st-white);
  transform: scale(1.08);
}

.st-btn-video-text strong {
  display: block;
  font-size: 14.5px;
  color: var(--st-white);
  font-weight: 700;
}

.st-btn-video-text span {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.65);
}

/* Trust Badges in Hero */
.st-hero-trust {
  display: flex;
  align-items: center;
  gap: 36px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.st-trust-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.9);
}

.st-trust-badge i {
  color: var(--st-cyan-400);
  font-size: 17px;
}

/* Hero Right Visual */
.st-hero-visual {
  position: relative;
  z-index: 2;
  text-align: right;
}

.st-hero-img-wrapper {
  position: relative;
  display: inline-block;
  border-radius: var(--st-radius-xl);
  overflow: hidden;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.45);
  max-width: 100%;
}

.st-hero-img-wrapper img {
  width: 100%;
  max-width: 580px;
  height: auto;
  display: block;
  border-radius: var(--st-radius-xl);
  object-fit: cover;
}

.st-signature-quote {
  position: absolute;
  bottom: 24px;
  right: 28px;
  font-family: 'Playfair Display', Georgia, cursive, serif;
  font-style: italic;
  font-size: 26px;
  font-weight: 700;
  color: var(--st-gold-300);
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.7);
  letter-spacing: -0.01em;
  pointer-events: none;
}

/* ==========================================================================
   ABOUT US SECTION
   ========================================================================== */
.st-section {
  padding: 100px 0;
  position: relative;
}

.st-section-title {
  font-size: 38px;
  font-weight: 800;
  color: var(--st-navy-850);
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.st-section-desc {
  font-size: 16px;
  color: var(--st-gray-600);
  line-height: 1.7;
  margin-bottom: 26px;
}

.st-feature-list {
  list-style: none;
  padding: 0;
  margin: 0 0 34px 0;
}

.st-feature-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  font-weight: 600;
  color: var(--st-navy-850);
  margin-bottom: 14px;
}

.st-feature-list li i {
  color: var(--st-gold-500);
  font-size: 16px;
}

.st-btn-navy {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--st-navy-850);
  color: var(--st-white) !important;
  font-weight: 600;
  font-size: 14.5px;
  padding: 13px 30px;
  border-radius: var(--st-radius-pill);
  box-shadow: 0 6px 20px rgba(11, 27, 61, 0.25);
  transition: var(--st-transition);
  border: none;
}

.st-btn-navy:hover {
  background: var(--st-navy-700);
  box-shadow: 0 10px 26px rgba(11, 27, 61, 0.35);
  transform: translateY(-2px);
  color: var(--st-white) !important;
}

/* About Right Visual with Floating Cards */
.st-about-visual-box {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.st-about-image-arch {
  width: 100%;
  max-width: 480px;
  height: 420px;
  border-radius: 40px 140px 40px 40px;
  overflow: hidden;
  box-shadow: var(--st-shadow-xl);
  border: 4px solid var(--st-white);
}

.st-about-image-arch img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.st-about-image-arch:hover img {
  transform: scale(1.05);
}

.st-floating-cards-column {
  position: absolute;
  right: -30px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  z-index: 3;
}

.st-floating-card {
  background: var(--st-white);
  padding: 14px 20px;
  border-radius: var(--st-radius-md);
  box-shadow: 0 12px 30px rgba(8, 20, 43, 0.12);
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 230px;
  border: 1px solid rgba(8, 20, 43, 0.04);
  transition: var(--st-transition);
}

.st-floating-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(8, 20, 43, 0.16);
}

.st-floating-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--st-gold-100);
  color: var(--st-gold-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.st-floating-text strong {
  display: block;
  font-size: 15px;
  color: var(--st-navy-850);
  font-weight: 700;
}

.st-floating-text span {
  font-size: 12.5px;
  color: var(--st-gray-500);
  display: block;
}

/* ==========================================================================
   SERVICES SECTION & SERVICE CARDS
   ========================================================================== */
.st-services-section {
  background: #f8fafc;
  padding: 100px 0;
}

.st-service-card {
  background: var(--st-white);
  border-radius: var(--st-radius-lg);
  padding: 34px 30px;
  border: 1px solid rgba(8, 20, 43, 0.05);
  box-shadow: 0 4px 20px rgba(8, 20, 43, 0.04);
  transition: var(--st-transition);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.st-service-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 36px rgba(8, 20, 43, 0.09);
  border-color: rgba(197, 147, 65, 0.25);
}

.st-service-icon-box {
  width: 58px;
  height: 58px;
  border-radius: var(--st-radius-md);
  background: var(--st-gold-100);
  color: var(--st-gold-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  margin-bottom: 22px;
  transition: var(--st-transition);
}

.st-service-card:hover .st-service-icon-box {
  background: var(--st-gold-500);
  color: var(--st-white);
  transform: scale(1.08);
}

.st-service-title {
  font-size: 20px;
  font-weight: 700;
  color: var(--st-navy-850);
  margin-bottom: 12px;
}

.st-service-desc {
  font-size: 14.5px;
  color: var(--st-gray-600);
  line-height: 1.65;
  margin-bottom: 24px;
  flex-grow: 1;
}

.st-service-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 700;
  color: var(--st-navy-850);
  transition: var(--st-transition);
}

.st-service-link i {
  color: var(--st-gold-500);
  transition: transform 0.25s ease;
}

.st-service-card:hover .st-service-link {
  color: var(--st-gold-600);
}

.st-service-card:hover .st-service-link i {
  transform: translateX(5px);
}

/* ==========================================================================
   WHY CHOOSE US SECTION
   ========================================================================== */
.st-why-section {
  padding: 100px 0;
  background: var(--st-white);
}

.st-pillar-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-top: 36px;
}

.st-pillar-card {
  text-align: center;
  padding: 24px 16px;
  background: var(--st-gray-50);
  border-radius: var(--st-radius-md);
  border: 1px solid var(--st-gray-100);
  transition: var(--st-transition);
}

.st-pillar-card:hover {
  background: var(--st-white);
  transform: translateY(-4px);
  box-shadow: var(--st-shadow-md);
  border-color: rgba(197, 147, 65, 0.2);
}

.st-pillar-icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 14px auto;
  border-radius: 50%;
  background: var(--st-gold-100);
  color: var(--st-gold-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}

.st-pillar-card h5 {
  font-size: 16px;
  font-weight: 700;
  color: var(--st-navy-850);
  margin-bottom: 6px;
}

.st-pillar-card p {
  font-size: 12.5px;
  color: var(--st-gray-500);
  line-height: 1.5;
  margin: 0;
}

.st-why-visual {
  position: relative;
  border-radius: var(--st-radius-xl);
  overflow: hidden;
  box-shadow: var(--st-shadow-xl);
}

.st-why-visual img {
  width: 100%;
  height: auto;
  display: block;
}

.st-why-badge {
  position: absolute;
  bottom: 24px;
  right: 24px;
  background: rgba(8, 20, 43, 0.9);
  backdrop-filter: blur(10px);
  padding: 16px 24px;
  border-radius: var(--st-radius-md);
  border: 1px solid rgba(255, 255, 255, 0.12);
}

.st-why-badge strong {
  display: block;
  font-size: 18px;
  font-weight: 800;
  color: var(--st-white);
}

.st-why-badge span {
  font-size: 15px;
  font-family: var(--st-font-serif);
  font-style: italic;
  color: var(--st-gold-300);
}

/* ==========================================================================
   ASK ANYTHING / CONTACT SKYLINE BANNER
   ========================================================================== */
.st-skyline-banner {
  position: relative;
  padding: 90px 0;
  background: url('../img/brand/banner (2).jpg') center/cover no-repeat;
  color: var(--st-white);
  overflow: hidden;
}

.st-skyline-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(8, 20, 43, 0.94) 0%, rgba(8, 20, 43, 0.78) 50%, rgba(8, 20, 43, 0.88) 100%);
  z-index: 1;
}

.st-skyline-banner .container {
  position: relative;
  z-index: 2;
}

.st-skyline-title {
  color: var(--st-white);
  font-size: 38px;
  font-weight: 800;
  margin-bottom: 14px;
}

.st-skyline-desc {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.85);
  max-width: 520px;
  margin: 0;
}

.st-contact-cards-row {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 20px;
}

.st-contact-card-glass {
  background: rgba(11, 27, 61, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--st-radius-md);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--st-white);
  transition: var(--st-transition);
}

.st-contact-card-glass:hover {
  background: rgba(18, 40, 84, 0.95);
  border-color: var(--st-gold-400);
  transform: translateY(-3px);
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3);
}

.st-contact-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--st-navy-700);
  color: var(--st-gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
}

.st-contact-card-text span {
  display: block;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.st-contact-card-text strong {
  display: block;
  font-size: 16px;
  color: var(--st-white);
  font-weight: 700;
}

/* ==========================================================================
   NEWSLETTER / EVENT CARD
   ========================================================================== */
.st-newsletter-wrap {
  padding: 40px 0;
  background: var(--st-white);
}

.st-newsletter-card {
  background: var(--st-cream);
  border: 1px solid var(--st-cream-border);
  border-radius: var(--st-radius-lg);
  padding: 36px 42px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

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

.st-newsletter-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--st-gold-100);
  color: var(--st-gold-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}

.st-newsletter-text h4 {
  font-size: 19px;
  font-weight: 800;
  color: var(--st-navy-850);
  margin-bottom: 4px;
}

.st-newsletter-text p {
  font-size: 13.5px;
  color: var(--st-gray-600);
  margin: 0;
}

.st-newsletter-form {
  display: flex;
  align-items: center;
  background: var(--st-white);
  border-radius: var(--st-radius-pill);
  padding: 6px 6px 6px 20px;
  box-shadow: 0 4px 16px rgba(8, 20, 43, 0.05);
  border: 1px solid rgba(8, 20, 43, 0.08);
  min-width: 420px;
}

.st-newsletter-form input {
  border: none;
  outline: none;
  font-size: 14px;
  color: var(--st-navy-850);
  width: 100%;
  background: transparent;
}

.st-newsletter-form input::placeholder {
  color: var(--st-gray-400);
}

.st-btn-subscribe {
  background: linear-gradient(135deg, #c59341 0%, #aa752b 100%);
  color: var(--st-white);
  border: none;
  padding: 10px 24px;
  font-size: 13.5px;
  font-weight: 700;
  border-radius: var(--st-radius-pill);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  transition: var(--st-transition);
  white-space: nowrap;
}

.st-btn-subscribe:hover {
  background: linear-gradient(135deg, #d4a054 0%, #ba8333 100%);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(170, 117, 43, 0.35);
}

/* ==========================================================================
   GLOBAL FOOTER
   ========================================================================== */
.st-footer {
  background-color: var(--st-navy-950);
  background: linear-gradient(180deg, #08142b 0%, #050c1b 100%);
  color: rgba(255, 255, 255, 0.75);
  padding-top: 80px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
}

.st-footer-logo img {
  height: 48px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  margin-bottom: 20px;
}

.st-footer-desc {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 24px;
}

.st-social-links {
  display: flex;
  align-items: center;
  gap: 10px;
}

.st-social-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.85);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  transition: var(--st-transition);
}

.st-social-btn:hover {
  background: var(--st-gold-500);
  border-color: var(--st-gold-500);
  color: var(--st-white);
  transform: translateY(-2px);
}

.st-footer-widget h4 {
  font-size: 17px;
  font-weight: 700;
  color: var(--st-white);
  margin-bottom: 22px;
  position: relative;
}

.st-footer-widget ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.st-footer-widget li {
  margin-bottom: 12px;
}

.st-footer-widget li a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.75);
  transition: var(--st-transition);
}

.st-footer-widget li a:hover {
  color: var(--st-gold-300);
  padding-left: 4px;
}

.st-footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 14px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.75);
}

.st-footer-contact-item i {
  color: var(--st-gold-400);
  margin-top: 4px;
  font-size: 14px;
  flex-shrink: 0;
}

.st-footer-contact-item a {
  color: rgba(255, 255, 255, 0.75);
}

.st-footer-contact-item a:hover {
  color: var(--st-gold-300);
}

.st-footer-bottom {
  margin-top: 60px;
  padding: 24px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 13px;
  color: rgba(255, 255, 255, 0.55);
}

.st-footer-bottom a {
  color: rgba(255, 255, 255, 0.55);
  margin-left: 20px;
}

.st-footer-bottom a:hover {
  color: var(--st-gold-300);
}

.st-back-to-top {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: var(--st-white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  margin-left: 20px;
  transition: var(--st-transition);
  cursor: pointer;
}

.st-back-to-top:hover {
  background: var(--st-gold-500);
  border-color: var(--st-gold-500);
  transform: translateY(-2px);
}

/* ==========================================================================
   PAGE HERO / BREADCRUMB COMPONENT
   ========================================================================== */
.st-page-header {
  background: radial-gradient(circle at 80% 20%, rgba(13, 139, 158, 0.16) 0%, rgba(8, 20, 43, 0) 65%),
              linear-gradient(135deg, #060e1f 0%, #0b1b3d 70%, #0c2049 100%);
  padding-top: 190px;
  padding-bottom: 75px;
  position: relative;
  color: var(--st-white);
  text-align: center;
}

.st-page-header h1 {
  font-size: 44px;
  font-weight: 800;
  color: var(--st-white);
  margin-bottom: 14px;
  letter-spacing: -0.02em;
}

.st-breadcrumb-nav {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
}

.st-breadcrumb-nav a {
  color: var(--st-gold-400);
}

.st-breadcrumb-nav i {
  font-size: 11px;
}

/* ==========================================================================
   FORM CONTROLS & APPLICATION FORMS
   ========================================================================== */
.st-form-group {
  margin-bottom: 22px;
}

.st-form-label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--st-navy-850);
  margin-bottom: 8px;
}

.st-input {
  width: 100%;
  height: 52px;
  padding: 0 18px;
  background: var(--st-gray-50);
  border: 1px solid var(--st-gray-200);
  border-radius: var(--st-radius-md);
  font-family: var(--st-font-main);
  font-size: 14.5px;
  color: var(--st-navy-850);
  outline: none;
  transition: var(--st-transition);
}

.st-input:focus {
  background: var(--st-white);
  border-color: var(--st-gold-500);
  box-shadow: 0 0 0 3px rgba(197, 147, 65, 0.18);
}

textarea.st-input {
  height: 130px;
  padding: 16px 18px;
  resize: vertical;
}

/* ==========================================================================
   LOAN CARDS & CALCULATOR
   ========================================================================== */
.st-loan-card {
  background: var(--st-white);
  border: 1px solid var(--st-gray-200);
  border-radius: var(--st-radius-lg);
  padding: 34px 28px;
  transition: var(--st-transition);
  position: relative;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.st-loan-card:hover {
  transform: translateY(-6px);
  border-color: var(--st-gold-400);
  box-shadow: var(--st-shadow-lg);
}

.st-loan-badge {
  position: absolute;
  top: 18px;
  right: 18px;
  background: var(--st-gold-100);
  color: var(--st-gold-700);
  font-size: 11.5px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--st-radius-pill);
}

.st-loan-rate {
  font-size: 32px;
  font-weight: 800;
  color: var(--st-navy-850);
  margin: 14px 0 18px 0;
}

.st-loan-rate span {
  font-size: 14px;
  font-weight: 500;
  color: var(--st-gray-500);
}

/* ==========================================================================
   MANAGEMENT TEAM CARDS
   ========================================================================== */
.st-team-card {
  background: var(--st-white);
  border-radius: var(--st-radius-lg);
  overflow: hidden;
  box-shadow: var(--st-shadow-md);
  border: 1px solid rgba(8, 20, 43, 0.05);
  transition: var(--st-transition);
  height: 100%;
}

.st-team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--st-shadow-xl);
  border-color: rgba(197, 147, 65, 0.2);
}

.st-team-thumb {
  position: relative;
  height: 300px;
  overflow: hidden;
}

.st-team-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.st-team-card:hover .st-team-thumb img {
  transform: scale(1.05);
}

.st-team-info {
  padding: 24px 22px;
}

.st-team-role {
  font-size: 12.5px;
  font-weight: 700;
  color: var(--st-gold-600);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
  display: block;
}

.st-team-name {
  font-size: 20px;
  font-weight: 700;
  color: var(--st-navy-850);
  margin-bottom: 10px;
}

.st-team-bio {
  font-size: 13.5px;
  color: var(--st-gray-600);
  line-height: 1.6;
  margin-bottom: 16px;
}

/* ==========================================================================
   OFFCANVAS MOBILE MENU
   ========================================================================== */
.st-mobile-menu {
  position: fixed;
  top: 0;
  right: -360px;
  width: 340px;
  max-width: 90vw;
  height: 100vh;
  background: var(--st-navy-950);
  z-index: 1099;
  transition: right 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  padding: 30px 24px;
  overflow-y: auto;
  box-shadow: -10px 0 35px rgba(0, 0, 0, 0.5);
  color: var(--st-white);
}

.st-mobile-menu.open {
  right: 0;
}

.st-mobile-overlay {
  position: fixed;
  inset: 0;
  background: rgba(8, 20, 43, 0.7);
  backdrop-filter: blur(4px);
  z-index: 1090;
  opacity: 0;
  visibility: hidden;
  transition: var(--st-transition);
}

.st-mobile-overlay.open {
  opacity: 1;
  visibility: visible;
}

.st-mobile-menu-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 30px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.st-mobile-close {
  background: transparent;
  border: none;
  color: var(--st-white);
  font-size: 20px;
  cursor: pointer;
}

.st-mobile-nav ul {
  list-style: none;
  padding: 0;
  margin: 0 0 30px 0;
}

.st-mobile-nav li {
  margin-bottom: 14px;
}

.st-mobile-nav a {
  font-size: 17px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
  display: block;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.st-mobile-nav a:hover,
.st-mobile-nav li.active a {
  color: var(--st-gold-400);
}

/* ==========================================================================
   RESPONSIVE OPTIMIZATIONS
   ========================================================================== */
@media (max-width: 1199px) {
  .st-nav-menu {
    display: none;
  }
  .st-hero-title {
    font-size: 44px;
  }
  .st-pillar-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 991px) {
  .st-topbar-item:not(:first-child) {
    display: none;
  }
  .st-hero-section {
    padding-top: 170px;
    padding-bottom: 60px;
  }
  .st-hero-visual {
    margin-top: 40px;
    text-align: center;
  }
  .st-about-visual-box {
    margin-top: 50px;
  }
  .st-floating-cards-column {
    position: static;
    margin-top: 24px;
    width: 100%;
  }
  .st-floating-card {
    min-width: 100%;
  }
  .st-contact-cards-row {
    justify-content: flex-start;
    margin-top: 30px;
  }
  .st-newsletter-card {
    flex-direction: column;
    align-items: stretch;
  }
  .st-newsletter-form {
    min-width: 100%;
  }
}

@media (max-width: 767px) {
  .st-header-wrapper {
    top: 48px;
    padding: 0 12px;
  }
  .st-nav-card {
    padding: 8px 16px;
  }
  .st-hero-title {
    font-size: 34px;
  }
  .st-hero-trust {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
  .st-section {
    padding: 60px 0;
  }
  .st-section-title {
    font-size: 28px;
  }
  .st-pillar-grid {
    grid-template-columns: 1fr;
  }
  .st-contact-cards-row {
    flex-direction: column;
  }
  .st-contact-card-glass {
    width: 100%;
  }
  .st-footer-bottom {
    text-align: center;
  }
  .st-footer-bottom a {
    margin: 0 8px;
  }
}

/* ==========================================================================
   SEARCH OVERLAY
   ========================================================================== */
.search-area {
  position: fixed;
  inset: 0;
  background: rgba(5, 12, 27, 0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.search-area.opened {
  opacity: 1;
  visibility: visible;
}

.search-area .search-inner {
  width: 100%;
  max-width: 720px;
  padding: 0 24px;
}

.search-area .heading {
  font-size: 28px;
  font-weight: 700;
  color: var(--st-white);
  margin-bottom: 30px;
  font-family: var(--st-font-main);
}

.search-area .search {
  display: flex;
  align-items: center;
  background: var(--st-white);
  border-radius: var(--st-radius-pill);
  padding: 6px 6px 6px 20px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
}

.search-area .search input {
  border: none;
  outline: none;
  font-size: 15px;
  font-family: var(--st-font-main);
  background: transparent;
  color: var(--st-navy-850);
  width: 100%;
}

.search-area .search input::placeholder {
  color: var(--st-gray-400);
}

.search-area .search button {
  background: linear-gradient(135deg, #c59341 0%, #aa752b 100%);
  border: none;
  border-radius: var(--st-radius-pill);
  padding: 10px 26px;
  color: var(--st-white);
  font-size: 15px;
  cursor: pointer;
  transition: var(--st-transition);
  flex-shrink: 0;
}

.search-area .search button:hover {
  background: linear-gradient(135deg, #d4a054 0%, #ba8333 100%);
}

.search-area .search-close-btn {
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.2);
  color: var(--st-white);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 50%;
  font-size: 18px;
  cursor: pointer;
  transition: var(--st-transition);
}

.search-area .search-close-btn:hover {
  background: var(--st-gold-500);
  border-color: var(--st-gold-500);
}

/* ==========================================================================
   STAT COUNTER SECTION
   ========================================================================== */
.st-stats-section {
  background: linear-gradient(135deg, #050c1b 0%, #0b1b3d 100%);
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}

.st-stats-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, rgba(13, 139, 158, 0.12) 0%, transparent 65%),
              radial-gradient(ellipse at 80% 30%, rgba(197, 147, 65, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.st-stat-item {
  text-align: center;
  position: relative;
  z-index: 2;
}

.st-stat-number {
  font-size: 48px;
  font-weight: 800;
  color: var(--st-white);
  line-height: 1;
  display: block;
  letter-spacing: -0.03em;
}

.st-stat-number .suffix {
  color: var(--st-gold-400);
}

.st-stat-label {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 500;
  margin-top: 10px;
  display: block;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* ==========================================================================
   SAVINGS PLAN CARDS
   ========================================================================== */
.st-plan-card {
  background: var(--st-white);
  border: 2px solid var(--st-gray-200);
  border-radius: var(--st-radius-lg);
  padding: 34px 28px;
  transition: var(--st-transition);
  position: relative;
  overflow: hidden;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.st-plan-card.featured {
  border-color: var(--st-gold-400);
  box-shadow: 0 0 0 1px var(--st-gold-300), 0 20px 40px rgba(197, 147, 65, 0.15);
}

.st-plan-card:hover {
  transform: translateY(-6px);
  border-color: var(--st-gold-400);
  box-shadow: 0 16px 36px rgba(8, 20, 43, 0.10);
}

.st-plan-icon {
  width: 56px;
  height: 56px;
  border-radius: var(--st-radius-md);
  background: var(--st-gold-100);
  color: var(--st-gold-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 20px;
}

.st-plan-card.featured .st-plan-icon {
  background: var(--st-gold-500);
  color: var(--st-white);
}

.st-plan-rate {
  font-size: 38px;
  font-weight: 800;
  color: var(--st-navy-850);
  line-height: 1;
  margin: 12px 0 20px;
}

.st-plan-rate .unit {
  font-size: 16px;
  font-weight: 500;
  color: var(--st-gray-500);
}

.st-plan-features {
  list-style: none;
  padding: 0;
  margin: 0 0 28px 0;
  flex-grow: 1;
}

.st-plan-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--st-gray-700);
  padding: 8px 0;
  border-bottom: 1px solid var(--st-gray-100);
}

.st-plan-features li i {
  color: var(--st-gold-500);
  font-size: 13px;
  flex-shrink: 0;
}

.st-plan-badge {
  position: absolute;
  top: 18px;
  right: 18px;
  background: linear-gradient(135deg, #c59341 0%, #aa752b 100%);
  color: var(--st-white);
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  padding: 4px 12px;
  border-radius: var(--st-radius-pill);
}

/* ==========================================================================
   APPLICATION PROCESS STEPS
   ========================================================================== */
.st-steps-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  position: relative;
}

.st-steps-list::before {
  content: '';
  position: absolute;
  left: 22px;
  top: 44px;
  bottom: 44px;
  width: 2px;
  background: linear-gradient(180deg, var(--st-gold-300) 0%, transparent 100%);
}

.st-step {
  display: flex;
  align-items: flex-start;
  gap: 20px;
  position: relative;
}

.st-step-num {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--st-gold-500);
  color: var(--st-white);
  font-size: 17px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 6px 16px rgba(197, 147, 65, 0.35);
}

.st-step-text h5 {
  font-size: 16px;
  font-weight: 700;
  color: var(--st-navy-850);
  margin-bottom: 4px;
}

.st-step-text p {
  font-size: 13.5px;
  color: var(--st-gray-600);
  line-height: 1.6;
  margin: 0;
}

/* ==========================================================================
   UTILITY ANIMATIONS & TRANSITIONS
   ========================================================================== */
html {
  scroll-behavior: smooth;
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.st-animate-up {
  animation: fadeInUp 0.65s cubic-bezier(0.16, 1, 0.3, 1) both;
}

@keyframes goldPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(197, 147, 65, 0.4); }
  50% { box-shadow: 0 0 0 10px rgba(197, 147, 65, 0); }
}

.st-btn-gold:focus,
.st-btn-banking:focus {
  animation: goldPulse 1.5s ease-in-out;
  outline: none;
}

/* ==========================================================================
   PRINT STYLES
   ========================================================================== */
@media print {
  .st-topbar,
  .st-header-wrapper,
  .st-header-sticky,
  .st-mobile-menu,
  .st-mobile-overlay,
  .search-area,
  .st-newsletter-wrap,
  .st-skyline-banner {
    display: none !important;
  }
  body { color: #000 !important; background: #fff !important; }
}